23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently out of the blue, Contract Callers, a collection agency has placed a derogatory claim of an unpaid bill in the amount of {$620.00} on my stellar credit report. 
There was no caution notice and no warning notice. It is either a mistake or fraud as I have no knowledge or interaction with the collection agency or the original creditor, XXXX XXXX, an energy utility company. The energy utility company where I reside is XXXX, which I have been with for the last 10 years or so. 

I have disputed with all 3 credit bureaus, and while it is being disputed, they have not removed the derogatory claim while they do their lengthy investigation, affecting my credit and finances.
Product: Credit card or prepaid card

XX/XX/XXXX Wells Fargo open a secured credit card for {$300.00} under my name without my knowledge or consent. I just recently discovered this by checking my credit report other than that I have never been aware of this account. It also shows a highest balance of {$410.00}. The account was closed XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, and TransUnion, I am writing to formally dispute inaccurate and incomplete information on my credit report. I recently submitted a dispute regarding certain items, but the investigation conducted was insufficient, as the information was only verified against the furnishers report rather than being thoroughly reviewed in light of the evidence I provided. 

XXXX XXXX XXXX  Account ( Account XXXX : XXXX The balance is inaccurate on all three bureaus. 
The past due amount is incorrect on all three bureaus. 
The payment status is incorrect on all three bureaus. 
The last reported date is inaccurate on all three bureaus. 
The creditors comments are inconsistent and incorrect on all three bureaus. 
The date last active is inaccurate on all three bureaus. 
The payment history for the last two years is incomplete and incorrect on all three bureaus. 

I demand that you delete it immediately and stop parroting information from the furnisher without doing a full investigation to protect my rights. This inaccurate information is causing me harm and ruining my good name. I cant get the credit I deserve because you failed to do your job. I see why the CFPB is suing you guys..
Product: Credit card

To provide context, I had not used my Chase credit card for an extended period, and I was not in New York for the last six months. Surprisingly, in XXXX, Chase sent out a new credit card without any prior request or notification. Regrettably, this new card was stolen, leading to unauthorized purchases. The situation escalated when the thief managed to compromise my Chase online account, altering crucial details such as my password, phone number, email, and address linked to the account.

Despite having a verbal code established with the Chase security department years ago, the thief successfully accessed my online account, withdrawing all funds from my linked debit account. This is especially disconcerting as it indicates a severe failure in the security measures of Chase. 

Upon discovering the unauthorized transactions and overdrawn account in XXXX, I immediately contacted the customer care fraud department. While some charges were successfully addressed, I encountered significant challenges in resolving others. Chase representatives insisted that certain purchases were legitimate, refusing to cancel charges and refund the amounts covered by autopay, which I had set up as a safety measure. 

The recurrence of such a security lapse is utterly unacceptable. I experienced a similar incident in 2017 when my XXXXhase debit card was compromised, and it is disheartening to witness a repeat of such a breach.
Product: Credit reporting

This is not a XXXX. 

I have tried to escalate this matter to TransUnion multiple times without success on XXXX XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XX/XX/XXXX - XXXXUSPS Certified mail - XX/XX/XXXX - XXXXXXXXI have tried bringing this to TransUnion multiple times notifying them that the Collector agent did not validate this account within the 30days required by the FDCPA and TransUnion repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for TransUnionXXXXXX/XX/XXXX - XXXXXXXXXX/XX/XXXX - XXXXXXXXXX/XX/XXXX - XXXXThis account showed up on my credit report on XX/XX/XXXX for a balance of {$670.00}. This current TransUnion report on XX/XX/XXXX Confirmation XXXX and XX/XX/XXXX Confirmation XXXX both states a repetitive response that TransUnion verified this account to be a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XX/XX/XXXX. How could there be a collection for another rental/leasing for a different amount while I was living at XXXX XXXX XXXX? I have a copy of my lease which I 'm attaching. TransUnion allege investigation only verify my name, and information which is already on my credit report provided by the collector. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XX/XX/XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Debt Collection and Validation Practices for XXXX XXXX and XXXX XXXX XXXX XXXX Dear XXXX, I am filing a formal complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX regarding their debt collection and validation practices. 

