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

On XX/XX/2017 while I was working at my home office I received a text message from Chase asking me if I had used my credit card ending in XXXX  for a {$2900.00} purchase at XXXX XXXX. I replied No.

Chase then told me my account was disabled. I called them. They asked me if I had my card and I believe I told them that I did.

However, this is an XXXX card that I have almost exclusively used for online purchases. I rarely carried it in my wallet and also rarely used it after the new XXXX card came out with 5 % off everything. My history proves this.

After the call I looked for the card but could not find it. I did not worry because Chase told me it was disabled.

A little while later I got a bill including a {$2000.00} plus charge at XXXX XXXX XXXX. I was stunned as I thought the card had been frozen. I did not make any purchase in XX/XX/2017 at XXXX. I have not been in one of their stores in years.

Despite my quick replies and calls to Chase I am being stuck with a charge that I did not authorize.

Please review my credit history and the history of this card. I have excellent credit and you will see the long term use pattern of the card is verified in this letter.

I did not make the purchase at XXXX XXXX XXXX and I do not believe I should have to pay for a purchase I did not make.

Does anyone have access to video camera footage at XXXX? It will prove me right.

I have filed a complaint with my state Attorney General 's office. They have told me to file a police report and to file a complaint with CFPB, too.
Product: Checking or savings account

I have been trying for over 3 months to close an account that had a fraudulent ACH charge processed on the account. I have called Bank of America in excess of a dozen times to try to resolve this and been on hold and/or with multiple representatives for multiple hours, with no progress in resolving this problem. The account is presently showing an almost $ XXXX deficit when I log in on line even though it should have a small positive balance. This is causing problems with all of my account summary views since they include this negative balance. I would appreciate it if someone at Bank of America could attend to this before the end of 2020.
Product: Checking or savings account

XXXX ETrade Checking account closed in XX/XX/XXXX. Three years later, XX/XX/XXXX I receive an email instructing me to contact ETrade. Customer Service informed me account was never closed, and this was an error. Account would remain open if requested. I did so request account to remain open. In XX/XX/XXXXI received notification to contact Customer Service. Representative informed me, error was made and account would be closed, remaining balance would be mailed to address. I provided address, CSR informed me photo ID and " letter of instruction '' required since my address changed from original address on file. I provided State Photo ID with signature, and digitally signed letter. CSR contacted me and stated digitally signed letter insufficient to mail out remaining balance. Photo ID with signature and DIGITALLY SIGNED letter uploaded by accessing my account ( which had not been accessed for over 3 years ), and providing private authenticated info over telephone is sufficient enough.
Product: Credit card or prepaid card

On XX/XX/2023 I had contacted Discover to report multiple fraudulant charges on my account. I had over {$8000.00} in unrecognized charges that were under my credit. The card may have had it's information on the internet through hacking skimming or cloning, I am not a hundred percent sure, but somebody had stolen my credit card information through illicit means. As of XX/XX/2023 I am unable to use my card due to the credit fraud being under investigation. 

In the current circumstances that I am in, and through recent financial hardships due to this incident, it is in my best interest to say that I am not in agreeable terms with how this company is handling my case. Due to the fact that I am only XXXX XXXX XXXX and have no real source of income is further putting me deep into a pool of debt that I can neither afford nor have the resources available to pay these fraudulent charges on my account. Please help resolve and move my case further so I can recoup my losses these past few months.
Product: Credit card or prepaid card

Barclay card will not let me get access to my data through third party services. It is my info and I want to use another service to manage my finances and they are blocking it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I'm reaching out again today to follow up on an ongoing dispute that I've had with Experian. Late last year, unfortunately I became a victim of identity theft and had most of my information renewed because of the matter. I also had filed a police report for this for preventative measures in the future and for receipt. I've already notified the bureaus such as XXXX and XXXX about this circumstance and were quick to resolve the accounts in question that reflect the unverified item labeled XXXX. I've already filed disputes to all 3 bureaus, but it seems that Experian is still not removing this item despite the fact and also that the rest of the bureaus have confirmed that these items are unverified. I hope that CFPB can finally step into this matter. Please let me know if you have any additional questions about this. 

Thank you! 

Best,
Product: Checking or savings account

I opened a Marcus savings account on XX/XX/XXXX and wired from my XXXX savings account XXXX USD. 

Marcus completed the wire transfer. On XX/XX/XXXX, I tried to access my account through the app and website. I was told it was temporarily locked. I was never notified of this in any manner. Indeed I made a call to their customer service line and they confirmed they never reached out to me. 

They claim that my phone number is unverifiable via their internal controls and that they can not send a pin to the number to verify my identity. 

I asked how they were able to open an account and take my money and then lock me out before verification. I also asked to have them reverse the wire transfer. They refused. I have no access to money that is rightfully mine.
Product: Credit card or prepaid card

On XX/XX/2018 I purchased ( 3 ) {$100.00} XXXX gift cards issued by U.S. Bank at XXXX in XXXX, Texas. When I tried to use them they were declined. I've tried to call the number on the back of the card ( XXXX ) and access the website ( XXXX XXXX XXXX XXXX XXXX ) but neither are working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company " SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Product: Debt collection

I received a voicemail today notifying me of a " complaint or civil suit '' being filed against me, was instructed to call XXXX to discuss my case with the legal firm handling my case. I called the number and was routed to a person named " XXXX XXXX '' ( her direct line : XXXX ) of XXXX XXXX XXXX XXXX ( at XXXX XXXX XXXX XXXX, XXXX, CA ) who informed me that Synchrony Bank was suing me for {$3300.00} for an " outstanding debt '' on their Care Credit card. This amount included court fees and other penalties. The original debt was for {$2300.00}. I informed XXXX that I paid this debt off long ago in XXXX to a collection agency and had the paperwork to back it up. She attested that if I did not have a " Liability Release '' form that I still owed the debt to Synchrony Bank. She claimed two attempts had been made to issue me a summons via a courier - one to an old residence and one to my current residence. I pointed out that Synchrony Bank had issued me zero correspondence about this supposed debt over the last 11 years and wasn't it a bit odd that I would suddenly receive a phone call to tell me I was being sued? She told me that I had two options - to go to court or to mediate with her, and if I chose to mediate she would issue a " Release of Liability '' but I would have to pay her " offered settlement amount '' of {$2100.00} on the spot. I replied, " No disrespect, but how do I know YOU'RE not scamming me? '' She laughed and said she completely understood why I might feel that way. I told her I needed some time to go through paperwork and she offered to extend a " courtesy EOD hold '' to keep my case from going to court but that when I called back, she would have to go through the mediation process again but couldn't guarantee she could " offer '' me the same settlement amount, it might be higher. I agreed to accept these terms and did some digging. Synchrony Bank attests that my account was deleted on XX/XX/XXXX - the day that they sold it to XXXX XXXX. XXXX, the debt collection agency. XXXX attests my account was paid off in full and provided all the paperwork. I spoke to a lawyer who attested that this is indeed a scam, and that this " law firm '', who does not even appear in a XXXX search had likely bought a list of debts owed from Synchrony Bank, and were going after people to try to get money from them. This is the 3rd or 4th call I have received in the last 3 months regarding this same debt, from 2 different " companies ''.
Product: Debt collection

On XX/XX/XXXX, I sent a certified letter to Capio Partners asking them for debt validation of the an account, as I never received any bills prior to debt of {$540.00} hitting my credit report. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained from the medical service provider.

The documentation included 4 full pages, detailing all of the treatment/procedures done as well as the cost associated with the procedures and treatments given at the hospital. ( XXXX Hospital and Medical Center ) They have violated the regulations of the HIPAA Act of 1996.

I never signed a HIPAA form authorizing Capio Partners to have access to my patient information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX OTHER has violated my rights. 

15 U.S.C 1681 Section 602 A. States that 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 furniture an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  CONTINUE TO REPORT ON TRANS UNION ALTHOUGH OTHER 2 CREDIT BUREAUS HAVE REMOVED THIS. PLEASE HELP WITH TRANS UNION REMOVAL.
Product: Debt collection

Truthfully, I wasnt sure which box to check because this company has stooped to almost every single one of them.

1 ) They have communicated after my asking them to stop via verified letter.

