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

I noticed a fraudulent charge for {$2000.00} at a caterer ( XXXX XXXX XXXX XXXX XXXX ) on my Chase Sapphire Reserve card while traveling in XXXX and immediately notified the Chase fraud department . The fraudulent charge occurred on XX/XX/XXXX The charge was removed and the chase fraud investigation team followed up with me in XXXX asking for my day timeline, and reassured me that the charge would likely be found fraudulent. Months later while looking through past bills, my wife noticed the charge had been reinstated on my account without any additional contact from Chase. 

I have followed up multiple times with the Chase fraud investigation team without success. The investigation team can not give the contact information for the alleged vendor ( some representatives have searched XXXX and suggested a vendor, which is not located near where I was on the day in question -- can confirm detailed day location with other charges and work badge history ). 

The fraud department has said to consider the charge fraudulent, requires me to contact the vendor, however they can not provide contact information. 

After multiple interactions with the fraud department. I attempted to contact the Chase executive office on XX/XX/XXXX by fax and via traditional mail ( they do not allow e-mail or phone contact ). I have not heard back. 

I have included a copy of the letter I sent the executive office, which contains detailed schedule for the day and additional context. 

Thank you!
Product: Debt collection

I am writing to request your help. My name is XXXX XXXX. My SSN is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. There is an account with US Bank Opened Date : XX/XX/XXXX ; Closed Date : XX/XX/XXXX ; Limit {$3100.00} ; Highest Balance {$4000.00}. US Bank is reporting incorrect information on this account and I want to explain why they are committing multiple violations to the FCRA by doing this. 

I have never been late in my life. This is the first time that a late payment is reported in my credit history. They are reporing a late payment on XX/XX/XXXX. US Bank is being unreasonable because THEY NEVER HAD CALLED OR MAILED A  NOTIFICATION when the payment was late, as required by law. US Bank is committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION.

NEGLIGENCE and UNFAIR BUSINESS PRACTICES, MISSREPORTING LATE PAYMENT are other violations that they are committing under the FCRA, and the list can go on once I sat down with my attorneys. I have a Pending mortgage for {$500000.00} because of this wrong information being reported. I didnt even know about this until my mortgage company denied me the loan. This is affecting me in a huge way ; mentally and physically. 

I am demanding a DELETION LETTER from US Bank. This inaccurate mark must be removed or corrected ; otherwise, I will not have another option but file a law suit for all the violations committed. I hope to solve this through this portal because I really dont want to go to court ; but if I have to do it, I will not hesitate. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with US Bank was due. Proving this was not a money factor or even worst that I wouldnt want to pay.
Product: Credit reporting, credit repair services, 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 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, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was still erroneous. I've complained about this matter in my previous letter It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$8900.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Me and my girlfriend were sending money back and forth basically I sent her two payments one for XXXX and another for XXXX and then I sent her a request for the XXXX back she had already sent me the XXXX by the time she received the request and then within 7 minutes she sent me {$450.00} so I should have had a total in my account of over {$900.00} except for the fact that the XXXX even though it shows that it's a completed transaction to my account it never went in my account I explained to cash app the only way they could see the transaction is if they went into the support part of the menu and from there they could see the transaction it wasn't in our regular activity log for some reason but once you go into support and report a payment issue it'll have you select what payment and then on that screen you could obviously see that the XXXX and the XXXX both were completed to my account but only the XXXX went into my account I've tried every day to talk to him by phone and work it out done Mobile support through the app every since the XXXX of XXXX not to mention countless emails to no avail which they do admit that the money is missing or my frustrations or Justified is that how they put it but they never credited my account with a provisional credit like they were supposed to they keep giving me reference numbers but when I call and give the reference number to the person or through the email or the chat basically those numbers don't do anything and we have to start everything all over every time I don't even know why they give those numbers out it's not like they're really attaching them to a case or anything like that it's just ridiculous how unprofessional cash-up support is I've been hung up on about six times cuz they get frustrated cuz they can't figure out where the money went and then they hang up on me or they tell me they can't provide any further information and then they make me start the dispute all over again and again and again I just want my XXXX back from cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXXXXXX FRCA Violation personal loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation enquiries XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX NA Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX date : XX/XX/XXXX XXXX XXXX  XXXX Mortgage XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase XXXX XXXX General Inquiry date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry XXXX : XXXX XXXX, XXXX Removal date : XX/XX/XXXX FRCA Violation address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

Maryland Bank of America Unemployment locked my card over a month ago and I havent heard anything since. Ive uploaded the documents they were requesting still no luck. My remaining balance was XXXX when this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I contacted XXXX around XXXX to close my account and start a repayment plan. At that time they said I was not elligible and had to wait 30 more days. but for some reason they still locked me out of my account, disabled all my mail and email notifications. Because of this apparently there was. {$13.00} payment that was missed, but never received any calls or anything about it. It showed up on my credit report as a late payment in XXXX, once I saw that i paid it immediately. I contacted some of the credit bureaus, transunion would not removed it, XXXX  did remove it. And I dont know If XXXX did anything. 

