23daVinci/CFPB_Complaints huggingface dataset:
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. has violated my rights. 

XXXX XXXX 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: Credit card

I paid the paper on my credit card before the due date. XXXX days later I paid the card off in full. I had a XXXX balance for XXXX days, then received a bill stating I owed {$83.00} in interested. I called the company and spoke to a representative and was told its in the terms and agreements that interest can not be waved. I know that to be untrue so I requested a supervisor. The supervisor said she will see about waving the interest since my account was paid in full and I was a card holder for XXXX  years but said there was not an option to do so. I requested to have the situation escalated and was told she will file a complaint but to not expect a call back or anything. I was given false information from the first person and offered no help or solution from the second person I spoke with. Ive never missed a payment in XXXX  years. Ive only been late because Ive paid the payment after XXXX eastern time on the due date when I live on the XXXX  coast and have never gone by XXXX.
Product: Debt collection

I received a letter in the mail dated XX/XX/2023 stating that Debt Recovery Solutions were trying to collect for XXXX XXXX XXXX XXXX XXXX XXXX. Believing this was a fraudulent letter, I did not respond as I did not recognize that medical facility. I also reviewed the medical facility who has multiple fraudulent reports similar to this. I then received another letter on XX/XX/2023 stating I owed the same amount. ( {$620.00} ) but could pay now for a discount ( {$460.00} ). Again, I believed this to be fraudulent mail. This account was opened on my credit report on XX/XX/2023 for dates of service on XX/XX/2023. I attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX through an automated system to find my account or billing information to no avail. The system could not find me. I then resorted to the XXXX. I submitted a XXXX claim on XX/XX/2023. It was closed on XX/XX/2023 due to a lack of response from the company. I then submitted a dispute through XXXX on XX/XX/2023 stating that I had no knowledge of this account. It was updated on XX/XX/2023 stating Dispute information was verified as accurate. Today ( XX/XX/2023 ), I contacted XXXX XXXX. I spoke with 4 people : XXXX and XXXX ( supervisor ). Two of the individuals hung up before I could verify the names. All of these individuals looked up my information and informed me that I was not in their system. XXXX checked both the emergency medicine system and their general system and noted that I did not have an account there. Following these calls, I contacted Debt Recovery Solutions multiple times via phone attempting to speak with someone about this credit. I received no answer. I was unable to leave a voicemail. I was unable to be redirected. Given that XXXX XXXX has no record of me, I am inclined to think this is, again, fraudulent reporting. I would like for this collections report to be removed from my credit history.
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX  days.These are causing defamation of my character and my public appearance. I will have bo choice
Product: Payday loan, title loan, or personal loan

In XX/XX/2019 I obtained a {$5700.00} loan from Allied Data LLC DBA Personify Financial. My payments were {$190.00} every other week. My first few payments I made well in advance and they were not applied but returned, I had to call as I was getting harassing emails and phone calls saying my payment was late, when in fact it was early. 

Secondly, since XX/XX/2019, they are applying 100 % of my payment to interest and nothing to principal even the amount that I pay over the minimum payment of which I was told goes directly to principal. 
They said that interest is computed daily, so by not applying my payment correctly to both interest and principal, they are increasing the amount of interest they will be paid instead of correcting reducing the principal. 

I have called approximately 4 times over the past month to have this fixed and have been told each time someone will get back to me in 5-7 days, NEVER has anyone called back. 

Lastly, they incorrectly reported consistent late payments to the credit bureau and caused me a {$3000.00} additional rent deposit as a result.
Product: Credit card

American Express makes offers where if you buy a XXXXamex pre paid hotel you get 10 % back on your offer. I used promo as advertised they say I didnt that I used it under XXXX I paid {$360.00} dollars for this hotel waiting to get {$36.00} dollars back in credit. American Express said they cant do anything about this because its the merchant. They shouldnt advertise promo they will not stand by.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CONTINUES TO REPORT A 90 DAY LATE ON MY CREDIT FILE. THIS IS INCORRECT. THIS ACCOUNT HAS BEEN CHARGED OFF ON XX/XX/2019. THIS INFORMATION IS FACTUALLY INCORRECT. THIS ACCOUNT WAS ONLY VERIFIED FOR MY NAME AND ACCOUNT NUMBER. THE ACCURACY OF THIS ACCOUNT HAS BEEN REPEATEDLY IGNORED. 
THE CREDITOR REFUSES TO GIVE THE CREDIT REPORTING COMPANIES PROOF OF THE LOAN DOCUMENTS, DATES OF DISCHARGE, PAYMENT HISTORY, AND CORRECTLY REMOVE INACCURATE UPDATES TO ALL CREDIT AGENCIES. 
I AM FORCED TO FOLLOW UP WITH THE CFPB, FTC, EQUIFAX, XXXX, AND XXXX MULTIPLE TIMES. THIS HAS RESULTED IN COUNTLESS HOURS OF EMAIL, AND PHONE CONVERSATIONS. I BELIEVE THIS CREDITOR CREATES THESE OBSTACLES TO RESTRICT CONSUMERS FROM A PROPER RECOURSE TO THE NEGATIVE FILINGS. 
REPEATEDLY REPORTING C/O EVERY MONTH NOT INDICATING WHEN/IF THE ACCOUNT HAS BEEN SOLD NOT REFLECTING A {$0.00} AFTER TRANSFERRED/SOLD ( DOUBLE JEOPARDY ) REPORTING INCONSISTENT BALANCES ACROSS BUREAUS DATE OF FIRST DELINQUENCY ILLEGALLY BEING CHANGED CHANGES AFTER 180 CHARGED OFF STATUS
Product: Checking or savings account

At the beginning of XXXX two separate bill payments were sent from my Chase XXXX account. The intended recipient was my XXXX  XXXX XXXX checking account. The funds never arrived in the XXXX XXXX  XXXX checking account and instead were sent to something called XXXX XXXX XXXXXXXX XXXX which may stand for XXXX XXXX XXXX. 

I have attempted to work with Chase claims as well as its online support and escalations department since. I have also worked extensively with XXXX XXXX XXXXXXXX as well. 

Chase insists that the funds were transferred per my instructions. But what I have found from XXXX XXXX  XXXX is that the funds were not sent to them. Instead, they were sent to some other company that handles investments like XXXX XXXX. 

I need Chase to help track where my funds were sent and help me in retrieving the funds with whoever it was that received the transfer. I have asked for this repeatedly but they instead just take a claim and respond denying to take any action. 

They state the following : We found that the transaction ( XXXX ) was sent according to the recipient 's email/phone number and the instructions you provided. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 

I know that the funds were transferred incorrectly, and I need Chase to help in recovering the funds. Chase has tracking numbers that they should be able to use to identify the recipient and then help to work with them to refund the transfer to my XXXX account. Chase is the only XXXX who can do this, as I can not identify the receiving institution and even if I could, they would insist that Chase works with them directly as the sending bank. 

In addition to helping to recover my funds, I feel that it was too easy to send this money to the wrong recipient. Chase should have more comprehensive instructions in its bill pay system as well as a process for checking and rebounding funds sent to the wrong place. In this case, my XXXX XXXX XXXXXXXX account number was used in this transfer and once the system read that the number did not match the accounts in the destination, the system should have blocked the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Checking or savings account

CORRECTED earlier submission had wrong attachment : Capital One Bank 's response is false to my earlier complaint COMPLAINT ID XXXX. The electronic payments were made payable to XXXX XXXX instead XXXX  XXXX as I requested. Proof of this was received late XXXX by the subpoena from the subpoena department of Capital One Bank. In XX/XX/XXXX I requested a refund to correct the bank 's error, and I sent a copy showing payments to XXXX XXXX instead of XXXX  to the office of the president of Capital One Bank after speaking with XXXX of that office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rented a car from XXXXt and made the full payment. However my account was sent to collections. I believe this is fraud. As I have already paid for the services, the company is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Upon checking my consumer report, I noticed an unknown hard inquiry on my consumer report. This is inaccurate information from a company unknown to me. 
Information to be deleted : XXXX XXXX XXXX Experian XX/XX/year> I also would like to show the fact that Experian has not allowed me access to my consumer report through Annual Credit Report or Experian.com I have had to rely on other sources to access my consumer reporting information. 

I would like an updated copy of my file and reports from Experian via mail and online through Experian and XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

On  X/X/17   , I paid for a meal at the restaurant,   XXXX   XXXX  , in the amount of {$790.00} located in the  XXXX   XXXX ,  XXXX   XXXX . I specifically used the   XXXX   XXXX   XXXX    American Express  card to pay for this meal based on its  10X M embership Rewards for restaurant purchases. When I received my statement, I learned that the charge was coded as " lodging '' instead of " restaurant '' and so I did not receive my anticipated bonus Membership Rewards,  10X  the amount of the charge, from  American Express,  but instead just the  1X M embership Rewards.     I called  American Express in  an attempt to amicably resolve the Membership Rewards discrepancy and was prepared to furnish copies of the restaurant receipt to verify that it was a restaurant charge and not a lodging charge. I was informed by  American Express  that they will be unable to correct the discrepancy and therefore I would not receive the bonus Membership Rewards because the restaurant,   XXXX   XXXX  , coded the charge as lodging. I was also told it was my responsibility to verify with the restaurant beforehand that the charge would code properly under the restaurant category on my credit card statement. This prerequisite is not listed under their   XXXX   XXXX   XXXX   Membership Rewards promotional terms.
Product: Debt collection

When I call the phone number listed on the letter, it doesn't work. I don't know what the debt is for.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX XXXX & Experian along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to my credit report.
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 and Dept of EducationXXXX XXXX XXXX  XXXX XXXX XXXX ) and XXXX XXXX XXXX All of the proof of these accounts are provided in the attachments The following have 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 instructions15 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 or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX RE : Fraudulently Obtaining Consumer Credit Reporting Information To Whom this notice may concern, You are in violation of Credit Reporting act 15 USC 1681 ( b ) for unlawfully obtaining my XXXX, XXXX, TransUnion and XXXX XXXX XXXX XXXX consumer report without my authorization and permissible purpose under the Fair Credit Reporting Act. 
As a result of you unlawfully obtaining my consumer report without my permission, you are liable to actual damage or statutory damage for up to {$1000.00} in punitive damages. I am willing to settle this matter without admitted liability. Cease and desist on obtaining copies of my consumer report from consumer reporting agencies and pay me {$1000.00} in punitive damages and deliver it to my address above within the next 14 days of receiving this demand. 
Please be advised that I am prepared to place a commercial lien on your company if you refuse to comply with this demand. 
At the time of received payment this letter will become a general release of all claims herein. 

Kind regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

User Name : XXXX User name is no longer valid on the Experian website, tells me there is an error but this error seems to be ongoing 3 days later.
Product: Checking or savings account

I was a victim of identity theft this year. My social security number, name, address, and phone number were posted on the dark web as part of a hack on my employer 's former benefits manager. Someone has opened a checking account with Card.com in my name using my phone number. I am receiving text messages from Card.com for someone named " XXXX XXXX ( the thief? ). Card.com does not have a direct support line; you can not reach a human being there unless you know the card number associated with the account ( of course I don't know this because a thief opened the account and has the debit card in their posession ) ; repeatedly pressing 0 and # does nothing. I emailed Card.com three times requesting the account be closed, but they never even acknowledged my email. Card.com doesn't care about identity theft!
Product: Credit card or prepaid card

I received a late payment notice for non-payment of my XX/XX/2018 credit card bill with US Bank/XXXX XXXX, although I had made more than the minimum payment. The company mis-posted that payment to XX/XX/2018, although I had already made more than the minimum payment in XX/XX/2018 on the due date.
Product: Debt collection

I am writing about a late payment reported on XX/XX/2019 on the following account with BANK OF AMERICA : Account number : XXXX Opened date : XX/XX/2019, credit limit : {$500.00} The reason why the account was late was because a third-party company was supposed to make the payment. Later, I realized that the account was reported late so I contacted them. They explained that the payment was not processed as normal, and they apologized. Of course that it did not solve the issue. I am now being reported as late. 

I was not aware of this late payment. This was not a money issue or even worst, that I did not want to process my payment on time. 

Please feel free to contact me. I need to solve this issue as soon as possible. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to XXXX, Equifax, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX Dear cfpb Subject : Dispute of Inaccurate Information Request for Compliance with FCRA Dear Sir/Madam, I am writing to formally dispute the inaccurate information that appears on my credit report provided by your agency. Upon reviewing my credit report, I have identified the following item ( s ) that I believe to be incorrect : [ List the inaccurate item ( s ) on your report and the reason you dispute them. ] Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( o ), which addresses civil liability for negligent noncompliance, I am requesting that you conduct a reasonable investigation of these items. Your failure to properly investigate or rectify the information could result in legal action based on negligent noncompliance with the FCRA. 

As stipulated in the FCRA, you are required to complete an investigation within 30 days and provide a response to this dispute. I expect this issue to be corrected or clarified promptly to avoid any further escalation of this matter. 

If you find the information to be accurate, I kindly request that you provide documentation supporting the validity of the data reported. If the information is incorrect, I ask that it be removed or corrected accordingly. 

Please provide me with an updated copy of my credit report after completing the investigation and any adjustments made. 

Thank you for your prompt attention to this matter. If you need any additional information from me to process this dispute, please let me know. 

Sincerely,
Product: Credit reporting or other personal consumer reports

SPS ( Select Portfolio Services ) purposely failed to report my good standing payment history in violation of non compliance of the Fair Credit Reporting Act ( FCRA ), 15 u.s.c | 1681 et seq. The only way I could obtain the accurate month of reporting of payment is by calling SPS by phone and making a verbal complaint - thus, they will report for that particular month only ; thereafter the proceeding month SPS will not report my payment history. Except if my account goes into default or late payment SPS will report on time the late payment ( XXXX ) or if account is in default accurately. Any and all 'good standing ' will not be reported uless I make an effort by phone call and make the demand. This violates ( FCRA ) Section 623, 601, 603,602, 616, 617, and 621 code ( s ) an any or more that applies. This matter has occur in the beginning of XXXX XXXX when SPS has taken control of my account; including the incident of non compliance to the credit bureau of XXXX XXXXup till today. This matter has been also brought to the attention to the DOB ( Division Of Bank ) on or about XXXX regarding SPS failure to comply with the FCRA violation .