23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXX I was in contact with an individual about the purchase of four electronic tickets totaling {$400.00}. The " seller '' advised that funds could be transferred directly from Chase through XXXX with no issues, and once completed the " seller '' would transfer the tickets to my XXXX account. Transferring electronic tickets is a legitimate practice and the exchange was being done directly through my Chase app, so I believe this was a safe and secure way to exchange funds for a good. The transfer page even indicates the receiving individual 's name and phone number! Once the funds were transferred the " seller '' stated twice that the tickets were sent over, but they had yet to appear in my account. I immediately called Chase to get the transfer cancelled or reversed, but by the time I was able to speak to a representative the " seller '' had already accepted the funds, so I was told by Chase that there was nothing they could do and the funds were unable to be recovered. The only assistance Chase provided was a statement about how customers should only send money to people they actually know, and XXXX is a third party so they have no protections in place for their customers. We then immediately contacted the XXXX XXXX non-emergency line and put in a request for police intervention. The department responded to the request on XX/XX/XXXX and the official report was filed on XX/XX/XXXX. 

I contacted the XXXX Police Department and have filed an official police report and have opened an investigation against the individual in question. I have the JPM Chase transaction number along with the " seller 's '' name and phone number, and was able to secure the " seller 's '' personal identifiable information ( Social Security Number, DOB, address ) through APD. I contacted Chase again today, XX/XX/XXXX to report the official police report and once again seek any assistance, as well as get the " seller 's '' bank information, but Chase will not even provide me with the receiving banking institution 's name. Chase has done absolutely nothing to assist, and I find it incredibly frustrating and ridiculous that they provide ( what I thought was ) a convenient and safe method of transferring money to other parties ( XXXX  ), but are unwilling to assist their long-time customers when theft occurs within their own platform. Myself and my family have been banking with Chase for years and they are the only bank I have ever held an account with, but after this experience question their commitment to their customers. 

I had called Chase within minutes of the exchange, was placed on hold for over 10 minutes, and received no assistance. I find it hard to believe that these electronic transactions are unable to be reversed and resolved. Chase needs to honor their fraud protection guarantee, and needs to provide me with the {$400.00} refund. 

I am able to provide my personal information, the thief 's personal information, as well as the XXXX transaction number. The official police report was filed on XX/XX/XXXX, report # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian have not responded to any of my disputes! I have been sending out disputes for over 6 months now and have yet to receive a single letter from the bureaus or any results! I understand that with the pandemic there is a delay but it can't possibly be over a 6 month delay. Lawfully they are required to respond to me within 30 days. There are inaccurate items on my credit that need to be removed!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020, I was laid off from my job and salary due to the lockdown caused by Covid-19, being unable to assume my financial responsibilities. I proceed to call the creditors looking for alternatives such as payment arrears and they all offered me moratoriums and alternatives in payments with the exception of XXXX XXXX ( XXXX ) which indicated that due to the account in arrears, I did not qualify for alternatives or any other assistance and to make the payments while he could. In XX/XX/2020, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) collecting the total debt of {$2500.00} from XXXX XXXX. I proceed to call XXXX XXXX and Mr. XXXX attends me indicating that the account is Charge Off and that he had to manage the pending payment with the XXXX XXXX company. I proceeded to call XXXX XXXX and they tell me that if I paid the amount of {$1300.00} at the moment the account would be settled and resolved. We proceeded with the payment at the time for the indicated amount of {$1300.00} after one week I received the letter of agreement indicating that the balance was canceled. I made a claim to XXXX XXXX on XX/XX/2020 and they only credited the amount of {$1300.00} leaving the account with an outstanding balance, when the letter indicates that the account was resolved and settled.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXX/XX/XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

Dear Sir/Madam, I am writing to formally lodge a complaint regarding my leasing experience with XXXX Volkswagen XXXX XXXX, NY. Below are the details of my grievances : In XXXX, I leased a Volkswagen XXXX from your dealership. At the time of leasing, the down payment was advertised on their website as {$2400.00}. However, I was charged more than {$3200.00}. I was assured by your staff that the difference of ~ {$450.00} would be refunded to me once the car was returned at the end of the lease term. 

In XXXX, upon returning the car, I inquired if everything was in order with the vehicle and the balance. I received no indication of any issues and was told that I would be contacted. Shortly thereafter, I received a bill in the mail stating that I owed approximately {$400.00}. Upon contacting your dealership for clarification, I was informed that there were no problems with the car, and the mileage was well within the limit ( XXXX miles, XXXX below the limit ). I was then told that if I do not lease from them again, I have to pay an additional ~ {$400.00}. I do not understand the reason. This was never disclosed to me while I was leasing the car. Despite my repeated attempts to resolve this issue, I did not receive satisfactory answers, and the balance was subsequently handed over to a collection agency. 

I explained the situation to the collection agency on multiple occasions, and they seemed to understand and accept my explanation. However, in XX/XX/XXXX, I received a notification of a change in my credit score due to a hard inquiry initiated by the dealership, which has negatively impacted my credit score. 

I am extremely dissatisfied with the dishonest and deceptive practices I have encountered at the XXXX dealership. I am seeking an explanation as to why the XXXX salespersons misled me, why I am being charged {$400.00} without clear contractual evidence, why I was not told about this charge while I returned the car, and why my XXXX XXXX has been adversely affected without my consent. Had I known that the XXXX would like to charge me extra, I would have just purchased the car. While I was returning the car, I even told them that if there is something wrong, I would just buy the car. But, they intentionally tried to avoid any clear answer when I returned the car!! 

I expect a prompt and thorough investigation into this matter and a resolution that includes the removal of the erroneous charge, a correction of my credit report, and a refund of the {$450.00} that was promised to me. 

Please contact me at your earliest convenience to discuss this matter. I look forward to your swift and favorable response. 

Sincerely, XXXX XXXX, PhD Professor/Chair Electrical and Computer Engineering
Product: Debt collection

Called in XX/XX/2016 asking my parents where I was pretending to be an old friend I believe the caller 's name was XXXX or XXXX it is a debt I DO NOT OWE I told that to the first lady who called me back in XX/XX/2016 asked for verification and she could not provide any. Very frustrating dealing with underhanded tactics.
Product: Credit card

I bought tickets on this XXXX XXXX for a XXXX XXXX concert on XX/XX/2023 for {$340.00}. The link went through XXXX and the tickets were never sent or activated and I never got refunded. XXXX  seats and XXXX keep claiming the other party is responsible and Im out {$340.00} for tickets I never received and a show I never went to. Its a complete scam and they also refuse to send emails and leave a paper trail when I try to dispute the charge with my credit card company. The credit card company I used was Discover and they keep siding with the merchant because it was an authorized transaction, but XXXX  seats did not provide the services. This is a case of fraud and Discover is false advertisement on saying clients are never responsible for fraudulent cases or services never rendered. They wont let me open a new dispute either.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and I found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency compares a consumer report it shall follow reasonable procedure to Assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 u.s.code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if after any reinvestigation Under paragraph ( 1 ) Of any information disputed by consumer an item of 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 resort of the reinvestigation ; and ( ii ) Promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer please remove the following items from my credit report Immediately XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXXXXXX XXXX XXXX XXXXXXXX After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my report are not mine Never gave any consent reporting inaccurate and I have no accounts open with them Needs to be removed immediately do to the fair reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT, THE RESULT OF THAT SEVERAL ACCOUNT WERE OPEN UNDER MY NAME. 
XXXX XXXX XXXX # XXXX ... .XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX, WELLS FARGO BANK XXXX XXXX. 
XXXX XXXX # XXXX,XX/XX/XXXX XXXX. 
XX/XX/XXXX # XXXX ...XX/XX/XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX CARD # XXXX .XX/XX/XXXX# XXXX ... 
XXXX XXXXXX/XX/XXXXXXXX # XXXX,,, WELLS FARGO BANK XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report currently shows XXXX charged off accounts from XXXX XXXX XXXX. They were both included in my Chapter XXXX Bankruptcy filing on XX/XX/19 and subsequently discharged on XX/XX/2019. I have numerous times disputed the fact that they are not reporting correctly. Per my bankruptcy attorney they should be reporting Closed, {$0.00} balance, discharged in chapter XXXX bankruptcy. Instead they are reporting as as a collect/chargoff and transferred to another lender. I've provided proof of my filing and discharge. I've reached out to both the company and the credit bureau. The credit bureau continues to find that this status is valid regardless of proof otherwise. I'm VERY confused as to what they are doing to validate this, since I have proof it was discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year ago I dismissed a bankruptcy. I have a vehicle loan with Ally Financial. I caught up all {$10000.00} worth of payments and have been caught up on payments since XXXX. My credit report still shows behind 60-90 days. I feel that this needs to be corrected as it is unfair to only report the negative and then nothing when paying as agreed. I have filed a dispute with XXXX  but not XXXX  or XXXX  yet since couldnt do it online. I did send an email to Ally through my account on XX/XX/2020 that they have not responded ded to as of today. All I am asking is that they report things fairly and accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Minnesota XXXX XXXX is showing up on my report. I had an agreement saying that my arrears should be off my credit report. It should be in the courts records this matter should of been solved.
Product: Vehicle loan or lease

I Leased a vehicle through FAIR. I returned the vehicle 3 weeks ago. I keep getting billed for the weekly lease payments, which include insurance. Several attempts to contact the company through email, mail and phone have failed. 

Company Fair XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account needs to be removed off my report XXXX XXXX opened XX/XX/2015. In accordance with the fair credit reporting act my rights have been violated as a consumer pursuant to USC 15 1681a ( 1 ). Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. This does not comply with the FCRA ( Fair Credit Reporting Act ) and if it is not removed I will have my information removed from the database and no longer do business with any financial institution that uses your company to receive my information.
Product: Debt collection

Received a collection letter in the mail on XX/XX/2022 saying I owed {$2400.00} on an Ashley furniture account for XXXX XXXX  with synchrony bank. I did not open this account and was not aware of the account being opened. I contacted the fraud department at synchrony bank to find out what was going on. I reported it with the bank and took the initial steps to help me with this problem. I started a fraud file number with them and the number is- XXXX.
Product: Credit reporting

I filed Bankruptcy ( Chapter XXXX Docket # XXXX on XXXX/XXXX/2010. 
It is reporting that XXXX acct # XXXX XXXX Mortgage with a balance of {$120000.00} was included. This is not the case. We had a mortgage with XXXX XXXX XXXX at the time of Bankruptcy in which we kept and sold at a later date. I need to see about getting this off of my credit report.
Product: Debt collection

A letter was forwarded to me from my previous address from 5 years ago by the current property owner. It is a letter from EOS CCA attempting to collect an alleged debt owed to XXXX. I am unaware of such an account. I have never done business with XXXX in my life. I've been with XXXX and XXXX for as long as I can remember. I have mailed them an FTC report in response to their letter. This account is not mine. I hereby request information/validation proof regarding this account and cease and desist collections otherwise I will have no choice but to file a legal action for damages.
Product: Credit card or prepaid card

I have numerous inquiries on my credit report only because capital one pre approval stated that I was approved.Capital one wanted me to send in documents to confirm my identity and I did.im stuck with hard inquiries and points being taken off my credit score and no credit card.Um trying to build credit but capital one misled me by telling me I was approved but later stated that my documents were not.i don't understand.I did finally get an approval for a card XX/XX/XXXX but the card never came.I want all of the hard inquiries from capital one removed and I can apply for a card with a genuine and honest company.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

Account Names XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EquifaxXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX, has 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. These inaccuracies are preventing me from buying a new car for my work. I am not able to get a new home for my family. I can not get business credit to grow my business so I can provide for my family.
Product: Credit card or prepaid card

This is a follow up from case XXXX as my issue is STILL not resolved. Goldman Sachs indicated they backdated my payment to XX/XX/XXXX, as it should have been, except I am still being assessed interest despite that statement being paid in full. They made no effort to contact me except for a single voicemail, where they did not leave a return number other than general customer service, and general customer service has no idea how to step into this matter and help me. 

What I now show, is the payment date changed from XXXX to XX/XX/XXXX, and interest charges of {$77.00} on XX/XX/XXXX. General customer service says the payment date is wrong, it should be XX/XX/XXXX and shows as such on their end, but they can not explain the additional interest charge or the fact that my account is now accruing interest for the month of XXXX, despite it starting the month out with a {$0.00} balance, paid in full in the previous month. It is my supposition that their " backdating '' of the payment has created more problems for me than it solved. 

Suffice it to say, my issue is not resolved, and as an aside, I believe Goldman Sachs is lying about the limitation of check payments existing on XXXX 's side. XXXX and my credit union both indicate the limitation is on Goldman 's side and while I can't definitely prove it one way or the other, I'll note that I have no issue paying any other credit card bank via XXXX. This is solely a problem with Goldman Sachs. 

As an additional aside, I have filed for arbitration against Goldman Sachs on this matter, due to their continued unwillingness to simply fix my account. I would very much like to resolve this without seeing that process through to its conclusion but at this point I do not believe that is likely.
Product: Credit card

I became XXXX XXXX and make less than XXXX % of the federal poverty level. I contacted Capital One regarding my credit card ending in XXXX and made hardship arrangements where they would stop charging me interest and fees as long as I made {$110.00} a month payments. 

They reneged on this agreement and have been charging me over {$75.00} a month since I began hardship repayment. Because of this, the balance is not getting any lower. I feel I have no choice now but to let the account be written off and pay a reduced amount to the third party collector who purchases the account in the future. I contacted Capital One and they raised the minimum monthly payment and also said they would not stop charging interest. 

Capital One should be reprimanded for unethical collection and repayment schemes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITYT THEFT