23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently summited an identity theft report of unknown inquiries im concern the person using my personal information keeps applying for things. I received a new inquiry. Please set a fraud alert on my bureau report. 
Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a promotional offer from Chase XXXX XXXX Credit Card to receive 5 certificates, each worth XXXX points and good for 1 nights hotel room, upon acceptance, meeting the spending requirements and paying annual fee. Applying online, there was not a place to input promotional code ( XXXX ), so I called Chase to see what to do. I was told to fill out application and the offer would be picked up by my name. No worries! 

I applied, received my card, spent the required amount in the specified time period, paid the annual fee, and then only received 3 certificates. I contacted both Chase and Marriott several times, XXXX XXXX, XXXX. XXXX and XXXX, XXXX. XXXX and XXXX, and XX/XX/XXXX. Each time I was told they would check on it. After I sent them a copy of the offer and was told I did not qualify, I finally contacted XXXX XXXX, Chase PR Manager in XXXX, Ohio. The response I received was that I did not qualify without any explanation. With a credit score of over XXXX, I can not imagine what the qualifications must be. I feel that if you are offered a promotion and you do not qualify, you should be notified so that you may decide whether to accept the card with a lesser benefit. It appears that Chase is deceptively using a promotional offer to get new customers and not fulfilling their offer. If one does not qualify, I feel the applicant should be notified and told what the qualification was and why the applicant did not meet that. Finding out you would not receive the offer after paying the fee and using the card seems fraudulent, deceptive and unethical. As XXXX year Chase customers, their promotional practices are disappointing.
Product: Debt collection

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. 
In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Section 809 ( 8 ), the Consumer is requesting verification from you ( FDCPA ). 
In addition, the preceding customer REQUIRES the items listed below : COLLECTION PROFESSIONA ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/2023 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit card or prepaid card

I enclose a copy of the letter sent and evidence that Discover received it, a copy of the police report, a copy of the FTC identity theft report, the account balance is {$9100.00}, it does not belong to me, I asked the credit bureaus to investigate the information and correct it, but their answers are that they notify the information that Discover submits to them, Discover alleges that their investigation concludes that it belongs to me but they refuse to send me a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to address fraudulent activity submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry XXXX out of thin air ). 

The information reported to the credit bureaus is fraudulent as I have rescinded my signature from the original application due to fraudulent activity. 

The letter to XXXX was a signed affidavit. Attached is an unsigned copy as reference. 
XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result I no longer have an authorized account with XXXXXXXX XXXX. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.
Product: Credit reporting, credit repair services, 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 account : # XXXX has violated my rights. Under 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Accounts : XXXX XXXX XXXX XXXX XXXX  Closed Accounts : XXXX  XXXX # XXXX  UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I signed up for moneylion because they were offering a {$500.00} credit line and credit building tools, but when I signed up for an account and linked my bank account the site indicated that I only had a {$100.00} credit line and needed to pay back the full {$500.00} to have access to that amount of credit. I've been paying on it for months and when I attempt to cancel the {$19.00} membership and close the account it pops up a message saying to try back in a few days and sends me to a phone line that never picks up.
Product: Checking or savings account

Chase allowed 9 disputes from a fraudulent caller to all my bills car insurance, electric water and other bills. I never received a verification to those disputes until the 9th one. Fraud held that acct open for investigation and set up 3 step authentication. Opened a new acct and they allowed another dispute of XX/XX/year> to be be pulled from my new account. I would never file a dispute of charges during an investigation on my old account after being hacked and hacked in new account that I only paid 2 bills. All my bills were caught up. I called fraud and customer service they refuse to understand nor accept fault. I must also state that not one in my several calls amd 14 transfers ever did they 3 step authentication per agreement, I want that charge removed from my new account and this dispute completed. Chase must take full blame for zero protection. I have filed with all irs, social security Fraud department Identity theft and will have police report, if this is not Handled with professionalism. I have banked with chase for 30 plus years. I am living on XXXX and this has caused me way to much stress. Thank you for any assistance to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. These inaccuracies are negatively affecting my credit report. Despite my submissions, Equifax consistently responds in less than XXXX hours stating that the account is accurate and not providing me any evidence of a thorough investigation. I have submitted numerous complaints previously. From my understanding, this practice violates the Fair Credit Reporting Act 15 USC-1681i which mandates a reasonable investigation of disputes. Also, if any comments on my Equifax states that the accounts was previously disputed but resolved. Despite this, inaccuracies persist in the reported information, indicating that the data furnisher ( listed below ) did not properly investigate the dispute. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 USC-5536 ( a ) ( 1 ) ( a ) ( b ) as highlighted in the CFPB 's XXXX administrative proceeding File N. XXXX against them for similar violations. 

They have also violated my rights under : 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 

I request that the CFPB take immediate action to ensure that XXXX complies with the necessary proof of investigation. Thank you. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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

XXXXXXXX XXXX XXXXXXXX XXXX Georgia ... XXXX... I have previously disputed XXXXXXXX XXXX XXXXXXXX Georgia XXXX XXXX XX/XX/2015 with the credit bureaus an their response you verified the item as accurate stating that the credit bureaus verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA and the information on my credit report must be deleted immediately
Product: Checking or savings account

I do Not Have OverDraft Protection and there are 3 Withdrawals.

I received Chase 's Letter that Cath match {$23.00} IS PERMANENT ( Chase letter attached ) and there is a withdrawal when I DO NOT HAVE OVERDRAFT PROTECTION. See attached near bottom-No Overdraft Protection. 

And I only at at XXXX twice but there are 7 charges for {$6.00} some more than once a day. {$6.00} X 5 is {$32.00}. 
{$23.00} {$32.00}. 
is {$56.00} {$280.00} XXXX XXXX {$49.00} XXXX {$12.00} Bank Fee Increased ALTHOUGH NO OVERDRAFT PROTECTION {$5.00} Lot XXXX XX/XX/20 {$37.00} is Not mine-There is a Withdrawal slip Not in my writing. 
Total : {$400.00} Credit due Me.
Product: Credit card or prepaid card

I am writing this complaint to report an authorized charge that was re-billed to my account. 

I had two unauthorized charges for the same amount ( {$98.00} for each ) placed on my Chase Freedom Unlimited credit card ( credit card XXXX ) on XXXX XXXX, 2020 ( See Appendix # 1, see also Appendix # 3 ). I noticed these two unauthorized charges on XXXX XXXX, 2020, and I immediately called the Bank to report these two unauthorized charges ( See Appendix # 2 ). The representative who answered the phone told me that the two charges were placed in person in XXXX XXXX, Kansas, where I have never been there. I said to them I've never been there, and these charges were reversed ( See Appendix # 1, see also Appendix # 3 ). The Bank shipped a new card to me in order to avoid further fraudulent activities. I was satisfied with the resolution at that time. 

However, on XXXX XXXX, 2020, I noticed the two unauthorized charges for these two fraudulent activities were re-billed on my statement ( See Appendix # 1, see also Appendix # 4 ). I am confused about why this happened, and I called on next Monday ( XXXX XXXX, 2020 ) ( See Appendix # 2 ). However, the Bank told me that their " fraudulent investigation team '' was not there, and they said they would give me a callback, which I never received. I am unsatisfied with their resolution because I reported the two unauthorized charges, and it should not be re-billed.
Product: Debt collection

They keep calling me and emailing me about a debt I never ever heard about before. Calling me from fake numbers every other day
Product: Money transfer, virtual currency, or money service

I did a moneygram transfer to my relative because she needed money moneygram rejected it they took it from my account in seconds, and said it will take 10 days to return it they are holding my money and earning interest on my money and I need my money back they can take it in seconds but not return it immediately. Thats not right and not fair.
Product: Credit card or prepaid card

I had a refund returned to my card, since XXXX does n't refund back to XXXX. The cashier told me to swipe any card. I swiped my PNC smart access card. A few days later my account was closed, I called a week later ( when I realized ) the rep told me I was contacted to send proof of purchase. Nope, there was no contact from the bank. I later on, took it upon my self to send in the fax and find the number and everything to resolve the issues. I have send the proof of purchase. And still no resolution. I 've called them every other day saying the same thing, no ipdate, we did n't receive the fax, call back again. I 'm now convinced nothing is going to get resolved. Please help. PNC is the worst bank ever.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my personal information was exposed in a national data breach, and after reviewing my credit report, I noticed several unfamiliar accounts that I do not recognize. I have contacted the credit reporting agencies ( CRA ) to request validation of these debts ; however, I have not received the necessary information due to the exposure of my personal data during the breach. As a result, I have filed a complaint with the Federal Trade Commission ( FTC ) to report the unauthorized accounts and potential identity theft. I have included several supporting documents with this communication, including the FTC complaint, a copy of my ID, my Social Security card, a XXXX XXXX XXXX XXXX XXXX XXXX report showing my information was exposed, and the debt validation letter. I am taking steps to resolve this issue and protect my identity, and I would appreciate your assistance in verifying these accounts and ensuring that any fraudulent activity is removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a joint account please correct both consumers credit reports in which both are inaccurately reporting. I and joint applicant have been having a ongoing issue with the inaccurate reporting of XXXX XXXX on our credit report. To be specific XXXX and Equifax records an inaccurate derogatory account rating on a {$0.00} balance owed account and does not coincide with XXXX account rating recorded as Paid. Equifax have been also notified numerous of times to correct its recording of an Open Account, Equifax is the only credit bureau that actively reports this account monthly as Open in the payment history. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. 

Please Help! 

XXXX, XXXX, and Equifax have been notified of these errors that have yet to be corrected. I have enclosed documentation and my authorization to investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from XXXX, XXXX, and XXXX through annual credit reports. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me I did not apply for a home on XX/XX/XXXX. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. Please send me a letter stating that you did so feel free to upload it XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I received an email from the debt collector on XX/XX/XXXXXXXX  stating I owed {$1200.00} from an account with XXXX XXXX XXXX. I have never had an account with that bank. I believe the only reason why I received the email is because my email address is a simple first name-last name address. 
On XXXX XXXX, XXXX  I mailed a certified letter to the company disputing the charge and stating that they have confused me with another person. I asked to only be contacted via mail and for them to send information on why they think I am the person who owes the debt. I received a letter from the company, dated XX/XX/XXXX XXXX, that included an " account summary which provides verification of debt. '' The summary was a copy of a XXXX  XXXX statement with the person 's name and address. The person has the same first and last name as me but the address is a street in a town where I have never lived. A simple XXXX search of the name and address brings up more information about this person, who is not me, and does not match my residential, employer, or credit report history, and they have a different middle initial. 
As a result of the dispute letter I sent, the debt collector now knows my mailing address which they did not have before. They sent another letter to me about the debt, dated XX/XX/XXXX, stating " Your account was placed in our prelegal collection track on XX/XX/XXXX and remains unresolved with a balance of {$1200.00}. The account will soon be reviewed for further action and may be forwarded to an attorney to review for a possible lawsuit. '' They also emailed me again on XX/XX/XXXX about the debt. 
This is a case of mistaken identity but the debt collector seems to only have an agenda of harassment and most likely eventually suing hoping I do not show up to defend myself.
Product: Credit reporting or other personal consumer reports

Checked my credit report an had inquiries on there that i did not make
Product: Credit card

I went to the XXXX XXXX today at XXXX to listen to. XXXX minute presentation on their club. I arrived at XXXX and didn't leave until after XXXX. I was not happy about that at all. It is a lot longer than XXXX minutes. A gentleman named XXXX helped me. He was very very nice. I told him from the start that I didn't want to buy today I just wanted to find out about their program to see if this is something I maybe interested in. He knew from the start that I didn't want to buy today. After listening to the presentation I did in fact like what I heard and very interested in buying just not today. He told me that he under stood and that I needed to sign fill out some papers on his XXXX to let his boss know that he basically told me everything that he was trained and suppose too. I told him that was fine. And that I didn't have a problem with that. He asked for my driver 's license and social security number. I entered that information into the XXXX. Then he had me sign it. His boss came to the table pressuring me to buy. I told him I was very interested but I was not going to buy today. After his boss tried to get me to buy several times he sent me to the last desk so I can fill out a survey on how XXXX did. When I got to the table it was not a survey about XXXX. The man asked me 1 maybe 2 questions about him and then the rest of the time he was trying to sell me something. I told him no that I did not want it. He was not taking no for an answer. After I felt like I had to explain why to him several times I finally told him because I don't want too. Then he told me I would be getting my credit card in the mail. I told him I didn't sign up for a credit card. He told me that I in fact did. I had no idea at all that he signed me up for a credit card. I would have declined. He never not once asked me if I wanted a credit card. I checked credit karma and they indeed signed me up for a credit card. The last man who had let me know they signed me up for the card could care less. He just was not very nice or helpful at all. And he threw his hands up and said that had nothing to do with me and sent me to the elevator and left.