I even contacted XXXX about it and they could not help me. This was not my fault and was completely out of my control. I was not even able to login to my account at santander. This is ruining my credit score
Product: Credit card or prepaid card

I am a victim of identity theft I, I recently put in a complaint for this same problem, and Bank of America regulatory complaints, help out with the investigation and said it was resolved and closed. It started claim ending in XXXX was resolved in my favor and funds will added to the account. That was XXXX it is XXXX and I have received no credits to my account. Now I called and they said it was closed but not in my favor so Im confused
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing my inaccuracies. 

List the accounts XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX Equifax XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX date XX/XX/XXXX DEPT OF ED Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX 2020
Product: Consumer Loan

I 've had a loan from LoanMe since XXXX 2015 ( formerly XXXX that was wither shut down or on the verge of being so ). {$5000.00} at over 100 %. That 's not my complaint as I knew the rate was high. 

My issue is my personal bank account linked for monthly payments was hacked into. Due to this, My XXXX XXXX payment is a bit late here ( XXXX days as of today ) as my checking account was closed by the banks fraud department The calls from LoanMe started XXXX XXXX and are relentless. Over and over on my cell and at work. As of today I am up to XXXX calls from them in XXXX days! Yes, I can prove it with my cell ID and Phone at work call history. 

Last Thursday I spoke with a Supervisor and told him my situation and intentions for payment and that it should be within a week or so as I am waiting to be reimbursed by my Bank for the " Hack '' of close to XXXX from my checking account. Additionally, I am closing on a credit union loan to pay it off in full. He proceeded to start telling me when he needed money he would go to friends or family and asked why I would n't do the same. The degrading went on and on so I finally hung up. 

Since then, XXXX days have passed and another XXXX calls from them. I finally picked up today and explained my situation again. The female rep stated I should have my money back from the bank by now and suggested we do a XXXX way call to XXXX bank and she would speak with them. I hung up on her also. 

I have never had a loan from anywhere that pulls these tactics and is so aggressive let alone tells me what I need to do to seek money from others to make a payment. And .... the payment is only XXXX days late as of today. It is n't even XXXX days late AND I have been talking with them. 

Nothing short of Loan Sharks and as worse if not worse than payday lenders with their aggressive tactics. 

And, by reading may many online reviews, I am not the only one experiencing thisShame on this Company!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information to Equifax, XXXX, and XXXX about an institutional loan that I had with them. The loan was consolidated in XXXX with all of my federal loans. After consolidation, the loans went into period of forebearance and deferment where no payments were due. However, despite this, XXXX continued to report my loans late, resulting in delinquencies and negative credit reporting. The last delinquency was reported in XXXX. I have disputed this trade line with each of the credit reporting bureaus mentioned above but they simply respond back validating the data. I am requesting that this trade line be deleted from each of credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute in regards to a bankruptcy on my credit file and TransUnion responded on XX/XX/2021 ( report # XXXX ) that the bankruptcy was verified but not specified. I wrote them another letter on XX/XX/2021 and sent it certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX ) letting them know that I was requesting a description of procedures as stated by 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) & 15 U.S. Code 1681i ( a ) ( 7 ) of the FCRA. I requested a description of the procedure used to determine the accuracy and completeness of the information they provided to me from the XX/XX/2021 dispute.I asked them to provide the business names and addresses of any furnisher, vendor of information contacted in connection with such information and the telephone number of such furnisher. I also let them know that this Information could have not been provided by the courthouse because I attached them the letter from the court which stated that they did not provide them with the Information. Today, XX/XX/2021 I received a letter in the mail from TransUnion stating that they were not going to investigate this matter, but I didn't request another dispute investigation, I requested the description of procedures. I feel that they are in violation of the FCRA by not responding to 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) & 15 U.S. Code 1681i ( a ) ( 7 ) which says they have 15 days to respond with the information. 

Please see attached for all information that was sent and received. This will also be filed with NJ attorney general and FTC.
Product: Debt collection

A person knocked on my door and without identifying and without asking that the person who opened is a XXXX years old girl and by rude and aggressive manner intimidate to sign the summon notice. my daughter is scary know because she saw the notice of XXXX situation in this moment.
Product: Debt collection

I have made contact with Coast to coast five times and have disputed this claim. I have asked for proof of debt and was told it had to be submitted in writting. I did that send a request that very day. I just recieved another form from them and when called they claimed they have not recieved the written request. I was never informed until today I could have submitted it online which I have done. I feel as though I am not being treated fairly in regards to this claim which is a FALSE claim to start with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I requested a temp lift of my credit freeze from TransUnion. I was told to wait 15 minutes, which I did, and then called XXXX XXXX. They told me the freeze was still in effect despite the email I had from TransUnion telling me it had been lifted. 

I waited about an hour and called XXXX XXXX again. They told me the freeze had not been lifted. I called TransUnion again, giving my name, social, and DOB to someone in XXXX who told me that the freeze had not been lifted but they were doing so. 

I waited an hour and called XXXX XXXX again who told me the freeze was still in effect. I called TransUnion again, giving my name, social and DOB again to someone in XXXX who told me the freeze had been lifted, that " this happens sometimes, '' and suggested I lift it permenantly. I declined. 

I waited another hour and called XXXX XXXX again who told me the freeze was still in effect. Once again with TransUnion and this time I was scolded for requesting the freeze be lifted so many times in one day. I was advised to lift it permantely to which I declined.

This morning I checked their website and the freeze was back on. I lifted it for 2 days, waited 1 hour and called XXXX XXXX. They told me my file was still frozen.
Product: Credit reporting or other personal consumer reports

I'm writing regarding all negative reporting accounts. Please remove all negative reporting accounts. It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures. According to 15 U.S. Code 6802, you are legally obligated to provide XXXX specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S. Code 6802 ( b ). 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Also kindly remove all addresses that are not my primary residence XXXX XXXX XXXX XXXX XXXX, FL XXXX l 've attached my Drivers License along with SS card for verification. Anticipating positive results on your behalf. XXXX XXXX XXXX
Product: Checking or savings account

Case XXXX is for the amount of {$580.00} and case # XXXX for the amount of {$1900.00}. XXXX XXXX provides the following statement about Ally XXXX response to his claims : Ally Response - Issued case numbers for investigation, but on a phone call with the Ally dispute team, they twisted my words around. Be advised that Ally Bank would be subjected to California Business and Professions Code 17200 where it prohibits any unlawful, unfair or fraudulent business act or practice which allows restoration of money or property acquired improperly ( Fletcher v. Security Pac. Natl Bank ( 1979 ) 23 Cal. 3d 442, 451 ). Further, you may also be subjected to punitive damages if fraud is proven by clear and convincing evidence ( California Civil Code 3294 ( a ) ), in addition to prejudgment interest on damages ( California Civil Code 3288 ; Alliance Mortgage Company v. Rothwell ( 1995 ) ( quoting Nordahl v. Department of Real Estate ( 1975 ) 48 Cal.App.3d 657, 665 ) ). 

In every contract there is an implied covenant of good faith and fair dealing by each party not to do anything which will deprive the other parties of the benefit of the contract. Sutherland v. Barclays American/Mortgage Corp. , 53 Cal. App. 4th 299, 314, 61 Cal. Rptr. 2d 614 ( 1997 ). A party to a contract breaches the implied covenant of good faith and fair dealing by interfering with or failing to cooperate with the plaintiff in the performance of the contract.
Product: Credit card

Dillard 's account was closed. They set up XXXX autopays and told me my account would be XXXX balance and account closed on the phome it was recorded. I now have a collection account for XXXX dollars. This is bs
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX ( Original Creditor : XXXX XXXX PC ) XXXX Date opened XX/XX/XXXX Balance {$13.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Credit card

XX/XX/XXXX Citi issues denial letter for cc based on XXXX XXXX report showing bankruptcy. 
XX/XX/XXXX XXXX XXXX report shows NO bankruptcy. 
XX/XX/XXXX XXXX found file where Citi attempted this same tactic of claiming a bankruptcy where none existed in XXXX Letters to Citi XXXX for copy of the XXXX report they relied on were ignored. XX/XX/XXXX XXXX filed CFPB complaint ( case # XXXX ) against Citi. CFPB closed case without resolution. 

This is now twice that Citi has provided false information to deny credit to an otherwise creditworthy consumer.