23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

While I was in the XXXX XXXX meeting, I received an email asking for my new number from who I thought was XXXX, which I found unsuspicious because I knew my old number was on file with Brilliant from when I used to work with XXXX XXXX XXXX XXXX XXXX I then emailed the person I thought was XXXX back with my #. I have proof of everything, from email screenshots to text messaging and XXXX gift card scams, which cost me {$3000.00}. 

Through all 32 screenshots of text messages, I was under the presumption that I was helping her purchase XXXX gift cards for employees who did well during XXXX. I was under the impression that I was texting with XXXX because she asked for receipts and proof of the gift cards, which I thought were for auditing purposes. Through the text messages, you will see me mention using my cards to detect fraud multiple times and alerting the person I am feeling uncomfortable with the amount of money I was using to purchase these gift cards. Here is the breakdown of the money I spent and all three agencies that have been detected and sent the documents, in addition to me filing a police report with XXXX XXXX police and the FBI. 

XXXXXXXX XXXX : {$1200.00} XXXX XXXX : {$200.00} Chase XXXX : {$16000.00} Police report # XXXX Speaking to the police officer, he told me this seems to be a more significant issue internally, and with them knowing I was a new employee who had an old number on file while getting an email from the CEO within two weeks and did not feel like it should be dealt with outside of the communication between the scammer and me because she told me to keep it a surprise for certain employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to start by saying this is XXXX XXXX and I am representing myself and my credit report in a whole. 

The Arizona Usury law clearly states that it limits interest rates at XXXX XXXX That If a bank or lending institution charges more than this interest rate, it will incur penalties. 

You claim this account that is on my report now, had a limit of {$1000.00}. Your balance per letter attached to my last claim was {$1900.00} which is well over the XXXX XXXX Arizona law limits per year. Also, your reporting states I owe {$1900.00} on XXXX, but {$1900.00} from what you've provided to me and the CFPB, per their records and mine. 

This is a clear violation as if the reporting is even off by a XXXX it invalidates the debt. Thus, for these XXXX reasons, the debt has to be deleted per my rights as a United states citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit account with XXXX. In XXXX of 2016 I missed a payment by mistake. The card was a new one and I do not recall receiving a statement. I received and email stating it was past due. I paid the account at that time. I have no other late payments with them or any of my other cards. I submitted the documents and the letter that I am enclosing to them with no response. I waited until XX/XX/XXXX and decided to give them a call to plead with them to remove this 39 day late from my credit report. I am also enclosing the letter they finally sent me in regard to this. I have no other bad marks or late payments with them and I just feel they are being unreasonable and unfair. I would appreciate anything you might could do to help me with this. <P/>Thank you
Product: Checking or savings account

This is the second complaint regarding my bonus not received. I sat down with the flier that was mailed to me with the XXXX branch manager XXXX XXXX. He says a promotional code was not provided to him. It was. He's suffering from a memory lapse, " misrepresenting the truth '', or covering his tracks. It's become a he said she said moment at this time. You can be proud of your manger as he saved the bank 300 bucks.
Product: Credit reporting 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 : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX, Account name : 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

I was a customer of XXXX and I think I was a victim of XXXX cramming charges. It was verified and validated through their website. This account is currently with Midland Credit and I believe the debt is inaccurate due to cramming charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX. On XX/XX/2022 I despatched a letter regarding an accurate and unknown things on my credit file to this present day over 45 days later I have now not received a reaction yet. I sense like Im being taken benefit of and being neglected. Section 611 ( a ), It states that a failure to research those items inside 30 days offers a motive to right now put off the ones objects from my credit document its been over forty five days so that they must be deleted right away. I call for that those bills be deleted immediately or I will report for litigation due to the stress you have precipitated me. My facts become also impacted by using the Equifax information breach and can are becoming into arms of the wrong character.
Product: Debt collection

Someone " located '' in Texas, opened up several utility accounts in my name, i.e. XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX ( that I know of at this time ). Since I was unaware of these accounts, they ended up in collection. I was a victim of identity theft and these and any further accounts need to be removed from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I am unable to get my Experian credit report. This has been a persistent problem.

2. My XXXX credit report shows a drop in my credit score of XXXX XXXX even though there has been no negative reporting on my report.

3. My XXXX  account shows no update to my Experian and XXXX credit scores since XXXX XXXX XXXX

4. My XXXX  account shows no update to my XXXX credit score since XXXX XXXX XXXX.
Product: Credit card or prepaid card

Spoke with Pay pal and had to fight over a month for a XXXX transaction thru XXXX, dated XXXX from pay pal credited XXXX, as its XXXX no refund yet- credit financed thru Pay aPal set up 4 pmts. After filed a complaint over 6 weeks ago and had to fight re this scam from a XXXX vender that pay pal continues to do business with, and well aware of the companies return policy and cancellations, plus a scam, they refused to refund my money back after Paypal required me to send pics and screenshots, return at my cost in the amount {$450.00} to send it back to XXXX while pay pal low down integrity to offer me a XXXX credit to send back for a XXXX XXXX, XXXX  fee to XXXX. This clearly tells you how low down Pay Pal and Pay Pal credit is, their intent is to blow you off, buy time, require you to pay in full and never resolve issue but to mislead you to make u think they're helping so you would stop calling and in hopes that you would leave them alone and disregard the issue. They could care less if the company is doing bad business and even if comp located in XXXX doing bad business, they even admitted to me how these wig companies are the # 1 issue, as they continue to do business with XXXX and the scams that they are running. Pay Pal had no attempt in treating USA customers fairly and as long as they can make interest off of it and benefit by $ they will continue to do business with these companies and if it wasn't their intent they would stop doing it. If Pay Pal XXXX makes XXXX off of you that is a mission and a success ; bc I assure you when they respond will do everything they can to cover their mistakes and the illegal actions along with how they treat customers like myself. I spent valuable time and much efforts in getting this resolved and still after notice dated XX/XX/XXXX, l would receive a refund. Have not received-I called XX/XX/21 as their poor rep barely can speak English, cut you off and refuse to listen to the issue, they are incompetent and refuse to assist. I had to call 3 times re this issue as they hung up on me and refused gto allow me to tell them the issue. I have rights and this refund should have been completed as they still are sitting on it.They debited funds from my XXXX Debit card 4 times totaling over XXXX and claimed they'd send a check. Refund my money the way you charged me as they still have not reimbursed me, Due to the fact that they're still sitting on this, I want double the amount back. They do what they want when they want-do I not have any rights here? They play low down and dirty intentionally. Pay pal credit also sent a notice to me dated XXXX re act ending in XXXX, denial letter when I NEVER APPLIED FOR CREDIT! So XXXX  just pulling credit without out my authority, not only this- they also sent a letter telling me they lowered my credit line after a few months and never had any bad transactions unpaid or late. How dare they. As stated how many times do they get to commit illegal actions and treat me unfairly?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Debt collection

I have continuously asked for a Debt Validation, and several other items, and I have not received anything I asked for. This debt Charged off, XX/XX/XXXX, however they have continued to update the account every single month, and last updated it again in XX/XX/XXXX, making it re-age on my credit report. 

Also, a Charge Office reflecting {$0.00}, means they have sold this debt to a third party, so they are reporting it on my credit updating it every month when the debt has been sold. 

As per 15 U.S. Code 1692c - Communication in connection with debt collection, I notified Money Lion that I want them to cease further communication with me, except to advise me that further efforts are being terminated. Reporting on this debt/updating it on my credit report every month is a form of communication. 

They are violating my rights, and I demand this account be removed off of my credit reports.
Product: Credit reporting 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 : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: 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 U.S.C 1681. 

XXXX XXXX XXXX {$1700.00} {$15.00} U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

These folks are calling my Phone # every day looking for XXXX XXXX. My name is XXXX XXXX XXXX and that phones # is in my name.
Product: Credit card or prepaid card

On XX/XX/2018 I filed a fraud complaint with Bank of America and received a new debit MasterCard which I didnt even activate for at least 10 days. Imagine my surprise when I signed into my account and discovered that yet another charge from the same company was charged to my account and another attempt was made yet again!! I did not give that vendor my new card number purposely as I no longer trust their security and no longer wish to do business with them. I purposely attempted to make a purchase which went through!!! I am not losing my mind YET but I am sure that I did not update payment info with them!!! So I decided to go into my account and was shocked to find mt new card number on file! I contacted Bank of America and after over two hours on the phone found out that as a COURTESY to me they give vendors your new number! I did no9t authorize it was not consulted about it, nor would I have allowed this to occur! The only way to get my money back was to file yet another complaint against the vendor! I allowed this against my better judgement because I feel whoever gave out my new information should be responsible for this charge!!! This is not a courtesy its a breach of trust rendering obtaining a new card a worthless action on my part! Who are they to hand out my financial information to anyone! I was on the phone for 3 hours with them only to be told they have no idea who does this COURTESY however they know it is done!!! I am insensnsed and so angry with the breach of trust in this institution for handing out my financial information!! I told the rep I was speaking to that I was going to contact your agency and she advised me to do just that!!!! Im sorry but I feel this can not or should not be legal!!!!!
Product: Checking or savings account

On XX/XX/XXXX I deposited a payroll check into my USAA checking account. USAA cancelled the check as it was written to my business with XXXX notice or opportunity to provide appropriate documentation to show that the check was written to me. USAA has been completely unhelpful in dealing with the fees associated with over draft. They have no failsafes in place to catch issues like this and no available remedies to assist customers in resolving overdraft fees or to stop the excessive fees. The information is buried in terms and conditions and the consumer has no way to know this information.
Product: Vehicle loan or lease

I filed bankruptcy on XX/XX/2018. I have a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OK. I had financial difficulties and was not able to make a payment. This was during my bankruptcy. I finally got my discharge in the mail on XX/XX/2018. When I talked to the representative today, I was told that " we are not going to put a payment at the end of the loan because you are behind ''. This late payment was during the bankruptcy and it was my understanding that they could not come after me for that payment. I never have been behind on any payment the whole time I have had the loan. I only get paid once a month on Social Security and I am a senior citizen with health issues. All I am asking if for some help with some kind of arrangement. They are the rudest people ever!!
Product: Credit card

THIS CREDIT CARD WAS OPENED WITH OUT MY KNOWLEDGE, I HAVE BEEN XXXX  SINCE XX/XX/XXXX. 
LVNV FUNDING LLC STATES IT OPENED IN XXXX THE AMOUNT IS XXXX.
Product: Credit reporting 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 : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 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: Credit reporting, credit repair services, or other personal consumer reports

This account is not reporting on credit any longer. The account is in good standing and I would like for it to report on my file correctly. Thank you XXXX XXXX- # XXXX
Product: Student loan

On XX/XX/2022, I called Mohela to request a refund for payments during the XXXX pandemic. During the phone call, they approved the refund request, and stated that the funds would be in my account within 30 days. The refund was never processed. I have tried calling them on multiple occasions starting on XX/XX/2022. Representatives do not answer the phone, and hold times exceed over XXXX hours. I have also attempted to reach out to them using the " Contact Us '' portal on their website, and I have not received a response that way, either. I would appreciate any assistance in this matter, and would like an update regarding the status of my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX  and I have tried sign into Tesla 's Partnership program as a XXXX for the XXXX XXXX XXXX XXXX to install are become a partner. Tesla has denied me the opportunity to do so but they have included other all XXXX companies to do so. I am XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX {$5100.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7800.00} XX/XX/XXXX XXXX  XXXX XXXX {$820.00} XX/XX/XXXX XXXX  XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUION has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means TRANSUNION didnt exercise there grave responsibility to my consumer report. TRANSUNION was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed TRANSUNION XXXX writing to furnish this report and never consented to this report of XXXX XXXX XXXX NUMBER : XXXX  as well as XXXXXXXX XXXX  INQUIRY ON XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So TRANSUNION just assumed that TRANSUNION they could report this and TRANSUNION never had my permission and stole my identity to report on my behalf.. As stated on the back of all billing statements from XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Which correlates directly with 12 C.F.R. 1026.11 ( a ) as well as proof that {$4300.00} was the total amount of money I was owed since such amounts were on my billing statements every month. So I was owed this amount as these amounts where owed to me and was credited to my account in which XXXX has been falsely reporting with TRANSUNION.