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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS INFORMATION DOES NOT BELONG TO ME. PLEASE DELETE FOR INACCURATE REPORTING. ONCE YOU HAVE FINISHED REQUEST PLEASE SEND ME AN UPDATED CREDIT REPORT REFLECTING MY REQUEST
Product: Checking or savings account

I use HSBC services. on XXXX XXXX XXXX a PREAUTHORIZED payment of {$29000.00} XXXX  was made to an unknown amount in XXXX extracted from my SAVINGS account. I called the parties involved ( HSBC & XXXX XXXX ) ; HSBC told me they didnt know to whom this payment was sent to and asked me to contact XXXX, while XXXX said they can not do anything if i am not a customer of theirs, and that I should talk to HSBC.I have never in my life preauthorized such a payment nor have i used XXXX XXXX XXXX before. 

Please help, this is almost my entire savings thank you
Product: Credit card or prepaid card

I didnt have enough money on my card to rent a car. I added {$500.00} to my card at the airport to rent a vehicle. After two hours the the money wasnt on my card balance so I canceled the transaction. Capital One on Monday added the {$500.00} to my balance and now I paying back the money to Capital One but I never got benefit of my money. When I canceled the transaction my money went back into my XXXX  account Capital One is charging me {$500.00} as if I used {$500.00} of credit on my card. I never got benefit of my money. They didnt give me {$500.00} nor did I use my card to get money from them. They charged me money for canceling a transaction and added {$500.00} to my balance sent my account over my limit, and are making me pay for my own money.
Product: Payday loan, title loan, or personal loan

I did not request a credit card from Bank of America. 
I called their XXXX XXXX XXXX  they referred me to you. 
Their number is XXXX. 

I never requested credit from them.
Product: Credit card or prepaid card

AFFIDAVIT I, XXXX XXXX XXXX, solemnly declare and affirm the following facts in support of my Demand for Arbitration pursuant to the PayPal/PayPal Credit/Synchrony Bank User Agreement : 1 . Equal Credit Opportunity Act ( ECOA ) 2. Truth in Lending Act ( TILA ) 3. Fair Credit Billing Act ( FCBA ) 4. Fair Debt Collection Practices Act ( FDCPA ) I, XXXX XXXX XXXX, state under penalty of perjury that PayPal Credit and Synchrony Bank have violated my consumer rights, made false claims, engaged in credit slander, and caused significant damage to my consumer credit, all of which are clear violations of federal regulations. 

Under the Equal Credit Opportunity Act ( ECOA ), Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Debt Collection Practices Act ( FDCPA ), I firmly believe that PayPal Credit and Synchrony Bank have engaged in practices that infringe upon my consumer rights and protections.

1. Violation of Consumer Rights : PayPal Credit and Synchrony Bank have exhibited discriminatory practices, including retaliatory actions against my complaints, and have failed to provide accurate and transparent information about credit terms, thereby violating the provisions outlined in the ECOA, TILA, FCBA, and FDCPA.

2. False Claims and Credit Slander : These financial institutions have falsely reported late payments and collections, which have resulted in significant damage to my credit history and creditworthiness. These false claims not only harm my reputation but also contravene the principles set forth by the ECOA, TILA, FCBA, and FDCPA.

3. Consumer Credit Damage : The actions taken by PayPal Credit and Synchrony Bank, such as the closure of accounts and reduction of credit lines, have had an adverse impact on my consumer credit. These actions have limited my access to credit, negatively affected my credit utilization ratio, and impeded my ability to obtain favorable credit terms, all in violation of the federal regulations.

4. Defamation of Character and Credit Fraud : The false reporting and credit slander perpetrated by PayPal Credit and Synchrony Bank not only damage my credit but also defame my character. This amounts to credit fraud and is strictly prohibited under the ECOA, TILA, FCBA, and FDCPA. 

I, XXXX XXXX XXXX, hereby affirm that the facts are true and accurate to the best of my knowledge. I declare under penalty of perjury that the information provided in this affidavit is complete and correct, and I am willing to testify to the veracity of these statements in any legal proceedings related to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 oXXXX XXXX  convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A.

" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.
Product: Debt collection

XXXX XXXX XXXX placed a collections on my Credit Bureaus without any notification of me having a debt. I was notified through my monitoring system. I called TransUnion about this collections and they advised me that it is a medical debt. In which this company never gave me the opportunity to dispute the debt. 

Under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX or any other Medical Agencies to release my medical information to a third party. 

