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

On XX/XX/2018, my Chase bank account was charged for {$150.00} from XXXX XXXX XXXX, because I had put my debit card on file for my brother in law to receive auto insurance from XXXX. On XX/XX/2018, I had contacted XXXX about this, stating that he was supposed to remove my card from the policy and replace it with his, in which the representative promptly removed my card from the policy and advised that I contact my financial institution to file a dispute, so that I would receive that money back. I contacted Chase, had filed a dispute, and received a temporary credit. On XX/XX/2018, the credit was removed. Upon contacting Chase Bank and speaking with their XXXX Department, I was advised to contact XXXX, because they had sent a request for the funds to be returned, but had not gotten a response. I contacted XXXX, in which they informed me that they had not gotten a response. I contacted XXXX and Chase Bank several times, back and forth, getting different responses ranging from we haven't gotten a response from XXXX XXXX XXXX has denied your claim, based on the fact that you authorized automatic withdraws on your debit card, in which I had not taken off before the transaction started. When I filed the dispute on XX/XX/2018, which wasn't processed until XX/XX/2018, I was advised that everything would be taken care of, and that I would be contacted if any questions were to be asked. Chase Bank has last stated to me that, since the transaction processed, that XXXX XXXX XXXX would have to be the one that has to issue a refund back to me, but will not, because they're telling me that I have to file another dispute with Chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information in my credit file that is inaccurate. The findings are inaccurate from Diversified Consultants for a XXXX XXXX XXXX account. The balance was originated in XX/XX/2017 and paid in full in XX/XX/2017. I never received a collection notice from the above named Agency. I spoke only with the XXXX XXXX XXXX representatives. This is the sole reason that I am disputing this inaccurate information reported against my credit as being negative, it has adversely affected my credit which has been denied in the last 60 days. I request that the inaccurate report put on my file be corrected or deleted inaccurate, incomplete or unverifiable information. This is my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the foolowing cases as removed when they are not and is being reported as open and duplicated muliple times on a continuous basis. 
The followibg acconts are : XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX These accounts are being reported as removed and the are clearly not deleted and being reported as open monthy and nor removed. Some of the above are reported also a removed and missed payment and continues to be reported on my XXXX, Transunion and XXXX credit profile and being reported to credit services who profit of old information.
Product: Debt collection

The original creditor removed the debit from my account as it was an error and the device was not leased to me. XXXX allowed someone to charge a phone to my account without my consent. I communicated this fraud action with XXXX  and it was resolved. Now XXXX years later a new debit collection was added to my credit report. This charge is not mine. I disputed this account with JEFFERSON CAPITAL SYSTEMS and asked them to provide accurate information about this account, reach out to the original company and request documents that were generated which resolved this fraudulent charge. They have inaccurate dates listed on this collection which appears to reflect charges from this year on my credit report. They also did not provide the documents that I requested. This should not be on my credit because as stated above XXXX originally resolved this fraudulent charge. I have not been a XXXX  customer for over XXXX years and no new charges should be listed on my credit report. This is unlawful that a credit company can pick up a debit from another company and come after me, make a negative mark on my credit when the original creditor admitted wrong doing and found me not responsible for the debit. I am requesting that this be removed from my credit report immediately.
Product: Debt collection

Speedy Cash is listed on my credit report. The collection Agency listed is XXXX  XXXX. Contacted XXXX   XXXX regarding the debt of {$1100.00}. The reported the debt had been sent to the Attorney office of XXXX. XXXX XXXX. I contacted the lawyer office who reported that I needed to make an offer and they could not tell me an amount. I made an offer of {$520.00}. She reported they were not going to accepted that and would only accept approximately {$1800.00}. She reported that the original debt was {$1100.00} but there were additional feels and the new amount owed is {$2600.00} so they will only settle for approx. {$1800.00}. She stated that I would have to get an attorney as they are not willing to accept anything less that that. She was informed that we were not notified that we were being sued and I was trying to settle the debt within 7 days. 

