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

I am disputing the presence of unauthorized credit inquiries on my credit report. Several inquiries were made in violation pursuant to Permissible Puruse 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and without my consent or knowledge, which is a violation of my privacy rights and may negatively impact my creditworthiness.

I have not provided authorization for any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. These inquiries were made without a permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and under section 604 of the Fair Credit Reporting Act ( FCRA ). 

I request an immediate investigation into these unauthorized inquiries and their removal from my credit report. Kindly update my credit report accordingly and provide me with an updated copy once the necessary modifications have been made. 

The unauthorized credit inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect a prompt resolution to this matter in compliance with the FCRA, which stipulates a response within 30 days from the receipt of this letter. 

If you require any further information or documentation from me to facilitate the investigation, please contact me at the phone number or email address provided above. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the necessary diligence and professionalism.
Product: Checking or savings account

My Chase debit account was charged charges totaling XXXX along with exchange rates since this fraudulent charge on my debit card was international. When I checked my account on XX/XX/XXXX at around XXXX XXXX, I saw that I was negative XXXX - XXXX dollars and saw 17 charges on XXXX dollars from XXXX. I live in XXXX and have no contact with anything in XXXX. I immediately called chase and the agent told me to wait 2 days until the pending charges went completely through so that I could file a claim for them. After 2 days, on the XXXX, I filed a claim to get the money back. On Monday, I called chase where they tell me that the claim has been denied. Apparently, they say that a card was approved from an access code that was sent to my device. The device in question is almost always turned off and I did not give anyone an access code. I told them to please reinvestigate since I am not at fault here and I need my money back. After calling every day since that Monday the XXXX, today the XXXX, they tell me that my claim has been denied again. This amount is half my paycheck and has made me struggle with other debt I had to pay off.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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: Credit card or prepaid card

I booked a trip through my Amex Platinum card on their website XXXX, beginning on XX/XX/XXXX for 7 days. The trip included a hotel and airfare as a package. The portion of the trip that is affiliated with the complaint is XXXX, the hotel portion of the trip. The hotel is extended stay in XXXX  XXXX. 

Due to circumstances ( father is on lXXXX XXXX, XXXX from XXXX XXXX ), I didn't make to the hotel until the morning of the XX/XX/XXXX. They told me that my stay was cancelled and I can't get a refund. I had to stay so somewhere so I booked another stay at the same location. 

I called AMEX to get a refund, but they said the contract states the hotel can cancel and keep your money if you don't check in by XXXX. They called numerous times to work something out with the hotel, but they eventually stopped answering the phone because they knew Amex was calling on my behalf. 

Now, this policy WAS NOT forwarded to me. The two Amex representatives I spoke with said the reason why I didn't get the cancellation policy in my email was because I BOUGHT IT AS A PACKAGE. And that had I bought it separately, I would have received the information regarding that cancellation. How is this fair? 

Amex and extended stay both aren't doing anything. Can you help?
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX bal. {$7700.00} XXXX XXXX XXXX {$5800.00} XXXX
Product: Debt collection

there is a medical bill on my XXXX credit reporting from XX/2012 a medical bill from XXXX XXXX  XXXX. I filed chp XXXX on bankruptcy and this debt was included in that bankruptcy. direct management is still trying to collect money from me for this debt but yet it has been validated and confirmed that this debt was included in the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I disputed a collection account. XX/XX/22, Experian closed the dispute stating verified and updated account. I was never provided with any information that was verified! I have no knowledge of this account or creditor!
Product: Debt collection

Debt collection agency attempting to collect a medical debt that was paid in full by automobile insurance and fraudulently reporting debt to major credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act 15 USC 1681.I have the right to privacy. Also according to 15 USC 6802, No financial institution is suppose to share information to third party people.

These are clear violations of my federally protected rights.
Product: Credit card or prepaid card

I have submitted a dispute over a transaction back in XX/XX/2018 in regards to a transaction appearing as XXXX XXXX XXXX. This is an online merchant gaming website. There was several issues with the use of there website, I have supplied screenshots of the errors. I have also supplied sufficient documentation regarding the reason for dispute as well including a statement from me why this transaction should be disputed. I have also sent many messages to Capital One between me and the merchant. I have supplied Capital One with ALL needed docs to process this dispute request. I have never been able to resolve this issue with the merchant nor Capital One. I have also made a request to have this dispute re-opened by a manager and he stated he will do it. Well shortly after I received a call from Capital One stating they had to close the dispute. This was not handled right at all.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

A letter was received from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX This reports was sent from Experian. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Showing my credit score, I did not request this report. hence individuals are applying for Credit and loan in my name Please inform then to cancel all credit card or credit reports or loan done due their research of my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

written in and spoke to numerous call center representative to address accounts/information that is reflected on my credit files that do not belong to me have completed and submitted police reports and ID Affavaidts to support claim of no ownership of the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX these accounts are not mine and are invalidly reporting on my credit file
Product: Debt collection

I had a XXXX on XXXX XXXX 2011. I was put in an XXXX for 7 days and received excellent care. 

Well, the bills start rolling in. I get a XXXX dollar bill from the hospital, and almost have another XXXX XXXX ( XXXX XXXX ). Because being retired military I thought I was covered. I went to my XXXX office and they laughed ... and so did I after they told me what my responsibility was. 
I then paid my deductibles in full ... thinking that my financial responsibility was fulfilled. Then, after the XXXX I personally hired a credit agency to monitor my credit, and I received a notice that a collection was filed against me by the XXXX XXXX XXXX XXXX XXXX XXXX that was being collected by Business Professionals ( BP ) XXXX 

After contacting BP XXXX I found out that the original billing company did n't have my insurance information and they said the original creditor ( XXXX ) did n't have access to my information in time to file a claim due to HIPA laws. But my insurance XXXX XXXX XXXX says that my only responsibility is to provide my information to the XXXX hospital, and it is the billing agency 's responsibility to garner that information from the hospital. After I came home from the hospital, I made my insurance information readily available to anyone who contacted me, and I paid my co-pays in a responsible manner. 
Now, the collection agency is telling me that I am responsible for the entire bill, even though the agency that supposedly is billing me has no record of my care, account, or even billing me at all. I feel this is unfair and borderline corrupt. If the original agency can not even reproduce an account or bill that they sent me, how can I tell if this an actual debt?
Product: Mortgage

Ocwen reports that I own them {$3400.00} in " Past Due Payments ''. History recorded below : INDYMAC sold my mortgage to Ocwen in XXXX 2014. INDYMAC told me to send my check to Ocwen, which I did on XXXX XXXX, 2014. Ocwen sends me my next statement dated XXXX XXXX, 2014, telling me my mortgage payment is due XXXX XXXX, 2014. I call Ocwen, and they just tell me the due date can not be negotiated, and that my next payment is due on that date. I sent a certified letter, no response. I tried several more times, but no response. I have been late ever since. There was no way I could turn another mortgage payment around in 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I received an e mail from Citizens One stating that I owed them money for something called XXXX XXXX XXXX I called attorney general office in West Virginia where i live and they told me to disregard it. I have applied for no loan at this company. So every month I would receive e mails and i did not open just deleted. After two months I received another e mail for more money so i checked my credit report to make sure this was not on it. It shows on my credit report and past due amounts. Last e mail i received that i opened says i owe XXXX by XX/XX/XXXX. I called citizens on they are affliated with Citizen Bank in Rhode Island. When i called Citizen One they wanted my social security number and date of birth which i told them if i supposedly had a loan they should have it and did not give it to them. They said they were going to put fraud on account and would send out papers to fill out in next 2 weeks. I contacted all three credit bureaus and put freeze on all three. I called Citizens Bank to check to see if I had loan there since they are together. They said no. This was all done on Friday XXXX. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries thatappeared on my credit report. Despite my multiple attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have been experiencing poor communication methods from this debtor.i was at one point on time with all payments and using auto draft. This company has shown to be very difficult to communicate with and very nonprofessional. 

I had asked them to stop contacting me at work which didn't stop. They have called extended family and friends who don't know me well without authorization. I never gave these people as a reference. That's embarrassing. 

XXXX XXXX who is the primary caller, always threatens to garnish my wages on every conversation. On XX/XX/XXXX XXXX stated that the authorities of XXXX co had already been contacted and papers were filed to serve me. So of course out of nervousness and not wanting to hurt my employment, I asked what could we do to catch up the debt and get on a plan. She said she didn't what she could do but that I needed to pay the past due amount of {$1200.00} before anything else could be done. 

Once I shared that I would talk to my husband and see about paying the past due XXXX went back and forth on whether or not papers had actually been filed. At one point she said. " I can't tell from the notes if it has actually been filed ''. Her whole reason for calling me was to tell me that I would be served by police officers at work. She knew that calling my job was a huge concern and I believe she used those comments as a threat. When asking another member, they stated that no papers had been filed and that wasn't the process. 

On XX/XX/XXXX I gave authorization to draft 2 payments. One on the XXXX for {$600.00} and one on the XXXX for {$600.00}. This would help to catch up the past due. At that time I authorized to autodraft {$430.00} a month moving forward but I asked for them to draft biweekly on my payroll dates as they used to. 

On XX/XX/XXXX they completely overlook my payment arrangement and drafted a 3rd payment of {$600.00}. When I contacted them to dispute I shared that I would be disputing with my bank as they have charged me to overdraft with my account as a result of their unapproved charge. There are two problems : unauthorized amount and drafted on unauthorized date. 

After submitting an email explains why I disputed once again XXXX threatens with garnishment. I shared with her that I was trying to pay my debt down. 

I have not heard back from her with regards to a payment plan. In XXXX the company Patriot Finance has pulled my credit report for the second time without permission. 

This debtor has been very difficult to work out an arrangement with. Their practices are unruly and unprofessional. I should t feel frightened that police are going to show up to my job. That makes me fearful of losing my iob
Product: Checking or savings account

this company against J.P chase bank. about returned items stem from a order that the court place on my wife account back in XX/XX/2019 account end in XXXX. some time on or aboutXX/XX/2019 chase make a statement the federal/ state law required us to place a hold on your chase account which may include the deposit box ( es ) at no fault of my wife. and I did not have no account with chase bank.never have no check with them, dose that time the hold was place on her account for a number of month cause a number her items to be returned back to her creditor. on XX/XX/2019 the hold for XXXX was Dismissal of Garnishment. and remove. I do not have personal check with chase bank my wife have an account, with chase bank, it was a big mistake on the court to place that order hold on her account. now XXXX XXXX   have place information on my credit history and that is wrong in so many way, because of this court order. and chase was knew are should have known that I did not have account with them. chase need to notify this company XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX and correct this mistake asp and remove. chase have these information they should not have report this information in the first place, it was wrong. my wife own the account and there is no judgment against her. but chase place it on her account they need to make it right because they cause all of the returned items to be returned. the court dismissed the order. but to lest. if not i.am going to suite for chase damage my name and my wife.
Product: Credit reporting or other personal consumer reports

I have contacted Chase Auto and JP Morgan Chase Bank NA Secured Part since XXXX Regarding their reporting inaccurate information on my credit report and every since XXXX I have been requesting by Phone and by mail a 1099C since they have been reporting on all three credit reports that this account is has been Charge - off. This account has been deleted and reinstated without contacting me to let me know that it was being reinstated according to the FCRA laws.

On my credit reports, they are reporting a repossession in the year XXXX. They also are reporting repeated charge-offs in XXXX. They are also reporting repeated repossession in XXXX to the XXXX account. I have contacted all three credit bureaus, regarding the same issues and their reply would be, that they have verified the account as accurate. which having repeated charge-off and repossession on your credit file is illegal and damaging to your creditworthiness. According to the FCRA, all these companies that I have named above violate these laws. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) Expedited Dispute Resolution 15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes.

15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA.

26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices.

26 U.S.C. 6050P : This statute mandates that canceled debts of {$600.00} or more must be reported to the IRS, and I should be furnished with a 1099-C form as evidence of this.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes, in light of the rect CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my finical institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is not acceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

My husband was contacted by phone this morning by a representative of Diversified Recovery Bureau who purchased my debt from XXXX XXXX. My husband and my finances are separate I never list him as a contact on any financial documents. The lady that called his phone asked for me he advised her that he was at work and I was not with him that she should contact my phone. She proceeded to tell my husband that if he provided my date of birth that she could tell him what is going on. He declined and advised her that it was none of his concern and that he should contact me. The lady proceeded to ask my husband " dont you want to know whats going on? Thats your wife? '' He again advised that it was none of his concern and that she should contact me and hung up. I am well aware what she did is unprofessional and she was wanting to provide my private information ( my husband is nowhere listed on the loan, neither as a co-signer or someone obligated to pay my debt ). I contacted the company and requested to speak with a Manager. I do not feel like this helped. If this is the way they are doing business they are violating my privacy rights, and who knows who else they have done that to and they are not aware it is lawful.
Product: Checking or savings account

My XXXX account was somehow hacked and multiple large transactions were made using my debit card. All but one were caught in time and denied ; I disputed this one fraudulent charge that did go through. 

XX/XX/XXXX charge to XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ( ... XXXX ) for a debit of {$650.00} I immediately disputed this with my bank, Chase. 

XX/XX/XXXX Reversal : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ClaimId : XXXX ( XXXX XXXXXXXX ) for credit of {$650.00} Today, there is a pending charge on my Chase checking account for a reversal of the reversal. 
XX/XX/XXXX CLAIM REVERSAL : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX CLAIMID : XXXX for a debit of {$650.00} I first called Chase to ask them about it, and they said the investigation was concluded and that both XXXX  and this " XXXX XXXX '' merchant provided proof that the transaction was valid- which is impossible since it was fraudulent. They told me too bad, out of their hands, and to call XXXX. 

I called XXXX and was told emphatically that they had refunded my debit card {$650.00} on XX/XX/XXXX at XXXX EST. 

I called Chase back and told them this, and they swear they have no record of any such transaction, and they also said that XXXX had already told them in their " investigation '' that the charge was valid. So someone, somewhere is lying to me, but I have no way to get to the bottom of this. I am stuck between these two big companies who keep trying to send me back to the other one, and I don't have any other recourse to recoup my stolen money. I hope you are able to help me with this because these two companies are completely unhelpful.