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

Chase VISA - Dispute Reference : XXXX Chase has denied my claim for a fraudulent charge from luggage shipping merchant, XXXX, even after providing them photographic evidence that the bag I shipped was not oversized. VISA just told me " they don't review photographic evidence '' and " because the merchant provided an invoice the charge is valid. '' Please see history below and note I provided photos with measuring tape of my bag. 

I paid XXXX {$170.00} on XX/XX/2023 for the XXXX XXXX shipping of two pieces of luggage from my home and back. A duffel bag and ski bag. This charge was determined by the weight/size of my luggage. 

On XX/XX/2023 XXXX charged me an ADDITIONAL ( which I did not approve ) amount of {$180.00} ( claiming it was oversized for the trip out ) On XX/XX/2023 XXXX  charge me an ADDITIONAL ( which I did not approve ) amount of {$200.00} ( claiming it was oversized for the trip back ) For both of these additional charges, XXXX claimed the ski bag I shipped was larger than it was XXXX requested I send in evidence of the size of the bag- I sent them that evidence in photographs XXXX claimed that my bag measured 77.0 x 20.0 x 10.0 in ; But as you can see in the measurements, my bag actually measured 66x12x7 XXXX uses a formula of XXXX / XXXX  to determine a number... if that number is less than 65 - then my bag 's original charge was the correct charge As you can see below, with that formula, I come in under 65. Even IF one were to include a couple more inches in the measured dimensions, I would still come under the limit. 

XXXX claims that XXXX " laser scanned '' my bags during shipping. Well I don't know what that means, and perhaps their system isn't effective for odd sized items ( e.g., it's not a square cardboard box ) ... .but I know that a tape measure doesn't lie, and I don't lie, so this is a FAKE CHARGE and should be refunded If XXXX can not rely on XXXX for correct scanning of odd sized objects, they should not provide this service
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Original creditor : 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
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is imperative to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a profound regard for the consumer 's privacy rights. Equifax and Experian, recognized as consumer reporting agencies, hold sensitive consumer information, and I, as the consumer, assert my right to safeguard this information, as underscored by 15 USC 6801. This statute emphasizes Congress 's intent for financial institutions, including furnishers of information to credit agencies, to uphold a commitment to customer privacy and confidentiality. Pertinently, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish consumer reports under specific circumstances, explicitly when directed by the consumer in writing. I have neither provided nor consented to the furnishing of my information to XXXX, Experian, or any financial institution. Consequently, any form of consent, whether expressed verbally, non-verbally, or implied, is hereby revoked. Further reinforcing my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options. This obligation has not been fulfilled by the furnisher of information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in reports without authorization. The presence of such information on my account violates this provision, as well as 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits furnishing inaccurate consumer information. Moreover, in accordance with 15 U.S. Code 1681e, consumer reporting agencies must establish reasonable procedures to prevent violations of consumer reporting laws. XXXX and Experian have failed to fulfill this obligation. Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Experian 's reporting services.
Product: Debt collection

I contacted Midland Credit Management to verify my debt and they refuse to do so and do not want to hear it.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX Pl XXXX, SC XXXX Subject : Debt Validation Request for Account # XXXX To Whom It May Concern, I am writing in response to your recent communication regarding a debt you claim I owe, associated with account # XXXX for the amount of {$710.00}. I am exercising my rights under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) to request validation of the alleged debt.

Please provide the following : The name and address of the original creditor.

The amount of the debt and a detailed breakdown, including fees, interest, and other charges.

Verification that I am indeed responsible for this debt. 
Copies of any agreements, contracts, or documents that show I agreed to the debt. 
Under the FDCPA, you are required to cease all collection activities until you have provided this validation in writing. Failure to comply with these requirements will constitute a violation of federal law. 
If this debt is found to be invalid, I request that you : Cease any further attempts to collect this debt. 
Remove any negative information related to this debt from my credit report. 
Please respond to this letter in writing and send all correspondence to the address listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have inquires on my credit record that was not done by me these are the company 's FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I wrote debt validation requests to this company and they refused to send me verification of debt. They have also ignored all of my letters
Product: Payday loan, title loan, or personal loan

National Small Loan charged me a payment that was outside of the agreed upon payment schedule. Payment of XXXX was suppose to be deducted on XX/XX/XXXX. The payment was processed on XX/XX/XXXX when funds for it were not in my account. I contacted them to dispute it and I am getting run around and no resolution. This unauthorized transaction overdrew my account and was un fixable.
Product: Mortgage

