23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the XXXX XXXXXXXX Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to Cushman v Transunion XXXX. Transunion has assumed the responsibility of reporting consumer information to the best of their ability to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.

15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ), explains no consumer reporting agency may make any consumer report containing any adverse items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ), states a person shall not furnish any information relating to a consumer to any consumer reporting agency knowing or has reasonable cause to believe that the information is inaccurate. I reviewed my Consumer Reports and noticed that I had ONE late payment on an account that I have never been late for. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Update the account to PAID ON TIME and NEVER LATE. Or remove it from my consumer report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Vehicle loan or lease

I obtained a loan from Chase in XX/XX/2019 to finance an end-of-lease buyout. In processing the title transfer from XXXX XXXX to Chase Auto, Chase failed to pay a {$50.00} title transfer fee so the XXXX rejected Chase 's paperwork. I have been unable to renew this car 's registration since 20 months ago and therefore can not drive the car. I have made many calls, emails, secure messages and I am unable to resolve this problem.
Product: Debt collection

This company sent an itemized list of charges and items that are not mine and I did not sign a contract with the company that is reporting that I owe them. 15 U.S. Code 1692c, also known as the Fair Debt Collection Practices Act ( FDCPA ), regulates how debt collectors can communicate with consumers about debt collection. The law states that debt collectors can only communicate with consumers if they have the consumer 's prior consent or a court order. Debt collectors can not communicate with consumers at inconvenient times or places, and they must stop communicating if the consumer requests in writing. Debt collectors also can not communicate with third parties without the consumer 's consent.
Product: Money transfer, virtual currency, or money service

This All Started After I Changed My Password XXXX XXXX, XXXXThe Representative Told Me After I Seen Over {>= $1,000,000} To Screenshot It And Take To The Bank, ,Yes 3 : Days Later I Was Alerted By XXXX XXXX, Regarding Mortgage With Company XXXX, XXXX XXXX From Federal Reserve Equity XXXX XXXX XXXX XXXX Paper Was Attached XXXX ,With XXXX XXXX XXXX, Also My Credit Score Dropped XXXX XXXX, And Every Month Wells Fargo Putting No Amount There Allowing My Score To Continue To Go Down, Without Any Notice Threaten To Close The Account When I Have To File 1099 B Wells Fargo Bank
Product: Credit card or prepaid card

On XX/XX/2023 I was notified by XXXX a new Credit account with XXXX was opened in my name on XX/XX/2023. I did not open this account and I believe it is fraudulent as the result of Identity Theft. I have since opened 2 complaints with XXXX XXXX XXXX and they have not resolved the matter. Also I never received any card in the mail. This confirms my fear that it is fraudulent.
Product: Credit card or prepaid card

I have had an account with Capital One for over a decade. On XX/XX/XXXX, I received notification that because I hadn't used my card in 5 years, my account was restricted ( as of the date of the letter, XXXX XXXX ) - so I no longer had charging privileges and it can not be unrestricted prior to closure or reopened once closed. When I first opened my card, I had been told that my miles would never go away -- even if I reopened an account with Capital One, my rewards points would follow me. This letter from them tells a different story -- they've told me that my rewards points will disappear if they are not used by XX/XX/XXXX. In other words, it is a bait and switch. 

I hadn't been using the card because I was happily able to deal with my purchases without the need for credit. HOWEVER, I had intentionally kept the card open because I had accrued XXXX miles on that card which I wanted to use for a big trip somewhere. I was saving them up! 

The letter of XX/XX/XXXX acknowledged the rewards points and told me I had 3 months from the date of the card to use the points. I looked on their website and found that the way to use the points for miles is to book the travel and then have Capital One reimburse based on the miles accrued. So, I did this. 

Then, I called Capital One at the number given on the letter - the woman I spoke with told me that, as the card was restricted, I couldn't use it for travel ( the one reason I had saved them up ). At best, I could get a check for approximately half their travel value ( {$340.00} dollars ) or I could get gift cards for up to {$650.00} dollars. Neither of these responses meet my needs. The lady on the phone connected me with the travel service capital one uses, and they told me they could book my flight for me, but, as I no longer have use of the card, I'd have to talk to yet another person. So, I was transferred again. This lady gave me the first option ( half the value check or giftcards ) and I explained that I had been shuttled around twice, with the suggestion that she could help me with the travel. She told me she'd look into this, but as yet, to no avail. 

I carried the card, I obviously used the card enough to get a healthy number of points, I kept the card open to use the points for travel, and have now been told that this isn't an option, as they chose to close my card without my being able to change their decision. This choice on their part is a ding on my credit, which I am not happy about, but more significantly, it is resulting in the loss of a big chunk of money that I actually earned by carrying and using their card. Basically, it seems that once I was no longer making them money, they discarded me -- even though I had made them significant money ( and earned significant points ) in the past. This doesn't seem right. I hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with XXXX  and then also Experian ( both attached ). On both of these reports, I found a Credit Card account  beginning with XXXX, and ending in XXXX with XXXX XXXX XXXX that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the reports, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call XXXX  XXXX XXXX and all three major credit bureaus. I first called XXXX XXXX XXXX and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of XXXX  XXXX XXXX, I was told the account was associated with the address and phone number listed above. 

I then followed up and filed the below-listed disputes : XXXX  # - XXXX Experian Alert - # XXXX XX/XX/XXXX - ( Did not receive dispute #, XXXX post-investigation docs attached ) Identity Theft FTC Report - # XXXX Today, XX/XX/XXXX, I filed a CPFB complaint addressed to XXXX  XXXX XXXX and am now following up by filing one for Experian, XXXX, and XXXX. 

After filing this dispute, I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I also received the attached documents from Experian, XXXX, and XXXX  with teh results that the account is " Verified as Accurate '' and " Verified that this item belongs to you. '' I am claiming this credit card account is a result of identity theft. I understand these credit bureaus need to communicate with the financial institutions in order to generate the results of a dispute. So I am asking that they consult with  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX addresses the CFPB complaint ID - XXXX.
Product: Debt collection

I am not liable for this debt and I do not have a contract with XXXXXXXX XXXX-XXXX  plus they did not provide me with the original application like I asked. 
Account No:XXXX Amount Disputed : {$100.00}
Product: Money transfer, virtual currency, or money service

Hi, My wife had contacted this person " Holistic Healings - XXXX XXXX '' on XXXX to purchase XXXX oil for my husband 's XXXX. He asked me to transfer {$1500.00} for the XXXX oil. So I asked my husband to transfer {$1500.00} to his paypal.account. The money was transferred to this person on XX/XX/04. Please see the attached document. He promised that i will receive oil in 2-3 business days. 

After that he reached out again to my wife on XXXX again saying that your shipment is held by the custom departments of the delivery company and they want more {$350.00} to release the package. The website of the company through which it was shipped was XXXX. When I looked at the website it was a similar to XXXX XXXX and that's when I realized that I was scammed. 

I have not yet received the XXXX oil. I see that this transaction is not yet complete. Could you please help me in cancelling the transaction? I can provide the XXXX chat that I have with this person. 

My paypal id is XXXX and the money was transferred to XXXX. 


Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports in early XXXX, a follow up to a check I did earlier this year. I in it I noticed some errors. On XX/XX/XXXX, I wrote a letter to XXXX XXXX XXXX ( see Transunion XXXXXXXX ),  asking them to correct the errors relating to credit inquiries. The Fair Credit Reporting act describes the permissible purpose to finish a report in 15 U.S.C. 1681b. The inquiries in question are in follows 1 ) XXXX XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX Neither of these two inquiries fall within the purposes described in the Fair Credit Report as a permissible purpose. I asked XXXX to conduct an investigation on those two inquiries, specifically - the name and title of the person who pulled the report - the date of the alleged report request - and the method that the creditor claims I gave permission. I asked for documentation of said permission. Instead I was given a 1 page response ( see TransunionreplyXXXX ), basically asking me to contact the creditor ( was an investigation ever done? ).  There was no confirmation that any investigation took place.. In the generic letter XXXX claims that written authorization is not required and specific consent is not required. Furthermore none of the information I requested was never furnished, it appears that Transunion is asking me to correct their errors! The Fair Credit Reporting act dictates the manner in which a credit reporting agency is supposed to investigate errors in 15 U.S. Code 1681i.
Product: Credit card

My payments are due on the XXXX of the month. I went online to make the payment today and it was XXXX. The bank that is handling the store credit card does not allow payments to be credited on today 's date or even allow you to make a payment after XXXX. I did not realize this and therefore will be charged a late fee and interest. I feel this is nefarious and misleading behavior by a credit card company/bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is reporting lates for XX/XX/21 on a couple accounts. Due to the unforeseen events with Covid 19 my employer was affected and therefore I was as well. My hours have been cut, and I have been barley scraping by. XXXX was a very hard month for me but I have been a long time loyal customer. I ask that Chase make a goodwill adjustment for things beyond their customers control. I would greatly appreciate if they removed the one late for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I disputed an account for XXXX XXXX to Experian. Experian replied with credit report dated XX/XX/2020 report # XXXX shows the item was deleted from my credit file. Now the item has been reinserted on my credit report. I sent Experian a letter on XX/XX/2020 advising them in accordance with the requirements of the FCRA, I hereby requested their complete compliance with all the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to the insertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be inserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ) a consumer reporting agency shall provide to a consumer in writing no later than 5 busin
ess days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted.

( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 



I received NO such notification. This is a serious violation of the FCRA After I send the letter to Experian, they still have no removed the account
Product: Credit card or prepaid card

I have two accounts with citi cards. I closed both accounts a year or two ago. I have been making payments on both and have not missed any. When I closed them I was told that the interest rate would not change on a closed account. A couple months ago they started raising the rate. It was 14 % since I closed it. Then it went to 16 and then 17 %. At first I called them and after speaking to 10 different people I was told they would change it back. The next statement it went up another %. I was told it would change back on my next statement. I called again and I was told that it would be fixed by my next statement. The next statement no change. How can I get them to stop raising it and put it back to the original 14 %?
Product: Debt collection

i received a collection letter stating i owed to a lending company i did not open an account at. There are 2 accounts open under my name with my information, however the email is not mine. I never open these accounts. I contacted the lending company and they would not give me any information stating they would mark these fraudulent. I received the letters from the lending company showing they charges off the accounts which where open as deposit accounts. One for {$1900.00} and one for {$100.00}. They said i need to file a complaint here and with my local police department. These were not opened by me.
Product: Debt collection

My initial call happened at XXXX on XX/XX/XXXX with National Management Recovery Corporation . This is a Third Party Collections Agency that XXXX XXXX XXXX sold my payday loan to.

I would actually like to complain about rude customer service as well as being threatened that they would take legal action against me. 

I called in on XX/XX/XXXX at XXXX to ask if I can make a payment arrangement for XX/XX/XXXX for {$610.00} debt with XXXX XXXX XXXX XXXX The man on the phone said no and then proceeded to be very callus and mean to me stating how I let the loan sit for 2 years and it is being escalated to an attorney. I then replied that this was a yes or no question and all the rest was not necessary. I then went on to ask if I could pay something this month. Before I could finish my question he hung up on me. I called back and asked if he hung up on me. He said yes because I was being very nasty to him. I told him I would like to speak to someone else. He said he is the buyer and said he is the only person I can speak to. I then hung up because I knew the call wouldn't get anywhere. 

I then called XXXX XXXX XXXX and let them know of the situation. The woman I spoke to escalated it to her manager and told me she would give me a call. XXXX who is the manager called me and I explained what happened. Her tone came off as if I did something wrong and she then went on to tell me that I should only deal with her regarding my loan. 

Today on XX/XX/XXXX I called XXXX because I needed to rearrange my 2 payments. One payment was set up for XX/XX/XXXX and the other was set up for XX/XX/XXXX. I have many bills that take priority over XXXX XXXX. I needed to change my first payment to XX/XX/XXXX instead of XXXX. I wanted to do {$50.00} payments every Friday starting XX/XX/XXXX. She then became mean and nasty to me saying that we already set the payment up for XX/XX/XXXX and if I don't pay it on the XXXX they will sue. So I did not change my payment plan during this call because I was afraid they would sue me which really didn't make any sense if I am setting up a payment plan. 

Just now at XXXX on XX/XX/XXXX I called XXXX back to proceed with changing my payment plan. I told her that I was recording the conversation. She then all of a sudden became nice and said I can call mid XXXX to set up a payment plan for XXXX. 

I would like this collection agency looked into because it seems like their behavior is illegal. I also wouldn't want anyone else to have to go through this.
Product: Student loan

In XXXX, I was told I could not be put on save plan without waiting 6 months, which was not true, I just needed to consolidate. Now, my loans are not considered as under save forbearance and I am accruing interest. I applied for an Ibr plan in XX/XX/XXXX ( not even save ) and it is still processing, and accruing interest even though the law says if its more than 60 days I shouldnt pay interest anymore. I want the interest waived and for me to put me on a plan, it should not take this long to process
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance Owed : {$4600.00}
Product: Credit reporting or other personal consumer reports

When I signed the Privacy Act form, the student loans on my credit report are in violation of the educational Privacy Act. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The student loans should not be reported on my credit reports by XXXX, XXXX, or Transunion. They should be removed asap as this has hindered me from getting countless approvals for credit cards. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ''