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

I contacted Chase Freedom Services concerning errant charges to my card. The first was an accidental charge from XXXX XXXX XXXX services in XX/XX/2021. I had accidentally clicked on a charge for this service and did not realize until it was too late - they charged my account. I had no idea that I had done this. Immediately after recognizing that this was on my account, I immediately went to XXXX XXXX and made sure to cancel the subscription. I subsequently received 2 additional charges from XXXX XXXX XXXX for XXXX and XX/XX/2021. I contacted XXXX directly and they reported that I did not have any subscriptions with them and that I should not be charged. Meanwhile, additional charges in XX/XX/2021 was placed by XXXX XXXX. I didn't realize that was an error, because I maintain a XXXX XXXX service for my cloud storage on a different card/ different account. It did not catch my eye that it was substantially higher than normal. Another charge came in from XXXX XXXX on the same card in XX/XX/2021. I believe that is when I called XXXX directly. I then contacted Chase services in early XXXX when another XXXX XXXX XXXX charge came through. I was asked to cut up the old card and get a new one from the company and formally disputed all of the charges through the Fraud Division. 

Approximately 1 week later, I received a notification that the charges were " determined '' to be valid because someone with the last name XXXX was the authorized user for the charges. I made it very clear that I did not authorize anyone else to use my card or the account. I submitted direct documentation to the Fraud Division showing them my XXXX subscriptions to prove that these were fraudulent and told the card company to not authorize any additional charges from XXXX. 

On XX/XX/2021, they charged me again. 

This is not OK. 

Here are the charges : XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX XXXX - XX/XX/2021 - {$11.00} XXXX XXXX - XX/XX/2021 - {$18.00} XXXX XXXX - XX/XX/2021 - {$13.00} XXXX XXXX XXXX XX/XX/2021 - {$59.00} Phone calls to Chase : XX/XX/2021 - may have been unrelated to fraud charges XX/XX/2021 - 3 phone calls XX/XX/2021 - 2 phone calls XX/XX/2021 Email XX/XX/2021 disputing charges with email documentation. Was informed this could take another 90 days to correct. 

Meanwhile, they allowed XXXX XXXX XXXX to charge my account again.
Product: Money transfer, virtual currency, or money service

On cash app I accidentally sent funds to the wrong account I immediately tried contacting them and could not get a hold of anyone because they had no customer service option so I contacted my bank and disputes the charge which got denied.
Product: Payday loan

I applied for a small short-term loan via Speedy Cash in California. In CA, I know there is a law that as a state citizen, I am entitled to a short term loan via a loan provider regardless of my credit score ( XXXX ). But as I keep getting pre-approved from Speedy Cash, they keep denying me and keep putting dents in my credit report.
Product: Credit card

This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XXXX 2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.
Product: Credit reporting or other personal consumer reports

by the law that requires that everything that I do not recognize be disputed and deleted if my credit report, therefore, I have already disputed these addresses that I do not recognize with the Experian agency and they have not yet resolved the problem of deleting addresses that I do not recognize and have not experienced either. in none of them, therefore these addresses are a subject of fraud. 
XXXXXXXX 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

On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole XXXX Card, XXXX XXXX  XXXX Cards, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached XXXX XXXX dated XX/XX/XXXX is XXXX fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by XXXX will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact XXXX claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. XXXX, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting XXXX is not mine.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Bank account or service

I receive at least one advertising letter in the mail a month from Chase bank. I do not have any accounts with Chase. I have not had any accounts with Chase. I do n't want anything to do with Chase. 

XX/XX/2016, I called Chase and spoke with XXXX. XXXX from Chase took my address and assured me the advertising mail from Chase would stop. It did not. 

On XX/XX/2016, I called Chase once again. I spoke with XXXX XXXX from Chase, and then XXXX 's boss, XXXX XXXX, supervisor at Chase. XXXX XXXX took my address and assured me that these mailings from Chase would stop after three weeks. 

I also filed a complaint with the California Attorney General 's office on XX/XX/XXXX, but all I got back was a form letter which did not address my problem. 

On XX/XX/XXXX, after getting the useless letter from the California Attorney General 's office, I filed a complaint with the Federal Trade Commission. 

On XX/XX/2016, I called Chase yet again after getting more ads in the mail. I spoke with XXXX XXXX from Chase. He transferred me to a supervisor, XXXX XXXX at Chase. XXXX XXXX was very condescending by saying things like he understands and " no worries ''. Very insulting and untrue. After XXXX XXXX 's bad behavior I asked to be transferred higher up. I spoke with XXXX XXXX at Chase 's executive office. XXXX XXXX took my name, address, and phone number. He verified my address down to the spelling and punctuation. He said someone else at the Chase executive office would contact me within two business days. 

On XX/XX/2016, I received a voicemail from XXXX at Chase 's executive office. XXXX said in the voicemail that I would no longer receive marketing from Chase but it would take 90 days for the mailings to stop. 

Today, XX/XX/2016, I received still another Chase ad in my mailbox. I called XXXX at Chase 's executive office. I left her a very long and angry voicemail because she and everyone else at Chase I spoke with either lied to me or can not do simple business tasks like removing me from their mailing list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Calling an texting before XXXX XXXX  an after XXXX XXXX. Leaving messages. An harrasing. On a debt that that I no longer owe to company I dont know this people a there texting me all times hours. An never heard of them I have no knowledge of this. Thank u for your serious attention to this matter
Product: Credit card

Bank of America decreased my credit limit without proper reason I made on my payments on time did nothing wrong
Product: Debt collection

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case PROFESSIONAL PLACEMENTS is attempting to collect as XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a new complaint regarding the ongoing issues I am experiencing with TransUnion in relation to a fraudulent XXXXXXXX XXXX account ( Account Number : XXXX ) on my credit report. Despite my multiple attempts to resolve this matter, TransUnion has continued to respond with automated messages, failing to provide a meaningful resolution. 

Since my initial complaint, I have submitted the following documentation : Two forms of identification A copy of my Social Security card A police report ( Report Number : XXXX ) A Credit Identity Fraud Report through the government These documents have been sent as requested, yet the issue remains unresolved, and TransUnion has continued to send automated responses. This lack of proper action on their part is frustrating and has caused significant stress, as this fraudulent account is severely affecting my credit score, hindering my ability to secure housing and loans. 

Despite providing everything they asked for, including completing the necessary affidavit, the fraudulent XXXXXXXX XXXX account is still being reported as verified. In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I am requesting immediate action to resolve this issue. If TransUnion can not provide original, signed documentation for the disputed account, they must remove it from my credit report. 

The delays and the inadequate responses from TransUnion have gone on for far too long. I ask for your help in ensuring this issue is resolved promptly and properly. Additionally, I would appreciate an updated credit report once the fraudulent account has been removed. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit card

Citi credit card refund ... ... ... ... ... HELP Need answers to make inquiry for refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Public Record on my credit report for a bankruptcy that dies not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they sent me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. Please remove this item off my credit report as XXXX  and XXXX  has now removed this from their files as it does not belong to me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Endless issues with this company : - account manager hardly assisted when i needed help with my loan due to illness.

-after i realized i couldnt afford it i voluntarily surrendered and dropped off vehicle myself.

- account manager ran my credit AFTER i was no longer in possession of the vehicle and she didnt have my permission nor right and just ran it at her own decision.

-after it ended up on my credit years later i reached out to take care of the difference and they informed me i couldnt make payment to them and referred it to a third party collection but let me know that once the collection was paid the third party AND CNAC would come off my credit entirely and the third party and after arguing with them it was removed ONLY TO BE PUT BACK ON MONTHS LATER DROPPING MY SCORE 75 POINTS.

-called back and they informed me that they have no authority over credit bureau and i need to contact them which i have as well as disputed it and every time the bureaus send my dispute over they deny it and the bureaus leave it on there.