My loan from XXXX XXXX XXXX, the company with which I signed up for my initial XXXX mortgages, was sold to Newrez Servicing in around XX/XX/XXXX. I initially purchased the XXXX properties in XX/XX/XXXX. After Newrez took over my loans, they raised the payment on XXXX of the properties by approximately {$300.00} per month due to what they referred to as an increase in my insurance premium resulting in an escrow shortage. Pursuant to this notification from Newrez, I contacted my insurance company to check on the status of my premium which had not increased. I then started to contact Newrez to find out why the discrepancy existed. After approximately XXXX calls, I received an escrow analysis indicating Newrez was correct in their analysis. However, this obviously didn't make sense. During these calls, I was told that I can delay making the {$300.00} extra per month until my request was resolved. However, with it never being resolved, I ended up making the extra {$300.00} per month so as to not present Newrez with the opportunity to negatively affect my credit rating by reporting a missed payment. I called an additional time to get this resolved in XXXX. During this XXXX hour call, I was requested by the Newrez representative to conference call my insurance company, which I did. The insurance company explained that my total premium for both houses was XXXX XXXX. The Newrez representative asked they send an email that broke down the XXXX premiums so that Newrez could adjust the escrow on both houses, accordingly. My insurance rep did so but inadvertently sent the information to the wrong email address. Approximately XXXX  days later, I called the insurance department at Newrez and sent the same email in to the insurance department and the representative assured me that it would be resolved. It was not resolved. Again I had to pay the extra {$300.00} in the month of XXXX. After additional calls with Newrez, I was told that they won't separate the premium on each house because the premium bill from my insurance company didn't delineate the premium between the XXXX properties. I was told to send a letter in to cancel the insurance escrow on XXXX of the houses which would then render escrow active on XXXX account but then I would only be billed for XXXX premiums, XXXX for each home, rather than XXXX, XXXX for each house. On XXXX, XXXX, I received a letter from Newrez explaining that they denied my request to cancel the escrow due to the fact that I made late payments. The late payments are from the extra {$300.00} that I was told I could delay paying until the problem was resolved, at the direction of Newrez. So I am still being billed for XXXX insurance premiums on XXXX houses and I've spent approximately XXXX hours on the phone trying to get this resolved only to be told differently by approximately XXXX different customer service representatives, XXXX escrow analysis representatives, XXXX supervisors, and XXXX insurance representatives. I called today and requested a resolution. The supervisor told me I would hear back in XXXX to XXXX business days, as he escalated the problem.
Product: Debt collection

I request a signed document from the company with my signature for verification of a debt for XXXX the date of my letter XX/XX/2020 no action taken by the company, I also disputed with the 3 credit reporting agency many times, they keep saying verified, how when they can not prove to me thats my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX after completing the interview process with XXXX XXXX, I was notified that they would be conducting a background check. XXXX XXXX called to inquire about two accounts i was not aware of that were charge offs. I contacted XXXX where they assisted me in contacting XXXX XXXX and Discover card to report the fraudulent accounts. The following day i also filed a police report. XX/XX/XXXX I filed a report with the FTC, and I was also able to send a copy of the FTC report and a copy of my statement to both Discover card and XXXX XXXX. Discover card and XXXX both conducted their own investigation and concluded that the accounts were indeed fraudulent by XX/XX/XXXX, XXXX was able to have the reporting agencies remove the account from my credit file, however the Discover card still appears on my credit reports. I want the discover card account to be removed from my credit file as it is fraudulent. I also want all incorrect information to be removed. 
Discover card account:XXXX Total fraudulent amount : {$970.00} Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL, XXXX
Product: Credit card

There has been no money spent. Someone is applying for Credit cards in my name. They have all been declined.
Product: Credit card

Transaction Information : Bank : Discover Amount : {$330.00} Merchant name : XXXX # XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX Dispute Number : XXXX I've had a Discover Credit Card since XXXX, and this is my first time disputing a charge EVER. My credit card was stolen and within minutes of receiving an alert for a charge bigger than {$100.00}, I reported my credit card as stolen and once the transaction was no longer pending, I disputed it. 

This transaction was in another state, I have only used this credit card in this department store just XXXX other time, and that time was in my home state ( PA ) for an amount less than {$50.00}. 

Moreover, I almost never used this credit card outside online shopping, last time I used it for something besides online shopping was XXXX months ago, it is really frustrating being a loyal costumer with no history of creating disputes, a transaction that is out of the ordinary, and yet having Discover flagging this transaction and valid.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters and sending in documentation to the creditors and also the credit bureaus, showing that the attached debts were apart of identity theft. I have provided police reports, ftc filing reports, documentation to prove these debts do not belong to me. 

