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

I overpaid contenental finance twice for two reasons and they won't send me a check without making it such a hassle that I give up. 

On or around XX/XX/2021 I submitted a payment to them for XXXX from my XXXX  XXXX XXXX account. The next day I received a call from a gal at XXXX Mastercard ( contenental finance ) that claimed I needed to make a payment, that none had been received. I told her I had paid it the day before and she said it wasn't showing. 

So, I logged into their site and there was no pending payment showing. So I added a new bank account from XXXX XXXXXXXX XXXX XXXX XXXX and paid a new amount, assuming the lady that called me had been correct and somehow my payment was rejected. So I paid XXXX from that account. I logged out of their site and decided to log back in in an hour to check that the payment didn't vanish like the one from XXXX  XXXX XXXX did. When I logged back in to check the second payment ( from XXXX XXXXXXXX XXXX XXXX XXXX  ) was still there, it wasn't. There was nothing listed in pending payments at all. 

So I made a third payment, all the while assuming these payments were being rejected for some reason. This third payment was also from XXXX XXXXXXXX XXXX XXXX XXXX for XXXX. 

Fast forward about five days, I noticed all three payments had been processed and that XXXX Mastercard now owed me XXXX. This is also reflected on my statement from them. 

So I called their number, waited on hold for about fifteen minutes to get my call answered. After I explained all this to the lady at XXXX  mastercard/Contenental she said she'd have to put me on hold while she talked to her " manager ''. It sounded like she was actually at home, but I'm not sure. 

After holding about ten minutes she came back and said they " needed to verify my account ownership at XXXX  XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX '' and do a three party call to do so before they could issue me a refund of the XXXX. I agreed to do this. She called XXXX  XXXX XXXX, the normal number, did not have any special number, just the regular hotline that usually makes you wait 45 minutes to an hour and a half before they answer. After about 20 minutes of holding the call failed. 

I would like XXXX Mastercard to refund my money immediately without having to go through these unnecessary steps that are designed to make people give up so they can keep your money and collect interest on it. I'm not stupid. 

If Continental Finance was concerned about fraud or " account ownership '', then they would have rejected the payments outright. They did not. They took the payments and now are refusing, by way of making it too difficult, to issue me a refund.

I'd be more than happy to email Continental Finance a copy of my drivers license and account statements from XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  for them to determine " account ownership '' if that's what they want. But to make somebody go through a maze of phone calls that take three hours to accomplish is completely unreasonable.
Product: Credit reporting

I paid XXXX bills off that was not mine to get it off my credit report. XXXX was issued XXXX XXXX Deletion Control numbers. XXXX bill for {$170.00} for XXXX XXXX was paid off. Other bill for {$550.00} for XXXX XXXX was also deleted by XXXX same day as the {$170.00} ca n't get Experian to remove the one for {$550.00}. Proof of payment and deletions made by collection company are attached.
Product: Credit reporting or other personal consumer reports

Equifax, I am a victim of identity theft and there was the below and attached unauthorized hard credit inquiry done- please have this removed immediately as this fraudulent inquiry is damaging my ability to obtain credit : CARD ASSETS, A DIVISION OF - XX/XX/2023 Attached to this complaint you will find : - drivers license - social security card - address - ftc complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost a XXXX  last XX/XX/XXXX and went to XXXX XXXX  in XXXX. I was told it would be XXXX for all the work to be done. I will admit I was in pain and not paying complete attention. I had XXXX XXXX  XXXX   a XXXX XXXX and I have a XXXX XXXXXXXX XXXX XXXX. I have been calling since XX/XX/XXXX asking for a detailed bill. I have yet to receive that or a call and now I am getting late payments on my credit report. I want a detailed bill. I feel ripped off and now Im really angry this has taken too long!
Product: Money transfer, virtual currency, or money service

In the first week of XXXX. I was no XXXX that there was some suspicious charges on my account from wellfargo. They hand shut down the account. So I went to the bank and talk to the banker. He noticed XXXX transfers thew XXXX to XXXX XXXX totalling XXXX XXXX XXXX XXXX dollars that I was not aware of. I do not no this person at all or never heard of here .So the banker called the fraud department to let them know about it..Fraud said they would contact me. Weeks went by no contact.Tried to contact them several times. Finally after weeks I got in contact with them.Now it's been XXXX months since this happened. After several phone calls and no solution. I was told to make a police report. I did and sent it to them. Waiting for response none. So again tried to contact fraud department finally got a hold of them they said they didn't receive the police report. So this time I faxed it and got a confirmation showing that the had received it.more times going by. Weeks and weeks. Still no contact back.finaly got a hold of the XXXX  fraud department. They said XXXX  we got the report back in XXXX??? Some body 's living. All I want thim to do is make good on the money that has been fradley taken from my account. I'm XXXX XXXX year 's old and retired with a fix income.and that is some of my life saving. And when I opened this account I was told that it was insured no problem. Here it is XXXX months going on XXXX months and no solution yet. Please help. And yes I want you to publish this. As it is XXXX XXXX to let alone fraud. Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whomit May Concern This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/year> ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
15 USC1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 
This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. 
Provide under Rule 1002. Requirement of the Original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. 
Furthermore, you shall cease all verbal communication. No phone calls, no text messages, no social media contact, no ringless voicemail contact, no email contact, the only communication must be through the UNITED STATES POST OFFICE, to the Claimant. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Consumer reporting agencies, such as, XXXX, XXXX and TransUnion prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant consumer reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following :
Product: Debt collection

I had a judgement on a XXXX bill by Meade Recovery. They placed liens against my house without notifying us. The debt was discharged in our bankruptcy filed XX/XX/XXXX. 
This judgement continues to show as open and paid on my XXXX report. It is discharged and closed. Judgements were discharged. Liens have been scrubbed XX/XX/XXXX. I do not owe them anything.
Product: Credit card

Last year around XXXX, I saw an ad from Citi Bank for its Preferred Thank You card signing bonus of XXXX Thank you points without any spending requirement. I applied and was approved. However, after 4 months, Citi bank is still not giving me the XXXX thank you points.
Product: Credit reporting or other personal consumer reports

I have been trying to log into XXXX XXXX XXXX XXXX and they have my Equifax blocked and I dont know why and my Score isnt updated. I have called all three bureaus, they said it will be updated and nothing has changed, its been weeks now. On XXXX the score isnt updated, and I still have items that isnt reporting, correctly. My XXXX  isnt reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim ; her information was used to apply for an account with XXXX/Bloomingdales XX/XX/XXXX. While no account was established the application created a fraudulent inquiry with XXXX that is still being reported by the credit bureau. An official dispute of this was sent via certified mail to XXXX XX/XX/XXXX but as of today the inquiry is still listed which is a violation of the FCRA.
Product: Credit card

On XX/XX/2023, I received an email from Chime Financial , Inc., asking me to set up direct deposit. 

On XX/XX/2023, I received another email, stating my Chime Visa Debit Card has been shipped to an address where I have not lived for more than a decade. Notably, I never signed up for a Chime account ; in fact, I've never heard of Chime. 

On XX/XX/2023, I received two emails from Chime stating I'd successfully sent Pay Anyone Transfers in the amount of {$500.00} and {$0.00}. I immediately contacted Chime and requested they close this account ( I had never opened ). 

I received an Account Closure email from Chime on XX/XX/2023 with the assurance that I would not be responsible for any activity associated with this account.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid : XXXX XXXX XXXX {$660.00} XX/XX/year> In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
XXXX. What is your authorization of law for your collection of this alleged debt? 
XXXX. Please evidence your authorization to do business or operate in this state. 
XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of addresses 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  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : has violated my rights. 



15 U.S.C 1618 Section 602A states I have the right 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. 15 U.S.C 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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: Debt collection

I received a letter from XXXX XXXX XXXX about a debt collection. I did my research and found out that the debt was related to medical services. I contacted the medical provider, they never provided services to me ( which I already knew ), contacted the previous creditor and they said they could not provide any information even when they confirmed my case number. The current collector XXXX XXXX XXXX try to convince me that the debt was mine because they had all my information on the case until I confronted them with evidence and prove they were wrong and ask the for a itemzed invoice. Tree weeks later I received a fake itemized invoice with fake information which was showing that the services were provided to a different person. I call back and all they said was that that made a mistake and hang up the phone. This is something that has to be investigated because doing my research I found out I was not the only person with the same problem with this company. They are trying to scam people and the worst part they have all your personal information home address, social security number date of birth phone numbers and you don't know if there will be future fraudulent intents to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  secured credit card services closed my account and placed a bankruptcy reason for closure on my credit report, I contacted the company the first time in XX/XX/2019 and asked for them to fix the issue. I also had my credit repair serivce write them letters. That caused a XXXX point drop in my credit score, and they refuse to fix the issue.
Product: Credit reporting, credit repair services, 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. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Product: Credit reporting 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. 

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: Debt collection

The week of XXXX XXXX I sent verification/validation to XXXX XXXX, and XXXX for the collection agency AFNI. I received a letter from XXXX around XXXX XXXX staying the debt was validated but I did n't recieve any contract or documents showing the debt was mines. I never received anything from XXXX or XXXX  but it 's showing Meets FCRA Requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1300.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9000.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$4200.00} ), XXXX - XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3800.00} ), XXXX - XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXX XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$7100.00}. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

i'm XXXX XXXX, im the XXXX  of XXXX XXXX XXXX XXXX a XXXX  registered in FLORIDA, i have received payments from XXXX XXXX XXXX XXXX XXXXXXXX XXXX 1. XXXX in the amount of {$130000.00} which was cleared and cashed without issue. 

2.XXXX in the amount of {$140000.00} which was cleared and cashed without issue. 

3. XXXX XX/XX/2021 in the amount of {$140000.00} and {$100000.00} and and payment has been credited to my chase account and cleared, chase called XXXX and they confirmed it's a good check and has been paid to chase. 

however chase is still requesting to verify that the issuer business owner wrote the check and XXXX  which is the business owner of the check is out of the country and will answer call at the phone : XXXX or XXXX which chase rejects to contact and doesn't provide any other option. which doesn't make any sense the check has already been cleared and confirmed authenticity by XXXX ( XXXXssuer bank ) i had received checks from this business before at the same account and was cleared and cashed as you can see attached. chase rejects to release the funds to my business or send back to the originator. Also XXXX would be availble for a VIDEO call so he can present his Identification and confirm checks, send a certified letter from XXXX to united states, which i don't believe it's necessary as showed and proved that i had checks cleared and cashed from them before. please assist as i have employees and vendors to pay. my business account number at chase is : XXXX
Product: Mortgage

I have requested my mortgage servicer escrow and pay both homeowners insurance and property taxes. My servicer has not complied, and have requested the same documents over and over, despite me already having sent the requested documents in a timely manner. My insurer informed me that my annual premium was not paid. The servicer has everything they need to calculate the escrow and pay the insurance and taxes. I am making no progress through the numerous letters I have sent, nor have they complied with my request for information under RESPA.