Companies Involved : XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Background : On XX/XX/year>, I requested the following information from XXXX XXXX and FMA Alliance , XXXX XXXX XXXX XXXX mail : XXXX. A detailed history of all payments made by me on this account, including dates and amounts. 
XXXX. A copy of the original contract with the original creditor, XXXX XXXX, showing my signature. 
XXXX. Proof of my signature on a contract guaranteeing payment to the original creditor. 
XXXX. Any documentation regarding insurance claims filed on this debt, if applicable. 
XXXX. Proof that they have the chain of title to collect on this debt, including documentation of the transfer of the debt from XXXX XXXX to FMA Alliance , LTD . 

As of XX/XX/year>, the company has not provided all the information I requested. Additionally, I have noticed a negative impact on my XXXX XXXX due to this issue which is defaming and impacts my ability to secure credit with reasonable interest rates, as reflected on my credit report.
Product: Checking or savings account

I attempted to open a checking account with Chase Bank today XX/XX/2022 at approximately XXXX pm Arizona time through Chase Bank 's online application process. It stated that my application was denied and an account could not be open. No explanation was given.
Product: Checking or savings account

I used XXXX and numerous times, my financial institution and XXXX did not investigate my claims they said the money was simply lost untraceable and can't be returned. Cfpbs found XXXX neglected t protect customers
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : XXXX XXXX Code ss XXXX ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( XXXX ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX NOT MORE UPDATES, REMOVE LATE PAYMENTS OR REMOVE THE ACCOUNT
Product: Credit card

XX/XX/XXXX XX/XX/2023 cash advances against credit cards 3 devices 2 credit card and 1 cash reserve to bank account for a total of XXXX dollars. Contacted bank card fraud on XX/XX/2023 that I did not make these advances and they rejected my claim on XX/XX/2023. The credit card advances were XXXX and XXXX and the reserve trans action were charge of XXXX and XXXX plus additional fees and interest I closed the accounts and opened new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my most critical personal information, allowing it to be stolen as part of a large data breach. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via news on the internet. In addition, the day the attack was announced publicly, the website which should have verified whether or not I was a victim did not function properly ; it did not tell me the answer to this question, only giving me a date of enrollment.
Product: Credit reporting or other personal consumer reports

XXXX apartments located in XXXX XXXX in XXXX, WA sent my move out statement to my old address they were updated on my new address. They did fraudulently report inaccurate credit information to national credit systems in XXXX GA to the tune of over {$3800.00}. Which was reported to the credit bureaus. This caused a major credit drop, credit denial, and eventually a very high interest rate to secure a car loan I desperately needed. I am a 1099 worker and I use my car for my employment. XXXX offered to remove the file from my credit, neither XXXX or national credit systems has to this day not removed this account from the bureaus. I also reached out via demand letter, neither have not offered any financial loss recovery and have not responded to my demand letter. I am taking them to small claims court.
Product: Mortgage

My name is XXXX XXXX, and my Spouse is XXXX XXXX, who is not on the Mortgage, but is a contributor to our living expenses. We were both forced into retirement because of XXXX condition, and would have applied for a Reverse Mortgage, however, we are upside down on the Mortgage. 
We applied for a XXXX Modification with our Lender, Ditech and we were told in a letter dated XXXX XXXX, 2015, that we are making too much money and there are no hardship, simply because we have been using our savings to remain current. DITECH use a technique, to 'GROSS UP '' our Social Security Income of {$1600.00} to {$2000.00} making us unqualified. 
We we questioned this technique, they said in another letter, that XXXX XXXX is the owner and because we are in a Loan Modification, XXXX XXXX will not honor another Loan Modification. 
We obtained our Loan from XXXX Bank, a predatory lender in a XXXX package using the Second Mortgage as a down payment and a 5 year Hybrid Adjustable Mortgage, and a search of our records does not show that the Loan was transferred to Ditech according to the Respa Laws of Florida. 
We have requested that Ditech produced records of the Loan Modification that they are saying we have, also produce the Transfer Assignment of the Loan to Ditech. To date we have not received any response. 
We have also contacted XXXX XXXX to produce the record of a Loan Modification, and have not heard anything as of this complaint.
Product: Credit card or prepaid card

This issue is more related to my inability to get a refund on an airline ticket I purchased through my Capital One Mastercard for flights XXXX  ( XXXX XXXX ) cancelled in late XX/XX/2020. Per DOT regulations, XXXX must refund the airline tickets when they cancel a flight. This refund must be processed within seven business days. It has been 50 days since the flights were cancelled. XXXX  will not refund the charges for a flight they cancelled. It is a little under {$1000.00}. I am not getting any traction with the airline. I suspect they are delaying due to cash flow issues as they recently filed for bankruptcy. Debtor 's counsel is XXXX XXXX. I've attempted to resolve this issue with XXXX 's customer service email address, their XXXX page, and contacting their senior leadership, all without success. 

My desire is to get a refund of the purchase price. Tickets purchased in XX/XX/2020. 
Flights were supposed to occur in XX/XX/2020. 

Any assistance you can provide securing a refund from XXXX is appreciated. 
I can provide ticket numbers, my travel agency, the official DOT complaint I submitted, emails I sent to XXXX 's CEO, COO, and CFO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my name from XXXX XXXX to XXXX XXXX XXXX XXXX and it is still incorrectly reporting on my credit reports and I am try to purchase property and they can't do a background check on me because of these errors.
Product: Checking or savings account

I closed three accounts on XXXX 2020. One week later I received any closing balance and three letters stating the accounts were closed. I was not told it could take up to 90 days. I was not told to stop any automatic transfers. I was not read any closing disclosures. I did not cancel some automatic transfers because I was told they were closed and receive letters that they were closed. On XXXX I got an email reminder of a transfer for XXXX. Online would not let me stop that transfer. I called Capital One and the person on the phone told me she would change my withdrawal amount limit to a XXXX and assured me that would stop these transfers. The next day my personal banking showed these transfers pending. I have made several calls. I am still waiting to get my money back. My bank now shows it totally gone. Capital One was showing a negative balance. Then pending, now XXXX balance. All kinds of conflicting information. The most recent call to Capital One told me it was on hold and would go back to my bank on the XXXX. I don't feel I should have to wait that long for my money that they erred in taking out. I have been told a different story every time I have spoken with someone. I don't feel any of them are truthful. I want to file this complaint based on all the wrong information I've been given over the past 5 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has refused my disputes through the credit bureaus, neglecting to update the account 's current status as paid in full for less than full amount. The debt had been sold to a debt collector, XXXX, and I was told by them in the beginning that I was working toward removing this stain from my credit report, only to be told upon paying the agreed settlement that I would have to get XXXX to do it. Entirely misleading. I have sent XXXX the attached confirmation of settlement, bur they won't do anything with it and lied to me on 3 occasions about getting me to the proper dept. This is keeping me from buying a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- XXXX XXXX Experian XXXX XXXX XXXX times to have this account ( XXXX ) with ( XXXX- name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, DATE OF LAST ACTIVITY, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Credit card or prepaid card

XXXX XXXX XXXX charged my card {$98.00} on XX/XX/2020. My husband and I don't recognize name at all. Chase Bank says it's a management consulting company in XXXX. There is a phone number, but it's international so we aren't going to call them and pay the long distance call to fix this. We disputed charge with fraud department. This kind of thing happens all the time. Merchants should have some regulation that they provide an address and toll free number so that they can be easily reached and investigated for fraud. Also they should provide the name on credit card that they provide to customers so they can be easily identified. 

Banks need more regulation in general as well as merchants.
Product: Credit card or prepaid card

I reported an unauthorized fraud charge of {$82.00} from XX/XX/23 on my Citibank Double Cash charge card from vendor XXXX IL XXXX. 
I NEVER received any goods or services for this {$82.00} charge. I called the vendor on XX/XX/23 & asked what I was charged for & XXXX, phone rep, could not tell me & only said take it up with your bank! 
Citibank XXXX Citicards has refused to believe & help me!!! I am outraged that Citibank /Citicards refuses to stand behind their gold member clients!!!! Instead Citibank /Citicards is engaging in this fraud/theft by stealing this {$82.00} from me, their Citibank Gold Member . This is outward theft by my financial institution which I put my financial trust in!!!! I have contacted, via phone, Citibank & Citicards with my complaints numerous times to NO avail. 
Please help my with my consumer financial complaint. Absolutely NO one has any right to fraudulently charge my credit card without my authorization!!! No exceptions.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in ( MONTHS REPORTING LATE ) 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. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/2020 Experian XXXX XXXX  XXXX XXXX, TX XXXX Re : Student Loan No. XXXX, XXXX, XXXX Hello Experian : Oh My XXXX, I received a copy of my report today and it is showing my student loan with several late payments. 
My loan has always been in forbearance and I have not been required to make any payments at all. 
The loan reports OK for several months in a row and then all of a sudden it jumps to 90 Days Late to 120 Days late. 
You can not go from OK straight to 120 Days and then back to OK without any payments having been made. 
Somebodys computer system is messed up. 
Please remove the late payments and send me an updated credit report Thank you for your help. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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