23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, XXXX XX/XX/year>, the mobile phone received a text message confirming a purchase of a chase credit card. I didnt know it, so I sent a text message to reject the transaction, but I checked the bill and found that a previous purchase had been made successfully. The consumption amount was {$1200.00}, so I Contact Chase customer service, they said they would investigate, the amount was temporarily removed, but after a month, the charge was recharged, I contacted customer service, they asked to submit the alarm record, and police report. After I submitted it, they still did not refund me I am writing to file a formal complaint against Chase Bank related to unauthorized charges on my credit card and the subsequent dispute resolution process. Despite promptly reporting the unauthorized charges amounting to over {$1000.00}, Chase has refused to acknowledge my limited liability under the Fair Credit Billing Act ( FCBA ) and insists that I am responsible for these charges. 

I reported the unauthorized transactions to Chase immediately upon noticing them on XX/XX/year>. However, my dispute was denied, and I was informed that I am liable for the charges incurred due to the unauthorized use of my credit card.

Under the FCBA, I understand that my liability for unauthorized use of my credit card is limited to {$50.00}, and I have acted within the stipulated timeframe to report the unauthorized transactions. I have attempted to resolve this issue directly with Chase through their formal dispute resolution process but have not received a satisfactory resolution.

I seek the CFPBs assistance in resolving this matter. I believe Chases actions are not in compliance with the FCBA, and I am seeking a reversal of the unauthorized charges and a formal acknowledgment of my limited liability in this situation. 

Attached to this email are copies of my correspondence with Chase, evidence of the unauthorized transactions, and any relevant information regarding my attempts to resolve this issue. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this dispute. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have checking, savings and a credit card with Capital One. On XX/XX/2023 i received a late night call ( XXXX XXXX! ) from XXXX XXXX XXXX XXXX alleging he is with Capital One and wanted me to approve something. I hung up but he continued to make XXXX more calls which I did not answer. Following day I got several alerts from XXXX advising me of inquiries put on my credit report by Capital One. When I called capital One they discovered that another person with my personal information applied for a Venture credit card which was approved They then closed it and initiated a fraud investigation which can take XXXX days. I am not aware that the new card was used and it's not showing on my credit report
Product: Debt collection

Allied account services reported me to the credit bureaus for delinquent payment on my final bill. Due to Covid national grid did not send a final bill till XX/XX/2020. By that time they sent it to collections. Allied account services did not even try to contact me. Had they contacted me they would of known I had already paid the bill in full. They report inaccurate information to the credit bureaus. They knowingly do this. Reporting inaccurate information to the credit bureaus is against the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

: CAVALRY PORTFOLIO SERVICE & XXXX XXXX XXXX Account # XXXX {$370.00} Account # XXXX {$410.00} In a recent review of my credit report, I noticed that this company has placed an erroneous and derogatory entry, claiming that I owe {$370.00} & {$410.00} I have no account with them, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since ( XXXX XXXX ) ( CAVALRY PORTFOLIO SERVICE ) i believe are the same companies saw fit to place these item 's on my credit report, they obviously have all the information they need in order to investigate and correct there error. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay these debts, and there is some contractual obligation which is binding on me to pay these debts. Please also be aware that a sworn affidavit from there compliance officer does not constitute a valid validation of these debts. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 

I also hereby reserve my right to take private civil action against you to recover damages.
Product: Mortgage

I recently filed bankruptcy stop the property foreclosure sale of my home. 
My Bankruptcy has been dismissed and I recently submitted financials and request for mortgage modification again. Regions bank has given me a hard time with my request for mortgage assistance. Regions has informed me last week they would not review my file because I was on XXXX. I did provide the requested documents I don't want to lose my house to foreclosure. Received a letter in the mail from the XXXX XXXX  XXXX Regions foreclosure attorney stating there is a property foreclosure sale set for my home XX/XX/2018. The letter is dated XX/XX/2018 the Tennessee law states the homeowner is to be given 30 day notice before the property sale date. I didn't receive this notice 30 days before the sale date. I feel I'm being discriminated and not being treated fairly. see attachment
Product: Credit card or prepaid card

See attatched USAA STATEMENT of XX/XX/XXXX MC end XXXX. I DID NOT OPEN THIS ACCOUNT. How are there charges USAA hold me liable for when I NEVER OPENED OR ACTIVATED THIS CARD?? USAA please provide Written Documentation of Drivers License and original signature REQUIRED BY USAA POLICY TO OPEN THIS ACCOUNT. WHEN & WHO ACTIVATED?? How are there charges on a card I HAVE NEVER HAD POSSESSION OF?? The documentation provided to USAA to open this account PROOVES This is THE CRIMINAL.. Show this documentation to FBI. USAA HAS HELD ME LIABLE FOR ID THEFT SINCE XXXX NO RESOLVE.see attatched ADDITIONAL USAA ACCOUNTS IN MY NAME ALL AT SAME TIME.?? HOW MANY ACCOUNTS CAN ONE PERSON HAVE? I ONLY OPENED & AUTHORIZED THE MC end XXXX IRS CANCELED DEBT * DEBT DISCHARGED XXXX DEBTOR NOT LIABLE FOR DEBT & this is DELIQUENT ALSO?? ID THEFT BEEN GOING ON A LONG TIME @ USAA I WAS UNAWARE. MY CREDIT DESTROYED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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: Mortgage

in XX/XX/XXXXXXXX  I have had a to watch the loan via. the online portal because the statements for payment would come just days before payment due date, I have taken screenshots with my phone to document payment due with XXXX due in 20 days then the amount due would show up 19 days before due date or less, always on to of it and never late. they would apply the payment just before its late. 
this gone on for the past 7 months, have spoke to them on phone with no help, this last XX/XX/XXXX they stated they never received my check that was sent from my banking institution, so I had to go to my bank to cancel the lost check and sent another. yesterday they should have received the check XXXX XX/XX/XXXX, when I called they stated they still have not received it? the payment is in the 15 day grace time frame. the said my account is all up-to-date otherwise, the statement for the XX/XX/XXXX for example was received by me in the mail 5 days before the due date XX/XX/XXXX, XXXX but they should have received the check on XX/XX/XXXX according to my bank. that is the one the say they never got.. 
I am requesting them fix the issue but they have been on help.. 
from XXXX to present the account seems to have lots of discrepancy please help.
Product: Credit reporting

Equifax continues to lie regarding the credibility of their investigations including but not limited to a collection account from XXXX XXXX. On top of that have frequently re inserted negative information already deleted.
Product: Mortgage

I requested an appraisal on my property in order to remove PMI, since property values in my area have greatly increased over the past XXXX years. A broker came out to my house and provided a brokers price opinion. His report had multiple incorrect items and the price he concluded could not be backed up by numerical values of other homes in the same neighborhood. His price was also XXXX less than my homes value for property taxes. The broker was not familiar with the area and shouldnt have been called out by the mortgage company. The mortgage company denied my request to remove PMI.

I appealed the decision and provided multiple examples of why the brokers price opinion was inaccurate. I also calculated the price per square feet of local comps in order to provide the mortgage company an estimate on my homes value. I received a phone call on XX/XX/year> at XXXX XXXX. The agent stated my appeal was received but the value of my home didnt change. I asked him how they supposedly calculated my homes value and he said he didnt know. He then said he would send me the report in order to answer my questions ; I never received the report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate entry on my credit report. The item in question is a car loan from XXXX XXXX XXXX XXXX, listed under account number XXXX. This loan should no longer appear on my credit report, as both my insurance company and gap insurance paid off the loan in full due to the total loss of the vehicle. Additionally, XXXX XXXX has incorrectly labeled the car as a XXXX  after receiving the payment from my insurance company to cover the total loss. This item has only been reported on XXXX and Experian, and it has already been removed from XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXXXXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting or other personal consumer reports

Lender continues credit reporting monthly after repossession confirmed on XX/XX/XXXX the account is non active for reporting monthly installment fees still being reported after XX/XX/XXXX & XX/XX/XXXX back to back delinquencies as this has not been variable per contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of Identity Theft and have my Identity Theft report attached along with this complaint. I have attempted to reach out to the companies who initiated the fraudulent accounts and the credit reporting agencies but nothing has been rectified as of now. 

In XX/XX/XXXXXXXX  my wallet was stolen while at a XXXX in XXXX, California which contained my social security card, my driver 's license, and bank card. I was also notified that my personal information was compromised in data breaches by Equifax, XXXX, and XXXX. In XXXX of XXXX  I checked my actual credit report for the first time since that situation occurred and found fraudulent accounts listed that I did not authorize including inquiries for credit products that I did not authorize. 

Those items are listed below : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They did not let me make a payment unless I had an ID I had lost my Id and it took 2 months to get it from the XXXX but since it was around XXXX the XXXX was delayed the company was dollar loan center And XXXX XXXX
Product: Credit reporting

This company is reporting a tax lien that has been withdrawn by the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps referring to me as a XXXX  and I have submitted numerous amounts of documentation to prove I am not.
Product: Money transfer, virtual currency, or money service

I have a venmo debit card and on XX/XX/XXXX i lost my phone and wallet wwith debit card in it i have contacted them gave them all the right info and still can not get into my account because i also forgot the password i gave the lady all the correct info and sent picture of my i.d all that and after about n hr n the chat she was like i cant help n ended the chat i have over a XXXX dollars in my account but there is no way toget thru to a live person. Cause im still logged into tthe account on the phone i lost. She just was no help it is very simple i lost my phone ane card i need to be able to get into my acvount to order another one. But i cant do thr forgot password cause thr confrimation code goes to my old number i kno some one. Can help me with this thank ylu
Product: Credit card or prepaid card

The first week of XXXX XXXX, Capital One was advertising ( 1 year 0 % interest rate promotion ) online. I applied online and the second day a representative from Capital One called me on a recorded line to notify me that I was approved for a 1 year 0 % capital one credit card. After XXXX XXXX if I do not pay my balance I will be charge an interest rate of 25.4 %. However, my first statement dated XXXX had 0 % interest rate which was good as agreed. The next statement dated XXXX I saw a interest charge of {$48.00}. I called Capital one and representative said to me that they apologize for the mistake that my account was indeed 0 % interest for 1 year and that they will waive the charges. 2 months later I see my statements and I noticed Capital One continue charging me interest rates and my credits were never given back to my account as I was told previously that I will get credited for the inconvinience. I called Capital one and requested to speak to Supervisor and she told me that my account in a program for 6 months 0 % rate only and then she changed her story and told me I was in a 9 month 0 % interest and I will begin getting 25.4 % interest charges effective XXXX XXXX. But I told Supervisor that I 've been charged interest since XXXX XXXX so it does n't make sense to me. I called again Capital One and I requested to know what program am I enrolled and representative responded " your enrolled 25.4 % program from day one ''. I asked representative what happened to my credits capital one was supposed to remove last month I called and another representative said that I was charge interest in an error and that they had apologized and were going to remove those fees but I never saw any credits on my account. This representative responded that they were no credits on my account b/c I was never enrolled into a 0 % interest rate program. So far I 've been charged over {$480.00} in interest. Every time I call I get different responses and there always apparently investigating my account. I do n't understand.!! ... All calls are monitored and recorded so I know if they are heard they will find discrepancies from CapitalOne representatives.
Product: Credit card or prepaid card

Please refer to my previous complaint XXXX on X/XX/2017 This a fresh or new complaint about the same card product.
I have added this card into my userprofile at americanexpress.com which already had my blue rewards card.
When i have all my cards added to my user profile - why did n't the new card ( Delta Skymiles card ) are having auto pay setup as per the user profile? and Amex can not have the excuse that we have to verify the bank account or user might wanted to pay using some other way - that 's all lousy excuses. Moreover I have constant issue with the customer service chat : 1 ) I can not save, print or sent the chat via email - every other financial institution let me do that - why not Amex? Is Amex does n't want to be on the record?
2 ) As per AZ law every conversation that i am part of should be recorded by me - if Amex is recording the chat - why not me?
3 ) And why it is so difficult to reach the customer service? Almost a wait of 9 minutes on the chat. Is this what Amex is bragging about JD Power Customer satisfaction award?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION  COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification  CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX THIS ACCOUNT STATES THAT I HAVE A Maximum Delinquency of 120 days in XX/XX/2012 for {$8600.00} and in XXXX AND I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENTS OFF XXXX XXXX XXXX XXXX XXXX  ACCOUN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ( XXXX ) XXXX THIS ACCOUNT STATES I HAVE A >Maximum Delinquency of 30 days in XXXX HOWEVER I WAS NEVER LATE ON THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX of 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

COLLECTOR FAILED TO VALIDATE AND IGNORED CEASE AND DESIST, REC 4 CALLS TO MY DADAS CELL PHONE, INVALIDATED DEBT INQUIRY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED CHAPTER XXXX BANKRUPTCY CASE NO. XXXX