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

XXXX XXXX XXXX XXXX Account number XXXX This account is not listed correctly. The account should have a XXXX balance. The account date is incorrect. The open date in XX/XX/XXXX to and close date is XX/XX/XXXX. The account is paid as agreed never late. PAANL open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
I sent to Experian on XX/XX/XXXX, asking them to reinvestigate this account I got the investigation back but noticed nothing was modified or updated. 
According to 15 USC 16811 ( 5 ) So I sent a letter on XXXX XXXX XXXX  requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 16811 ( 7 ).

I did not receive description of the reinvestigation.
Product: Payday loan, title loan, personal loan, or advance loan

Prior to my hospitalization in XX/XX/XXXX, payment was made online. After a lengthy stay, I notify company to arrange a new payment agreement, was told that my balances would incur a 110 % interest rate due to non-payment. 

1st account show balance of {$270.00} 2st account balance on {$540.00} Compnay has listed as charged off since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting through XXXX XXXX XXXX XXXX XXXX which ALL my accounts have been paid as agreed and on time. There is a remark on a few of them 90 days in 2017 which is inaccurate. I tried to address this now twice and received only one response back from XXXX saying they weren't going to do anything. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Was called from a phone number of XXXX at XXXX XXXX Central Time on XX/XX/2019. Sent to voicemail as I didn't recognize the number. The caller ( not recorded ) asked for XXXX XXXX in regards to XXXX XXXX (? ). Left a phone number of XXXX with reference number XXXX. I am not XXXX XXXX. I don't know any XXXX XXXX. I don't have any outstanding debts. Even if that were the case, no one should be contacting anybody except employers about other people 's debt.
Product: Credit card

I disputed a fraudulent transaction on my Chase credit card from XXXX. They sent me a packet with the merchants response that I received in the mail on XXXX/XXXX/2017. I promptly mailed my response that evening to be picked up by the postal service on XXXX/XXXX/2017. Chase closed my dispute without ever reviewing the documents and when I contacted them via phone, this morning XXXX/XXXX/2017, they informed me they never received the documents and I told them to look harder and then they miraculously found them. They then informed me that they could n't reopen the dispute since it was closed and I 'd have to write a letter to reopen it. I asked them for the phone number of the dispute department to which the representative informed me that they have no phone. I feel like Chase did n't even attempt to resolve my dispute since they completely ignored my supporting documentation.
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 15 USC 1681. Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : 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 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: Mortgage

We submitted a loan modification request to Carrington Mortgage in XXXX. They sent a letter stating that they did not receive all of the documentation that they needed for the modification along with a list of missing documents. We sent the requested documents by email and uploaded them to the bank 's loan modification web page. I just received a letter today stating that we failed to give them the documentation that they requested in the time frame they requested it in. The time frame has not yet expired and the documents still are showing on their web site. In addition, we spoke to a member of their call center to confirm that they received the documents two weeks ago and they confirmed that over the phone. It is our contention that Carrington is not acting in good faith in this matter and is in violation of the Federal Rules governing this process as well as potentially committing fraud in an effort to steal our home. I have been out of work for six months and trying to get this taken care of. Their statements have always been that they want to help but it appears now that all they want to do is help themselves to our home.
Product: Credit reporting or other personal consumer reports

I made a payment to my XXXX XXXX XXXX and days later my phone eneded up messing up so i wasnt aware that the money i used to make my credit card payment was tooken for my phone bill that was also due but it was nothing i could do about it because i didnt have access to my accounts and i wasnt aware of this until the 30 day late notification popped up when i ended up gettng access to these accounts again which is why my payment was made right after the 30 days
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to complaint to XXXX XXXX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX credit card charged off my account on XX/XX/2017. The card was secured for {$200.00}, and I had an additional overage of XXXX. On XX/XX/2017, I made a payment of {$120.00}. On XXXX XXXX, I contacted the company and spoke with XXXX, who informed me that the company will continue to report my account as charged off rather than closed and paid in full, even though they admit that I do not owe them any further money, as they used my security deposit to satisfy the purchases I made, and I paid all over the limit fees. XXXX further informed me that it is the policy of the company to report inaccurate information to credit bureaus unless and until the information is disputed.
Product: Credit card or prepaid card

My credit card was lost or stolen while in XXXX, XXXX on XX/XX/21. I didn't realize it until XX/XX/21 at which time I called Chase that evening to report the card lost/stolen. They closed that card and issued me a new card. 

When I received my Chase statement dated XX/XX/XXXX, I discovered unauthorized charges on my account totaling about {$570.00}. I called Chase to report the unauthorized charges and they removed them from my bill. 

Upon receipt of my XX/XX/XXXX Chase statement, I discovered that Chase had added back the unauthorized charges to my account. They sent me no notice or letter. I contacted Chase recovery and they stated the unauthorized charges were made in a suburb of XXXX so they were considering the charges valid - basically calling me a liar. They told me I could provide more documentation and email it to XXXX. In the meantime, they said they would review it again. They did so and sent me a letter via the website stating the charges were still valid and they would not consider them unauthorized charges that could be removed from my bill. 

On XX/XX/XXXX, I emailed a detailed account of where each of the fraudulent charges were made and provided evidence I was not in those areas so could not have possibly made those charges. Within only one day, they sent me a letter via their website stating I had either " notified us that this transaction is valid '' or " had received a benefit from this transaction ''. Both statements were completely contrary to the email/evidence documentation I had provided. 

In summary, my card was lost/stolen, someone used my card to make unauthorized charges, and Chase is forcing me to pay for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX XXXX XXXX .... Date opened XX/XX/2012 Balance : {$5000.00}
Product: Debt collection

this company is violating my rights under they have not provided validation information under 12 CFR 1006.34 ( B ) ( XXXX ) yet they have placed a collection on my consumer report recently also violating my rights by using false and misleading information ' i have made previous attempts to fix these directly wit them and they are violating my rights im entitled to {$1000.00} for every violation i listed they either pay me or delete this accounts ASAP
Product: Vehicle loan or lease

On XX/XX/XXXX, I discovered my identity had been stolen. My credit reports showed that a car loan for {$42000.00} was opened with Credit Acceptance Corp on XX/XX/XXXX. The XXXX  purchased a XXXX XXXX at XXXX XXXX XXXXXXXX in XXXX XXXX using my social security number. I have never authorized anyone to use my social security number to buy a XXXX XXXX. I have never been to XXXX XXXX XXXX. On XX/XX/XXXX, I filed a police report with the XXXX XXXX Police Department ( case # XXXX ) and a report with the Federal Trade Commission. I froze all my accounts and put fraud alerts on all accounts. On XX/XX/XXXX, I called Credit Acceptance Corp ( car loan company ) to inform them about the identity theft and dispute the loan. Per their request, I emailed them several documents, including the FTC report, my signature on a piece of paper, my signed social security card, and my driver 's license. On XX/XX/XXXX, I received documents from XXXX  XXXX XXXX ( dealership ) which included a copy of my driver 's license ( please see attached file called XXXX XXXX ). I have no idea how the XXXX  got my driver 's license. I never gave anyone my driver 's license nor authorized anyone to use my driver 's license. The documents were strange because there was variation in names, addresses, and dates. I subsequently filed reports with the DMV, post office, and FBI. On XX/XX/XXXX, I received a call from Credit Acceptance Corp, who stated that they had " concluded their investigation '' and found me " fully responsible for the loan. '' I have several witnesses to my whereabouts on XX/XX/XXXX who are happy to provide witness affidavits. However, Credit Acceptance Corp does not accept witness statements. The XXXX  tried to set up various accounts and get loans in other places but were unsuccessful.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>XXXX XXXX XXXX I entered into a Mercari transaction in the amount of XXXX, Mercari Invoice ID - XXXX - for a XXXX for a new computer I was building. The part was listed as new, but was used ( and was previously registered to a different person unbeknownst to the Mercari seller - XXXX XXXX who sold the unit ). Unfortunately, the item being registered in someone else 's name, but sold as new, completely voided any kind of warranty on the item, which is a huge problem. In short, the item was not as described, and its just an unfortunate situation. I made contact within 72 hours to the seller letting them know of the issue ; however, Mercari is not wanting to return the funds, and is giving me significant grief surrounding the matter. They keep pointing me back to a 72 hour window, which I made contact in the 72 hour window. The Mercari Seller ( XXXX XXXX ) and I have agreed to mutually refund the item ; however, Mercari is not working with us to support the refund because they claim the contact wasn't made within 72 hours, which isn't true, and I can support that with screenshots and documentation between the seller and myself. The problem arises due to the seller only receiving about {$620.00} out of the total {$790.00}, so Mercari has taken taxes, shipping, processing fees, etc. and is holding those funds hostage when both myself as the buyer and XXXX as the seller have agreed to go forward with a refund. I have other resources engaged, but Mercari is trying to suppress chargebacks and refunds for legitimate situations, and enough is enough. I will help provide any resources I can, but what Mercari is doing, in my opinion, is completely ethically bankrupt, and they need to be held accountable. Additionally, Mercari 's policies do not align with consumer protections for legitimate situations, includiing chargebacks. For example, their policy is in direct conflict with XXXXXXXX XXXX policies, or the chargeback policy of pretty much any bank or financial institution. Since their support is so unwilling to help in dire situations, I had no other choice but to raise a complaint outside in hopes to correct the matter. Mercari also has a history of wanting to offer credits that expire in 90 days in lieu of actually refunding the money itself, and that also is very alarming, and something I would also like to bring to light with the CFPB.
Product: Checking or savings account

Hello, I am XXXX XXXX XXXX with Amazon Platform. I was looking for a distributor for specific products. I have received offering quote from this XXXX XXXX XXXX Company. 
before, I make any deal and purchasing goods from current supplier, I verified the company 's business legitimacy and business location and stuffs with Texas state of directory office. 

The supplier asked me for paying first before packaging and shipping. I deposited money into his checking account, The amount is {$3100.00}. I awaited for delivery for 2 weeks but I did not receive it. I contacted again with distributor regarding delivery, in fact He asked more money for shipping cost that we had not made deal so at the beginning. 
I did not move forward and agreed with distributor. and they not refunded me either. 

I went to my Bank and told the story what happened with me and asked them for helping to recover my money back. they said sorry for me
Product: Checking or savings account

Since XX/XX/2024 Juno. Finance stopped offering 5 % APY interest on my checking account. I attempted to withdraw my account balance with ACH pull and the transaction was declined. I then tried to ACH push funds to my account and Juno declined the transaction. 

It is unfair business practice to cancel interest paid AND refuse withdrawals on my account.
Product: Checking or savings account

This is my 2nd complaint against USAA. I have been a long-time, good customer of USAA. Back in XXXX my XXXX XXXX XXXX college student daugter got sucked into a very unfortunate scam which caused us to loose over $ XXXX. As s result USAA put holds on all of our accounts, which was understandable at the time. But instead of helping us they have treated my entire family like we are the criminals. My daughter got scammed. I sent USAA a certified check for over {$10000.00} which they held for OVER A WEEK. That was over 3 weeks ago. They still have holds on all of our accounts. They are WHOLE and my son, my daughter, my ex-husband and I all need to get our money out of USAA so we can transaction busines with other banks. But they have all our accounts blocked so we can't transfer money. I talked to a XXXX with the office of the Preisdent on XXXX, but can not get her to call me back. My son who has NOTHING to do with his sister has $ XXXX he can not get out of USAA. Every time we call in NO ONE can seem to help us. USAA is holding all of our money hostage WEEKS after we made them whole. This has been a very stressful, expensive ordeal for our family and USAA has made it worse by not communicating with us and not letting us get our money transferred out and our accounts closed.
Product: Credit card

XX/XX/XXXX 2 transfer adjustments of XXXX were made to my account, increasing the amount owed on the card XXXX. There was no reason for these adjustments, I believe they stem from a fraudulent charge made to my account in XXXX of this year. The fraudulent charge had been transferred from the credit card it was made on to this account. I called the credit card company and they corrected it. Not long after, they made another transfer adjustment to my account. Again, I called and it was corrected. 
On XX/XX/XXXX they did the same transfer adjustment, twice. I have called 5 times over the last 6 weeks and have been assured that it would be corrected. It has not. I am contacting you because it now seems clear that USAA is unwilling to correct their error,
Product: Debt collection

Paypal sent me several letters on my account stating that it is closed because of money that I owed them. I contacted them and requested to dispute the transactions, but they were unable to assist me further and proceeded to mail me more letters. I mailed a letter back stating that I will not pay them what I owe because I did not authorize it and they sent more letters to me, this time to my different address.     This is leading to harassment because I asked them nicely to stop the first few times
Product: Checking or savings account

Bank accounts have been opened without my consent or knowledge to commit fraudulent activity. Cashing fake checks and using my info to withdraw money and I now can't open a account with a stable name bank because of this.
Product: Credit card

I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.
Product: Credit reporting or other personal consumer reports

I am writing to formally request verification of the account listed on my credit report under the Fair Debt Collection Practices Act ( FDCPA ). The details of the account in question are as follows : Creditor Name : XXXX XXXX XXXX Amount : {$2500.00} In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you provide me with the following documentation within XXXX ( XXXX ) business days : The name and contact information of the person or entity that provided you with the documentation regarding this account. 
Details about any interviews conducted related to this account, including the names of the individuals interviewed, the dates of the interviews, and the nature of the information obtained. 
If you are unable to provide the requested verification within the specified time frame, I kindly ask that you remove this account from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX  Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.
Product: Credit card

There were fraudulent charges made on this account. I contacted this company several times regarding fraudulent charges made to my account. Capital One has neglected to dispute and remove the fraudulent charges on my behalf. I reported my card as stolen and disputed several transactions from the previous statement. I have disputed with the credit reporting agencies and this account should have a {$0.00} balance and be paid in full.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to formally dispute the inaccurate information regarding my personal details that appear in my credit report. Upon reviewing my credit file, I noticed multiple errors, including incorrect information about my name, address, phone number, and employer. I request that these inaccuracies be corrected immediately to ensure the accuracy of my credit report. 
The incorrect information listed in my report is : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My correct information is : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : ( XXXX ) XXXX Employer : XXXX I have attached copies of supporting documents as proof of my correct information, including a copy of my driver 's license, utility bill, bank statement, or employment verification letter. Please update my credit file accordingly and send me written confirmation once these corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX, XXXX, Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX # XXXX