23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have opened a dispute with Chase Business Credit Card twice now and been denied both times. The merchant continues to send false information that they deem valid even though I have provided information to support that the XXXX XXXX XXXX XXXX  did not provide the services paid for. 

Purchase {$3500.00} - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX billboards and ad A contract was never signed through XXXX. And when trying to open the one sent initially it now says voided and I can not access it. 

I was told that I would receive a refund if I change my mind and have received many messages that they are working on the refund and not to worry. 

When asking for a refund and disputing these concerns with the company they sent false documents that do not even make sense. In fact, they have my husbands initials and signature were on the form and he was never even involved in this conversation or phone call. It was for XXXX XXXX. His initials and signatures have been forged. Furthermore, they sent a XXXX  with his name saying he is a XXXX XXXX I have attached a picture of the billboard they said they would create for that would be used. My husband is not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet they have sent these images for my husband. 

XXXX XXXX, who I was initially working with is no longer with the company and I can not get a response through email or phone. 

XXXX XXXX, XXXX XXXX XXXX continues to assure me that refunds are being processed. And if it isnt the credit card company will take care of it. He also says he is talking with the financial department. I have tried countless times to get in touch with them to move forward on the refund.

I have tried to reopen the XXXX that was initially sent but can not as they have been voided by XXXX and therefore I can not access the link. I have no history of receiving a signed document, only documents sent to me to sign, which I never did. 

In the meantime, I have been in contact with several others who have been scammed by this company. They really need to be stopped. 

When disputing these charges they then sent new billboard images with my name and company. And even though they were supposed to do one billboard, they sent pictures of countless billboards and kiosks with my information to try to prove themselves and therefore the credit card company refused the dispute.
Product: Debt collection

I reported fraudulent activity on my Capital One account multiple times, which resulted in an outstanding balance of {$1600.00}. Despite my efforts, Capital One disregarded my claims and subsequently hired XXXX XXXX XXXX XXXX to collect the debt. To avoid any derogatory remarks on my credit report for an issue that was not my fault, I agreed to pay {$900.00} as part of a settlement agreement. Under this agreement, XXXX XXXX XXXX XXXX assured me that the accunt would be marked as settled and that no information about the account would be reported to any credit reporting agency. 

However, in breach of this agreement, the negative account was still reported to the credit reporting agencies, XXXX, XXXX, and XXXX. When I contacted XXXX XXXX XXXX XXXX about this issue, I was referred back to Capital One. Upon contacting Capital One, they redirected me back to XXXX XXXX XXXX XXXX. Both companies have failed to take responsibility or resolve this matter, leaving me without recourse and with unwarranted damage to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and express my deep concern regarding the continuous reporting of inaccurate addresses and fraudulent inquiries on my credit report. I have previously brought these issues to your attention, but despite my previous efforts, these inaccuracies persist. I kindly request your immediate attention and resolution of the matter. I have noticed that my credit report includes multiple inaccurate addresses that I have never resided at or had any association with. These inaccuracies raise concerns about the integrity and accuracy of my credit report. I request that these inaccurate addresses be removed from my credit report as they do not accurately reflect my residential history. The presence of these addresses on my report may potentially impact my creditworthiness and cause confusion for potential creditors. I have identified inquiries made by companies or institutions that I have not authorized or initiated. These inquiries are fraudulent and unauthorized. They raise concerns about potential identity theft or fraudulent credit applications in my name. I request that these fraudulent inquiries be promptly removed from my credit report to prevent any further damage to my creditworthiness and to protect against potential identity theft. 

I have previously provided documentation supporting my claims and have not received a satisfactory resolution. I trust that your bureau will address these issues promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). The continuous reporting of these inaccuracies and fraudulent activities seriously jeopardizes my credit profile and financial security. 

Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated and accurate credit report once the necessary corrections have been made. The following items are such in inaccuracies that are needs to be removed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX.
Product: Credit card

Today, I went to my mailbox with a credit card in my name with a {$700.00} credit limit. I immediately called the company and told them I did not request or apply for this card. I asked them to close the account immediately. While I was on the phone, I checked and saw that they made an unauthorized credit inquiry. I asked them to undo it. They were unhelpful and let me know that they would send me a letter in 60 days letting me know how to contest this. That is all they would do. I do now know how they have gotten my information, but this is a scam. There was not even a customer service number or website address with the credit card I received. I do not want this credit card. I did not authorize it and I want them to close everything about me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I moved in XX/XX/XXXX XXXX miss read broken meter. This was disputed and resolved with my credit reports and razor capital. Send them documentation XX/XX/XXXX. Now XXXX is trying to collect with a false statement. ( Bill ) No payment was ever made on this account - no proof of payment has even been made. like I said i did not reside at this address for 5 years. with wahat the payment was made?? proof Check or credit card and the account number that it was paid from? This is a fake bill and they are illegally try to collect on a debt that is no longer even valid by sending a fake bill.
Product: Checking or savings account

Dear Sir, Citizens Bank did not answer to my previous complaints to CFPB for missing check clearance records, transactions and various transactions in my check-in account. Also, Citizens Bank response is highly unsatisfactory for missing check clearance records and my previous complaints to CFPB against Citizens Bank. Hence, I would like to proceed with next step of proceedings on various missing checks, clearance records and bank transactions. I need a official monthly paper statement of my Check-in account for last eight months [ XX/XX/2018 to XX/XX/2018 ]. Could CFPB kindly direct Citizens bank to send me the official monthly paper statement of my Check-in account for last 8 months [ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/2018 ]. All the official monthly statements ( for last 8 month ) with Citizens Bank covering letter should be mailed to my address at the earliest.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite sending letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. CHAPTERXXXXBANKRUPCTYDISCHARGED XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$1500.00} XXXX {$3300.00} XXXX XXXX {$860.00} XXXX   XXXX {$710.00} XXXX   XXXX {$1500.00} US DEPT ED XXXX {$6300.00} USDOE XXXX XXXX {$49000.00} USDOE XXXX XXXX {$3700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1700.00}
Product: Credit card

I sent in power of attorney and tender letter of payment with instructions for the performance of the principals account. Fed sec code XXXX and XXXX are being violated. The company ignored my request to use security funds for performance on the account. Account XXXX XXXXXXXX. 
The attached letter is blank but the one sent to the company has their name and account number on it.
Product: Debt collection

I have been making payments toward this debt for over a year. This debt collector adds interest to my account weekly, reports it to my credit weekly. Essentially, this debt can never be paid off, because everytime I make a payment, they add " interest '' to the account in the amount of the debt. I have paid over XXXX toward the XXXX debt, but now they are telling me my balance is XXXX. I asked for a copy of my statement showing payments applied as well as the interest applied and I am continually told that they have to talk to a supervisor to see if that's something that they can do. Even with the interest rate they told me of 18 %, it would be impossible for my balance today to be XXXX from an original debt of XXXX with the payments i've made. 

Today, XXXX after leaving several voicemails and then calling and refusing to be sent to voicemail, I spoke with Ms. XXXX. I asked her ( 1 ) for my balance - was advised it is XXXX ( 2 ) for the interest rate - was told it is 18 % ( 3 ) why it is being compounded and reported weekly - was advised she wasn't aware of that ( 4 ) for a copy of my payment history and statement - was advised she'd have to speak to a manager to see if they can provide that. 

She advised she was not able to provide help as to the interest even after I pointed out that this would not allow me to ever pay it off, if the payments are then added back as " interest ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of creditors listed on my credit report that do not belong to me.
Product: Debt collection

Medical debt not owed, visit was covered by my insurance company XX/XX/XXXX Never received notice of collection because this debt doesn't actually exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX  XXXX Balance XXXX {$3200.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$890.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XXXX employee I was directly affected by COVID and struggled to make my mortgage payments so I asked XXXX XXXX about the best option available which would not affect my credit rating. I went into a trial modification period paying a the reduced amount they told me from XXXX 2020. I paid it on-time and in-full. I was told nothing would be reported to credit bureaus during this time. At the end they modified my loan with a government product loan. THEN.months later they reported me 4 months late!! 

I thought the CARES Act protected me? Were laws not implemented that mortgage companies werent allowed to report you negatively if going through one of the programs they offered due to you being affected by COVID?

Ive disputed it with the 3 credit reporting agencies and XXXX, who basically said I should have paid more attention because it was in the fine print and too bad I signed on the dotted line. But I feel hoodwinked. Im not a lawyer. I trusted I was doing the right honest and ethical thing and they were too. 

Now, because of them, I was denied a ParentPlus federal loan for my XXXX college. My credit score is so low I couldnt even get a new cel phone plan. No one will approve me for anything and Im never late with credit card payments or anything! This is the 7th home Ive owned and all been sold/closed in excellent standing. 

XXXX XXXX is a predator. They took advantage of my good faith.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of XXXX with XXXX XXXX XXXX, Account Number XXXX : I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested and wet signature and ID verification. Experian failed to verify accuracy that they are required by law This account is severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly.. If EXPERIAN does not correct immediately within XXXX business days I require {$1000.00} per violation. Including settlement for their data breach which impacted me. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I am disputing a {$140.00} charge from XXXX XXXX, which manages XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I moved out on XX/XX/year>, and had cleaned the apartment thoroughly, addressing walls and surfaces per the leases requirements. The carpet damage referenced was due to my roommates cat, and both the walls and carpet were dirty and worn when I moved in. 

I contacted XXXX XXXX multiple times via email, requesting an itemized list of charges, documentation of damage, and a breakdown of services and they informed me also that they were having trouble with the inspection forms and would get back to me with more information, they never did. Although they acknowledged my inquiries and assured me they would provide information, they failed to follow up and instead referred my account to ProCollect, a debt collection agency.

Since the account was referred to collections, I have contacted ProCollect by phone and email on multiple occasions, specifically on XXXX XXXX, XX/XX/XXXX, and now XX/XX/XXXX. ProCollect directed me to a representative named XXXX XXXX, who has not responded to my emails or provided the requested documentation to validate the debt. I have requested verification in line with the Fair Debt Collection Practices Act, but I continue to receive no response. 

I am filing this complaint as I believe I have been wrongfully sent to collections and have not received sufficient documentation to validate the alleged debt. Despite numerous attempts to resolve this directly with both XXXXXXXX XXXX  and ProCollect, I am unable to get a response, and this situation is causing undue stress and concern over potential damage to my credit.
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. 

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 has violated my rights. Or a list of inquiries : 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

On XX/XX/ 2021, I sent all bureaus a dispute letter regarding my credit report. I believe it was a misuse of my credit report. this is very urgent, and I need them to look at it
Product: Credit reporting or other personal consumer reports

I have disputed through XXXX XXXXXXXX, XXXX. It comes back accurate for this account through portfolio recovery. Account # XXXX Amount {$480.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting XXXX XXXX XXXX to provide documentation and or contract with my signature on this debt and they have not responded. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.
Product: Checking or savings account

I noticed a fraudulent charge on my bank account to XXXX for {$640.00} on XX/XX/year>. I immediately called and filed a claim with Wells Fargo. The charge overdrew my account as well, and I was told I would not need to worry about overdraft fees. 

My claim was denied on XX/XX/year>. When I contacted them today ( XX/XX/year> ) I was told my claim was denied because I had previously used XXXX and I was told to try and get the charge dropped by XXXX. This purchase is not on my XXXX account. It was a purchase made by someone else on another XXXX account using my debit card. Wells Fargo has failed to investigate the claim thoroughly, and now they are not only denying the initial claim, but they have charged me a {$35.00} overdraft fee 5 times ( totaling {$170.00} ).
Product: Debt collection

My mom owes some sort of debt, but I am limited/no contact with her. As of today ( XX/XX/ ), Midland Credit Management has attempted to call every single day since XX/XX/ at times ranging from XXXX to XXXX, but leaves no voicemail. They are equally harassing my brother and my grandmother, who has said they do leave him voicemails saying this is debt attempted to be collected for my mother. The call originates from a new number each time as so that I can not block the caller. I can not get her to pay her debt, and I am not her spouse so I should not be subjected to this harassment.