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

I will list everything in numerical order according to the dates : 1. XXXX XXXX, the merchant charged {$2100.00} on my Chase credit card on XX/XX/XXXX. The charges are unauthorized. <P/>2. I noticed the charges and quickly reported it to Chase as fraud the next day on XX/XX/XXXX. I got a new credit card number after that incident as a result. <P/>Background : I terminated my business relationship with the merchant in XXXX and authorized the last payment in XX/XX/XXXX. The merchant charged my card {$1500.00} in XX/XX/XXXX. I instructed the merchant in my email that it 's the final payment and that no additional charges are authorized. I terminated the contract based on my dissatisfaction with the installation of the marble countertop. They damaged it during installation. The merchant was not able to make it right because the countertop is marble. See attached letter for more information. No further communications occurred with the merchant since that e-mail I sent in XX/XX/XXXX. My relationship with the merchant was TERMINATED at that time! <P/>3. I received a letter from Chase on XX/XX/XXXX asking for documentation. I sent Chase the attached. Then, Chase said it was n't considered a fraud because I had a contract with the merchant, and that Chase would forward it to the Disputes department. I was forced to re-open the dispute under the Disputes department instead of Fraud. I did so quickly on XX/XX/XXXX. <P/>4. I contacted Chase by phone and through its Secure Message Center many times to follow up on my dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( phone and email ), XX/XX/XXXX ( phone ) with a specialist in the Executive Office in XXXX, Illinois, her extension is XXXX, and finally XX/XX/XXXX. I provided adequate supporting documentation and information regarding my dispute. <P/>5. I spoke with a specialist ext. XXXX in the Executive Office to follow up on XX/XX/XXXX. She said she has n't investigated my claim yet. I requested to receive copies of the merchant 's supporting documentation because the merchant and I never spoke for more than two years ( XXXX to present ), and the work ended in XXXX, more than three years ago! The merchant has many court cases in the State of Maryland, and her business has an F from the BBB. I still have n't seen the merchant 's documentation to prove that I still owe the company. I also explained to Chase that I never received any invoices or documentation from the merchant in the mail. The {$2100.00} charge is not what I owe her. I do NOT owe the merchant any money. <P/>6. If the merchant feels I owe the company money, then the merchant will need to take me to Small Claims court and have a judge decide on this matter. This is a civil matter. As this stands, it is THEFT! They waited two years to decide to try my card number to see if they could get more money. The charges are still UNAUTHORIZED! I am not responsible to pay the balance on my credit card. <P/>Chase is not protecting me as their customer. Chase should leave this to a court to decide on the matter, not act as the judge. If XXXX XXXX thinks this matter is not resolved, they can take us to court.
Product: Debt collection

I sent a certified letter asking the company ( Jefferson capital ) to verify this debt. I never did business with this company and have no knowledge of the debt with them. They replied with some generic letter and would not provide me with the proof of contract between me and them or the contract between them and the supposed original debtor. no chain of custody provided and they would not remove the debt from my consumer credit report as required under the FCDPA.
Product: Checking or savings account

XX/XX/XXXX : balance problems started and where my balance was less than what it should be due to odd transactions that appeared the following day. In all support did not offer any information beyond claims that it was correct And these odd transactions have occurred since then. 

Tuesday, XX/XX/XXXX company attempted to withdraw {$15.00} from Bank of America account for a failed cash in. On the following day in support dismissed my proof that it was a failed cash in and refused to stop the transaction. 

I contacted Bank of America who stopped it. 

On Thursday of the same week, the same failed cash in appeared right after I added {$29.00}. Deducting the amt from my account. 

{$14.00} that should have remained has gone missing. There are no transactions of any kind to account for that sum. 

XXXX support did not open an investigation. They ignored all my replies clearly stating the issue. 
They repeated themselves The call center hung up, in a row, on me 4 times. 

They did not return or credit me that amt Still no answer about these suspicious transactions that are increasing with frequency. 



XX/XX/XXXX Company has taken a second withdrawal for sums that were already moved to the account {$23.00} {$20.00} {$10.00} for a total of {$53.00} Bank of America support ; in app proved my account was missing the that money Phone call to fraud department refused to stop transaction under pretense of processing despite having done so last week as the withdrawal was also by routine number
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed ch XXXX bankruptcy. After filing bankruptcy, my account became negative and closed. As the delinquency happened during the automatic stay and was fully dischaged, nothing was allowed to be reported. A bankruptcy automatic stay disallows collection efforts of any kind and credit reporting was part of that. XXXX illegally put out information that my account was opened and charged off same month in violation of the automatic stay. 
When I disputed this information showing up on my credit report, they reported it to experian as 14 separate chargeoffs.
Product: Debt collection

I had not  XXXX , but  XXXX  accounts with  XXXX .  XXXX  a personal and  XXXX  a business account. Both accounts went into default  (  {$730.00} personal and {$1200.00} business ) and eventually they combined the accounts and sold them. I 'm not disputing the validity of the debts, I 'm disputing the validity of the number of accounts in which the business account should not be on my personal credit. I signed the agreement using my EIN and therefore need the bills separated to know which is being reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XX/XX/22 XX/XX/22 XX/XX/22 Apple Card reported that I had paid late these months, which is untrue. A blatant lie to tank my credit. 

From the day I opened this account with them, I have had automatic full payment every month from my debit card, and these three months, I also had an over balance/ credit of approximately XXXX  XXXX. It would be IMPOSSIBLE to have a credit of over {$1000.00} each of these months and still have a late payment when there was no charge to the card. Make this make sense. If I have overpaid and have XXXX accounts, how does one make a late payment when mathematically impossible? 

Apple Card has been conducting itself fraudulently continuously to ensure that it can not open another card and leave them because they are exploitative and disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has investigated a bankruptcy on my report and found the the information was inaccurate and removed it from their file. I disputed this bankruptcy with all the credit bureaus and to no avail they refused to remove the information A letter was sent from XXXX to XXXX and Equifax about this and the Bureaus refuse to remove the bankruptcy. I have also sent I a letter from the bankruptcy court stating they have not issue any information to any credit bureaus.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX  - CARD SERVICE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I have encountered a fraudulent situation involving Cash App and a purported furniture store named XXXX XXXX, also known as XXXX XXXX, with the Cash App handle $ XXXX and a contact number of XXXX. Despite the clear fraudulent nature of this store, Cash App has allowed it to continue its operations and has even protected it. When I sought assistance from Cash App regarding this matter, they refused to release the name of the perpetrators, hindering my efforts to file a police report against both Cash App and XXXX XXXX. It's worth noting that while Cash App claims to investigate every disputed transaction, their policies state that Cash App to Cash App payments are instant and usually can't be canceled. Furthermore, even though they provide tips to recognize scams and report phishing attempts, they do not always guarantee a refund for a fraudulent transaction. Given these circumstances, I am filing a police report against both entities for theft and am seeking the CFPB 's intervention in this matter.
Product: Debt collection

Hi, My name is XXXX XXXX. 
I got a parking ticket back in XXXX 2015, that I had no knowledge of, which was sent to my old address. That old address does n't exist anymore as the property is under construction. This resulted in the outstanding debt/bill showing up on my credit report as a Collections. 
This was how I gained knowledge of this outstanding bill. 

I right away paid the collection agency the full amount owed, {$110.00}. 
They, XXXX INNOVATIVE COLLECTIONS, XXXX ), still have not notified the Credit Bureau, XXXX, that this was paid in full and therefore still shows up as an open collections on my report, when I paid this off 4 months+ ago. 

Innovative Collections is practicing their business in a sleazy way. 
I repeatedly called them about this and all they have to tell me is that they notified the Credit Bureau XXXX which they have not really done, according XXXX XXXX and that they can not notify XXXX again that this have been paid off. 

I am stuck here being thrown back and forth not being able to take care of this issue and fix my credit. 

I was directed here by XXXX saying that this is the next route I can go? 

Is there anything you can do to help me with this? 

Thank you
Product: Debt collection

XXXX Bank is contacting all my family members regarding a debt I am disputing. They are attempting to collect a debt via phone calls to my family members. In Violation 805 ( b ) of the Fair Debt Collection Practices Act, it is illegal for debt collectors to call your family members to discuss your debt.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX XXXX AFFIDAVIT filled out and asked to update my police report with my account and broker with XXXX XXXX from XXXX XXXX XXXX data breach showing the account was hacked and the Equifax administration showed a identity theft with the restoration officer.. my account was hacked and compromised showing my license theft. The XXXX asked me to get the report from my bank and credit report on my insurance company showing a fraud dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from opening a credit card at XXXX XXXX XXXX today XX/XX/19 because there are accounts with negative history on my credit report. None of those accounts belongs to me nor did I give anyone permission to open those accounts on my behalf. I have never had any contract or agreement with any of those companies and I did not allow them to run or view my credit. I did not benefit anything from these accounts such as money, goods or any other benefit and I did not make any payments or purchases towards these accounts. I filed a police report regarding this matter.
Product: Checking or savings account

