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

I have a commercial business card with my XXXX that is used for travel ( J.P. Morgan Chase ). On XX/XX/XXXX the university business office associate who handles processing of charges on these cards emailed me regarding unreconciled charges on my card of {$1300.00} CAD from XXXX XXXX and an international transaction fee of {$10.00} USD - these charges were from XX/XX/XXXX. 

These were fraudulent charges from an XXXX national purchasing a ticket from XXXX XXXX to XXXX. His name and passport information were included in the ticket, and the ticket number was on the credit card statement. The individual 's name and information were confirmed with a call to XXXX XXXX referencing the ticket number ( confirming that the charge was not from me ). I promptly called JP Morgan/Chase fraud department and reported it, but the time frame of catching the fraudulent charge was outside of their window and thus I filed a police report with our local jurisdiction, which was investigated and handed over to the FBI as the individual who used my card as fraud was an XXXX national and not a US citizen. They have assured me that we will not hear back from the FBI regarding the case, and that it is out of local police 's hands. 

I have since then been pressured by my university and the bank to pay, out of my own pocket, this charge. I believe I am entitled to an investigation as the evidence is very, very clear who the perpetrator was, down to his passport information. This was n't just a credit card charge to a random website, but was from an established airline with a clear ticket number that was not from me. 

If the CFPB can do anything to help me, I would be greatly appreciative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX Account # XXXX U.S. BANKRUPTCY COURT REF # XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX, personal XX/XX/XXXX has violated my rights XXXX XXXX  and XXXX XXXX  XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX ( Reseller ) XX/XX/XXXX has violated my rights. 
XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX has violated my rights. 
XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, transunion , XXXX  and XXXX. these companies have not corrected the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. After reviewing my report, I have noticed that there are several errors that need to be corrected. I am hoping that you will take the necessary steps to correct these errors as soon as possible. 

Firstly, there are several items of personal information that are incorrect. The account numbers associated with my previous addresses at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX are incorrect. Additionally, the employers listed for account numbers associated with XXXX XXXX XXXX and XXXXXXXX XXXX are incorrect. 

Furthermore, I am confused as to how the XXXX XXXX XXXX case with Case Number XXXX was verified on my credit report when other bureaus were not able to verify it. I request that this inaccurate information be removed from my credit report immediately. 

I also dispute several unauthorized inquiries on my credit report. The following inquiries have reached the statute of limitations and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( inquiry on XX/XX/XXXX and XX/XX/XXXX ). Additionally, the following inquiries must be removed immediately as they were not authorized : XXXX XXXX XXXXXXXX XXXX ( inquiry on XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( inquiry on XX/XX/XXXX ), XXXX XXXX ( inquiry on XX/XX/XXXX ), XXXX XXXX ( inquiry XXXX XX/XX/XXXX ), XXXX XXXX ( inquiry on XX/XX/XXXX ), and XXXX DXXXX XXXX ( inquiry on XX/XX/XXXX ). 

Finally, I dispute several accounts listed on my credit report. The payment status, balance, comments, payment history, and account numbers associated with XXXX XXXX XXXXXXXX, XXXX. ( account number XXXX ), XXXX ( account number XXXX ), XXXX ( account number XXXX ), and XXXX XXXX XXXXXXXX ( account number XXXX ) may be incorrect and must be verified, fixed, or deleted from my report. 

I appreciate your attention to these matters and request that you contact me as soon as possible to confirm the removal of these inaccuracies. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been receiving constant calls all hours of the day and night from a collector from Credence RM for an XXXX phone bill that was paid to XXXX more than a year ago. Upon reviewing my credit report they have filed it as a collections from a company under the name of Credence RM. This false claim made by this company has impacted my credit score. I also get calls from the same company claiming that I have won a free cruise. I believe this is a scam of some kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect address on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are both XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I paid a deposit to a XXXX XXXX on XX/XX/2021 for a {$1000.00} for XXXX  XXXX, the company canceled me stating I was XXXX  when I wasnt, they made me go through unnecessary testing from my doctor who eventually ended writhing them a letter stating I was not XXXX, I tried to get back on schedule but they already had multiple things going on. After months of not having XXXX cause they wouldnt put me back on the schedule, I disputed the charge with Capital One XX/XX/2021, and they credited the money back to my card and then took the money and gave it back to XXXX. I have not received any services, and the company will not put me back on the schedule. They basically lied and took my money and Capital One is on there side. They have did nothing to fight for me as a consumer being a victim of theft, I am required to pay Capital One for a service I didnt receive, and also for a company that states they will keep my money and not give me a service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identy theft and the inquires listed below are a result of the identy theft XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX
Product: Debt collection

On XX/XX/year> I was called to the office by boss because she had received a letter requesting to know how much my salary was and requesting that my salary be withheld without proper clarification that they had the right person.LVNV funding has violated my rights without trying to reach me via phone or my home address and just gone straight to my employer which is unfair in my opinion. I would like for them to contact me first to verify the information on the said debt before trying to ruin my reputation at my job.
Product: Checking or savings account

In short, I was subject to fraud on my CITIBANK checking account on XX/XX/XXXX, and upon investigation, CITIBANK denied my claim on XX/XX/XXXX, responding, ' ... these transfers and the activity appears to be consistent with your normal banking activities. As such, we are unable to honor the request for reimbursement. ' I asked them to reopen the investigation 2 more times and received a similar denial on XX/XX/XXXX and XX/XX/XXXX, 'With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor. ' FACTS : On XX/XX/XXXX, a man called me claiming to be from CITIBANK and said he was calling because there seemed to be suspicious activity on my account. He sent me emails while we were on the phone with CITIBANK letterhead so it looked convincing. He asked for personal information which I gave him ( stupid ) b/c I was panicked. I was logged into my CITI account while I was on the phone with him watching as the funds were being deducted from my account. There were 2 withdrawals made for : {$2400.00} and {$2400.00} within a second of each other which is not in keeping with my normal banking activities as CITIBANK claimed above.

