23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX  is trying to charge me for services that i did not need. The policy was too expensive and I moved they didnt have banfeild where I was. I called them after not taking my dogs there for months and still being charged. They in turn called incessantly and now have sold My personal information to a third party without my consent or knowledge. IC solutions who have now reported the same account to collections 2 times on the very same day. As a result I have XXXX separate derogatory hits to my credit file and my score reduced significantly. This is not only illegal but unethical.
Product: Debt collection

Repeated phone calls from Portfolio Recovery to my cell phone. I have no outstanding debts that I should be contacted about. I sent a registered cease and desist letter to Portfolio Recovery per their associate that I had a conversation with.
Product: Checking or savings account

The Chime Credit Builder account mimics a personal checking account but acts as a credit account in the name of building credit. Chime charges transactions as a credit transaction, but they will only authorize the transaction if I have the funds prepaid in the account balance and they immediately seize the funds and hold them until they " pay off '' the account each month.

Reg E provisional credits are required to protect personal account funds due to unauthorized access to a consumer 's funds. Chime says my Credit Builder transactions do not qualify for a provisional credit under Reg E because it's a Credit transaction/loan.

My major point of contention is that I called Chime and reported possible account breach and unauthorized access within a few hours of my phone being stolen. I reported the fraudsters had access to my telephone numbers and my email and the Chime app on my phone. Chime failed to take appropriate action and freeze the account and allowed fraudsters to log into the account, make transfers within the account, and allowed 16 charges over 3 days before they finally appropriately froze the account only at my insistence after I spent 3 hours 20 minutes on the phone with 7 representatives because I refused to get off the phone until they fully stopped all transactions and activity. Had I not been so insistent, more fraud would have happened with my personal funds.

So we have a situation where Chime allowed the fraud after I reported it and they kept just under {$350.00} of my personal funds on deposit with them and are advising me that I may not see my money until XX/XX/XXXX ( XXXX months ) when the investigation concludes. 

I take exception to Chime taking advantage of me and holding my personal money while they investigate charges that were their mistake to allow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a store credit card with Macys. In XX/XX/2020 they reported my account to the credit bureaus as late. I contacted them to advise them that I was affected by Covid-19 and had a temporary loss of employment. They sent me a letter stating their findings were accurate and that they could not remove the late payment status from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I XXXX XXXXXXXX natural person and consumer pursuant 15 USC 3002 , is aware that TRANSUNION, XXXX, and XXXX are violating my federal consumer rights. The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. The FCRA allows a consumer reporting agency to furnish a consumer report for purposes In accordance with the written instructions of the consumer. I have not given my written instruction to report the following accounts XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX. These accounts have been sold to a third party debt collector. This information has been furnished without my knowledge, permission or consent. Pursuant 15USC 1681 a ( 2 ) a ( iii ) I have the right to be given a chance to direct the information about a transaction I had to be reported or not XXXX XXXX XXXX. Any transaction authorized by my social security number the real credit card defined under TILA pursuant 15USC1681a ( 2 ) b and must be excluded from you consumer report. Pursuant Regulation V a furnisher must conduct a reasonable investigation of a direct dispute if it relates to any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Investigated report must have sources of interviews of family and friends pursuant 15 USC 1681a ( e ).
Product: Credit card or prepaid card

I disputed some charges that my General Contractor ( for a home remodel ) charged for labor and materials that he didn't buy/complete. Chase/Visa resolved 4 of the 5 charges ( in my favor -- the contractor didn't even respond or try to appeal since it was a clear-cut case ). The 5th and final charge wasn't resolved in my favor only because of a timing issue that Chase had with VIsa. My contractor charged this amount in question on XX/XX/2018. I filed the dispute XX/XX/2018 ( after giving the contractor many chances to buy the materials and complete the job I had paid for ). Visa gives 118 days to file a dispute from the date of the transaction. This was only 109 days ( within the time frame ). Chase 's dispute team took too long to file it to Visa ( once it was already after the 118 days ) and that is the one and only reason that the Contractor will end up with my money that is essentially stolen. This con-man will " win '' only because Chase didn't file it in time to Visa. I am an extremely loyal Chase customer and it took 5 calls to finally get a supervisor to finally get on the phone only to tell me that it didn't go through only because of timing.
Product: Credit card or prepaid card

We have a XXXX XXXX XXXX credit card with hundreds of thousands of points. We find it virtually impossible to use our copious points to book travel. Yesterday we were locked out of our account ostensibly because our account number, member number and password do not match their records. I have spent hours going through all of their online options to fix this but find nothing. You must be able to log in to do anything and I can't log in. None of the preprogrammed options address our problem. If you try to call them you get a preprogrammed message that says they will call you back but they never do. I was able to reach a human being on a number associated with our local airport but he could not help me because our account access is locked. Now I can't find a way to unlock our account. I just want to find a way to use our miles and change to a different credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX - has violated my rights. 

