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

I work with a animal rescue and ordered some special XXXX lights from XXXX. The charge was {$870.00}. Chase flagged this as fraud. I immediately responded that I had authorized the charge. But since this was declined by Chase Bank, it was rerun. Which caused this amount to be charged twice. I contacted Chase Bank as soon as I saw the second charge and asked them to stop the charge as it was listed as pending. They refused and despite talking to a supervisor told me that they could not do anything while the transaction was " pending ''. Which is insane. So they took the money from my account or restricted my access to my money, and refused to help. They said to call the merchant, or if the merchant didn't finish the charge that in XXXX business days the hold on my funds would " drop off ''. It is crazy to me that my bank can not stop a unauthorized second charge of the same amount when I tell them it is not authorized. They told me I have to wait for the charge to clear, which is literally insane.

I spoke with a supervisor and tried to escalate it. Not one person that has answered my call has even been in the United States. It is not right that a error with MY MONEY, can not be corrected while PENDING, and that the only solution is to let the funds clear, or wait XXXX days for the vender to let it fall off. Meanwhile I have bills I need to pay that I can not access my money to pay.
Product: Debt collection

Account In question : Con Col mgmn XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and recently discovered that fraudulent accounts were opened in my name without my authorization. I have already reported this issue and need immediate assistance in ensuring these accounts are removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this message because I am having a problem with the credit bureaus. As im going over my credit reported dated   XXXX     XXXX  2017. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to give me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification.
Also there is an account thats haunting my credit report to the extreme, its called   XXXX   XXXX   XXXX   This has been reporting to my account for some time now, i have tried disputing and calling to let the bureaus know that this account does not belong to me AT ALL! I have no contract with this company. Its been disputed, but keeps coming back verified. The FCRA states that if they can not validate the debt, it has to be removed.Its an unverifiable account.please remove it/them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance XXXX {$1900.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX  XXXX XXXX ) XXXXBalance : {$960.00} XXXX  XX/XX/XXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to update my payment account for multiple days weeks and months. I emailed the company for assistance. I even messaged the company to make the aware that there is a glitch in the app where I couldnt update payment info due to the app asking me to verify my address and the kicking me out over and over. After looking on their instagram page many people have had the same issue and then they report payments past due when the consumer is trapped in not being able to make a payment. This app should be shut down. I would like this account removed or updated to positive payment history. I have photo and email evidence of my attempts to pay prior to being past due. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Divorce in XXXX. Took on too much debt in the divorce. Signed up for debt relief service in XXXX. Setted all debt but one- XXXX XXXX 

XXXX charged the account off I XXXX. I received a tax bill for the charged off debt in XXXX and paid it. XXXX is reporting the account is closed but still reporting that I owe them. 

XXXX is holding my credit report hostage. They're aren't even offering me a deal. They charged the account off, closed it, reported it the IRS, I paid the bill and they are still reporting it. Why? To be vindictive? I'm never paying them a dime AND I'm a servicemember.
Product: Vehicle loan or lease

I was in a car accident and my car had been totaled. I was in need of a car that same weekend for work because I travel and have to carry equipment. Nothing was really explained as to why it was charged, it was simply here 's the fee with no explanation behind it. I was under a lot of stress just trying to get a car because of how quickly I was going to need it for work. Because of the distress that I was under I was not able to ask any of the proper questions and they had the ability to charge me any sort of Financial Charge without me being able to question it.
Product: Checking or savings account

