23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A deposit was placed on my account for {$280.00} by XXXX XXXX ( a rental car on vacation in XXXX, XXXX ) on XX/XX/2023. When I returned the rental car on XX/XX/2023, XXXX XXXX canceled the deposit and assured the hold would fall off my bank account in 3-5 business days. Despite providing proof ( receipt with authorization code ), Chime ( XXXX XXXX XXXX ) still has not released the pending transaction back to my available balance as of XX/XX/2023. They have given me different answers at every turn, including that it would post back to my available balance within 7 days ( already past ), that rental car deposits take up to 30 days to expire ( but this one was canceled ), that they would confirm the cancelation with the rental car company and return the funds to my available balance the same day ( this did not happen ), and that they can't contact the rental car company because it is not in the US. At their request, I emailed the original deposit receipt and the deposit cancellation receipt ( with authorization codes ) three separate times. Every person I talk to gives me a different answer or just hangs up on me. I spoke with the rental car company again and they assured me that they confirmed with their bank that the deposit was canceled on XX/XX/XXXX and that there should no longer be a hold for that amount on my bank account, yet Chime refuses to release the funds back to my available balance, contact the rental car company to confirm the details, or provide any resolution.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 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.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately
Product: Debt collection

I was a tenant at XXXX XXXX XXXX  in XXXX, AZ from XX/XX/XXXX to XX/XX/XXXX. The parent company XXXX contacted me 14+ months later, informing me I owed for unpaid co-op utilities & a cleaning fee. I requested documentation of their claim & did not receive it. They told me they have a " ledger '' & it shows the bill, yet this had no verifiable information only typed dollar amounts without my name, no apt , no dates, nothing. The cleaning fee was based on someone's opinion & I received no itemized breakdown. XXXX sent me to collections 2 years & 8 months after I moved out. The collection agency 's answer & reason for the LATE bookkeeping of {$350.00} due, was Covid-19,  according to their rep. I had a forwarding mailing address, the same phone # & email. My daughter who was also on the lease & present for the move-out, rented from XXXX in XXXX, AZ & after a year received her security deposit back. XXXX had access to both of us. The collection agency highly & negatively impacted my credit score, which was XXXX away from an XXXX XXXX
Product: Credit card

I am a Chase Sapphire customer and have largely been happy with the service. The rewards program has been fair through most of my XXXX or XXXX  years using it. 

Ive booked flights and hotels through Chases Rewards program and the prices have been fairly close to or the same as what I could find elsewhere. Recently I looked at staying at XXXX XXXX XXXX XXXX XXXX in XXXX for XXXX people and noticed a concerning discrepancy between Chases price and other rates that were readily available to me. For a XXXX XXXX XXXX room XXXX nights stay is listed at {$2100.00} through XXXX rewards portal but is {$1800.00} through the hotel directly and through XXXX. 

As I understand it, the value of these rewards points works out to about XXXX % of purchase total. If, when I go to use them, my only option is to book heavily marked up rates then what is the true value of the point system? What is this markup for and why is it not clearly disclosed? If the practice is hidden in the terms and conditions, its strategically left off marketing materials and even the easily navigated parts of the app UI. In my brief searching, I simply could not find where Chase notes that prices listed in the rewards portal are subject to any commission-like surcharge on top of best available rates. 

I want transparency from Chase in how this rewards system is presented and I want a points valuation thats accurate to how the system is presented to customers.
Product: Credit reporting or other personal consumer reports

my personal address and employment on my credit reports are incorrect and must be changed. it reflects wrong information PLEASE REMOVE ALL OTHER ADDRESS OFF MY REPORT AS THEY ARE NOT DELIVERABLE TO ME BY US POSTAL OFFICE ANT THEY ARE NOT REPORTABLE PER FRCA SINCE THEY ARE INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax concerning a bankruptcy that they have placed on my credit report. They contacted me and informed me that the information was verified with a third-party company named XXXX XXXX XXXX. This XXXX XXXX XXXX sells consumers information for a profit. So they are not concerned about the accuracy of the information that they supply. 
Equifax has not properly verified the accuracy of the bankruptcy that they are reporting in US Bankruptcy Court-XXXX. Equifax did not get this information from the courts. I contacted the courts and they told me that they never gave Equifax any information concerning me. 

So unless Equifax contacted the court-get the name of the person with whom they spoke with, their proper identification number, the date and time in which they spoke with a person and what was told to them-proof that they did indeed speak to someone at the court to verify the information that they are reporting against me, then this must be deleted from my reports. 

Using a third-party company that is selling consumers information for profit is not proper verification. 

