23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

| was charged on XX/XX/22 in the amount of {$430.00} for XXXX charges that I did not authorize. I was not notified of the charges made until XX/XX/22,. At such time, | contacted XXXX and Chase Bank. XXXX advised me to reach out to my bank while the investigation was underway. XXXX indefinitely suspended my account and advised me to remove my bank information and to change my login information. This is due to the fact that XXXX found fraudulent activity on the account. My email that was linked to the account was different and that's how they knew it was fraudulent. Chase bank temporarily refunded me until XXXX concluded their investigation. Both XXXX and the bank provided written documentation stating that the charges made were fraudulent. 
However, the merchant ( XXXX allegedly provided information to the bank that stated the charges were legitimate and the bank removed the temporary credit and charged me back for in the amount of {$430.00}. After contacting the bank, was notified that there was nothing else that the bank can do and that XXXX had to supply me a direct refund. After reaching out to XXXX once again on XX/XX/22, I was told that a refund can not be issued due to the suspension on my account. I was also told to receive said retund, I had to reach out via email to the original email that stated the activity was fraudulent in the first place. I replied to the email on XXXX separate occasions and have not received a response to date. Email was sent to XXXX Sincerely, XXXX. XXXX
Product: Debt collection

Could you explain this please? All you said was this! 
Company 's Response As a rule we send deletion requests to XXXX   credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX. 

Look at the file I sent you proof showing this I mean your statement do not make a lot of sense! There it is in black and white you need to remove from my credit file tsend me a copy of your E Oscar reports for XX/XX/XXXX - XX/XX/2019 for proof or delete the account!!! Thank you
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance {$9900.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance {$1000.00} XXXX  XXXX XXXX Balance {$2700.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$3300.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX {$350.00} XXXX  XXXX XXXX Balance {$400.00} XXXX  XXXX XXXX Balance {$600.00}
Product: Credit reporting

Trans Union is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Product: Bank account or service

Citibank ran a promotion whereby a consumer opening a new account by a certain date would receive {$400.00} after 3 months of maintaining a balance of over {$15000.00}. I opened such an account on XXXX XXXX, met the requirement, but failed to receive a bonus. Upon inquiring, I was told that I would have to wait for up to 90 days for a resolution. In the meantime, I was told that I can not close the account, and if I withdraw funds, I would be subject to monthly fees. This is fraudulent behavior, requiring me to keep my funds in the account for an arbitrarily long period of time. Now I face the choice of foregoing the promised {$400.00}, extending my account duration by 5 months later than initially outlined ( it has already been 2 months since I fulfilled the requirement ), or paying monthly fees to Citibank for 3 months if I take my money elsewhere while the institution " investigates. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reported on the estates consumer credit reports as a loan and I have never received a loan. There is no executable contract between myself and the XXXX XXXX XXXX of the Office of Attorney General of Texas. They have injured this estate and the Agent that signs and operates this estate for the benefit of its beneficiaries with revocation of Power of Attorney they are not allowed to conduct business on behalf of the estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an abundance of credit inquiries on my Experian, XXXX, and XXXX credit reports that I did not authorize. I have reached out to the credit companies asking for documentation with my signature stating I agreed for these companies to pull my credit and none of them was able to provide any information nor do they have any information for me in their system. My XXXX file is frozen and that is who these credit reporting agencies state they verify the inquiries. I have been a victim of Identity theft for quite some time. If the credit card companies could not verify any information with me I AM 100 % POSITIVE THEY HAVE NOT PHYSICALLY PICKED UP A PHONE TO SPEAK WITH A LIVE PERSON CONCERNING THIS MAJOR PROBLEM. The inquiries that was not authorized are : XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX. Remove these inquiies they are unauthorized.
Product: Bank account or service

Beginning XXXX XXXX, 2015 I began reporting this charge on my account : Pending-POS Debit - XXXX Check Card XXXX XXXX XXXX XXXX - {$9.00}. Each time I followed the instructions of Navy Federal Credit Union ( NFCU ) representatives ; which was to submit a report of a fraudulent charge and cancel my debit card. Since my initial complaint, I have cancelled XXXX ( XXXX ) debit cards and yet this charge continues to appear on my account monthly. Moreover, there has been no resolution presented by NFCU other than to continue to cancel debit card after debit card and since this is a recurring problem cancelling my debit card has brought no resolution. Matter of fact, the number of cards I 've cancelled and have had reissued has caused a hardship for me with other ( authorized ) creditors. I have asked over and over for a way to block this charge from being charged to my account, to no avail. The latest representative recommended that I contact the vendor, who is unknown to me and I explained as much to the representative but it fell on deaf ears. I am frustrated and out of options of how to end this recurring unauthorized charge from my account.
Product: Debt collection

