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

I disputed a charge with XXXX of {$2200.00} on my Chase Visa Business Ink Plus card dated XX/XX/XXXX. On XX/XX/XXXX, I was notified the dispute was in resolved in the favor of XXXX but for some odd reason wasn't informed as to the procedure to appeal the decision which is usually written on the same letter. I've tried to call all day today but haven't been able to get through to a live person with the number they've provided me. I just sent a secure message and there's a notice saying " there might be a delay of a one or two weeks longer for a reply, '' The last time I got that response, it took one week to get a reply stating someone will get back to me shortly. I know I have only a limited period of time to file my appeal. If I miss that window, I will be precluded and lose my right to appeal. My dispute contained 34 pages including over a dozen pages of emails and photographs which I don't think were received and/or reviewed. Last time I submitted documentation for a dispute with Chase Visa, they sent me the response from the merchant for my review to my documentation and my dispute was overturned on appeal. This time, I never received anything except a letter. Finally, when I file a notice of appeal, the charge is supposed to be temporarily credited from my account until it's resolved if I'm correct. Can you please assist me in resolving this. Chase is usually fair about matters like these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX Acct # : XXXX Balance : XXXX 2. XXXX XXXX XXXX Acct # : XXXX Balance : XXXX 3. Dept Of Ed Acct # : XXXX Balance : XXXX 15 USC 1681 section 604 states rights to consumers privacy Reporting agencies can NOT furnish an account WITHOUT MY WRITTEN CONSENT!
Product: Credit card or prepaid card

On XX/XX/XXXX my husband and I visited an XXXX at the XXXX XXXX XXXX  in Texas. We put {$50.00} on her account. We paid an additional {$4.00} for the transaction for a total of {$54.00}. When we got the credit card bill today from First National Bank Omaha XXXX, there was a charge of {$29.00} and a fee of {$15.00}. So the XXXX  only received {$29.00} of a {$54.00} transaction. That adds up to {$44.00} ( {$29.00} + {$15.00} ) in the first place, so where is the missing {$6.00}? But the {$15.00} fee is outrageous and you are not warned, except in the vaguest of language, that this might occur. I would have expected maybe a small fee on top of the {$54.00}, but not basically clipping people for {$15.00} and then a {$1.00} interest charge!!! And where did that extra dollar go -- seems fishy. On top of that there is a minimum interest fee {$1.00}, even though the bill is not due until XX/XX/XXXX!
Product: Checking or savings account

XX/XX/2024 XXXXXXXX XXXX  Email from Capital One stating my transfer of {$16000.00} from my savings account to my business account was complete and the money was available on XX/XX/2024. 

XX/XX/2024 XXXXXXXX XXXX Call to Capital One ( XXXX ). 53 minute call from me regarding money transfer from savings to business account. They switched me between three different people : one with the business side, one with the regular accounts and then to the Fraud Division. Was told all transactions were stopped ; the money was still in the business account. I could still have access to the accounts and it showed the money was still in the account. 

XX/XX/2024 XXXXXXXX XXXX. Email from Capital One stating that an ACH was processed at XXXXXXXX XXXX from XXXX XXXX XXXX business account to XXXX XXXX in the amount of {$9100.00} confirmation code XXXX XX/XX/2024 XXXXXXXX XXXX. Email from Capital One stating that an ACH was processed at XXXXXXXX XXXX. from XXXX XXXX XXXX business account to XXXX XXXX in the amount of {$8000.00} confirmation code XXXX XX/XX/2024 XXXXXXXX XXXX  Call to Capital One Fraud Department ( XXXX XXXX ). 20 minute call processing fraud claim. 

XX/XX/2024 XXXXXXXX XXXX  Call back from Capital One Fraud Department ( XXXX XXXX ). 46 minute call completing fraud claim. All accounts were frozen and my access was removed. 

XX/XX/2024 Spent 4 hours at the bank trying to get resolution. Was told the money was in fact sent via ACH for a total of {$17000.00} removed. 

The bank is still refusing to refund me the money.
Product: Money transfer, virtual currency, or money service

