23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, a call came to my wife 's cell phone from Chase Bank Fraud Protection stating that her debit card ending in xxxx ( correct numbers ) had been attached to a XXXX XXXX. The automated voice assistant said to press 1 to authorize and 2 to deny ( or something like that ). She pressed 2 and then the automated assistant stated a code would be sent from Chase via text and to enter those digits. My wife had issues understanding and following the instructions but the phone kept ringing and the texts kept coming. Finally she entered the code which then initiated the fraudulent withdrawals from our Chase account. Chase was contacted by phone immediately to stop the withdrawals. {$4800.00} was taken before it was stopped. The card was cancelled and new usernames and passwords created. Chase initiated the investigation and we were provided a preliminary repayment on XX/XX/XXXX. On XX/XX/XXXX, the refunds were reversed by Chase Bank. I contacted the Claims department and was told that because my wife provided the code to the fraudulent Chase caller, this was not considered an Unauthorized Electronic Fund Transfer. After researching Regulation E and visiting the local branch, I was told the same thing and that claim was closed. I filed a police report and then researched the definitions in Regulation E further ( XXXX ( m ) specifically ) and online legal opinions. I called the Claims department back and Chase returned the refunds to my account. I'm left feeling that if not for my pushback, Chase would not have returned the money that is clearly protected by Regulation E.
Product: Student loan

I was hoping to be included in the recent Navient lawsuit because of predatory loans pushed on me while I attended art school. Unfortunately it seems as though they are only including certain art schools in the particular lawsuit. For many years I was in default or forbearance and couldn't afford Sallie Mae 's outrageous monthly payments but I was told my only options were different forbearance programs instead of income based. Due to that, even with me struggling to make the full monthly payments for years now, my owed amount is still greater than what I originally borrowed. I am 15 years into a 30 year loan and my payments haven't even paid any principle balance off. I fall into every category for the settlement except the exact school on the list of art academies. I was bullied into making the full payment amount on the premise that I could remove a co-signer from my loans but the after the 1XXXX consistent full payments were made and I tried proceeding with a co-signer release they told me I didn't qualify because I never completed my course of study. They took me off of my reduced payment plan knowing my intentions of trying to release my co-signer and never mentioned that requirement until I tried to process it.
Product: Credit reporting or other personal consumer reports

To : EQUIFAX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on several dates without my permission, or without a permissible purpose by law, you are also in violation of Fair Credit Reporting Act ( " FCRA '' ) codified at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not initiated any transaction with these companies listed below. Furthermore, I do not have an " account '' as defined under XXXX XXXX XXXX XXXX XXXX XXXX with any of the below accounts or review or collection. 


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 XXXX XXXX XXXX XXXX XXXX XXXX  " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA {$610.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Ally Financial and XXXX XXXX. The Account Opened is Ally Financial Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting

THe dates and amounts are completely wrong some do n't belong to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Chase numerous times about inquiries on my credit reports. I have NOT applied for a Chase credit card in about 4 years. Chase, back in XX/XX/XXXX, sent me a letter stating that they were having the 3 credit bureaus removed their inquiries from my report. All 3 are still on there and there are more from Chase. These inquiries appear every couple of months and I have had 3 in the last 3 months
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 under 15 USC 1681. 

XXXXXXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXXBalance : {$4700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2600.00} XXXX XXXX 46035****Balance : {$14000.00} XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/2022 XXXX XXXX
Product: Credit reporting or other personal consumer reports

VIOLATION OF USC 1681 ( C ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. 

XXXXXXXX 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

Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
Product: Credit card

I have been a user of Capital One for years. Always pay on time. 
I opened a dispute for case XXXX on XX/XX/year>. 
I informed card company I had still not recieved my purchase from over seas. 
I offered all proof of communication the very day I applied and was told no. 
I called end of XXXX to request to send documents to assist with case. I was told no. They will have record of my call. 
XX/XX/XXXX I recieved a request for supporting documents due by XX/XX/XXXX. 
I called back because my links were not working the times I attempted. They will have record of my calls. 
I submitted documents. 
On XX/XX/XXXX, I recieved notice they closed my case. I call to inquire how when I was submitting evidence. 
I was told they needed more. 
I was NEVER contacted and asked for more evidence! Due to the size restrictions of the company. Users are forced to select what they are sending. 
I call and ask for the link again! They say no worries. 
When I attempt to upload documents the link does not work. 
I call and request new link. 
Size is over limit! 
I call and request faxing information. I am to the poinXXXX I will fax and mail in hard copies. 
I fax in 45 pages XX/XX/XXXX! 
Mind you! I SPEAK with multiple dispute agents on my case that day. 
Nothing was wrong Later that evening I received a letter they closed the case. 
I call and ask for supervisor XX/XX/XXXX. I explain I have been in touch almost weekly since dispute started! Either call or email or chat. 
He says dont worry about the fact its past date. Later the story changes that they wont help. 
I said why cant you reopen/appeal the dispute. He said no we dont do that. 

I have sent them everything I have. I have sent them corispondense of my attempts to work with the seller. I sent them the verdict of the midiation stating I won! Through the selling company. I sent them a copy of the fact the seller refuses to comply while they wait for charge back verdict. I sent them images of the broken products. 

