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

Back in XXXX transunion had a issue where all inquiries where deleted off of multiple accounts and then put back on to peoples credit, well by law section 6 11 of the Fair Credit Reporting acts it states that if anything is deleted off of your credit and then reinserted to that the persons credit they are reapplying that to be sent A letter with a 5 day notification of reinsert, I did not receive a letter or notification of this and some of these inquiries do not even belong to me. I would like for them to be deleted. I have contacted transunion directly with no answer! 

Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry :  XXXX Inquiry : XXXXDate of Inquiry :XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry :  XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX
Product: Credit card

On XX/XX/year>, I purchased from XXXX XXXX items totaling {$160.00} using my Apple Card. Several days later, I received an email notification noting the package was delivered to my home address on the afternoon of XX/XX/year>. However, I never received the package. I called XXXX immediately and they were unwilling to assist with the circumstances. I called Apple Card, and disputed the {$160.00} XXXX charge by explaining to them that I had never received the package. They took weeks to review my dispute, and ultimately denied my chargeback. Over the course of the past 6 months, I have called Apple Card several times after to dispute the charge, and they have denied to do so multiple times. It is unfair to ask me to pay for the items when I never received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX  account # XXXX, XXXX, XXXX, XXXX, has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 States : That a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th Endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) # Credit Bureaus are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Debt collection

I was called from an unknown number stating the man was a process server attempting to serve me but he wanted to set up a time to schedule it. I asked what it was for and he didnt know but gave me a phone number to the law office. I called and a very rude man informed me I had a 10 year old debt to a bank and I owed $ XXXX and I stole from the bank, it was a fraudulent theft charge and I was going to jail/county lockup for 180 days. I asked what the debt was for and he would only tell me the name Fifth Third bank. Man knew my full SSN. Anytime I asked for any other information he became belligerent and said I was refusing to pay and he was going to use the recording in court to prove I knew about the debt and that it was accurate and I confirmed it was mine, though I did not. Man said I had a court date for the following Monday at a XXXX court but he refused to give me any sort of case or account number, he said he didnt need to because he had my voice recorded saying I knew it was mine and I was refusing to pay. He hung up on me twice. I called both Fifth Third bank, who declared I didnt owe them anything, and the XXXX XXXX county court, who said I had nothing pending under my name. I worked in a debt collection law office and know there are multiple MULTIPLE FDCPA violations he made.
Product: Credit card or prepaid card

Had my Chase Sapphire Preferred card information stolen back in XX/XX/XXXX, I was in XXXX when the card was stolen, once back in the US I hadn't noticed until i got a call from XXXX while out on a company dinner that it had charges on it and were saying they looked fraudulent. I called chase the next morning and flagged all the transactions as fraud they were removed during the " investigation period '' but in XX/XX/XXXX their were two charges charged back to the account from that time. One transaction for {$740.00} from XXXX on XX/XX/XXXX & another transaction for {$110.00} from XXXX  * XXXX + XXXX  on XX/XX/XXXX. I had called the support number on the back of my card about this and due to Covid-19 the tech support agency said that their fraud department to handle these resolutions is not currently taking calls so i had to email : XXXX. I email them about this and a few days later get a call about these transactions. The agent on the other end of the line ( Her name is " XXXX '' ) says that the transactions are valid and procedures to tell me that the vendors have replied to their request about the fraudulent transaction & say that they shipped products to my home address on my card. This is where i decided to escalate this because I have not received any products from either of these companies to my address, If they have shipped something to my address I would like to see shipping confirmation because i find it hard to believe that someone would ship a {$750.00} product to my address without needing signature. XXXX then advised me to email the proof that I have not received any of these products or that I was not in the US when my card was stolen & that I should email my proof to : XXXX to me this email seems like something that isnt a valid chase email and I would like to talk with someone higher above than a call center about my situation.
Product: Payday loan, title loan, or personal loan

Hello, I have reach out to lendmark Financial on several occasions about some late payment. They was there mistake. And now I have received a letter in the mail, but unfortunately the envelope was address to me but the letter had someone letter inside so someone has all of my personal information and I have there, that just go to show you that lendmark is doing stuff wrong on so many level. No other customer should have anybody personal information. and I have poof. So at this point I am requesting that those late payment be removed from all three credit reports. If lendmark can make a big mistake like this now I am very worried about my personal information going to another customer.
Product: Mortgage

I instructed XXXX. XXXX  to pay LoanCare {$920.00} on XXXX XX/XX/2020 to be received on XXXX XX/XX/2020. My payment cleared my XXXX. XXXX  checking account on XXXX XX/XX/2020. LoanCare failed to credit my account. I requested that XXXX. XXXX  fax proof of payment to LoanCare via LoanCare Collections at XXXX. This was accomplished on XXXX XX/XX/2020.
Product: Credit card or prepaid card

Annual fee of my Chase credit card account, {$95.00}, was charged on XX/XX/XXXX. 

