23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an proper investigation to EQUIFAX, XXXX AND XXXX regarding an account for 5 months since XXXX XXXX after XXXX followups XX/XX/2022 XX/XX/2022 XXXX XXXX and also XX/XX/2022 and XX/XX/2022 i still havent received the requested information. Also, i have pointed out numerous errors [ ie. billing dates, balances and etc ] regarding the charge off account showing on my credit report requesting them to be removed this has caused detrimental effect on my health and welfare [ ie. billing dates, balances and etc ].
Product: Credit card or prepaid card

I received a notification in the mail that the interest on my account was going to increase. I did not want to accept the new interest rate and wanted to speak with a customer service representative to pay off my credit card and have my account closed, however when I went to the back of the card to dial the number provided for Customer Service, the number is no longer available, and it gives the customer directions to look at their statements to get that phone number. Well turns out that the customer service phone number in my account statement is the same on my card XXXX, and I have not been able to speak with a customer service representative.
Product: Debt collection

Due to a medical issue, I was forced to quit my job. CHASE bank refused to give us forbearance on student loan. 

We filed our taxes early XXXX, ready for e-file XXXX XXXX. On XXXX XXXX we received an XXXX form from Chase, we called our bookkeeper and she explained that was not good, we went to her office to find out, our {$5600.00} refund was now us owing $ XXXX+. 

So we sat down with IRS and they agreed to take XXXX refund and wait for XXXX refund to finish paying, which was done. 

With this we received a letter from CHASE telling us the " cancellation of debt ''. 

In XXXX we began getting letters from attorney 's XXXX ( XXXX ) Attorney at Law. We communicated with them and explained about the XXXX and they have been mistaken. 

After several trips to XXXX, AZ to court house, we eventually received a notice of arbitration. XX/XX/XXXX we sat down with plaintiff 's attorney and arbitrator. During this meeting XXXX claimed the the loan numbers did not match up with CHASE. 

The arbitrator said she had no choice but to find in the favor of the plaintiff and they both agreed that there was definitely something wrong. 

The attorney for XXXX argument was that his client XXXX XXXX XXXX XXXX XXXX ( XXXX ) owned the loan that was sold to them by CHASE back in XXXX. 

While there, the attorney XXXX XXXX of XXXX gave us the number of another attorney XXXX XXXX. XXXX claimed he was a good attorney and maybe able to help us. The arbitrator said she would wait 30 days before entering a decision. 

We went and saw XXXX XXXX and he said he would make some phone calls, during which he had mentioned the CFPB. 

On XXXX XXXX, XXXX the arbitrator found in our favor, we do not know what XXXX XXXX had done, but we were glad for the judgement. Including the judgment the letter stated that we needed to submit any fees we occurred, we called XXXX XXXX and he handled the communication with the court, and his fees were awarded for ( XXXX ) to pay. 

Currently GC is appealing the ruling and we have another court appearance this Friday XX/XX/XXXX. 

On their appeal they are accusing the defendants ( us ) for " Defendants have engaged in unfair surprise and misconduct '' and " litigation by ambush. '' We have done nothing wrong, we did not go to law school, we followed instructions. 

This is our biggest issue. How can CHASE sell a loan to XXXX in XXXX and turn around and file a XXXX on us in XXXX? 

According to GC, CHASE dd not own the loan to do this. 
We were thrown into another tax bracket since it had to be counted as earned income, causing me to lose other government medical benefits for my insulin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my rep XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX XXXX XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unverified account
Product: Credit reporting or other personal consumer reports

I signed up for a free Experian account to freeze my credit. They send me regular emails which contain non-useful information like that my Credit Balance has changed or that my credit score has changed.

Despite turning off all notices on their website I still receive these. There is no opt-out or unsubscribe option in these emails.
Product: Payday loan, title loan, personal loan, or advance loan

I took out an installment loan to purchase an autopart from a vendor, XXXX. I used ZIP and paid off the loan. It was purchased on XX/XX/year>. The part was returned to XXXX because it was defective. I returned the part back to the company on XX/XX/year>. The company issued a refund but it was sent back to ZIP since that is where it originated. I contacted ZIP and made them aware that the card that was used for the loan was no longer valid and had been canceled. They were notified prior to sending the money back to the invalid car, however, they still sent the money to the card. 
I continued to contact them to plead with them not to send the money but to no avail. I needed this money to purchase another part so that my car could be repaired. 
ZIP ignored all of my pleas and requests. 

I reached out to the banking institution that the money was sent to with the closed account and they told me that the money would be returned because there was nowhere for it to be deposited. 
I also asked them for proof that the money was not accepted and they provided me with the transaction record. I brought this to the attention of ZIP and they did not care as long as they can say that they attempted to make the deposits. 
Meanwhile, almost a month later, I still do not have my money. I provided ZIP with a copy of what the bank gave me as well. It shows that the deposits were not accepted by the bank and rejected. ZIP is still responsible for making sure that I receive my money and they are not trying to refund my money. Please help me get my money back and hold them accountable. 