On XXXX I came across an XXXX account called XXXX. I wanted to buy shoes and the account pressured me into using XXXX. I had tried giving my XXXX information so they could send me an invoice, they stated they dont take XXXX. I tried to use XXXX because I know they also have a goods and services feature. They then made up an excuse that their XXXX couldnt receive any more funds. I did not really understand this and was confused so I just agreed to XXXX because they suggested it but I didnt know that XXXX doesnt offer goods and services transactions. The total transaction amount was {$610.00} and the posted transaction date was XX/XX/. The XXXX recipient used the email XXXX with the name XXXX. They stopped responding after receiving the funds. I filed a claim with my bank, Wells Fargo, explaining that I was pressured into using XXXX even after I tried to use XXXX goods and services payment. I also disclosed to them that I later discovered the XXXX account was using stolen reviews from another business going by a similar name. I disclosed that this false information misled me into thinking the account was a reputable and trusted business. Wells Fargo responded with a statement that said they couldnt help me because the transaction was processed as requested however, that is literally how a scam works. The promise of a good or service and then not following through. Of course I authorized the payment because it was intended to be for an exchange of goods, however, they scammed me by never responding after that. 
As of XX/XX/ they have deleted their XXXX  account.
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 items 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 items XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 2 frustrations on my credit report that seems to be the fault of the companies directly and not on my part, I have outlined below. I have tried contacting the 3 bureaus and the companies in question directly to no avail. 

SE TOYOTA FIN DBA OF WOFC : Missed payment XX/XX/XXXX. As instructed by the company the first payment was successfully made ( on record XX/XX/XXXX ), and hereby after auto-payment was setup ( Have email confirmation ) and supposed to commence XX/XX/XXXX. A failure in SE TOYOTA FIN auto payment system followed by a failure by them to notify me resulted in a missed payment which was reported on my credit. As soon as I became aware of their system failure ( I was i XXXX for 2 months for business ), I made the payment manually and had to again setup the automated payment. Their customer service reps admitted to me on the phone they had issues with their automated system. I asked them to report to the credit bureaus that the error was their fault, something they failed to do. 3 years later all payments are made on time and I have made a final payment to pay off the car in full so this account will be closed in XX/XX/XXXX. I expect this error on their part to be removed from my credit report immediately as it was initially their fault not mine. 

XXXX  XXXX XXXX : XX/XX/XXXX XXXX report a credit card balance ( not past due ) causing a 5-point decrease. This is later corrected, and a 5-point increase applied in XX/XX/XXXX. That aside XXXX  sent bad information ; a close analysis of my XXXX profile shows accounts with $ XXXX plus in them, access to $ XXXX in credit card financing and XXXX balances going back multiple years. I spoke with XXXX  and they told me the error with the bureaus. Neither the bank or bureaus will sort this out and it has happened 3 times in XXXX. 

XX/XX/XXXX XXXX  make a comment on my account. I can not access the comment in my credit profile and requested what the comment is, but they failed to respond. The comment they made dropped my credit score 6 points. I want an explanation how with XXXX balances ( actually I have positive balances on my 2 credit cards ) and all payments made a company can make a comment that I can not access or see, and it affects my ability to borrow future financing. It simply has to be illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  account listed on my report has been cancelled. The bank issued a 1099C and the account has been filed as earned income. Since the account has been filed with the IRS the account status is now earned income. INCOME IS NOT REPORTED ON CREDIT PROFILE. PLEASE DELETE IMMEDIATELY. 

This is a violation of 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

If account is not DELETED IMMEDIATELY I will take legal action to for negligent or willful noncompliance with the law.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I recently submitted a dispute with Experian concerning a public record on my credit report. I was instructed to contact XXXX regarding the issue. XXXX was named as the vendor that verified the public record. I have submitted supporting documents to Experian from XXXX stating that the public record account do not exist. Also, a letter from Bankruptcy court stating they do not report directly to credit Bureaus. I understand that the Experian must physically verify information from the original furnisher. This public record is not reported by the other reporting agencies XXXX and XXXX. I asked Experian in my previous dispute about the non consistent and inaccurate reporting, which was never validated. I submitted all documents to Experian on XXXX XXXX. My dispute confirmation number is XXXX. I would like a proper and thorough investigation. The public record is XXXX Court US BKPT CT TN XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported inaccurate information without my consent which is against the law. This account is not mine. 

According to FCRA SECTION 605b it is illegal to report information on my credit report without my permission. Please remove and delete from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF ED XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I tried to contact them but the passwords, emails, and information that was on file I didn't know are have ever lived at. This was not me.
Product: Credit card or prepaid card

On XX/XX/2019 I bought a Visa gift card from XXXX in XXXX, CA. I paid {$320.00} for the gift card and {$310.00} was loaded onto the card due to the {$5.00} fee from Visa for buying their gift cards. I paid for the gift card completely in cash so there is no way to take up this issue with my bank. The first time I attempted to use the card was in person at a restaurant ( after I called the number on the back of the card to activate it ) and it was declined. I called the number on the back of the card again to check my balance and it said I had {$0.00}. I called the same number and spoke with a representative from the card company who told me to fax a copy of my receipt, card ( front & back ) and my driver 's license to the number they gave me. I tried 4 times to fax this and the fax wouldn't go through. I called the number a third time and spoke with another representative from the card company about how a prior representative told me to fax my information but that it wouldn't go through. This representative mentioned nothing about a fax and instead transferred me to someone else who said I needed to file a dispute form and recorded a portion of the phone call where they asked me a series of questions about the card, including if there were police involved and a police report. When I finally got the form, the form said I had 10 days to fill it out and send it. The representatives never told me this information and it was already past the 10 days when I had called the number that third time. I called a fourth time and explained to a different representative what the first two representatives had told me. I was put on hold multiple times and finally given a correct fax number by the representative. They said that someone would email or call me once they had received the faxed documents to discuss about getting me a new card. I faxed the documents again to the correct number and they went through but it has been over two weeks since that fax and still no one has gotten back to me about a replacement card. I have been attempting to get a replacement card since XXXX and it is now XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I check my credit and I see there a auto loan for XXXX on my EQUIFAX REPORT NOT XXXX OR MY XXXX REPORT. I BEEN SENDING IN ALL MY LEGAL DOCUMENT TRYING TO DISPUTE WITH EQUIFAX FOR A WHOLE YEAR. IM NOT UNDERSTANDING HOW IS EQUIFAX VERIFYING THE INFORMATION AND YOU NEVER SENT ME NOTHING IN WRITING. I NEED HELP TO INVESTIGATE MY SIGNATURE AND ADDRESS ECT. THIS IS NOT ME. I NEVER HAD THIS ACCOUNT XXXX XXXX XXXX THE ACCOUNT # XXXX. MY IDENTITY WAS STOLEN WHEN MY PURSE WAS SNATCH YEARS AGO. IM IN XXXX WHERE ITS KIND OF RUFF AND DANGEROUS WHERE ANYTHING COULD HAPPEN.
Product: Debt collection

In XX/XX/XXXX, I contacted XXXX XXXX to have my services transferred to anew address. Around the XX/XX/XXXX, I moved. Unknown to me, my services were never transferred and the internet I was using at my new address belonged to the previous tenant. After an outage, I called and was informed that due to an error on their end, my services were never transferred. After further communication, my services were transferred to my new address. Towards the end of XXXX, I was contacted by a collection agency about a balance owed to XXXX for {$56.00} for services at my previous address. To my knowledge, I shouldn't have a balance and the services and balance from my old address were transferred to my new address. I was told that XXXX, instead, cancelled services at my old address and started new services at my current address. I never received notice of this and have always paid my bill under the assumptions that I have the same account. The collection agency I spoke with at the time said that they would enter a dispute. Today, I was contacted by Waypoint Resource Group, a collection agency, about this same XXXX account. The account was transferred to them on XX/XX/XXXX, and the balance is now {$71.00} due to a {$14.00} fee that XXXX charges.I explained the situation to the new collector and they too have offered to enter the dispute with XXXX. They did inform me that I would receive no communication on the results of the dispute and if my dispute is deemed unsubstantiated, they will resume collection activity and report this account to the credit bureaus within 45 days. I do not understand why I was never notified that the transfer of service never took place and that I owed a balance, if this is even true. What's even more bizarre is that I currently have an active account with XXXX XXXX that is in good standing.
Product: Credit card or prepaid card

I am trying to add money but Serve will not let me. Their fraud department has to resolve the issue and during the Covid pandemic it takes more than 3 hours to get a person on the phone. 
I called 2 times on XX/XX/2019 I called 1 time on XX/XX/2019 I called 5+ times XX/XX/2019 ( I spent 3+ hours first call, 3+ hours second call ) They did not resolve the issue. Every time I add a new card this happen even though they have already verified my new debit card source of funds by sending transactions to the debit card being and I verified them successfully the serve card never loads and the people that work there are unable to resolve it without calling a multiple number of times. Now with multiple hours on hold each time.
Product: Credit reporting

On XXXX XXXX I checked my credit report and all of the inquires were deleted and i checked my credit report today and my score went down.
Product: Credit reporting or other personal consumer reports

The following companies made hard credit inquiries that were supposed to be soft pulls. I have contacted them numerous times asking them to remove them, and they stated that they would. Unfortunately, they still show on the credit bureaus. They have affected my credit by removing XXXX points per inquiry. 

Institution Information XXXX XXXXXXXX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Miscellaneous ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized actions taken by XXXX XXXX in relation to my business account. My name is XXXX XXXX XXXX XXXX XXXX, and I am the sole proprietor of XXXX XXXX XXXX, which is a limited partner with XXXX XXXX XXXX I recently discovered that XXXXXXXX XXXX had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX. Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. Considering these circumstances, I have sought legal counsel and have retained the services of Attorney XXXX XXXX to address this matter. I am hereby requesting that XXXX XXXX rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items were being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reporting a fradulent inquiry found in my credit report.I want to disputed. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company ( North Star Location services ) is contacting myself and my wife to collect a debt from / locate a family member whose debt it actually is.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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