The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.
Product: Credit card or prepaid card

I am a Chase Sapphire Preferred Card Holder. I have disputed an unauthorized charge multiple times now with Chase that they refuse to act on. I have proved that the vendor was supposed to fully refund and then didn't. I have proved that I am legally in my right to dispute the charge. They will not honor our card holder agreement and follow through on the dispute. Furthermore, now they are being deceptive and saying they haven't received any documentations from us yet they have been mailed, emailed AND faxed. Chase is showcasing deceptive practices on not protecting us as their consumer.
Product: Credit reporting or other personal consumer reports

Kindly delete this inquiry from my credit report. I did not initiate it and have no connection with the associated creditors.
Product: Payday loan, title loan, or personal loan

Aqua finance closed the previous complaint and there wasn't a resolve. 

They lied through their teeth. The representative from Aqua, his name is XXXX called me and I explained my issue. He basically stated that they're just the finance company. So they wasn't there the Sales Man said it was a {$54.00} payment that would be paid over 5 years no interest was never discussed. 

If this isn't resolved in 14 days I would file a small claims suit, as I was deceived and this is considered to be the sales man was being deceitful purposely. 

Please review the attachment Aqua 's representative has stop responding. If it's not same as cash. I will stop paying this bill and I intend to file a complaint with the FTC and XXXX  by XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are on my credit report and they are wrong and inaccurate, please see the dates of disputes made to correct the issue : XXXX, XXXX, 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: Debt collection

XXXX sent an account to XXXX XXXX for account I have no knowledge of incurring. I contacted them twice once on XXXX XXXX and a second time on XXXX XXXX to get information with regards to this debt, but they are unable to supply me with any information with regards to debt and has offered no resolution other than contact collection agency. This charge has been reported to credit report agencies, which in turn has affected my ability to get credit.
Product: Vehicle loan or lease

XXXX XXXX. present address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut. XXXX I called Wells Fargo Dealer Services on several occasions to XXXX. XXXX. XXXX discuss this issue. My last contact by phone was on XX/XX/XXXX. I explained that the loan was charged off in XX/XX/XXXX and is showing on my credit as a bad debt. I immediately asked for the title to be mailed to me explaining its been 2 years since the charge off and I needed the title. The representative told me this could not be given and I needed to make arrangements to pay my balance of XXXX. 
Every time I call Im treated terribly. I stressed how this was ruining my credit. I mentioned how they were falsely charging me insurance fees with interest which they admitted to doing. I was compensated with a check of XXXX. However, the interest was never adjusted off the loan. Now the car has a transmission problem, after expensive repairs, etc its not driveable. I would like to junk the car and settle all expenses as Im still paying for insurance, taxes, etc. Wells Fargo Dealer Services are very abusive, rude, and intolerant. I am not able to communicate with anyone at this company. It is horrible! 

The car is a XXXX XXXX XXXX XXXX. Documents are attached with Vin #. I can be reached by email to XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX, IN, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$180.00} Late/Closed Inquiry in Dispute : XXXX XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

My Coinbase account requires 2 step verification to deposit and withdraw money which I no longer have access to. Coinbase had me go thru account recovery process, by re-uploading my driver 's license and taking a selfie on XX/XX/XXXX. The company also told me it would take 48 to 72 hours to disable my authenticator configuration. Now it's been almost a week and I still have no access to my funds. I opened multiple tickets and Coinbase keeps sending me automatic emails stating it will take 48 hours. There's no emails or communication whatsoever sent from a human being regarding this issue. I have {$33000.00} in my Coinbase account in limbo. Coinbase is simply holding my money for their own benefit with no legitimate reason. This shouldn't happen and it's a shame this horrible company is going XXXX. Coinbase has absolutely NO right to freeze my funds. I need access to my money asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance of XXXX is reported as medical debt. I can not find the any information about what company initiated this report? There is no information for which I can verify or deny the reported debt.
Product: Debt collection

Purchased eye glasses through a company called XXXX. Glasses were paid. Now they keep sending a false account to different debt collectors.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, sometime in the middle of the month, my dog had another XXXX. Approximately, {$600.00} was put as a down payment. I signed a contract, like I've done in the past, which my payments went to the veterinary hospital. I didn't realize and wasn't told that my payments would be going to a finance company this time.On XX/XX/XXXX, I noticed I was overdrawn {$89.00}. Looking at my bank statement I noticed HFD had taken out four payments of {$190.00} which totaled up to {$780.00}. They emptied my bank account. I contacted my bank on XX/XX/XXXX and disputed the transactions. My bank put the money back in my account, but the following day the funds were taken out of my account again. I called my bank and filed a formal dispute, which could take up to 90 days. I also, put a stop payment on any attempts made by HFD. My bank also informed me to contact HFD and request that they delete my banking information from their system, which I did on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX ; and was told each time that they couldn't to that. Except today XX/XX/XXXX, I was told they couldn't delete my information until I paid {$190.00} which was due XX/XX/XXXX. The contract stated that the automatic payment would be taken out on the XXXX XXXX XXXX XXXX. Today, I told them they had emptied my bank account and I didn't have my rent or car payment and I surely didn't have their payment because of their 4 back to back withdrawls from my account. I've requested to talk to a manager each time and was told each time one was not available,, I'm still waiting for a call back from 2 weeks ago from a manager. They put me in a huge financial bind to where I don't have any money for food even. I've repeatly asked them to take my banking information out of their system and I would make other payment arrangements. I haven't received any past due noticres or any attempts ( until this happened ) to collect any past due amounts. How can they take 4 payments out at one time when it was a once a month payment due on the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts with the Credit reporting agencies multiple times directly as well as through previous CFPB complaints! The CRAs continue to state the accounts are accurate without providing the procedure used to verify the accounts. I have also disputed directly with the furnishers of the information and have received correspondence from them that proves the information reflected in my consumer report is not 100 % accurate. In some instances the accounts are not reflected completely and is missing valuable information. All the CFPB does is forward the information this company is not performing a thorough investigation into the issues being provided by the consumers! The following accounts have been continuously reported inaccurately after being made aware of the errors! 
XXXX XXXX ( XXXX ) I will be attaching a copy of a letter sent to me from the creditor. Experian is reflecting XX/XX/XXXX as the open date, however the creditor clearly states XX/XX/XXXX was the open date. Experian also failed to input a closed date which is critical in verifying the accuracy of their data. 
XXXX  ( XXXX ) I will include a CFPB complaint response in which the company clearly states they will have the cras delete this account. 
XXXX XXXX ( XXXX ) I will be attaching a copy of a letter that was sent from the furnisher of this account that they obtained from the original creditor. Experian reflects XX/XX/XXXX as the date XXXX acquired this account ; the original creditor states XXXX acquired this account XX/XX/XXXX. 
XXXX ( XXXX ) This account is reflecting an incompletely. Experian has failed to input the date of closing for this account! How am I supposed to cross reference the accuracy of the information if the account is not 100 % complete? XXXX has made it clear the account was closed on XX/XX/XXXX however due to experian not inputting all the data for this account I would not have known it!
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act account woods at XXXX Account # - XXXX ; Account # - XXXX has violated my rights 15 U.S.C 1681 section 602 A.States I have the rights to privacy 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

HFC, Member HSBC Group, XXXX. XXXX XXXX, XXXX, XXXX XXXX:1. Refinanced my original mortgage, {$140000.00} XX/XX/XXXX and consolidated XXXX mortgage for {$60000.00} into new principal balance of {$210000.00}. Reported the {$68000.00} XXXX mortgage as Charged Off and sold it to XXXX XXXX XXXX XXXX, Attn : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX has me in Collections and the inaccurate information is being reported as Negative and effecting my XXXX Score in a very negative manner. 

2. My original mortgage did not have the provision to pay Real Estate Taxes but HFC paid {$10000.00} to a parcel in the City of XXXX and charged me with an additional {$10000.00} thus increasing my principal balance to {$220000.00}. I have been disputing this fact since XX/XX/XXXX and have not received resolution. 

3. HFC did not report to any Credit Bureaus from XX/XX/XXXX to current and there are ( XXXX ) XXXX days past due on my Credit Report. 

4. I refinanced with HFC in XX/XX/XXXX, paid on time, and HFC did not report new mortgage and reports as XXXX+ days past due.
Product: Credit reporting or other personal consumer reports

I like to check my credit report periodically but cann never gain access via online. I have an established account and every time I try to login regardless of when, it suspends my account after providing my information. This has been going on for a year with XXXX. I always have to call to speak with some during business hours to reset my password. After doing so when I log back in later it's the same thing. The purpose of the online account is to have access at my fingertips. Even when I follow their verification protocols online its says it cant verify me. Its ridiculous not to mention after my account has been frozen they have applied things, which I'm disputing. They need to thoroughly investigate before callously putting things on reports.
Product: Student loan

so since the lawsuit on XXXX owners of XXXX. XXXX that controlled the XXXX and campus student lending loans promised if the loans were disbanned i would be payed back what i payed in. now that the loans were settled in court and the loans were dropped there not paying me back a dime. so in basically if i would of ingnored them from day one of the lawsuit i would of not had to pay a dime. 2nd i dont know why the accounts werent put on hold till the investigation done in the first place with illegal action done on the accounts. so i basically payed off almost all the accounts. campus student lending account paid in full balboa had 2 grand left when the accounts were disbanned
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting 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 XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$400.00}.