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

On Sunday XX/XX/2018 at XXXX XXXX. I was purchasing a XXXX gift for my wife from my on our XXXX CHASE Visa ( XXXX ) but they declined my transaction from XXXX XXXX online for {$450.00}. I had the card in my possession. They text my wife fraud alerts to her cell phone. That was unfortunate but I get it. I called into their fraud depart. After getting a fraud rep on the line, I completed authentication via IVR and Rep. My wife is the primary and I'm an authorized user on the account. After the rep put me on hold for 10 minutes, the person said they can't help me because I didn't call in from my wife cell phone. I escalated to a manager XXXX in XXXX, IL. After authorizing me again, advised that only the primary can make changes. I was just trying to find out why the put my account on hold. I have more than enough in my credit line and authorized on the account. I then asked to obtain their CRM transaction number and she would not provide this. I asked how to file an official complaint online or on the phone but she advised that only way to do this is by sending a letter to XXXX XXXX XXXX XXXX, OH XXXX. When asked who reference numbers I can use she said none. She then put me on a 25 minute hold to come back to say she can't help me. Both the team member and the supervisor where unprofessional and could not explain the policy to me to correct the situation. They said they could only talk to the Primary. So I went ahead and woke up my wife and instead of authenticating her, they said they will not and she will have the fraud department call us back. Why, well they never said on advised of any internal policy. I totally understand fraud issues and want to work these out with the company but this was way out of bounds and they could not advise me on how to clarify the situation. So, special thanks to XXXX Chage Visa for wrecking my wifes XXXX   gift. I asked that someone from your organization could help out to correct the situation so no consumer runs into this problem again.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE THESE TRANSACTIONS LET ALONE DO BUSINESS WITH THESE COMPANIES. THEY WERE CAUSED BY IDENTITY THEFT/FRAUD AND ARE NOT CORRECT. PR 15 USC 1681 B FOR THAT REASON THEY MUST BE REMOVED OR ELSE I WILL BE FORCED TO TAKE LEGAL ACTION.
Product: Money transfer, virtual currency, or money service

I was a victim of fraud for a total of XXXX. I was believed to be talking to a chase representative. The fraudsters manipulated the app, they added accounts under my name that werent mine, they sent me texts using the chase app, they authorized themselves using the chase app, and I was manipulated to believe I was speaking to chase because they followed the entire protocol. 
I was 100000 % believed I was sending money to myself and I have proof of it. There was never any intention to send money to someone else. I called chase seconds after realization, and their first response over the phone was NOT to close or freeze my accounts. I had to go to a branch to speak to someone directly. Banking with chase I do NOT feel safe. I have a personal AND business account and I dont feel safe making any transfers. 

Ive called the executive offices and the manager refuses to give me the information to her boss. I need my case to be reached to higher ups. I promise you, I will not quit. 

I will make 100000 more complains and 100000 police reports. I am try my hardest to take my case to the news, and I will 100 % be telling my story to social media in hopes someone will hear and fear to bank with Chase unless I am helped. I am a small business owner trying to to run a successful business without that XXXX but it is so hard. 

Chase, you are the number 1 bank in the United States. You have the means to help me get my money back.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed a debit and requested validation within the 30 day window on XX/XX/2016. I sent the letter via fax ( I have the confirmation ) and mail. The collection agency sent me a letter stating I was being non-compliant on XX/XX/2016. I sent a second letter requesting the validation on XX/XX/2016. The collection agency has not yet provided the requested information and continues to call me everyday some times as much as 4 times a day and telling me that they will not send the information and that my dispute is denied.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. XXXX XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Debt collection

I tried to cancel XXXX XXXX several times thru the bank. Each time they gave me another phone # to call & each time I was rerouted several times & on hold for multiple hours. 
I closed my business account & thought this would close the merchant services. 
I received a collection letter for {$170.00}. It was {$27.00} for XXXX XXXX XXXX  {$150.00} for the collection company. 
I never used their service.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer. 

Inaccuracies : XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXXXXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REFER TO YOUR CREDIT REPORT XXXX XXXX XXXX XXXX 
PLEASE REFER TO YOUR CREDIT REPORT XXXX XXXX XXXX XXXX PLEASE REFER TO YOUR CREDIT REPORT
Product: Debt collection

XXXX i sent in a debt validation letter asking that they send me a copy of the dept with my signature on it .i asked that i receive all original documents. I have never received anything but a lot of phone calls.UPON SEARCHING THE TEXAS SECRETARY OF STATE DATA BASE NATIONAL CREDIT SYSTEM IS NOT LEGALLY BONDED TO COLLECT A DEBT IN TEAXS.
Product: Debt collection

XX/XX/2018 Account type Collection Original balance {$920.00} This Medical Account was sent into Collections and I have no knowledge of this Account..
Product: Debt collection

Credit Management LP has reported an inaccurate address on all three credit bureaus as well as reported different account numbers ( the four digits of account numbers provided to each credit bureau ). The last payment for the collection is XX/XX/2021 and the first date of delinquency is listed as XX/XX/2021 which is inaccurate - I have never lived at the reported address nor have an open account with the original creditor during this time period ( furthermore I have a credit alert on all 3 bureaus and any new accounts should have been confirmed with me before opening ). I have disputed with XXXX and XXXX on XX/XX/2021 - both bureaus have contacted Credit Management LP which is still certifying that the inaccurate information is valid. XXXX responsibly removed both the address and the collection account after verifying the reported address was not tied to any other of my accounts. All three credit bureaus have deleted the fraudulent address reported by the collection agency, however XXXX and XXXX will not effectively do their due diligence to look further into the other inaccuracies reported.
Product: Student loan

I am in XXXX school seeking an in-school deferment for payment of XXXX student loans. My lender, XXXX/MOHELA, refuses to accept enrollment verification from the XXXX XXXX XXXX  or the XXXX XXXX XXXX XXXX XXXX as support for an application for in-school deferment. XXXX/MOHELA requires that a representative from my current school fill out and sign part of the deferment application to verify enrollment. However, my school contracts with the XXXX XXXX XXXX to be the sole provider of enrollment certifications and, therefore, will not fill out the XXXX/MOHELA form because of contractual obligations. The registrar at my school has dealt with my lender on multiple occasions and has told me that XXXX/MOHELA will begin to accept the XXXX and XXXX   data as proof of enrollment. XXXX/MOHELA still refuses to accept my deferment application without a signature from a school official. 

Apparently, private lenders should be able to view enrollment, and my lender has in fact viewed my enrollment, on the XXXX   website. My school and the XXXX XXXX XXXX notified XXXX/MOHELA of my enrollment each and every semester. This has been an ongoing issue for two years. 

Initially, XXXX/MOHELA told me that XXXX and XXXX   data is only acceptable to public lenders, not private. After the registrar 's office at my school told my lender that what they told me is incorrect, XXXX/MOHELA now denies my in school deferment application simply because they do not accept verification from third parties. The form of verification I provide is acceptable and proves that I am currently enrolled full-time and in good academic standing, however, it is just internal policy at XXXX/MOHELA to refuse such verification. The repeated denial of in-school deferment has led to increased payments, late payments, and negative reporting to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Regional Acceptance Corporation regarding my vehicle loan reaching its end of term but I still had a balance. I spoke with a Collector Rep from the organization by the name of XXXX XXXX in which she offered me a Renewal/Reschedule as long as I agreed to the terms. I verbally agreed to the terms and conditions the same day and was sent a Renewal/Reschedule Form to sign in which both my husband and I signed and returned to XXXX via email on XX/XX/XXXX in which she responded that the document was received and approved. 

Based on the new loans terms. My first scheduled payment would be XX/XX/XXXX with a new payment amount of {$370.00}. I confirmed with XXXX and multiple CSR 's that I would be skipping my XX/XX/XXXX payment. All confirmed that XX/XX/XXXX ' payment would be skipped. I made my XX/XX/XXXX before the due date XX/XX/XXXX. 

In XXXX of XXXX I received an alert from all 3 credit bureau 's that my Regional Acceptance has reported that I was 60 days past due for XX/XX/XXXX and 90 Days for XX/XX/XXXX. I filed disputes with all 3 credit bureaus in which XXXX and XXXX removed the negative information internally because Regional Acceptance failed to respond and update inaccurate data. 

XXXX has failed to removed the inaccurate data or get a response from the Regional Acceptance even though my credit reports proves that this information incorrect. I have tried calling the Regional Acceptance customer service line on multiple occasions and no one in that department no how to reach the disputes department. These late payments has seriously hurt my credit rating including getting me denied for credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX  # XXXX XXXXXXXX XXXX 
Re : Dispute of Fraudulent Accounts and Identity Theft I am writing to dispute the fraudulent accounts on my file and assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I assert that : 1. The accounts on my file are a result of identity theft ( 15 U.S.C. 1681c ) 2. The information on my file is inaccurate and incomplete ( 15 U.S.C. 1681e ( b ) ) 3. You have failed to conduct a reasonable investigation of my dispute ( 15 U.S.C. 1681i ) I demand that you : 1. Immediately remove the fraudulent accounts from my file 2. Conduct a thorough investigation into the identity theft 3. Provide me with a corrected copy of my credit report Failure to comply with this demand within 30 days will result in further action, including : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Pursuing legal remedies under 15 U.S.C. 1681n and 1692k Seeking damages for violations of the FCRA and FDCPA Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that were opened in my name with XXXX XXXX without my knowledge or authorization. I am an identity theft victim and did not open or approve these accounts myself. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. I am requesting that the CFPB take the following actions : XXXX ) Investigate this matter and ensure the immediate removal of any XXXX XXXX  accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( XXXX, XXXX, TransUnion ). 

XXXX ) Require XXXX XXXX  to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

XXXX ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

The FCBA states that upon notification of potential identity theft, creditors must cease collection efforts and resolve the dispute within 30 days. The FCRA gives me the right to dispute errors on my report and requires credit bureaus to investigate any items I dispute within 30 days. 

I have enclosed copies of the identity theft report I filed with the Federal Trade Commission and my local police department. This documentation verifies that I am a true victim of identity theft. 

Please promptly investigate and take the requested actions. I am an innocent victim and should not be penalized for fraudulent accounts opened through no fault of my own. Let me know if any other information is required to resolve this matter. 

Thank you for your attention to this serious identity theft issue. I look forward to receiving an update from you within 30 days on the outcome of your investigation and actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  is XXXX  credit card which was transferred from XXXX  . This account is reporting various erroneous open dates and its reaching an account which was discharged through Chapter XXXX. Then tried to Chargeoff account which was purchase by another lender XXXX XXXX, XXXX  which dont have this account.
Product: Money transfer, virtual currency, or money service

Companies : Wells Fargo, XXXX, XXXX  Date : XX/XX/2018 Subject : Event ticket scam facilitated through XXXX Amount : < {$300.00} Problem Summary : Actions and Inactions which facilitated scammer protections I was a victim of an event ticket scam where I transferred money from my Wells Fargo account via XXXX  and the seller went dark as soon as the transaction was done. The sellers account was at XXXX. I called Wells Fargo and explained there was no fraud or mistake on the part of Wells Fargo in the sense that I knowingly transferred money through XXXX. I was surprised Wells Fargo credited my account - they explained that the money would be reversed if there was no " fraud '' ( or some such concept ). This was claim XXXX. I followed up several times, not so much for the money, but because I wanted the scammer to be stopped. Wells Fargo eventually closed the case and deducted the money from my account that they originally credited as they found no evidence of wrong on their part. Well, no kidding - alot of wasted time & frustration all around - While Wells Fargo had no obligation to make amends, the situation was what I explained at that first call. I pressed them for options on what to do and they said there were none. They did disclose to me that the name I specified on the transfer was *not* correct but obviously the email address was correct.

I didn't care about the money so much but wanted justice for the perpetrator.

I contacted XXXX through their support portal stating that this perpetrator was in violation of their end user agreement - that you would not use XXXX  for illegal means- but did not even get a courtesy of any reply.

Why is it that financial privacy laws are allowed to protect people that use their services for illegal activities such as this?
Product: Mortgage

Our mortgage was paid off on XXXX XXXX, 2016 with Ditech. On XXXX XXXX, 2016 our payment amount was automatically withheld, and we received a notification that the refund would be processed within 20 days. The refund still has not been processed and each representative that I have spoken with since XXXX XXXX has provided a different story. XXXX representatives, XXXX stories. Today I was told that the money is escrow. A second re on the same day said the check was released on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX to ask them if they had their own visa personal or business credit card. The bank representative said they offer credit cards through XXXX XXXX XXXX. The web site appeared to be an older application website, I thought it was a pre-approval application. Instead XXXX XXXX XXXX pulled a hard inquiry and I was informed that they pulled my Trans Union credit report. I did not receive confirmation of the denial. I contacted XXXX XXXX XXXX about the reasons of their decision, based on the information supplied by Trans Union, including reasons of the basis of their decisions included balances reported on my deferred federal student loans that generated a debt to income ratio above the payment plan I am under. Even after review/consideration XXXX XXXX XXXX refused to grant or extend credit. Even after I expressed that the information supplied by Trans Union was inaccurate, incomplete and or misleading. I asked them to exclude the student loans into their decision and they refused. The application procedure did not inform me of my rights under the equal credit opportunity law, nor did XXXX XXXX XXXX informed me of my rights to dispute their credit decision under the Fair Credit Reporting Act. The inquiry conducted by XXXX XXXX XXXX was my mistake, because I was not properly informed of the application process by XXXX XXXX. I was unsure who I was applying to at that point I have never heard of XXXX XXXX. The inquiry was a mistake and I am requesting Trans Union to delete the inquiry on XX/XX/2019.
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.

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

Wrong address on Equifax report. 
XXXX Florida XXXX is not mine.
Product: Debt collection

XXXX XXXX was trying to charge for old internet equipment that their installer took when we were getting our new fiber internet service hooked up with new equipment at our new home. Now sold it to TRANSWORLD SYSTEMS INC and put it on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it is showing the same creditors listed 3 or 4 times on my credit score iv filed a complaint and it still remains
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Vehicle loan or lease

In XXXX  caribou had refinanced my vehicle and advertised that they had the lowest interest rate. They infact charged me a finance fee which is unethical. 15 USC 1605 which states that any consumer credit transaction shall be determined as the sum of all charges. After they added a hefty finance fee they turned and sold the losn to XXXX XXXX XXXX which I knew nothing about. XXXX is now listed on my car title and they file a cancellation of debt ( 1099c ) which I requested but theh refuse to provide to me.
Product: Checking or savings account

On XX/XX/XXXX I used an atm to get XXXX $ an error occurred I reached out to chime finical institution and also I reached out the the atm operators. The atm operators said a switch d Transaction happen means my money got lost in chime core processing system. Now chime is saying they dont have my money they said the atm operators is responsible to give me my money back. Six months later my consumer rights are being violated. Both companies are not helping me they are keeping me in the middle. I even contacted law enforcement about this situation. The atm operators said I need to request a charge back I already did that. I still have not go help at all. Im going to attach my documents. I really need my money as soon as possible. This investigation has neglected me.