ZIP stated that they send the money back on the card that was originally used regardless of whether it is no longer valid. They do not offer any other form of refunds which is ludicrous. I have never heard of such a practice. They have done this to many individuals I have discovered. This practice seems highly illegal and unprofessional
Product: Debt collection

I had a debt from XXXXXXXX XXXX XXXX XXXXXXXX which I had paid. I asked the debt collection company to send me proof that I owed the debt. They said it was sent but it never was. 

I called XXXX XXXX XXXX XXXXXXXX directly and they told me that my payment didn't actually cover the total cost after insurance and the debt was valid. XXXX said they did not have a way to collect the payment and that I needed to call the debt collection company they sold the debt to. 

I called Harris & Harris to pay off the debt and I paid it off. I asked them to send me a receipt showing I paid the debt. They told me in 30 days I can call in and ask for them to email me a receipt. Any business that you pay should be sending you a receipt and it should be available via paper, and I should not have to wait 30 days and then have to call back in and ask for it. I strongly feel that this is fraudulent/predatory behavior on behalf of the debt collection company.
Product: Debt collection

On XX/XX/XXXX of XXXX Portfolio Recovery Associates , LLC contacted me via telephone and offered a Settlement Agreement at witch point I agreed with the understanding that the company would mail me a stipulation letter to sign and return to avoid going to court. I have been making monthly payments since XX/XX/XXXX. XXXX XXXX emailed me on XX/XX/XXXX with a letter of confirmation that states I have 24 payments of {$71.00}. After the first two payments I called to inquire about the stipulation letter. On XX/XX/XXXX of XXXX I received a order to appear before the judge in XXXX XXXX Texas on XX/XX/XXXX. I have made numerous phone calls since the court summons was mailed to me more currently in the past two weeks I have called Portfolio Recovery requesting the stipulation letter, a supervisor by the name of XXXX finally agreed to email it to me on XX/XX/XXXX and I sent via USPS the signed stipulation letter back to them where it was signed for on the XXXX. 

I believe they are in direct violation of the Fair Debts Collection Practices Act and are giving me the run around instead of holding up there end of the contact for settlement.
Product: Debt collection

JPMCB CARD SERVICES Flexible Spending Credit Card | Reported on XX/XX/year> Balance {$5700.00} Limit {$5200.00} Past due {$1300.00} Account utilization : 110 % | Limit exceeded This charge-off account is hurting your credit. Check to make sure that the account and the details are accurate. If they arent, you may be able to dispute the inaccuracies.
Product: Credit card

I have called Ignite Credit Card since XX/XX/year> to inquire about the extra interest charge monthly. One month the interest was only {$61.00} dollars and the next month it was $ XXXX. I called in to inquire and was told by a supervisor there have been issues since a software upgrade, and they are aware of it. The next month there were three interests charges again and I called. The issue was escalated, and I was told a supervisor would contact me by phone. No one called. I called again and to inquire about why the supervisor did not call? I was told someone would call, but in the meantime I received three interest charges. For example, XX/XX/year>, I called one interest charge was for cash advance ( {$65.00} ) and the other interest charge was for not paying the credit card amount in full ( {$61.00} ). I asked how, what is the title and calculation for the interest charge of ( {$57.00} )? I was referred to the cardholder agreement and someone would contact me within 2448 hours, which is why I called. Not only that, but I asked if there was a case number, and this time I was given one. ( # XXXX ). Then I was told a supervisor would call, and he did, but he informed me no one there has anything to do with how interest is being calculated and referred me to section three involving payment information of the card agreement. At this point, I decided to file a complaint to get answers.
Product: Credit reporting or other personal consumer reports

I have found out recently that maybe due to previous relationships and losing wallets that my personal information has either been used to run my information numerous times and I have found that I have inquiries and accounts that I have no previous knowledge of and 15 U.S. Code 1681e is part of the Fair Credit Reporting Act ( FCRA ) and outlines the responsibilities of consumer reporting agencies in maintaining the accuracy, privacy, and proper use of consumer credit information. The section is divided into several subsections : Key Subsections : 1. 1681e ( a ) - Compliance Procedures : Consumer reporting agencies must maintain reasonable procedures to ensure that consumer reports are supplied only to authorized users and that the reports are accurate.

2. 1681e ( b ) - Accuracy of Report : Agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

3. 1681e ( c ) - Disclosure of Consumer Reports by Users : Users of consumer reports who take adverse actions based on the reports must notify the consumer and provide the name and address of the consumer reporting agency.

4. 1681e ( d ) - Notice to Users and Furnishers of Information : Agencies must inform users and furnishers of the information of their responsibilities under the FCRA.

5. 1681e ( e ) - Procurement of Consumer Report for Resale : When a consumer report is obtained for resale, the agency must ensure that the information is passed on correctly and that all necessary disclosures are made. 

This section plays a critical role in protecting consumer rights by ensuring that the information used in credit decisions is accurate and that only authorized entities access consumer reports. Accounts that I am challenging are XXXX XXXX XXXX XXXX and several inquiries a total of XXXX to be exact not tied to any specific account that I have or made personally
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX  # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be inaccurate. XXXX : XXXX XXXX XXXX Account number : XXXX XXXX : XXXX  XXXX Account number : XXXX XXXX : XXXX XXXX Account number : XXXX, XXXX, XXXX XXXX : XXXX XXXX Account number : XXXX XXXX : XXXX Account number : XXXX According to 15 US code 1681s-2 the 3 credit bureaus XXXX XXXX, XXXX XXXX Equifax have violated my rights. 15 U.S.C 1681 Section 604 section 2 : It states a Consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Debt collection

I pulled my credit report and noticed that this collection agency is listed on my credit report. I first disputed this account with the credit bureau because I do n't recall signing any contract with this company. But when the credit bureau claim to have verified this I called them asking to send me all documents they have used to verify this alleged account in which they have failed to do so I send Kansas counselor a letter certified with return receipt in which they are still reporting on my credit report without proper validation showing competent evidence bearing my signature showing that I have some contractual obligation to pay them. I refuse to receive a itemized bill and suggest that they provide any documents that grants them authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Also since this is a medical account I requested a copy of any HIPAA authorization and they have failed to send this information along with copies of any agreement that bears the signature of the alleged debtor where he or she agreed to pay the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Chex Systems Consumer Report # XXXX and theres fraudulent and unauthorized credit inquiries listed on my consumer report. The following inquiries viewed by others are fraudulent and unauthorized : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX account that was closed on XX/XX/XXXX and charged off for {$5200.00} is not my account and its a fraudulent account. I never had a checking account closed with no bank, so I should not have a DDA Closure Payment History on my Chex Systems Consumer Report. I am a victim of identity theft and has a current police report on file with Chex Systems. I been a victim of identity theft for over 25 years. All the credit inquiries and bank account listed is fraudulent and is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$270.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was run by the following companies without my knowledge : Capital One Bank USA XX/XX/19 XXXX XXXX  XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX   XXXX XXXX XX/XX/19 Capital One Bank USA XX/XX/19 XXXX XXXX   XX/XX/19 XXXX XX/XX/019 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX  XXXX XX/XX/19 XXXX/XXXX XX/XX/19 XXXX/XXXX XXXX XXXX  XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX   XX/XX/19 XXXX XXXX XX/XX/19
Product: Credit reporting, credit repair services, or other personal consumer reports

I received XXXX calls today about an XXXX XXXX payday loan that I did not apply for. The first caller said it was back in XXXX, the XXXX  caller said that it was in XXXX for the amount of {$1900.00}. I explained to the XXXX that I never took out a loan with XXXXXXXX XXXX nor have I ever tried. 
I told him I only owe XXXX debt and that is with XXXX check cashing, and he became very belligerent and and said that you owe them so I'm going to go ahead and file this claim against you and hung up in my face. I do not remember his name or hers but the phone number they called from is XXXX. 
There is a XXXX in XXXX XXXX with the same exact name as I have and she has been all over my credit reports. I looked her up a few years back and tried to tell her that her debts are on my report and she hung up on me. 
I would like to report all of this today.
Product: Credit reporting or other personal consumer reports

PLEASE BE ADVISED YOU EQUIFAX IS IN DIRECT VIOLATION OF FEDERAL LAW BY VIOLATING PRIVACY ACT OF 1974. 
Charge of accounts are considered, certificates of indebtedness, pursuant to I.R.S publication 4681 and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974. 
The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records. 

IRS Publication 4681 Canceled debt : If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless XXXX of the exceptions or exclusions described in chapter XXXX applies. 

ACCOUNT XXXX XXXX XXXX  ALSO ANOTHER VIOLATION IS ILLEGAL INQUIRIES ON MY REPORT THAT ARENT ATTACHED TO ANY ACCOUNT MUST BE REMOVED. 

XXXX XXXXXXXX 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

Around XXXX of XXXX I called Experian and spoke with the Fraud Dept. regarding some inquiries that popped up that did not belong to me. The young lady reviewed everything on my credit report and there were also some addresses that I never lived at on there also. She said she would remove them as well. Now, I have no address reporting, not even my current address. Since XXXX, creditors have been unable to obtain my credit profile from Experian. This has impacted me both in my personal credit and business credit. I have been denied credit because the creditor can not obtain the information needed. I am currently in the homebuying process, and this will hinder my ability to purchase a home. 

I have called Experian several times since XXXX and was told they needed to verify my address with identification which they had on file from a previous dispute. They informed me it would be taken care of. These calls were around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I called again XX/XX/XXXX 2 times in XXXX day because the first person told me there was nothing wrong with my profile and for me to just give the creditor a copy of my credit report. I explained to her that they will not accept a copy from me. It does not work that way. My mortgage company tried to run my credit on XX/XX/XXXX and was not able to obtain my Experian profile.. I need help.
Product: Debt collection

XXXX - saw that I was a victim of identity left because my credit score was dropped by XXXX points. Saw that the company was a utilities company in TX by the name of XXXX XXXX. Called them and disputed due the charge and let them know the situation. Then called the collections agency and alerted 3 credit companies. 
I have not filed a police report, but plan to do so today XXXX