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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15USC6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that '' In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and other : in accordance with the written instruction soft he consumer to whom it relates. " ( XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( XXXX XXXX ) whether it be verbal, non- verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to an affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non-disclosure option. " ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following item so f information Any other adverse item of information, other than records of conviction of crimes which antedates there port by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) state 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. 15 U.S Code 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Checking or savings account

I opened an account with Chime on XX/XX/year> and deposited {$200.00} from an existing checking account with another bank. 

Chime closed my account without explanation on XX/XX/year>. 

I contacted my bank to stop payment on the {$200.00}. They opened a case and on XX/XX/year> said that there was nothing more they could do. 

I contacted Chime on XX/XX/XXXX, and they gave me access to my account again. I logged in and noticed that they had taken the {$200.00} from my account on XX/XX/year> and called it an " adjustment ''. 

I was transferred to several different departments at Chime and was told that it was transferred somewhere and there was nothing they could do about it. They did not tell me where it was transferred to, where the money is, or why it was " adjusted '' in the first place. The Chime employee eventually said there was nothing more they could do and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Date Opened XX/XX/2008 Balance {$0.00}. Please delete.
Product: Credit reporting or other personal consumer reports

in accoordance with the fair credit reporting act XXXX  account Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX Balance {$440.00} Balance updated XX/XX/XXXX Original balance {$440.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$440.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$460.00} Terms - On record until XXXX XXXX Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$460.00} Terms - On record until XXXX XXXX Account info Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$440.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$440.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$440.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX 15 u.s.c 1681 section 602 a states i have the rights to privacy.

15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting angency can not furnish a account without my written instructions.
Product: Debt collection

on XX/XX/21, my mother in law received a text supposedly from Pay Pay, addressed to me, stating it would help get my account in good standing. They also gave a number to call. There is no reason my mother in law should get calls or texts regarding my debts. In addition, her phone number is nothing like mine, so it could not have been a mix up. the number listed that sent the text was XXXX, the number on the text was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I was made aware of some accounts on my credit report that do not belong to me. The way I found out is that I got my credit ran by a loan company when I applied for a personal loan. I had no idea that these accounts were on my credit before today XX/XX/20. I did not open any of these accounts nor did I give anyone permission to open them in my name. I made some calls and I found out that these accounts were opened by a person named XXXX XXXX XXXX. I have no idea who that is nor why they opened these accounts in my name without my permission. I never made any purchases or payments towards any of these accounts nor did I benefit anything from these accounts such as money, services, goods or any other benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent PNC credit the following on XX/XX/2022 for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Unit XXXX XXXX PA XXXX PNC Consumer Credit Bureau Investigations XXXX XXXX XXXX XXXX, OH XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX and XXXX regarding me being an authorized user on the account of deceased XXXX XXXX ( credit card XXXX XXXX XXXX XXXX ). I have circled the items I dispute on the attached copy of my credit report. 

This item- XXXX XXXX as an authorized user on credit card under XXXX XXXX XXXX card XXXX XXXX XXXX XXXX ) is inaccurate because she is deceased and the card should be currently closed. I am requesting that PNC have the item removed and to immediately stop reporting to XXXX XXXX credit file. Any debts she has should be filed through her estate. 

[ It is showing on my profile that the account is active and debt is owed. which is bringing down my score significantly. She passed away XXXX of last year. ]
Product: Debt collection

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I obtained my Transunion credit report online and immediately started disputing inaccuracies by phone and mailed in documentation. However, from starting disputing in XX/XX/XXXX until XX/XX/XXXX, the inaccurate accounts, names, and bankruptcy were never removed after disputing multiple times. 

SEE ATTACHED.
Product: Debt collection

XX/XX/2013 amount is {$760.00} IQ Data International IN this was about 4 years ago with XXXX apartments I was about XXXX XXXX XXXX and my mom used me as a XXXX XXXX for an apartment, I did not know anything about credit or how it could possibly affect me. When we left the apartment I did not know we had an outstanding balance. I did not receive any notificaiton that I owed anything to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX. I have contacted the FTC and local police and Im also doing this on my own behalf.
Product: Credit card or prepaid card

XX/XX/XXXX Call on XXXX : Your account has been compromised. press 1 to be connected to XXXX XXXX. I pressed 1 and a male claiming to be an XXXX XXXX came on the line. He took over my computer and displayed a log of transactions that had processed. He pointed out about 20 transactions that were not from me. He said he would disable each of the perpetrators ability to access my system. He said it would cost {$500.00} each but XXXX would refund the cost. To expedite the work / payment he had me purchase XXXX XXXX and read the card numbers back to him. As directed, I bought 24 cards. He stayed with me, on my phone, while I made the purchases. 

In the process above we became disconnected. I dialed him back using the # I had in my contacts list for XXXX XXXX XXXX XXXX ). The # came with the XXXX I purchased new from XXXX. The call went directly to the fraudster. He had control of the #. I was under the ether. 

XX/XX/XXXX Reported incident to Cap1 Case # XXXX. 
Reported incident to XXXX Case # XXXX, Suggested contacting XXXX XXXX XXXX XXXX, Virginia, XXXX. 
Reported incident to XXXX Case # XXXX. 
Filed Police Report / XXXX Sheriffs Dept. : Deputy XXXX XXXX # XXXX, Case # XXXX. 
Notified 8 vendors to use new Cap1 Visa instead of XXXX. 

XX/XX/XXXX {$11000.00} charges to Cap1 : XXXX XXXX {$8000.00}, XXXX  {$2500.00}, XXXX  {$500.00}. 
{$1000.00} charge to XXXX, XXXX # XXXX XXXX XXXX XXXX. 
Letter to Sheriffs Dept. Update info Fraudsters name XXXX XXXX. XXXX request me to contact them @ XXXX ''. 

XX/XX/XXXX Cap 1 charges reversed. 

XX/XX/XXXX Cap1 letter : case # XXXX We want to assure you that you wont be liable for any unauthorized charges. 

2nd.letter Re : XXXX Ive found no indication of fraud. The following charges will appear on your next statement as adjustments : {$11000.00}. Sincerely, XXXX Customer Fraud Protection. 

XXXX My letter to XXXX. The subject incident was 100 % Fraud according to XXXX. Mailed XXXX Certified XXXX XXXX XXXX XXXX XXXX, Return Receipt XXXX. 

XXXX eMail response from XXXX. 

XX/XX/XXXX Filed FTC Report Case # XXXX Referred to Consumer Financial Protection Bureau CFPB www.consumerfinance.gov XXXX. Voice mail from XXXX. 

XX/XX/XXXX Returned call to XXXX. Spoke to XXXX, Manager Customer Fraud Protection. Because incident was a scam its not covered by Fraud Protection. Case closed. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXXpg. 67 XXXX XXXX XXXX put under the ether classic imposter fraud payment using a gift card, this is without a doubt fraudulent. 

XX/XX/XXXX Letter to CapOne disputing balance due, charges, transaction history. After spending countless hours correcting numerous CapOne errors, I reverted to maintaining my own Account Balance and paying monthly according to previous CapOne directions. 

XX/XX/XXXX - XX/XX/XXXX 4 letters to XXXX XXXX XXXX, CapOne CEO requesting resolution. No success. 

XX/XX/XXXX My Credit Score has gone from XXXX to XXXX due to Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX have reported a XXXX late payment indicator on my credit report with the creditor, ( XXXX XXXX XXXX ) , which is incorrect and is currently showing on my credit report. The two accounts from this creditor that I am referring to is the account balance of : {$34000.00} and {$110000.00}, which the account was opened XX/XX/2021, and XXXX XXXX. I have never paid 30-days late and when I contacted XXXX XXXX XXXX XXXX, they said that their system is not showing it and that I am current and they did not report that 30-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian, XXXX and XXXX and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Product: Credit card

On XXXX XXXX merchant named XXXX XXXX XXXX XXXX, charged an unauthorized transaction to my Apple Goldman Sachs credit card for the amount of {$490.00}. The company was hired to move my furniture on XXXXXXXX XXXX. During the move, it began to rain and the movers refused to move my couch in the rain because they claimed they could be injured. They told me they would be returning the following day after the weather improved to move my couch. They refused to release my couch and took it back in their moving truck, saying that they needed to hold onto it until the job was completed. On XXXX XXXX, the movers arrived at XXXX XXXX  to move my couch inside my home. They asked me to sign their mobile device to close the moving contract, but they did not disclose that they would be charging me a second time. When I saw the second transaction on my credit card later That same day, I called the company and could not reach anyone. I continued to call and leave messages to dispute the charge directly with the merchant but did not receive any response. I opened a dispute for the charge with my credit card company, Goldman Sachs. On XX/XX/, Goldman Sachs informed me that they decided to side with the merchant on the dispute. They did not ask for additional evidence on my part before making their decision to credit the merchant for a transaction that was charged without my permission. If you see the attached contract I signed with XXXX  and XXXX XXXX, you will see that a couch was included in the inventory to be moved. I should not have been charged a second time or additional charges since the couch was already included in my contract.
Product: Debt collection

I TOLD THE LENDER I COULD NOT PAY UNTIL A CERTAIN DATE AND TOLD THEM TO PLEASE STOP CONTACTING MY FRIENDS AND MY EMPLOYER. THEY THEN TOLD ME THEY COULD CALL AND HARRASS ME UNTIL I PAID. I INFORMED THEM THAT I COULD GET FIRED FOR THEIR ATTEMPTS TO CONTACT ME AND I INFORMED THEM TO CEASE AND DESIST AND THEY HAVE YET TO QUIT CALLING. I AM SCARED OF LOSING MY JOB. PLEASE HELP
Product: Money transfer, virtual currency, or money service

I recently had a debit card account with bluebird American Express there was a {$630.00} charge to XXXX XXXX in Minnesota I live in XXXX Texas I was told that the refund should be back on my card because they can see that I am not in Minnesota I have filed a dispute three times and got the same answer and was not able to speak with anyone about my refund this was two months ago and I still have not heard from anyone apparently there is no one To talk to directly I sent emails and letters with no response
Product: Student loan

On XX/XX/XXXX, I noticed a suspicious increase in my loan balance, despite 0 % interest on all of my loans and two monthly payments made. My previous balance ( as of screenshots I recorded on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) was {$180000.00}. Since then, I have made two payments totaling {$400.00} ( payment dates XX/XX/XXXX & XX/XX/XXXX ). However my current balance ( as of the date of my original correspondence with MOHELA XX/XX/XXXX and today XXXX/XXXX/XXXX ) is listed as {$180000.00}, when my balance should be {$180000.00}. 

During previous XXXX % interest forbearances, balance discrepancies were due to interest continuing to accrue and then be cleared at a later date ( which should absolutely NOT be how XXXX % interest is handled ) ; however this has not been the case during the current forced forbearance. 

MOHELA has continually demonstrated its inability to accurately, effectively, and efficiently manage its borrowers accounts without making multiple errors, which fall solely on the shoulders of borrowers to recognize, remedy, and continually follow up with no or severely delayed resolution.
Product: Debt or credit management

Hi. My name is XXXX XXXX and I am being sued and taking to court by XXXX XXXX. They are very rude and they send people to nock on my door to serve me to court. the people follow me till they seem me come back to my home and people I don't know. They already took me to court one time and when I went to court they didn't show up and now a year later they come back with people againg to leave paperwork at my house to take me to court. I have court this end of month. I just cant do this no more. I am going to a lot of stress and XXXX. I don't owe them anything!!!!
Product: Debt collection

I have disputed this account with the credit bureaus and SIMONS AGENCY INC, and I have never received a single letter from them. This is a violation of the FDCPA and FCRA. I HAVE RIGHTS. I do not know who they are or why they are on my credit and they are required BY LAW to send me written notification of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately. 

XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Credit : {$180.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00}
Product: Debt collection

I bring to your attention a deeply concerning experience I had with Honda customer service while attempting to address a serious matter regarding the requesting and confirming the correct address to invoke my arbitration clause for my XXXXXXXX XXXX XXXX 

On XXXX XXXX XXXX, I contacted Honda customer service to request the correct address for submitting a formal demand for arbitration, as required by Section 26 of my lease agreement. Instead of providing me with the necessary information, I was met with threats and intimidation, being told to borrow the money or face repossession. This conduct was both alarming and unprofessional, and it did not align with the standards I expect from Honda. 

Given that these calls are typically recorded for quality assurance, I kindly request that the recordings from these dates be reviewed to verify this inappropriate behavior. I believe it is crucial to address this internally to prevent similar situations from happening to other customers. 

My vehicle was repossessed the next day on XX/XX/XXXX in an unlawful manner, and the customer service experience has only added to my concerns. As I rely on my vehicle for XXXX XXXX XXXX related to an XXXX, this repossession has caused significant disruption to my daily life.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made inquiries into my credit profile, inquiries that were not authorized by myself and after sending a letter to the company, they were not able to establish a permissible purpose or furnish a signed authorization by me to run my credit XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XXXX XXXX  XX/XX/XXXX All was unauthorized hard inquiries by law hard inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.