23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I booked a flight through chase XXXX XXXX Booking ID : XXXX on XX/XX/XXXX with a transaction amount of {$350.00}. 

XXXX canceled the flight and I was meant to receive a refund amount for XXXX USD from XXXX. 

XXXX confirmed on XX/XX/XXXX that the refund was issued to XXXX ending in XXXX. This is not my card but the chase travel agency card. I have since called in XXXX ( was told to wait XXXX billing cycle ). In XXXX I called again ( was told to wait another XXXX more billing cycles ). XXXX same thing was told to wait another billing cycle. 

In XXXX when I called- I was told that I would get a check in the mail in two weeks. Did not receive this. I called again on XX/XX/XXXX which was XXXX weeks later and they said the check was never sent. Further escalated and no resolution. 

On XXXX I was told that I need to go to the dispute department and they told me its been over 180 days and they can not make the change. I have been following up for this for over 7 months now - well within the window. During this 2 hour call I was sent around to 4 different departments with no resolution.

I have cumulatively spent over 20 hours on the phone trying to get my money back. I have been pushed around to multiple different departments with no solution - to accounting twice ; disputes department 3 times ; card member services 3 times. Im sure if you look at the log you will see the lengthy amount of notes in there with my repeated calls that have resulted to nothing. Multiple times its has been escalated. That means absolutely nothing because every time I talk to someone new information comes out and its back to square one. 

I have been a loyal chase customer ( 12 years ) & Chase sapphire customer for ( 8 years ). This is absolutely ridiculous. They lost a customer as I am never going to renew again & I will tell all my friends & family to also boycott. That {$550.00} annual fee is not even close to the hours, tears & frustration I have had to deal with the last 7 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Hard Credit Inquiry Removal Request Dear Transunion : I am writing to request several credit inquiries that were unauthorized be removed from my credit report. I received a copy of my credit report and became aware of several nquiries that I did not authorize. They are as follows : XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Each company above that does not have an account should be removed as soon as possible. 

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed. 

Thank you for your consideration in this matter. Should you need to contact me, my email address is XXXX and my telephone number is XXXX. 

Sincerely, Signature XXXX XXXX Enclosed is proof of identity theft Irs letter from XXXX DO NOT PLACE FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is in excess of XXXX inquiries on my credit report which I did not authorize all in the same time period. I tried to resolve it with a credit bureau XXXX and I was told within XXXX hours that the inquiries were all valid and would stay on my report for 2 years. There are no loans or credit lines in any of these places that have inquiries. It is impossible that i authorized this and it seems to be illegal to tell me within XXXX hours without proper investigation that they are valid. The false inquiries are as follows : 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 XXXXXX/XX/23 XXXX XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute filed XX/XX/XXXX. Received update on dispute XX/XX/XXXX. Dispute investigation verified the information I was disputing as inaccurate ( two accounts belonging to someone else listed on my report ). I called the bank who holds these accounts, and they have no record of me as a customer.
Product: Credit reporting or other personal consumer reports

There was a billing error on SELECT PORTFOLIO SER Opened : XXXX XXXX, XXXX  Balance : {$600000.00} which caused an incorrect late payment report. I had already paid the bill, but the payment was not correctly applied due to a processing error. I have never been late on this account.
Product: Checking or savings account

I called Bank of America XX/XX/XXXX ( XXXX ) XXXX to enquire about how far back the bank would honor checks. I was told the bank would only honor checks written 6 months back from the date of issuing. 

On XX/XX/XXXX, XXXX, the bank contacted me via e-mail notifying me with regard to suspicious activity concerning a check dated XX/XX/XXXX, asking me to corroborate if I recognized it. The e-mail stated that I had until XX/XX/XXXX, XXXX ET to respond to the query. I chose to not respond at the time and to attend personally to the bank to attest to the situation the morning after. 

On XX/XX/XXXX, around XXXX PT, I went personally to Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) to ask for a stop payment on checks written prior to XX/XX/XXXX. As I accessed my account, the bank notified me that a series of checks dating back to XX/XX/XXXX had been cashed out from my account. 

I spoke to the location manager at the facility and was transferred to speak with the checks claims department, who told me that despite the misinformation the funds would not be reimbursed. 

The total deposited amount for the checks cashed was USD. XXXX ( XXXX XXXX XXXX and XXXX XXXX and XXXX dollars ). I told the manager that I had been told no checks dating back to six months would be honor, and was notified of suspicious activity regarding a check the day prior giving me until XXXX ET XX/XX/XXXX to answer. 

The bank refused to acknowledge their liability for honoring these checks, despite being told they would not honor checks prior to six months prior, and despite being told in e-mail that I had until XXXX XX/XX/XXXX to review the case. 

