23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I lost my Chase sapphire reserve credit card. 
The next day, I was contacted by the hotel where I had stayed, who informed me that my credit card had been found. 
Despite this, an unauthorized charge of {$2100.00} was made to my account for XXXX XXXX XXXX, a purchase I did not authorize or make. 
I promptly reported the charge to Chase Bank and initiated a fraud claim. 

Issue : Chase Bank has closed my fraud claim because they are requiring documentation from the hotel to confirm that my credit card was lost and later returned. However, as this incident occurred XXXX months ago, the hotel has no record or documentation of this event. This demand from Chase is both unreasonable and impossible to fulfill, given the circumstances. 

Key Points : XXXX. Failure to Protect the Consumer : Chase is neglecting its responsibility to protect its customers from fraud by placing an undue burden on me to produce documentation that can not reasonably be obtained. 
XXXX. Unfair Documentation Requirement : Requiring a hotel to provide proof of a lost and returned card, especially XXXX months after the incident, is not a standard procedure and reflects poor judgment on the part of Chase. 
XXXX. Lack of Adequate Investigation : Chase appears to have closed my claim without conducting a thorough investigation into the unauthorized charge, despite my clear communication of the fraudulent nature of the transaction. 
XXXX. Violation of the Fair Credit Billing Act ( XXXX ) : Under the XXXX, Chase Bank has a duty to investigate and resolve billing disputes in a fair and timely manner. By closing my fraud claim based on unreasonable documentation requirements, Chase is in violation of these obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Newrez LLC under Shellpoint mortgage incorrectly deducted my escrow account with an inflated city tax payment of {$2400.00} on XX/XX/XXXX. This tax was public record and due for the amount of {$570.00}. This deduction was never paid to any tax office, this check was never returned. I called in on XX/XX/XXXX and was assured everything was normal and denied there was a negative escrow balance even though I had received a letter stating a shortage of approximately {$700.00}. I had filed a complaint of error in XX/XX/XXXX and nothing has been resolved as of XX/XX/XXXX with several calls that promised escalation due to the fact I am selling this home on XX/XX/XXXX. No one at XXXX has answers as to what they have done to my money. This is a complete mishandling of funds and needs litigation.
Product: Debt collection

I happened to check my credit report today and to my surprise, i noted some activities on my credit showing different addresses and phone numbers that i never lived on nor heard about. I realized that my credit report had negative items that i was n't responsible for and i believe that my identity was compromised and my name was in collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4100.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On : XXXX XX/XX/2022 XXXX XXXX denied me for the Second Time a Credit Limit Increase, on my XXXX XXXX XXXX XXXX Credit Card, just because I had a Couple of Months, using their Credit Card, by them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX, My Social Security Number is : XXXX, The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove old numbers and address! 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: Money transfers

On XXXX XXXX 2016 I went to the bank and requested a wire transfer to a company in XXXX ( ( {$5900.00} ). I filled out the wire transfer services instructions. See wells fargo reference number XXXX. I was asked to put the XXXX number and XXXX number of the recipient bank, XXXX in XXXX. I wrote the correct XXXX number, but got confused and did not put the payee 's correct IBAN number. The Wells Fargo staff also did not realize the incorrectness of the XXXX number ( the number I put has too few digits to be a valid IBAN number ). I left the bank but twenty minutes later I realized that I has put the wrong number in the XXXX field. I called the bank -- both the branch and the Wells Fargo wire department. Both told me that it was too late " the wire had gone ''. I asked if I could follow with a correction. They said that Wells Fargo had to wait for the money to be returned by XXXX which should, according to WF, take 3-5 business days. I asked if I could do a recall. WF said that would take 30 days. So I waited a week and no money was returned. I asked WF to run a trace and a correction. A week later now still no word at all and no money. This is unjust. Surely Wells Fargo can contact XXXX and figure out where the money is. I am clearly getting the run-around where nobody wants to take the time or responsibility. I recognize the error that I made in initially giving the wrong XXXX number, but I feel that WF can rectify the situation after two weeks if it wants to expend a little effort. Or did I just lose {$6000.00} because I inserted the wrong number? 
XXXX XXXX
Product: Mortgage

The servicer was changed on my HELOC and the new servicer, Shellpoint, has my payment amount as XXXX and it should be XXXX. It is a HELOC taken out in XXXX and is in a draw period until XXXX. The amount owed has not changed. The rate has not adjusted. I have made several attempts to get an answer and have been told it has been " escalated '' twice after spending a lot of time on hold. I was told on XX/XX/XXXX that I would have an answer by XX/XX/XXXX. I was told around XX/XX/XXXX that i would have an answer by XX/XX/XXXX The next payment is due on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I just viewed my credit report on XX/XX/year> and I noticed theres some hard inquiries on my credit report that dont have permissible purpose according to the fair credit reporting act anything furnished on my consumers report must have permissible purpose according to 15 USC 1681B PLEASE DELETE ALL HARD INQUIRIES on my CREDIT REPORT THAT VIOLATES 15 USC 1681b.
Product: Credit card

On XXXX, I purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX XXXX Florida. At closing Dealership Representative XXXX XXXX sold me an aftermarket warranty which is called ( XXXX XXXX CONTRACT ) for {$880.00}. The contract agreement clearly states, " If you cancel this Service Contact within 60 days of the PURCHASE DATE, a 100 % refund of the service contact price will be made less any claims paid on the service contact. On XXXX, I responded back to the dealership to cancel the contract. The representative XXXX XXXX was verbally abusive and refused to cancel the contract. I then disputed the {$880.00} from the {$5000.00} deposit that I placed on the vehicle. I showed proof of the service contact agreement to my Chase Visa credit card company. However, Chase denied my dispute.
Product: Checking or savings account

Went to Wells Fargo Bank on XXXX XXXX XXXX XXXX XXXX XXXX ) and closed the Money Market Account at XXXX XXXX on XXXX. 

Banker closed the account but couldn't print a check or reopen the closed account. I WAITED UNTIL CLOSING TIME AT XXXX XXXX CST, AS THE OFFICE CLOSED. Banker was put on hold with their tech department and yet nothing could be done. 

I departed the bank and as of now, no call nor a notice of when funds will be given to me. FRUSTRATION AND LACK OF TIME TO HANDLE THIS BANKS INEPTNESS IS BEYOND COMPREHENSION. 

I am a XXXX XXXX, a XXXXXXXX XXXX and an XXXX XXXX of a XXXX Veteran ... ... so how does one get anything done. Please provide me a solution or investigate this banks procedures and a contingency plan for such issues.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly XXXX to my credit score, ( XXXX XXXX XXXX ; Account Number XXXX ). In accordance with the Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Consumer Loan

We have our car loan through US Bank. Every month we pay the note through Bill Pay at our bank which is XXXX. US Bank called us three weeks ago to tell us we are late. We conferenced in our bank. Our bank faxed a copy of the check they sent them which was endorsed and deposited. Three weeks later, US Bank is still dunning us even though they do note our account is being researched. Twice my bank talked with US Bank to show that the payment was received and deposited. I have a very good credit score and fear their ineptitude will mar it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was given a second dispute on XX/XX/XXXX in regards to a XXXX XXXX charge card that was opened fraudulently in a identity theft event. 
The person was charged, found guilty, ordered to pay restitution XXXX XXXX agreed to close and delete but never did in XX/XX/XXXX. 
I once again disputed it with credit bureaus in XX/XX/XXXX. The other bureaus deleted it and sent me a letter to say it was corrected and deleted. 
Equifax never responded. 
I called to ask what the outcome was and they state they see the dispute but can not find the outcome or information in system of the person who collected the data-just it was a open dispute since XX/XX/XXXX. They want me to restart process which I think is not legal. 
They show the claim, they have no response-and its beyond 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

I am currently paying between 7.5 % and 6.25 % interest on my loans. My home is at 3.25 % and I have an asset, what is the asset I received from college? I understand they need to make money, but they were given money at 0 % from the FED and charge me 7 % for something that is helping society if I get a job and pay taxes. This is an issue that must be dealt with.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax 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.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the account listed under account number XXXX, reported on my credit file with an amount of {$1200.00} as I do not recognize this debt. This account is reported as charged off with a profit loss/write-off ; however, I have been receiving multiple collection attempts from your company. Under the Fair Credit Reportina Act ( FCRA ). I am exercising my right 's so please delete this.
Product: Debt collection

I am filing this complaint because CREDIT COLL has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Checking or savings account

Capital One Bank has been experiencing deposit issues since XX/XX/year>, and has failed to provide any communication regarding an estimated resolution time. We are now XXXX days into this problem without access to our funds. When attempting to contact customer service, their automated system hangs up, making it nearly impossible to get assistance. This situation is unacceptable, and I believe it needs to be investigated on both a legal and federal level. What are customers supposed to do in this situation? I was under the impression that our accounts were insured, so why is this issue still unresolved? Why isn't the bank being held accountable for the disruption? The lack of communication only raises further concerns and leads me to believe there is more going on than is being disclosed. Ive only received XXXX email regarding the matter, and had to turn to social media and other online sources to understand what was happening. I demand a prompt resolution and appropriate compensation for the inconvenience caused by this ongoing issue.
Product: Credit reporting

My name is XXXX XXXX XXXX. Credit bureau service is reporting another ladies information on my report. XXXX XXXX XXXX. I would like her information moved of my credit report at once. I have great credit and is obvious this XXXX XXXX XXXX does not. Her dob does n't match dob. Her social security does not match mine. This is hurting my credit. Just because the worker are to quick to put info in get a job done. That they are not paying attention to the information. Please get XXXX XXXX XXXX of my credit report.
Product: Checking or savings account

My checking account access was obtained illegally and used to make unauthorized transactions in the amount of {$4200.00}. I called the police to file a police report and filed written notice along with proof of said police report to Bank of America. The claim has been continuously denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$11000.00}, {$340.00}, {$0.00}, {$5600.00}, {$0.00}, {$8600.00}, {$12000.00}, {$0.00}, {$0.00}, {$0.00}, {$600.00}, {$0.00}, {$3000.00}, {$13000.00}, {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

11. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

15. XXXX XXXX CAP with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

16. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.
Product: Debt collection

XXXX XXXX, having written off an old debt that I owed, having exhausted all avenues of repayment because of the dire financial circumstances I was in at the time, but this debt was bought by Midland Funding, who eventually took me to court. This item was dismissed by the Circuit Court of XXXX XXXX County, Mo on XX/XX/XXXX, but still remains on my credit report, last reported as active on XX/XX/XXXX. I have worked with the three credit bureaus since XX/XX/XXXX to clear up this matter. All have co-operated with the exception of XXXX, even though I provided documentation. 

I need to understand how the documentation was verified as correct to two bureaus, but not to all three. 

Original debt : XXXX XXXX  for XXXX Account Attempt to collect : Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Student loan

On XX/XX/XXXX, I entered into a Student Loan Repayment Program ; this was based out of a Collections Company called XXXX XXXX XXXX XXXX ; Account # XXXX. My Student Loans came out of default, and were being reported as current and in good standing. 

I was paying {$5.00} a month. 

As a result of the onset of the XXXXOVID-19 Pandemic, the CARES Act was enacted and all automatic payments debited from my debit card/checking account stopped. 

Everything was fine, and I was waiting to be notified of my {$5.00} monthly payment resuming ; however, I never received notice. 

Further, it is law under the Fair Credit Reporting Act ( FCRA ) that a company or agency must notify the consumer, in writing, of defaulted accounts and detailing the consequences if the consumer does not take action ; however, that is not the case here. 

XXXX/U.S. Department of Education did not provide written notification of default and the consequences that would ensue if no action was taken ; rather, XXXXU.S. Department of Education took it upon themselves to place my CURRENT Student Loans in Collections. 

I also find it interesting that the XXXX/U.S. Department of Education made this Adverse Credit Reporting decision as my spouse and I are trying to qualify for a Mortgage Loan. 

On XX/XX/XXXX, I called XXXX/U.S. Department of Education and spoke with a person by the name of XXXX, who said it's best to keep my accounts are they are until XX/XX/XXXX, when the U.S. Department of Education begins their Fresh Start Program and to call back on XX/XX/XXXX to enroll. XXXX from XXXX/U.S. Department of Education refused to begin the process of helping get my Student Loans out of Collections. That same afternoon of XX/XX/XXXX, XXXX Customer Service ( XXXX ) sent me an email with the Subject : " Disputes ''. 

On XX/XX/XXXX, I contacted the State of California, Department of Financial Protection and Innovation to file a complaint against XXXX/U.S. Department of Education ; however, they referred me back to XXXXt/U.S. Department of Education. 

My spouse and I are currently " Under Contract '' and expected to Close on our new home on XX/XX/XXXX ; however, our Mortgage Lending Company is now asking questions about my Student Loans in Collections.