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

I was charged twice by a merchant for {$39.00} each on XX/XX/2021 and XX/XX/2021 ( please see attached ). I contacted the merchant, and they agreed to credit me 1 ) {$39.00} and 2 ) {$38.00} and going forward they would just charge me {$1.00} a month. 

I contacted Chase Freedom Visa and placed the 2 charges of {$39.00} into dispute. Subsequently, I received a merchant credit of {$39.00}, and Chase Freedom provided a credit of {$38.00}. 

A few days ago, I received a letter from Chase Freedom informing me that they were reversing the {$38.00} credit, because I had received one credit of {$39.00} from the merchant. 

Chase Freedom mistakenly assumed that only one transaction was being refunded, when it fact, both the XX/XX/2021 and XX/XX/2021 transactions were being credited back : the XX/XX/2021 transaction was being credited back {$39.00}, and the XX/XX/2021 transaction was being credited back {$38.00}. 

I called Chase Freedom and was unable to re-secure the credit of {$38.00}. even though it is an error caused by Chase Freedom 's dispute department. 

Chase Freedom charged back the {$38.00} to my credit card account.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a background check done with a company I am starting a position with. LexisNexis reported that I have a misdemeanor on my record! It was merely a minor traffic violation - a speeding ticket over 14 years ago! ( which should be expunged from record anyway ). 
It happened on XX/XX/XXXX. Court case # XXXX. Court disposition date XX/XX/XXXX. This was in the state of VA, I did not go to court as I was traveling from XXXX - visiting my sister, back to XXXX, XXXX. I paid the fine through mail. 
My ex-husband is a XXXX and even states this should not be listed as a misdemeanor, there was no criminal act or accident or damage done. It is a speeding ticket! 
I called LexisNexis on XX/XX/XXXX as soon as I was shown the record. I was transferred all around by non-english speaking reps and basically told thats what it shows and a dispute would take 40-60 days. This is for employment starting in 2 weeks and it is false!
Product: Credit card or prepaid card

On XX/XX/XXXX called to ask for payment federal for covid 19. Let them know i needed for XXXX as I had made a payment that day for XXXX. Was informed no late fee. Late fee was added and they reported me as over the limit to credit reporting agencies. They refuse to fix their error. Spoke with XXXX rep XXXX who refused to fix their wrong reporting. They are discriminating against their card holders who need help by knowingly reporting inaccurate information caused by their error. They chose to do this even with recorded calls proving their error bc I told them I was impacted by covid19
Product: Checking or savings account

I have a linked savings and checking accounts with Wells Fargo. 

I had {$3300.00} in my checking account and {$3200.00} in savings. Checks for XXXX and XXXX went through the checking account and Wells Fargo charged me a {$35.00} " insufficient funds '' fee and did not transfer funds from the linked savings account. 

Since it hardly costs {$35.00} to transfer money from one account to another, this seems like an illegal charge.
Product: Debt collection

I have a debt collection reporting on my credit that is not mines. I do not know where this debt came from but it does not match my information. It appears to be related to a utility service account. I have never authorized services through this company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block Inc. ) due 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 address and prevent fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did comply with error resolution requirements under the Electronic Fund Tranfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I opened cash+ signature card with US BANK  .  They have {$100.00} member welcome bonus, I got confirmed with phone team that I will have this  XXXX  bonus but need wait up  to 3 month to get it . I wait that long, ask bonus again since I did not see that. And they said I have not got the bonus on my card yet they are not going to match it. Sent screenshot, tell banker, not be able to solve the problem.
Product: Credit reporting or other personal consumer reports

have disputed the XXXX account # XXXX with TransUnion on two separate occasions. Despite my formal requests under 15 U.S.C. 1681i ( a ) ( 7 ), TransUnion failed to provide a detailed description of the reinvestigation procedures. The account remains on my report with conflicting and materially inaccurate data compared to XXXX and XXXX. The account has also been assigned to two separate third-party collectorsDiversified Adjustment Service , Inc. and Credit Control , LLCwithout proper validation. Furthermore, I submitted an FTC Identity Theft Report (
No. XXXX  ) under 15 U.S.C. 1681c-2 ( a ) due to the accounts unverifiable, inaccurate, and harmful nature. TransUnion has failed to comply with its duties under 1681e ( b ), 1681i ( 5 ), 1681s-2 ( b ), and has violated my rights under federal consumer protection law.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX XXXX ACCOUNT IS OPEN AND I HAVE BEN MAKING PAYMENTS, THIS ACCOUNTT IS REPORTING IN BANKRUPTCY.
Product: Student loan

I have made previous attempts to fix these issues directly with them and They are violating my rights.
Product: Money transfer, virtual currency, or money service

so this woman added me on XXXXXXXX XXXX XXXXXXXX is her profile link and she offered to help me make money on bidding on nfts. she then added me on XXXX XXXX with the phone number i provided. she also added me on her supposed work phone on XXXX XXXX as well. XXXX XXXX XXXX XXXX the other number is XXXX XXXX XXXX XXXX she goes by the name XXXX XXXX XXXX and claims to own her own yoga studio she talked me into downloading trustwallet from XXXX  and then from there wire transfering my money from chase bank into it at first it looked like everything was going good but the browser she had me open which was called XXXX XXXX which is a website im sure she created on her own to scam strangers for money. so somehow she hacked into my trust wallet and stole all my funds which was a total of {$24000.00} dollars. once she did this she shut down the website and never spoke to me again. now when i try to visit the website it goes straight to a metamask website. please help me get justice and retrive my funds back this has set me back significatly my name is XXXX XXXX and my phone number is XXXX XXXX XXXX. Please let me know what steps i need to take to get this taken care off. the wire transfer went through a bank called XXXX XXXX XXXXXXXX XXXX which is located in XXXX New York XXXX XXXX XXXX XXXX XXXX. i have tryed to contact this bank to perform a chargeback process and ive left multiple voicemails but they dont return them. i also checked the reviews recently on this bank and many people have complained that this bank is running a criminal organization and scamming many people out of their hard earned money. i also tryed to contact chase bank to perform a chargeback process but they did not help me with this they said i have to contact the bank and the authorites i also am planning to get a lawyer to help me deal with all of this please help. also in the discloser it states that i have 120 days to do a charback process through chase bank and it has not been 120 days and they said they couldnt do it or help me with no concern of my stolen funds
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Debt collection

Credence Resource Management , LLC got and shared my personal information without my consent. They damaged my reputation by saying that I owe a debt that is not minds. They obtained my personal information without my consent and shared it with the credit bureaus and caused harm to me. They are also trying to coerce me into paying a debt that is not minds. They are also infringing on my intellectual property. They do not have the write to use my name XXXX XXXX. That is my personal property ( XXXX filing XXXX ).
Product: Credit card or prepaid card

All accounts reduced credit limits without any adverse payments or total balances. Dropped XXXX XXXX caused a domino effect. Has disgrace my credit worthiness and I believe our credit characters were discriminated and defamed. Synchrony Cards XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. All have had dratic reductions affecting our scores.
Product: Credit reporting or other personal consumer reports

My account with Update the late payment to paid as agreed was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Update the late payment to paid as agreed Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE XXXX, CONVERGENT OUTSOURCI INCORRECTLY REPORTING AN A DEBT AND INACCURATE OPENED DATE OF XX/XX/XXXX AND UPDATED AGAIN ON XXXX XXXX. 

I HAVE DISPUTED THIS DEBT AND ASKED FOR VALIDATIONS OF THIS UNKNOWN ENTRY WITH THE RETURN REPLY '' BECAUSE THEY SAY SO ''! 

THIS ABOVE AGENCY HAS REPEATEDLY HARASSED MY CREDIT REPORT IN SOME CASES CHANGING THEIR NAME TO CONTINUOUSLY REPORT THIS IRRONIOUS CHARGE, DELIBERATELY DAMAGING MY CREDIT SCORE. 

THIS NEEDS TO STOP IMMEDIATELY WITHOUT FURTHER DELAY!
Product: Debt collection

They call repeatedly every day while I 'm at work. They have been notified multiple time to stop. They refuse to identify themselves. The information of who this is is based on XXXX searches from the phone number they call from.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I have been garnished for 6 years at XXXX $ from my social security benefits monthly. My original debt was XXXX XXXX I did the math recently and came up with XXXX $ back in XXXX. The collection agency in charge of my debt. Has out of that number taken XXXX $ in fees with XXXX roughly going to the actual debt. I checked the max amount they can legally take is 40 % of the original debt. According to mine and theirs math they have taken 90 % of my original debt in fees. I am XXXX and I am pretty sure what they are doing is illegal. I would like to have the rest of my student loan debt discharged seeing as how they have already taken almost the entire amount of my debt in fees, and I AM XXXX!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of an insurance account opened at XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports within 4 days and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. Additionally, I request the deletion of the following inquiry from my TransUnion credit report : XX/XX/XXXX XXXX XXXX XXXX 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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 identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  alerted me of two credit inquiries on XXXX and one today on XXXX. One was for XXXX  XXXX XXXX for a credit card application with XXXX  XXXX. They have put a stop to it and will reverse it on my credit. However, the second one was USAA bank and i got one inquiry yesterday and one this am. I can not talk with anyone there but they provided me an email. I sent an email, but am awaiting a response. 
I am also concerned because earlier this year, someone attempted to collect unemployment under my name and ss #. I am concerned about id theft and how it will affect me in the future and want to do whatever i can to prevent this. They had my ss #, birthdate and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Id of complaint lodged via phone on XX/XX/2022 is XXXX. I was asked by CPFB to attach documentary evidence. That is attached. Thanks. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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
Product: Debt collection

The debt was remove from my credit reports, now it is appearing under collection agency.
Product: Debt collection

Synchrony Bank / XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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