23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, DEPT OF EDXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX 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 or other personal consumer reports

Transunion is still reporting incorrect information on my XXXX account and had the nerve to say they verified which is a blatant lie to you.. i lodged the same dispute with XXXX  on the same day XXXX investigated and returned with a XXXX balance transunion is operated in violation of the fcra.
Product: Checking or savings account

On XX/XX/XXXX I got an email saying that Wells Fargo had shipped a card to replace my expiring one. I never received the card in the mail. XX/XX/XXXX, I was buying a snack at my office buildings cafe and my card got declined. I confirmed I had money and proceeded to pay with my Phone. I thought the card declined because my new one had arrived. I got home and checked the mail and had not recieved anything. A few days later I needed a card and went to the bank to get a temp since i had not recieved my new one. They told me those were not offered anymore so I pulled {$40.00} Cash to make it through the week until my new one came in. 
It was XX/XX/XXXX and I had just got home from night school ( XXXX ). I checked my account around XXXX after watching an investing video and I noticed that I had several unauthorized charges to my account. I called immediately and a lady recorded the fraudulent activities and made a claim and locked my card and removed the digital one on my phone as well. The lady had a new card mailed. 
A few days later I was having lunch and noticed those pending charges were getting authorized after I had already called and reported them. I began to look at the history and noticed I missed a few from the day before. 
I called again and the lady went ahead and updated the claim to contain the following ( These are the posting dates ) : XX/XX/XXXX, XXXX XXXX {$31.00}, XXXX {$31.00}, XXXX XXXX {$39.00}. On XX/XX/XXXX XXXX XXXX {$59.00}, XXXX  {$29.00}, XXXX XXXX {$31.00}, XXXX XXXX {$35.00}. On XX/XX/XXXX XXXX XXXX {$25.00}, XXXX XXXX {$7.00}, XXXX XXXX {$10.00}, XXXX XXXX {$54.00}, XXXX XXXX {$59.00}, XXXX {$59.00}, XXXX XXXX {$28.00}. On XX/XX/XXXX XXXX XXXX {$51.00}, and XXXX XXXX {$87.00}. 

I received the first card but it was voided. A few days later I got my new card which finally worked. 
They gave me temperorary credits ( XX/XX/XXXX ) for + {$29.00}, + {$31.00}, + {$35.00}, + {$7.00}, + {$10.00}, + {$25.00}, + {$28.00}, + {$54.00}, + {$59.00}, + {$59.00}, + {$87.00}. Then I received temperoary credits on ( XX/XX/XXXX ) + {$31.00}, + {$31.00}, + {$39.00}, + {$59.00}, and {$51.00}. Then on ( XX/XX/XXXX ) They did a credit reversal for the folowing {$29.00}, {$31.00}, {$35.00}, {$7.00}, {$10.00}, {$25.00}, {$28.00}, {$54.00}, {$59.00}, {$59.00}, and {$87.00}. I called again after this reversal and they said they did not have rights to pursue the claim and that their was nothing else they could do to help me. that call was made XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When Covid first happens, I lost my job and was unable to pay my creditors. I resorted to a company called Americor who took over my credit card debt to settle them for 50 % or less and I've been paying a Americor unfortunately it was not brought to my attention that it would make my credit card account go delinquent and it has suffered. My credit score tremendously, even though I'm paying every single month on time to Americor it's still not reflecting as a positive thing on my credit report. I am a single mom of two and I'm struggling to make ends meet with very little resources. I would appreciate it if these creditors could understand and do their best to help me settle or negotiate these debts to something that I can handle.
Product: Credit card or prepaid card

Hello, My complaint is regarding Discover credit. I have been a Discover customer since XX/XX/XXXX and my account has always been in good standing. The past year dealing with the COVID-19 pandemic has proved to be difficult for my family. One of main things we have relied on during this time of uncertainty and unexpectedness was my Discover line of credit. My credit limit, continues to be lowered without my notification after 'reviews ' are done my account which I could have opted out of. I was not made aware that I could opt of these auto-reviews until today. I recently made a significant payment on my Discover account on XX/XX/XXXX of {$7000.00} and plan to do again in a couple of months. In the meantime, since then, my credit line was decreased to below $ 10k and then increased a couple hundred dollar in XX/XX/XXXX to {$10000.00}. 

In the past my credit line was {$13000.00}. This lowering of my credit line has brought my credit score down as which is very frustrating and makes it impossible to have this reversed in my time of need during COVID. All I am asking of Discover is to give me the respect of re-establishing my credit line to $ XXXX $ XXXX which is completely fair given my payment history. at the VERY least, I am asking that my credit line be returned to $ XXXX which is what it was a couple of months ago. It is disheartening that this company if making it so difficult to make this change for me. I was on the phone today, Monday XX/XX/XXXX, during my work day for an hour and was transferred between three different departments. The last department I was transferred to a gentleman named 'XXXX ' who is an account review analyst, not even a manager, and he was the least helpful of all. I have no other resource than to report my experience here. I vow to end my credit relationship with Discover as soon as we are able to do so and fully recover from this pandemic. All I have asked is during this time of COVID that Discover not lower my credit line especially after I went through this with them this past XXXX at the beginning of the pandemic. Thank you very much for your time and consideration with this matter. 

Sincerely a frustrated customer, XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> a letter was sent to experian advising there was incorrect information reporting to my credit and they have yet to respond and correct the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian After reviewing your response to my dispute letter of the account listed below. I have received additional information. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. Youve chosen to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will had no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department and FTC. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Product: Bank account or service

My wife and co-borrower, wrote a check against our home equity line of credit to pay a credit card. HSBC returned the check unpaid and indicated that she was an unauthorized borrower. After calling HSBC customer service twice, they then said that the signatures did not match. I then ask them to provide proof by requesting a copy of the returned check and the signature card but HSBC had the audacity to charge me a fee for this. I can not believe that they want to charge me a fee for their mistake. I have since been charged {$30.00} by HSBC for a returned check fee. My credit card company also charged me {$30.00} for a returned check fee and almost {$15.00} in interest for the period between the due date and the date I paid with another check. It is unacceptable for a bank to be unwilling to provide a copy of your own signature to verify that they have a correct signature on file. I also requested that they mail me new signature cards - which they have failed to do.
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. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, 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 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. 
XXXX XXXX all
Product: Credit card or prepaid card

To whom it may concern, I am writing to submit my complaint about my previous dispute with Chase Travel and Chase Bank. The transaction date is XX/XX/2020. The dispute amount is {$110.00}. 

Back in XXXX I booked a car rental through the Chase Travel portal for an XXXX XXXX with my Chase card. On the day of picking up the rental we were informed that the name of the driver and the person 's whose credit card was being used needed to match. Since I do not drive we changed the card to my partner 's credit card for her to drive. We were told that the booking was being changed to her card and the total charge would be on our receipt. As you can see on the statement attached and the previous attachments the rental has been paid. We are disputing the charge on my Chase card because we were told it was going to be refunded. We have spent the past three months working with Chase, Chase Travel, and  XXXX in attempt to complete this dispute and receive our money back. We are unsure as to why the cards have two different charge prices. As for now, Chase Bank 's only response was simply resending the confirmation email from Chase Travel without further explanation. We have been double charged on my Chase credit card as well as my girlfriend 's credit card for the same car rental. As shown in the final receipt, the car rental has been fully paid by my girlfriend 's credit card bearing the amount of money {$92.00}. 

At the same time, we had a mechanical issue with our vehicle that was rented and had to exchange the car a few hours out of the way so they may have lowered the price because of that. As you can see on the itinerary, we returned the rental within the time that was booked. 

I have attached to the submission the completed payment and statement on my girlfriend 's card for the rental along with copies of the receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the Following items ; 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Columbia Debt Recovery Date ReOpened XX/XX/2022 The Balance on this account was {$4300.00} and now is {$4600.00} This account was previously deleted off credit report before re opened date provided This is my second time writing you are still reporting false information. That you haven't validated. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. 
Receive notification if information in my file has been used against me in applying for credit or other transactions.

Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.

Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. i recently applied for extended credit and was denied i am in distress because of your mistakes.
Product: Credit card or prepaid card

A Company by the name of Affirm has my email address and cell phone number. They call everyday stating I owe an amount of {$130.00}. Someone at the company stated it would be turned over to the investigator to look into the matter. Every time they call me, I state I did not open an account with your company. As early as today, someone from the company stated well it's in your name and you are responsible to pay this bill it is 30 days overdue. I stated I will not be paying this bill because I did not open the account to begin with. He stated it's your name and email, you will be held responsible for the bill. I asked the guy would he like to have this conversation with my attorney because I did not open an account with your company.
Product: Credit reporting or other personal consumer reports

Hello, good day. I kindly ask that you treat this matter with the seriousness it deserves, as it has caused me significant stress and anxiety. I am a victim of identity theft, and my personal information was used fraudulently. As a result, there is an item on my credit report that I have no connection to and was never associated with. Following the guidance provided by Equifax, I promptly filed a report with the FTC and submitted it to address this issue. Despite my efforts, this fraudulent item still remains on my report.
Product: Debt collection

called several times a day ( 3 to 12 ) companies are XXXX XXXX XXXX called me several time a day Approx {$8800.00}, Jefferson Capital Systems LLC sueing me for XXXX, and XXXX XXXX approx {$9000.00} calls me several times a day over 4 times or more I contacted them to let them know I was having trouble and would contact them in a few days but then the very first day they called ove 6 time a day every month over 8 months I had a XXXX and they still call they call and hang up trying to make me couries thinking I would call to see who called the use automated calls to leave messages befor my answer machine has stopped talking and their messages are cut in half or when answering answers they just hank up
Product: Checking or savings account

I signed up for a XXXX Bank checking account with a {$300.00} online bonus offer, described in this promotion : https : XXXX TD Bank did not honor their promotion and has not credited my checking account with the {$300.00} bonus, even though I met the terms. 

I called their customer service and they explained that they would not honor the promotion because my {$2500.00} deposit was made via check rather than ACH. 

The terms of their promotion do not state that there are contingencies based on deposit type. The terms simply state : " To qualify for the {$300.00} personal checking bonus, new personal checking Customers must open a TD Beyond Checking account with cumulative qualifying direct deposit funds totaling {$2500.00} or more into the new checking account within 60 days of the account opening date. '' I deposited {$2600.00} on XX/XX/21 so I should qualify and I'm owed my {$300.00} bonus.
Product: Payday loan, title loan, or personal loan

Early last year, I got behind on the personal loan I had with Regions. I have made multiple payment over the past few months to get caught up. I spoke with one of their reps who told I me that I owed {$340.00} when my account stated I owed {$100.00}. When I stated that the amount owed was wrong, the rep explained that the difference was from late charges and that they show on the statement. I told the rep that I have never saw these late fees before and that none of the previous reps that called when I was late never stated that amount, just the what was owed on the loan. Also I stated that I never received any statements and that I only used and opted in for online access only. I asked for the rep to send me the paper statement so I could see the charges. I was charged {$35.00} late fee even in months I made payments. I now have three times as much in late fees than what is owed on the loan. I spoke with a customer service supervisor about the situation who stated that they could only remove one of the {$35.00} fees. I understand a late fee but owing three times as much in late fees is ridiculous and unreasonable on top of being charged interest.
Product: Credit reporting or other personal consumer reports

Experience data breach with credit report agency and my information was breached
Product: Debt collection

We have been getting a lot of phone calls from a company known as " XXXX XXXX XXXX Services ''. They 've been using about eight different phone numbers, and I '' ve blocked all of them using call block and caller ID, but since they continue to call, I 've turned around and called them a couple of times to find out what 's going on. A couple of weeks ago I spoke to a live person, somebody named " XXXX '' and she told me they were looking for somebody by the name of XXXX XXXX ( that 's not us ) who apparently owes them some money. XXXX told me she would take our name off the list. Now they called again this morning and I again called them back and I again talked to a live person ( did n't catch her name this time ) and again explained the situation and who I spoke to last time, and again she said she would take our phone number off their list. I doubt that will happen though. And I told her that we do not have any debts that would require the use of a debt collection agency. So somebody needs to track down this XXXX XXXX person and get in touch with that individual instead of calling us.
Product: Mortgage

I assumed my mortgage which was an easy process after my divorce. Freedom was actually easy to work with. I was on my original loan. However, after the assumption, Freedom no longer will allow me to access my account online. I was not informed of any of this prior. I contacted them repeatedly about it, because that is how I normally pay. But no one was able to tell me way I could not do online, util finally I XXXX  today, XXXX, and saw many angry people are having this issue since their assumptions. I am being treated like a XXXX. They are saying this is to protect my ex. I was on this loan before. I am the one who made all of the mortgage payments. Neither one of us had our SSNs on anything I had access to before so I feel like this is some kind of a weird cop out on their end. I no longer have access to my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Equifax, XXXX and XXXX requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I attempted again on XX/XX/2021 and XX/XX/2021 1. XXXX XXXX XXXX : {$9700.00} Paid in Full Please supply information on how you have verified this item. This account has been settled 2. XXXX : {$10000.00} Please supply information on how you have verified this item. 

3. XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report.

4. XXXX XXXX - Paid in full {$0.00} Please investigate and delete from my credit report.

5XXXX XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX  -Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

5. XXXX XXXX - Paid in Full amount {$0.00} Please investigate and delete from my credit report.

6. 12 XXXX - Paid in Full {$0.00} Please supply information on how you have verified this item. 

Thank you, XXXX XXXX