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

On the night of XX/XX/2021 my credit cards were stolen. The thief immediately went out on a shopping spree using my stolen cards. However because the transactions all exceed my set alert amount of {$120.00}, received the attached emails stating that the transactions were declined. To ensure all the transactions would be denied, I replied to halt all transactions. Further I locked all my cards, call Chase Customer Service, and filed a police report with my local police department. 

At first there was no issue has Chase 's fraud department removed the charges and credited my account. Unfortunately a week later Chase returned the charges to my account without even notifying me. As a result I had to call Chase 's consumer service and fraud department again about the issue. I was then informed that Chase has a second fraud department called the Chase Fraud Recovery Department. That I had to speak with that department to resolve the issue, however unlike the other two departments they only operate during limited hours. Regardless I called the Chase Fraud Recovery Department and provided them all the information they request to include police report number. I am told they would investigate the matter and it should be resolve soon. 

A month later now in XXXX, I noticed no progress had been made their investigation, so I called them for a second time. The agent acknowledges no progress had been made but promises they would do better on providing me updates and ensures me that I will received an update within the month. At this point faith in Chase is extinct so I closed all my accounts with Chase to include my over 10-year-old checking and savings account. 

Again a month later, XX/XX/XXXX, I call the Fraud Recovery Department angry that I have received no news for the department. The agent says that they attempt to contact me however they did not even leave a voicemail if they did. Further the agent states they mailed me a letter to update me however, I received no such letter and if they actually wanted to reach me an email would make logical sense. 

At this point the fraudulent charges have been on my account for so long that Chase has begun to place interest charges on the account. When I point this out to an agent on the attached transcript, she fails even brother to read my message. I have to message again stating the issue for another agent to inform me to contact the same Fraud Recovery Department. 

Now, on XX/XX/XXXX I have received my first update letter, attached, from Chase Fraud Department stating I am responsible for the fraudulent charges. Despite the attached proof showing the charges were declined.
Product: Credit reporting

I am disputing the reporting mistakes on accounts XXXX XXXX XXXX and XXXX XXXX BANK XXXX XXXX XXXX These XXXX accounts are paid and closed but Equifax started reporting XXXX in the month of XXXX 2016 where XXXX these accounts were closed years ago. 

Equifax is seems to punish me for disputing these accounts by reporting XXXX in the month of XXXX 2016. Due to this inaccurate XXXX in the month of XXXX 2016 My credit scores goes down and it is hurting me. 

There is no activity and We can see the difference in reporting in the attached screenshots.
Product: Credit reporting

am unable to " validate '' to get both my XXXX and EXPERIAN credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ), student loans and auto loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that XXXX and Experian have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! I am a homeowner and have lived at my current address since XXXX 2012 ; I suspect Experian is somehow not using the right address information. 
I have XXXX auto loan ( with XXXX XXXX XXXX in XXXX, MI ) and my mortgage is with XXXX XXXX XXXX in XXXX. I do NOT have student loans or any other mortgages or auto loans.
Product: Mortgage

I emailed Caliber Home loans on XXXX XXXX asking for a payoff statement as I intend to pay the loan off. 
7 days later, they responded, saying that I needed to provide a date that I wanted payoff through and to provide a fax number. 
I responded immediately on the XXXX, saying please give me payoff through XXXX XXXX and gave them a fax number to fax it to. 
Nothing happened XXXX XXXX, I re-contacted them again via email and asked that the case be escalated to a supervisor as I felt they were deliberately delaying me to continue to collect interest. 
XXXX XXXX, I receive an email stating that that they can only send a payoff for 10, 15, 30 days. My prior response on XXXX XXXX with a request for XXXX XXXX payoff would have been 10 days ... 
I sent several more emails asking for a payoff without response. Each time I asked that they escalate to a supervisor. They never did. 
No response since XXXX XXXX. I filed a complaint yesterday with the Federal Reserve and advised them of the fact. No response.
Product: Debt collection

Today XXXX  I sent payment to the company by U. S P.S. mail. Please see attached. 


If the package is not received the debt collection agency should should collect the payment electronically. Copy of documents attached.
Product: Checking or savings account

AS OF XXXX OF 2024 I BECAME THE POWER OF ATTORNEY AND REPRESENTATIVE FOR MY FATHER XXXX XXXX XXXX WHO HAS HAD ACCOUNTS AT BANK OF AMERICA IN XXXX XXXX XXXX ARKANSAS FOR OVER 20 YEARS. MY AUNT, XXXX XXXX WAS THE PREVIOUS POWER OF ATTORNEY. THE BANK HAS DENIED OUR POWER OF ATTORNEY, THEY HAVE DENIED US ACCESS TO THE ACCOUNTS WHICH RESULTED IN MY FATHER BEING IMMEDIATELY DISCHARGED FROM THE NURSING FACILITY HE WAS LIVING IN DUE TO INABILITY TO PAY. AND ALSO HAS CAUSED A GREAT STRAIN AND HARDSHIP ON OUR FAMILY. THE BANK HAS EVEN WENT AS FAR AS TO CALL ADULT PROTECTIVE SERVICES AND SEND THEM TO OUR HOUSE STATING THAT MY WIFE AND I WERE TRYING TO ACCESS HIS ACCOUNTS FOR OUR OWN GAINS AND WERE NOT TAKING CARE OF MY FATHER. 
THE STAFF HAS BEEN VERY DISRESPECTFUL, UNPROFESSIONAL, UNCOOPERATIVE AND VERY DEMEANING TO OUR FAMILY. ESPECIALLY THE BRANCH MANAGERS AND ASSISTANT MANAGERS AT XXXX XXXX, XXXX XXXX XXXX  LOCATION AND XXXX XXXX XXXX XXXX XXXX  LOCATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX XXXX  {$380.00} XXXX XXXX {$630.00} XXXX {$910.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$300.00} XXXXXXXX XXXX  {$380.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$910.00} 15 U.S.C 1681 Section 602 A states I have a right to privacy.

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

XX/XX/2021 and XX/XX/2021. A person tried to apply for a credit card in my name at XXXX XXXX and also Nordstrom bank. I did not do this. I just turned XXXX. I do have an idea on who did it. I called the company and asked what can they do. They said nothin and to call the credit bureau. I called them and they said i have to pass an authentication factor to update my information. I have never made an account to have information to begin with which gives me the impression that someone already made an account. They said unless i pass the Authenticator i cant dispute the inquiries. I just turned XXXX. I dont know what to do. Ive tried to get a social change and apparently my situation isnt serious enough.
Product: Credit reporting or other personal consumer reports

I have cleared my debit through XXXX XXXX XXXX program. That had cleared all the debit i owed Then this collection agency placed the debit back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the prior Chase complaint with the CFPB, which has been closed by CFPB and is unresolved. 

1, Chase stated that I was still an authorized user on XXXX XXXX 's credit card and asked if I wanted this removed from my credit report. My credit score has been impacted negatively. I am requesting that this is resolved immediately.

2. I did not agree to be an authorized user on XXXX XXXX 's account, as per my last complaint. This is fraud. Chase claims that XXXX XXXX is to blame, not them. 

3. As discussed, my attorney and I need all statements for transactions on the following card : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to show to the court in XXXX, index XXXX, and to XXXX XXXX. 

Thank you.
Product: Checking or savings account

A fraudulent transfer was made on my Bank of America checking account via XXXX. Someone accessed my account and sent {$10000.00} to an unknown person. I contacted the bank right away and been told time and time again, they can not help me. They claim that XXXX is a third party and I need to work with them. I've contacted XXXX and because the transfer of funds was made using the Bank of America XXXX portal, and not the XXXX app directly, they turned me away and advised on the bank can help me. After ( 2 ) weeks of going back and forth with Bank of America and submitting a claim for fraud / unauthorized transaction, the bank has denied my claim an closed the case.
Product: Money transfer, virtual currency, or money service

