23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX my checking account was compromised.. l ; over {$9000.00} was somehow transered from my chase Investment account to my checking account. This is not the first time this has happened.. as of today XX/XX/year> it's now the THIRD time this thievery has happened... 

On the XXXX the theives proceeded to spend {$4000.00} at XXXX XXXX XXXX along {$16.00} cab ride and {$7.00} dollars at XXXX. Also, withdrawing {$3000.00} cash from my account.. 

Chase reimburses me for all the RETAIL, but is holding me responsible for the CASH withdrawls. My card has never ever been out of my possesion, I don't have a duplicate card, never have, never will.. No one but myself has access to my card. I was on the subway coming to work, simultaneously, and physically couldn't be in 2 places at once. I immediatly went to my local branch for start the process... 

I didn't do this, my card wasn't used and somehow boosted or whatever these thieves do no a days. One of the most disturbing elements of this whole circumstances is how where they able to get into my account do that transer? And like I mentioned before this is the third time this has happened. Seems like some sort of inside job to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

AFTER DISPUTE YOU ADDED SAME PAST DUE ACCOUNT ON MY CR TWICE SAME ACCOUNT i HAVE 4 2 WERE DISPUTED YOU ADDED THE SAME 2 SO NOW I HAVE 4 SAME 2 TWICE DONT KNOW HOW TO EXPLAIN TO YOU SO WHY DONT YOU CHECK IT INSTEAD OD ASSUMING SOMEONE DID THIER JOB XXXX CLEARLY THEY DID NOT
Product: Credit card or prepaid card

Discover notified me last year that it had discovered fraudulent activity on my card, although it did not tell me how or where my card was used. I checked my bill and noticed a {$95.00} charge at a local XXXX from XX/XX/2018. I did not make that charge, I did not lend my card to anyone and had not lost my card. So I disputed the charge. Discover issued a credit and the incident went out of my mind. 

I received a replacement card, which I barely used, and then lost. I immediately requested a replacement which I received this week. I also noticed a {$95.00} charge on my account which had no detail, which I could not dispute, and which I did not recognize. I contacted Discover immediately. I received exceedingly poor customer service but no explanation so asked for someone to contact me. 

Today, I received a letter stating that the charge was deemed valid, which it is not. I also did not receive any inquiry from Discover about what happened. Evidently, Discover took the last many months to conduct a one-sided review in which it contacted the merchant which provided the date and time of the transaction, but no other information- no purported signature or other way of validating my identity. 

Discover did provide the date and time of the transaction- a date and time when I was at work, 20 miles away at work in a meeting, according to my work schedule. And this was for more than 30 gallons of unleaded gas. My gas tank is holds less than 14 gallon, and I use premium, not unleaded gas. This is not my transaction. But Discover has taken months to render a decision against me ( and remember, Discover identified me to me as a potential victim of fraud right around this time ) and has not provided anyone for me to speak with to provide my evidence refuting this fraudulent transaction.
Product: Credit card or prepaid card

I have a Chase Freedom credit card that was originally opened in 1995. It is the primary credit card that I use and I make payments in full each month. On Wednesday, XX/XX/XXXX, I logged into my account and discovered it had been closed. I immediately called customer service and was told they didn't have any information and to email the company via the web portal. I did that and was told they couldn't provide any information, and to call the number on the back of my card ( the number I originally called ). I called Chase yet again this morning and was simply told, " this is not a decision the company takes lightly '' and that there was no one I could talk to who could remedy the situation. 

I am stunned, perplexed, and extremely frustrated that they would close an account in good standing without notification or rationale as to why. This is my oldest credit card and closure is going to dramatically impact my credit score, which is currently near perfect at XXXX. This is certainly a mistake on the company 's part and I would like the opportunity to plead my case and have the card reinstated. 

Thank you for your help with this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Date : XXXXXXXX XXXX XXXX XXXX  Subject : Request for Debt Validation Dear, XXXX XXXX XXXX I am writing to request validation of the debt that you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ). 

Original Creditor : XXXX XXXX XXXX I request that you provide me with the following information : 1.

