23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a member of Chase Bank since XXXX without any issues. I started noticing about XXXX of XXXX, my checking, savings and credit card accounts were incorrect. First problem that I reported was a prepaid Chase XXXX card was also on my account.I called Chase and they indicated there was not any transactions. I changed my online password and debit card pin. I noticed fraud on my account again. Credit card and bank account were both charging me for a transaction that I would use on my debit card. I reported it. I closed down my accounts and gave the cards to the VP at the branch. I disputed the charges first on my debit and the fraudulent credit card accounts with their fraud department. I spoke with Chase bank last week and they just now located a XXXX payment that never got applied in XXXX of XXXX plus other payments that I made until XXXX. They indicated I was responsible for the charges on both credit cards which were the same amount and transaction since I made a XXXX payment in XXXX, which I did not. I had already reported the fraud and was only using cash. Chase bank also indicated that they have no record of me speaking with their fraud department which I have letters from that department on the credit card issues and the debit card account plus my savings account. They asked me to send the paperwork but I received the bank statements from them and they can call the chip program to see all the charges. They also told me I couldn't get another credit card and come to find out they reissued another card which I don't have with the same charges. While doing more research I noticed my credit card was hooked up to an XXXX XXXX card which I do not have nor have I ever owed an XXXX XXXX card. I have a retirement accounts there which I was never told about. I am now in the process of researching them to see if any of my retirement accounts have been cashed without my consent.
Product: Vehicle loan or lease

FORD MOTOR CREDIT HAS REPORTED A CHARGE OFF ON MY CREDIT REPORT FOR A CAR LEASE I WAS NEVER LATE ON IN FIRST PLACE ... The Ford issue is still bugging. The lease there I paid every month w/o delay until the end of the lease. Then we run into a heavy disagreement for charging me for the electric cable ( and other charges related to overly wear and tear of the car ) which I had returned to the dealership. The dealership promised I would not have to pay, but then they did not work it out with Ford and I was left in the doldrums. My only motivation to pay an agreed sum in the end was to get this off the report. FWIW I still have the message from the dealership that I dont have to pay anything and they take care of it on my XXXX XXXX. This entire interaction was so painful and disrespectful that I will never deal with the dealership nor with ford ever again ( i had always owned at least one ford car up to that point ... ) .The sticking point was the cable I had returned and ford credit still insisted on charging me on grounds of a late return. This bullying I could not accept but - frustratingly - also not escape.At least I hope the credit reports can state the reason why I dispute this and that the company refuses to remove the item from the report despite my conditional settlement ( even though this was with third party - the agency or lawyers they instructed to go about delinquent accounts. But they hired them and it is another negligence of communication on their part if my condition has not been communicated ).
Product: Debt collection

I received the e-mail attached below. I am not XXXX XXXX. Also, the debt collector is based in Nevada and is violating Nevada law which has a six year statute of limitations and this judgment is from XXXX.
Product: Checking or savings account

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I was a victum of fraud I tried contacting both parties to resolve this issue but received no help. 

Contributor 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 : States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) : 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 ) : States 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: Student loan

I took training and bought equipment in XX/XX/XXXX at XXXX XXXX solutions. I received a loan from XXXX XXXX for {$7200.00}. The interest started out at XXXX per cent. After being late the interest ballooned to 20.78 percent. I attempted to lower payments but the servicer stated that the idea was that I would pay the loan for life. In XX/XX/XXXX I became totally XXXX and filed a chapter XXXX Bankruptcy based on poverty and total XXXX. National Enterprise Systems, a debt collector, state the description of the loan as XXXX XXXX XXXX. They state that I owe XXXX. I never borrowed money for this discription. School Code is XXXX. XXXX is not a school. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. I bought equipment and took training with the funds. It was my understanding that this was a personal loan. 
After requesting documents, National Enterprize Systems, sent copies of my orginal application with XXXX. Within the packet a memo appears that the loan was changed from the above amount to {$10000.00}. There is missing information on the loan application as noted on the forms. My credit score was XXXX. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Company ( opened XX/XX/XXXX ) {$150.00} XXXX XXXX XXXX ( opened XX/XX/XXXX ) {$550.00} XXXX XXXX ( opened XX/XX/XXXX ) {$630.00} In accordance with the Fair Credit Reporting Act, the companies listed above have violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy.

15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish an account without written instructions. 15 USC 6801 states the protection of nonpublic information. 
The Fair Credit Reporting Act ( FCRA ) includes a section known as permissible purpose. 
It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual 's credit report. 
15 USC 1681 ( 1 ) ( a ) ( b ) ( i ) ( 3 ) states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. A consumer may elect to have the consumers name and address excluded from any list provided by the consumer reporting agency under subsection ( c ) ( 1 ) ( b ) in connection with a credit or insurance transaction that is not initiated by the consumer. 
Please be advised that under Federal Statues, the Fair Credit Reporting Act ( 15 USC 1681 et seg ) and my consumer credit statutes and subtitles D of the ARRA, section 13401, Application of Security Provisions, and Penalties to Business Associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health record acquisition of such information without the authorization of the individual you may be held liable. 
Please note that these liabilities are under the penalty rules of the Omnibus Finale Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH ) as issued XX/XX/XXXX. 
HIPPA and North Carolina 's medical privacy statutes and the provisions of the ARRA section D, privacy provisions, the penalty rules of the ( HITECH ) Act as issued XX/XX/XXXX and the Omnibus Finale Rule were effective XX/XX/XXXX and the Fact Act final rules XX/XX/XXXX, are in effect in this situation. The Privacy Act prohibits a covered entity from using or disclosing an individual 's Protected Health Information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Act.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the bankruptcy court asking them to send me of how they report bankruptcies to the reporting agencies, I got a letter back which will be attaced to my complaint saying that the court does NOT report public records to any reporting agencies. so i sent this letter to Transunion and told them that the court does not report this public record and to supply me with the furnisher of this information as sub section 611 of 15 USC 1681 ( I ) requires and they just sent me a letter saying it was verified without giving me the furnisher as required
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent {$450.00} through Zelle to a person in XXXX for a product and they never sent it to me. I tried contacting them several times since then but they will not respond
Product: Credit reporting or other personal consumer reports

LexisNexis risk solutions is reporting information on my report that is not mines i never gave LexisNexis permission to report anything in my report i also dispute information in they file was inaccurate but for some reason they still reporting under 15 usc ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personsC ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] my right are bring violated i would like to also know that i gave them a written concent to remove all reporting they have as sage stream.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Checked My Credit Report and notice some fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

Re : Dispute of XXXXXXXX XXXX XXXX XXXX Dear [ Credit Bureau ], I am writing to formally dispute the inaccurate and unlawful reporting of the above-referenced XXXXXXXX XXXX XXXX XXXX account on my credit report. This company is in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and is engaging in misleading, false, and deceptive practices that infringe on my rights.

1. Failure to Provide Validation of Debt : Under 15 U.S.C. 1692g, I have the right to receive proper validation of the alleged debt, including details regarding the amount owed, the original creditor, and supporting documentation to substantiate their claims. Despite my attempts to resolve this issue directly with XXXXXXXX XXXX XXXX, they have failed to provide the required validation, yet they continue to report a charge-off on my credit report. This failure violates federal law. 
2. False and Deceptive Reporting : Reporting a charge-off without validating the debt or providing supporting documentation is a misleading and deceptive practice. This is a clear violation of my rights as a consumer and contradicts the standards set by the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

As a consumer, I am entitled to {$1000.00} per violation of my rights under the FDCPA. XXXX continued failure to validate the debt and their deceptive reporting practices constitute multiple violations. I demand that these accounts be removed from my credit report immediately or that I be compensated as per federal law. 

I have made good faith efforts to resolve these issues directly with XXXXXXXX XXXX XXXX but they continue to disregard my rights. Therefore, I am requesting that the credit bureau take immediate action to investigate this matter and correct my credit report. 

Under the FCRA, you are required to conduct a prompt and thorough reinvestigation of disputed information and notify me of the results within 30 days of receiving this letter. 

If this matter is not resolved promptly, I am prepared to escalate it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this account or a resolution that is in compliance with federal law. You may contact me at [ XXXX ] or XXXX if further information is required. 

Sincerely, XXXX XXXX [ Last Four Digits of SSN XXXX XX/XX/1992 Let me know if youd like additional edits or enhancements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX  XXXX 5. XXXX 6. XXXXXXXX 7. XXXX 8. XXXX XXXX According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Product: Mortgage

On XX/XX/19, I closed on my property in XXXX, XXXX XXXX. The lender for my VA loan is Cardinal Financial. My mortgage payment with escrows was XXXX. A month after settlement, I received notification that my payment was changing because I was being charged {$2400.00} for Hazard Ins. I had insurance in place at settlement and money was being escrowed for taxes and insurance. I am a first time homeowner and didn't understand what was going on. My sister takes care of making my payments as I travel and it is easier for her to do it for me. We kept making the mortgage payments -all on time- but XXXX was taking the money from the mortgage payment to make the difference with the escrow for the insurance I did not need. I kept getting phone calls in the evening asking for $ XXXX for late fees and my XXXX payment which was made and marked received on XXXX. I am tapped out and all this because they gave me a {$2400.00} policy I didn't need. I am a XXXX  Vet. with XXXX yrs of service and my retirement is {$1700.00} and change a month. I called XXXX today and held the phone for over 20 mins. How do I get this Hazard Ins.  removed from my escrow? And, all this was done after all paperwork was done and signed.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. It was financed through Chrysler Capital. The account number is/wasXXXX. I was a XXXX XXXX in the XXXX XXXX at that time and had let my father handle my finances while I was working in the legislature including paying bills such as this. My family learned he had XXXX XXXX XXXX in XXXX of XXXX and that he had not been paying my bills due to the memory issues. I immediately called Chrysler Capitol as part of trying to address this and other bill issue. The loan was 90 days late at that point. I explained the situation to Chrysler Capital, I paid to bring the loan current, including the late fees, and put the loan on an automatic payment plan. I was not told there was a problem with my loan and there was no effort ever made to repossess the vehicle. I made onetime payments for the next 3 years until XXXX of XXXX when I checked my credit and discovered that the loan had been charged off in XXXX of XXXX. I was never given any notice of this or any opportunity to pay off the vehicle, refinance with another lender or otherwise correct the problem before there was a charge off. There was never any attempt to repossess the vehicle. Yet Chrysler reported the loan as charged off for 2 years, did not report anything for an additional 3rd year and had the balance listed incorrectly. All the while they were accepting my onetime payments and making interest off the loan while at the same time writing off the loan on their taxes. This greatly impacted my credit score and my ability to get a home loan. I tried, unsuccessfully, to get the matter corrected. All they did was to report the additional months of the loan being charged off and corrected the balance to show the lower amount from 3 years of on-time payments. That actually made my credit score worse. I ultimately paid off the vehicle in XXXX of XXXX to avoid further negative reporting. They should not have been able to both charge off my loan and accept payments onetime for 36 months after the charge off and report my loan as charged off each month. They basically got to double dip by getting the loan payments and interest - on time and got the tax write off for charging off the loan while negatively affecting my credit all that time and for the foreseeable future. I am seeking to get the negative reporting removed as the I was never given notice the loan was charged off, never given the opportunity to sell, pay off or otherwise prevent the charge off and I made the onetime payments for the 36 months after the problem occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my Rights. 

XXXX XXXX  # XXXX XXXX Auto # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX 15 U. S. C. 1681 section 602A -- -- states I have a right to privacy.

15 U.S.C. 1681 section 604A section 2 -- -- States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I sent capital on a certified letter asking them to send me a 1099c form due to the account charged off and I never received a responce
Product: Prepaid card

I got email this morning from BRINKS Money claiming the following : " We mailed your new Brink 's Prepaid MasterCard ( XXXX ) today! It should show up ( in a plain white envelope ) very soon '' and asking me to activate it. 

At no time I applied for this card. I called them and they said it was just an advert asking me if I want the card or not but there was nothing advert sounding about the email. It is designed to make people believe that they applied for the card because the email expressively stated " You received this email because you have a Brink 's Prepaid MasterCard. We value your privacy and our relationship. View our online privacy policies. If you no longer want to receive feature updates, card benefits, and promotions from Brink 's, unsubscribe or mail your request to XXXX. XXXX XXXX, XXXX, TX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account # XXXX with XXXX XXXX was obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the XXXX  XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to XXXX, Equifax, and XXXX who are still reporting fraudulent information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Transunion permissible purpose to report anything to my account. They violated my right by reporting inaccurate information pursuant to 15 usc 1681b
Product: Student loan

Loan company is stating I have reached the maximum amount of deferment for my loans, but I do n't remember there being a maximum timeframe listed in the documentation for my loan that I signed when I received the funds.
Product: Debt collection

I received a collection letter for a medical bill. When i went to pay online there were 3 options. E-check, credit card, or HSA. When I attempted to use the E-check option, it failed to process 3 times, and directed me to call customer service. To avoid long wait times on the phone, I ended up paying by credit card, which included a {$23.00} convinience fee for a {$390.00} bill. The transaction fee seems predatory because I don't know of a single credit card company that charges an almost 6 % transaction fee. Although, they gave the option to pay by bank account, it almost felt like the option was set up to fail so that people would default to paying by credit card, and paying the exorbitant fee.
Product: Credit reporting

Between XXXX/XXXX/15 and XXXX/XXXX/15 I have had XXXX hard inquiries appear on my Transunion credit report. XXXX inquiries through XXXX, XXXX through XXXX and XXXX through XXXX XXXX XXXX. All of these inquiries were an attempt to get credit cards with my identifying information. I have put a credit freeze on my information and credit alerts through Transunion. I also received a letter from XXXX indicating that XXXX hard inquiries were made to my credit report by XXXX. XXXX reported that they have been hacked. I want all of these hard credit inquiries taken off my credit report due to the fact that I have never applied to these companies for credit cards or other services. These hard inquires are causing by credit scores to go down.