Please delete this information from my credit report if you are not able to properly verify the information through the courts.
Product: Credit card or prepaid card

Credit card agent called me on overdue bill which I paid on the phone with agent then he convinced me to change my credit card bills from paper mail billing to online billing.I explained to him that I am a XXXX  citizen and not computer savvy and he then went on to convince me to sit by my computer and walked me through the process of converting the payment from mail billing to online.With my XXXX  moments I totally forgot about the payment change and as I always do wait for my mail to pay my bills.No bills arrived in the mail and I received a phone call 3 months later that I owed approximately {$1500.00} on credit card which was a bill from 3 months ago since I did not use the credit card in the past two months. 
I told the credit card representative I want to pay my bill but I need to see a copy of the bill to verify the charges. The agent said they will send the bill by mail and 2 weeks later I received the bill in the mail and called immediately the credit card company to pay the bill.At that time the agent told me the credit card was cancelled and all my points accumulated over time were removed and there were fees and interest charges on the bill as well as a yearly credit card fee. I explained that I havent received a bill in the mail for these charges and the agent said you needed to go online to see the bill. I told them I am not computer savvy and dont know how to get my user and password and the agent confirmed that I never opened the online account since it was opened with the original agent on the phone. 
They claim I opened the online account on my own without any assistance of their agent which is a complete lie and they deny their agent had anything to do with my opening the online account.They claimed to review the telephone recording and I would like to hear the telephone records of the complete conversation with the agent in XX/XX/2022 when I paid the credit card on the phone with the agent and then he convinced me to change the billing information to online and had me sit in front of my computer and walk me through the whole process to change the account from mail billing to online.
Product: Credit card

I have a credit card account with Capital One. In XXXX of this year my balance was {$240.00}. Now in XXXX the balance is {$820.00} This is impossible. I have not used this card in 6 mos.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/XXXX and XX/XX/XXXX by : XXXX/XXXX XXXX XXXX
Product: Debt collection

Speedy cash sold my file to XXXX XXXX XXXX XXXX. This was paid and has been disputed with XXXX XXXX several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting
Product: Credit reporting or other personal consumer reports

There are several bogus accounts on my credit report. I am attaching the letter sent to credit bureau for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since XXXX has no license in my state, the loan contract I have with them is not valid. They also subsequently changed the terms of the loan agreement on XX/XX/2017 without receiving my affirmation of the changes. I am hereby requesting they remove any and all reporting they have made to any applicable credit bureau. The basis for their reporting is not valid.
Product: Vehicle loan or lease

I have had a loan with Ally for a about a year and a half. During this time i have only been able to make about XXXX payments on their website or mobile app. I have call and complained many times that i have not had access to my online account and every time they say it will be fixed in XXXX weeks. The issue with my account is still an issue today. I have been forced to make payments over the phone and pay a {$4.00} fee every time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ActXX/XX/XXXX ; Account : XX/XX/XXXX XXXX - XXXX, Account : XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XX/XX/XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, Account : XXXXXX/XX/XXXX, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XX/XX/XXXX( XXXX XXXX XXXX XX/XX/XXXXXXXX Account XXXX XXXX (XX/XX/XXXX XXXX XX/XX/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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

XXXX sold XXXX coin at inflated rate and didn't allow users to sell or convert their assets by freezing their money ( while the coin was crashing ) over XXXX users were involved in the same issue. They kept our money hostage for over a week now without any explanation
Product: Payday loan, title loan, personal loan, or advance loan

a southern finance called me and doing further research i learned they are involved with a Covington credit who is reporting errors on my credit report convington credit was told not to contact me or any of my so call references but yet you guys call me a couple days ago my lawyers will be in touch like i told you times before i have nothing for you people and also stop sending my information to other people i have people in texas emailing my ex wife on XXXX saying they are receiving my mail
Product: Credit reporting, credit repair services, or other personal consumer reports

Are unauthorized inquiries that hard to remove from a consumer 's Credit report? The Credit Bureaus have been neglecting their duty and have failed to comply with the FCRA section 605b and continued reporting the inquiries that I never made nor authorized anyone about these inquiries. I already sent twenty-six dispute letters to the Credit Bureaus requesting that they remove these inquiries completely from my Credit file. Upon reviewing my updates, these unauthorized inquiries are still being reported on my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/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 : XXXX Account # XXXX -Account : XXXX  Account # XXXX -Account : XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX  Account # XXXX -Account : XXXX  XXXX Account # XXXX -Account XXXX XXXXXXXX Account # XXXX -Account XXXX XXXX Account # XXXX -Account XXXX XXXX XXXX Account # XXXX -Account XXXX XXXX XXXX Account # XXXX -Account XXXX Account # XXXX -Account : XXXX  Account # XXXX -Account : XXXX XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX  Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # 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. 16815-2 ( 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

Midland credit management sent a collection letter stating that a judgement had been entered against me when in fact there was no court hearing for a judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/2017 Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violating 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