23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

What is reported on my credit does not match the invoice I was give by collection agency. I gave credit bureaus that & proof my identity was stolen twice & they keep siding with collection agency. The apartment on my credit is in Georgia, I contacted them & provided that proof to the credit bureaus. I have told this collection agency many times that their info is false & to get it off my credit. They sent me an invoice for a complex on XXXXXXXX XXXX ( that does not exist ) yet post a complex in Georgia ( XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit. My lawyer has been disputing this with them since XXXX  yet after everything its still on my credit report. Ive given credit bureaus letters for complex in Georgia stating I never lived there, police, XXXX XXXX XXXX reports but they side with collection agency. I & my lawyer have given all this to collection agency & still its on my credit for XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX there were six fraudulent transactions in my Chase Safire bank account. ( See Attachment 1 ) The fraudulent transactions were made at an ATM machine, operated by the XXXX XXXX in the XXXX XXXX. I have been using the ATM at this bank for six years. Apparently, someone was able to hack into my account and made six fraudulent transactions during a short period! 
Chase must have realized that fraud was being committed because they sent me a message at XXXX XXXX  on XX/XX/XXXX, asking me whether I attempted a withdrawal of {$370.00}. When I saw the message at XXXX XXXX, I replied No. At that time, I was not aware of the five other fraudulent withdrawals. I immediately received a message from Chase saying that my atm card was closed and that I would receive a new card. ( See Attachment 2 ). 
On XX/XX/XXXX I noticed that in addition to {$370.00} fraudulent transaction, Chase had also credited me for the other five fraudulent charges. ( See Attachment 3 ) So, you can imagine how shocked I was on XX/XX/XXXX when I looked at my account online and discovered that all the fraudulent charges had been re-applied to my account! ( See Attachment 4. ) Of course, I called Chase immediately and they passed me on to the Fraud Department. 





There I spoke with XXXX, a supervisor who told me that an investigation had been done, and that since my password was used, I was to be liable for all the charges. She said a letter was sent to me, advising me of the decision. The conversation was very short. When I asked her if she would call me back if we got disconnected. XXXX said, we wont get disconnected, When I asked if there was someone else, I could talk with about this matter, she said I could look that up on XXXX. As of today, I have not received the letter. 
I have had an account with Chase for over 25 years. During most of that time, I have maintained four accounts with an average balance of more than the {$75000.00} minimum balance requirement to receive free checking. Usually more than twice that amount. In the past I have received excellent service from Chase including several warnings about suspicious transactions. As stated above, I even received a warning about these fraudulent transactions. However, in this instance Chase has let me down. The fact that a thief somehow hacked into my account and was able to make six consecutive fraudulent withdrawals and Chase was not able to stop this is outrageous and unacceptable. 
I contend that given the information that I have presented above, Chase should restore all of the charges associated with these fraudulent transactions.
Product: Credit reporting or other personal consumer reports

I received a credit monitoring alert as to two inquiries furnished on my credit profile which was done so without my written or verbal consent. Per 15 USC 1681 I have the right to privacy and also fair and accurate reporting to my consumer credit profile and in this case my consumer rights were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a student loan from US Dept. of Education dated XXXX. I was in high school in XXXX. It says it's for XXXX XXXX. I never attended XXXX XXXX -- it was a male-only school and I am a female. I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Those loans were paid back. I did not start college until XX/XX/XXXX, and I went to XXXX XXXX in XXXX, MI. Again, I repeat, I was in HIGH SCHOOL in XXXX. NOT IN COLLEGE. Not at XXXX XXXX.
Product: Student loan

The company 1 file.org contacted me about student loan forgiveness. They charged me 3 payments of {$210.00} to process my paperwork and charged me a maintenance fee of {$29.00} XX/XX/XXXX, XX/XX/XXXX. I reached out to them in XX/XX/XXXX the phone number was no longer in business and no one never responded to my email. I am still unable to to find a contact for the business.
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card was handed to the cashier at the XXXX XXXX  XXXX   XXXX restaurant drive in. The card was used without my permission for two additional transactions to XXXX*XXXX XXXX XXXX XXXX XXXX. The valid transaction was for {$9.00}. The charge for {$400.00} to XXXX XXXX XXXX XXXX XXXX was not authorized. The charge for {$390.00} to XXXX XXXX XXXX  XXXX XXXX was not authorized. 
I received a text on my phone from Capital One asking me if the two large transactions were valid. I told them NO, that I did not authorize the transaction for {$400.00} or the one for {$390.00}. Capital One credited my card for both transactions on XX/XX/XXXX. Then on XX/XX/XXXX, Capital One rebilled my account for these amounts. They said because the chip was read, the charge was valid. The 'fraud investigator ' said there is nothing they can do, I should go to the police.
Product: Debt collection

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX BEING CHARGED TWICE FOR THE SAME DEBT 2. XXXX XXXX XXXX ACCT # XXXX XXXX BEING CHARGED TWICE FOR THE SAME DEBT 3. XXXX XXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT 4. XXXX XXXXXXXX XXXX XXXXXXXX ACCT # XXXX BEING CHARGED TWICE FOR THE SAME DEBT 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.
Product: Credit card or prepaid card

On Wednesday, XXXX XXXX 2018 I decided to look at the APR on a longtime Discover card that I 've had. So I opened the statement online and then spent the next 20 minutes or so hunting for the APR to no avail. I 'm not computer illiterate by any means and was getting frustrated as the APR on the other couple of cards I have is plainly shown on the first page of the statement. So I called Discover Customer Service and was told by the CSR, that she would gladly transfer me to someone in the tech department so they could '' guide me through the screens '' to find this information. She, however, was able to tell me the APR within the first minute of the call. When I told her that was outrageous that as a consumer, I 'm not able to find this information readily and why? She then said she would pass my concern to management. After I got off the phone I sent Discover an email asking why APR 's are not readily accessible to me on MY statement and have yet to get any sort of response. But they sent me a survey immediately after the call asking for my opinion to which I responded negatively in every category. It never has been like this with Discover in all the years I 've had a card with them. I have literally never had an issue with them ever until now. What gives? Finding my APR should not be a secret ... it is n't with other major credit card companies. Why is Discover being so secretive? 
I hope you can help me as I 'm ready to close the card and be done with Discover.
Product: Money transfer, virtual currency, or money service

I was scammed out of a lot of money I was very devastated and they allowed it to happened
Product: Credit card or prepaid card

On XX/XX/XXXX payment was made on XX/XX/XXXX and I have been charged late fee of {$28.00}. Due to COIVID-19 my unemployment arrived late and I and payment on XX/XX/XXXX which should have been paid by XX/XX/XXXX. Company has refused to reverse the late fee payment because of COVID-19 when I have lost my job and have no income except unemployment.
Product: Debt collection

Credence Resource manage bought my debt from XXXX XXXX XXXX XXXX XXXX who already acknowledged it was not valid with XXXX, these people doesn't do their job toward verifying debts!
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery ( https : //www.portfoliorecovery.com ) purchased a debt of mine from XXXX. The debt dates to 2011 and was already removed from my credit report because it expired. 

Portfolio recovery put the zombie debt back onto my credit reports. Both XXXX XXXX and XXXX have refused to respond to my disputes and remove the expired debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Prepaid card

I understand that after six long months, wisely ADP payroll returned the money I disputed. However, I haven't had a card for awhile. I stopped using it because I had stopped my direct deposit from going into that account them due to the issues I was having with getting infomation to them to support my dispute and I have no idea where it is at now. Nonetheless, I still would like to thank them for making this right and finally adhering to regulation E. However, I have not been able to access the app, or none of the funds they returned. I really could use to pay some bills that are behind because of the very long wait for them to respond. Please send me a card so i can call in and access my accont and use the funds you returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX added a derogatory mark on my credit report per TransUnion and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX  one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit placed a negative report involving XXXX XXXX with an unpaid bill from 2021 with the amount of {$120.00}. I dont have an electric bill because I live in a coop here New Jersey and monthly payments in my coop includes water and electric bills. Ive been living here for XXXX yrs now. Thank you
Product: Debt collection

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 Account number : XXXX Has all 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Yes I made a purchase but I immediate contacted the merchant and cancelled it they sent it anyway after I refused it it was rerouted back to me again then I contacted the company to get a return label they refused its XXXX XXXX I then filed a dispute over three weeks ago with pnc dispute Dept they assured me not to worry to credit my account and not a single credit email or is mail has been sent to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION COLLECTIONS : XXXX XXXX  XXXX XXXX XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX INQUIRIES : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 COLLECTIONS : XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX  COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX
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. 
Account name : XXXX XXXX, Account name : XXXX XXXXXXXX XXXX, Account name : XXXX XXXX Account name : XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

i used this credit card. and paid it off. they closed the account and they reported late for a balance of {$4.00} i did not have. the last time I paid it was XXXX. I told them and they did not respond. I always make my payments on time and now my credit is ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

We all know about the XXXX problem. It was recommended that all affected parties ( that 's me ), freeze their credit reports. When I did this with Experian they said Virginia Law requires a {$10.00} payment fee. That really XXXX. It 's not my fault that XXXX XXXX up. Why does Virginia Law require this fee?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX