23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX XXXX  I attempted to rent a car by using the search engine XXXX. I selected the SUV option with XXXX I was then redirected to their website to rent the vehicle. I selected a vehicle and read over the terms and conditions on their website. I received three emails from XXXX XXXX attached ), none of which list the terms and conditions of the rental agency ( XXXX  ). While waiting to be attended at the XXXX XXXX  agency in XXXX, I noticed signs posted that if the vehicles were driven out of state, a $ XXXX day fee would be charged. As my plans included out of state travel, I called Chase to discuss whether or not I would be able to dispute the charge and cancel my reservation. I spoke with a representative at Chase who assured me that I would be able to dispute the charges as these out of state driving fees were not disclosed prior to payment. She told me that because the charge was still pending on my credit card statement, that she could not help me with the dispute, but that as soon as the charge posted, that I could dispute the charge. 

Once I was able to speak with a customer service representative at XXXX XXXX  agency, I was told that I would, in fact, not be able to rent the vehicle at all as I did not have round trip airfare for the duration of the rental period. I had rented another vehicle for a portion of my trip and due to XXXX XXXX, my travel plans changed. The customer service representative told me that she was not able to cancel the booking and refund my payment as I had rented the vehicle through XXXX. She gave me a phone number to call and a booking number to reference when canceling the booking. I called the number and spoke with XXXX. He told me that the booking is non refundable. I am disappointed that the terms and conditions of XXXXXXXX XXXX XXXX  agency ( ie : out of state fees of XXXX XXXX day, the need for round trip airfare for the duration of the rental period ) was not listed on the XXXX website, nor were these terms listed in any of the three emails that I received from XXXX 
I have filed two separate disputes with Chase for the charge of {$430.00} from economybookings.com to my credit card account on XX/XX/year>. The charge is in error because I wasnt able to rent the vehicle due to terms and conditions of the rental agency ( XXXX ). I feel that this is in direct violation of the fair credit billing act. I paid for a service ( the car rental ) and did not receive the service. I have called Chase several times and have been told that I would receive a call back within 24-48 hours. I have never received a call back and have called again to have the same message repeated, that I would receive a call back. I have received two letters from Chase, one for each of the disputes, each stating that no credit would be given.
Product: Debt collection

I don't know where that account come from because I have never had any account with XXXX ( the original creditor ) at all. This is a mistake, please start an investigation to delete that collection account from my credit report. I don't even know what kind of service are they talking or for how long that account was opened. I never receive any letter letting me know about any details from Amsher Collection Services Inc. ( the collection agency ). I found out about this collection account because I have XXXX XXXX to track my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have attempted to get Equifax credit bureau to remove 2 fraudulent accounts for over 2 months now. I did get a report sent to me by Equifax to show they removed these 2 accounts. Lies. They were not removed. 605B FCRA, is the ruling law here.

I have given Equifax all 4 of the documents I am required to provide to have the fraud items blocked from my file in no later than 4 business days after Equifax gets my 4 documents. Equifax claims the " header '' of my police report is not legible. XXXX. I named the items as the law requires and the report number was clear and readable. An agent read it to me clear as a bell. 
Rude treatment from people not in the XXXX abound. Language barriers are prevalent also. I will include all 4 parts here so when you send it to them 605B will be invoked by your entity.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts ; ( Original Creditor : XXXX  ) XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. 
As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Debt collection

I am writing to formally dispute an erroneous collection entry reported on my credit report by Transworld Systems XXXX and to request its immediate removal to preserve the accuracy and integrity of my financial records. 

Upon reviewing my credit report from XXXX on XX/XX/2024, I noticed an unrecognized debt collection entry linked to Transworld Systems Inc. I have never engaged in any transaction that would justify this debt, nor have I received any communication from Transworld Systems regarding an outstanding obligation. 

My initial attempt to resolve this issue involved disputing the entry directly with XXXX on XX/XX/2024. Despite my dispute, Transworld Systems maintained that the debt was valid. Subsequently, I contacted Transworld Systems directly on XX/XX/2024 to inquire about the nature of the alleged debt. During this conversation, representatives from Transworld Systems could not provide any details regarding the origin or the substance of the debt. Moreover, they confirmed that they had never previously contacted me via mail, email, or phone concerning this debt. Additionally, I was not informed of my right to dispute this debta fundamental violation of the Fair Debt Collection Practices Act. 

Given these circumstances, it is clear that this debt does not belong on my credit report. The lack of substantiation of the debt and the failure to communicate any such debt to me prior to reporting it are grossly unfair practices. These inaccuracies are not only damaging my XXXX XXXX but are also causing significant personal distress and potential financial harm. 

Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to facilitate the prompt removal of this inaccurate collection entry from my credit report. I don't have any documentation from Transworld systems regarding this, as they have NEVER contacted me regarding this debt, but have XXXX cases with XXXX regarding this dispute ( XXXX & XXXX ) I appreciate your immediate attention to this matter and look forward to your swift response to correct this significant error on my credit report. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is  a account reporting on my credit file from Portfolio Recovery Associates in the Amount of {$3500.00}. I have sent both Portfolio and the credit bureaus information requesting to validate this bill several times going back as far as approx a year. Portfolio responded by sending a 1 page copy of what appears to be the statement the the said account with my information. I have once been a victim of identify theft and refuse to be responsible to for something that has not been proven or validated to belong to me. I have requested documents that would show my signature or some form of verification of this debt. Portfolio has yet to do so but is still reporting this account on my file. I have written twice and the last time Portfolio Recovery states they consider this investigation to my validation closed. This debt has not been validated there fore should no t be appearing on my report unless they can do so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The company was supposed to set up my account on a hardship program both this Ulta card and my XXXX credit card was supposed to be enrolled at the same time during that time I was assured my account would remain in a good status and my payments would be lowered to {$10.00} a month and apr would be reduced and the payments would automatically come out of my account. I started receiving collections calls and was very confused so I paid account in full I contacted the company and they refused to pull the phone call and continued to be very rude and unhelpful to fixing this issue or reviewing the information and providing me information I was treated unfairly and was given false n deceptive information and was charged an overwhelming amuof late fees and fianc charges also money money was taken out of my account with false intent Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are all in violation of the Fair Credit Reporting Act and Privacy Act of 1974. Willful Non Compliance can easily be proven as I have made numerous amounts of complaints both with the company and the CFPB. Every corporation furnished on my consumer report owes me by law a Privacy Notice before they are allowed to furnish any information on my consumer report 12 CFR 1016.3, I dont hold any Privacy Notice for any of the corporations I am seeing furnished on my consumer report thats a violation and inaccurate furnishing, Also according to the fair credit Act USC 1681 section 602 a states there is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX and Equifax are consumer reporting agencies an I am the Consumer. Its my right to make sure my private information isnt shared which is backed by 15 USC 6801 policy of the Congress.15 USC 604 a section 2 states that 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. The financial institution and the consumer reporting agencies XXXX XXXX and Equifax do not have my consent to furnish information and they do not have my written consent. Any all consent to XXXX XXXX and Equifax whether it be verbal, non verbal, written, implied or otherwise is Revoked. 15 USC 6802 ( b ) ( c ) Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Checking or savings account

We filed a fraud claim on XX/XX/XXXX with USBank after my identity was stolen and we were alerted to charges on our checking account that we did not make through XXXX. Our bank issued a provisional credit to our account of {$670.00} to cover the fraudulent charge pending their investigation. 
We received a letter from the bank on XX/XX/XXXX stating that their investigation found that we received benefit from the fraudulent transaction either by receiving services and/or merchandise. We did not receive any services or products and can prove that the product in question was never shipped by the company. As such, after their denial of our claim, the bank has now reversed the provisional credit from our account and we are now over drafting our account. We live paycheck to paycheck and this is greatly affecting our ability to pay for our living expenses. 
We have sent the documents stating that this product was never shipped to us to the fax number that was given to us by the Fraud Protection representatives at the bank, sent on XX/XX/XXXX. We have also made daily phone calls to this department starting XX/XX/XXXX through XX/XX/XXXX requesting updates on review of these documents and have also requested phone calls back to us each time we call. They state they have placed a call back to us but there was no answer on our end. No voice mail had been left for us to call back to. Each time we place a request, we are told it will take 24-48 hours to hear back, but to date, we have not spoken to an investigator as requested.

It seems to us that they are assuming we are guilty but we have no recourse in which to prove innocence. 
There is no phone number that we can reach someone directly who is doing the investigation of our claim and the fraud representatives seem to only be able to enter requests. 
We have also attempted multiple times to reach the company the fraudulent charge was placed with on XXXX and they have not replied to messages. I have placed a case with XXXX as well but have not heard back. 
We need help to resolve this issue and be reimbursed for this fraud that occurred on our account with US Bank.
Product: Mortgage

They report my account as delinquent when it was paid off. they also sold the account and maybe decided to throw my account under the bus in the process. their phonenumber also doesn't work, XXXX XXXX. I recall this company giving me a hard time with the pay off statement.
Product: Checking or savings account

In XXXX of XXXX, I opened a Business Checking Account with Chase for my business XXXX XXXX XXXX XXXX. As a result of fraud in my account, Chase changed my account information in XXXXXXXX XXXX XXXXXXXX. Our business account enabled us to accept XXXX transactions. As a result of my excessive acceptance of XXXX transactions, Chase Bank decided to close my account on XX/XX/XXXX. A total of {$14000.00} was in my account at the time of the account closing. XXXX  complaints have been filed and I have been in contact with their " executive '' office. According to them, every XXXX transaction that I have completed must be verified with the sender and funds will not be released if the customer can not be reached. Authentication factors are employed by Chase and all financial institutions to ensure that funds are being sent securely. As a prerequisite for these funds being verified to Chase 's standards, I need to contact Chase and provide them with the contact telephone number that the customer has on file. They will not provide me with customers ' names, just transaction amounts. So I need to search through and hope that they can match it up to who they claim is the owner of the account. From my experience, this is not always the case as people have recently changed their telephone numbers. Therefore, I need to pray that the customer will answer Chase 's call when I am on the phone with the customer. Both of these conditions must be met in order for the funds to be released. They have made it impossible for my to receive my funds back. When speaking to their executive team they stated it is in their depository agreement signed at opening the account. I still have all the paperwork from opening the account and asked for them to point out where in my signed paperwork does it state this information. They then follow up with that it is on their website and then when i ask why is it not in my paperwork they point out a section stating that if my funds are being held due to criminal or legal sanctions. My funds have no criminal or legal issues associated with them. I have been fighting with them since XXXXXXXX XXXX XXXXXXXX for my money and they told me that they can legally hold it for up to 3 years then it becomes property of the state. I need help collecting my funds. As a small business owner this is could make a large difference in our ability to operate. When speaking to XXXX & her " supervisor '' they both have made it very clear chase has zero intreset in returning my companies money. XXXX can be reached at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX PM ( 0 minutes ago ) to me In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I applued to XXXX XXXX in the attempt of builing my credit .The adverse action I was denied accordibg to correspondance from XXXX XXXX .no credit report found. Reporting agency XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX ( XXXX ) XXXX When i attempt to request my report. It has not ever alliowed me onlune when I attempt to call a request it want sll my idendification. 
With agressive I D theft and all credit agency have alrered comprimiswd my identuty. My attempt tovretrive mu user name its incorrect ( the email gave me user XXXXXXXX XXXX XXXX XXXX  when I updated it almost a year ago to XXXX XXXXthe last credit report I was able to hiew was XX/XX/XXXX based on coass action im supposed to receive credit wors I do not. And now it says Sorry your credit report can not be viewes because the details may be inncorrect XXXX.7 years later And i still receive the same answer. Nothing from XXXX my allegatuon they are organized with colkar crimes i have reports from XXXX and all tge frayd on all three reoorts
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS WILL BE MY SECOND TIME TRYING TO CORRECT THE INACCURATE INFO ATTACHED PLEASE FIND THE LETTER FROM OUR COURT NOTIFYING ME THAT THIS IS INDEED INACCURATE
Product: Debt collection

CRA VIOLATION / HIPAA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Background check obtained from XXXX comes up with this information which is incorrect : SOCIAL SECURITY VERIFICATION NAME AND ADDRESS INFORMATION OBTAINED FROM : XXXX Customer Provided Information SSN XXXX DOB XXXX SSN State Issued XXXX Year Issued XXXX Name Type Report Subject Name XXXX, XXXX XXXX Addr Type Residence Address First Date XX/XX/XXXX Last XX/XX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Addr Type Former Address First Date XX/XX/XXXX Last XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Addr Type Former Address First Date XX/XX/XXXX Last XX/XX/XXXX I never lived at these locations and have requested 3 time to have them removed. 
Also Only employment from XXXX to XXXX is XXXX XXXX XXXX and XXXX as well as Ohio XXXX and XXXX nobody else.