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

In ordinance with the fair Credit Reporting act, everything has to be 100 % accurate on my credit report. 
This company and 3rd party bureau iolated my rights. 
15USC 1681 section 208a states I have the right to privacy.

16 USC 1681 section 604 a section 2 states it also states a consumer reporting agency can not furnish my account or account info without my written consent.
Product: Money transfer, virtual currency, or money service

My cousin and I were tragically scammed out of {$500.00} and I dont believe my bank did enough to help resolve the issue. 
On XX/XX/XXXX, unbeknown to me, I conversed with a scammer online to purchase concert tickets. This person was so convincing, providing comforting words and sending proof of their goods that were to be sent to me after payment. Being only 21 and not having any experience in this kind of business transaction, I believed them and agreed to sent payment of {$500.00} for two tickets through the use of XXXX. 
At the time, I did not have enough money in my own personal checking account so my cousin ( who was to be the second ticket owner ) sent me {$500.00} out of her savings to purchase these tickets. Shes only XXXX XXXX XXXX and used her hard earned money to pay for us to attend this concert together. XXXX is the approved payment app through the chase mobile app so I believed that it was safe and that my bank would have my back incase of situations like these. After sending the money, the person proceeded to ignore my messages asking for updates and eventually blocked me altogether. 
I proceed to called the customer service number on XX/XX/XXXX for assistance, panicked and asking for the next steps. The customer service worker was nice and reassuring and told me the bank would file a claim and discuss with XXXX. A week passes by and I called once more for any updates, ending up very disappointed in the lack of action of the bank. I have not called back since due to work and school keeping me very busy and stressed. I keep checking and waiting to hear back from chase themselves about any resolution or updates about the situation with no luck so far. 
The stress of my family member being out of {$500.00} has been so intense, and with my school added on top of that I feel so unwell. Its sad that money can make such an impact on a person but this situation has been so disheartening and just proves that it really does. I understand how I was naive on my part, but also must acknowledge the problem in chase approving XXXX  with the possibility of this issue occurring to any common person. I would not have used that form of transaction if it was not already in the chase mobile app. 
I wish my bank could fight more, possibly getting the money refunded SOMEHOW. I am not angry with chase, Im not submitting this complaint out of hate or frustration. I am just disappointed and out of {$500.00}, and will consider transferring to a new banking company.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning several inaccuracies and fraudulent items on my credit report. These issues include multiple attempts to add inaccurate addresses, collections, and inquiries that I suspect to be fraudulent in nature. These inaccuracies are significantly impacting my creditworthiness and financial standing. I urgently request your immediate assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies and fraudulent items that require your prompt attention for removal : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

I have enclosed copies of documents that substantiate my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items and the suspected fraudulent inquiries without delay. 
Notify me of the results of your investigation within the legally mandated XXXX period. 
Correct or remove any inaccurate, incomplete, or fraudulent information from my credit report. 
Failure to address these issues promptly and in accordance with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Unauthorized Account Reporting by Jefferson Capital Systems Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital Systems for reporting an account on my credit report that I do not recognize and for which they have been unable to provide any substantiating information. 

Upon discovering this account on my credit report, I contacted Jefferson Capital Systems to request details regarding the origin and legitimacy of the alleged debt. However, they were unable to provide any information or documentation to support their claim. This lack of transparency and documentation raises serious concerns about the accuracy and validity of the reported account. 

This situation has negatively impacted my credit standing and caused undue stress. I believe that Jefferson Capital Systems ' actions violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies be accurate and verifiable. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that Jefferson Capital Systems : Provides verifiable documentation proving the legitimacy of the alleged debt. 
Immediately cease reporting this unsubstantiated account to all credit reporting agencies. 
Rectifies any negative impact this erroneous reporting has had on my credit profile. 
Thank you for your attention to this serious matter. I look forward to a prompt resolution.
Product: Debt collection

XXXX filled my propane tank in early XXXX of XXXX without my knowledge or consent ( we had decided to use a different propane provider ). I was not on any automatic fill and in fact the account was set up so I would have to call for a fill. I did not know they had refilled the tank until weeks later when I tried to get another company to fill the tank. I also did not receive a bill for several months. I attempted to complain but really the tank was already filled and I could not have them take the propane back. In the spring of XXXX they sent the account to XXXX  XXXX for collection. I received a phone call from XXXX XXXX on or about XX/XX/XXXX. I requested information from them to verify the debt, which they provided by the end of XXXX. On or about XX/XX/XXXX I paid a settlement amount to XXXX XXXX based on their representation that they had authority to settle the debt for 75 % or approximately {$1200.00}. XXXX credited the settlement payment to my account but has not closed out the account and has now sent me to another collection agency ( ARM Solutions, Inc ) to collect a further {$480.00}. At this point all they are collecting is the {$36.00} late fees they have been tacking on to the account for the last 11 months ( the original debt was all but paid by the settlement I made with XXXX  XXXX ).  The late fees are {$36.00} per month. I have attempted to make complaints to XXXX about my account but have received no response. COVID has made it hard to contact an actual person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX To Whom It XXXX Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. 
Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards, XXXX XXXX
Product: Debt collection

I have never lived at XXXX XXXX XXXX XXXX as the XXXX has stated. XXXX XXXX XXXX XXXX say I owe a debt that I have no knowledge of ever applying for any services with XXXX I have not received any documentation barring my signature and these are the dates that the account started til its charge off date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and charge off date XX/XX/XXXX, therefore any debt with this company i do not own and/or fraudulent account therefore I would like this to be removed from my credit report and cease any contacts with XXXX XXXX XXXX. 

I sent my letter to the credit bureau on ( XX/XX/XXXX ). I told the credit bureau to investigate every piece of information on the accounts I have listed below. Also have attached the letter I sent out and here is the tracking number ( XXXX ). 

According to the FRCA THE TERM Investigation consumer report means a consumer report or portion thereof in which information on a consumers character. General reputation, XXXX characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They state my account was verified behind the possible, if they didnt do the proper investigation according to the law. Also I have a piece of information on these accounts are still not report on XXXX XXXX XXXXurate. And According to the FRCA 15 USC 1681 everything has to be XXXX XXXX  accurate. I also have the credit report.
Product: Mortgage

We suffered a hardship from Hurricane Dorian from XX/XX/XXXX and a State of Emergency was declared by Governor XXXX on XX/XX/XXXX. We had to evacuate because no one knew where the hurricane would land and it was stalling while increasing to a Category 5. In addition to the cost of preparing the house for a hurricane, which was well over {$3500.00}. Once we prepared the home with shutters, we had to travel and stay somewhere else until the end of XXXX while the hurricane moved away from the East coast. As a result, we had to close our business during this time and when we returned we had to make repairs on the roof of our home of over {$2500.00} from this disaster. We were approved for a repayment plan on XX/XX/XXXX and spoke with a representative on XX/XX/XXXX about making payments. We wanted to make 2 payments a month. We made 1 payment in the amount of {$2500.00} on XX/XX/XXXX and called to make the XXXX payment of {$1600.00} on XX/XX/XXXX for a total of the repayment plan we were approved for. The representative refused to take the payment. The representative told me that we can not make that second payment and the repayment plan is void even though we were trying to make the payment before the end of the month. We requested to speak to a supervisor who advised us that he would not accept the payment we wanted to make and that there were no other options for us at this time to retain our home. We explained that we were affected by Covid-19 and our business was closed due to no fault of our own. The supervisor did put us on a forbearance plan due to Covid-19 with a balloon payment of {$30000.00} due on XX/XX/XXXX. This is a difficult amount to have to pay when we have no idea when our business or any business will reopen in the United States. Our business is closed and we would like a deferment of all past due amounts until we can get through this economic difficulty which is no fault of our own.
Product: Credit card or prepaid card

I ask Discovery Card company why if the card has been close for 2 years why Im being charge Interest for a cash transaction and purchase transaction if Im not using a card the card has been closed for 2 years they told this is normal how could this be if Im not able too use this card please help me
Product: Credit reporting

Experian is not properly verifying account information. I have written over 15 letters to them including disputed information on multiple accounts yet they have consistently failed to remove inaccurate information or explain how they have " checked '' the data. IE in my case, XXXX, Bankruptcy, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I sent a letter to Transunion requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, Transunion informed me that they would not remove these names and they still remain on my report to this date.
Product: Vehicle loan or lease

I have been overpaying my car loan since 2015. Now the company set it up for me to pay every two months, but I am overpaying every month. The company changes back and forth as to whether the payments go to principle and or interest. Each time I call to try to make progress the company fluctuates as to whether the extra payment goes to interest or principle. They stated that no matter how much I pay each month I will not be able to pay my loan off early.
Product: Checking or savings account

An unauthorized Ace flare account XXXX  checking account has been opened using my identity. I received a Visa debit card # XXXX XXXX XXXX XXXX exp. XX/XX/XXXX and activation instructions on XX/XX/XXXX. I have attempted several times to call the Ace flare account number phone number - the prompt only lets you activate the Visa debit card or report lost or stolen cards. The XXXX XXXX  phone number - the prompts choices are tax info, XXXX cards pertaining to stimulus payments and unclaimed property. I called XXXX XXXX XXXX only branch no one answers just a busy tone. I emailed XXXX  XXXX  customer service - their reply was we don't deal with individual accounts but gave me a customer service number. That number had me on hold for over 2 hours till my cell phone battery died and couldn't continue.
Product: Credit reporting or other personal consumer reports

My information with XXXX has been breached and they refuse to delete and block the impacted information. I've attached proof that my information was impacted. The impact of the XXXX data breach has effected my XXXX, Experian, and XXXX credit reports. I also have included the impacted information. Please delete and block all of this information from my all of credit reports as I was a victim of this Data Breach. 

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

Discover Acct # XXXX balance and payment history is reporting inaccuracy to three credit reporting consumer A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. --
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenitycapital/XXXX Inquiry from XX/XX/2019 Bankcard Comenitycapital/XXXX hard inquiry
Product: Checking or savings account

Girlfriend and Grandparents debit cards were linked to my account ( with their permission ). Chime saw it as suspicious activity and they closed/locked my checking account even though Ive sent all documents theyve requested showing that the activity was authorized. Ive been trying to retrieve my money for almost 3 weeks and they keep asking for the same documents and continue telling me they cant resolve the issue. I have no access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, Equifax, XXXX.

I have one hard Inquiry from company : XXXX XXXX XXXX On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I contacted XXXX, Equifax, XXXX  and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.
Product: Credit card or prepaid card

Dear CFPB, I have a credit card ( ending XXXX ) with Capitalone Bank. I made a small {$1.00} payment via XXXX and that was for a small purchase. Capitalone coded this transaction as cash advance and charged me {$10.00} cash advance fee plus daily interest starting day 1 of transaction. Once I noticed this issue, I called Capitalone and explained. There is no way someone wants to cash advance {$1.00}. Capitalone customer service is not helping and refused my request for fee refund. Then I got to speak to a supervisor and she confirmed with me that if the original purchase transaction is revsesed, the fee will also be reversed. I have now reversed the XXXX transaction and now the original {$1.00} went back to my credit card. HOWEVER, the {$10.00} cash advance fee is still there! Capitalone is just using this almost fraudulent way to overcharge customers.
Product: Prepaid card

I purchased a {$100.00} prepaid XXXX issued by US Bank National Association. I used the card for XXXX transaction of {$50.00} over a month ago. Last week I went to used the remaining {$50.00} and I was declined I called customer service and I was told the issuing institution, US Bank, closed the account XXXX XXXX, for fraud and took the remaining {$50.00}. I was told I would receive a call in 24-48 hours but did not. I called today and was given the dispute department number, when I called there I was on hold and after XXXX minutes, I left a message. How could they just take the electronic money I paid for in cash. To me they stole my money. The card is made out to " A gift for You '', no way to determine the owner, how many more cards did US Bank help themselves and take? The banks just do what they want and plain out steal, why not there are no consequences? The law does not apply to them. A bunch of criminals at US Bank and all is well. I am out {$50.00} and I have to try to hunt them down while they dodge all my calls. The customer service number is a service and not US Bank. Just plain criminal!
Product: Credit card or prepaid card

my name is XXXX XXXX and i had a conversation with discover card rapresentive on XX/XX/XXXX requesting to lower my interest rate to 4.99 do to the fact that i had an offer of 0 percentage from a new card if they could lower my present interest rate. 
they agreed to lower to 4.99 and send an email to confirm it. 
enrollement should start in XXXX payment now they denied such agreement and charge me XXXX XXXX XXXX dollars of inrerest on my balance. in a conversation with an agent she told me that the note on the account said that i had an agreement of lower interest rate at XXXX and she did not know why did not get activated. she put in line with a supervisor name XXXX which change complete the issue and told me that no such deal ever occurred. 
obviously she lied and they deserve to get penalizes for breaking all the consumer law in book and the supervisor XXXX need to get XXXX.am requesting the involvement of the cfpb in this matter and disbar the discover card for fraud against consumer.
Product: Credit card or prepaid card

I had {$400.00} deposited onto my account today XX/XX/2023. I confirmed the available balance of {$400.00} on my account and within 5 minutes, I went to withdrawal the funds in order to pay rent. I was advised which ATM to use so there would be no ATM fees. I had to withdrawal in 2 separate transactions due to ATM limit of {$300.00}. When I began the withdrawal for the remaining {$100.00}, the transaction was declined. I reviewed my balance which still showed {$100.00} so I tried again. It was again declined. I called customer service and they stated I was charged a declined transaction fee. However, the transaction should have never been declined in the first place. This is a racket to steal money from people. I called and spoke with 3 representatives at NetSpend and also a supervisor to no avail. This has to be happening to other consumers. They outsource their workforce obviously English is not their first language then they tell you repeatedly these are legal charges and will not help after the company steals your money. I have a transaction history for proof as well.