2 ) They have made false statements and misrepresented themselves 3 ) They sent a letter to my parents address thus improperly sharing my information 4 ) They have attempted to collect a debt not owed as I have no record of this bill and they said that they had closed the account due to an inability to verify it I submitted a complaint against XXXX for the same matter earlier this week. While their response was satisfactory, it is clear that it was not true as I continue to be contacted by Elevate Collections for the same alleged debt that XXXX attempted to collect and then subsequently discharged according to their response to CFPB complaint number XXXX. 

XXXX initially mailed a statement to my parent 's address in XX/XX/XXXX. When asked, the representative at Elevate said that they mailed a letter on the same date as XXXX despite me having no record of a second separate letter. Upon hearing this, I realized that Elevate and XXXX must be part of the same group and that he was talking about the same letter, but your representative assured me that that is not the case and that he has never heard of XXXX. When pressed further, your representative said that the debt no longer belonged to the original medical group he had initially said that it did and that XXXX XXXX XXXX XXXX was the new owner of the debt. On XX/XX/XXXX, I called XXXX myself and asked the representative what their relationship to XXXX and Elevate was. She candidly said " Oh- that's us! We're all the same! '' Knowing this, it is clear that XXXX XXXX, Elevate, and XXXX are all engaging in deceitful and fraudulent collections practices. XXXX assured me that the debt had been written off as of XX/XX/XXXX and that they would no longer contact me in large part because they could not produce sufficient proof to verify the debt, but it is clear that XXXX XXXX/Elevate have resumed their contact albeit under a different name and that they have escalated to lying about their practices. Should these deceitful tactics continue, I will have no choice but to escalate the issue further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quantum Collection Agency is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/XXXX I got custody of my XXXX grandsons who lived in Alabama because their mother was in stage XXXX XXXX fighting for her life. I had to fly to Alabama and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to alabama and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XX/XX/XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX 1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 
1. I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 
2. when I moved into the unit the carpet was worn but clean, this was not new carpet. 
3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 

4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 EQUIFAX and XXXX XXXXXXXX is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

EQUIFAX and XXXX XXXX XXXXas erroneously since 2019 reported negative and false information to my credit report. 

This entity is reporting a charge off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give EQUIFAX nor XXXX XXXX XXXXritten permission to furnish this account. 

Account Numbered # XXXX
Product: Credit reporting or other personal consumer reports

A cease and desist letter were sent to XXXX and XXXX ( both of them impacting my credit report negatively ) They are required to cease ALL communication with me. 
FDCPA 15 usc 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium, Any medium includes my credit report. They owe me {$1000.00} for each communication they had with me since the letter was sent to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
po box XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Tx XXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard to the incorrect items on my credit report, it has been over 30 days and I haven't received any investigation results.
Product: Mortgage

I purchase my home in XX/XX/XXXX, now this current lending company took over my mortgage loan from another mortgage company early last year. XX/XX/XXXX. My mortgage payment at that time was {$1300.00}. In XX/XX/XXXX my house payment was reduced to {$1100.00}. I assumed it was perhaps my MIP insurance had dropped off as I had heard after 5 years FHA dropped it. I, however assumed, and did n't confirm the lower mortgage payment. I then received this Annual Escrow Disclosure Statement. Now, I have a {$2100.00} escrow shortage! Not only that, my house payment is now to be {$1500.00}! I have attempted to resolve this issue at least 6 times. Spoken to as many representatives. All of them can only recite the data on this disclosure statement! No one has addressed my concerns. How did I, after 6 years of ownership end up owing a shortage of {$2100.00}? Who initiated the change in my mortgage payment? Why was the change made? Why is my new mortgage payment {$400.00} more a month? I checked with my county tax, FHA MIP premiums, both of which the premium remains the same, or less! 
I asked to speak to someone in the Escrow dept, and was told the escrow department does not accept call. The representative said she would email someone in the escrow department and have them return my call. This was 4 days ago. Someone from the escrow dept sent me an email stating the very same information the representatives stated! 
I do n't know where to turn for help? I do not have the {$2100.00} they say I owe, nor can I afford another {$400.00} per month increase in my mortgage payment. Its worrisome how a mortgage company can dictate shortages, and increases without proper explanation to the consumer. I ask for assistance in this matter. 
I simply do not understand how
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries that i did not do or apply for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX