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

Discover has violated my rights as a federally protected consumer. They provided my information to a ( 3 ) third party entities which is a direct violation of their own privacy act and 15 USC 6802 - 15 USC 6805 ; a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given notice to opt out and now theyve damaged my credit profile! XXXX, XXXX, and XXXX has also violated this law and furthermore have been reporting transactions between me and the financial institution Discover. 

Ive also written to Discover as instructed in the monthly statement mailed to me by the company ; claiming the credit balances on XX/XX/2022. They have yet to remit and apply this to my account. I havent been able to use my card since XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a multiple request and asking, how they verified this account as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this account XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX : {$390.00}
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer of USD XXXX from my XXXX XXXX XXXX, New York account to my JP Morgan Chase Bank account on XX/XX/XXXX. 

After waiting for a few days, I told XXXX that I still had not received the funds on XX/XX/XXXX. Then, XXXX sent two internal messages to Chase for a check-up but got no response. 

About XXXX, XXXX sent me the proof of remittance and we realized that I mistakenly put the account number for Chase off by XXXX digit. I went to the local Chase branch and told the manager the situation, and I started the recall request from the sending bank. 

After that, Chase informed me that the fund had been deposited to the incorrect recipient even though I provided my full name and address for the wire. Till now, the Chase wire department kept telling me that they tried to reach out the the recipient many times but could not get in touch with him. 

I asked by what means Chase used to contact the person, and their wire department answered they sent secure messages through the mobile app. Such a method is so unreliable that only a few people would actually look at their mobile app messages. I asked them maybe try to send a physical letter or call the person, but Chase refused. 

I also informed the situation to Chase Executive Office long time ago, and a representative said they hope can get a solution before XXXX. However, there is no update on the progress for 2 months.
Product: Credit reporting or other personal consumer reports

Experian is reporting a foreclosure on my report. My previous home was never foreclosed. Foreclosure proceedings started the vacated due to being paid in full. The house was never foreclosed on. I have supreme Court case filed which also stated foreclosure vacated paid in full. I also have a letter with a letter head from the mortgage company XXXX, stating home was paid in full, never foreclosed. XXXX and XXXX made the correction and is now reporting it correctly as foreclosure proceedings started, vacated paid in full.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I have no knowledge of this company! I do not owe them anything! I 've never signed a contract with them!
Product: Credit card

I had few accounts with Barclaycard US and called them in to get my accounts closed. They then asked me to stay on with their company, in exchange for a retention offer, which they promised to put bonus points on my account, after some different charges I will put on my account. so I stayed on with them. However, I soon realized this was a gimmick, and they did n't even give me the chance to do so. it was just for them ; to be able to suddenly close it without notice, instead of me doing it, so to be able to steal my rewards, and to get it reported on my credit report as closed by credit granter, resulting in a significant decrease to my credit score. Also they charged me interest on a balance transfer after assuring me I wo n't be charged. When I questioned them as to why they decided to grant my request to close it..? their answer was : 1 ) since I drastically went over my credit limit, 2 ) had three returned payments, 3 ) opened to many accounts past year. To Clarify : 1 ) This is odd even if I would 've not have paid, as with every other bank either they do n't allow you to overcharge, or it 's no issue, especially weird of course after I paid almost full balance. And even more strangely upsetting after advising them that these charges were made without my consent. 2 ) Explaining them issue with returned payments, furthermore, In the past they also once in error stopped a check sent to me causing me damage and bad image. 3 ) I had no problem while starting the relationship with them, although I always had many accounts. 4 ) In addition to the above referenced account, all other accounts including my wife 's, were closed, even where no issue occurred at all. All this happened only after I warned them I 'll report them to the CFPB, and start litigation against them, since they were refusing to send a mid cycle update to the credit reporting bureau about a very large payment I made on my spouses account, right after the statement closed with a high balance, saying they do n't do this service, no matter damages causing you, which is ruining my score as well, being that I am an AU on the account. Despite the fact, that they did update right away the closure of my account done by them, even though it was still open on the closing date of the statement. They are not acting in good faith as every other bank would 've done to send an update to the bureau, even after I advised them of the damage it 's causing to my report having a large balance. They are also refusing to rectify the reporting as closed by consumer. I had a very big lost by using their cards above other companies, especially that they are not allowing me to redeem my rewards I legally earned by using the card and paying for it. I also just upgraded my aadvantage card to be able to earn XXXX miles and lost out on that as well. Barclays bank is being misleading and violated federal regulations by charging me interest on a balance transfer I was promised it will be free of interest. NEVER SEEN A BANK BEING SO UNFAIR MISLEADING, STUBBORN NASTY, UNACCOMMODATING, AND IMPROPER!
Product: Student loan

I told them I'm injured and low income. I'm destitute I can't make the minimum payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent accounts XXXX XXXX XXXX XXXX XXXX DEPT OF ED / 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 any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Product: Prepaid card

I am a XXXX recipient and my monthly payment goes on to a US Direct Express card. I have been fighting XXXX for 5 years now I depend on this small payment to help with rent and all other household necessities including medications as needed.Last month on XXXX/XXXX/XX/XX/2015 I went to the bank as usual and withdrew all but {$300.00} from my card. Any other time I would have taken all but {$50.00} or so but it was my birthday month and my mom and aunt send a few dollars so I did n't feel I would ned it all at XXXX.so I left it on the card. On XXXX/XXXX/XX/XX/2015 I called to check the balance and it was a big fat zero. I immediately called direct express to report an unauthorized use of my card and could not figure out how this could happen since the original card was still in my wallet. I asked the customer service representative whathad happened and she said that XXXX transactions had been performed with my card number in XXXX, CA at a XXXX. 
XXXX is a 4 hour drive from where I live in the XXXX XXXX XXXX XXXX. She immediately canceled the card and sent out the paper work to file the complaint. I asked how long will this process take and can it be expedited because I am a XXXX patient and now I have nothing to the end of the month our car registration is due and we ca n't pay it. She said it will take 45 to 90 days to me this is just not acceptable. It took ten days for the paper work to get here sent on XXXX I returned it on XXXX theyreceived it on XXXX. On XXXX I called and asked if any thing had been done yet she said no. on the cover letter it states that they will put a provisional credit on your account after ten days I think I still had to wait a few more days. Any way I called back XXXX and got the same customer service representative how strange is that I explained to her how important this was as is everyone else 's and can you please connect me to a manager. 
She said they do n't have phones but she would send a message and have XXXX call me. I waited for the rest of that day and all day XXXX but no one ever called. I called again on XXXX and talked to another customer service representative and explained the whole thing over again she said the dispute department still has not made a decision I asked to speak to the dispute department she told me they do n't have phone number and are located in a different building. I ca n't believe this no has called back you ca n't talk to any XXXX to get an answerror and our federal goverment is responsible for hiring this company the card has the comerica bank logo on it so I called them their answer was we just make the plastic. Is this place a real bank I do n't know. Ca n't get answers the majority of people that use this card are like me social security or social security XXXX recipients. If you go on line you can find hundreds of complaints about them if I could lead the charge to sue them I would. It is time for our goverment to start taking care of the elderly and XXXX. I do have the customer service representatives names if you need them this is just the first step I am taking to do something
Product: Credit card

I have recently apply for a mortgage and I was informed that there is negative or derogatory account reference ERC. I Received a phone Call from ERC for a debt they calm i owe for my XXXX account. I wrote a written request for validation with my signature for this account and not succeeded in respond from them and still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus. I request for validation with my signature or timely remove the their record from my credit report.
Product: Credit card

I filed for bankruptcy XX/XX/2023. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 that states ; I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy to be removed from my credit report because its been over 7 years. Experian investigated for accuracy which is not the problem. I know that its accurate because I filed. I disputed the bankruptcy because I have fulfilled the time requirement for it to stay on my credit report and would like it deleted.
Product: Credit reporting or other personal consumer reports

XXXX timeshare is reporting missed payments on a mortgage. A timeshare is not a mortgage ; it is an installment loan. The XXXX XXXX XXXXXXXX XXXX XXXX recently ruled that a timeshare should not be reported as a residential mortgage. It is an installment loan. XXXX has breached their contract by not having availability but demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and spoke with XXXX  ID # XXXX explained that I did not give anyone permission to access my credit for any reason. I explained that I did not do this and according to the FCRA those inquiries should be removed for XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, TX XXXX AR XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have explain that I did not do this. Delete this information from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX .... Balance : {$13000.00}
Product: Debt collection

I ordered one tube of XXXX advertised on TV. I paid XXXX for order by credit card. The company charged another order which I paid because the product was shipped to me. The company tried to charge a third order, and my credit card company cancelled the transaction. I did not receive the product. 
I called the company that I had agreed to receive more than one order. I called the number of the company and no one answered. My card company tried to call them also. I received bills for the product I had canceled. 
After many months I have received a bill from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 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 an account without my written instructions.
Product: Checking or savings account

I am a Bank of America customer living in XXXX. I requested a card be sent to me in XXXX and a card was sent. And lost. A replacement card was sent. 

And none of the three methods the bank has for activating the card is available to me in XXXX ; Telephone authentication Mobile app QR code scan My complaint is agains the bank for theft of services, or fraud : they are failing to support me as a customer and denying access to my account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a medical bill opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a phone bill opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XXXX XXXX under the account  number XXXX, and a credit card opened at XXXX XXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Vehicle loan or lease

My lease ( # XXXX ) payment was due XX/XX/year>. I paid it via the Ford Motor Credit website the morning of XX/XX/year>. This morning, I received notice that to avoid a late payment, XXXX was charging me {$270.00} in addition to the monthly lease payment of {$840.00}. When I explained that I made the payment on line the morning of the day it was due, I was advised that it did not process that day so to avoid XXXX reporting my payment as late to the CRAs, they charge the {$270.00} fee. This is pure extortion. They control the payment mechanism. If processing takes several days, when they send out the notice of the payment being due, they should warn customers to process it several days in advance. This smells like a trap to suck an extra charge from the consumer.
Product: Checking or savings account

I am not exactly sure how to categorize this issue. It is in regards to the theft of my ATM card and the misuse by the thief and the bank refusing to acknowledge that I was the victim of a crime.
On XXXX XXXX 2017 my Chase bank ATM card was stolen from me while I was at the XXXX XXXX XXXX pool with my grandkids and it used at a local grocery store. Because the card was stolen from me close to my home the card was used at the grocery store I normally shop in. I discovered the card stolen within 15 minutes of it 's use and immediately called Chase and reported it stolen and the card was closed and a new one sent out.
I also called the police and filed a police report. The police report number XXXX. I am unable to get a copy of the actual report because it costs {$30.00} to request a copy and it takes about 3 months to receive it.
The thief used to card to spend {$210.00}. The bank gave me a credit for that amount while they investigated the claim.
A few days ago I received a letter stating that they felt the charge was valid and was reversing the credit. When I called and talked to them they said because a PIN number was used. It was not used by me and there is no way the thief would have it.
After many calls and many tears on my part I finally spoke with a claims escalation specialist named XXXX ( not sure of the spelling ) who found that a PIN number was not used and she would resubmit the claim with that information.
I just got another letter from Chase stating they are still denying the claim. I am desperate. I can not afford the {$210.00} and I did n't do anything wrong. I called the police and have a police report number and did everything I was instructed to do.
I am XXXX on my entire income is only {$920.00} from Social Security and this creates a huge hardship for me. I had to borrow money in order to keep my account open and to keep from incurring overdraft fees and penalties. I have been treated very badly by nearly everyone I have contacted at Chase. I was the victim of a crime and I feel like Chase is treating me like I am the criminal. I do n't know where to turn or what I can do. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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