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

Chase closed one of two credit cards that I got issued from it without a proper notice. Chase sent me the first notice by 'mail ' only threatening me that my account will be closed without a proper explanation. I called the customer support, the representative could not figure out exactly what happened and she promised that this won't happen again. After a month while I traveling abroad, Chase sent the second 'mail ' stating that they closed my account due to a payment being made with a refunded credit. I use the affected credit card exclusively for XXXX purchases and have only made few purchases over the last few months. I returned few defective items and got refunds. Chase is claiming that I did not make any payment due to refunds being credited earlier than when Chase could charge my bank for payment. I understand what happened systematically, but Chase 's claim simply does not make sense for the closure of the account. If they wanted me to make payments for my purchases, I would have done so, but they never asked me to do so before the closure of the account. They never explained with the first mail nor the first communication that I had with the customer support. I am dismayed by such an abrupt, inconsiderate and one-sided customer treatment by Chase and it must be condemned. I also have a concern that this closure would affect my credit score.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX Ca XXXX XX/XX/XXXX Central Portfolio Control XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request Dear Central Portfolio Control I am writing in response to your dated XX/XX/XXXX, regarding a debt you allege I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information : 1. Proof that I owe the debt, including the original creditors name and address.

2. A copy of the original signed agreement or documentation proving that I agreed to the terms of this debt.

3. The amount of the debt, including a breakdown of the principal, interest, fees, and any additional charges.

4. Evidence that your company is authorized to collect this debt in my state. 
Until this debt is validated and verified, I request that you : Cease all communication with me, except to provide the requested information. 
Refrain from reporting this debt to any credit reporting agencies, or immediately notify them to remove any existing reports. 
I expect your reply within 30 days of receipt of this letter. Failure to provide the requested information will be taken as your acknowledgment that you are unable to validate the debt and that you must cease collection efforts. 
Please note that this letter is not an acknowledgment or acceptance of the debt. I also reserve the right to pursue legal action if my rights are violated. 
Thank you for your attention to this matter. Please send all correspondence to the address above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Product: Credit card

I purchased furniture from XXXX XXXX and I received about {$3500.00} in defective items. I made numerous phone calls and sent numerous e-mails to the merchant, but I received no response from XXXX XXXX. I purchased the goods with my Wells Fargo Financial National Bank XXXX XXXX credit card # : XXXX. I am dissatisfied with the goods I received from XXXX XXXX and I have tried in good faith to correct the problem with the merchant. I may have the right not to pay the remaining amount due on the purchase. I am disputing the following charges : {$2800.00} and {$760.00} on my credit card account.
Product: Credit card

Initially, I received an email from Chase bank on XX/XX/XXXX, thanking me for applying for credit card. Within XXXX hours I received a phone call from them asking if I applied. I explained to the representative I did not and she advised me to contact the three credit reporting agency. I spoke with XXXX and XXXX on XXXX  to put a block on my credit report.
Product: Credit card or prepaid card

I made a purchase for {$48.00} using XXXX to XXXX on XX/XX/XXXX. The primary card that XXXX deducts from is my Fortiva Mastercard. When the charge was originally authorized it was authorized in two separate transactions. One of {$36.00} and the other was {$12.00} which totals {$48.00}. The {$48.00} was posted to my Fortiva Mastercard on XX/XX/XXXX. The {$12.00} is still pending on my Fortiva Mastercard. I chatted with XXXX and XXXX and they only see the {$48.00}. I called Fortiva to dispute it the charge and was informed that I couldn't dispute it until it posted. Meanwhile Fortiva has taken the {$12.00} from my available balance and can't give me a date when this will be resolved.
Product: Credit reporting or other personal consumer reports

The following address listed on my credit report does not belong to me. I have never resided at this address. The address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Please remove this information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan through XXXX XXXX with a late payment. 

The dates entered and type of delequency constantly changes multiple times from 30 days late, to 60 days late, to two 30 day late payments, to two 60 day late payments, from XXXX to XXXX, and info shared to the 3 bureaus do not match up. I have tried to remedy this problem and they always update it to a different delequency or change the dates. If their reporting info is correct and verified, no updates should be needed. 

This problem sends my score up and down constantly every month depending on what they decide to do. XXXX, XXXX, and EX are showing different data and I have never been furnished with proof of the delequency. I have kindly asked for a deletion with the data furnisher and the credit bureaus to stop this problem. At this point, I am frustrated, tired, and can't secure a mortgage with my credit report constantly changing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I a disputing all incorrect information on my credit report with Experian to help clear my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and the correct address at that time was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. 

2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. She also stated the incorrect information is displayed on several bankruptcy cases here are all the case numbers she provided to me that had the same identical incorrect information : XXXX, XXXX, XXXX, XXXX, XXXX. I have attached a copy of the petition given to me by the clerk office.
Product: Debt collection

My identity was stolen in XXXX multiple accounts and services were applied for using my Social.. XXXX being one I contacted the bureau to remove this fraudulent account Ive never had service with this company! Now its 2-3 years later and the account has been sold to a 3rd which violates my consumer rights! This account needs to be removed and blocked from EVER reporting again!
Product: Money transfer, virtual currency, or money service

My mother wire transferred me money using the XXXX application and my phone number. Neither of us knew that having given my phone number to capital one more then one year before. Also it being a charged off account. They snatched up the money even though it was meant for XXXX XXXX account. How can they just take money not meant for their bank an tell me I don't really have an account it's been charged off but they will keep money anyway. Wow seems really crooked to do that and not have permission from either parties on wire transfer.
Product: Credit reporting or other personal consumer reports

I tried reaching out to the company with no response at all
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX : # I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

Resources ====================================== Grab Your Credit Report With For {$1.00} For 7 Day Free Trial XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) aue to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

0:29 urthermor : heir dispute resol-0:51 pre* ) s was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

They refuse to address issue over phone where we can talk NO, they rather send NO supporting documents and continue to make me and others suffer, I am dying because of them, my life is ending fast over their theft. Of course they need more time research they are committing illegal crimes and need to be stopped, the consumer has been cut out of the equation in the process. THEY PROMISED to call but refuse cause they know they owe money they rather commit fraud, consumer terrorism and murder and embezzlement cause regulators let them get away with this. Disgusting, I Am loosing my life and future to this and I will not tolerate it. It will be fixed.The issues we have with USAA BANK/CREDIT CARD/DEBIT CARD/LOAN SERVICES/CHECKING/ALL AROUND CUSTOMER SERVICE/RENTERS INSURANCE/AUTO INSURANCE/UNFAIR CREDIT REPORTING and all the things that follow from BAD FAITH INSURANCE to LYING all the way down to in my mind fraud. Before these issues, my life, my credit, my career and my identity where not only going very well, but we can prove, we never missed a bill EVER. We can also show faxes, witnesses, police reports, emails, phone records right on down the line and the fact we never were once late with a credit card bill, ever, we always paid more than was expected. So how come if we always paid on time and kept up with other monthly bills did USAA put our credit card in collections when we sent them identity theft paperwork on the credit card and checking account. Falsely putting credit card in collections itself has cost us major health, job, credit issues we never ever had as well as a whole breed of fake things on your credit. The headaches alone we go through daily and the loss in our lives is extreme. Not to mention the dozen of unpaid policy renters and automobile things need to be paid. But even from the first issue when we were massively identity theft through our checking, even though we ended up finding out who it was and there was an arrest and witness to came to us and testified to the culprit wrong doings, the whole time we had money missing from our accounts prior to finding out what was going on USAA BANK was rude and uncaring and told me that it was probably my boyfriend at the time doing it and I should have him arrested. WHAT KINDA COMMENT IS THAT And after we found out who did it, when we called to let USAA BANK know XXXX ( ext XXXX ) screamed at XXXX XXXX when he was trying to be kind and let them know what was going on, she did not care, she was more concerned if we wanted anything from them This is something we dealt with everyone from USAA, all my life I never seen any COMPANY get away with so much.
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Product: Credit reporting or other personal consumer reports

I am writing to formally address ongoing inaccuracies on my credit report, which remain unresolved despite previous attempts to dispute them. These errors are significantly impacting my ability to obtain credit, and I am entitled to compensation under 15 U.S. Code 1681i ( 6 ), which mandates that consumer reporting agencies notify consumers of the results of reinvestigations within five business days after completion. Your failure to correct these inaccuracies indicates noncompliance with both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations : Failure to verify disputed items As per 15 U.S. Code 1681i ( FCRA ), if disputed items can not be verified, they must be removed from my credit report.

Civil liability for noncompliance Under 15 U.S. Code 1681n ( willful noncompliance ) and 15 U.S. Code 1681o ( negligent noncompliance ), your agency may be held liable for failing to comply with federal law.

Debt collection violations Under 15 U.S. Code 1692k, your agency may be accountable for violations related to debt collection practices.

Continued failure to address these inaccuracies will compel me to take further legal action, including seeking compensation for any violations.

Specific Discrepancies : Charge-Off Accounts Listed below must be deleted immediately due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts The collection accounts listed below are in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be deleted immediately from my report.

Unauthorized Inquiries The inquiries listed below were made without my consent, in violation of 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXXXXXX bankruptcy and XXXX  XXXX bankruptcy was verified to my account without being verified Account names XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX  Account number XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

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

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

multiple addresses reporting as mine but do not belong to me so some accounts have merged onto my account due to those addresses still on my credit reports I've asked and disputed multiple times with various credit reporting agencies and they never remove or delete addresses not belonging to me
Product: Bank account or service

On the XXXX of XXXX some went into a bank in New Jersey and deposit a check for {$3500.00} into my daughter account She lost her debt card few weeks ago on the bus, Someone must of pick it up and use it @ XXXX for {$1900.00} then went to Atm and withdrawl {$500.00} At the time there was No money on her card How they let them transaction happen i dont know Now her account is - {$2400.00} and they want me to pay they been taking all the money out of my other account as well They denied my despute and there reason was They check the history of Atm uses and said there were different people using her card Which is not true
Product: Credit card or prepaid card

I had a fraudulent charge on my credit card on XX/XX/XXXX in the amount of {$440.00}. 
I reported it and cancelled the credit card and received a new card. I received a letter in the mail confirming the fraud investigation and stating that I was eligible for a credit. I called in the beginning of XXXX as I never received the credit and they stated that the fraudulent charges had been removed from my account. The fraudulent charge still shows up on my account. I have paid the bill for this amount and am expecting a credit in the amount above. I called them again today XX/XX/XXXX and they don't seem to have any record of any call in XXXX. They are doing nothing to reimburse me the amount of the fraudelent charge. I have to wait on hold 30 to 45 minutes each time I call.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone stole my identity to open a Walmart Credit Card through Capital one.
Product: Vehicle loan or lease

I give my car back because car engine went out. I called car company and they sold car. It was only worth {$3500.00} blue car value of car
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXX XXXX XXXX : 1988 ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX ), XXXX XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX  and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards accounts opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX with a balance that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX XXXX  Complaint XXXX  ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.