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

-On XX/XX/XXXX I went to a Restaurant, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and had dinner with friends. I payed the check including tip for a total of ; {$100.00}. Days later reviewing my account statement I noticed a charge not authorized, from the same restaurant of {$87.00}. 

-On XX/XX/XXXX I submited a claim by email and fax with Banco Popular de Puerto Rico XXXXegarding the unauthorized charge to my credit card. 

-I called 3 times during the last weeks of XX/XX/XXXX since I never received a confirmation of the claim submition. No information was provided to me and the agent asked me to call again in a few days. 

-The first week of XX/XX/XXXX I called and talked to a service representative and told me that the claim was in process and FINALLY gave me a claim number. They asked me to allow 90 days to complete the claim. 

-On XX/XX/XXXX I called and talked to XXXX XXXX and referred me to the Fraud Department. My called was trasfered to XXXX XXXX. i explained the situation and told me that she was not able to help since the person in charge, or any supervisor whatsoever, was not available at athat time. She took my phone number and agreed to call back with informationi.  Never called back. 

-On XX/XX/XXXX I called again to the Fraud Department and talked to XXXX XXXX . She agreed to check the information with the assigned investigator ( XXXX ) and call me back the next day morning. Never called back. ' -On XX/XX/XXXX I called again to the Fraud Department and talked with a service representative. After asking more than 3 times I was finally transfered to the investigator assigned to the case ; XXXX. He informed that had no idea why the claim took so long but it was being resolved during our call, and I should receive a credit to my account during the next 24-48 hours. Two weeks passed by and no credit was reflected on my account. 

-on XX/XX/XXXX I called again to the Fraud Dept. and talked to XXXX XXXX who said no supervisors where available to assist my call/situation. She asked me to call the next day during XXXX and XXXX to talk with the supervisor ( XXXX XXXX ) -On XX/XX/XXXX I called again and asked for XXXX XXXX . XXXX XXXX, who answered my call, told me he was on in a meeting and not available to assist me. After insisting for more than 5 minutes to talk to a supervisor, I was transfered to XXXX XXXX. He told me the claim was completed and I should be a credit on my account in the next 24-48 hours. Same thing that I was told on XX/XX/XXXX. 

After more than 140 days I am still waiting for the resolution of my claim and the respective credit. Hours of my time spent for an authorized charged of XXXX dollars and XXXX cents.
Product: Credit reporting

I have incorrect info on my credit report with address and I also have inquries that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX and XXXX REFUSE to remove an account that was as a result of the Equifax breach, while Equifax removed the fraudulent account, despite me having a police report and complaints filed with the FTC and FBI. 
2 ) XXXX has my account listed with past due amounts, delinquencies, accounts not paid on time. I have 100 % EXCELLENT PAYMENT HISTORY. 
3 ) all three reporting agencies have credit inquiries on my report that were NOT authorized! REMOVE THEM NOW
Product: Checking or savings account

Filed XXXX disputes on XX/XX/XXXX totaling up to XXXX and submitted all the appropriate documents that they asked for only to get my disputes denied. I would like my refund as soon as possible
Product: Debt collection

This item was removed from my XXXX  credit report. Its wrong. Delete item. Also, I wasnt contacted about them putting this item on my credit report. Before placing item on report the person should be contacted. I wasnt. Remove and delete item from my credit report.
Product: Checking or savings account

