23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Somebody stole my credit card identity information and made XXXX purchases in a supermarket named XXXX for {$510.00} between XXXX and XXXX. There were other XXXX charges in other locations for {$400.00}. I have never been in any of these merchant locations, actually, I had to XXXX it because I did n't have any idea who it was when I read its name in the charge description. I disputed all charges when I received a text message from Bank of America on XXXX asking my approval for XXXX of those charges. Actually, I was sleeping at the moment I received the text message because I work during night shift. I swiftly replied " NO '', the credit card was immediately blocked, and I went to XXXX of the branches to report all these XXXX fraudulent charges, and requested a new credit card with a different account number. 
XXXX sent a receipt of XXXX of the XXXX charges ( {$220.00} ) to Bank of America that was signed electronically ( it does n't show my handwritten signature ), and the bank asked me a valid credit slip showing that the merchant intended to issue credit to my account. I explained the bank all the facts and impossibility of obtaining such receipt, the bank invalidated my dispute recharging me that amount. 
It draws my attention this merchant presented a receipt for {$220.00} charge only, and did n't rejected the other XXXX disputes ( {$250.00} and {$29.00} ). 
What is more disappointing is that Bank of America honors this kind of fraudulent actions despite I rejected this charge since the very beginning and make me waste my valuable time. Now, I have to go to the merchant place and if I can not get the credit from them, I have hire a lawyer to dispute this charge.
Product: Payday loan, title loan, or personal loan

XXXX {$670.00} The company said I was approved for $ XXXX.Inbox loans took all my info down and said I had to fill out the agreement which I did.Every time I try to get the loan the loan officer kept saying he needs more info.I gave him all my info he needed and still he won't process the loan.I called them on the XX/XX/20 no answer ; XX/XX/20 no answer ; and today XX/XX/20 ask again, they hung up on me.Only when I said i would report them.I did not receive any money from them.I contacted my bank to make sure they do not take any money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not make statements of wrongful reports by PennyMac to transunion about severe delinquency due to COVID 19 DISASTER LOSS. PennyMac is in default. I am currently and have been in the past on COVID Relief not delinquent.
Product: Checking or savings account

I have a Total Checking account with Chase Bank. I was recently paid for a settlement Ive been dealing with for the past XXXX XXXX years. Deposited the settlement check on XX/XX/year> via ATM. Waited the 7 business day hold period, and the day of. Chase tells me, they are still Verifying my payment. After 7 whole business days? Unacceptable. Ive reached out to the company to make them aware of the situation, and they have been expecting the call from Chase for 2 days, and XXXX. Has Chase reached out to anyone regarding this matter. Basically, my money is POSTED in my account in the amount of {$23000.00}. But Chase has restricted my account for absolutely no reason at all. There has to be some type of guidelines here, Ive done my part. Now the bank isnt required to uphold their end of the bargain?
Product: Credit reporting, credit repair services, or other personal consumer reports

These are accounts are incomplete and can not be verified on Equifax, please delete. 

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

Experian has been consistenly reporting false and damaging info on my report. I have tried to resolve my complaints the right way by sending them letters outlining the info that is false and nothing. I sent them letters in XXXX, XXXX, and XXXX of 2022 and they keep sending me the same XXXX responses. I have spent the past year educating myself about these XXXX and I have had it. Iwant my personal information updated and these negative accounts deleted or I have gathered enough of their nonsense responses to file suit. Let 's save ourselves some time no I am not working with anyone, I've sent them proof of my identity already several times and the letters I sent are available to ANYONE with the use of something called the internet. I told them to validate their methods and give descriptions of their methods to validate. They have not and they violated the FCRA by not doing so and they know it
Product: Credit card or prepaid card

I disputed a charge from a hotel ( XXXX XXXX {$160.00} ). I had reserved the hotel and cancelled it. I have a copy of the cancelation email. I was billed as a no show. 

I disputed the charge with Bank of American. They sent me a letter dated XXXX asking for documents by XX/XX/XXXX. The letter was postmarked on Friday XX/XX/11. Why was it not mailed for XXXX business days. 

The letter arrived to me on Wednesday XX/XX/XXXX. XXXX business days before the deadline! XXXX week after the letter was dated! XXXX business day after it was mailed. I responded on XX/XX/XXXX and mailed the documents on XX/XX/XXXX. Unfortunately, the mail service was not able to deliver it back in XXXX day! 

BOA rejected my claim saying they never received by the requested date. 

I called BOA last week who agreed that the timeline was unreasonable, and they will reopen my claim and look for the info I sent. She said if they needed anything else they would let me know. 

Now I have another letter saying this closed the claim and rejected it as I did not respond! Today and yesterday, I was bounced around between multiple departments ( XXXX or XXXX - XXXX lost count ) who all hear my story and then tell me I must talk to someone else. Finally, I talked to someone else who said they never received anything from me! And I must fax my info in. They do not except email and scanned documents. Seriously! Now I must find someone who can do a fax for me ( what will this cost? ) and hope that they will reopen the case. Also, I was told I will be charged late fees and interest on the disputed amount!!!!!!! 

I believe that BOA is throwing up as many roadblocks as possible to frustrate me so badly that I will not pursue the chargeback.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit card and notice I have fraud in account on my report. Please remove these accounts and report. They are hurt my ability to obtain credit
Product: Debt collection

Sacor Financial XXXX Inc has taken over the debt that I owed to a credit card. They take {$300.00} from my bank account on a monthly basis. I have asked if there is interest and do not get clear information. I have asked for a statement and was told that is not there practice. They only send me a reminder letter on a monthly basis reminding me they are withdrawing {$300.00} from my bank account. I have asked how I can keep track of the balance re : my payments and interest. They informed me they are under no obligation to do this and it is not their practice. They are not " set up to do that. I have called and emailed numerous times and XXXX XXXX XXXX - the only person who can help me is always out of the office. I have not actually spoken to him in XXXX months. I am not disputing that I owe money - I am asking for verification as to my balance on a monthly basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is proof of this account being delete please follow suit and delete this account as well i formally request that the following inaccurate item be immediately remove from my credit report they must be removed in order to show my true credit history as this item should not be on my credit report. HERE IS A COPY OF XXXX UPDATED CREDIT REPORT DATED XXXX XXXX 2017 THEIR FINDINGS AND PROOF OF THEIR REMOVAL OF THIS ITEM PURSUANT TO THE FAIR CREDIT REPORTING ACT I EXPECT YOU TO COMPLETE THE REMOVAL WITH 30 DAYS please send me my updated report as soon as your investigation is complete thanks in advance XXXX XXXX
Product: Debt collection

I received a notice of collection related to a debt allegedly owed to XXXX, where I do not have and have never had an account. The notice was from Allied International Credit Corp., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The amount claimed was {$940.00}. Although the notice looks genuine, I 'm sure this is attempted fraud and so I am reporting it
Product: Debt collection

XXXX XXXX  XX/XX/XXXX  contacted me and I asked them to validate a debt that was in reference to the letter they sent. XX/XX/XXXX  they sent this : Dear ( my name ) : We received your recent letter disputing the accuracy of the above-referenced account. We have not had sufficient time to complete our investigation of the inaccuracy. On our completion Of the investigation, we will inform you of whether our information was accurate or inaccurate. 
At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. 
XX/XX/XXXX XXXXXXXX XXXX  sent Dear ( my name ) We received your dispute regarding the validity of the above-referenced accounts ). Enclosed is the verification of debt we obtained from the current creditor, XXXX XXXX XXXX. The verification is labeled " statement of account '' and sets forth the outstanding balance for services rendered by the medical provider stated above. The outstanding balance is the obligation of the responsible party for the accounts ). 
The medical provider sold the accounts ) to XXXX XXXX XXXX and removed the balance from its records. An itemization of medical services we obtained from the medical provider is also enclosed as a courtesy, which reflects a balance of {$0.00} because the medical provider sold the accounts ). The balance that was purchased by XXXX XXXX XXXX is the obligation of the responsible party for the account ( s ). 
I then received a letter from Capio partner in XX/XX/XXXX saying i owe the same debt and it needs to be paid by XX/XX/XXXX XXXX XXXX I was never notified anytime before XXXX  about this debt. All the people whos contacting me show the same address but different numbers and different address. I have an itemized bill from a company I never had services with but it stated that I had XXXX XXXX insurance. I believe this is a fraudulent company collecting my information and using it to collect money. 

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 Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Debt collection

I am concerned about the accuracy and effectiveness of your bureau 's investigation process, as the fraudulent accounts persist despite the documentation I have provided. I am writing to formally dispute and request the removal of fraudulent accounts currently appearing on my credit report. I have previously reported these accounts as fraudulent, but they persist on my credit report, causing significant damage to my creditworthiness. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite these efforts, the fraudulent accounts continue to be reflected on my credit report, impacting my ability to secure credit and causing undue stress. I request that you conduct a thorough and comprehensive investigation into the presence of these fraudulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act 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 HAS VIOLATED MY RIGHTS, 15 U.S.C 1681 section 602 states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions misleading inaccurant accounts holding me back in life i been consistent with my certified mail goin on a year for future court records please some one -.please respect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXX XXXX XXXXXXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX since my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for you.
Product: Vehicle loan or lease

Hello, I made my payment on my car on XX/XX/XXXX at 60 days past due at XXXX. They wrongfully repossessed my car XX/XX/XXXX at XXXX. Normally if a customer pays and its out for repo, the repo is placed on hold, and if they had a payment cut off time, Id imagine it would be close to towards the end of their business day not close to lunch hours. I did not receive any letter in the mail regarding status of account. They have all of my contact information.I am 30 days past due as of today.
Product: Checking or savings account

I have not received any communication regarding the XXXX charges that I did not make. The dispute was closed, with no written explanation.
Product: Debt collection

XX/XX/year> is the last request made for this account to verify the amount that they are attempting to collect. This has been disputed with the credit bureaus as well as the 3rd party collection company.

The credit limit is {$300.00} the balance shows {$220.00} however the collectors are sending a request for XXXX
Product: Debt collection

Conns Appliances and furnishings, have called me REPEATEDLY since XX/XX/19, over 20 times all day everyday, while at work and when I'm off from about XXXX to XXXX or XXXX ... My payments are due ea. Month on the  XXXX ... I have paid on time for almost 2yrs. Straight ... wasn't able to pay on time this month ... and they have really been unprofessional and HOUND DOGS. TOTALLY HARRASSMENT AT ITS BEST ... I advices the conns rep on XX/XX/19.. I will make payment the last week in XX/XX/XXXX ... She demanded I set up a payment arrangement and {$25.00} late fee will added ... I will continue to pay my XXXX off.. But will Never GIVE CONNS MY BUSINESS AGAIN ... There is absolutely no reason To Harass a good paying customer this way ... When they are not accomplishing anything ... and TOO incompetent to leave a message ... Conns continues to call XXXX XXXX. Please Assist with POOR BUSINESS PRACTICE and incompetent personal.
Product: Student loan

Earlier I submitted a first complaint ( #  XXXX   ) aft er the response from the company ( navient ) I called them yet was given another run around. First person I spoke to appeared to be very nice and told me that the payment of {$280.00} is available for extended repayment. However, I can talk to another department and they  may l ower it even further. He transferred me and appeared that they had no idea what I was talking about nor willing to do anything at all they even refused to grant that {$280.00} payment. Then I was turned over to another person who told me to call in before the payment is due. Also I was looking through a credit report and the last I was talking to  Navient, they promised to take the delinquency off the credit report if my payment will be met, ( which it was ), however th e delinquency is still on it. Another lie and run around from navient.
Product: Debt collection

I am filing this complaint against OPP LoansXXXX XXXX due to multiple discrepancies in the information they are reporting on my credit report. They are reporting the account as a collection with a past due balance, and the payment history they are showing is completely erroneous and makes no mathematical sense. I have asked the credit bureaus for many months to validate this debt, but OPP LoansXXXX XXXX has not provided any proof that this debt is mine. This inaccurate reporting is severely affecting my ability to purchase a home for my family. I request that these errors be thoroughly investigated and corrected or removed from my credit report immediately.
Product: Credit card or prepaid card

I have talked with the company several times about charging fees for an amount I disputed to a vendor in XXXX. They did not honor my request to not pay this vendor, and I refused to pay them. I ended up paying the vendor, but since I was also filing a complaint with the XXXX XXXX XXXX, I wanted to wait to find out if they were doing anything on their end. Meanwhile, the credit card company ( Capitol One ) kept charging me fees and interest. I talked with them yesterday, and after being put on hold several times and ending up with a foreigner who I couldn't understand, was told I would have to pay the fees. I feel that it is unfair that I should be charged fees when I was not served by the company in trying to keep from paying the vendor, who was negligent in their service.
Product: Debt collection

I was sent a text message from a place saying that I owe money on a parking ticket from 7 years XXXX, Municipal Collection Services has business of yours in its office. To make a payment please visit us at https : //www.mcsipayments.com using account number XXXX or for additional information please call XXXX for assistance. To opt out text STOP I call the number ( XXXX ) and a woman stated that I owe {$330.00} for a ticket from an area I never visited. After doing some research, I found that the number that texted my phone was " XXXX '' led to a website for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Company XXXX  XXXX XXXX AUTHORIZED FOR { Passenger, Property, XXXX  } : This will list the specific this company. 
Please advise. 
Thank you, XXXX XXXX.
Product: Debt collection

I take this quite seriously! You are hurting my credit score! As a customer, you are causing me XXXX I am unaware of the purpose of this account. I have never signed any agreements with this company.
Product: Checking or savings account

Chime is holding onto my fund of {$1300.00} and continues to ignore my emails. 

On XX/XX/, had XXXX XXXX direct deposit {$1300.00} to my account with Chime. 

The {$1300.00} never reflected to my account balance on Chime. 

XXXX XXXX confirmed they have not received the funds back and that they sent the funds. 

I have tried several times ( at least 4 times ) to contact Chime regarding this issue, but they always give me a " cut and paste '' type of reply which is asking if I still need help with this issue. To I say " yes, I still need my money back '' but never hear back. 

I would just like my {$1300.00} returned.
Product: Credit reporting or other personal consumer reports

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 The car dealership without my consent run my credit to a lot of lender even though I have my auto loan application approved he still did it without my permission. Id like these inquiries on my credit report to be removed.
Product: Credit reporting

I supplied XXXX with a police report showing people were applying for credit under my name. XXXX has refused to remove the fraudulent inquiries.
Product: Debt collection

I have no knowledge of these collection accounts and I didnt authorize nor sign any documents and its messing my credit report up and I cant get approved for credit I have a great payment history never late and I ask it be removed per fair credit act the dates arent recognizable and the amounts dont match up to anything I would apply for please show me proof with my signature on or please remove off my credit report either show proof or I would contact my attorney and file a lawsuit against you for false information on my credit report I take no responsibility for any of these collections account on my report