I called on XX/XX/XXXX and asked when is the last date by which I have to decide to keep the card or not without paying annual fee. I was informed that because the fee was due by the end of the billing cycle, I had time to decide until the XX/XX/XXXX Due Date which was XX/XX/XXXX. 

I called on XX/XX/XXXX twice to close the account. On the second call, I requested to close it and I heard it was closed. I cut the physical card. 

On XX/XX/XXXX, I found that my account was not closed. 
I called, and exchanged several emails with Chase agents since then, but they did not admit their error, initially saying that the account was not closed because I did not pay annual fee within 30 days after charging annual fee, which was XX/XX/XXXX I got two difference messages regarding this issue - one saying that 30 days from the date it was charged and the other saying that within the billing cycle. 

When I asked to check my two calls on XX/XX/XXXX only one call was checked or it was back to square one with an agent who neglected to read the email thread. Through this process, late fee was charged even though there was a return activity that gave a credit to my account. 

I request two things to Chase to make sure what happened : 1 ) Review all recorded phone conversations, share them with me, and verify that their agents told me that I could cancel the account by the XXXX due date ( XX/XX/XXXX ) on those calls, 2 ) Review the phone conversation on XX/XX/XXXX, share it with me, and verify that I asked to close my account and their agent was supposed to do it during the phone call, which was made before the XXXX due date.
Product: Mortgage

I submitted Earnest monies to North American Title. I filed contract for " Return of Earnest Monies '', from the Seller of XXXX XXXX XXXX XXXX XXXX Texas XXXX. Seller and Realtor had no issues with signing contracts and returning calls to my realtor. Now I have decided against buying the home because lies were placed on the sellers and seller does not want to work with me regarding the roof damage. Now it has been close to a month and the North American Title has not returned Earnest Monies. TitleCompany states can not get in contact with seller. I can bet you that house is still on the market and seller/ Realtor has no problems contacting new prospective buyers. North American Title is intentionally delaying process of returning my monies. Two weeks ago I was told I would get a return call from North American Title regarding my earnest. Did not hear from North American Title. The Sellers agent is lying or the Title Company is lying. Lets see what the Title Company tell you the CFPB in writing under a Federal investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax continue to report an account on my credit report, despite the fact that it has aged out. Pennsylvania State Law has a statute of limitations on debt of four years ( 42 Pa. C.S . 5525 ( a ) ) and the last activity on my XXXX XXXX account was in 2017, well past the statute. 

Although this has cost me financially, I am not seeking financial restitution, I simply would like to have the account removed from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting - XXXX XXXX XXXX XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, XXXX, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX on my XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX XXXX I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 

Thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal loan account with Upgrade.com was fully paid in XX/XX/year>. In XXXX this year I filed XXXX  XXXX bankruptcy. Even I'm fully paid with Upgrade they have a checking account that waa open a while back which i never used so my lawyer and the bk court still had Upgrade listed on my bankruptcy filing. My bankruptcy was discharge this XXXX. Upgrade closed the checking account which was fine as I don't use it. However they are reporting my fully paid account in XXXX before the bankruptcy as a charged off and they will not give information why the did this. Further they want my bankruptcy lawyer to get in touch with them when I keep saying there is no more lawyer as the bankruptcy was already discharge last XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariners Finance is going into my report bureaus ( XXXX ) and putting inquirys on it behind my back, I have not applied for any loans through them, did that long time ago and they ripped me off so I learned a lesson they are underhanded and are allowed to do damage to others. 
I was receiving offers via U.S. mail, I would send them back telling them I am not interested stop mailing your garbage to my address, this didn't work, so I went online to a OPT OUT ALL IN ONE website and opted out of all junk mail coming to me, that didn't work, they still mailed me, so I emailed their main firm in XXXX MD and demanded they remove me and stop bothering me, they said they would, but now here 's this! they are going into my credit bureaus and snooping around, I never opted in to receive any marketing mailings from anyone of any sort yet these crooks wont leave me alone
Product: Debt collection

A bank levy was placed against me in the amount of XXXX. Apparently, midlund funding won a lawsuit against me in XXXX. I did n't even know the lawsuit was happening, due to never being served. ( They served an address I Never lived at ). The original debt is in XXXX XXXX and 14 years old. I  live in XXXX, and am unsure as to the company I owe the money, and the amount they took out of my bank account can not be proven. This company is breaking the law, and getting away with it, and it 's not right! They have ruined my plans, and now I 'm stuck filing papers with the court in XXXX XXXX  and I 'm still missing XXXX. They have legally stolen from me!
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 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: Debt collection

Spoke to the orginal creditor of the account ; XXXX. They confirmed with me on XX/XX/XXXX that the account has a XXXX balance and was sent to XXXX XXXX   in error. They provided me with a reference # XXXX and advised they would inform the collector that the account was paid in full in XXXX. The collector has since removed the negative remark from my XXXX  credit report but added to my XXXX credit report the following day.
Product: Debt collection

My XXXX XXXX XXXXeport says I have a balance to pay of XXXX XXXX I NEVER OPENED A ACCOUNT AT THIS BANK. I have tried a few times to work this out and there is no way to fix it apparently? I dont even know what this XXXX $ is apparently for but its ridiculous that Im on the hook for it.
Product: Debt collection

this medical bill was report to my credit and is not accurate or factual I had no knowledge of this and has dropped me XXXX  points from account number XXXX original debt was XXXX XXXX XXXX XXXX commonwealth financial has placed this on my credit report with no prior knowledge of this belonging to me I ned this removed and immediately
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX  score. 
Below are the details of the accounts in question : XXXX XX/XX/year>2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  XXXX2023
Product: Debt collection

Last year i received a letter from a debt collection agency ( i did not make a copy of the letter..i realized now i should have ) about a {$59.00} dollar dept i owe to XXXX  about equipment that was not returned when i canceled my account. 

I replied back to the company and provided the XXXX tracking number and receipt and letter from XXXX store how the equipment has been paid. They told me yes they see and all is resolved. 

Today XX/XX/year> i received another letter from another company MRS BPO , LLC with the same amount of {$59.00} that i owe to Spectrum. 
I just contacted MRS to see what this is about, but i am 100 % sure its in reference to the equipment i shipped back.
Product: Payday loan, title loan, or personal loan

NetCredit is a rent-a-bank scam. They operate outside of my state of Michigan. I asked NetCredit who loans money through many out of state banks such as XXXX XXXX  and Enova, etc. to allow me to lower my interest rate to the appropriate SCRA rate of 6 % and sent them my XXXX XXXX pay stubs. They acted like the never got the paperwork and then they took out a payment at XXXX percent before my due date for an amount that doesnt match their system as being due and were not authorized to do so. I tried to call them and they are impossible to reach. I had to email them countless times over and over again. After doing a lot of research I found out they are a rent a bank scam and charge more than the 36 % cap and are preying on veteran and military personnel as well as anyone looking for help during COVID in order to charge them outrageous interest rates, pull money at un-authorized times and more. 

III. The 36 % Rate Cap Today A. XXXX Until the deregulation of the XXXX and XXXX, virtually all states had usury caps, though they varied widely and were typically well below 36 % for larger loans.17 But that changed with deregulation, which was spurred by two developments, neither of which reflects on the appropriateness of rate caps today. 
First, a Supreme Court decision permitted banks to charge the interest rate of their home state, regardless where the loan was made.18 The decision led some states to repeal their interest rates in exchange for banks relocating their headquarters. Other states were forced to follow suit or lose their banking industry.19 Why 36 %? The History, Use, and Purpose of the 36 % Interest Rate Cap 2 Second, double-digit inflation squeezed the availability of credit, especially mortgage credit that was often constrained by much lower interest rate caps, and spurred a general climate of deregulation. 
The response of many states to the combined developments was to eliminate interest rate caps.20 Many states today have no usury caps or have carved out holes in their rate caps that effectively gut them. 
B. The Current Trend Toward a 36 % Cap For Small Dollar Loans The 36 % rate for small dollar loans continues to have wide acceptance at the state and federal level. Today, over 35 jurisdictions 70 % of states still provide for annual interest rate caps at the 36 % benchmark or less within their statutory schemes governing small-dollar installment loans by nonbank lenders.
Product: Credit reporting or other personal consumer reports

11 unauthorized fraudulent inquires on my credit file.
Product: Credit reporting or other personal consumer reports

Received confirmation from XXXX ( PROVIDER OF PUBLIC RECORDS INFORMATION ) that the XXXX  XXXX on my credit report hasn't been verified by XXXX and XXXX. XXXX has filed disputes with EXPERIAN, XXXX AND XXXX that public record XXXX needs to be remove due bankruptcy isn't in the XXXX system and not valid.
Product: Money transfer, virtual currency, or money service

An account I follow ( XXXX XXXX ) on XXXX raved about quick returns on XXXX  investment she did with ( XXXX XXXX  ) and I started a conversation with her to invest {$1000.00}. This person has a fake website with login & all. The received the money & confirmed that they have traded for XXXX- after about 12hrs they asked for more money {$500.00} to upgrade brokerage account so as I can withdraw profits out of it. I sent {$500.00} as a charge ti upgrade brokerage account. After couple of hours they were like, the trade they bought for me had low signal and would not actualize into profits if the signals not upgraded and I would lose the original {$1000.00} too. If I dont send additional {$3000.00}. I was like no way im sending {$3000.00}. Then the person on other side like okay you pay half & Ill take care of the rest. And after sone conversation I sent $ XXXX broken into {$800.00} & {$700.00} ( through XXXX XXXX XXXX  XXXX which has been refund ) payments. And post that they tried to hack my XXXX & I refused to use any link sent by them. 
Reported to the bank & Zelle within 2 days, the accounts were removed from Zelle but the amt hasn't been reversed- if XXXX  can reverse a XXXX XXXX XXXX payment seeing the case why can't zelle help? 

XXXX XXXX XXXX - website used by the scammers.