I have been doing this for the past 2 years and the only bureau that has updated the information is XXXX.
Product: Credit reporting or other personal consumer reports

Enclosed is a detailed compilation, along with corresponding dates, of hard inquiries on my credit report that were not authorized by me. It is imperative to note that these unauthorized inquiries were conducted fraudulently, significantly hindering my ability to secure a new home for myself and my family. 

XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I kindly request that you conduct a thorough investigation into these unauthorized hard inquiries and provide me with detailed information on their origin and purpose. Furthermore, I am seeking confirmation of my handwritten signature or another form of documentation that validates my authorization for these specific credit inquiries. I understand the importance of maintaining the integrity of credit reports and appreciate your prompt attention to this matter. Please keep me informed of the progress and findings of your investigation. Thank you for your assistance in resolving this issue promptly.
Product: Credit card

Made a purchase from amazon on XXXX XXXX for XXXX so one three items showed up and the foruth went missing after the driver claimed he delievered it but the delivery photo below you can see that only a case was delivered and the computer wasnt. so the other three items i have returned those items and still i have tracking and proof from the site that thye got those items but the computer even thou they claimed got delivered wasnt and their own photo proves that.They have lied to me for month and half now and told me that they wont help me and i shouldnt call them back or email even took it a step more and close my account for calling about it. i was mistreated and dragged by the company employees who literally told me go do something better with your time and hang up like this is crazy what i been through. So i disputed it with my credit card and over a month now i havent got a temporary credit or update and i have submitted even faxed proof that i am gon na upload here for you guys i really need a solution as am being charged and mistreated even bullied by this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a ftc report because I found fraudulant accounts on my credit report, nobody would help me.
Product: Credit card

I used a Discover card for several years and finally got it paid off. I called and asked them to close the account. They said they had, but I continued to receive statements every couple months despite not using the card ( I destroyed it ). After a few months I called again and requested that they close my account. I still continue to receive statements ( just got one today ) and it 's been well over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Equifax Information Services, LLC has violated my rights by furnishing these inaccurate and fraudulent accounts below. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A. section 2. it also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681 B. Permissible Purpose. The user must disclose to the consumer that an investigative consumer report may be obtained. This must be done in a written disclosure that is mailed, or otherwise delivered, to the consumer at some time before or not later than three days after the date on which the report was first requested. The disclosure must include a statement informing the consumer of his or her right to request additional disclosures of the nature and scope of the investigation as described below, and the summary of consumer rights required by Section 609 of the FCRA. ( The summary of consumer rights will be provided by the CRA that conducts the investigation. ) The user must certify to the CRA that the disclosures set forth above have been made and that the user will make the disclosure described below. 
Upon the written request of a consumer made within a reasonable period of time after the disclosures required above, the user must make a complete disclosure of the nature and scope of the investigation. This must be made in a written statement that is mailed or otherwise delivered, to the consumer no later than five days after the date on which the request was received from the consumer or the report was first requested, whichever is later in time.
Product: Debt collection

A two year contract was initiated with XXXX XXXX. After one year the contract was requested to be canceled due to new residency obtained, and the new independent landlord did not allow the XXXX to be placed on the roof of the rental house. XXXX was unable to obtain a signal on the ground of the rental property due to trees around the property. 

Dish was contacted, and after several attempts the Office of the President agreed to remove the early cancelation fee and the additional 12 months of the contract with notification from the landlord that the XXXX equipment could not be placed on the roof. 

On XXXX XXXX, an email from the landlord was provided to XXXX XXXX who was employed within XXXX 's Office of the President. 

Within one week the XXXX box was returned to XXXX via the slip provided from XXXX ( note the name on the slip was addressed to XXXX, not XXXX ). 

Two years later, XXXX XXXX collection letters began from AFNI. Responses to AFNI along with the notification Email provided to XXXX in XXXX XXXX was provided tot he collection agency in XXXX and XXXX. When the third collection notification was received in XXXX, a phone call was placed to be told the debt is valid. 

Subsequent to the phone call to AFNI, a call was placed to XXXX XXXX. After several escalation requests, the Office of the President was reached, where we were informed that the debit is valid and I was notified previously that the landlord had to provide in writing on their company letter head that the XXXX equipment can not be placed on the roof. 

This statement was told to me, two years later for the first time, and is not even a possibility. The landlord is an independent landlord that rents to college students houses she owns independently, not through a leases company. XXXX clearly indicated the early cancellation fee would be removed in XXXX XXXX, and should be held to adhering to their obligation as I held to mine and obtained written notification from the landlord. the {$680.00} comprises of early cancelation fee, interest and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove thse items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX RAN MY TWICE ON TRANS UNION AND XXXX IN ERROR WAS SUPPOSED TO BE SOFT ONLY.