Bank of America case XXXX. I issued a payment to XXXX XXXX, an air conditioning company based in XXXX, via the Bank of America ( BOA ) online Bill Pay portal. The check was sent and processed directly by BOA, and the funds were withdrawn from my account by BOA on XX/XX/XXXX. However, the payment of that check was not applied until XX/XX/year>. XXXX of Fraudulent Alteration : On XX/XX/year>, I was informed that the check had not reached the intended destination, so I called BOA to inform and request that they investigate the situation. On XX/XX/XXXX I was informed by BOA that the check had been fraudulently altered and cashed by an individual in the state of XXXX XXXX On XX/XX/XXXX I received an affidavit and a copy of the check where I learned that the altered check was cashed at a XXXX XXXX XXXX XXXX XXXX, XXXX  by XXXX " XXXX XXXX XXXX man, without my knowledge or consent. Affidavit and Documentation Submission : Upon learning of the fraudulent activity, I completed all steps requested by BOA, including signing and submitting an affidavit stating that I did not know or authorize the individual in XXXX XXXX to cash the check. I promptly sent the affidavit on XX/XX/year>. Unresolved Claim and Lack of Response : Despite my prompt response and submission of the required affidavit, Bank of America has failed to resolve my case. As of today, no resolution has been offered, and I have not received any compensation for the fraud that occurred. I have made multiple inquiries, but the matter remains unresolved, and I am unable to obtain a satisfactory response or update from the bank. Impact and Request for Assistance : This fraudulent incident has caused significant distress and financial harm, as I am left without the funds that were rightfully mine. Furthermore, the lack of action on Bank of Americas part has only prolonged the situation and left me without a clear path to resolution. I am requesting the following : A thorough investigation into the fraudulent activity surrounding the altered check and the banks failure to promptly resolve the issue. Compensation for the funds lost as a result of this fraud, as well as any additional costs incurred due to the banks failure to handle the matter in a timely and appropriate manner. Assistance in holding Bank of America accountable for its failure to resolve my claim and for the inadequate handling of my case. 
Police report XXXX Check amount {$7600.00}
Product: Debt collection

I canceled my XXXX XXXX, XXXX service in XX/XX/2018. XXXX XXXX was unable to provide me service for over 2 weeks prior to cancellation. All bills including the bill through XXXX were paid in full and on time. XXXX, XXXX XXXX, billed me for a service period extending to late XX/XX/2018 XXXX {$200.00} ) which I did not pay. I made numerous calls to XXXX to resolve the billing error, the result each time ( after extended review ) was that I did not owe this bill and was due a refund for the period of non-service in XXXX. These calls went all the way to the Presidents office, always the correction was being processed and could take 60 days to clear their error. 4 months ago a collection company contacted me and again I reviewed the error. 2 months ago a second collection company contacted me and I again reviewed the error and was told they would correct the problem. 10 days later I was contacted again by the same agency that claimed no knowledge of the previous discussion. They were aggressive, I told them that I had made numerous attempts to correct the company 's error and not to contact me again. Now they have filed a collection on my credit report.
Product: Checking or savings account

I HAVE RETURNED MAIL FOR A XXXX XXXX WHO DOES NOT WORK HERE.  I HAVE RETURNED OVER 4 TIMES AND SENT A LETTER.  THIS IS PRIVATE INFORMATION FOR A INDIVIDUAL.  THEY KEEP SENDING MAIL FOR A XXXX XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  NO ONE KNOWS THIS INDIVIDUAL.  THEY NEED TO REMOVE OUR ADDRESS AND CONTACT XXXX XXXX FOR A UPDATED AND CORRECT ADDRESS.  IT SAYS ON THE ENVELOPE RETURN SERVICE REQUESTED SO WHY ARE THEY SENDING HIS MAIL AFTER I SENT NUMEROUS RETURN TO SENDER PLUS A LETTER.  IT IS BANK OF AMERICA XXXX XXXX XXXX XXXX, TN XXXX
Product: Bank account or service