Once I got off the phone with him, I called CITIBANK back right away and realized it was fraud because customer confirmed, no one had called me from the bank. I was transferred to multiple people over the course of TWO hours, my call was dropped twice and no one could get me to the right dept. I finally landed with the right department, explained what happened and asked for a hold to be put on my account. 

The next day, I went to my local branch in Mt. XXXX, NY, because I had to talk to a human IRL to get to the bottom of this. The manager and her associate were AWESOME! They said no one I had talked to the day before had put a hold on my account so that was almost 24 hrs that the criminals could have withdrawn more funds!! Luckily there wasn't more to take! There were also no notes, nothing written in my file from the 6 people I spoke to the previous day after being on the phone for 2 hours. The manager looked at the emails they sent and thought it might be an inside job because they looked realistic. She helped me open 2 new checking accounts because of the 2 that had been compromised. I called CITIBANK again to put in a request for an investigation.

No one from CITIBANK ever called me to ask what happened after any of the 3 investigation requests I put in so they have NO information about what happened. I've been banking with CITIBANK for over 20 years and this is outrageous. Every time I call, it's a minimum of 2 hours because I keep getting transferred to the wrong area. Also, the manager at the branch could only help me so much. She said she has to call the same number for fraud that I have, there is no direct line in which I thought was terrible. 

Please let me know if there's any additional information you need from me? 

Thank you! 
XXXX
Product: Debt collection

XXXX XXXX, US Bank stole {$20000.00} of inventory from my business. XXXX XXXX, US Bank overcharged my business {$15000.00} in closing fees.
Product: Credit card or prepaid card

On XX/XX/XXXX I printed out my statement with Capital One Walmart Rewards card and my balance owed was roughly {$2900.00}. I mailed this amount in to Capital One. On XX/XX/XXXX Capital One applied this to my account and said I still owed {$180.00}. Even if you were to take into account the interest and cash advance interest I owed, they only total {$68.00}. 

I'd like for Capital One to explain where they are generating the additional interest of {$110.00} that is being charged to my account. 

I think that they are gauging me as I attempted to pay off my account in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

I have recently Disputed this matter withXX/XX/XXXX, andXX/XX/XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a XXXX goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company SAFCO appeared on my XXXX credit report on XX/XX/2017. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I just see a lot of inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, I noticed a drop of my credit score by XX/XX/11 due to a report from ( loan care service ) that I'm late 30 days on my mortgage payment, I tried contacting them during early XXXX XXXX XXXX payment ) but due to the high call volume I could not get through, decided to send a request on there web site which I did ( twice ) during XXXX, I did not get any response and still no one contacted me, finally i got through by calling and did all arrangement for mortgage deferment, but they could not help to correct my credit score. 
so I'm writing asking your help in such tough time, I'm not working as many in the middle of that pandemic and I did contact them using there web site as it was the only option, I need my score to be corrected so i could get through that time applying for SBA OR LINE of credit to get my business and employee back. 
really appreciate your help, XXXX XXXX XXXX ra
Product: Money transfer, virtual currency, or money service

I have a Cash App account and when I purchased a new phone I tried to add the app to my new phone. The app would not add so I am unable to get the several hundred dollars off the account. I have tried every option and nothing. They keep sending me instructions to my email from an automated system and nothing works.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 XXXX l ) to extend credit with Bridgecrest to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Bridgecrest has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Bridgecrest has violated my consumer rights : XXXX15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction XXXX15 USC 1601 ( a ) : XXXX makes it clear that consumer credit would be strengthen by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880 -15 USC 6802 ( b ) ( XXXX ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated XXXX  parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( XXXX ) ( C ). 
-15 USC 1666 ( a ) ( XXXX ) I am aware that all extensions of credit are tied to my social security card and that the XXXX XXXX is obligated to all debts under 18 USC 8. Bridgecrest has illegally repossessed my vehicle to cause harm. They have also reported late payments to my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( XXXX ) documentary evidence under 15 USC 44 includes books of account.
Product: Credit card

XX/XX/XXXX called to request rebate form. Took numerous transfers over XXXX minutes. 
XX/XX/XXXX call to check status. After a total of XXXX transfers & /or callbacks over XXXX minutes call was dropped. 
XX/XX/XXXX call to check status. After XXXX transfers, still no contact with appropriate department and call was dropped. 
I have been a card holder for over 30 years and it becomes more difficult each time I request a Citibank driver 's edge rebate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Vehicle loan or lease

Transmission went out on car. American car center deemed unrepairable and towed the car away from XXXX XXXX in XXXX fl on XXXX XXXX. They then gave me the address in XXXX where the vehicle was taken, and gave me all my personal items and the tag off the car. Never provided any documents saying they took the car back and for some reason this unprofessional company that supposedly took over there payments have no record. It is not my job to find a car they lost.
Product: Credit card

I disputed negative accounts and inquiries through all XXXX credit bureaus and the information still remains on my credit report. I even submitted my police report and affidavit showing that I am a victim of identity theft and the negative information was still not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contracted with XXXX XXXX to help me clean up my credit.  They worked diligently on my credit and I now have a good credit rating with XXXX and XXXX, but my Equifax report still has numerous complaints on it that were due to be removed this last XXXX.  They are still there.  I tried to access their web site for complaints but it just went to blank page.  I want them to drop those old complaints that have expired from my report.