23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been making payments faithfully to my Capital One XXXX credit card via phone and via mail each month. The payments are held or not applied to the account and they even tried to get into a closed bank account that I have not used in several months since moving XXXX. The money is withdrawn from my account XXXX and then they claim I did not make the payment. They are clearly taking my money, and then charging me " late '' fees for payments I 've made ON TIME. I talk to their " customer service '' people who then " reimburse '' the late fee and tell me my account is in good standing. And then? I get a bill with ANOTHER late fee on it and telling me I 'm past due WHEN I AM CLEARLY NOT past due. It 's fraud and it 's harassing and I can not stand it any longer. I 've spent endless hours on this and my time is worth {$40.00} an hour. I want them to cease and desist and leave me alone. I 'm not going to pay them a penny more for the XXXX months XXXX they 've put me through and putting me on hold for endless hours and wasting my time. My time is valuable and I 've got better things to do than fight these rotten companies with terrible business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

I signed up for classes at XXXXXXXX XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX program. Originally they told me I could not register, because I hadn't finished a XXXX  course. Later they did allow me to register, and so I did, but because I hadn't finished the XXXX, they then told me that I could not receive financial aid. I promptly dropped all my classes because I had no way to pay for them. They then charged me a 20 % fee for dropping my courses, even though I never attended and they admitted me past the no fee dropout timeframe. It's not fair or right, that they charged me close to a XXXX dollars and then sent the bill to collections. Predatory practice. They should have not charged me anything, because I promptly dropped all courses before they started. 

Please help me get rid of this on my credit report. 

Thank you
Product: Credit reporting or other personal consumer reports

In accurate investigation from expierian credit company i know u have a law suit and want everything removed for thier inaccurate investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned in all documents showing that I was the victim of identity theft.
Product: Credit card

When purchasing airline tickets an ad popped up to receive {$400.00} credit toward purchase. I applied and was approved. I was supposed to receive an email with a link. It never came. I called and the rep told me I would get an email with a link so that I could use the card. It didn't come. I proceeded with the purchase. Called the company again and the person I talked to assured me that I would still get a credit. She told me to use the card and I would receive a credit up to {$400.00}. I did that, but did not receive a credit. Now they are saying that I won't get the credit because it was only for airline tickets. That was what I wanted to use it for, but there was no way to use it. I believe it was blatantly false advertising. Then I was lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXXXXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance : {$4900.00} ), XXXX XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXXXXXX XXXX, ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$230.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$160.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$83.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Type : XXXX XXXX XXXX  Status : Discharged Date Filed/Reported:XX/XX/XXXX Reference # XXXX Closing Date:XX/XX/XXXX Asset Amount : {$0.00} Court : XXXX XXXX XXXX  XXXX XXXX XXXX Liability : {$0.00} Exempt Amount : {$0.00} 15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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

I am a victim of identity theft. My information was used to open numerous accounts that went delinquent. I am currently in the process of trying to get these accounts removed. my personal information ( social security card and ID ) stolen in XXXX and was also a victim of Equifax security breach. I have disputed accounts with Equifax numerous times and they will not remove or send proof of validation to me. Equifax is currently reporting inaccurate information and I need a resolution. I have asked them continuously to send proof of validation bearing my signature. Below are accounts in dispute : XXXX XXXX {$440.00} XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX {$910.00} XXXX {$830.00} XXXX XXXX {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act the companies listed below has violated my rights. 15 U.S.C 16.81 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 it also states a consumer report agency can not furnish a account without my written instructions. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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

As everyone knows, XXXX improperly shared my information due to their negligence. I tried to freeze my credit with XXXX and their website to do this. I attempted this today ( XXXX/XXXX/XXXX ) and their website threw an error : " We 're sorry. We can not process your security freeze request online at this time. Please try back later. '' There 's no other option, phone or email to resolve this failure.
Product: Credit reporting or other personal consumer reports

I am filing to formally file a complaint against XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect.
Product: Checking or savings account

My bank : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXX approved auto debt charges when account had insufficient funds. In just 10 days {$190.00} worth of insufficient funds charges which completely emptied my account and ate up all the deposits I frantically made trying to cover the my payments before they were to be paid. As a XXXX widow living on social security I have a very limited income, which is why I requested that no charges be approved against my account if funds were insufficient.
Product: Credit card or prepaid card

I am the Executor of my mother 's estate. When I paid her bill I overpaid by the amount of {$47.00}. I wrote to them XX/XX/2022 and provided my letters of authority from the probate court as well as their statement evidencing a refund due the estate. I followed that up with a telephone call on or about XX/XX/2022 and talked with a supervisor " XXXX ''. XXXX acknowledged the receipt of my previous correspondence and it's enclosures. XXXX stated they also needed a copy of the Certificate of Death. By letter dated XX/XX/2022 I again provided a statement showing a credit balance and the certificate of death. While I have not yet received the refund they have stopped sending me the statement showing a credit balance. 

This amount is not large. it is, however, causing me a great deal of work resulting in lost time, time equals money. In addition, the estate is now closed due to the time frames involved. I will incur additional expense in reopening the estate and believe that XXXX by Goldman Sachs should reimburse me for the time, expense, and penalty. They did require a penalty of me when I was a month late in paying their bill.
Product: Debt collection

Checked my credit report to find out i have 3 collections from Augusta Collection agency i asked for the purchase agreement to the debts in question have not received it and i never used services that resulted in those Collections again i asked for the purchase agreements to the debts and was ignored which is not fair to me and violate my consumer protection rights i have not talked to anyone from the agency at all nor did i make a payment plan or arrangements on any debt
Product: Credit reporting or other personal consumer reports

DISCOVER BANK has refused to comply with my opt out notice sent over one month ago. 

They are reporting a charged-off account. 
This charge-off is a certificate of indebtedness. According to IRS publications, as well as 15 USC 1681 where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted. 

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce. 

CFPB can you BLINK IF YOU CAN HEAR ME PLEASE?!!! I have reached out so many times lol
Product: Debt collection

On XX/XX/22 I received written notification that my account with Capital One is now own by XXXX XXXX XXXX XXXX XXXX for the amount of {$710.00}. I received an email from XXXX XXXX XXXX on XX/XX/22. I am sending them a letter. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. Capital One and XXXX XXXX XXXX has violated my privacy. All three credit bureaus are already violated my privacy by reporting Capital One on my consumer reporting file. I need some help with matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE TO KNOW EXPERIAN KEEPS VERYING AN ITEM THAT IS CLEARLY REPORTING INCORRECT INFORMATION THIS BALANCE IS INCORRECT YET EXPERIAN IS ALLOWING THESE ITEMS TO CONTINUE TO REPORT THIS DEROGATORY INFORMATION ONTO MY CREDIT FILE WHICH IS A CLEAR VIOLATION OF THE FCRA. I HAVE REQUESTED THE DOCUMENTATION WHICH THEY HAVE USED TO VERIFY THIS ITEM YET THEY HAVE IGNORED MY RIGHTS TO REQUEST THAT INFORMATION, ANOTHER VIOLATION OF THE FCRA. NOW EXPERIAN HAS TOLD ME THAT THEY REFUSE TO REINVESTIGATE THIS ITEM HOWEVER EXPERIAN HAS FAILED TO PROVIDE ME WITH THE INFORMATION I HAVE REQUESTED WHICH I HAVE THE RIGHT TO DO ACCORDING TO THE FCRA. 
THESE ARE INCORRECT AND HAVE YET TO BE VERIFIED ACCORDING TO THE LAWS SET FORTH IN THE FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

When I went to view my credit report, I noticed that I had multiple accounts on my consumers report that were fraudulent. I've never heard of any of these companies at all and i have never given anybody my information. Who are these companies? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to Transunion. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back XXXX and XXXX from conducting their investigations as well.
Product: Debt collection

Midland Funding LLC filed suit against me and attached false and misleading affidavits. Upon response to " Admissions '' refused to agree with the CONSENT ORDER. Denied the CONSENT ORDER between CFPB and ENCORE, MIDLAND FUNDING, etc. Continued to attach more false and misleading documentation but still not proving this debt was part of the " pool ''. Refuse to supply.
Product: Credit card

I am writing to formally express my dissatisfaction regarding an unresolved claim related to the Collision Damage Waiver ( CDW ) benefit that was supposed to be provided by my Chase Instacart Mastercard and the lack of clear communication surrounding changes to the card 's benefits. 

Timeline of Events : In XX/XX/2024, I applied for and was approved for the Chase Instacart Mastercard, which was advertised as offering various benefits, including a Collision Damage Waiver ( CDW ) for rental vehicles. This benefit was clearly outlined in the benefits guide that accompanied the card, and I made my rental decision based on this understanding. 

On XX/XX/2024, I used this credit card to rent a vehicle from XXXX. The rental period was from XX/XX/2024 to XX/XX/2024. Unfortunately, during this rental, a minor scratch occurred on the vehicle on XX/XX/2024. 

Upon returning the vehicle to XXXX on XX/XX/2024, I submitted the necessary acceptance report, fully aware that the CDW benefit on my Chase credit card should cover the damage costs.

Shortly after, I was informed that Chase updated its website for claims processing, and claims for incidents prior to XX/XX/2024 could no longer be filed via the new portal. I was left with no option to file my claim through the old system, and the new system does not allow claims for incidents that occurred before XX/XX/XXXX. 

My Issue : Despite the CDW benefit still being displayed on my account, I was told multiple times by Chase representatives over the phone that I no longer have this benefit on my card. However, at no point was I notified of any change to the benefits, and the CDW was an advertised feature when I applied for the card. It is still being advertised as part of the cards benefits. 

Now, I am facing an invoice from XXXX for over {$1000.00} in damage-related charges, which I am unable to pay. I relied on the collision damage waiver benefit, which was a decisive factor in both applying for the credit card and renting the vehicle with confidence.

My Request : I respectfully request that Chase honor the CDW benefit that was advertised and active at the time I rented the vehicle. Additionally, I urge you to : Clarify why the CDW benefit is not being applied despite being part of the benefits guide.

Allow me to file a claim for the incident that occurred on XX/XX/2024, under the CDW policy.

Provide written confirmation of any changes made to my cards benefits, if applicable, and ensure that no changes were made retroactively or without proper notification.

This situation has caused significant financial stress, and I believe it is Chase 's responsibility to either honor the benefit or provide a clear explanation of why it has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instruction. 

Following Accounts XXXX XXXX XXXXXXXX {$1600.00} No account number listed on report XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX {$72.00} # XXXX XXXX  # XXXX XXXX XXXX XXXX {$16000.00} # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have about 8 inquiries that I don't recognize on my credit reports. 6 or 7 on XX/XX/XXXX XXXX on XX/XX/XXXX and XX/XX/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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

I submitted a claim form in XX/XX/year> to Wells Fargo Bank for the Wells Fargo Bank Settlement Payout. I had an auto loan with Wells Fargo Bank and Wells Fargo Bank illegally misapplied my auto loan payments and repossessed my vehicle. Wells Fargo Bank owe me {$4000.00} for a settlement amount.