This is totally hurting my credit report where I am about to close on a home loan. I believe the credit bureaus are intentionally putting collections on my credit to destroy my credit score and prevent me from purchasing my home.
Product: Checking or savings account

I have sustained weather related damage to my home in XX/XX/2022. The insurance company XXXX XXXX XXXX ) has paid for the repairs and has included the name of the mortgagee on the check. JP Morgan-Chase bank XXXX the mortgagee, has received the funds and has placed the funds in an escrow account. 
in a XXXX moment, JP Morgan-Chase refuses to release the funds to me. They stipulate that I fix the house first then they will release the funds. Well, I can not repair the house unless they give me my money to do it. 
I have gone through the process that they have in place but they still do not distribute the funds. JP Morgan-Chase sit on more than XXXX of my money. I am obligated to follow their process but they themselves do not do their part. They know that they are a big financial institution and there is little I can do.
Product: Credit card or prepaid card

I have not received a statement from Chase Bank during XX/XX/XXXX and since. In XXXX XXXX I attempted to submit an address change at the bank 's online site. The bank would not accept the address with a message that it was invalid non-existing. I tried several times but each time the change was rejected. Yet, I had no such problem with any other accounts, including credit cards, financial institutions and utilities. All other companies accepted the address change. So, I called the bank 's customer service. A representative stated that it was invalid, but she could override it and enter the change. Yet, no statement ever arrived even though it should have during the second half of XXXX. After XX/XX/XXXX I again called customer service. I was told that the statement probably was delayed by the XXXX because of holiday volume. Today, XXXX XXXX  I again called customer service. XXXX XXXX XXXX XXXX asked for my address. I gave it. She said that the bank 's records showed a different address. I asked her what address was shown. She said that the bank 's policy prevented her from telling me. I asked what happened to my XXXX statement. She did not know to where it was mailed. I pointed out that the bank obviously entered a wrong address or its software messed up, when I called in my new address. I requested a copy of the XXXX  statement and any upcoming XXXX statement. And, I said that because the bank erred I should not be charged any late fees or interest, especially since I have had a perfect record of paying on time on the XXXX Chase accounts I have. She refused to reverse the interest charges. I then asked for a XXXX. After a half hour on hold, I spoke with XXXX. She blamed me for making typo mistakes. She indicated that I entered my new address incorrectly. She claimed that I never called. Clearly, Chase Bank either lies or has corrupted / missing records. I told her that no other company had a problem with change of address. he dismissed this because she said the bank uses the same system for address changes. Then, why did the bank mess up when no other entity did? Clearly, because its IT is a mess. Yet, she admitted that the XXXX  statement did not come bank to the bank. This confirms that the bank erred in sending it or lies that it was sent, She also said that a XXXX statement was generated- for the wrong address which she still would not identify for me. And, she made it clear that additional late fees interest were added. She refused to reverse the charges caused by the bank 's failures.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$25000.00}, XXXX XXXXXX/XX/XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$7000.00}, XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$1100.00}, XXXX XXXX & XXXX Account # XXXX date XXXX XX/XX/XXXX XXXX {$740.00}, XXXX & XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00} XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXXXX/XX/XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I received an email today from my credit card company that I received a major derogatory mark from XXXX XXXX. I thought it was unusual because I make regular on-time monthly payments for XXXX and then I got another notification email from my credit reporting company, XXXX that my account has been affected. I went to my account and it says that XXXX XXXX put a major derogatory on my account and my credit points went down by XXXX! I never received a single email, phone call, or letter in the mail indicating that I owed them money. This is madness and XXXX needs to be held accountable and I want this to get fixed as soon as possible. I have documents to prove that I am a XXXX customer, and haven't used XXXX XXXX XXXX XXXX! This doesn't make sense especially the fact that they didn't even bother to contact me about this issue. The only thing I can think of is that may have gotten the phone numbers mixed up, and I have also changed my phone number quite a few times. If you need additional documentation please reach out to me and I can provide additional documentation.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. These violations include willful noncompliance, deceptive practices, and improper reporting of my credit information. Specifically, the issues include : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance : Credit information was accepted and reported about me without first verifying its accuracy. This willful negligence is a violation, subject to civil liability of up to {$1000.00} per incident. 

FCRA Section 603 ( d ) ( 2 ) ( A ) - Disclosures of Personal Information : My right to opt out of the sharing of personal information was not disclosed, which is deceptive and violates my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Inaccurate inquiries and accounts were reported without proper validation, potentially breaching Generally Accepted Accounting Principles ( GAAP ). 

Debt Collection Practices Act Violations : Unfair practices, including reporting unverified debts and harassment, caused me undue stress and unnecessary contact from creditors.

Violations of Location Information and Third-Party Disclosure Regulations : Debt collectors improperly disclosed my debt information to third-party credit reporting agencies, violating my privacy rights. 

Timely Payments Reporting Violations : " Late payments '' were inaccurately reported without a clear definition of what constitutes a late payment.

Finance Charge Miscalculations : Finance charges were inaccurately determined, failing in your responsibility as a reporting entity.

Unauthorized Use of My Credit Report : Information was reported without obtaining my written consent, violating the FCRA 's permissible purpose requirements.

Demands for Resolution I demand the following immediate actions : Correct or delete incorrect personal information. 
Validate or remove specific debts and inquiries ( including accounts from XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) if validation is not provided per 15 U.S. Code 1692g. 
Remove all unauthorized hard inquiries that were performed without my explicit consent. 
Ensure 100 % accuracy in the reporting of all accounts across all credit bureaus, as required under 15 USC 1681e ( b ). 
If these issues are not resolved promptly, I will pursue all available legal remedies, including those under the FCRA, to hold responsible parties accountable for noncompliance.
Product: Debt collection

This debt was from XXXX or XXXX, XXXX brought the debt and reported inaccuracies like I defaulted the loan in XXXX, which is not true. I reach out to all credit bureaus to validate this information and inaccuracies. Very the original creditors information they won't even provide the information. They going off XXXX information which isn't accurate. Also I attached how the credit bureau doing validation. I submitted a validation request from the creditors and original creditors on XX/XX/XXXX and XXXX XXXX its back with the information been verified, on what proof.
Product: Credit card

I am a 20 year customer of Dell. I was never late with a payment. I thought I had paid off my computer in XXXX. I got a bill for {$4.00}. I tried to login to my account. I kept getting a message to try later. I want that worried because to my knowledge, I had not made any purchase. On Friday, I got a collection call. The guy was rude and did not explain what why I owed this money. Then, I found out that the {$4.00} charge was now {$140.00}!!! I paid it but he has wrecked my credit. My previous rating was XXXX. I am scared to see what it is now. 
I also have a Talbots  and XXXX card with Bread Financial. This is a scam. Ive never had this problem before!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid in full and they sold to another company and have it as revolving unpaid with balance I paid in full to company that bought it but XXXX XXXX  wont remove the negative item from my account Im trying to buy my home this is one of a few holding me up
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2023 I placed a call to Equifax to correct information being displayed on my consumer report. They willingly and knowingly provided, false and misleading information in regards to their ability to change or correct information that They are ultimately reporting unlawfully on my consumer report.
Product: Money transfer, virtual currency, or money service

Venmo freeze my account saying that I have another account with the same debit card number. Then ask me for my verification ID and a picture of me holding my identification. After they said that they need to further investigating and will need 7-10 business days to do so and will get back to me. I wait over XXXX business days and still have not heard anything from them. Unacceptable and highly unprofessional, this company need to be hold accountable and since they ask for your identification they now have my info which is a lawsuit worthy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Equifax and I disputed my personal information. Therare inaccuracies with my personal name and address. I also submitted copies of my driver 's license, social security card and utility bill as proof of residence. 
My legal name is XXXX XXXX XXXX and Equifax is reporting my name inaccurate as XXXX XXXX XXXX as a former name and my middle name doesn't change no matter my status. 
I also believe the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX Belong to someone with a similar name but are inaccurate on my credit report. My address for years have been XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with TOYOTA MTR. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MTR with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices will transaction settled with insufficient fund balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've filed a previous complaint (  XXXX  ) with you all and the status still remains open with no response as of  XXXX    XXXX ,2017  in regards to my  XXXX   XXXX   XXXX  account to be removed from credit report.  XXXX  out of the  XXXX  credit bureaus have removed it when I sent certified letters asking for the removal or proof of debt except Equifax. They have yet to respond when I sent the certified mail  XXXX   XXXX ,    2017  and they received it  XXXX   XXXX ,  2017 . I would like the account removed please. I also checked the licensing website and saw no authority for them to be collecting in the state if NC which was another concern for  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

At approximately XXXX XXXX XXXX on XX/XX/2020, I accessed the TransUnion credit freeze page at : https : //service.transunion.com/dss/login.page to unfreeze my credit score in preparation for taking out a mortgage. 

Upon logging in to the page using my previously established TransUnion account credentials, I was presented with my current credit report status ( frozen ), and options to unfreeze my report. I selected the option to unfreeze my report. 

However, after the process completed, my credit report was unfrozen without ever requiring me to enter the previously setup freeze pin to secure my credit account.
Product: Checking or savings account

4 unauthorized transactions via a debit card occurred on XX/XX/2022 totaling {$1500.00} This was reported on XX/XX/2022. 
Chime states that Regulation E indicates that these transactions do not qualify for a provisional credit. This is incorrect, and a violation of 12 CFR Part 1005 ( Regulation E ) as the transactions were unauthorized point of sale transfers. Chime has not responded to my most recent support request dated XX/XX/2022 ( one month after these transactions were reported ) requesting that a provisional credit be issued in accordance with Regulation E.
Product: Credit card

I requested the activation fee of {$69.00} to be removed from my account since the fee is for nothing whatsoever. I requested this on XX/XX/year>. I communicated with Synchrony using their customer service online chat and was connected with XXXX XXXX who is an Account Manager at Synchrony.