I was trying to settle this debt and not pay for attorney fees. My address was not confirmed nor was there any additional information obtained.
Product: Debt collection

I continue to get calls at my home from a company trying to collect a debt from a family member who does not live with me and has never lived in this home. The calls are made at least two times a day. They are either from a live person or a recording. I have asked them not to call anymore and that I can not help them.
Product: Credit card

Hello, I made a payment of {$96.00} on XX/XX/year>. My bank rejected the payment so I went in store to pay {$97.00} on XX/XX/year>. I relocated to a new city XX/XX/year> which is why i was working on paying off my debts because I would not have the finances for a bit. I no longer thought of the card after paying it to a zero balance. Later in XXXX I get a notice that my card is 30 days over due and it's reported to my credit report. I then called the company asking if they could remove the {$40.00} return fee, {$37.00} late fee, and {$4.00} interest fees. I told them my situation which I've previously stated. I was told they can only remove {$19.00}. I was not in the position to pay anything which is why I paid it to zero. 

Recently, I was notified that my account balance is currently {$160.00} which all of the balance is made up of fees and not from any purchases made. I called again asking to have them removed and was told they can take off a maximum of {$40.00}. I'm now wondering why they could not removed the {$40.00} when that was the only fee on the account back in XXXX? We would not have this problem at all. Now I'm feeling as if I'm being taken advantage of by this company. 

In addition, this company is violating my rights of keeping my personal information private by reporting the transactions of late payments to my consumer reports under law 15 U.S. Code 6802.
Product: Bank account or service

Had A checking account that was compromised Called to cancel checks and they told me it would be a XXXX charge I agreed and they still let them clear with no money in bank account to cover them then charged an overdraft fee plus daily fee did not know that they had let them clear and that I even could overdraft over XXXX when my bank limit was XXXX if I went over XXXX then bank would cover it anything above that they do n't pay and send back this is not an accurate amount and do n't know where they came up with these amounts and I have requested copies of the origanl documents and still have not gotten a detailed bill.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. 
Clerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. 
XXXX in Payment Posting by XXXX : The late payment entry is also a result of a delay in XXXX  payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX  Date of Inquiry : XX/XX/year>
Product: Debt collection

On XX/XX/2018, I received 1 call on personal cell phone at XXXX. I was driving and could not answer. 20 minutes later when I had the opportunity to listen to the voice mail, it was identified as USI, a debt collector and I was given a number to call back and a reference number. I did not have time to call then but returned to my office. I arrived at my office at XXXX and was given a note that the same number had called and left a message for me to call. At XXXX XXXX  I received a text from my son-in-law stating the same number had called him looking for me and left a message with him for me to call XXXX ext XXXX. This seems excessive and harassing as I am sure that other people were contacted and I have not heard from them yet. 
I called the number provided and extension and was sent to voice mail. I left a message that I contest the debt, wanted all calls stopped and to be contacted via US Mail. I additionally went to the web-site for USI and used the contact form to send them the same message and provided my mailing address there. 
The tactics of this kind of phone calling seems a violation of the FDCPA. If they can provide the information I requested and it is valid I will deal with it but it is harassing to call a bunch of numbers that are some-how linked to me to collect an unverified debt.
Product: Vehicle loan or lease

I did credit application with XXXX XXXX in XXXX nj the credit person named XXXX called me and told me he got us approved for a loan and the bank wanted a XXXX deposit after making numerous phone calls to borrow the money from friends and family I text the sales person XXXX back and told him we were able to borrow the down payment and we would be in tomorrow with it be said ok great then XXXX calls me back about 10 min later and tells me that the bank Westlake financial wanted our other car also along with the trade in we were giving them and the XXXX someone is scamming people either XXXX or Westlake financial please investigate this matter I would not trade in both vehicles fir one my wife uses the other vehicle she ca n't drive the pickup  truck as it is too big for her
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 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

XXXX XXXX XXXX Opened : XXXX XXXX XXXX Amount {$420.00} My identity was stolen and used to buy phones. This debt is not mine. 

XXXX XXXX XXXX Opened : XXXX XXXX XXXX Amount : {$270.00} My identity was stolen wand used to buy phones.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

PayPal is calling my primary number, so.show they got my wife 's cell phone number, my work cell phone number and my dad 's home number. I have filed for bankruptcy but they continue to call on a daily basis
Product: Credit card or prepaid card

US Bank has a card called relia card, its for unemployement benefits that is provided by the state to collect benefit payments if you dont have a account for direct deposit. Fraud was made with card, which is not banks fault but no security method in place to avoid it. Called multiple times to advised card not received and was never advised card was activated and used. Only became aware of fraud when 3rd card was mailed as expedited when was previously advised this was not an option and when i called to activate card it had XXXX balance from a benefit deposit of almost XXXX. All activity on account is suspicious as in amounts and transactions. They advised account was blocked due to suspicious activity but someone called and removed block. At this point im not sure what security verification was preformed but if it was basic informatio you would think the person commiting fraud already has it since they activated and used card to start with. At that point as a customer i expect bank to take high measures to protect my money. A dispute has been raised along with police report for identity theft but no resolition or money has been returned. I also requested a copy of statements for the detective and the bank sent a statement with wrong account number listed causing the investigation to slow down. This had been a headache and hardship on my famiky that has had XXXX income since pandemic hit and i counted with this money. I did not benefit in anyway from these funds and feel the bank is responsible for not taking security action to protect my account.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX 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  Balance Owed : {$2100.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was companies that are reporting on my credit report that do not belong there. 
I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Experian a certified mailed letter to remove inaccurate information from my report. They responded and said that they did. However, they only fixed some of it. I still have several misspellings and variations of my name listed. I supplied them with documentation including my social security card and drivers license ( current ) to verify my information. 

Upon calling them, the support rep refused to change the incorrect names listed on my account, saying that they were just " variations '' of my name. Both XXXX  and XXXX promptly removed these false names and nicknames. Experian however, is outright refusing to do it, even though I requested it formally in writing. 

They are violating my rights under the fair credit reporting act and are refusing to work with me.
Product: Credit card or prepaid card

1 ) Capital One has placed secret " Remarks '' not available to the individual consumer credit card holder noting that the individual filed a dispute. 
2 ) Capital One has maintained this information on file with the credit bureaus for more than 8 years. 
3 ) Capital One reports a XXXX balance on the now closed and previously inactive account since XX/XX/XXXX. 
4 ) Capital One refused to remove the remark and could not tell me what is was about or why is remains on the Credit Bureaus records. 
5 ) Capital One 's practice violated the Consumer Finance Fair Credit Reporting Act due to its secret nature, these remarks imperil my ability to procure a mortgage loan, these remarks impose a chilling effect on the consumer 's rights to dispute a financial transaction, these practices are causing the retention of information older than 7 years. 

I note that my XXXX FICO score is XXXX.
Product: Payday loan

I had vehicle problems and needed some quick cash so I took out a loan of {$550.00} from Ohio Acceptance. It was all done over the internet and quickly. They set a {$100.00} payment to come out of my checking. So far i have paid them over {$1000.00} back and they still say i owe them $ 600+. This is completely ridiculous and they are preying on consumers with poor credit. I do n't even think it is legal to charge 700 % interest and I definitely did n't know this was the case. Every week now a few times ( six times last week ) they try to deduct my account which i have told them is empty and I keep getting overdraft after overdraft. When I contacted them about it they pretty much laughed and said there was nothing they could do. Meanwhile i am in financial ruins and ca n't even pay my bills over this nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX received the final payment on my account on XX/XX/XXXX ( this was a bank draft sent directly from my Credit Union on XX/XX/XXXX ). That billing cycle completed on XX/XX/XXXX. On XX/XX/XXXX, I received a check from XXXX XXXX in the amount of {$12.00} as over-payment on my account. They still have not updated my credit report to show that the account is paid in full as of today, XX/XX/XXXX. I called the local branch in Maryland ( XXXX ) where the account originated, I spoke with XXXX, and was told there was nothing they could do to help me. XXXX also said she did not know the phone number to call at their headquarters and I would just have to wait for them to update my account. The number is on the XXXX XXXX homepage ; it's not rocket science. I called the main headquarters ( XXXX ) and had to leave a message, but did not receive a call back. I have disputed this information with all three credit bureaus and none have updated my account information. All three say the lender has verified I still have a balance of {$2600.00} and that the last payment made was in XX/XX/XXXX. This is completely inaccurate and frustrating considering I never made a late payment on that account. If I was behind on even one payment the phone calls and letters from the lender would have been relentless, but now it's okay for the lender to take their time to update my records and tell me I can't even expect a specific date of resolution. I am in the process of applying for a home equity loan and need this information updated immediately. Unfortunately, XXXX XXXX only wants money from their customers and will do nothing to help when the loan is repaid and the credit report should be updated.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unsolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.