-called and spoke to manager XXXX and she informed me she would look into this and how to get it taken care of. I call back as i hadnt heard any updates only to be told she is actually not in and wont be as she is on vacation for the entire week. 

-I am getting the run around and no one is helping me and they not only violated my rights by running my credit but they also lied to me about it being removed and now they are not helping me or answering my questions and no one has called me back. This company is manipulative and lies and just passes the buck and i need it resolved ASAP before I take legal action on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account for a credit card in my name was opened with Wells Fargo XX/XX/XXXX with a credit limit of {$800.00} with high credit of {$630.00}. It was reported on XX/XX/XXXX that it was current and then was paid off and then closed XX/XX/XXXX. I have never opened a credit card or a new account with Wells Fargo.
Product: Prepaid card

I had fraud that happened on my account and I filed a complaint with the bank and they failed to fix the issue someone used my account I never made these transactions and they removed the credit from my card this is a fraud and inconvenience
Product: Credit reporting

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so. 
I am requesting EQUIFAX to immediately remove all derogatory credit reporting from my file until EQUIFAX can provide proof of claim and exhibit the original instrument in accordance with the XXXX XXXX XXXX, and TENNESSEE state Law, U.C.C. 3-501 ( B ) ( 12 ), ( and any local applicable laws including UCC ) inclusive of the genuine original Promissory Note and genuine original allonge ( s ) showing : ( a ) Proof of the existence of an account of the actual establishment of debt account by the actual Sentient human, XXXX of XXXX, duly signed and written out by both parties and not any unilateral agreement. ( b ). Proof of claim that the listed entities are the original Holder in due course of the aforementioned original debt instrument and that it is not being un-sold to another party. ( c ) A copy of actual accounting, original ledger whereby each company in question, has incurred a loss as a result of the alleged debt. ( d ) An invoice ( not a statement ), for any amount of money owed to ( each company ) by XXXX XXXX XXXX ( e ) Provide proof of claim there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility that the companies listed might get paid by way of actual money. And that the value of the attached is not sufficient to discharge this debt under the following laws : The Fair Credit reporting Act Public Law No. 91-508 enacted in 1970 The Bankruptcy ACT of 1933 12 USC 411, P.L. 97-280 UCC 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510
Product: Credit reporting or other personal consumer reports

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

I was told that " billpay '' takes 6 working days guarenteed. It took 26 days. Called through out the time to try to get people to make sure soemthign was happening but the bill pay check didn't arrive until it was too late for me to stop what has happened since. Wells Fargo the bank I have a complaint with did nothing and to resolve it said that I was not the sender of the money so had no right to complain. Yet I was the recipient waiting for the funds to go to an escrow account to complete a property transaction. That has cost me tens of thousands of dollars as a result of being 20 days late and NO ONE AT WELLS FARGO CARES. dismissed me as irrelevent. 
What is a Guarenteed payment time if no one cares when it arrives and the persobn recieving is told they do not count as part of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My identity was stolen and my credit card was hacked. Charges were made over the course of 2 months by the time i noticed the charges. Charges started in XX/XX/XXXX and fraud was reported first week of XX/XX/XXXX. Capital one refunded the amount of all the fraudulent charges and a few months later they said their investigation determined there was no fraud and they charged me for approximately {$14000.00} worth of fraudulent charges. The gentleman investigating the fraud, XXXX, would not allow me to submit additional information to prove that the charges were fraud. Charges were made in multiple cities/states on opposite sides of the nation and i had proof that i was not even in the same state as some of these charges. Capital one was unwilling to work with me, unwilling to share information of their investigation, unwilling to accept any additional proof that i did not make charges, and XXXX refused to connect me to a supervisor. He told me that if i didn't like his decision that i would have to hire a lawyer. He refused to give me any information ( email, address, phone # ) that i could have a lawyer reach out to as well. I have had to pay the full amount of fraud to avoid any interest charges and i am looking to be made whole, either through the consumer finance bureau or through legal action.