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

Chase is mishandling two disputes of {$100.00} from XX/XX/2022 for a Provider [ Dentist XXXX XXXX ] that has a history of documented consumer complaints. These charges need to be removed from my Chase Freedom XXXX XXXX XXXX XXXX. There could be possibly be a conflict of interest. I submitted documents to support my dispute but Chase simply held the dispute for some time and disregarded the evidence. The disputes were made because I paid in advance for XXXX but eventually cancelled because after doing more investigation it was determined that he damaged other client 's teeth including my mother 's. The first deposit was placed on the Chase card but the rest was paid with a different card. XXXX has a policy which allows for refunds for services not rendered. In addition I am submitting evidence from XXXX showing that XXXX offered the Provider a refund as long as he issued me a refund. The Provider took advantage of XXXX 's lack of authority as they stated to enforce a refund. I also provided to Chase on prior occasions emails where I asked the Provider for a refund and I informed him of the horrible work he did on my mother 's case but he ignored me.
Product: Money transfer, virtual currency, or money service

I transferred {$770.00} from my ReliaCard from card holder services to my checking account on XXXX it posted to my account on XXXX. It was reversed on XXXX. I contacted ReliaCard and was told I needed to fax my ID in which I did on XXXX. I was told I would receive my money in 5 days and I have been trying to get it refunded since. I keep calling and talking to people and not getting help. I filed a complaint against card holder services. Finally a supervisor call me and said he would help., he told me XXXX XXXX  did the reverse and gave me a tracking number of XXXX and they have to refund my money. I can not get anyone to help me with XXXX XXXX either. I either keep getting transferred or disconnected.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I see some inquiries that I do not recognize. Please remove from these inquiries off of my credit report. XXXX, EQUIFAX, AND XXXX PLEASE REMOVE THE FOLLOWING : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX OF XXXX
Product: Debt collection

This company keep reporting an account that doesn't belong to me. It does belongs to my daughter. I don't have any financial responsibility on these bill. I asked this company to provide me with any proof that I have signed any paper regarding this bill. They didn't provide me with the documentation requested, but still reporting on my credit causing financial distress. This is a clear violation of FCRA.
Product: Credit card or prepaid card

DISCOVERBANK is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. TXXXX XXXX XXXX XXXX XXXX ) is not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( DISCOVERBANK XXXX )
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their 360 high yield interest savings accounts capital one misrepresented the 360 savings account as having one of the highest interest rates yet failed to notify account holders about the superior rates offered by the 360 performance savings account this deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many breaching consumer financial protection act and the truth in savings act I seek redress for the misleading practices and failure to fulfill their advertised promises
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I sent a letter to XXXX XXXX XXXX account # XXXX request that my late payment be removed. They said that they don't do removals. 


In accordance with the fair credit Reporting act XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX an account like this is showing up on my credit and IT IS NOT MINE!
Product: Credit reporting, credit repair services, or other personal consumer reports

All ( 3 ) credit bureaus have been reporting inaccurate information when reporting. I tried to apply for several rental properties and was denied because the credit bureaus was reporting to company, that they could not verify who I was, I had no credit history, or had fraud alerts on my account. I believe that they had a fraud alert on my report for well over 7 yrs, and just now founding out about it in 2023. I was not the one to put the alert on there. I would get letters stating that my information my have been obtained by hackers and the bureaus were monitoring. When applying for apartment rentals, I would submit necessary identification, and would get denied based off not enough credit history. Equifax score is over 600. They would deny it when I would contact them, even I would see copy of the report from the company stating other wise. This would also happen when applying for credit cards so I can try and build my credit, which would cause me to get denied as well. They have me listed as high risk. Their reporting bills that are paid off listed as unsatisfactory, old bills from over 10 yrs ago, are still being reported. I have also disputed accounts, and requested to have them removed, and that has been over 60 days and have not happened yet. I have my bank linked to my bill payments and they have not been updating my credit score even with that, especially XXXX I dont know why they are reporting that I have no credit score when I do. See attached documents. I have a bunch of hard inquiries on my report, and I place the blame solely on the credit bureaus due to the negligence.
Product: Checking or savings account

On XX/XX/2021 someone accessed my checking account thru XXXX and put a payment through of {$260.00} to a XXXX XXXX. I DO NOT KNOW THIS PERSON. I DID NOT MAKE THIS TRANSACTION! I contacted Citibank immediately and told them about this. I filed a claim over the phone with Citibank. Since this was fraud, I thought my money would be put back into my checking account right away. That did not happen. Since that date, I have made numerous calls to Citibank Claim Department telling them I need to have that money returned. I just called again today and asked for a Supervisor. The Supervisor put me on hold and the call was disconnected. They never called me back. I am irate. I NEVER use XXXX to send money! I want the {$260.00} returned to my account immediately! I Will Not continue to wait to get my money back. I had to report to you because I am not getting anywhere with Citibank.
Product: Debt collection

I received correspondence from Bank of America only stating that they are reporting accurately yet unable to furnish the information on how the account was open and a wet signature bearing my name.  This account was a result of identity theft and I have never owned a Bank of America Card.I am attaching my rights as a consumer that they delete and remove per FTC that if an identity theft report is supplied and copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (CRAs). As a furnisher, upon receipt of a consumer’s written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection
Product: Student loan

I had my loans sold to Navient when starting school back in XX/XX/2010. Since then, there has been no assistance with help to make reasonable payment options. Even when you're told you are placed in deferment for school, they place a Forbearance on your account and charge you huge amounts of interest, that negatively affect your credit for the worse. Just recently, I became XXXX and was placed on XXXX XXXX. I could no longer work. I called customer service with help for my options. I was not offered a deferment, when in fact I still have deferment time left ... ... Instead they placed a Forbearance on my account, charged me interest through the roof. Took weeks to email the information I requested about an income repayment, and then my score dropped by 155 points. I feel as though Navient, bullies students into more money. They do no address your issues no help you, it's a scam.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern This complaint is regarding account : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please be aware that any negative mark found on my credit report including XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 

All account Types A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
I demand that this company delete and or update these accounts on my credit report or I will have no choice but to forward this to my litigation attorney.
Product: Credit card or prepaid card

On XX/XX/2022. My Barclay credit cards were abruptly shut off due to what they call a security hold and review. Barclay credit card company is now requesting to review my tax returns. 
My credit score is almost an 800, I have never been late on a payment and always pay my balance before the end of the billing cycle. I have been a card holder for at least 4 to 5 years. I can not get any answers from them. I can not get the paperwork faxed over that they want due to their one fax machine constantly being busy for five days straight no matter what time the fax is sent throughout a 24 hour period. They have all my online access shut down I can not even review my balance. I feel like this is getting done purposely because I am using the card quite often getting a lot of points and they are not making any money off of me extra with their interest rate.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX MORTGAGE XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX
Product: Credit card or prepaid card

Ive applied for a personal line of credit from Wells Fargo, XXXX, XXXX, XXXX. 
With the intent to pay off my credit card debt. 

My plan is to pay off all my cards, close the accounts and pay off the remaining balance of my personal lines of credit. I 've struggled to pay off all of my cards because interests rates are going up. I 've transfered a balance from one credit card to another credit card but dinner than later the interest rates start to give up again and I can never accomplish my goal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the federal CARES Act, if you are receiving an accommodation on your mortgage, such as a forbearance or a repayment plan, and you were not delinquent on your mortgage before COVID-19, your servicer must report your loan as current even if you are not making payments. 

I entered into a mortgage assistance program with the XXXX XXXXXXXX XXXX XXXX due to being out of work during beginning of COVID. I was approved.

3 payments began. Cardinal financial placed me in loss mitigation. 

The first payment of three by XXXX ( mortgage assistance provider ) of {$1900.00} was made on XXXX XXXX XXXX. 
However, I paid {$1900.00} on XXXX XXXX XXXX from my checking account. 

My auto pay was shut off unknown to me at this time and I am responsible for overlooking this. However, prior this time I had XXXX ( zero ) delinquencies. 

The second payment On XXXX XXXX {$1900.00} was paid. Auto pay had been shut off so I did not have a withdraw from my checking beginning in XXXX. 
-- - At this point XXXX, XXXX, XXXX, were paid and up to date. However, XXXX and XXXX Cardinal Financial received XXXX ( zero ) funds due to auto pay being shut off unknown to me. 2 payments. 
-- - The third payment was made on XXXX XXXX, XXXX for {$2000.00}. In XXXX, upon discovering what had happened to my account I paid what was delinquent and asked to be removed from loss mitigation 's grasp and in XXXX I paid the remaining delinquencies. I have not been removed from loss mitigation despite almost 45 days going by and now discovered. 
-- -- Cardinal sent my lack of payments to different credit bureaus, which according to the CARES act is not allowed. They claim I do not fall under the scope of the CARES ACT 's silence on payment history.

Please help me get my credit score back up and to have them recant their reporting as an error on their part.

-- =
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Experian several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are the following : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX. I have been a Chase customer since XX/XX/XXXX. 
I have been a victim of identity theft and have discovered a variety of different fraudulent usage of my personal information and informed Chase of it many times during the last 6 months. 
After disputing charges that were unauthorized and/or not me, between XX/XX/XXXX-XX/XX/XXXX Chase Bank decided to restrict my access to my checking account, online, on the phone and at branches. I only knew because my card was declined and I called customer service. 
Chase CSR 's refused to tell me why the account was restricted and they declined to answer me, multiple times. They did say Chase is ending their relationship with me, or close my account.

I have money and direct deposit from the IRS coming in that account and I am on XXXX and low income. Now I cant afford to eat thanks to Chase Banks decision to block access to my funds. 
No warning, no reason, after I've complained about Reg z on disputed debit transactions, had charge-back credits reversed, not responding to my many requests for evidence and procedures on investigating my disputes and other issues.

More concerning is that I have gotten numerous communication with Chaseonline that responses back to me with DIFFERENT ACCOUNT NUMBERS.

I demand that Chase answer ALL of the above concerns of mine.
Your company refuses to talk to me and I have been wasting 10+ hours weekly for months asking for help and getting the run-around.

Good day.
Product: Checking or savings account

Chime refused to give me any information or close an account opened fraudulently in my name. Spent hours getting bounced around by their representatives. 

They refused to send me anything in writing that they would not impact my credit report. 

They refused to confirm in writing that they would be closing, or continue this account to exist. 

In short, they offered to do nothing, and refused to take any responsibility whatsoever.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the fair credit reporting act ( fcra ), 15 u.s.c. 1681i, which mandates a reasonable invof disputes. Furthermore, equifax actions may also contravene the consumer financial protection act ( cfpa ), 12 u.s.c. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the cfpbs recent administrative proceeding ( file no. 2025-cfpb-0002 ) against them for similar violations. I request that the cfpb tale action to ensure equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

Wrongfully charged for payment protector service I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable. I will call my lawyer about this. REMOVE THE FRAUD ACCOUNT ASAP!