PNC is no longer allowing XXXX to connect with my personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a credit pull I never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 1261 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

In early XX/XX/XXXX, I checked my credit score / accounts status on XXXX XXXX, and noticed that there were charges amounting to {$1200.00} on a credit card that I hadn't used in years. The charges were made on XX/XX/XXXX. I immediately informed the credit card company, FTC, and also filed a dispute with both Equifax, and XXXX XXXX. Upon completing their investigations, the credit card company established the charge were fraudulent, and issued a credit for the full amount, deactivated the account, and reissued a replacement card. At that time, both Equifax and XXXX XXXX corrected the problem, and my credit score. A short time later, I went back on XXXX XXXX again, and saw that ( only ) Equifax had now taken the same fraudulent charges, and reapplied them to the replacement card, and dropped my credit score again. I called Equifax, and once again a dispute was filed. Ironically, when Equifax had the data breach in XXXX, I was informed that I was among the many who's information was compromised. 
We are now into the third month, and they have yet to correct their information, despite what the credit card company has concluded, as well as sent me a letter stating such. Dealing with Equifax has been nothing short of frustrating.
Product: Debt collection

I'm writing to you today because the bureaus ' rejection of my identity theft claim has left me feeling incredibly frustrated and distressed, and it has been growing steadily. I have followed all of your bureau 's instructions, so I find myself in a confusing scenario where my valid claim is denied. 

This terrifying identity theft experience I've had has been nothing less than a nightmare. I have carefully followed your instructions to the letter in every action I have taken, document I have provided, and report I have filed with law enforcement. 

I'm quite upset as well as frustrated by this unfair rejection. It is impossible to overestimate the toll this experience has had on my emotional stability and financial security. The idea that I am encountering such opposition after carefully following your instructions is depressing and frustrating. 

I implore you to acknowledge the seriousness of my circumstances and the consequences of delaying action. As a consumer and identity theft victim, my rights are being flagrantly disregarded, leaving me feeling helpless and voiceless. 

XXXX XXXX XXXX XXXX XXXX has XXXX XXXX this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand that my identity theft allegation be given the fast attention and thorough investigation it deserves by your agency. My patience has run out, and I'm at my breaking point. I'm determined to see that this is accurately and quickly resolved. 

I anticipate receiving a formal acknowledgment of my dispute letter and a prompt commitment to fully investigate my identity theft allegation. I'm beyond frustrated and distressed, but I'm not going to give up on finding justice and a solution.
Product: Debt collection

In accordance with the Fair Credit Reporting Act ( FCRA ), a fundamental legislative framework established to protect the rights of American consumers with regard to credit reporting, I hereby initiate a formal dispute concerning the following account : Account Details : Account Name : XXXX XXXX Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening : XX/XX/XXXX Open/Closed Status : Closed Status Update : XX/XX/XXXX Account Type : Revolving Status : Not more than two payments past due Balance : {$2300.00} Balance Update : XXXX XXXX XXXX Credit Limit : {$3000.00} Monthly Payment : {$52.00} Past Due Amount : {$52.00} Highest Balance : {$3100.00} Responsibility : Individual Account Upon reviewing the reported information, I have identified discrepancies and concerns related to the status of this account. Specifically, the reported " Not more than two payments past due '' status and associated late payments inaccurately represent my understanding of the account 's payment history. Furthermore, the reported balance and past due amount appear inconsistent with my knowledge of the account 's financial activity. 

I wish to emphasize the significance of the FCRA, particularly the following sections : 15 U.S.C 1681 Section 602 A : This section underscores my right to privacy and the importance of accurate credit reporting. 
15 U.S.C 1681 Section 604 A Section 2 : This provision establishes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal mandates and the disparities noted in the account reporting, I formally request a thorough investigation into this matter. I expect Equifax to diligently address the discrepancies, rectify the inaccuracies, and ensure the reporting aligns with the principles stipulated in the FCRA. 

Furthermore, I assert my right to cease all communication tactics related to this account. I anticipate no further communication attempts from any parties involved, including debt collectors. 

Your swift attention to and resolution of this dispute are greatly valued. I anticipate your dedicated efforts in addressing this matter and upholding accurate and equitable credit reporting. Thank you for your cooperation and commitment to the fundamental tenets of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence.

I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. XXXX XXXX XXXX Kind regards, XXXX XXXX Enclosures : Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX, I filed a dispute with this credit bureau about the unverified account XXXX XXXX -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed inquiries on there that are not mine.
Product: Credit reporting or other personal consumer reports

Upon viewing my credit report, I noticed fraudulent accounts on my report. Please remove them as they are hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance $ XXXX This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance {$6000.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX  XXXX XXXX XXXX Balance $ XXXX You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXXXXXX Balance $ XXXX Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.
Product: Credit card

I had XXXX 0 % promotional balances - XXXX expired XXXX/XXXX/17 the other expires XXXX/XXXX/17. On XXXX/XXXX/17 I made a payment of {$6700.00} fully expecting it to go against the expired promotional balance which was now at 10.74 %. Instead the payment was mostly applied against the XXXX/XXXX/17 promotional balance and Chase started charging me 10.74 %. When I called and spoke to 3 levels of Chase management, I was finally told by XXXX, a Manager, that they could apply the payment anyway they want ( to their advantage ) and I had no recourse
Product: Debt collection

I have been disputing a debt from Portfolio Recovery Associates. In response to a request for proof of validation, PRA sent me a bill saying that I owe a balance of {$180.00} This is not a proper validation of the debt. In response, I submitted a complaint to BBB demanding that PRA send me proper validation of the debt and proof that I signed a contract to pay this debt. I specifically listed items that I would like in order to validate this debt. PRA did not send me this information once again. In response to my complaint to BBB, PRA claims to have the documents that I am requesting but they still have not sent them to me. I refuse to take their word it and demand that they send me this supposed information they claim to have, including the names and phone numbers of those that they spoke to in order to obtain that information. Given PRAs delayed delivery of the requested documentation, I am convinced that they really dont have any information to give me other than a bill that they keep sending. I have advised PRA that they must remove this debt from my credit report if they can not validate it AND send proof of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to fix and raise my credit score to get a better interest rate for a home mortgage loan. I got a secured credit card from Bank of America a year ago with a {$1000.00} limit. I was getting a high balance reporting to the credit bureaus, so I raised it to {$5000.00} two months ago in may. The credit bureaus indicated with a higher credit limit better chance to get a higher score on my reporting, along with paying down any balance on XXXX before the billing statement that is generated on the XXXX of each month this would reduce the high balance. I then raised it again to XXXX the max it would allow me. I found out Bank of America was not reporting on the  XXXX  of each month on time as they indicated. I get weekly statements from XXXX  and called in to see what is happening? They stated bank of America has not being reporting on time for the last two months? to get me my current score with the additional increase of {$10000.00} limit? I called in to complain two months ago about there reporting and again on XXXX-2021.
Product: Credit card

I received a Cash App XXXX debit card in the postal mail today. I did not apply for it. The only way I have used Cash App is to collect restaurant points. I read online that this is likely a scam. I did not activate the card. I contacted Cash App support and reported the fraudulent activity. They said they escalated my case and are working to resolve the issue.
Product: Bank account or service

I have had a non active checking account for many years. 
It has held a {$5.00} balance as a local branch person told me to keep it open. 

XX/XX/2017 the bank assessed a dormant fee of {$10.00}. These are terms they just dreamed up I guess. Banks do n't earn money they fee people. 
I contacted via online through the onlne banking system. I told them to reverse the new made up fee and to close the account and send me the {$5.00}. 3 TIMES Reached the call center today after receiving a collection letter for their made up fee reiterated the entire story to some " Business banking specialist '' and they maintain their XXXX stance on their fee. 
Was n't this the same bank that was scamming people on forced placed insurance a while back too.