23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working for a company named XXXX XXXX XXXX in XXXX XXXX and the company opened a business credit account from Chase with my name on the card. The company card was used to buy material for jobs, and the bill was never paid by the owners. I never guaranteed the credit card. They stated I was liable because I signed checks for the company. I asked for them to provide evidence that I somehow guaranteed the card and they failed to provide this. 

Given the timetable, I decided not to pursue this legally, because the account and last activity is over 7.5-year-old, yet they keep reporting this to XXXX and other credit reporting companies. Chase ended up charging this off, and that has shown up on my personal credit. 

The account needs to be removed from the credit reporting. They have failed to ever properly address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Error in my credit report never get fix. I have informed you already that my report contains items that results of identity theft.
Product: Debt collection

This company came up on my credit report. Then I received a letter from this company in XX/XX/2018 after it was noticed on my credit report.I have no contract with this said creditor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX XXXXXXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX XXXX # XXXX DATE OPENED XXXX BALANCE {$6200.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$7200.00} XXXX XXXXXXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1700.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This complaint is for IC Systems. I have never recieved any documentation from them nor do I have an agreement with them. I have attached below documentation that is requesting more information from IC Systems. Please see attached to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has no account reportable on the charges of service amounts. Insurance paid balance. Still went to collections. Can not obtain original service charges statement report. No billing statements available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion have failed to report my XXXX XXXX credit card account which reflects positive payment history and could help raise my credit score and lower my credit card utilization. The account number for the XXXX XXXX XXXX credit card is XXXX. The account was previously reporting at both bureaus but it was deleted in error and never corrected. I have called each credit bureau several times to reconcile the situation but they continue to blame XXXX XXXX for lack of reporting. However, XXXX XXXX XXXX  sent me documentation in the mail on 2 separate occasions proving that they have been reporting accurate information to all 3 credit bureaus. The XXXX XXXX credit card referenced above is accurately being reporting on my XXXX credit report yet these two bureaus refuse to correct their mistake. I demand that the bureaus be required to report accurate information as stated by the Fair Credit Reporting Act or I will be forced to seek legal action immediately for the damages incurred and for being unfairly denied credit due to their negligence!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX XXXX  and XXXX XXXX. I'm now requesting you investigate this account and update this account to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

I am writing to formally file a complaint against Wells Fargo regarding multiple overdraft fees charged to my account. Despite having sufficient funds at the time transactions were authorized, I was still assessed fees due to delayed posting of charges and credits. 

This issue mirrors the recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Wells Fargo for similar practices, where transactions were settled with insufficient balances despite sufficient funds being available initially. I believe these practices are unfair and have caused undue financial strain. 

I kindly request a thorough investigation into my account transactions to address these discrepancies. I am also requesting a resolution, including the refund of any improperly charged overdraft fees. 

Please let me know if you require additional details or documentation to support my claim. I look forward to your prompt response. 

Thank you for your attention to this matter.
Product: Credit card

I previously paid off balance of {$2200.00} and was told by XXXX of Comenity BankXXXX XXXX XXXX XX/XX/XXXX  that I owed no more money and my account was at XXXX, and I asked that my account be closed out. Today I received notice that I now owed {$40.00} in interest charges. 
I had a hard time again getting through to a live person at Comenity Bank but was able finally to speak to XXXX earlier today. XXXX said XXXX was not able to see the charge of {$40.00} on the screen. How come? Is this going to keep happening? 
XXXX then put the payment through using my checking account and said he is not charging me the {$9.00} fee. XXXX said today that once that payment of {$40.00} goes through in 48 hours, my account will be at XXXX, and there will be no more finance or interest charges. I asked him for a letter in this regard, and he said he will be sending me one. I reiterated that once the {$40.00} goes through my bank, there will be no more finance or interest or other charges, and XXXX confirmed this. I am filing this complaint to be sure that is the case.
Product: Debt collection

Sun loan in XXXX XXXX Nevada has reported on my credit as me having 4 accounts. I only took 1 loan. I am trying to repair my credit and they are rereporting I was told. This is unfair! I have disputed this and tried to settle but was told it would not be removed
Product: Credit card or prepaid card

I recently signed up for Amex XXXX XXXX everyday credit card. As the advertisement on the Amex page displays, this card offers 0 APR for 15 months on purchases. Upon applying for this card, a few days after, I received the actual card in my mail. However, the promo code was not applied to my credit card, and instead, they charge the interest rates from the day of opening. This is a very misleading and potential scheme to benefit this company, which is unfair to the potential customers.
Product: Checking or savings account

I went to XXXX to deposit money into my chime bank account since it was free. I deposited {$330.00}. That was in XX/XX/XXXX at XXXX. As i drove home, i got a notification from chime. I assumed it was to tell me that my funds were deposited. Once i got home, i took a closer look at the notification. It stated that {$320.00} was sent via XXXX XXXX and my new balance was {$12.00}. It was very upset. I didnt make that transaction. Since it was Friday, i knew it would be Monday before i could start my dispute with them. On Sunday night, XX/XX/XXXX, i called chime because the transaction was posted. Upon calling and verifying my identity, they started by dispute and issued me another card. They told me to be on lookout for the decion via email and gave me step by step on how to upload my documents to support my claim on the app. I did just that. On Wednesday, XX/XX/XXXX at XXXX XXXX  i received a email from chime stating they were denying my claim and saw no error. I called them to make a rebuttal. On that same day, atXXXX XXXXXXXX  they sent me another email stating my claim was again denied. I called them again to get it escalated. They said someone would email me at the end of the day and i can speak to them about my concerns. I never received the email. I called again on XX/XX/XXXX. and got the same thing. Someone would email me, no problem. I never got the email. I contacted XXXX on XX/XX/XXXX at XXXX XXXX  to be on the safe side to mabe see if they could track it by the amount or something. I was desperate. They couldnt do it that way and they stated because XXXX XXXX is an authorized payment service ( using XXXX XXXX  ), they couldnt do anything anyway. That same day i tried to do another rebuttal with Chime. I updated the information and sent it to the claims team. I was again denied at XXXX.
Product: Credit card

Dear Sir/Madam, JPMorgan Chase credit card is holding me responsible for the for the fraudulent charges. 
I really do not understand that why bank 's fraud department is holding me responsible for these charges and how come do they expect me to pay {$39000.00} which I never used and I should not be responsible for these charges. 

There is a clear evidence that these charges are fraudulent 1. Signature does not match on the sales draft from merchant. 
2. Why bank did approve large transaction for XXXX USD without any authorization from customer when transaction occurred outside USA? 
3. Bank 's fraud department must notify me either by email/phone/text for such a large transaction. I have not received any indication for these charges. I come to know when I checked my statement online after arriving to the USA. 
4. Do you think merchant should do their due diligence? they should check address on the driving license ( see attached ) when they are selling product. 
5. This is not my normal spending habit since I opened the card since 2011 6. Why chase credit card did not send any text alerts/email for such a large transaction? 
7. Why bank is not holding merchant responsible for these fraudulent charges? Merchant should check when he is selling {$220000.00} goods to the consumer. 
8. Fraud department had enough evidence which does confirm that I did not make these transactions. However, Chase bank is still holding me responsible for these fraudulent charges? Why?
Product: Debt collection

I was notified via phone of an outstanding debt from XXXX XXXX XXXX. The collect agency said they had mailed and called about the debt, however never recieved in communication until about XX/XX/2018. The debt was posted to the company web portal on the account. This charge was done after the lease had completed and all rental agreements had been met. 

I had no reason to log back in the portal after the end of lease and vacating the property. Once was made aware the {$100.00} was paid to XXXX XXXX XXXX. It has been removed by XXXX, however not by XXXX  or XXXX. Currently my credit scores are XXXX XXXX, XXXX XXXX and XXXX XXXX. There is a difference on 66 points on my  credit scores.
Product: Student loan

All the information they have provided turned out to be false. They keep making excuses and stalling. At this point my school has already sent them the refund but they keep denying this and have said they never received this. The last time they even sent my school the wrong refund and it took about a month and a half to get it resolved only for them to stall it longer.
Product: Student loan

I have been in the pslf program for years. Recently with the new limited waiver, I was able to have my payment counts update closer to forgiveness. I am now faced with them not looking into why some gaps are missing in my payment counts, as well as an ineligible payment listed that was covered by the limited waiver. I get a different answer why my account isnt being looked into every time I call. I am being told wrong information about my account. This lack of professional is leaving me with 4 months short of forgiveness close to when the payment pause will end. I have taught at a public school for almost 12 years. I know Ive qualified for well over my XXXX counts. I am a single mom of XXXX and will have {$900.00} a month in student loan payments when the payment pause ends if my account isnt updated in time. I am looking for some help, and mohela is giving none.
Product: Credit card or prepaid card

I received an email on XX/XX/2023 stating " Great news, your Shop with Points purchase has been processed and your point balance has been updated. '' indicating that Citi had redeemed XXXX ThankYou points ( {$12.00} value ) from my account towards a {$10.00} purchase at XXXX. I was confused by this as I did not ask for any point redemption and I certainly wouldn't lose 25 % of the value of my rewards, nor would I use them to make a purchase instead of earning new rewards on that purchase. 

I called Citi ThankYou customer service at XXXX today, XX/XX/2023, at about XXXX XXXX  XXXX to find out what was going on and to make sure it wasn't fraud. The representative informed me someone must have chosen the option to " shop with points '' at the point of sale terminal, and it turns out that my husband was tricked into using it when he made a purchase with his card. It was not clear that this purchase took more points than the actual value we can otherwise redeem them for, and also did not alert him that the amount " redeemed '' wouldn't count towards earning new points on the purchase. This is basically stealing rewards from the account in two ways and I never opted into it. I was told by the Citi representative that there was no way to remove this option from an account. 

What Citi is doing is tricking people into using their rewards for less than the promised value. I know that {$2.00} is an incredibly small amount, but this is just one example of probably thousands of transactions every day. Citi is using this new " feature '' to steal value from rewards they promised to their customers, giving us less value and not even giving us a way to opt out and avoid being confused by prompts when checking out at a store.
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 Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX  : Account XXXX Account Name XXXX XXXX  XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2022 XXXX 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.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I received a recent copy of my consumer credit report and noticed some unauthorized inquiries and COLLECTIONS that I did not authorize nor benefit from. Please block and remove this fraudulent activity from my credit report as it hinders me from moving forward in my life and also damages my general reputation.
Product: Checking or savings account

My business partner and I opened 2 business accounts at a chase branch in XXXX, GA on XX/XX/year>. On XX/XX/year> I had three casheir checks made at my previous bank and carried them for deposit at the Chase branch. ( XXXX, XXXX and $ XXXX ) they were all deposited in one account. Later I did an online transfer for the XXXX from one account to the other. Again both partners own the two entities and accounts were open at the same branch on the same day. The funds were put on hold, the account was suddenly closed without notice. I inquired with Chase at eh branch and they said it was suspected fraud and that they sent one email to that effect. Now, 4 weeks after the deposit was made and I am yet to receive my $ XXXX. Chase would not explain why was it help and I have spent several hours this week and last week at the branch and on the phone with no answer. The branch staff including the branch manager say that they are puzzled and have no control over this nor do they have any authority to give me my funds back. The customer no service lines transferred me today from one department to another 5 times and I wan on the phone for 2:34 minutes. Still no one can tell me why the funds are held or how I can get my funds back. Chase has been holding XXXX of my funds that I need to do business with absolutely no reasonable explanation or any desire to help or resolve the issue.
Product: Debt collection

I have an account listed on my credit report as Cap One Auto for quite some time now. I began disputing it when I realized it was reporting on my credit inaccurately and inconsistently. I have never received any form of response back from them. All they've is update my credit report to say that the account was in dispute and is now resolved. I have received nothing substantial on how they came to own this debt. On XX/XX/XXXX, I asked for specific documents which i will include as proof. I asked them to respond to me with in XXXX days. I know my rights and this is a clear violation and I was determined to fight this. I sent out another letter on XX/XX/XXXX letting them that they failed to send me any requested documentation to satisfy the validation of this debt and requesting that they remove it from my report. They never responded to my request! I gave it some time to see if maybe they would update the credit bureaus to remove it but nothing again. XXXX XXXX I sent in a request again, simply stating that I want an itemized statement breaking down the balance I owe, which is well within my rights. I don't know how they continue to report this account and say that the dispute has been resolved when not once in over 8 months have they responded to any of my requests.
Product: Debt collection

CMRE has credit reported XXXX accounts on my credit report without appropriately disclosing that adverse remarks were going to be placed on my credit report. I was never notified nor given the opportunity by either the original creditor or CMRE to pay my debt to them before it was sent to collections and subject to remain as an adverse remark on my credit profile for over 7 years. This long term credit score damage is severely crippling as a consumer, and subjects me to less than favorable terms for financing. 

This is an unjust practice that misrepresents my true credit worthiness. 

Since the integrity of the credit reporting system is important, errors like this should be resolved immediately and investigated thoroughly. On several occasions, I have documented communication with CMRE regarding there failure to properly disclose that I owed them any monies, that there clients also failed to send a bill, thus I was robbed of my opportunity to rectify this situation in a time frame that would have resulted in no long term credit damage. 

I have sent three written communications to CMRE explicitly detailing my concerns. One response was completely inappropriate and seemed like an auto-generated form letter that did not in any way respond to my concerns, and the other times they have completely ignored my requests. Therefore, I have no choice but to seek the assistance of the CFPB in order to have my concerns heard and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to obtain a mortgage and reviewed my credit report for inaccuracies. I sent the below certified letter to the company after I received no response to my  first two certified let ters to dispute the account : " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for o n  X/XX/2017 . I  have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Sectio n 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by n ot placing the disclosure within the requ ired 30-day period. As you  have violated federal law, by not properly providing the credit bureaus with proper notice within the required time-frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inacti on ) on your behalf may result in a small claims action against your company. ''