23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am submitting this second complaint to the CFPB regarding an unresolved fraudulent transaction on my Chase Amazon XXXX Visa credit card ending in XXXX. Despite providing evidence and filing a previous complaint, Chase has failed to resolve this matter satisfactorily. 

Sequence of Events : On XX/XX/XXXX, an unauthorized transaction of {$840.00} was made by XXXX XXXX on my credit card. 
I reported the fraud on XX/XX/XXXX, and a provisional credit was applied to my account. 
On XX/XX/XXXX, Chase reversed the provisional credit and the fraudulent charge reappeared on my account. No proper notification was provided, and the result was only available in a hard-to-find message center on their website. 
I called Chase on XX/XX/XXXX to appeal the decision. The representative admitted the communication issue and reopened the investigation after I provided additional commentary : a ) The transaction is inconsistent with my account history, as I only use the card for Amazon and XXXX XXXX purchases. b ) A matching IP address alone is insufficient evidence, as devices can be hacked and IP addresses spoofed. 
I filed a complaint with the CFPB, to which Chase responded on XX/XX/XXXX, closing the case with an explanation that the XXXX address matched my records. They failed to address my additional evidence and commentary. 
On XX/XX/XXXX, I called Chase at XXXX PM after receiving an incorrect letter stating the appeal was decided against me, despite the open CFPB complaint. The representative was unprofessional, disrespectful, and provided conflicting information about the status of the appeal. She claimed a callback would occur but it did not. 
Additional Evidence : I have attached screenshots proving my passwords were at risk and involved in several data breaches, supporting my claim that I was likely hacked. 

In conclusion, Chase has failed to properly investigate this fraudulent activity, provide clear communication, and address the additional evidence I have submitted. They continue to hold me liable for an unauthorized transaction based solely on a matching IP address, which is insufficient proof. I request that the CFPB intervene to ensure Chase fairly resolves this dispute, credits the fraudulent charge, and implements better practices for handling fraud claims and customer communication. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I did not consent, authorize, nor benefit from any of the following inquiries. Please direct LEXIS NEXIS to block and remove them from my consumer report : 1XXXX XXXX XXXX XXXX 2 . XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX I have already mailed a copy of my identity theft report and identification to LexisNexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report to find XXXX XXXX has several error on my report. It is missing the account type for XXXX, it is showing a charge off XX/XX/XXXX - XX/XX/XXXX on XXXX, yet it shows Paid on XXXX. It also is reporting as charged off while showing a current due balance. A charge off means they took the tax break already, so they can not also collect on said debt. 

Under FCRA ( Fair Credit Reporting Act ) section 609 I have the right to dispute any and all incorrect information being reported on my consumer reports which I am exercising with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint last XX/XX/XXXX, containing disputed items that I want to be deleted. Here is the list of items that I want to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consider this as a follow-up to my previous complaint to make sure the listed items are removed.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to them to release my information. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Product: Vehicle loan or lease

I entered into this contract agreement with ALLY BANK without 1 ). Full disclosure of my right to rescind. 2 ). Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that ALLY BANK AND XXXX XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. I gave them a negotiable instrument legal tender of payment for the full amount of the loan. Also, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint against CREDCO has left Unautorized hard inquiry on my credit after reviewed and i already left fraud alert with three credit bureaus companies in the US on XXXX CREDCO Mortgage Reporters Inquiry date : XX/XX/2018 CREDCO Mortgage Reporters Inquiry date : XX/XX/2018 2018
Product: Debt collection

I have disputes this debt numerous times with XXXX credit bureaus, and also have sent numerous notarized letters to this company, I have never receive a response back, and before I get to the point that I can't no longer dispute on the bureau anymore and contacting this company is very frustrating, they have three addresses listed and I've sent numerous notarized letters to all three addresses to let them know that I am disputing this debt because it does not belongs to me, but I never receive a reply from the company. I don't know this company and I have never done any business with them. I have never receive any letters or email or phone calls from this company that mess up my perfect credit I have been keeping up with over the years with credit cards and loans with their fraud collection, I called the hospital they put cause I have not been there, they said they have nothing on me, try to contact the collection agencies, I have put everything on hold to get this resolves but no action is taking place on this company part to remove this. They need to remove this ASAP. Thank you They also provide two account number, one is XXXX and the other is XXXX, The addresses that I sent to is Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX, SC XXXX phone : ( XXXX ) XXXX Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX, SC XXXX So yes I'm pretty sure they receive the disputes
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

Chase had made no attempt to modify my loan. Was even laughed at ( yes-in person at the bank! ) when I asked to have my loan modified. Since, I have had increased fees and even accusations of fraud with demand for replacement and service fees. A second attempt was made last year - they refused. I did NOT pick the mortgage company-the loan was sold back in 2010.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a fraudulent credit inquiry on my credit report that needs to be removed Inquiry : XXXX Inquiry date : XX/XX/2022
Product: Checking or savings account

On XX/XX/XXXX, I saw an ad for a US bank promotion while browsing the internet. The promotion was for an {$800.00} bonus when opening a silver or higher business checking account with US bank. 