Bank of America charged an overdraft fee of {$35.00} for a transaction that did not overdraft the account. I have attached a download of the transactions with the transaction in question highlighted. As you can see there is a balance of {$62.00} after the transaction is processed. I have also attached the email indicating I was charged a fee. This is clearly an error, or more likely an intentional fleecing of the customers of this giant corporation.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I initially got scammed back around XX/XX/22 from an online company posing as PayPal. They sent me a fake invoice with PayPal logo on it, stating a charge of {$480.00} from a client named XXXX. The invoice said to dispute the charge to contact the number on the invoice. I did not do any business with anyone named XXXX from PayPal so I immediately contacted the number on the invoice to dispute it with PayPal. The gentleman that answered the phone on the end acted like a PayPal agent even had me log in to some back office that showed paypal 's logo and website address PayPal.com. He told me that he would cancel out the amount that was charged on my PayPal account and reimburse me that amount for the trouble. But I had to provide him my bank account info so he could reset my account. He tricked me into giving him my bank debit card info so he could get the money from my account and credit it back a couple days later, along with the {$480.00}. He cleaned my account of {$4500.00}! He called over the next couple days to check on me and assure me the money would be returned in a day or two, and not to call PayPal or Netspend-if I did it would delay the process of me getting my money credited back. I filed a dispute a couple days later with Netspend. They gave me a provisional credit of {$4500.00} for 90 days while they " investigated ''. They never contacted me once to help with the investigation. Since then the scammer sent me another email identical to the first one, trying to scam me again. Netspend concludes their investigation with no evidence of scam. Yet I'm out of {$4500.00}, and the credit they gave me has been taken back! I understand nobody wants to pay for a scam bit the everyday consumer who puts their money in banks should not be the victim. Netspend reopened the investigation the other day for 10 days. Yet they still did not call me, even though I left a message for them to contact me to help w the investigation. I am very displeased with the result and do not have {$4500.00} to lose. I have bills and living expenses like everybody else. Please return me the money that was taken, and stop these scammers from robbing other innocent people. The conclusion of Netspends investigation is only going to encourage the crooks to keep doing what they're doing! If this is how Metspend does business with people who have been with them for years, I would not recommend anyone use their prepaid services. This is the second time in two years I lost money with Netspend. The first time I lost a government business loan of a XXXX  XXXX dollars just because the check was in my company name and not my personal name. Terrible service if this is how you treat your customers! You have insurance, you have resources, you lend out our money -- why should everyday hard working people have to suffer from scammers? Why aren't your investigations thorough? Why do you blame consumers for scam and not the scammers???
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank ran my credit on XXXX XXXX and I have not done any credit applications with any bank in 3 months. I called to ask why they ran my credit and they keep transferring me an referring me to other banks to call. No one is taking responsibility for why my credit is being ran. XXXX bank appeared around the same time on my credit. I do not have an account or any other bank products with either of these banks. The credit bureaus refuse to remove these inquiries and is referring me to the companies directly even though I told them my identity has been compromised. 
Among these inquiries that I have previously sent complaints about are XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. The credit bureaus will not validate these nor delete them when I told them that I did not authorize these and sent in proof that I had a police report showing my purse was snatched with all of my identifying information inside of it. 
I have a security freeze posted on my credit to keep this from happening again, but I need these items removed in case I want to get credit in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the Credit Bureau trying to remove inaccurate information from my credit report. My goal is to purchase a home but I am being held back because all three of the Credit Bureaus are violating my rights as a consumer. I sent letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have sent the last set of letters certified, and after multiple requests for re-investigations I know that 30 day rule is out of the window. This has been a HUGE inconvenience for me, and I want this matter solved ASAP. 

There are several items on my credit report that are reporting inaccurately and they should be removed. 

XXXX, Equifax, and XXXX  have yet to send ANY correspondence for my requests and completely ignored every letter.
Product: Credit reporting or other personal consumer reports

Had fraud on my account where a new card was sent to two different addresses that were not mine. Company would not correct and closed my account for no reason.
Product: Debt collection

I was contacted on about XX/XX/XXXX with regards to a hospital edebt in another state. After speaking with the person on the phone it was determined that I was not the person that incurred the debt and was asked to write a letter stating that information. On XX/XX/XXXX I received several credit alerts stating that a Derogatory Account had been posted against my credit report with both XXXX and XXXX. I have disputed the account with both credit agencies and attempted to contact someone from the credit collection agency but have not received a response. 

My credit agency account has had an " Alert '' for common name placed ion the account since XX/XX/XXXX, whem I contacted XXXX they confirmed that my account is STILL noted with the following note ( paraphrased ) " Fraud Alert : Common Name verify identity prior to granting credit or reporting on this account ''. 

This collection company has failed to do that and posted a derogatory report against my credit anyways and has made no additional attempts to contact me, even though my credit report phone and addrerss are 100 % correct and have been since XX/XX/XXXX. 

The name of the company is Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian report a charge off date is incorrect. The date on my report is being reported XX/XX/2020 as a charge off date. I paid the charge off amount for {$80.00} on XX/XX/2020. I spoke with XXXX XXXX XXXX  to verify the correct charge off date and it was verified the correct charge off date is XX/XX/2020. XXXX XXXX emailed me a letter that states i paid the charge off amount and the date, along with a credit card statement which shows the date i paid and {$0.00} balance. I've disputed this with Experian 5 times and sent Experian dispute department my proof by XXXX certified mail. Experian refuses to correct the error made on my report and claim the dispute department verified the info on my credit report as being true an accurate. I don't believe Experian took the proper steps to contact XXXX XXXX bank to verify the correct info. I spoke to Experian dispute department several times and explained to them, but they refuse to correct this error.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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: Credit reporting

TransUnion reported an open balance of {$160.00} from XXXX 2013. It has been paid over a year ago but it still shows as open.
Product: Credit reporting or other personal consumer reports

I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.