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

On XX/XX/XXXX I received a phone call from Chase regarding possible fraudulent activity. I was asked if I had made a purchase at USPS for {$480.00} to which I responded no. They then asked of I had made two different transactions at a XXXX Atm for {$43.00} each time. I responded no. I was told not to worry I would not the responsible for these charges and that they needed to file a claim to return the money into my account and that it could take several days. I checked my account and 2 days later I seen two credits for {$43.00} and two non chase atm fees of {$2.00} were returned into my account but not the  {$480.00}. I called chase to find out why and was told that it was denied. When I asked for a supervisor she placed me on hold and said the request was done incorrectly and had to be redone. I said fine. Later I checked my account again to see if there was any other activity and found I was being double charged for XXXX for several months. I called XXXX who said I had two open accounts. I explained I should only have one and asked for information as to who opened it they refused to tell me. They said to call Chase and report it as fraud. Which I did. Chase then indicated they can only go back 60 days to return the money and to call XXXX to have them report the fraud. I call XXXX back and they decided to close the extra account and refund my money. I called chase to advise them. I was told unfortunately since it was reported as fraud there is nothing they can do with my report and that the fraudulent charges on XX/XX/XXXX ( {$480.00}, {$43.00}, {$43.00} and the two {$2.00} non chase arm fee ) were denied because there was fraudulent activity on my account since XX/XX/XXXX which I never reported. They also claimed that I said I lost my debit card and therefore there was nothing they could do for me. I even called the executive office and they still denied giving me my money back. Had I known reporting the XXXX charges would cause an issue with the actual fraudulent charges on XX/XX/XXXX would have never reported it. However, from when I called them on XX/XX/XXXX I was told the claim was denied. Seems chase just is looking for the easy way to deny giving me my money back from my account which they failed to keep safe. Someone created a fake atm card and found out my pin and was able to take {$570.00} out of my account. I think it is unfair for me to not get my money back when it was fraudulent charges! I want them to investigate and get this person arrested! I want my money back!
Product: Payday loan, title loan, or personal loan

I borrowed {$2600.00} with a {$160.00} bi-weekly payment. Over the last year, I have paid back over {$4200.00} and still have over a {$2000.00} balance due. I have proven that I can pay back the loan, and I shouldn't have to pay back another {$4200.00} over the next year to pay this off. I hope NetCredit can see their way that this is a predatory loan and I have more than paid back my loan amount with interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX ) and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. 

Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my name to : XXXX XXXX XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida FL XXXX My only Social Security XXXX is : XXXX My only and correct Date of Birth is : XX/XX/XXXX I do not wish to have any telephone number on my report. 
Please remove all the other addresses on my report, as they are not deliverable to me by the U.S Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attach Driver License, SSN card, and proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX XXXX has been addressed multiple times this regard. Since the last negative reporting is over 5 years, they were asked to remove negative items from the credit reports. It has been over 30 days and nothing has been done by the creditors or the XXXX. The last negative item was provided to the reporting agency in XX/XX/XXXX. Yet, all fails to remove this from my report. Also, proof of the negative items were requested by XXXX XXXX, 30 days late and March 60 days late was never provided. All the creditors take thier word and NEVER ask for proof nor have provided me any. Since this was an old report I had asked multiple times, to include XX/XX/XXXX, to get the negative items or XXXX   as a whole removed from my credit history. XXXX was paid in full and I had them close the account. Why is date of status at XX/XX/XXXX???? in the Experian report? This can cause XXXX employment issues and credit issues. The negative is more than 5 years old. This needs to be removed. By law, they can remove it and chose to leave it there. Reporting is  optional, but not by law. This can be removed at any time. I asked XXXX to be reasonable to remove them totally from all reports or at least these two things. I receive a electronic computer generated report that they are right, no proof or reasoning. NO further repeat investigation will be done. This go for the creditor and XXXX. I am trying to fix my report to work. Lack of cooperation and abuse continues. They, at this point, are required t prove what thy are reporting. 

XXXX is the crediting bank.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Money transfer, virtual currency, or money service

I want to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

[ XXXX XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to Provide that proof, or if lacking proof of these payments being late. please update my_ payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws
Product: Student loan

I have been trying to get a XXXX discharged processed with Sallie Mae for over a year. I have given them everything they and theyre servicer XXXX XXXX have requested. They keep claiming they need additional information but they wont tell my doctor and I what additional information they need. None of the phone numbers they have given are attended by a human. 

Over a year ago I applied for a XXXX discharge with the student loan provider, Sallie Mae. They told me they do, offer XXXX discharges. The request was forward to XXXX XXXX for processing. XXXX  XXXX keeps claiming they need the same information over and over. 

They claim to need a signed doctors statement.

I have provided this at least 12 times.

I have sent the requested documents via email, fax, through their website and through the US mail. In addition, my Doctor sent them directly from her office. 

When I call Sallie Mae to get it resolved they tell me to call XXXX  XXXX. When I call XXXX XXXX they either tell me they can't help me or they send me to an unattended line or they don't answer the phone at all, I just keep getting the same letter over and over. It is obvious they are fraudulently trying to avoid processing the XXXX discharge Thus is their response to my queries! 

Thank you for sharing your continued concerns with the CFPB regarding your XXXX XXXX Student Loans. We hope the following information is helpful. We are sorry to hear of your XXXX and understand that your condition may present numerous challenges. Our records reflect that we received an XXXX XXXX Statement from you in XX/XX/XXXX and we forwarded that to our claim administrator, XXXX  XXXX XXXX XXXX. They reviewed the documentation and determined that additional information is needed. Correspondence was sent to you on XX/XX/XXXX, advising you that the XXXX XXXX Statements that were received were not fully completed by the doctor. In order for your claim to be considered, the XXXX XXXX XXXX needs to be fully completed. Please send us the updated XXXX XXXX XXXX at your earliest convenience. We apologize for any dissatisfaction with the service you received. If you have questions or need further assistance, please call our Customer Service Contact Center at XXXX. 
Your feedback Sallie Mae deferred the issue to XXXX XXXX  suggesting that XXXX XXXX  needed additional information from my doctor. XXXX  XXXX said the additional information they need is my doctors signature which I have provided numerous times and my doctor has provided numerous times. I included the document with my doctors signature in the complaint and Sallie Mae has the copy. 

The company did not address the issue. They continued with the fallacy that XXXX  XXXX needs additional information. Other than the doctors signature which has been provided what additional information does XXXX XXXX need? 

The company said theyd address the issue and they did not do anything to resolve the issue. My doctor and I have given XXXX XXXX what they requested which is a doctors signature. They claim to need additional information but they will not tell us what they need.
Product: Credit card

This is regarding CareCredit and their predatory interest practices. It is deceptive. Advertised that if you pay in full in XXXX  amount of time, no interest will be accrued. They never tell you that the interest rate is 30 %. For the month of XXXX, I was charged {$390.00} in interest alone. Unless I hit a financial windfall, I will never get this paid off. CareCredit will be collecting a monthly payment from me until the end of time. 
People using CareCredit are often in dire situations and need to pay for medical care. CareCredit preys on the desperation. 

If I knew CareCredit was so scammy, I never would have used it.
Product: Debt collection

Recently, I received a CFPB Complaint on XX/XX/2023 from TRANSUNION where XXXX was deleted. I looked at my report ; they never deleted it and are still reporting on my Credit report. Transunion has caused XXXX  XXXX in me. I did not Authorize nor consent to report this account. Per the Fair Credit Reporting Act, everything has to be 100 % accurate on my report, and Under 15 U.S Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. I also put my report in the upload where it is reporting when it should have been deleted.
Product: Credit card

Victoria Secret Credit Card XXXX/COMENITY/VICTORIA This account was opened on XX/XX/year>, and its status is now marked as " closed. '' After the first two months, specifically in XXXX and XXXX, I noticed unauthorized charges on the account, though I dont have the exact dates. I contacted Victorias Secret to explain that the purchases were not made by me and that I dont even shop in that city. Unfortunately, I received no resolution or assistance. The account is now closed, and I am unable to get any further help.
Product: Credit card

I recently received a mailing of a new agreement from Citi for my Citi Dividend account informing me of my right to request to opt out of arbitration. I mailed a notice to opt out to the designated Citi XXXX XXXX . Today I received XXXX envelopes from Citi. The letter from XXXX envelope states : " As you requested, effective immediately, your Citi Dividend account is no longer subject to the arbitration provision of your Card Agreement. '' The letter in the other envelope states : " Your Citi Dividend account is still subject to our arbitration provision because your account is n't eligible to opt out of the provision. '' Both letters show my name and address as well as the correct endings for XXXX card numbers.
Product: Debt collection

The Credence Resource Management at XXXX XXXX XXXX, XXXX XXXX in XXXX, TX XXXX has been sending me collection notices. This company states that they represent XXXX XXXX XXXX and that I owe {$980.00} toward trip/account number XXXX. I paid this amount in full to XXXX XXXX XXXX by check on XXXX XXXX, 2015. This check cleared my bank on XXXX XXXX, 2015, however, Credence Resource Management has refused to acknowledge this payment with XXXX XXXX XXXX. This collection company was sent XXXX written notices by me. The XXXX written notice was sent by regular mail on XXXX XXXX, 2015 and XXXX notice was sent by certified mail on XXXX XXXX, 2015. XXXX notices informed this company that XXXX XXXX XXXX has been paid and they continue to send me collection notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 days late payment XX/XX/2018 XXXX XXXX XXXX.I was in shock because I was never late in my payments.The information is incorrect.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balanced : {$3300.00} XXXX XXXX Balanced : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am living, and I have rights under 15 USC 1681 to have a 100 % accurate, complete, and private investigation done to my credit report. Equifax is governed by USC 1681 and have violated my rights numerous of times with inaccurate information and violating my privacy rights as a consumer. I demand the following accounts to be removed. According to 15 USC 1681 I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

Accounts : 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

XX/XX/2022. I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau. Their return letter stated, " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. '' I sent certified letters to the credit bureaus let them know that I did not give them permission or written consent to them or any other agency to furnish my information. How did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681. nor did they follow their own consent policy. It is damaging to my reputation and a blatant disregard to my right to privacy.

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

The have violated my rights numerous times.

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

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been dealing with AFNI in regards to XXXX for over a year. Every letter I have sent, I have asked for them to VALIDATE the debt. In my letters, I have also asked for them not to send any photocopies of a XXXX XXXX, I have continually have asked for AFNI to send any legal documentation stating I have any business dealings with them. All they ever do is constantly send over a copy of a XXXX bill. Even the XXXX bill doesn't mention the company AFNI on it. I just want LEGAL DOCUMENTATION stating I agreed to have any business dealings with AFNI!!!!!! I am tired of going back and forth with this company!!!!
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at the XXXX dealership and when they ran my credit to see what bank would approve me for the loan I was told that I didn't qualify without a co-signer due to an account reflecting badly on my credit history. The account is from XXXX  XXXX XXXX with negative payment history with a credit limit of {$2500.00}. This account is not mine and I didn't give anyone permission to open this account on my behalf. I'm not sure who is responsible for opening this account ; I did not benefit anything from it being opened in my name such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account. I have already filed a police report regarding this unauthorized account.
Product: Credit card

I wish to file a complaint against Chase for a misrepresentation and overcharge in a hotel booking made through their portal. My reservation was for a stay at The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XX/XX/XXXX to XX/XX/2023, under the confirmation number XXXX. The booking was for a Luxury King Suite Sphere View for 2 guests and 2 nights, as clearly stated in my confirmation email. However, upon check-in, I was informed by the hotel that my reservation was for a Luxury King Suite CityView, not the Sphere View. The hotel attributed this discrepancy to an issue with the Chase portal and the only available Sphere View room was a double-bed option, requiring an additional charge of {$160.00}. I believe this constitutes a misrepresentation on Chase 's part, leading to miscommunication and an unexpected additional charge. I am seeking a refund of the {$160.00} and request an investigation into Chase 's booking system to ensure accuracy and prevent such errors in the future. This incident has caused significant inconvenience and distress, as I had assured my companions based on the booking details provided by Chase, and it raises concerns about the reliability of Chase 's booking portal.