I am attaching a pdf including the cleared check transactions that have taken place for the stated amount, all of which are numbered and for the amounts of USD. XXXX / XXXX. I am also attaching the email from the bank stating I had until XX/XX/XXXX XXXX ET to acknowledge the activity for the check in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

The company was sent in the disputes of the fraudulent activities and did not remove them. I have a Federal Trade Commission on report and the items are still on the credit report. I have been a victim of fraud do to data breaches. Under the FCRA, I would like to have these items removed from my report. These accounts belong to someone else.
Product: Credit card or prepaid card

Purchased mattress from Mattress Firm through Synchrony Was told the first 12 months would be 0 % I was locked out of my account and not receiving paper statements, so didn't realize I was paying interest after 6 months at a XXXX  % rate I contacted them multiple times, and they finally said they would extend it to 12 months 0 % interest, even though that was the initial agreement. They said I would see this on next statement I finally recieved in mail This showed I was still paying interest. Every time I call they say they will look into it, and I never hear back.
Product: Debt collection

They keep on calling tried to collect debt I don't owe them.
Product: Debt collection

Charged for fraudulent charges on XXXX account. They refuse to credit the charges, forced to close account and now they call me 6 times a day harassing for payment. I refuse to pay anything on this
Product: Mortgage

I was charged interest twice in XX/XX/XXXX, once from my regular autopayment ( XX/XX/XXXX ), and the second from an additional principal payment I sent in on XX/XX/XXXX. This second interest payment that month still has not been applied even though I have called and spoken to agents numerous times. Also, approximately {$300.00} was added to my balance on XX/XX/XXXX for no apparent reason. They have only sent me a pay off statement which I can find online at anytime, not a full accounting which is what I requested.
Product: Student loan

I currently have my student loans consolidated through XXXX after I graduated in XX/XX/XXXX. I have been making my payments directly to XXXX and missed one payment in late XXXX when an auto-payment failed to clear. The problem was corrected as soon as I found out, and I have not had an outstanding debt since.XX/XX/XXXX, ECMC called my work phone claiming they work with XXXX XXXX XXXX XXXX. I attended XXXX during the XX/XX/XXXX-XX/XX/XXXX school year and had since moved on. They mentioned the missed payment and that I had an outstanding balance. I checked with XXXX and there are no outstanding balances. I also checked with XXXX and was confirmed to have outstanding debts with the school. I explained to the woman from XXXX that I had no outstanding balances, and she began to launch into a spiel about how XXXX is contracted with XXXX to offer financial guidance. I declined and informed them not to contact me again. Today, XX/XX/XXXX, I was contacted again by XXXX claiming to be calling on behalf of XXXX and that they had previously helped me with financial management. I informed them forcefully they had never helped me, I had never requested their help, and that I did not appreciate them calling my work phone if there are no outstanding monetary issues to discuss. 

I am reporting about ECMC 's tactics because I do not know how they received my work phone number. I was not employed with my current employer when I attended XXXX. If they are calling on behalf of XXXX, that is one thing, but they instead called detailing outdated information regarding XXXX. 

I will be following up with Navient, and I expect XXXX will be calling my work phone again trying to peddle " financial help '' where clearly none is required.
Product: Debt collection

There was an apartment rented in my name in another state that I did not rent my I'd was stolen years ago and they jeep putting this debt on my credit
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX Account name : XXXX XXXX  XXXX, .However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 crimes which antedates the report by more lhan seven years, 15 U.S.C. 1681s-2 ( AX ( 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.

Also hey aren't even in compliance with metro 2 credit reporting, I have evidence to prove my case
Product: Checking or savings account

On XX/XX/2022, I received a text message from ph # XXXX advising that Chime was having sweepstakes and to kindly send Yes to confirm Chime Bonus. I did and was immediately locked out of my account. I contacted Chime immediately at XXXX and worked with a rep to reset my password. It was reset and I used my card. I thought everything was fine, so I transferred {$100.00} to my checking account with Chime from my XXXX  XXXX XXXX account as I do every month. 
When Chime received the payment on XX/XX/XXXX, they immediately locked me out of my account and advised me that I needed to send them my driver 's license, front & back, and a selfie showing me holding my ID and a piece of paper with the date, XX/XX/2022 I sent it. They sent me an email that they needed another pic, with the date written/ not typed on paper with a selfie. I did. They rejected that and told me to take another pic, because it wasn't clear. I tried calling the XXXX number, and someone answered, but just held onto the phone, not speaking. I hung up and contacted them on XXXX. They reached out and asked for the same thing.
Product: Money transfer, virtual currency, or money service

My checking account was hacked after our bank info was stolen and this person conned the bank into crediting {$1000.00} in our account stating that he had deposited money via atm but it hadnt credited yet. So a provisional credit was given and before the bank could find the dispute to be false, this person transferred the money and XXXX it out of my account to a woman I do not know. I have been fighting PNC Bank since XX/XX/XXXX and they say I now owe them {$1000.00} and fees. I do not know how else to fight this.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX sent me {$800.00} on cashapp to send to someone else for business purposes and it did not go the way he wanted it to and try to get the money back but couldn't, mind you I did not cash out that money it was sent to the person they wanted it to be sent to and I have photo proof. The next day he made a dispute on his bank which credited him the money and cash app went and did an investigation. In that investigation cash app withdrew the {$800.00} from my account on XX/XX/XXXX. Privileges this is a they should have took the money from the person that I sent the money to, really I don't know what they should have done but it shouldn't have been taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXXXXXX XXXX  and XXXX XXXX are unfounded items I have no responsibility for.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX Balance : {$3100.00}
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 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  THEY HAVE ALL 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 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: Debt collection

RE : RESURGENT/LVNV FUNDING | ACCOUNT NUMBERS XXXX XXXX XXXX I am writing to file a formal complaint regarding a debt collection on my consumer file that is a result of identity theft. Pursuant to Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681m ( f ) ( 1 ) ), I am formally requesting that you ensure compliance with the regulatory obligations imposed by the law. I also want to draw your attention to Section 30 ( b ), which prohibits the sale, transfer for consideration, or placement for collection of a debt resulting from identity theft.

The debt in question has arisen from identity theft, and as per Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act, no person shall sell, transfer for consideration, or place for collection a debt if they have been notified under Section 605B of the Fair Credit Reporting Act that the debt has resulted from identity theft. I am requesting that you investigate this matter promptly and take necessary actions to block the unauthorized information from my account.

Furthermore, I assert my rights under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. The Furnisher/Creditor should be able to supply an original documentation ( an original instrument of indebtedness with the autograph on it ), not to be confused with a photocopy. I am requesting a complete audit trail of the accounts in question and the Tax Registration certificate. Additionally, the creditors must provide a true certified copy ( NOT a photocopy ) of the original note or promissory note ( credit agreement ) contract binding both parties. This request is made in accordance with generally accepted accounting principles ( GAAP ), International Financial Reporting Standards ( IFRS ), Basel 3 Accord, and UNCITRAL conventions.

Under Section 615 ( f ) ( 1 ) of the Fair Credit Reporting Act, the debt collector must cease collection activities until it has satisfied the requirements to validate the debt, including blocking the reporting of information resulting from identity theft. 

I request that your agency thoroughly investigates this matter, takes the necessary steps to block the unauthorized information from my account, and provides me with a written response outlining the actions taken to comply with the Fair Credit Reporting Act. I remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ) and emphasize the importance of adhering to the regulations set forth to protect consumers. 

Enclosures : [ Include any relevant documentation such as copies of police reports, FTC reports, etc. ]
Product: Debt collection

I received a court document ( memorandum of cost after judgement ( Case # involved ) in the mail under my first married last name ( XXXX ) from XXXX XXXX XXXX in the total amount of {$2200.00}. ( XXXX XXXX XXXX in XXXX XXXX, ca ). I went to my local courthouse to see if document was legitimate the court document looked fraudulently no signature or no date stamp from the courthouse. they told me that I had to contact the attorney on paper. I called Midland and spoke with XXXX XXXX ( i believe that was his name ) and asked what is going on. I was advised that a XXXXXXXX XXXX XXXX XXXX was open in my name and this an attempt to collect debit. I told him i never had a XXXX XXXX account this is fraud case and nothing is on my credit report he then changed his mind and said that Midland would send me a fraud packet to fill out. its been almost a week and no packet, i was not informed of what the bank location it is or when this even occurred no dates or anything showing Information or of any charges made, the man on the phone then stated they were gon na issue a wage garnishment. I told Midland I would Sue them if they came after my wages. I filed a Police Report with XXXX Co PD i have a tracking number. i also looked up the case online and found some of interesting stuff there is another female name I saw ( Proof of service of summons and complaint filed showing substituted service on XXXX XXXX, occupant,, mailed on XX/XX/13 ) I don't even know who this person they have a fake address on this document, but whoever has done this has my whole Identity. I will Prosecute to the fullest extent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against trans union for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, trans union actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, trans union actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure trans union complies with federal law and provides consumers with the necessary proof of investigation. 

Listed accounts XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/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