The terms stated a XXXX deposit within 30 days, maintained for 60 days using promo code XXXX. As I filled out the application, the code was auto-populated. I confirmed everything was good and submitted it. I was approved that day. 

Within 30 days I deposited XXXX XXXX and according to the terms of the promotion, the bonus should have arrived by now. 

I contacted the call center on XX/XX/XXXX and they claim XXXX is attached to my account and that it expired XX/XX/XXXX, 6 days before my account was opened. I believe there must have been some mistake. 

Considering this and that the promotion is ongoing with XXXX, the same code that was entered when I filled out the application and the same terms I agreed to, Id ask for the terms to be honored. I have completed all of the requirements.
Product: Credit card or prepaid card

The Platinum Amex card gives a {$50.00} credit every 6 months for purchases at XXXX XXXX XXXX. After confirming my card was enrolled, I made a qualifying purchase on XX/XX/XXXX. 

For separate reasons, I contacted Amex on XX/XX/12 in order to close my card. This was the last possible date where I could close the card and still receive a refund of my Annual Fee. 

Despite the fact that I met the criteria for my {$50.00} reward, the company refused to give me the credit before my card was closed. They also refused to give me a different, general purpose credit ( which they have done multiple times before when other rewards like the XXXX benefit were not functioning correctly, or as a general apology for poor service ), and they refused to extend the date that I could cancel the card and still receive a refund of my annual fee. 

The net result is that Amex has not provided a stated benefit of the card, despite me fulfilling the spending obligation and contacting the company to try and resolve the issue - I was even flexible with 3 different acceptable alternatives. I am now contacting the CFPB for what UDAAP issue
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX is a scam looking for peoples or my information and full ss # then hanging up and pulling a hard inquiry on credit score and disappearing.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is a formal complaint that TRANSWORLD SYSTEMS INC are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.
Product: Credit reporting or other personal consumer reports

this information was disputed back in XXXX  XXXX XXXX XXXX. this was disputed and cleared from all three credit bureaus, and recently but back on my credit report, this was theft and people got credit in my name without my permission, remove permantely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX  XXXX XXXX AND EQUIFAX FRAUD DEPARTMENT XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX. XXXX XXXX {$250.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and hard inquiries , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report
Product: Credit reporting or other personal consumer reports

Equifax dropped my credit score by XXXX points on or around XX/XX/2024 for no reason. 
My balance had actually decreased then which should have resulted in an increase in my score.
Product: Checking or savings account

Since XX/XX/XXXX I have been asking Bank of America to stop all automatic payments. Now I have 36x {$35.00} NSF fees and they are still adding up. 

First the bank told me the payments will still go through but I will be charged the {$35.00} NSF fee. 

No the payment is not going through, and they are bouncing the payment and still charging {$35.00} for return check fee. 

The Businesses keep trying to charge, and they keep bouncing and charging me. 

Bank of America is so wrong for this.
Product: Debt collection

Cavalry Portfolio Services has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that Cavalry Portfolio verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Cavalry Portfolio also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent a ftc report dealing with fraudulent accounts on XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX ) and ( XXXX XXXX ) and one of the XXXX XXXX was deleted but not the other and they have the same account numbers just removed on XX/XX/XXXX. both XXXX XXXX and XXXX XXXX are reporting as delinquent accounts, those being fraudulent accounts that cant be possible damaging my report by reporting false info. According to fcra a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. FCRA RIGHT VIOLATED! Please fix
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, a utility collection account with XXXX XXXX opened on XX/XX/XXXX, a utility collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and an apartment-related collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

I received a call from XXXX which belongs to a Portfolio Recovery collection agency. They left no message. When I checked my credit report this appears to be an old XXXX XXXX credit card through XXXX Bank? I believe that this paid in full through a third party years ago as I do not have an account with them now. I have not received any written notice of this attempt to collect this debt and I will request that they Cease and Desist any further collection attempts.