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

My dispute is with Chase Card Services Original Claim # XXXX New claim # XXXX I have been trying to get rid of a double charge from XXXX XXXX in the amount of {$990.00}. 

XX/XX/XXXX Statement TOTAL= 2 charges and 1 credit for {$990.00} XX/XX/XXXX Statement TOTAL= 1 charge for {$990.00} XX/XX/XXXX Statement TOTAL= 1 charge and 1 credit for {$990.00} XX/XX/XXXX Statement XX/XX/2018 I was charged a late fee once for {$25.00} for not paying the disputed DOUBLE charge. Please remove the fee. 

GRAND TOTAL= 4 charges and 2 credits THERE SHOULD BE 3 CREDITS. I SHOULD NOT HAVE TO PAY {$990.00} BECAUSE I ALREADY DID. 

This is ridiculous. I received a service. I paid for it. I paid my credit card bill. And I keep getting charged again and keep disputing again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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, 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.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I called a company R3 Processing to help me get a lower payment on my student loan. I completed an application with them and they gave me a username and password to the federal student aide website to check on my loan. The account manager who was handling my case said my payment would be {$74.00} a month. {$49.00} going to XXXX XXXX who they borrow money from to do the work for me and {$25.00} towards towards my student loan. I kept calling them about my application which they said could take up to 90 days. 90 days passed and they kept telling me my application was still being processed. Meanwhile I have been getting money automatically withdrawn from my bank account for {$49.00} by XXXX XXXX. I called XXXX XXXX and they told me R3 Processing said their work was completed. They said for consolidation. They did not consolidate my student loans. This was done in 1996. R3 Processing was to help me lower my student loan payments. They did not do this work. I have tried to call them many times and have left voice mails but have not received a call back.
Product: Credit card

My problem Is not that I got denied for the Amazon Credit Card.

But it was in black and white that a hard inquiry will only be performed and credit dinged only if you get approved and accepted. If you dont get approved there is no hard inquiry. I read this on more than 1 site which is why I applied. Therefore This inquiry needs to be removed ASAP. I have over XXXX fico and beacon scores and Im not gon na let people who dont care pull it down.

Furthermore several Months ago I had XXXX  cards through synchrony ( each had XXXX limits and were regularly being used but I kept low limits. XXXX morning out of the blue synchrony decided to cancel all XXXX with no explanation other than I was a high risk, whatever that means.. Again my score then and now was nearly XXXX with no late payments ever. They said that they saw that XXXX  years ago I had a belk charge off. Well that should have been seen before giving new credit for belk and amazon as well as XXXX XXXX  American eagle and XXXX. Im angry and I want something done about this Also I would like to be pointed in the right direction for scenario number XXXX. Bc I plan to sue them if thats possible. Its not about the cards/money anymore just about the fact that big companies decide they can do whatever. If I have to get a lawyer with this case I will. I will spend money out of my own pocket to See the correct thing happen. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of last payment is missing and the date of last active is not consistent. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off account from XXXX XXXX on XX/XX/XXXX that has been reporting inaccurately. At the time of the charge off reporting I was going through the settlement process for my vehicle being defective. I was no longer in possession of the vehicle, however the dealership sold it to another consumer without noting the defects and then close my account out as a early lease termination. I was advised by XXXX settlement team to leave the vehicle at thus local dealership in XXXX XXXX California in XX/XX/XXXX. In XX/XX/XXXX I was reimbursed by XXXX XXXX & the FCA as the vehicle was a lemon. They did not process the buyback correctly and instead wrote it off as a charge off on my credit report. I have given everybody copies of the release agreement as well as copies of the settlement check. However, three years later it is still reporting on my credit card resulting in me getting disapproved for financing. Additionally I have given this information to XXXX, Trans Union, and XXXX who have not taken action Everybody is pointing their fingers at each other and sending me in a three-year loop. There should be no question as I have documentation from my FCA case
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXXL XXXX XXXX XXXX XXXX ) -, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$1100.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. Fraudulent Activities has been reported. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Comenity bank/XXXX  XX/XX/XXXX
Product: Checking or savings account

Capital One issue with direct deposit. Should have received paycheck direct deposit by the XXXX. I live pay check to pay check and currently no funds for gas or food.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy Reference # 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account XXXX XXXX, account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report and notice that their was multiple inquiries I did not authorize. I then proceeded to contact the company who ran my report and ask them to delete the inquiries and I was advised to contact the Credit Bureau so they can dispute the inquiries and take them off. I sent out a multiple removal inquiry letter to all   3 b u reau 's and received notice on XX/XX/XXXX  that they can not dispute the information for me until I contact the company who ran my report to delete them. Which is why I sent out the letter to them because I had already contacted the companies with no success. These inquiries have no active account or contract. Below are the bureau 's i attempted to dispute these inquiries that were not authorized along with the company name and date.  <P/>  XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX / XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX  / XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX /  XXXX     XX/XX/XXXX   XXXX /  XXXX    XX/XX/XXXX   EXPERIAN   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX  /  XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX /  XXXX     XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX / XXXX   XX/XX/XXXX  XXXX /  XXXX    XX/XX/XXXX   XXXX / XXXX  XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX / XXXX   XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  AND  XX/XX/XXXX   XXXX   XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX , XX/XX/XXXX  AND  XX/XX/XXXX    XXXX   XXXX     XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX , AND  XX/XX/XXXX  XXXX /  XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX /  XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX , AND  XX/XX/XXXX    XXXX     XXXX    XX/XX/XXXX , AND  XX/XX/XXXX  XXXX / XXXX   XX/XX/XXXX  XX/XX/XXXX  AND  XX/XX/XXXX   XXXX /  XXXX     XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX
Product: Mortgage

I submitted a refinance application with Interest Mortgage, I reviewed the application several times with the loan officer and i repeatly state my interest in only paying for an Appraisal if and when I was conditional approved and the appraisal being the only item needed to clear and approved my loan request. The loan officer stated several times, that he will only ask me to pay for it, if that was the only thing keeping the loan from clearly/approved. After several delays, my applciaiton being reasigned to another processor and many emails to obtain a status. I finally after several weeks of waiting, recieved a conditionally approved mortgage with the only items to clear, being statement of debt that I would pay off at closing and the appraisal. I was quote {$530.00} for the appraisal, which i paid for and after waiting several weeks for an appraiser, i received an email stating that my appraisal cost increase and I would need to pay the difference of {$65.00} dollars, I ask questions and ask for proof which none were provided. In the middle of this, my processor was change and out of the blue, i received a call from the worst appraiser in the country to schedule an appraisal. I reach out to the processor and was inform the company would pay the difference, that is agains the law for the mortgage company to pay for an appraisal for any type of loan. XXXX XXXX XXXX. After waiting several weeks, i received a letter from the compay stating my loan was denied due to insufficient income to loan. Which was something that was clear from the beginning of the applicaiton process. 

I have ask the mortgage company for the refund for the appraisal since, i have mutiple times request that i would only pay if my loan was required as the final items for final approval. this mortgasge company stole my money and send a bogus appraiser to conduct the appraisal that was corrected two times.

I am asking for a full refund of my {$530.00} dollar i pay for a services I did not recieveed as expected.
Product: Credit reporting or other personal consumer reports

On XXXX the XXXX of XXXX and XXXX the XXXX of XXXX someone tried to get a credit card from XXXX XXXX  XXXX without my permission I have found a police report and there's nothing that they can do about it at this present moment because they have no idea who stole my identity this is not the first time this is the second time this thing happened to me I'm trying to give me a car and I can't get a car because of all of these inquiries on my TransUnion account I'm trying to get all of this situated and if you can help me please thank you
Product: Debt collection

On XX/XX/2023, I sent in a Lawful Notice of Dispute, I gave the company a period of XXXX ( XXXX ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property.
Product: Payday loan, title loan, or personal loan

I have been a long-time client of Mariner Finance, and recently had to get an additional loan with my car as collateral along with personal items, and have always been up to date with my loan payments. This month due to medical issues and unexpected home repairs, I was several days late in mailing in my payment, so Mariner Finance called me 3 days in a row to harass me about my payment. I explained to them that I had already mailed in my check, and gave them the date, number of he check, and the amount. Told them I have no control over the mail, and there was no reason to call me 3 days in a row harassing me about my payment, since it was only several days late, not even a month.
Product: Checking or savings account

In XXXX of this year, my wallet was stolen while I was with a group of friends at a club. It did not occur to me that it could have been stolen, I just assumed that it was misplaced as I have a XXXX year old daughter and its happened before. I needed to make a payment for my daughters daycare and upon the attempt it was denied as my bank account was frozen. Upon further research, it was clear my account was compromised with multiple checks cashed into the account and funds withdrawn. I immediately called my bank, Chase, and after days of run around finally got them to file a dispute of the unauthorized cashed checks. The most recent check was flagged and I was told that my bank account was set to close and the check would be returned. Not that it mattered to me as those were not anticipated funds regardless, I was primarily concerned about the retrieval of the funds from my job check which was needed to pay for my daughters daycare. I had to go into the Chase branch and they assisted me with opening of a new account an retrieval of my direct deposit. They assisted with the creation of a new online log in as my whole account was compromised. It is now XXXX and I am being told that they are collecting the balance of said check that was supposed to be returned! As well, I also received a letter in the mail noting that the investigation on their end was complete and no further action was necessary on my part. This letter was mailed to me a couple weeks after the initial claim I filled in XXXX! I am a single mother, working part time and enrolled in school and I spoke with Chase and they are adamant that their investigation is correct, now XXXX months later, and I am to owe them over {$2000.00} from a fraudulent check that I was told was going to be returned and was never returned on their end! They are not helpful at all, I spoke with XXXX and XXXX both who did absolutely nothing to rectify the situation. XXXX citing the case is closed sweetie in the most condescending manner. Ive been a customer of Chase since they were Washington Mutual and never have I had to deal with this type of treatment.
Product: Credit card or prepaid card

I have an California EDD Debit card from bank of america. Someone captured my card and pin around XX/XX/XXXX and made 4 separate withdrawals over 4 days totaling {$3500.00} and drained my account. The bank is claiming I made the withdrawals but I never did. They have never fully investigated it and are claiming it was me when I was not in the area at the time. They keep closing this investigation without looking at any evidence
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies properly investigate my disputes. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On XX/XX/XXXX, my paycheck deposited into my checking account. Some auto pay transactions were pending and with them pending, my available balance was adjusted to reflect the funds available. I was positive. I called the bank to validate the information in which they did. I went through the whole week and XXXX business days later, transactions posted to my account that must have disappeared and overdrew me over {$400.00}. When i called customer service, the banker said i was always negative when i kept using my debit card. This was not accurate. I had contacted the bank multiple times during that week and did screen sharing sessions that would show the positive balances during the time they claim I was negative. Also the phone conversations/automated calls that reflect positive balance as well. The following direct deposit on XXXX brought me current after the checking account was brought current. I had enough money to make a few bill payments. The money deducted from my checking account as normal and i was able to maintain a positive balance. At some point my checking started to reflect a negative balance in which i was given an over draft fee of {$36.00}. As days passed, i would see my bank account reflecting a positive balance and finally on XX/XX/XXXX, XXXX transactions posted that put me at - {$9.00}. Somehow they charged me FOUR overdraft fees and when i went into the bank to address the fees, they said the type and amount of transaction can result in the issue of overdraft fees. At the time i didn't realize that i only had two transactions that were resulting the four fees. At the time i had another transaction pending for Internet payment and on XX/XX/XXXX, that payment posted and i was charged a fifth overdraft fee. I have no idea how they are calculating when to charge the fees but the fees exceed the amount of overdrafted transactions. They claim to have started an investigation but i did not see them take the steps to do this. 

I also have multiple transactions currently pending from merchants that i have placed stop payments on which has also resulted in deduction of available funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on the XX/XX/22 to apply for an aparment I ask for the requirements for that and I got told the they run the credit and we need to make 3 time of rent to get the place Okay on XX/XX/22 we did the application but I call the person and I told them clearly that my incomes was high but my credit low and if that its still not qualified for that the lady told me thats fine how many people is apply i told her 3 but 2 of them didnt make enough money and the 3 person who is my mom shes not income but good credit she told me well thats okay you can qualify I need you to pay XXXX dls fee plus XXXX dls for deposit and hold the place ntill we do all the process after one week no call on XX/XX/22 we call they said yeah you can get the place today I just need some information we wait on XX/XX/22 at XXXX am they call me to tell me the they didnt run my credit and the we got denied when they told us were going to get the place and when i call they told me first the it was one of my roomates credit the they were to call to see because an fraud alert and at XXXX the same day i call and they told was because of my credit but my credit was frozen thats why they got that alert now we didnt get the place and we losse the money
Product: Credit reporting or other personal consumer reports

My information with EQUIFAX has been breached here is the proof and they refuse to delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency XXXX XXXX XXXX, Original Creditor Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account Number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Number XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX