23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I initially complained over the phone to Chase Cardmember Services about not receiving the items I purchased with my Chase Sapphire Reserved Card. 

After Chase 's investigation, I received a letter from Chase dated XX/XX/XXXX regarding my dispute with XXXX XXXX. Chase informed me they couldnt confirm that I was due credit because the merchant had no record of me canceling the request within policy guidelines. 

The merchant is correct. I never " canceled '' my order, but unfortunately, my claim with Chase Cardmember Services was never about " canceling '' the goods but about not " receiving '' the items I purchased with my Chase Sapphire Reserved Card. 

As a follow-up to the phone conversation, I sent my request in writing to Chase, XXXX Chase to reevaluate my existing claim ( XXXX XXXX XXXX, and asked Chase, as part of their investigation, to contact the merchant and ask him to provide Chase with the delivery confirmation. If the merchant cant produce proof of the delivered merchandise, I should be reimbursed for the purchase as per our purchase contract agreement. 

In my letter to Chase, I reiterated my concern about their initial investigation by saying that my claim with Chase Cardmember Services had nothing to do with a " cancellation. '' I claimed that I had not received the merchandise I purchased from XXXX XXXX using my Chase credit card. They attempted to deliver it, but it was not the merchandise I ordered. That is my claim. I will willingly accept my order if it is what I ordered. 
XXXX XXXX of XXXX XXXX never upheld the end of our agreement, the signed sales contract with his signature clearly stating that he, as the supplier, guarantees the correct delivery of the XXXX carpets I ordered. That is my claim with Chase Cardmember Services. I dont know how my claim got changed to a cancellation, but I never canceled my order. 
As mentioned here, I asked Chase to reconsider my existing claim and keep it open for a follow-up investigation with the merchant not upholding their obligation with my Chase credit card payment to receive the XXXX carpets I paid for. 

The merchant has no verification or receipt of their carpet delivery to my address with my signature because I never received the merchandise. 

Chase sent me a letter dated XX/XX/XXXX, summarizing their investigation and concluding that the transaction was valid. My complaint with the Consumer Financial Protection Bureau is that Chase 's letter of XX/XX/XXXX is not transparent or clear to me that they honestly followed up on my requested claim mentioned above. 

Chase was not transparent with me regarding their investigation and did not disclose any information about their investigation or what they actually did with respect to my claim. However, Chase was very clear to me by rudely informing me that they would not respond to any future correspondence from me about this again.
Product: Bank account or service

I owned a Chase debit card that was fraudulently stolen and used for purchases at several retail stores in XXXX XXXX. I attempted to work with Chase but their independent review led them to believe that I was the one making the purchases even though I submit proof that I was in XXXX XXXX at the time of the purchases. Chase then took over XXXX dollars that was in my personal and joint accounts. This has been ongoing since XX/XX/XXXX with a final determination coming in XXXX 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted letters to XXXX, XXXX, and Transunion asking them to reinvestigate the information previously disputed and provide who they verified the inaccurate information reporting on my credit report with and I have not received a response. The date is now XX/XX/2023 and I understand the next step is litigation, however I am giving the bureaus a chance to rectify this situation. I want to formally file a complaint and receive the fair response that I am due. Please hold these companies accountable.
Product: Credit reporting or other personal consumer reports

XXXX is refusing to remove fraud related account from credit report after multiple attempts and documents sent to them beginning in XX/XX/2023 just recently they just asked again for proof of identity which Im submitting the letter and also the information requested through this portal.
Product: Debt collection

After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore 2nd Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.
Product: Checking or savings account

I had opened a checking and savings account at First Tech Federal Credit Union. After a few months of " inactivity '' the credit union began charging me {$5.00} per month as " inactivity fee. '' When I logged back into my account, I found that my balance had decreased substantially due to the " inactivity fees '' a total of {$50.00}. 

I called First Tech and asked for a refund, but they refused.

I find that First Tech 's policy is XXXX  to theft. They have no right to take borrowed money from me and appropriate it to themselves simply because it sits in their institution. Isn't the point of banking to lend money to the institution and leave it there?

I opened an account with First Tech thinking that it would be different from big banks that charge fees. I'm disappointed to see that I was mistaken.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XXXX, XXXX XXXX  To Whom It XXXX Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : XXXX XXXX XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 ATLANTIC UNION BANK XXXX XXXX XXXX XXXX XXXX FKA UNION BANK & TRUST XXXX, VA XXXX XXXX This company accessed a HARD INQUIRY on my credit report ( S ) and was NOT authorized to do so. The company refuses to remove the inquiry and it has caused undue hardship and added negative effects to my ability to maintain my credit score. This company attempted to take me to court for an action that was not mine and was over ten years old, and this company did not succeed in the attempt per the state of Virginias legal services. Please help me have this removed and compensated for the damage caused.
Product: Credit reporting or other personal consumer reports

Key bank account closed after a notary republic when a man named XXXX XXXX made a loan to XXXX XXXX in XXXX Washington XXXX XXXX was ripped off by XXXX XXXX XXXX XXXX  account closed because of XXXX XXXX XXXX XXXX had account in XXXX Washington XXXX XXXX  lost a bunch of money because of XXXX XXXX XXXX XXXX have sound credit union account closed to in XXXX Washington had a chase bank account closed to had to pay money to XXXX during a XXXX years investigations by office of records keeping associated with employment security department Washington XXXX XXXX XXXX XXXX XXXX XXXX with XXXX raw number in Washington XXXX XXXX XXXX department need to know if I should be compensation on XXXX issues since am XXXX state truck driver always working can't keep up with each is another issue is XXXX sound XXXX lost stolen items on civil rights claim in XXXX Washington same as California were i had a civil rights claim on lost stolen items
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at approximately XXXXXXXX XXXX a credit report request was generated by leasing office to check background, tenant history and credit history. On Tuesday XX/XX/XXXX, the leasing office stated that experian, one of the credit bureaus reported that my SSN as recorded as a person who is retired and deceased with wrong dob and a recorded date of death. I immediately called XXXX and disputed this. I was denied leasing at a resident complex named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to misinformation on my credit report. There were also many billing information not belonging to me including address records. In addition they told me someone from XXXX  was using or changed my SSN and information and probably using it fraudulently making this a crime of ID theft and I am now a victim. I have since paid for credit repair and investigation through experian using a service called XXXX XXXX and still is under investigation. I will also file a local police report in addition to this FTC complaint. I found letters one dated XX/XX/XXXX of data breach from Advance America where my SSN was impacted. I just found letters through some old mail I received that were not opened due a recent move and also found another from a company named XXXX on XX/XX/XXXX who uses a software called XXXX transfer and my personal records including my XXXX children SSNs and records of that were impacted through the XXXX XXXX  database. I will attach one of those letters for one child and the one from Advance America. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXXI XXXX {$460.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  XXXX - reported to collections agency aldous and associates. Date opened XX/XX/2019, balance {$130.00} I have contacted both the collections agency and the XXXX XXXX  to request the information as to why this account is open eventhough it's not mine. And I was not provided any information nor account number. 

I have contacted all credit bureaus to create a fraud alert
Product: Debt collection

This company has asked me to borrow money from family or friends to pay them. They have asked me to take out a loan from another company to pay them. They said I need to prioritize my debts by paying them before I take care of my medical issues. This led them to telling me that I should get better insurance so my deductables are cheaper. 

They refuse to take payments that are not what they want, even though its something toward the balance
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, I have sent over six disputes to all three bureaus. I have not been verified of the initial results. I continue to receive template letters. Section 609 a ( 1 ) A of the FCRA states that. Bureaus are required by federal law to verify. through the physical verification of the original consumer contract. I requested that unverified accounts be removed immediately and there has been no results provided.
Product: Mortgage

Suntrust Mortgage : *Forclosed on me while i was XXXX*Denied me for XXXX but the said i was covered a couple years later but never fixed my % *Missing Payments*Did not change XXXX, XXXX, XXXX interest rate to 6 % from 6.875 % on my first mortgage*Did not change my XXXX interest rate from 13 % to 6 % since my XXXX was paid off i deserve the money back*In XXXX was foreclosed on ( THEY LOST A FEDERAL LAWSUIT IN XXXX OF XXXX FOR WRONGFUL FORECLOSURE PRACTICES FROM XXXX TO XXXX ) XXXX XXXX mortgage was paid off and $ XXXX put into an escrow account but when they foreclosed i was never paid this. so they have had my money for 8 years*I want my XXXX mortgage Re-evaluated and the payments re-applied. i show i only owe $ XXXX*When foreclosed i payed {$15000.00} to reinstate no attorney fees should be applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING 5 INQUIRES THAT DON'T BELONG TO ME XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  IS REPORTING A CREDIT CARD THAT DOESN'T BELONG TO ME XXXX   XXXX # XXXX LIMIT IS {$500.00} BUT REFUSES TO REPORT 4 CREDIT CARDS THAT DO BELONG TO ME XXXX XXXX XXXX # XXXX LIMIT {$4000.00} XXXX XXXX XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX # XXXX LIMIT {$5000.00} I will attach a compared report between the bureaus and you will clearly see the discrepancies reported!
Product: Credit card or prepaid card

I have a very high balanced credit card with Barclay, have had it for many years!! They decided all of a sudden to start upping my interest rate for the past SEVERAL months!! I called them, they don't care, closed the account and continue making payments and they continue upping the rate every month. How is this even legal?!?!?!? I make timely payments every month and have for years and years!! I have closed it, how long are they allowed to continue raising the interest rate on a closed account!! Also with no notification and I would like to see the paper I signed saying this was a variable rate, it hasn't changed for years!! I don't remember signing anything like that, have also asked them to produce that twice and nothing. People are having a hard enough time today without these companies trying to take advantage!! Will never use them again and will not recommend. I have another card that just switched over to them I believe, need to close that one also!
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Collection Accounts that I do not recognize are reporting on my report that are not mine
Product: Debt collection

Disputed debt ownership. Never received validation, removed. Re-added today. XXXX XXXX XXXX client, account # s do n't match.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report
Product: Debt collection

Account Resolution Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, NM, XXXX To : The Office of Registered Agent for Account Resolution Services From : XXXX XXXX XXXX Regarding XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members , possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within XXXXour business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts are not mine, they have incorrect information and greatly affect XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Email received XX/XX/2021 from XXXX Department of Law & Enforcement Legal Notice : Under 18 USC Section 1956-58 : Lawsuit Id XXXX ( Immediate Action Required ) Indicated that I have been blacklisted and that my social security number and banking accounts are under investigation through major credit bureau XXXX. 

Sending court papers to a very old address at which I no longer live. All of the information about current employer/phone number, etc. is not current. 

I was laid off from that employer at the time the debt was incurred.
Product: Debt collection

I have tried to settle this matter and Portfolio Recovery Associates have ignored every request for verification dated inXX/XX/XXXXasking for verification and they continued communication and reporting on an unverifiable account until XX/XX/XXXX when they just deleted the account and said nothing they brought the account back the following month and clam it never happened I then sent mail via Certified receipt on XX/XX/XXXX it was received and has not been deleted