Verification of the Debt : A detailed statement of the amount you claim I owe, including any fees, interest, or other charges. 2. Proof of Ownership : Documentation showing that you are legally entitled to collect this debt. 3. Original Contract : A copy of the original contract or agreement that created the debt. 4. Payment History : A record of payments made toward this debt, if applicable. Please note that until you provide the requested validation, you are required to cease all collection activities, including reporting this debt to credit bureaus. 

I appreciate your prompt attention to this matter. Please send your response to my address listed above within 30 days. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX I went to purchase a car. There I found out I had someone, a company trying to collect {$1100.00} for services I did not receive at the XXXX XXXX XXXX XXXX. 
- On my Trans Union credit report it said XXXX XXXX with the original creditor of XXXX XXXX XXXX XXXX ( XXXX ) is Billing me {$1100.00}. 
- I First filed a dispute with Trans Union on the beginning of XX/XX/XXXX. 
- I received a reply from Trans Union on XX/XX/XXXX with results VERIFIED AS ACCURATE AND UPDATED.?? 
- I then started doing some investigating. 
- I googled XXXX XXXX XXXX and called first number ( XXXX ) XXXX on webpage it was XXXX in XXXX XXXX, Fl. 
- I called the number ( XXXX ) XXXX on bottom of page for the President/CEO. It led me to a answering machine which I got another Number ( XXXX ) XXXX for ( Provider Services ). 
- I called this number and talked to XXXX who was very helpful. 
- XXXX researched my info SS # Birthday and name for the bill. She was able to identify the bill but she said the B-day did not match. 
- XXXX gave me the account number of bill ( XXXX ) and date of service XX/XX/XXXX, Place of Service ( XXXX XXXX XXXX XXXX ) and who the debt was sold to ( XXXX XXXX XXXX ) who is affiliated with XXXX XXXX. 
- I then contacted XXXX XXXX who is trying to collect from me. I told them I have lived and am serving in the XXXX XXXX XXXX in XXXX Ohio since XX/XX/XXXX and have been no where near the florida keys. 
- XXXX XXXX then offered to clear my debt for {$600.00}. I declined the offer. 
- I then Called Trans Union and filed another dispute with information I found out from XXXX at Provider Services. 
- I then called the XXXX XXXX XXXX XXXX ( XXXX ) XXXX and talked to the billing departement. 
- A couple of different times talking with XXXX  I was transferred to the Physicians Billing Department named ( XXXX ) ( XXXX ) XXXX - Talking with a couple of different Reps at XXXX and them searching for the bill at question they found / concluded they have no record of the bill due to the only started billing for XXXX XX/XX/XXXX. The Month after the date of service. 
- Both reps and a Supervisor tried to find the company prior to them for me to contact with no luck. They could not find who billed prior to them for XXXX. XXXX has no name as well.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these are fraudulent accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Someone used my identity to create a XXXX XXXX credit card account on XX/XX/XXXX. This account was used to purchase 2 XXXX game consoles from XXXX and 2 XXXX  game consoles from XXXX. 

I called XXXX XXXX on XX/XX/XXXX, explained the situation to them, and asked them to close the fraudulent account and remove the item from my credit report. I was assigned case # XXXX. 

On XX/XX/XXXX I mailed a completed " fraud packet '' to XXXX XXXX. 

On XX/XX/XXXX I left a message for XXXX XXXX 's ID theft department ( XXXX ), asking them to close the fraudulent account and remove the item from my credit report. 

On XX/XX/XXXX XXXX XXXX ( Experian XXXX representative ) and I got XXXX XXXXXXXX on the phone, and we were told to send an email to XXXX, which I did the same day. 

On XX/XX/XXXX I received XXXX XXXX letter, dated XX/XX/XXXX, indicating Our investigation confirmed someone using your personal information fraudulently opened the account ending in XXXX. 

XXXX and I tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to talk to XXXX XXXX to get them to remove my account information from my credit reports, but we were unsuccessful.
Product: Debt collection

XXXXXXXX XXXX XXXX supposedly gave this fake debt to professional collectors corporation XXXX which they couldnt validate the debt in XXXX of XXXX  so it was removed. So since they couldnt validate the debt on XXXX professional collector corporation then put it on my XXXX report again on XX/XX/XXXX not being able to validate the debt I am assuming that pcc gave XXXX a kickback of some kind since the bill doesnt exist. I just seen that XXXX will not take it off my account even though they cant verify it. It shows that I disputed it. I will keep disputing it until pcc can show this bill into existence. Pcc has committed fraud and embezzlement with taking money showing that my health insurance picked up all of the bills they say I owe. They sent me a national standard intermediary remittance advice showing how much the insurance paid. All of my medical bills were paid. The bills were taken off of XXXX since they couldnt be validated. XXXX must not check to actually look and make sure the bills is validated. I will dispute this over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Open Date XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

LVNV is a debt agency in XXXX I sent a cease and desist letter to them. Now they have sold this debt to a company called XXXX. Different account number but same debt. I will attach this letter.
Product: Credit reporting or other personal consumer reports

Company continues to furnish fraudulent information to my report. Company has been informed multiple times about this account being fraudulent and an ftc report was filed and sent to this company & received via priority mail. This is a direct violation of USC 1681. 

Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXX/XX/XXXX XXXX XXXX should not be reporting to XX/XX/XXXX ; Experian and XX/XX/XXXXinquiries on my credit report. ( Please see page attached. ) I only gave permission for a soft pull, and I was assured by the agent, that only a soft pull would be submitted. Unfortunately, right after the soft pull was submitted the agent submitted a hard pull credit report request. Consequently, these multiple inquiries are now appearing on my credit report. I have attached XXXX 2 ) emails for reference. The first email dated XX/XX/2020 clearly shows I only gave permission for a soft pull. The second email dated XX/XX/2020 is correspondence I received back wherein the agent acknowledged that a hard pull was submitted shortly after the soft pull was submitted. The agent stated in this email that it appears to me that my inquiry for the hard pull credit report had no impact on your scores. This statement is not true. Multiple inquiries, in fact, do harm your credit score and I request that these inquiries be removed from my credit report. I have contactedXX/XX/XXXX as well as the bureaus to have these inquires removed however, I have not been successful.
Product: Debt collection

Hello the XXXX XXXX XXXX sent me a letter stating that I owe XXXX usd to PayPal for a account that I have never used before. I called them to try and dispute the claim but I was told that their is nothing I could do about it besides pay the fee. Please help I did not do nothing wrong and do not have the funds to pay for this when it was not my fault. The letter has my name and address on it as well. I have done research and have heard of many people getting scammed after receiving these kinds of letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has stated that this information has been verified. I would like a complete audit trail of who furnished the account and how was the information obtained in order to verify said account in accordance with 15 usc 1681a ( e ) personal interviews must be conducted with neighbors, friends, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a voluntary report in XX/XX/XXXX. XXXX XXXX XXXX took possession and continued to report monthly late payments of 120 days past due. The last report they made for 120 days past due was XX/XX/XXXX. I have tried contesting the late payments and balance owed for the past 9 months, with negative results. On XXXX I visited my local DMV to determine if the truck was still registered to me. It was later determined by a VIN search that XXXX XXXX XXXX Sold the truck on XXXX and registered in North Carolina. I immediately contacted XXXX Solutions and reported what I have learned. XXXX XXXX XXXX representative stated that They will continue to report late payments until I pay the balance of {$28000.00}. 
They can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I am requesting that all late payments be removed after date of repossession. Furthermore that I be reimbursed the {$5000.00} down-payment on the vehicle, due to the negative impact to my credit. It has caused me time, money, and emotional distress to try and correct the intentional and grossly inaccurate damge.
Product: Credit card or prepaid card

I have a Health advantage credit card account with Wells Fargo, I opened this account to help pay for my XXXX  XXXX. I was told that I had 18 months no interest if I was making timely payments. Before I had my XXXX I requested an increase and was approved for {$300.00}, I was told that the {$300.00} only comes with a 6 month no interest offer, I accepted. I had the XXXX  and began making payments of {$120.00}, I did do for 6 months. On my most recent statement I noticed an interest charge of {$18.00}. Upon further review and in communicating with wells fargo to inquire why I was being charged interest when I had been making payments, have exceeded the {$300.00} with a 6 month no interest period, I was informed that my credit card was divided into 3 separate accounts and that wells fargo divided my monthly payments, based on priority that they determined, meaning payments were not divided evenly, but based on their system. Over the 6 months wells fargo made an average payment of {$8.00} from the {$120.00} I was paying to the account with {$300.00}. It wasn't until I started incuring interest that they allocated my full payment to the account which then had {$240.00}. Over 6 months I paid {$730.00} and in total they allocated {$52.00} to my account with {$300.00} 6 months no interest. It is important to note I personally had no discretion or option as to how my money was allocated or to what account it went towards. Wells Fargo determined that. I do not believe I should be incuring interest because if I had control I would have paid off my account before it incurred interest, and as the consumer I'd expect my creditor to act in my interest and my behalf, since I was not given a choice.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken by Experian. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It   XXXX   Concern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to reques t one.  Before, this never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   tire of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!
Product: Debt collection

I filed a complaint XXXX this is not a duplicate. No lawsuits have been filed yet. This company recorded my calls and I did not give them permission. I have previously requested that CMRE call my attorney not simply mark my account for all future to communication to be sent to my attorney. CMRE general counsel needs to respond to my attorney it has been over 30 days since the original attemp was sent via certified mail.
Product: Payday loan, title loan, or personal loan

I paid off my plus loan and the bank owe me {$200.00} they paid me {$300.00}. 
The amount of the loan was {$1000.00} the installment payment was XXXX. Each month I was to pay it on the XXXX of each month in XXXX I paid {$250.00} which they did not credit it to tbe account correctly as of yet i have not received the refund I got an email on XX/XX/XXXX stating i was approved for my refund it would take 3 to 5 business day to post it gas not post as of. 
I'm-XXXX XXXX XXXX  XXXX  Paid off XX/XX/2020 XX/XX/2020
Product: Debt collection

Almost daily call after I've told them I do not wish to speak to them by phone under the fair debt collection act and that I am XXXX  and my ONLY source of income is SSDI. Every attached screenshot is associated with Portfolio Recovery. The person that call today said her name was XXXX XXXX and that they had never called me before, which is a lie, as shown with screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEING A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT WHICH WAS OPENED UNDER MY NAME WAS OPENED MAINTAINED WITHOUT MY CONSENT. THE XXXX  XXXX XXXX OPENED UNDER MY NAME IS FRAUDULENT, THE CHARGES ARE FRAUDULENT. I DIDN'T AUTHORIZE XXXX XXXX XXXX TO PULL MY CARD AND ISSUE A CARD TO A THIEF, THIS ACCOUNT IS NOT MINE, THIS ACCOUNT WAS NEVER MINE, THE CHARGES ARE NOT MINE. I HAVE CALLED XXXX XXXX   XXXX AS SOON AS I FOUND AOUT THIS CARD AND I ASKE D THEM TO CLOSE IT. 

AGAIN, THIS ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE.
Product: Credit card

I have been paying HHGregg through Sychony XXXXfor two years. Now it seems that I am at thebeginning balance since I purchased in 2013 XXXXSyncony XXXX is trying to make me pay over XXXXin interest, Also HHGregg sold me merchandise that wasnot working. Tried to return but tey would not take it.
Product: Credit reporting

Experian did not delete a public record account on my credit report. NYS tax and fiance in the amount of {$3300.00} which was a paid judgment was due to be deleted from my report as the allowed time has passed. I tried to dispute it online through experian website but unable to do so as the system would not allow me to do any disputes. I tried contacted experian by phone and was told that it is not reporting on my credit report. I just checked it through XXXX and XXXX and it is still reporting.
Product: Debt collection

You have 1 account in Collections Account Name Original Creditor Open Date Balance Debt Contact Information SECOND ROUND LP XXXX XXXX XXXX XX/XX/2017 {$600.00} {$600.00} XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX This account has repeatedly shown up on my credit report even after proof has been provided that it's not mine. I have no luck with communication with this company and no responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts & Inquiries appearing on credit report.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was paid in full and is still reporting on credit report and needs to be removed. The following account : -XXXXXXXX  XXXX XXXX  XXXX XXXX # XXXX