I let them know this needed handled or I was going to report it to CFPB. They dont care.
Product: Debt collection

XX/XX/year> requested debt verification letter from collection agency. Agency unable to verify debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Capital One numerous times dating back to XX/XX/XXXX most recent date of contact being XX/XX/XXXX. The representative that was assisting me stated that the account was previously sold to XXXX XXXX XXXX XXXX and then rebought by capital one once it was deemed fraud by the collection agency and will remain on my report until I provide fraud documentation. I mailed fraud documentation as requested and the company has still no deleted account from bureaus and is still reporting monthly. 
The account is a result of identity theft and I have no knowledge nor benefit from this account. I have requested that the account be deleted from all three credit reporting bureaus. The account balance is {$2200.00}
Product: Debt collection

I have received a bill for {$120.00} from FIRST CREDIT SERVICES , INC. on behalf of XXXX XXXX XXXX XXXX, TX. The debt is supposed to be an outstanding balance. 
I cancelled my membership with the XXXX XXXX   earlier this year due to another issue I experienced with them over my wife and sons membership. I had to cancel twice via XXXX XXXX XXXX website which is where one has to terminate the service. The first time $ XXXX/month continued to leave my account, a desk representative in the XXXX gym said that it can not have registered in the system and to try again. 
I tried again and this time I was rewarded with a message telling me that I could expect to see another {$10.00} go from my card before the account was finally closed, this should have been the XX/XX/XXXX payment. This duly happened and I thought the account finally closed. A month later, in XX/XX/XXXX another {$10.00} went from my card, this is when I called XXXX and told them I was disputing the payment and to not make anymore to XXXX XXXX - XXXX, TX. The XXXX payment was cancelled by the bank. 
From the date of the cancellation until now, I had not heard from XXXX XXXX - XXXX, TX, they permitted the bill mount up and then turned it over to FIRST CREDIT SERVICES , INC . 
There seems to be something fraudulent where one can only cancel a " service '' via a website controlled by the service supplier. I have experience of going onto the XXXX   XXXX  - XXXX, TX website on two occasions and my cancellation ignored. There is no guarantee of achieving success in their system. 
I have a prior experience with XXXX XXXX XXXX - XXXX, TX which was very hard to cancel inXX/XX/XXXX.There was no website and I finally had to send a recorded delivery letter to an address in Florida to have my account closed. Why did I join the XXXX branch? My wife signed me up as a surprise when I was out of the country, and as I was already enrolled, I used the gym when I was in town. Last year, XXXX, the gym failed to update my wife and sons payment details when I presented my new credit card at the gym, a huge bill for the pair of them was ran up with no notice given. I decided to pay their bills and resign myself, this is where we are now. 
I called the FIRST CREDIT SERVICES , INC. and spoke to a representative on Tuesday XX/XX/XXXX. He told me to write a letter to their office at XXXX, NJ. This has been done and we await a response.
Product: Debt collection

Portfolio recovery is damaging my credit. I do not owe ally financial any money. I already filed a claim against the car dealership and was able to get my down payment back. I returned the car less than 3 weeks because of it being defective. They are disgusting pests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2019 XXXX acct # XXXX was charged off so I deem it against my consumer rights to be punished for something thats holding me back from achieving my financial freedom in todays society. I asked this old debt be deleted from my consumer credit repot
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ( XXXX XXXX XXXX  ) # XXXX {$15000.00} The above account is not mines. I have asked the credit bureau to remove this account over 5 times. I have no knowledge of this account. FRCA states everything reporting should be 100 % accurate and true. Please remove this account from my report. THIS IS NOT MINES
Product: Debt collection

This account was paid and settled and needs to be removed. The company updated the balance on my account inaccurately with the XXXX major credit bureaus. It shows i still owe {$440.00} and that is false. The email they sent me on XX/XX/2024 shows the receipt and current balance of my account. I resolved this account on XX/XX/2024. I called the company on XX/XX/2024 to get more information on when it will be updated correctly because I didnt believe the email that I received and the representative informed me that it WILL take 90 DAYS for it to cone off and thats unacceptable. They CAN NOT report inaccurate information on my consumer account and this needs to be resolved immediately!
Product: Checking or savings account

I'm trying to use XXXX point of sale and would like to link them to my account for my checking account statement and it said for some reason that you all do not allow that so it would be awesome if you all could allow it to save a lot of time and effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

4741
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tried on several occasions to resolve this matter with Experian credit reporting agency, but they have not responded correctly. This is a fraudulent account place on my credit report by XXXX XXXX XXXX. I was only able to submit on dispute request on XX/XX/2020, because the website will not allow another. Thank You
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent account on my report. Please remove these accounts from my report, they are hurting them my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Checking or savings account

I have an account with Wells fargo since XXXX. They have reported money in the account and hidden " pending '' transactions- and at one time processed several overdraft transactions and charged overdraft fees per transaction per day!!
Product: Credit card or prepaid card

I've had a capital one credit card since XXXX  or so and we use it to pay for everything and pay off the balance monthly. My son started working at Walmart and uses the card via his Walmart app frequently and XXXX me the money he spends, I started making multiple payments to the card plus the one that was ACHed monthly. Capital one placed a hold on my payment for 8 days because they needed to confirm the payment had cleared. When we called the rep offered to call the bank to confirm the payment had cleared and explained that possibly the reason for the hold was the multiple small payments from a different account ( XXXX  ) and the large monthly payment for the statement balance from a different account but was not sure if this would happen in the future. This happened again this month but this time the rep did not offer to call and said the hold would stay on for the 8 days. My question is are ACH transactions not supposed to be credited sooner than check transactions because banks only have a limited time to act on these ( return )? As a consumer, the only way to later request my payment is by filing a claim because the payment has been processed and received by the other bank. I'm confused as to why the time frame of 8 days, seems excessive.
Product: Debt collection

I went to a XXXX doctor in XXXX. Unfortunately my husband and myself became very ill I was on XXXX for over XXXX months and just got back to work just got a letter from an attorney who said they havent initiated a suit yet but payment needs to be made in full by XX/XX/year>. I can not do this in less than a month only being back at work for a month. I feel threatened and like I will be sued. I have a copy of the letter.