23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. Accounts XXXX XXXXXXXX # XXXX, XXXX XXXX XXXXXXXX # 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 XXXX XXXX XXXX XXXX XXXXXXXX # 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 an 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, credit repair services, or other personal consumer reports

inquires I do not recognize on my Equifax report
Product: Debt collection

I was contacted by a company named XXXX XXXX XXXX XXXX, to collect a XXXX dollar debt owed to Check N Go, XXXX. I asked him to provide written documentation to me proving its my debt and they wouldn't. So I called Check N Go who was also Axcess Financial Services. They said I did take a loan on XX/XX/year> for XXXX. I did not ever sign for, take a loan or accept money from any of the companies listed. I then received an email from a company call XXXX XXXX XXXX, with a copy of a contract with my name on it. There was no signature of mine on the document and I would not ever accept a loan with 245 % interest. This loan was financed by XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, and that is what is listed on the loan contract.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Removal of Negative Accounts from TransUnion Dear CFPB, I am filing this formal complaint to demand the immediate removal of two negative accounts reported by TransUnion on my credit report. These accounts are inaccurately reported and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ). 
Negative Accounts to Be Removed XXXX. XXXXXXXX XXXX Account Number : XXXX Balance : {$440.00} Past Due Amount : {$30.00} Payment Status : 30 Days Late XXXX. XXXX Account Number : XXXX Balance : {$3000.00} Past Due Amount : {$3000.00} Payment Status : Collection/Charge-Off
Product: Student loan

I experience problems and delays every year when it is time to recertify my income driven repayment of my loan with XXXX XXXX. This year, I submitted my recertification documents on or about XX/XX/19 and as of today, over one month later, I still receiving information that my information is not submitted. If this is not rectified by the end of this month, mu loans of nearly {$200000.00} will go into a standard repayment which I can not afford. I keep calling and speaking with different representatives that acknowledge they can see the information I submitted on their end and the process will be expedited, then I check the website and receive emails showing that my recertification can not be processed because it says they have not received the information which is not true. The processing at my XXXX is horrible. Eveything is delayed, including processing of payments and the annual recertification process.
Product: Checking or savings account

Chime is a unique type of checking and savings institution who provides both types of accounts including a unique Chime credit builder 'credit card ', all of which I have. First, XXXX of the benefits of a Chime account, as stated in their advertising was up to a {$200.00} FREE overdraft protection contingent ONLY on qualifying direct deposit MINIMUM of $ XXXX consistently for an unspecified period of time. I had moved my Ohio Child Support direct deposit to Chime almost a year ago well over {$200.00} minimum yet they have FAILED to honor the overdraft of {$200.00} on my account and persistently claim their SYSTEM decides when I get the {$200.00}! I have called them over 8 times asking why the refuse to increase my overdraft protection to the max of {$200.00}. They blame it on their system and become combative. In addition, the Chime Crdit builder credit card is a type of credit that used my funds moved from eitrmy checking and or savings account onto my card and them they report my use of the card to the the XXXX credit repositories. The funds are then held in the credit builder account and show as a negative balance I discovered on my XXXX credit report as I montor it i app. However for an entire 30 days, it reports as a NEGATIVE balance! At the end of a calendar month they pay the negative balance they're reporting to the credit bureaus with the funds I ACTUALLY put on the card, therefore reflecting it as paid in full, yielding a boost in my credit score. It has worked to improve my credit score, however, the account is intentionally reported as negative for 30 days based on the amount of money I add to the Credit builder card. Not sure if it's legal. Lastly, my main complaint is their false advertisement of {$200.00} overdraft protection and their denial of that feature to me despite meeting their requirements. I received an email today after my last call to the conpany this month asking why they refuse to grant me the benefit stating I no longer qualify! I never received more than {$40.00} overdraft over the life of my being a customer! The email stated that due to the fact that for the first time since opening my checking and savings, it was over 30 days mince my last direct deposit, ad XXXX HAD 5 WEEKS in the month. My direct deposit comes from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Feel their action today was retaliatory due to my demanding they stop advertising overdraft protection and refusing to grant it without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/23 {$2500.00} XXXX XXXX  XX/XX/23 {$2200.00} XXXX XX/XX/23 {$3800.00} THE COMPANY SAID IT DID INVESTIGATION AND THEY WAS VERIFIED In accordance with the Fair Credit Reporting act XXXX Account above has violated my rights. 

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

XXXX Equifax and XXXX has reported inaccurate information of my consumer report which has damaged my reputation and and made it harder for me to obtain money or credit services for the benefit of my household. XXXX Equifax and XXXX had reported sixty ( 60 ) inquiries on my consumer report causing my score to drop significantly which hinders my access to my federally protected right to credit. I have since had these removed after hiring a credit sweep company to manage the task. I was then informed that my rights had been violated and I was due actual damages for their carelessness.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Product: Debt collection

Collection Consultants is reporting a collection account on all XXXX credit bureaus illegally. I had a medical bill with a hospital. I had a payment plan with the hospital while I was investigating the charges. I had NEVER gotten a bill that I demanded. I do not believe I owe this. I disagree that I received some services or goods at the hospital. Neither did my insurance company. Nobody ( not the hospital or Collection Consultants ) has been able to provide to me an itemization of the total bill. When I questioned this the hospital sent the bill to Collection Consultants even though I was paying them. They just stopped sending bills then Collection Consultants sent me a letter demanding the payment in full. I called. I told them I was investigating the charges and that I needed them to send me a copy of their HIPPA compliant agreement with the hospital, a copy of their assignment, and an itemization of the bill including anything that I authorized. They never provided this information. They never validated the debt in accordance with the Fair Debt Collection Practices Act. I did pay them only because I did NOT want it to go on my credit and I was assured it would be removed. The representative said at the end of my XXXX payment plan it would be removed from my credit. This did not happen. They deceived me and did not validate it. They have XXXX things I have issue with. 1- I do not believe they followed HIPPA laws. 2- They have reported this to the bureaus when they did not have a legal right do so because they did not validate their legal right to when requested, 3- they used deceptive practices to collect the debt. They promised me it would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries that they are not mine they ask to send them an ftc report I did everything they ask me they send me a report that say those inquiries been deleted I been waiting 3 months an they are still showing in my credit I call them they told me those paper been more than 90 days so I need to send a new ftc report if not they cant do anything an I dont understand after I got a report that it there that is deleted why is showing up why I have to do everything again because of. Errors in the part
Product: Debt collection

I had called in 2018 to speak with someone about this debt. This credit card is a store card in which I never opened. I could never fit in the clothes that they sell. It's a plus size store and I am only a size XXXX. They told me that I had no choice but to pay it. 

I had made a payment of XXXX dollars just to get it off my report because they said they would do a pay to delete. They took my money and it is still reading as charge off and not updated to paid at least because it was never deleted.
Product: Debt collection

This account ( XXXX ) is not mine I have no knowledge of this account I have been XXXX since XX/XX/2019, in the companies response to my last dispute they told me the debt was issued through XXXX of XXXX I have no knowledge of this account I did not give my verbal or written consent to anyone to open this account or consume any debt this has been placed on my credit report and it's inaccurate because it's not mine
Product: Credit card

I have a credit card with British Airways Visa Signature through Chase Bank that offers " No Foreign Transaction Fees ''. XXXX I recently charged a XXXX XXXX ( XXXX XXXX ) on my credit card. I checked my bank 's website to find that I was billed {$25000.00} US Dollars ( USD ). The transaction was settled by Chase Bank on Monday, XXXX XXXX, 2016 using an exchange rate of XXXX USD per XXXX. The currency exchange rate, as published by XXXX on XXXX XXXX, 2016, was between XXXX and XXXX. Assuming that the highest exchange rate of the day was used, a rate overcharge of XXXX resulted in a FEE of {$1500.00} to be charged on this transaction. Upon contacting Chase Bank, I was informed that there is " No Fee '' on the transaction. They stated that XXXX sets the exchange rate used for each day and that Chase Bank has no control over this rate. XXXX, in fact, did publish a rate of {$1.00} on XXXX XXXX, XXXX. The rate set by XXXX is 6.5587 % greater than the highest actual exchange rate on XXXX XXXX, 2016. Chase Bank 's representative defended the process by claiming a distinction between the exchange rate and a transaction fee. As a consumer, the exchange rate and the foreign transaction fees are effectively one in the same. 

There are several issues at hand. The advertisement, " Transaction Fees on Foreign Transactions : None '' is patently false and is tremendously misleading. Chase Bank is hiding XXXX 's 6.5587 % Transaction Fee on the exchange of XXXX 's to USD 's. This claim should not appear on their websites for " No Fee Cards '' without a disclaimer that the foreign currency exchange rates used will be arbitrarily be set by XXXX and have no relation to the actual transaction exchange rate. 

I would appreciate the CFPB 's investigation in this matter to make the consumers aware of these tremendously misleading claims and hidden fees. I would also like to be reimbursed for the transaction fees that were charged that are above the market rate for this transaction. I feel that my many past foreign transactions on the Chase Bank XXXX XXXX should also be subject to a similar refund. I have detailed documents that support the amount of the charge in XXXX, copy of my Chase Bank posted transaction, XXXX 's XXXXUSD rate quotes, my cardmember service agreement and XXXX 's " imaginary XXXX-USD exchange rate '' on XXXX XXXX, 2016. 

I thank you for looking into this very deceptive practice.
Product: Payday loan, title loan, personal loan, or advance loan

I started receiving emails about loan applications I didn't apply for, most of them didn't go through because I wouldn't follow up but I received an email today from Wise Loan stating that I had a payment due coming up. I contacted the entity and they confirmed there is in fact a loan under my name. They sent me a form to file my complaint but with everything that has happened and knowing how sketchy those companies can be, I don't feel providing information to them such as my social security and all of my personal information. All I have are the emails the loan companies would sent and now I'm afraid I have more loans out there under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$220.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a TransUnion Credit Report and have noticed on the XXXX page of the report they put XXXX XXXX XXXX info transunion added some type of inquiry with XXXX XXXX with our property address and we don't know who they are researching these agencies for? 
We called and they keep passing the buck, pointing the finger. 
We want to know who is originating this information. We need to know or will be getting legal involved.
Product: Mortgage

I was faithfully paying my mortgage payment from the time OCWEN Loan Servicing issued my Loan Modification approved last XXXX XXXX, 2013. No missed mortgage payments from that date. OCWEN 's practices of Debt Collections, are not serviced accordance to the financing law and practices. OCWEN forced borrowers like me pay more than my usual monthly mortgage payments. 
I am requesting to bring back my monthly mortgage payment from {$1.00}, XXXX as I usually paid. Evidence payment copies attached from OCWEN as proof bringing from {$1600.00} a month from my usual XXXX a month. 
I am asking OCWEN to credit to my principal Loan for the extra of {$480.00} from the time they loan Modified last XXXX XXXX, 2013 up to the present for extra escrow charges and adjust my mortgage payment back down accordingly. I will enclose the copy of the final Loan Modification signed and notarized. I have applied HAMP Program including my rights for Federal Housing Affordable Loan Modification and I want to seek my rights for remedies available at law such recouping the government Loan Modification benefits and incentives.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my profound concern in regards to a few questioned accounts on my credit report. Regardless of different solicitations for an exhaustive examination concerning these errors, I presently can't seem to get any goal or remedial activity. These mistaken records are making critical harm my credit document and are seriously impeding my capacity to carry on with an ordinary existence.

The adverse consequences of these errors have brought about enormous difficulties for me, and I'm left with no decision except for to desperately look for your help with redressing what is happening. I generously demand that an exhaustive examination be directed into the revealing of every one of these contested records. It is basic that the essential advances are taken to immediately refresh and address my credit report. 

With your assistance, I desire to reestablish the exactness and honesty of my credit document, permitting me to recover command over my monetary prosperity. I earnestly encourage you to focus on this and make a quick move. Your participation and backing in settling this issue would be extremely valuable. 

Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Consumer Act, CFPA. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act and regulation E. These issues have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing dispute with Equifax for over 3months now. Im a Veteran, I recently returned from Overseas duty station ( XXXX ). While I was overseas I used to have a Pay as You go cellphone plan with XXXX. Since returning, I have been harassed by a collection agency, for unpaid cellphone bill from XXXX ( XXXX $ ). Despite multiple attempts, the collection agency has refused to Validate their claim. They keep sending Invoice to Equifax. I have submitted over 8pages of affidavit and evidence with the dispute application. Equifax keeps enabling fraudulent collections by lowering the standard of proof for the collection agency. Equifax keeps sending dispute results stating Ownership of debt has been verified by lender. Which Is a complete untruth. Invoice is not proof of ownership or liability. I have emails with admissions from original creditor, that they do not have a contract signed by me. Furthermore, collections against XXXX XXXX Servicemembers without a court order is a violation of the ( SCRA ) Servicemember Civil Relief Act. Equifax is playing an equal role along with a disreputable Collection Agency, in attempts to take advantage of Military Servicemembers, Veterans and family members returning home. This type of business practices by Equifax and collection agencies, is the main reason Veterans have a hard time adjusting to civilian life and later leads to rage and emotional breakdowns. Filing a Civil Suit is not an easy process, and most times people of lesser means dont have that option. Collection agencies are well aware of that fact, and they take maximum advantage. The collection agency in question has refused to show proof of debt ownership. When I disputed the claim with collection agency ; the collection officer explicitly stated that paying XXXX $ to him will be the easiest and fastest way to close the case, and if I were to keep asking for Validation, he would take as much time as he needs to address the issue. I have never received any Credit service from any European financial institution. I have never entered a contract with the Cellphone service provider. I canceled the cellphone service in accordance to XXXX and SOFA Outprocessing guidances, I have provided several documents proving my dispute ; Equifax didnt even look at the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortiva credit card is reporting incorrect information on my credit report, after paying the out in full the company place 8 late payment with 2 credir bureas and 2 late payment with the other, this is a inaccurate information reporting on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received an alert of an attempted credit for XXXX XXXXXXXX. 
I did not make this inquiry. Please delete immediately do not grant credit.