Chase Processors has improperly and perhaps fraudulently removed money from my company 's checking account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We make use of a website, XXXX to sell product and provide customers a way to pay for their purchases with credit card. Chase performs the processing of the credit card transactions, for which they charge a base price of XXXX cents per transaction, or attempted transaction ( in the case where a submitted card for purchase has been denied ). On XXXX XXXX my website was, unbeknownst to me, inundated in the background by a flood of attempted credit card purchases, the vast majority of which were denied, which persisted until XX/XX/2024. A rogue operation were testing a list of stolen credit card numbers on my website without my knowledge to see which were approved and still usable, a well known type of scam that Chase should have been aware of. XXXX Attempted Transactions were Done.Two separate Withdrawals from my checking Account were Removed.On XX/XX/2024 Chase Processing deducted {$15000.00} from my account And on XX/XX/2024 Chase removed XXXX for their services for the months of XXXX XXXX XXXX. I was shocked. Historically, they have never deducted more than around {$300.00} for any month for their services. I became aware of these deductions on XX/XX/XXXX and on XX/XX/XXXX when I logged into my checking account to pay bills. I called them immediately for an explanation. They said they were charging XXXX cents per transaction for over XXXX transactions that month duration. Chase is a huge, sophisticated operation. It is impossible that their tools and systems did not immediately detect a huge spike, amounting to a MULTIPLE OF AT LEAST A THOUSAND TIMES, over what my website customarily, and historically does. Plain common sense should have recognized that there was a bad actor at work. They breached their fiduciary obligation to me in two ways. They have among their tools the means to immediately put an end to the type of fraud that was occurring, but chose to do nothing, allowing charge after charge and fee after fee to continue for almost a full month. Neither did they alert me as to what was going on. I do not think that this, at minimum gross negligence, verging on complicity was without design. It reaped for them a {$19000.00} ill-gained windfall at the expense of a customer to whom they have fiduciary responsibility. If as I suspect this conduct of theirs extends across their whole system, there have probably been XXXX XXXX XXXX pillaged by them from small businesses in the most deceitful way. Chase has Responded with crediting my account on XXXX XXXX XXXX. They are refusing to fully refund the remainder of XXXX. I request that you hold them to account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Dept of EdXXXX : XXXX Dept of EdXXXX : XXXX Dept of Ed/XXXX XXXX XXXX Dept of EdXXXX : XXXX Dept of edXXXX : XXXX Dept of ed/XXXX  : XXXX Dept of edXXXX : XXXX XXXX  : XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Transunion and asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and i requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting

Hello, I have been in dispute with XXXX account on my Experian report, The accounts are as follows : XXXX XXXX XXXX XXXX # XXXX, XXXXI have filed a complaint with the CFPB regarding these account with no response from XXXX XXXX XXXX, I have attached the full communication between XXXX XXXX XXXX and myself. No validation has been provided and I want these accounts deleted from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to this organization to send me proof of the alleged infraction that is reporting in my name. The company has refused to do so and is now stating my dispute is frivolous when they haven't sent me what I have asked for. 

I have not received any dated information with the company 's logo with stating how this infraction pertains to me. 

According to the FCRA Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer.

Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX XXXX for the investigation. XXXX XXXX XXXX can alter information for your benefit. 

This organization has yet to comply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX but my credit report shows an outdated address as 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 I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report, [ Incorrect Phone Number ], is no longer in use. I request that my new phone number, [ Your Current Phone Number ], be updated as my primary contact number. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 


Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.
Product: Credit reporting or other personal consumer reports

Despite our persistent attempts, I regret to inform you that these fraudulent items still persist on my record. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the items : XXXX  XXXX XXXX Balance : {$2400.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX Balance : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Checking or savings account

Through First National Banks own XXXX Banking XXXX, I initiated a transfer for the balance in my checking account to another financial institution. First National Bank tacked on a XXXX cent fee. This fee was either not disclosed or disclosed in a manor that was not easily seen. 

The result of this fee being added on First National Bank caused an overdraft of XXXX cents in my account. Then they charged me an overdraft fee of {$37.00}. That's an astronomical fee of 1,355 % My issues are : 1. The transfer was processed through First National Bank and when I processed the transfer it should not have allowed me to do so since I would not have had enough money to make the transfer. 
2. Being charged an overdraft fee caused by a bank fee seems way out of bounds. 

I tried to get a refund from the bank but they refused.
Product: Debt collection

Referencing : 15 USC 1681a2, I did not give written permission to have Account # XXXX XXXX XXXX XXXX XXXX XXXX Bank furnished on my credit report. This account was resolved with an Identity report and was deleted by the 3rd party collection agency. Please see attached documents and reports from the Consumer Financial Protection Bureau. I would like for this account to be removed and deleted from my consumer report from all three credit bureaus such as XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL ( XXXX XXXX ) FOR THE AMOUNT OF XXXX DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT ( SECTION 611 ). THIS IS A CLEAR VIOLATION THAT SAID ACT.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. 

I give the company full authorization to investigate this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments for the XXXX XXXX  account ( Account Number:XXXX  ) reflected on my Experian consumer report. Specifically, the reported XXXX late payment for XX/XX/year> and the XXXX late payment for XX/XX/year>. After reviewing the account details and consulting the XXXX XXXX reporting standards outlined by the Consumer Data Industry Association ( XXXX ) in the Credit Reporting Resource Guide ( XXXX ), I have identified several inaccuracies and non-compliance issues. 

Discrepancies and Non-Compliance Identified XXXX XXXX XXXX XXXX - Payment Rating for XXXX  Days Past Due ( Code XXXX ) The reported XXXX late payment for XX/XX/year> does not meet the requirements set forth in the XXXX XXXX standards. No evidence has been provided to confirm that proper notices were sent to me, including any required disclosures or billing statements before this payment was marked as delinquent. 

XXXX XXXX XXXX XXXX - Payment Rating for XXXX  Days Past Due ( Code XXXX ) The reported XXXX late payment for XX/XX/year> similarly lacks supporting documentation and compliance with XXXX XXXX standards. Experian 's failure to ensure accurate reporting violates both XXXX XXXX requirements and the FCRAs mandate for maximum possible accuracy ( 15 U.S.C. 1681e ( b ). 

XXXXFailure to Adhere to XXXX XXXX Reporting Standards and XXXX XXXXPer the XXXX guidelines, all data must align with the standardized formats to ensure accuracy and consistency. The inconsistencies in the reported balance, credit limit usage ( exceeding 100 % ), and delinquency status suggest incomplete or improperly validated data from the data furnisher ( XXXX XXXX ). 

.The absence of timely notifications regarding past-due amounts further highlights non-compliance. 

XXXXPotential Misclassification The account was closed, and the outstanding balance of {$2200.00} significantly exceeds the credit limit of {$950.00}, which is an additional reporting error that impacts my credit utilization ratio inaccurately. 

Request for Immediate Action In light of the identified discrepancies and non-compliance with XXXX XXXX standards, I respectfully request the following : .The immediate removal of the XXXX and XXXX late payment ratings from my Experian consumer report. 

.A full investigation into the accuracy of the data being reported for this account. 

.Written confirmation of the corrections or a detailed explanation substantiating the reporting, including documented proof of compliance with XXXX XXXX standards and federal regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. The current status should not be showing late because I paid it on time. XXXX and XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any items of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The XXXX is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the XXXX has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Product: Student loan

The amount of the total amount owed had increased greatly than the amount of what I borrowed. The interest added on to the loans are outrageous.
Product: Debt collection

Debt shows an address in Texas that I never lived in. Called collection company and never heard back. The original collection was deleted in 2023,
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX on XXXX XXXX. I was told that {$1000.00} cash deposit down was required in order for credit through Capital One XXXX to be extended to me. This violates 15 U.S. Code 1662 ( 2 ). I was then notified that I needed car insurance in order to leave lot. Pursuant to 15 U.S. Code 1605 ( a ) ( c ) insurance was supposed to be included in the finance charge which it was not. At this current time, I am still paying a monthly premium for car insurance. I believe that Capital One XXXX along with XXXX is in violation of 15 U.S. Code 1692 ( XXXX ). There was also several late payments that are reporting on my credit as result of me losing my job as a result of XXXX from XXXX through XX/XX/2020. I contacted Capital One XXXX to remove these late payments and they have refused. Pursuant to 15 U.S. Code 1666b, creditors may not report late payments. Capital One has made several phone calls and even text me at inconvenient hours to demand payment when I am even 1 day late on a payment. As stated in 15 U.S. Code1692 this is illegal. and sent Lastly, my personal information is being is being reported to several non affiliated XXXX party consumer reporting agencies. This is a clear violation of 15 U.S. Code 6802a. These current events are causing me extreme XXXX, XXXX and XXXX as I am being repeatedly denied credit stating that I have unsatisfactory payment history as a result from Capital One.
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 accounts 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 accounts : XXXX XXXX XXXX & XXXX XXXX