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

Chase bank has ruined my credit by not properly crediting my account XXXX. I have receipts where I've made cash payments inside the branch and my payments are still not being credited to my account. Chase continues to charge me for late payments even when I'm not late. chase bank has reported me five times late starting in XX/XX/2021, Chase kept advising me that my over-the-phone payments failed. when in fact my bank advised me that there was no attempt to withdraw funds from my bank account.from chase bank. Please see attached letter. I said I'll correct the problem by going inside the branch and making cash payments. Chase has not been crediting my cash payments and has still been charging me late fees. Please see the attached cash payments made inside the branch for XXXX and XXXX but the remaining balance never change my XXXX XXXX XXXX payment was never updated. 

Chase is also violating my consumer 's care act rights Sec.4021 & XXXX  'S Fair credit reporting rights. I proved I was affected by covied19 and needed chase to assist me with payment arrangements on my account, during that time my account was current. The cares act Sec 402 states if a lender finds a consumer is affected by covied19 and they assist their customer with financial help and the consumer is not behind prior to covid19 that lender can't report that consumer account late to the credit reporting agency ; s.and can't charge late fees. Chase has been charging me late fees even when I'm on time with my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, Equifax XXXX Fed XXXX service # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX collection # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX of XXXX XXXX XX/XX/2016 {$380.00} XXXX {$2200.00} # XXXX XXXX XXXX XXXX XXXX {$380.00} # XXXX XXXX Fed charge off # XXXX XXXX charge off # XXXX XXXX XXXXXXXX # 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 a account without my written instructions
Product: Payday loan, title loan, or personal loan

When you are making purchases PayPal Credit pops up online and tells you no interest if you pay by a certain short term time, like 6 months. 
This is not true, as you need to pay the entire balance off to receive no interest or payments. total interest XXXX was XXXX if this is true, then its not offered or explained so you can meet these terms. 

Also, PayPal Credit allows you to go over your Available Credit -- it seems, and then it reports you to the Credit Bureaus-when it lowers your credit line -- saying you are over your credit line. 

Bait and Switch -- Have me Overlimit ( approved the credit then they reduce available balance ) Or they are reducing your credit line after they provide it. 
This is synchrony Bank and not PayPal. 
You can not reach them during the business day. They put you through their auto voice to preanswer questions. 
They do as well with their Care Credit card. 
I plan to pay these off and then cut them up -- Others I know have also reported them for doing this as well. Provide Credit then lower the credit line when they choose to, then saying you are over your limit and charge you fees. There should be a law against this, sure it is Bait & Switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt that is a result of property XXXX retaliation and sent a debt straight to collections 4 months after i moved and has never returned mt deposit, web i asked Transunion 2 times ive disputed and bot times back confirmed, which is a downright lie. if one looks at XXXX  ther are two complaints that are the same MO, they move out, months later when they have been told alls good, they find out there a debt on the report, so the people use trans union to scam us money and even when i showed the XXXX attorney, the collector defends this fraudulent behavior. Look at the attachment and the blatant way they are willing to rip us off, well. XXXX, stop stop reporting.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Credit Card Accounts Authorized XXXX Advised to Remove XXXXXXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$20000.00} XXXX XXXX BALANCE : {$800.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance {$3.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX  XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance {$77.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Hello, XXXX years ago I settled with a debt collector on a loan I had on my car. The problem is that they have n't sent my pink slip. Each time I call they say it 's in the mail. I had a seller for it XXXX year ago for {$800.00}, but they backed out because I did n't have the pink slip. Can you help me? 
Hello, Two years ago I settled with a debt collector on a loan I had on my car. ( XXXX ) The problem is that they have n't sent my pink slip. Each time I call they say it 's in the mail. Can you help me? 

Vision FinancialXXXXXXXX # XXXX
Product: Checking or savings account

I have been a long-standing member of Navy Federal and participated in the OOPs program. Despite having sufficient funds in my account on certain occasions, I noticed that fees were still being charged. This issue persisted over time and eventually led to the unexpected closure of my account. This has been for no reason at all.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan

This  XXXX   XXXX  company is not licensed as a payday loan lender in the state of Michigan. I advised them that this was fraudulent and they continue to harass me via telephone. They now have turned this over to  Allied Collection Services lo cated at  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   Neveda   XXXX  Phone  XXXX   XXXX   XXXX . Allied Collections has reported this to the Credit Bureaus as an unpaid account. Allied Collections is in violation of the Fair Credit Reporting Act. They have not attempted to contact me and verify if this is a valid debt. They chose to report directly to the Credit Bureau. This does not belong to me and who would agree to the extremely high interests rates. This is a predatory lending agency and attempts to bully people. They are not licensed to operate as a payday lender in Michigan. I spoke with  XXXX , ID  XXXX  today. This is the first time I spoke with someone from  Allied  Collections and I was th e one ini tiating the call. I explained to  XXXX  the information above as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lack of dispute response for 2 annum ; Violations of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681, et seq., as amended. 
By sending a consumer dispute to EQUIFAX INFORMATION SERVICES INC., the XXXX   was duty bound to respond within 30 days and failed to do so. 
EQUIFAX has been reporting items that are not verified and inaccurate. These statements and information relating to Plaintiffs credit history have been reporting to third parties. 
According to the FCRA, information that can not be verified within thirty ( 30 ) days must be removed. EQUIFAX failed to remove the disputed items after failing to verify them within 30 days. 
The FCRA requires EQUIFAX INFORMATION SERVICES INC.. to engage in a reasonable investigation of disputes imitated by consumers but EQUIFAX INFORMATION SERVICES INC.. ignored Plaintiffs request for information/ documents for the disputed items. 
Defendant EQUIFAX continues to report this information monthly, sending the same to Plaintiffs creditors, despite marking items in dispute status. 

Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, EQUIFAX INFORMATION SERVICES INC.. is liable to Plaintiff for engaging in the following conduct : negligently failed to timely and properly re-investigate the inaccurate information after receiving notice of the dispute from the Plaintiff and to timely delete the inaccurate information, in violation of 15 U.S.C. 1681i ; and negligently failed to employ and follow reasonable procedures to assure maximum possible accuracy of Plaintiffs credit report, information and file, in violation of 15 U.S.C. 1681e ( b ).

negligently refused to add notice of dispute status in Plaintiffs credit reports in violation of 15 U.S.C. 1681i ( b ).

negligently refused to provide a copy of consumer report upon request upon a consumers request in violation of 15 U.S.C. 1681.

negligently failed to conduct a reasonable investigation pursuant to 15 U.S.C. 1681i ( a ), which imposes on a consumer reporting agency the duty of conducting a reasonable reinvestigation of disputed information.

The conduct of EQUIFAX was a direct and proximate cause, and a substantial factor, in bringing about serious injuries, and actual damages to Plaintiff that are outlined more fully above and, as a result, EQUIFAX INFORMATION SERVICES INC.. is liable.
Product: Credit card

Dispute XXXX. Fraud purchase was reported to Union Bank Credit card day of transaction. I was informed it could not be canceled till it processed. All forms were completed and returned to Union Bank to resolve dispute. Union Bank merged transferred to USBank. I was waiting for the information to be resolved by union bank and then Us bank did not have any of the information and information had to be provided to us bank. I have called several times and us bank says information is not in system. I was referred to Office of president. And after having been transferred to three case processors since XX/XX/2023. I have not received any written communication. I have had to call them over and over. Finally a person gave me the number of office the president so I could call in. It took a long time to get the office of president number XXXX. I was finally assigned a man named XXXX XXXX. He called my voicemail and left me a message that my case could not be resolved. However, I was speaking to a case processor at the same time and who assigned to my dispute. She did not have the paperwork and admitted to not calling or researching the parties involved in my dispute. I called back Office of President XXXX XXXX and listened to him tell me my timeline ran out. My husband and I asked him a few questions and he did not have a response so I do not understand how he responded on the voicemail they way he did. XXXX said he would call me back after 2 hours and he did not. I had to call him 3 days later. Then XXXX said he was looking into it. I had to wait tillXXXX after I called to be told that he could not help me. XXXX responded Im sorry I cant do anything for you. I asked to speak to his supervisor and he stated there was no one else higher than him to speak with. I firmly believe USBank is wronging me, because their transition processes, electronic platforms, and support staff were not in place to support these type of customer transactions. USBank should be accountable for their behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting a Student Loan with the U.S. Department of Education. Both have received at least three disputes stating that the DOFL, Date Of First Delinquency is wrong and the correct date is 1999. As a consequence, the time for reporting this loan has came and gone. XXXX and Experian are reaging this account.
Product: Checking or savings account

They closed the claim to my savings account. Someone went into my savings and took all I had in savings. {$14000.00}. They closed it stating it had to be me or someone that had my user name and password. It wasnt me and no one has been given my user name and password. Someone from Wellsfargo called me and text me from the wellsfargo number and took my savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent the letters to this beauty in accuracies on my credit report. It has now been over 60 days and I still have no response. I understand that there is a pandemic and the bureaus have up to 45 days to make and challenge all information reported on my credit report.I have even sent letters informing them of the investigation and still no response. I feel as if I was a victim of the equifax Data breach. I am unable to continue with furthering my success with these negative items on my credit report according to Law 611 if the item is not verified it must be deleted
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinsertion of Deleted Information under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) and 1i ( a ) ( 6 ) ( B ) Dear Transunion, Account # XXXX I am writing to request the reinsertion of accurate information to my credit report under the provisions of **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ** and **15 U.S.C. 1i ( a ) ( 6 ) ( B ) ** following the deletion or dispute of that information. I understand that these provisions protect my right to have information reinserted on my credit file if it was removed in error, particularly when a credit reporting agency has reason to believe that the information is inaccurate or incomplete. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I believe that the following items, which were previously disputed and subsequently removed from my credit report, should be reintegrated as they meet the criteria for accuracy, or were removed without sufficient basis. Here are the details of the information in question : ** [ Insert the details of the disputed item ( s ) e.g., account numbers, creditor names, dates, etc. ] ** Under **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **, I request that the deleted information be reinserted to reflect its accurate status, as required by the law. The Fair Credit Reporting Act mandates that information which has been deleted in error or due to inaccurate reporting must be reinserted within a reasonable time frame if substantiated. Additionally, under **15 U.S.C. 1i ( a ) ( 6 ) ( B ) **, I believe the disputed item ( s ) in question were improperly removed or were subject to wrongful dispute, and therefore, I request they be returned to my file.

If you need further documentation or clarification to support my request for reinsertion, I am happy to provide the necessary materials. Please respond within 30 days as required by federal law.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon.

Sincerely,
Product: Credit card or prepaid card

On XX/XX/XXXX, a collection for the amount of {$360.00} was sent to Experian agency due to a late payment from XXXX XXXX. The amount for this collection is inaccurate, and should be removed immediately. 

I have had this account for over five years and have never missed a payment. On XX/XX/XXXX a payment was made and posted. There was a stop payment attached to the card that the creditor was pulling from, so when the debt was being pulled the payment didnt go through. Once I became aware that my payment was late, I immediately paid the entire balance of {$360.00}, which is inaccurate to what was reported to Experian, so I would like for this late payment to be removed. 

I've notified XXXXXXXX XXXX and Experian several times and have sent letters to them as well and nothing has been resolved although the information reported is inaccurate and I have shown goodwill by paying over the amount that was reported, immediately.
Product: Debt collection

Kay Jewelers reflects I opened an account o n  XX/XX/XXXX  which is not true. I have contacted them numerous times over the past 5 years. They have failed to act and state I owe them {$1000.00} which is simply untrue. I have called them well over 30 times this year alone and countless times years past. I have sent them faxes, emails, and letters to have this issue resolved. The latest set of letters were sent in  XX/XX/XXXX ,  XX/XX/XXXX and  XX/XX/XXXX . Kay Jewelers which parent com pany is  Sterling Jewelry  have failed to operate in good faith when someone who was obviously a victim of identity theft notifies them of such and tries to have said theft removed from their credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 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 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

I have recently been informed that there is negative information reported by Wells Fargo Card Services in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a Collection/Charge Off, which you claim I owe a balance of {$2600.00}. 
More specifically, I am referencing the fact that you are reporting the following : No account number given. Where is the account number? Last payment made was on XX/XX/XXXX ; however, in the description of payment history, it states that the account was in good standing in XXXX of XXXX listed as OK referring to a payment received within a 30 day period. Furthermore, what date was the account closed? Credit card companies charge off accounts after 180 days of nonpayment and in this case the account would have been closed in XX/XX/XXXX. Why then are they reporting 180 days late in XX/XX/XXXX which would have been 210 days and 30 days after the closure of the account? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Wells Fargo Card Services and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Validation. I do not consent to e-oscar or any means of automated verification. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX : XXXX Note : I was a victim of a DATA Breach in XXXX and filed a claim against XXXX. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX