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

I began receiving a {$3.00} charge on my Chase Visa Card back in XXXX. It referred to a website that does not exist. 

I began by using the online form to request investigation. After multiple months of {$3.00} charges, they finally credited me with {$3.00}, but continued to charge me. 

Since then I have filled out multiple forms online, called the Fraud Department miultiple tikmes and the Customer Service Department multiple times. I have dozens of public and privagte messages to them on XXXX. Each time, they refer me back to the same phone numbers where I must wait on hold for an hour and where someone promises to take care of the problem .... empty promises. Because they don't take regular email, I have no record of each contact. But I have 24 DMs through XXXX dating back to XX/XX/XXXX. 

Finally I spoke with someone a month ago, who said I needed to have a new credit card issues. Despite the annoyance of a new card number, I accepted. 

The {$3.00} charge now appears twice. 

I have spent close to 30 hours on hold or emailing or speaking with them. As the website listed is bogus, this should be easy for them to resolve. I suspect there aer thousands of others being charged for this and Chase makes money on each. 

I've had issues with credit cards as a consumer and as a merchant fro over 40 years. It has been rare for me to ever need to contact the company a second time. I have a history with Chase Visa going  back about 20 years. I pay my card in full each month ( including fraudulent charges ) and have a credit rating well over XXXX. 

This situation begs the question as to whether Chase is doing anything about Fraud. This is not one phone call slipping between the cracks. This many phone calls and emails on such a tiny charge that is clearly fraudulent indicates that the institution has chosen not to act and follow Federal Law. 

I do not understand how they can continue to mishandle this. This is pretty clearcut and does not require a major investigation. They can't even verify the source.
Product: Credit reporting or other personal consumer reports

I was ordered to place an XXXX XXXX on my car. I chose a company called XXXX. 
The XXXX XXXX  was installed on XXXX XXXX. I was charged additional fees the first time I drove car. I do not know if installation was faulty or if the unit was faulty. I called the company and asked for it to be removed the same day. They told me I must have a court order. I went to the installer and he replaced that unit with another company XXXX XXXX as to remain in state compliance. XXXX told me they would wave the fee to remove unit. They billed me anyway. I contacted the company several times with the dates and times of calls along with the names of the individual I spoke with. They have now placed this {$270.00} in collections. I called and asked for removal during the three day period given to me by the state of Tennessee. I called on XXXX XXXX. I paid for one month of service and an additional fee of {$35.00} due to unit being faulty. IC Systems has now placed this account on my credit report. The technician ( installer ) returned unit to the company. My credit report has been very damaged by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not report information on my credit report accurately. Every month one of my accounts is reported and updated on a different day of the month. Currently one of my accounts is showing I have a balance and its actually have a {$0.00} balance. With XXXX reporting inaccurate information caused my payment to drop XXXX points. Which is drastically. XXXX is the only credited reporting agency that have my credit reporting extremely low.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shut my deceased spouse account without notifying me. I couldnt use automatic payment. I was the authorized user before he died. XXXX put a bad charge against my credit bc it claimed I didnt pay the debt. Because of his I have a bed credit. Unable to apply for XXXX credit card. They claim to fix it but it will take up to 60 days. This is. It not acceptable When I called in wells said I was supposed to call and follow up after my husband died! What!,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me, as I am a victim of identity theft. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The FCRA section 605b states that this matter should be addressed within 4 days yet, I have been ignored and violated by Equifax for months now. The accounts are listed here below. Bankruptcy Chapter XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX   account # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate.

The disputed item is as follows : 1. Account Name : XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX Date Listed : XXXX XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day
investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX I initiated XXXX deposits into my account for {$3000.00} and {$1000.00}, the first from a debit card and the second from a checking account. XXXX later my account was placed under review and all actions, withdrawals most notably, were XXXX without any explanation. It's worth noting possibly that I have used this account extensively for months and have used their debit card deposit feature, which normally had a limit of {$1000.00}, and XXXX days prior to XX/XX/XXXX I noticed that my personal limit was increased to {$3000.00} for debit card deposits and so this was the first time I'd made a {$3000.00} deposit. 

The restriction was hard to understand on what exactly they wanted, they requested XXXX for the bank statements for XXXX different debit cards but they only allowed me to submit XXXX XXXX  ( I would later realize that I had to hit submit, and then it would put a checkmark on XXXX of the debit cards to show i submitted a XXXX, then id have to go and submit another XXXX ) but it was about XXXX days later on XX/XX/XXXX that I figured out how to submit the first round of XXXX which was a friday. Understandably, I didnt get a response until teusday of the next week but the response was " we'll call you '' and so they continued to try and call me even though I told their support to email me because it's easier to communicate. throughout the week of the XXXX I had to get on the phone XXXX times for them to ask me simple one-sentence questions, and every time I answered the question my account still was in review and it said " we'll resolve your review by XXXX '' and then whenever blank date came up I would check the app and it would change to say the next day. this went on like i said for the entire week. 

It's now XX/XX/XXXX, XXXX weeks later, and I've still not communicated directly to the team handling my case, every time i call i am only allowed to talk to the absolute lowest level support rep and they wont transfer me, and support reps ask me again short questions and tell me that its impossible for me to talk to the team who's handling my case " because they dont have an email or phone number '' ( exact words that i've been told ). my {$4000.00} is unable to be withdrawn or moved, even back to my own accounts, and I also have {$20000.00} in a retirement account on this company and they wont allow me to access that either and they wont tell my why or how i can help work through this, they just keep asking me XXXX or XXXX new questions and then they tell me to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I have sent multiple rounds of letters to credit bureaus to reinvestigaste XXXX accounts that are reporting false information and it is costing me thousands of dollars a year. They are violating my rights and they have the nerve to not even respond to my letters! These inaccuracies are highly injurious to my credit rating. 

First account is open sky which is a closed account that was paid in full of {$100.00}. 

XXXX XXXX XXXX  acct # XXXX balance of {$620.00} XXXX XXXX XXXX  acct # XXXX Balance of {$420.00} Open sky acct # XXXX Closed paid acct Furthermore, in accordance with the fair act credit reporting act, public law XXXX, Title VI, section XXXX, subsection A-D, please provide me the names and business addresses of each individual with whom you verified the above, so that I may follow up. IT IS ILLEGAL TO REPORT FALSE INFORMATION! 

They are all reporting different information all across the board! I have asked for the accounts to be deleted immediately and please forward me send me an updated credit report after you have completed your investigation and corrections!
Product: Debt collection

XXXX XXXX XXXX set up a payment plan for XXXX seperate accounts totalling $ XXXX. XXXX XXXX XXXX  made XXXX XXXX payment plan for me. 
I also have a payment plan with XXXX XXXX XXXX XXXX threatened me several times with court appearances. I was told that I was not cooperative, and that I was not acting like I wanted to clear this matter up. They said they would let the judge decide if I should go to jail.

I felt That I had no choice, I was going through the system at a homeless shelter. I was trying to make my life better and felt any negative marks would make it much harder to get housing.

I have been making these payments for XXXX or more months. It is causing me hardship. I live on a XXXX XXXX monthly XXXX XXXX XXXX. I can not get food stamps. I go to as many food pantries as I am able. 
I have hired XXXX XXXX to help me clear this mess up
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently a victim of stolen identity and someone obtaining a credit card in my name which did damage to my credit. I disputed this with the credit bureaus and the bank. The credit card was removed by all three credit bureaus. For over a month I have paid down my two existing credit cards by thousands of dollars yet Experian still has not reflected the correct balance on my report and they keep lowering my score for no reason since the identity theft. When I file a complaint they ignore it. These companies can destroy our lives doing this and it's just not fair. Neither XXXX or XXXX is doing this. It's only Experian. Can you please assist with this because people can't fight back if they're ignored. Thank you.
Product: Credit card

I am enrolled in Barclaycard hardship program for account ending in XXXX, a XXXX set up payment plan which includes a payment due on XXXX in the amount of XXXX, which has posted and processed. Payments in the amount of XXXX are due on and scheduled for the XXXX of the month. However, the payment amount due is XXXX on XXXX and a late fee was charged on XXXX in the amount of XXXX. Under terms of the program interest rate is supposed to be adjust as well as late fees waived. It appears this was not done.
Product: Debt collection

On XX/XX/2023, I received a letter sent to my home address from GB Collects, ostensibly located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, claiming that I owe XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} for an invoice dated XXXX XXXX, 2023 ( one week ago ). ( See attached letter. ) In her letter, XXXX XXXX XXXX of GB Collects states, " After repeated requests, we have not heard from you regarding the above delinquent balance of {$120.00}. '' I have never heard from anyone at GB Collects on any matter before and XXXX XXXX XXXX has an automated service that no one answers when I attempted to call them regarding this supposed debt. I am not aware of any debt owed to XXXX XXXX XXXX as I always pay my co-pays when I'm at the doctor 's office ( and my co-pay is never anywhere near {$120.00}.
Product: Debt collection

After reviewing my consumer report, United Revenue reported a XXXX collection in my consumer file. I have no knowledge of this collection, nor did I receive any correspondence concerning this collection. I requested United Revenue to provide validation of the debt on XXXX XXXX which they never responded. I have filed a complaint with the Attorney General XXXX also for non-compliance. Under the FDCPA unverifiable accounts must be removed. 

United Revenue Corp Account # XXXX XXXX {$850.00}
Product: Debt collection

multiple calls, no indication of what the debt is or any validation of the debt, will not stop calling- Midland Credit Management XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to my local XXXX office and filed paperwork to take payment out automatically, never did and in the meantime, made a payment on XX/XX/2018. Well I called because Im still being reported as delinquent? My credit score is down 59 points? I called my local branch plus the XXXX branch and got put on hold just to be disconnected? Help
Product: Credit card

Capital One has failed to provide consumer services, violating the truth in lending act
Product: Credit reporting, credit repair services, 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 has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 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 ( XXXX ), 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical bill from XXXX reporting a collection on XXXX of my credit reports. The bill is from the birth of my XXXX in XX/XX/2018. At the time I was admitted into the hospital I was covered under VA insurance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also added my daughter to my employer 's XXXX plan and it was back-dated to her date of birth. Additionally, I was in bankruptcy at the time of her birth. The collections is under XXXX and XXXX and says the original debt was incurred this year, which it wasn't. This debt should have been disclosed XXXX years ago, but I am just being billed for it this year. All of the previous claims that XXXX has sent me were handled by the VA. I have documentation to prove my claims and somehow the Transunion and XXXX are claiming that the debt is valid and correctly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Please remove Chapter XXXX bankruptcy, XXXX XXXX XXXX, XXXX XXXX, XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX