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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX   XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX   XXXX and XXXX XXXX
Product: Credit card or prepaid card

The Florida Attorney General recommended that I contact your agency regarding my claim. 

As you will determine from the documents that I will include, I have been trying to obtain the balance of {$2400.00} that was on my Florida XXXX XXXX XXXX since XXXX of 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.
Product: Credit reporting or other personal consumer reports

After reviewing the most recent credit report I noticed that there were several accounts that were added without my knowledge or permission. Signature nor authorization was not given. Here are the accounts that appeared : Names & Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Credit card or prepaid card

J.P Morgan Chase Bank - Sapphire Reserve Card Holder I disputed charges related to a contract for services made on XX/XX/XXXX related to the manufacturing and delivery of a custom charcoal grey suit and a pair of custom brown leather shoes with a dark brown wooden sole. Receipt indicated that the shipment would be made on XX/XX/XXXX. As of XX/XX/XXXX I indicated to the company in writing that I had not received the goods or services, that the product they sent me pictures of was not what I ordered. I had requested cancellation of this order in writing during that window. I filed a dispute with Chase for goods not received and was told following the 2 month late delivery received on or around XX/XX/XXXX, that the dispute was resolved in favor of the merchant because Chase had received a note purported to be signed by me, that said I received the goods and was satisfied. I indicated to chase that this was a forgery, as the merchant is in XXXX and there is no way I could have signed this. Additionally, it was in direct contradiction to the messages I had with the merchant. Chase Disputes Department told me there was no means to appeal the decision in favor of the merchant, specifically a manager named XXXX. After filing a report with XXXX, I was contacted by XXXX in the Executive Office. XXXX indicated that they would review the dispute. I provided supplemental information via email by my own volition, never being promoted nor told what, if any, information would be necessary. On XX/XX/XXXX, XXXX called me to say that they were still reviewing. On XX/XX/XXXX, XXXX contacted me again to say the dispute was again decided in favor of the merchant, despite my messages indicating dissatisfaction, almost two months delay in shipment, and attempts to cancel, as well as receipts indicating date of shipment to be promised as of XX/XX/XXXX. XXXX again called me on XX/XX/XXXX to say the dispute was final and my case was closed. He said that the window to review the dispute ended on XX/XX/XXXX and that I did not provide the necessary documents ( which he then listed ). However, never was this date or dispute window communicated with me, nor was I ever provided with an indication of what evidence was needed. If I had been, I would have sent along everything I had, though I do believe that the evidence provided was certainly sufficient. I asked XXXX to point me to the terms of service and where this dispute information, including time frame is provided. However, this information is not in the Terms. It is clear that the dispute process is extremely opaque, that Chase has a total lack of communication within and between departments, and that this process was completely unfair and one-sided. I plan to continue to pursue every means I can to receive fair treatment and proper information. 

I reasonably believe my rights as a consumer have been violated and that there are no publicly available Terms that I have agreed to, nor that were even communicated to me, setting forth the procedures of disputes and the timeline for disputes before finality, including the ability to appeal. 

Sincerely, XXXX - Chase ref. XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Chase for blocking an incoming XXXX payment. 

The complaint against Chase is for the following reasons : 1. Blocking the payment 2. Not providing details on why the payment has been blocked initially. 3. After calling the bank 's customer service team and asking to speak to a supervisor no concrete reason was provided for the cancellation. I was told to take it up with Sender again. 

Chronology of Events : 1.XXXX XX/XX/2024, Chase cancelled an incoming XXXX payment to my account for the amount of {$540.00}. The only details Chase has provided is the following : " We've cancelled your Chase QuickPay with XXXX payment from XXXX sent on XX/XX/2024. Please contact sender for more information. " 2. After contacting the sender, it is apparent that their account has been debited. Since they sent the payment and Chase said to me that they ( Chase ) is reponsible for cancelling my payment. 

3. I contacted Chase for the first time XX/XX/XXXX. Their customer service provided no further information except for the fact that I should contact the sender. 

4. After discussing with the sender in intervening days, I contacted Chase again on XX/XX/XXXX. I spoke to a customer service representative who gave the same response. I asked to speak to a supervisor ( who I believe works for the fraud team at Chase ) and the following was discussed : 1. Chase does not have the money as it rejected it according to Supervisor 2. When asked for a reason why Chase rejected it, he could not provide me with one. 
3. Instead, the following inconsistent theories were provided : a ) XXXX functionality within bank account is no longer functional if it has not been used for over 18 months ( last time I used XXXX payments from that account was around 16 months ago ). b ) Sender might have a problem with their account.

4. When I asked for paperwork to confirm the reason, I was told that the bank does not provide written reasons on specific XXXX Transactions and that I should read their general terms and conditions.

5. I asked to speak to a higher up and was told they would contact me in 2-7 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX ****XXXX not mine XXXX XXXX ****XXXX never late XXXX ****XXXX not mine
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am contacting you today in reference to a predatory loan from santander consumer USA. I know that several other States are pursuing them for subprime auto loans And my loan definitely fits into that category. I 've had the loan since 2012 I 've paid over {$16000.00} on it and I still over {$11000.00}. Looking back-to when I bought the car there was no way that I could have afforded it the dealership I 'm pretty sure move some numbers around to get me approved. I 'm just looking for any information to help me in the situation this car does not even fit the needs of my family any longer, And it 's destroying my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

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

I closed an account with Citibank and removed the money. Citibank kept the account open and started charging monthly service fees to it. I assumed the account was closed until they sent me to collections over those service fees. I called Citibank and they realized their error, rebated the fees and closed the account as intended. However, since then they will not remove the collections report. I have challenged the credit collections report 4 times with all the credit bureaus and Citibank as verified the collections as accurate each time, rather than seeing this was their error. I have challenged it with Citibank with 5 letters. Citibank only responded once with a form for merchant services ( which has nothing to do with my claim ). I tried calling Citibank 4 times and each time they said they do not have a department to deal with this kind of inquiry. If Citibank will not remove this credit collections from their records, the credit companies will never remove it from my credit. This was an error by Citibank, but now they refuse to remove it from my credit report.
Product: Debt collection

I have sent Central Credit Svs LLC a letter requesting back up for this debt - which I do not know what this is for.   They have also stated that  XXXX   XXXX   XXXX   XXXX   XXXX  has purchased the debt.   They responded with an invoice that has  XXXX  line stating emergency eval?? no idea what this means nothing else is included except for the fact it says Patient Portion due  XXXX  Past due amount  XXXX  They are continuing to send me the same letter stating this is " Back up '' for the debt owed I want this removed immediately from my credit report and for them to cease all communication/collection on this debt which states my portion is  XXXX  and if there is a debt owed please provide proper documentation.
Product: Credit card

On XX/XX/XXXX i was notified of a purchase, which is did not make. The purchase was for {$980.00} in XXXXXXXX XXXX XXXX. I immediately called and canceled my card and they sent a new one which I have yet to activate. The fraud department later said I made this purchase with my chip card in XXXX, I said that's impossible since I have never been to XXXX and I still have the card. So they said I'm responsible. I called XXXX and of course it shows no such purchase in my history. I believe citi has some sort of a security breach making it look like customers are using their chip cards and they are denying it. I have yet to get any resolution but billing still looking into it. Hoping you as a consumer protector can do something about this thank you, XXXX.
Product: Checking or savings account

no knowledge of these 3 checking accounts First Horizon Bank / XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax credit reporting agency has placed a fraud block on my consumer report without my permission. This has hindered me from being able to utilize my credit with my own personal bank and I wouldnt have even know there had been a blocked placed if I didnt try to utilize my credit. This block needs to be removed immediately and to never happen again without my consent and for all of my information to be updated, I have attached all supporting documentation to show proof of my identity as well as proof of residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to Experian, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the XXXX XXXX XXXX XXXX as a federal employee and my file was affected by the XXXX breach.I believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received no response.
Product: Debt collection

THIS ACCOUNT WAS REMOVED FROM MY CREDIT FILE FILE BEFORE AND WAS ADDED AGAIN BY THE COLLECTION AGENCY, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Email sent to XXXX from PayPal a billed amount totaling {$320.00} to pay for XXXX XXXX XXXX  1 year for ten devices On XX/XX/year> Company send invoice XXXX Order number XXXX Amount paid {$320.00} Using PayPal help XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States This letter a verification process a charge was made etc They PayPal security XXXX XXXX did this bogus scam. 
Over 1 hour wore me down saying about other online bitcoin could be used went through many and my bank. It was listed XXXX XXXX XXXX. On PayPal listed. 
No money in that account I opened but never used years ago. In XXXX XXXX name. My email is XXXX. XXXX Told me had to see where what account this happened made me create account online but etc then had to ask for my debt card in order for them to put money in to test. Did I receive it in them I said no so asked for debt card etc. said I had to enter amount on invoice so they could withdraw it. Told me no call banks cause they are PayPal experts in this only they can fix it. Asked if I had account with XXXX XXXXXXXX I said no. 
I tried to not do debt many times they argued it was nesseary no worries your safe with us. 
I then tried to call PayPal did internet search on XXXX! XXXX. And XXXX called XXXX and got this. Scam artist I explained him. And at end of conversation even gave me his number I mentioned. XXXX call me back in 24 hours just sit n wait dont call anyone.
Product: Checking or savings account

On XX/XX/2024 my payrol check was direct deposited into my chime checking account. Chime withdrew all of it and deposited it into my credit builder account. I proceeded to pay my bills, ( Credit Cards ). I received notice from chime that my {$25.00} payment to XXXX XXXX was declined and was told to run it through again. Chime would have me run it through for a total of 3 times. There was a total of 5 declines, 3 for XXXX XXXX, 1 for XXXX XXXX and 1 for XXXX  XXXX for a total of {$100.00} in late and declined fees, This credit builder account is designed for the purpose of paying your bills. When I first called Chime to discuss this matter, they were clueless.
Product: Student loan

The school is XXXX XXXX, I am the parent co signer on this loan ( although I do n't remember signing on it ) the loan is past due and XXXX the loan company is requiring that over XXXX a month be paid we can not afford this kind of monthly payment and a supervisor ( we have her name and ID number. ) agreed we could pay XXXX a month. We sent in the payment via the automated line as agreed. now XXXX states that this agreement was never made. To make it worse they have no record of the payment being made. we have the confirmation number for this payment. we have no problem paying but for the amount agreed upon.
Product: Consumer Loan

i was financed for XXXX XXXX corolla {$11000.00}, {$320.00} monthly to American credit acceptance from XXXX XXXX XXXX XXXX, XXXX, ohio XXXX .the car has too many recalls that could cause death and injury, it has too much mileage, too many problems not covered in the two year warranty, tried too get better trade they declined and gave suggestions too get recalls done but all other problems that should have been fixed before financing me for the vehicle was not dealt with. tried too get engine check light fixed from the dealership XXXX it came back on two days later and the car stalls sometimes the breaks which were promised too be new are loud front and back wheels whobbily like they 'll come off the wheel baron gas leak, evap system etc ... ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - XXXX Data Breach ) ... XXXX XXXX XXXX XXXX :XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX :XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018( Fraudulent Account )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX regarding them reporting a account that is over XXXX XXXX XXXX on my credit report they could n't locate a account by my name or social security number or address. I disputed them reporting this account under my new bankruptcy in XXXX chapter XXXX. This debt should have been deleted a longtime before I filed bankruptcy but they added themselves as if this was a new or was due at the time of my bankruptcy. I asked then to remove it. I will not let this sit on my credit another XXXX plus years .They verified this account being reported correctly XXXX/XXXX/XXXX but when I called them they had no information.
Product: Debt collection

Account Name : TD BANK USA/TARGETCRED Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I contacted CashApp and advised them that my child is a minor and asked them to close the account. I asked whats the procedure to close the account for minors. Explained I can provide ID for minor child, explained Im the parent and would like to know the policy on closing the account for minor. I was advised Im not able to close the account with out having access to the account, and unable to access the account to close it due to privacy concerns.
Product: Debt collection

Hello, I am filling a complain against credit systems international. 
on XX/XX/2020 XXXX XXXX reported to the credit systems collection that I do owe XXXX XXXX {$100.00}, I have been contesting this item for several years as it does not belong to me and should have been removed due to burden of proof. 
this past XXXX weeks I apply for a house mortgage and this effecting getting the loan, finally contact the collection and I told them that this not belong to me because I don't live in Alabama in XXXX and it does not belong to me, they asked me for proof which is I don't have since its not mine and she refused to remove it. 
Its been disputed with XXXX but they say It will take up to 30 days and I don't have this time because I am about to lose our chance to get the house me and my family wanted.
Product: Checking or savings account

Bank Of America BILL PAY took both my XXXX and XXXX payment to XXXX out at the same time today XX/XX/2019. They will not take it off for me. They told me I needed to go into Bill Pay while they were on the phone with me and put the XXXX payment back in??? I ask if the second payment would be removed and they told me No and that I would be charged for the overdraft even though I put another deposit in today. 

On top of that the payment is always put in the bank my grandson a XXXX  and his NEW bank in Ga put it on XXXX Payment which I don't us and don't want to use. It was {$1000.00}. and put in 4 days ago where he usually just puts the payment into my bank account. I have to wait 14 days for the payment to be returned to him? 

XXXX was very cold and uncaring about this causing me so much trouble. They said they couldn't do anything about it since it was in processing. I ask if they could put this on my account ... that I didn't want two payments made and I was told NO ... she said it wouldn't show up in the place where they could handle it???