15 U.S.C 1581B Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

DID I GIIVE YOU WRITTEN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT? 

FUTHER MORE THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 I HAVE NOT GIVING TRANSUNION, XXXX, XXXX ANY WRITTIAN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT. 

This Agency is in violation of 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts have been attributed to my file that were opened by a thief and not me. 
XX/XX/XXXX {$6500.00} XXXX XX/XX/XXXX {$430.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX  shows a negative past due amount and closed charged off card for the amount of XXXX dollars. I called the number on the report which is completely different from the one on my credit report, ( I eventually found the correct number by looking up their website. ) Both times I spoke with a representative they only wanted my full social security number to proceed. When i explained that I was not comfortable giving this information, the first agent became upset after XXXX minutes and disconnected the line on me. The second agent would not provide an address to write to dispute this claim. I have never had a card with XXXX XXXX XXXX and this is negatively impacting my credit score.
Product: Mortgage

I was told in XXXX XXXX that I had to apply for a new loan as the balloon on my HELOC was coming due in XXXX. That request was denied but no alternatives were offered other than to pay off the $ 99,000+ balance. By the time a loan modification was finally offered to me in XXXX my XXXX payment had been missed as no one at Bank of America would tell me what to do. Once the modification was under way in XXXX I was instructed to make a double payment which I did on XXXX XXXX, XXXX in the amount of {$450.00} to make my account current. That payment was misapplied and split into an interest and a principal payment instead of being applied to the XXXX and XXXX payments. I applied for and was granted a loan modification on the above Home Equity Line of Credit on XXXX XXXX, XXXX. This process lasted nine months during which time I made interest payments as directed by Bank of America on time and in the amount requested. However Bank of America reported all nine of  these payments as " missed '' to XXXX and XXXX which has severely impacted my credit score. I am requesting that these are removed from my credit report as it does not accurately reflect the integrity with which this loan handled. There is a big difference between ignoring a financial obligation and following instructions of a loan modification representative. In the ten years prior to the balloon date of my HELOC all of my payments were made on or before the due date and more than the minimum payment was made. During the modification process ALL of the payments were made on time and in at least the amount requested or more. The purpose of credit reporting is to indicate a borrower 's credit worthiness and commitment to repay their debt and I have made every effort to repay this loan in a timely and consistent manner and fulfilled all requests for documents during the modification process in 48 hours or less in an attempt to expedite that arduous process. This report has seriously impacted my credit score causing my homeowners and car insurance to go up substantially and I see no purpose in Bank of America damaging my credit score when I have fulfilled all that they required from me with this loan.
Product: Debt collection

This number keep calling me everyday telling me I owe XXXX money, but double checked with XXXX, I do n't owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting incorrect information to Exprian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX reported to the Experian that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone number, and names corrected on my report this is a violation of my consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My recent dispute did not resolve my current issue with the 3 major credit reporting agencies inwhom is obviously reporting information that has not been physically certified by any documentation. I'm demanding an re investigation into these accounts as well as an detailed Method Of Verification used. I need the names and title of all employees inwhom conducted this investigation, the stamped date and time and the certified documents used .Also I would like a copy of them documents The disputed accounts are as following, # 1 XXXX XXXX Account Info , # 2 XXXX XXXX {$0.00}, # 3 MO XXXX XXXX {$2700.00}, # 4 XXXX XXXXXXXX {$0.00}, # 5 XXXX  XXXX {$0.00}, # 6 XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting Act XXXX  Account # XXXX ( XXXX  XXXX ) XXXX XXXX # XXXX XXXX  XXXX XXXX # # XXXX ) / XXXX  / XXXX  # XXXX / XXXX XXXX XXXX # 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 a account without my written instructions
Product: Debt collection

Portfolio Recovery Services calls me extremely frequently dispite me requesting them call me outside of work hours. I gave them specific days and times to discuss matters with me but still they call. They call me on Sundays, they also call me Saturdays and past XXXX. They use fake phone numbers to contact me with local phone numbers so I mistake them for my clients while I am at work. I have asked them numerous times to not contact me via phone on weekends, yet they still do. I requested they only contact me via writing, they do not. It is harassment at this point.
Product: Credit reporting or other personal consumer reports

Unauthorized and unlawful credit utilization and late payments Transactions and experiences are illegal to report ( 15 U.S. Code 1681a - Definitions ; rules of construction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Prohibition ( A ) Reporting information with actual knowledge of errors 15USC 1681A 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 pf this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit card or prepaid card

On XX/XX/14 I contacted Fortiva Retail Credit XXXX 2 times and spoke to 2 representatives. I was looking to get information on financial hardship for COVID related reasons. I am currently up to date on my account and was looking to get ahead of being behind. Both representatives explained there were no options and provided 3 numbers to 3rd party credit counselors, when you call there are promotions and fees. I did ask one of the Fortiva Representatives if I could close my account and make low monthly payments, she closed my account and said I had no options on the payments. I then tried to text a representative through the Fortiva website and texted a XXXX who also provided the same numbers and when asked about late fees and interest said I would still accrue both even if the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an alert on XXXX XXXX account stating I had a hard inquiry from a company call XXXX XXXX Further investigating I called the company Genesis Financial Solutions giving my personal identity to see if they can find me in their system. No one could help me so I decided to file a complaint with XXXX XXXX XXXX 
I would like this hard inquiry removed from my account due to fraudulent activity.
Product: Credit reporting or other personal consumer reports

I have my current Credit Report and I saw that the inquiries that I requested to be removed are still reporting and no one even sent me a response the reason of why Experian have not remove this from my credit file. I am reaching out to highlight my serious concern about these fraudulent inquiries that are reporting in my credit profile. I didn't have any knowledge nor did I authorized these companies to have my credit report pulled for whatever their purpose is. This is a breech on the security of my data. Please have them block all unauthorized and fraudulent inquiries on my file. Here is the list below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

The attached exhibits clearly display each violation of federal law per the FDCPA against my consumer rights that XXXX  XXXX XXXX has committed and if I did not send a cease-and-desist letter on XX/XX/2021, XXXX XXXX XXXX would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not a loan and I am not a borrower instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. XXXX  XXXX is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. XXXX XXXX XXXX also has been sharing my information with 3rd parties that were not involved at all with the initial consumer credit transaction which also violates federal law. XXXX  XXXX XXXX has caused much pain and hardship for me and my family as consumers and they must be stopped before XXXX  XXXX XXXX continues to violate other natural persons consumer rights. The referenced XXXX XXXX XXXX account # : XXXX should be deleted from all 3 of my credit reports ( Equifax, XXXX, XXXX  ) and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.
Product: Credit reporting or other personal consumer reports

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX BANK XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not confident that XXXX Credit Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX is reporting inaccurate information on HSBC BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I had a hard credit check on XX/XX/22 and I did not know why. Instinctively, I didn't want to assume fraud/incompetence as maybe it was legitimate and I had forgotten why it would have occurred. After consideration, I could not think of a reason why it had been pulled, so I challenged it through Equifax the same day. I got back a response that basically made it look legitimate. I tried calling the bank this morning that originated the hard inquiry, and I got nowhere after being transferred multiple times and having a very difficult time understanding the person on the other end of the phone. I explained to the lady that I wish to understand if 1 ) this was fraud, 2 ) this was done in error, or 3 ) if this was legitimate and I can not recall the context. By the end of the call she just kept the call running ; didn't hang up but no longer was on the call. I kept the call running long enough to find out that I should now go to the CFPB with this issue, explained that to her ( who presumably was still on the call somewhere... ), and then hung up.
Product: Money transfer, virtual currency, or money service

This matter is regarding Zelle lawsuit withCFPD. I was a victim of a fraud transaction with Zelle. Zelle did not investigate the transaction. I was also able to get the news involved and still my issue was not resolved.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing to request your assistance in addressing several inaccuracies on my credit report that require correction under the Fair Credit Reporting Act ( FCRA ). After a recent review, I have identified the following issues that need attention : Inaccurate accounts Incorrect addresses Billing inaccuracies I would greatly appreciate your help in resolving these matters and ensuring the accuracy of my credit report. Thank you for your prompt attention to this issue.
Product: Credit card or prepaid card

Every time I add an authorized user they restrict ALLLL my accounts. They state they need to verify identity on THE EXACT same individuals they have already verified identity on. They do not even give any notice they have restricted all accounts to verify one acct that they already social securities and front and back id cards on. These individuals are listed and been verified on at least 10 other accts yet Capital One insists on restricting accts and making me submit and resubmit and resubmit these people 's identification. I have had to literally make a photo album for all these people to carry around in my phone so their identification can be compromised if my phone is ever lost or stolen just to add them and help them build their credit. Now you attempt to send these documents to a link they that anytime you attempt to send a piece of information is just stays on the page and never uploads the information. Their identifications have already been verified on Capital Ones acct listed below XXXX XXXX ( mother ) accts XXXX and business acct card XXXX XXXX XXXX ( brother ) XXXX, XXXX and XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX my brother ) also restricted for adding same authorized users that's already been verified under XXXX XXXX and XXXX XXXX