23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has violated my rights 15 U.S.C 1681 section XXXX states, have rights to privacy. 
15 U.S.C 1681 Section XXXX Section XXXX, It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c ( a ) ( XXXX ) 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 XXXX crimes which antedates the report by more than XXXX years, 15 U.S.C 1681s XXXX ( A ) ( XXXX ) 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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the account was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$23.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

On XX/XX/XXXX, My XXXX XXXX XXXX daughter opened the door and was handed a paper. When she asked what is it he said he is unsure and left without a signature or verification of whom he handed the paperwork to. I looked at the paperwork and it says I am being sued by a debt collector I never heard of before Jefferson Capital Systems and an attorney named XXXX XXXX XXXX. Suing me for a XXXX XXXX  that was wrongly taken out of my possession in XXXX from XXXX XXXX XXXX. My truck was paid off, I spoke to a rep that clearly stated I paid over XXXX for the truck and she didnt know why they were saying I still owed payments, There were payments missing and no one could explain where my money was going. I requested that they review my phone calls for each time I called in to make a payment. She said she would email me some paperwork showing the truck had been paid off once, and then payments just disappeared. Once I received the email and tried to reopen it to save it, it was no longer available, and a few days later I walked outside and the truck was gone. When I called them they said I would have to pay over XXXX to get it back. This company completely ripped me off, stole money and truck from me. Each time I tried to call them after that I would always be placed on long holds and no reply. I never heard from them again. Now almost 4 years later this collection agency that I have never received any communication from is trying to sue me over a janky company that steals money from people. I wasn't able to verify or validate anything before they decided to sue me. I don't know if they are able to legally collect this alleged debt or if they are trying to steal from me like XXXX XXXX XXXX. I feel completely violated and harassed and this doesn't look good on my profile. Debts are supposed to be validated and verified BEFORE they are allowed to sue you, according to new laws they aren't supposed to try to collect at all. They are not the original creditor and just trying to find a way to get money off of a scam. They didn't properly reach out to me beforehand because they know this debt is not owed and tried to find a illegal way to obtain money.
Product: Credit reporting or other personal consumer reports

15usc 1681 In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 Section 602 A. states I have a 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 card

I have an account with Capital One, a XXXX credit card. A fraudulent charge has been applied to my account and this was done on XXXX XXXX, 2015. I disputed the charge with Capital One and they sent me some illegible information provided by the company that placed the charge, XXXX. The bottom line is that I never gave XXXX permission to charge to my Capital One account, but Capital One is saying someone gave my credit card number to XXXX. Capital One says it was XXXX, and XXXX says it was Capital One. Again, I never authorized this charge or provided my number.
Product: Credit card

XXXX we booked a condo XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX, XXXX XXXX. Total cost was {$1600.00}. The condo was uninhabitable because of a car alarm blaring outside our bedroom window, within 10 feet, every 5 minutes the entire time we were there. XXXX XXXXXXXX XXXX police were called. The police talked to the host and found the host to be unhelpful. The host did not know who the management company was for the XXXX XXXX. The police were not able to identify the owner of the vehicle or tow the car without the property management permission. We needed to leave and got a hotel room on XX/XX/XXXX. Called and made a complaint to XXXX. I needed to call 3 times and explain the situation. I have not heard back from XXXX. 

Chase Reserve Credit Card- Called to dispute the charge. Explained the issue and was told that since we checked in and it was non-refundable at that point, they refused to issue a charge back. Not sure how we would know that there was an issue without checking into the unit. I would like to have Chase chargeback XXXX since we have not been able to get a response from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXX  XXXX  XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE XXXX CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!! 


RESPONSE DISPUTE! 

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT IT IS NOW XX/XX/XXXX XXXX XXXX more than 30 days!!! 

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Prepaid card

XX/XX/2023 I called American Express XXXX times. Each time was after a failed transaction at a different merchant who said that they accepted American Express payments. The card was declined after each merchant attempted to swipe the card at least twice. The places I went to were a XXXX gas station, a local tobacco shop, a XXXX XXXX restaurant, and a XXXX XXXX XXXX XXXX restaurant. 
Each American Express representative that I spoke with stated that the payment was declined for my own protection and to go somewhere else and try using the card. I did. This did not work any of the times. They mentioned to try at a XXXX or XXXX. 

XX/XX/2023 I went to XXXX and tried to purchase a pack of gum for {$4.00}. My gift card balance is currently {$200.00}. The transaction was declined. I called customer service while walking through XXXX with my family and they said to wait XXXX minutes and to try again. Again, they said the reason for the decline was for my own protection against fraud. I waited at least XXXX minutes and tried to make a {$39.00} purchase. The transaction was declined again. 
I went to an XXXX who also accepts American Express and tried paying for my familys dinner. The price was {$45.00}. This transaction was declined. I called customer service and they said the transaction was declined for my own protection and to try at another merchant. 

Finally I called customer service and they gave me the same reasoning. This gift card is virtually worthless and useless and American Express refuses to do anything to help me use the funds that were gifted to me.
Product: Vehicle loan or lease

I got a car loan from Consumer Portfolio inXX/XX/XXXX at an interest rate of 16 % for 6 years. On XX/XX/XXXX I requested tow payments be extended at the back of the loan, but the company extended my loan untilXX/XX/XXXX, which is basically another year on the loan.

Also, I notice different dates that my interest rate goes up, or isn't applied to the loan but only the interest. I have had this car for 5 years and the loan has only went down XXXX. Which almost 19K went toward the interest.

Inquire as to the interest rate being applied in various amounts over the course of the loan and some months no interest was applied at all.

Inquire as to the XXXX that has been paid in interest.

Inquire as to why the amount applied to the principal is only around 5K over the course of 5 years.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally I found out because i was trying to buy a house and now I know that I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX is a collection agency that is based out of Georgia who do not have a state license or registration to do business in the state of Texas where i reside, and they place me in collections. They don't have the right to do business in the state. My account number is XXXX.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit card or prepaid card

I gave chase my bank account number to pay my bill and they wouldn't accept it, they told me they had a different number with my account. It turns out they were charging another member at my bank. I dont know how this happened, my bank told me they had no idea how chase got the other members account number. I had to reimburse the other member. My bank told me that it was an error on chase 's part. I talked to chase and they acknowledged their mistake but told me they couldn't remove the missed payment from my credit report. They told me to dispute it on my credit report if it showed up. I tried multiple times to make a payment after my automatic payment was returned on XX/XX/19. They wouldn't accept my attempts to pay. They corrected the account number for future payments but that's it. I really need this resolved as I'm trying to build my credit. I never wanted to miss a payment, it was their mistake.
Product: Checking or savings account

I sent a wire from my checking account with Citibank to XXXX XXXX. It did not reach my account so they had me recall the wire. They said they successfully recalled the wire but did not know how to get the money back to me because my checking account was closed. They researched it and said they would mail it. They never mailed it. I called back and they said they cant mail checks. 
They told me to go to a local branch. There is not a Citibank in my town so I called one in XXXX and talked to a manager named XXXX and he said he would take care of it on XX/XX/2021. 
Nothing was done and I received no callbacks from anyone and I called the bank again and he will not return my call for some reason. I messaged the bank and the clerk told me to call the wire department which had told me they cant handle it but I called them again and they just put me on hold three times and never answered. The wire was for {$1500.00}. Tracking number XXXX City reference number XXXX XXXX On my account that was closed the account number ends with XXXX and my debit card ends with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have continually requested information concerning Nationstar. Mr Cooper regarding ssues with payment processing, unauthorized withdrawals in the amount of XXXX dollars and most importantly agreements to terms of loan as we never intiated, signed, or even aware of how loan ended up in the hands of this XXXX awful mortgage company, as we were initially doing business with XXXX XXXX. When You notify NationStar of their fraudulent behavior they make threats and negatively and fraudulenty report to creditors, causing great consumer harm. It is amazing that this company has been sued by multiple people as of recent and still allowed to do business.
Product: Debt collection

Ive had several issues with Carter Young agency. About a year ago, I received a mailed letter saying that a payment of {$1000.00} needed to be paid to remove this account from my credit report. I did not agree to pay this amount because I dispute all charges in connection with this account. I asked for a letter or validation instead. Upon asking I recieved a letter saying that {$2600.00} is owed with a list of charges but NO signed agreement. Keep in mind that I never had any agreement with this company. Ive asked for a written agreement on several occasions and have only received a list of charges totaling to {$2600.00}. About a month ago, I offered to pay {$200.00} to have this issue resolved. I do not owe them any money and refuse to pay {$2600.00} that I dont owe but wanted this removed. I called the agency about a month ago and spoke with a representative about this alleged account. The representative informed me that they will not accept the {$200.00}. She went on to say that she will accept a payment of {$2600.00}. I asked why the balance had changed from {$1000.00} and why the account is only showing on XXXX. The representative said Carter Young can change the debt to whatever they choose when they choose. She said they were running a promotion that made the balance {$1000.00} and whenever they decide to create a promotion they can. She informed me that I can either pay the {$2600.00} or continue to see the account on my credit. It doesnt hurt them, its my credit and Im the one who wont qualify for new credit lines. She said that if Carter Young decides to report the account to the other bureaus next month. I will have to deal with the impacts of not qualifying for a home not Carter Young. I am disgusted with the way I was treated as a consumer. It appears they feel as if in addition to them falsely reporting this debt, they can change the balance whenever they like. Not to mention, the threats of not qualifying for a new credit line to intimidate me into paying this unverifiable debt. They have no disregard to the way this debt continuously shows on my credit report. Now I am attempting to resolve this matter yet again. This debt is being unlawfully pursued by a company who can not verify or validate this debt and feels they can make their own rules at the my expence. According to the Fair Debt Collection Practices Act FDCPA I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry o your collection activities. As per an opinion letter published by the FTC reporting this collection is considered as unlawful collection action. In addition, debt collectors can not threaten consumers or intimidate us.
Product: Payday loan, title loan, or personal loan

My bank XXXX is apparently not allowing me to use the earnin app and after talking with both them and earnin customer service both are unable to resolve this issue and I want to be able to use it
Product: Consumer Loan

XX/XX/XXXX I asked for hardship assistance with my car loan. I was told to make an XX/XX/XXXX payment and then we can apply me for a deferment to assist me. I did that. I never received deferment papers as promised. I am requesting a two month deferment on my loan to get caught up. My fiance ( also on the loan ) lost his job XX/XX/XXXX. He did not regain employment until XX/XX/XXXX. He has maintained that job and I would like to get caught back up. I just spoke to Gateway ( supervisor XXXX ) who refused my payment arrangement of {$500.00} on XX/XX/XXXX my next pay date. I have to pay my rent with this check that I just received as my rent is due on XXXX with no grace period. I explained the situation and was willing to add on {$100.00} to each payment but he refused my arrangement. They want a payment today or they are threatening to take the vehicle which will only further complicate the situation as my fiance will lose his job. He has to have the truck for his employment. All I was asking for was 11 days. Also, it should be noted that their website is not user friendly and to find the log in screen, I had to be guided just now by XXXX. I thought there was only a payment option ( one time ). I had no idea I was this far behind on the loan. It has been a nightmare dealing with Gateway. They do not have friendly hardship assistance for customers. Why just because I have a subprime loan are they making it harder on me? I feel like this company is benefiting from taking back vehicles from customers. They are being unfair and it was deceptive that I am just now finding out I am 3 months behind on this loan! I have received NOTHING by mail alerting me to this fact either! Normally you would at least get a notice by mail ( certified mail ) that your vehicle is about to be repossessed. I need help in dealing with this poor loss mitigation practice. A two month deferment would get me back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have Items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Back in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Department called me regarding suspicious fraud charges on my account # and I confirmed the following as fraud. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX When I received my statement, they had reversed a charge that was actually legitimate and I immediately advised them of same. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX After numerous phone calls, and a letter written in XX/XX/XXXX, this still remains unresolved and I am making payments and incurring interest to date. At this point, they owe me money. 

My Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Checking or savings account

I have a checking account with BBVA Compass and they are CONSTANTLY charging me excessive overdraft fees. I have paid a few thousand dollars JUST in fees because they often are slow with my deposits showing up and the money shows up as not being there. I am not even enrolled in any kind of overdraft programs and I specifically asked not to be added. I would like a refund of as many of these excessive overdraft charges as possible.