Charles schwab account is locked/frozen. Initially it was locked for an undisclosed reason. I initiated a transfer of {$8800.00} to an external of mine on XXXX. I was contacted by the Charles Schwab team and informed that there would be a 10 day hold before the request could be completed since the account was new. During a routine login on the 10 day XXXX, it was discovered that the account was locked. I contacted the security team and was informed that it could take 3-5 days to be resolved. I contacted charles schwab on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for updates and was informed that the account was locked for suspected fraud. No further information has been provided concerning the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of Identity THeft and I can not login into Equifax system to check my credit report because it keeps blocking me from the site. When I enter in my personal information, I get a message stating that records do not match information entered which is a lie. My address as well as my personal information have not changed.
Product: Mortgage

I have contact my new point of contact however she has not reach back to me at all. I have communicated I have sign my part but you need to send the documents to the additional person at a different location I have shared with the new point of contact and she is not reaching back at all. 
I also have questions regarding the amounts you indicate on your last letter. I have asked maybe 18 to 20 times now for someone to reach back to me since your customer service reps are unable to answer basic questions and each time I call I get out on hold and most of the times I get promised a call back that never happens. 
Your new point of contact which is about number 8 or 9 changed you do on your point of contact doesnt even reach back. 
I dont see anything serious about your company at all. I need to make my payment and no one can explain how to process the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times to verify information on my credit file. 
Concerning account XXXX # XXXX They have remarks stating this account was included in chapter XXXX wage earner plan. They also list a high credit. It also says the payment status is current and last activity was after wage earner plan. The account was discharged in chapter XXXX which is not chapter XXXX and not on a wage earner plan. It also list a high limit which are all not reported after a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Past Due : {$2000.00} XXXX XXXX I sent a letter to LVNV asking for Debt Verification for Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with LVNV XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed XXXX XXXX and they did not respond. 

XXXX XXXX who said they were representing LVNV said my Balance was {$500.00}. LVNV said to the Bureaus it was {$2000.00}. Neither, XXXX XXXX, LVNV LLC or XXXX XXXX  or XXXX  XXXX sent me a Debt Verification showing the Debt was mine. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and XXXX XXXX for the Original Creditor XXXX  XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. 

So now XXXX  XXXX failed to verify to the Credit Bureaus and the XXXX  XXXX account was removed off my Credit Report Completely. 

But XXXX  and XXXX XXXX are still allowing the Collection Agency LVNV LLC on my report even though they determined the XXXX  XXXX the Original Credit was to be deleted. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and XXXX XXXX for LVNV XXXX XXXX and LVNV XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed the LVNV XXXX XXXX and LVNV XXXX XXXX. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX and XXXX XXXX for the Original Creditor XXXX XXXX on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed XXXX XXXX LVNV LLC XXXX XXXX  and XXXX  XXXX have been removed and re added without me being notified in the proper Time frame. 

All these accounts were not verified by proper investigations. XXXX XXXX or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that LVNV is asking from me and the {$2000.00} LVNV is telling the Bureaus.

More than one account collecting for same debt. 
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion numerous time about a bankruptcy that is reporting on my credit report. My initial contact with TransUnion was a dispute to verify this alleged debt that is adversely affecting my credit scores. TransUnion has only reached back out to say that they are refusing to re-investigate my dispute which I have not asked for them to do. I have not asked for my issue to be re-investigated I am asking for the METHOD OF VERIFICATION since they are stating that this debt has been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a  Mutilpe Inquiry let ter on  XXXX    XXXX   ,2017  and less then a week later I get a letter stating that the inquiries on my credit report are factual and will remain on my report. If they sent me a le tter four days lat er that meant they did not investigate whether or not the inquiries are mines and just sent their generic letter. Experian did not investigate fully and I have asked multiple times through mail, online Disputing and calling and they will not remove the inquiries.
Product: Credit reporting or other personal consumer reports

Apple Card-GSBank is reporting an unpaid credit card to XXXX on my credit report. I contacted Apple Card and they have no account using my name, address, social security number or phone number. I contacted Goldman Sachs bank that administers Apple Card and they have no account using my name, address, social security number or phone number. I filed a dispute with XXXX and the results of the dispute was that the investigation and my connection to the card was verified and accurate. This cant be true as I have confirmed with both companies that I do not have an account of any kind with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my personal financial information to the National Credit Reporting Agencies : XXXX, EQUIFAX XXXX XXXX as well as reporting my insurance information and transaction history to multiple providers without my knowledge or consent. They have also reported Bankruptcies in violation of the FCRA. I have been severely damaged and been kept from accessing my credit when I needed it the most! During the Hight of Covid I wasn't able to get my XXXX loan nor a small business loan because according to the lenders information reported to the major CRA 'S was provided by this junior CRA that I'm only just learning about! Why did you do this? Who paid you to report this and who told you it was okay to damage me and interfere with my ability to get things done for my personal, family and household purposes. You have broken the law and I demand remedy!!!