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

On XX/XX/2023, A rep from Chase bank called me to alert me about potential fraud. I spent about 30-45 minutes on the phone. After I kept being put on hold, I immediately hung up and waited for my local branch to open. I went o Chase Bank in XXXX XXXX Ca and spoke to XXXX XXXX. I have had over 10 visits since then trying to revolve the {$500.00} electronic wire fruad that occurred. I believe this was an inside job within Chase. I have never received any true letter of an investigation. Chase has the nameof the bank that received the wire ( XXXX XXXX  XXXX XXXX ) and person who did this wire. I have Never initiated a wire with Chase in the entire time I have banked with them. They told me no one would respond from XXXX XXXX. Then name of the person who received the funds is listed. There was NO action to assist me from Chase Bank. I sent letters, copies of my call logs where the number says JO MORGAN CHASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this CFPB complaint for you to know that I am a victim of identity theft. The current status should not be shown or re-appear on my file since I was already called the 3 credit bureaus to remove such inaccurate information. Credit Reporting Agencies lack proper record-keeping. The items are closed and when I requested records to prove theyre reporting erroneously and they failed to provide me with any evidence. Lets delete these immediately. The Bureaus are required to delete them all, but they failed to neither remove them. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise, remove these items immediately : 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 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 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
Product: Debt collection

Dear XXXX XXXX XXXX and Walmart Co. 

I am writing in response to your recent attempt to collect a debt that you claim I owe. According to your records, the debt was transferred to you, but I have serious concerns about the legality of this transfer and your authority to collect the debt. 

Please be advised that I did not sign any contract or agreement with your company, nor have I given you any authorization to acquire or collect on any debt related to me. Under both Texas state law and federal law, debts can not be sold or transferred to third-party collectors without the express consent of the debtor, especially when no prior contractual agreement exists between the parties involved. 

Under Texas Business & Commerce Code 17.46, any deceptive trade practices, including those involving unlawful acquisition or collection of debt, are prohibited. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) at the federal level outlines the rules and protections regarding debt collection practices, and a debt collector must prove that they have legal standing to collect on any debt. 

Since you have not provided any documentation proving a valid contract between us, I believe that the acquisition of this debt by your company is illegal and that you do not have the legal right to pursue collection efforts against me. As such, I request that you immediately cease all collection activities and provide proof that the debt was legally transferred to you or that a valid contract exists between us.
Product: Credit card

On XX/XX/2023, I charged two XXXX cruise line tickets for {$340.00} and {$340.00} to my Chase Freedom credit card for a trip in XX/XX/2023. About two weeks later I had to cancel the cruises because I learned I would need XXXX XXXXXXXX XXXX  and would not be able to take the trip. 
I canceled the tickets and I received partial credits of {$140.00} and {$140.00} for a total of {$280.00}, leaving balances of {$200.00} on each ticket for a total of {$400.00}. So I disputed the balances still charged to my card, and Chase ruled in my favor. I eventually received letters for both disputed charges, saying that the ruling was in my favor because XXXX did not present compelling evidence to not justifying a full refund. 
This is when the problem started. Instead of applying the credits individually to the tickets, Chase applied both credits to the {$340.00} charge and another of {$57.00} on XX/XX/XXXX to XXXX that out. They apparently overlooked refunding the {$340.00} charge and I had to remind them of that. On my XXXX statement they gave me a credit for {$340.00}, and I had a XXXX balance for both charges. 
But then on XXXX XXXX, I got a letter from Chase saying they had audited my account and decided that the credits had been applied to the {$340.00} charge instead of the {$340.00} charge. Because they had issued a full credit on the {$340.00} charge they said I had been overcredited by {$280.00}, and they charged that back to me.To this day I don't think they have been able to figure out that the {$280.00} was applied to another charge. Every person I talk to seems to be hopelessly confused by the record of notes and unwilling to simply look at my past statements to understand what transpired. 
I have been arguing with Chase representatives ever since about this, and on multiple occasions I have been able to make the person I was talking to understand this was a mistake. I have been promised multiple times I would receive a credit for {$280.00}, but it has not happened. This past Thursday, XXXX XXXX at XXXX XXXX a supervisor ( XXXX XXXX who is a dispute escalation supervisor ) once again said that I didnt owe it and a credit would be issued. She said to give her a week. I waited a week and called XXXX XXXX about XXXXXXXX XXXX A senior specialist told me that the record showed that several people had indeed agreed with me and had issued requests for credits, but the auditing department refused to correct the mistake. He said that I could submit another dispute, but the result would be the same. After I hung up with him I paid the bill in full and canceled the card. 
If I won the disputes and XXXX did not receive the money, that means Chase is receiving my money as a profit. It appears Chase employees are incapable of understanding simple bookkeeping, or they simply are refusing to correct their mistakes. I think the department that made the incorrect chargeback is the one that is supposed to issue a credit to me. Every person I talked to had a different excuse for why I had been charged {$280.00} after the two charges had been credited, leaving me a XXXX balance.
Product: Debt collection

I was never initially contacted by the said debt collector to verify the debt was mine. I received an email that my credit score dropped and I had an account due for collections. I had to call the number given in my XXXX report. I asked them for proof that the debt was mine and I was immediately met with abusive and bullying tactics. I explained to them that i was in the process of buying house. That's when it got personal. The rude and condensing lady who I spoke with laughed and said " Good luck buying that house now '' after some words back forth I was connected to another person who advised me that he was the guy, and I quote, " who make losers like me pay my bills '' I can't remember his name but I remember his voice. He called me well after XXXX XXXX from a spam risk number and begin reciting legal jargon and said he could have me sued and he could have the cops come take anything I own for the amount of the debt I owe. I eventually received a vague and suspicious letter in the mail. It in no way proved I owed any debt. It took at least two weeks or more before I received the letter and it has no instructions or tear off sheet that explained my rights or any information on how to dispute this debt. I had to take off several days of work and spend countless hours on the phone trying to figure this out.
Product: Money transfer, virtual currency, or money service

I fell in the complaint against Cash App block in due to inadequate customer service an affair practices, which violates the customer financial protection act.
Product: Credit reporting or other personal consumer reports

I have a debt consoldation working on some of my accounts. There has been 3rd party collection on my credit. There is also old information on my report keeping my credit score way down. I also would like to know if capital one used my info wrong and im on the lawsuit?

Also i would like to know if im on the list for XXXX XXXX and the other credit reporting agency i just cant think of it right now
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my profound dissatisfaction and concern regarding Experian 's handling of my recent credit report dispute, submitted on XX/XX/XXXX ( XXXX ) and a prior letter on XX/XX/XXXX. Despite the clear mandates of the Fair Credit Reporting Act ( FCRA ) - specifically sections 15 U.S. Code 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ) - which require prompt investigation and response to disputes, my experience has been marred by delays and a lack of substantive communication. Experian also has not respond to CFPB # XXXX. 

Following my dispute submission, I received what can only be described as a 2nd stall letter from Experian. This correspondence lacked any meaningful update on the status of my dispute, directly contravening the FCRA 's stipulation for a timely investigation process. It has come to my attention through a CFPB report that Experian may be employing automated systems to issue such non-responsive letters, presumably to divert consumers towards online dispute resolution methods. This practice, while technologically modern, does not absolve Experian of its legal obligations to consumers like myself. Reference to the report can be found here : CFPB Report on Credit Reporting Agencies. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-issues-report-on-transunion-experian-a nd-equifax/ The FCRA mandates a 30-day window for credit reporting agencies to investigate disputes and provide a response. The lack of compliance not only hinders my financial well-being but also raises questions about the efficacy and integrity of Experian 's dispute resolution process. I urgently request that Experian be directed to : Remove those accounts or immediately proceed with a thorough investigation of my dispute. 
Provide a detailed progress report on the investigation without undue delay. 
Clarify the procedures employed to ensure the accuracy and completeness of credit report information, as per my rights under the FCRA. 

I draw your attention to precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, where courts have ruled against credit bureaus for failing to fulfill their investigative obligations under the FCRA. These cases underscore the potential legal ramifications of neglecting consumer disputes. 

In light of these concerns, I demand that Experian adhere to the FCRA 's requirements by removing those accounts or not only conducting a proper and timely investigation but also by providing a comprehensive explanation of their investigative procedures within 15 days, as stipulated by the law. 

Failure to address these issues promptly will compel me to consider further action to ensure compliance and accountability. I trust that the CFPB will take my concerns seriously and facilitate a resolution that respects my rights and the legal obligations of Experian. 

Thank you for your attention to this matter. I look forward to your swift response and intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Affidavit of truth in support of my dispute claims with the three major Reporting Agencies and the Creditors that provide the information to the Credit Reporting Agencies. Information contained in my Consumer File/Report is inaccurate, misleading, and unverifiable accounts are to be deleted promptly. As The Consumer this incorrect information has caused me great financial duress. My Credit Scores have been impacted tremendously. My rights have are being violated as stated in and under the FRCRA.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint due to multiple unauthorized, inaccurate, and unfairly reported items on my credit report, which are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These errors are severely impacting my creditworthiness and financial opportunities.

1. Unauthorized Hard Inquiries The following hard inquiries were made on my credit report without my consent or a permissible purpose under 15 U.S. Code 1681b, negatively affecting my credit score : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries must be removed immediately, as they violate federal law regarding permissible purposes for accessing consumer credit reports.

2. Inaccurate Collection Account The following collection account has appeared on my credit report without my authorization or consent. Under 15 U.S. Code 1681s-2 ( a ), data furnishers must ensure the accuracy of the information they report. This account must be removed immediately : XX/XX/XXXX ( Account : XXXXXXXXX ) Reported on XX/XX/XXXX Balance : {$1100.00} 3. Closed Account with Unfair Late Payment Marks The following closed account contains late payment marks that unfairly harm my credit profile and fail to meet reporting standards under 15 U.S. Code 1681b and 1681c XX/XX/XXXXXXXX ( Account Number : **** ) Balance : {$2700.00} Opened : XX/XX/XXXX These late payment marks must be removed as they do not comply with federal regulations on accurate credit reporting. 
4. TransUnions Inaccurate and Unfair Reporting of Late Payments TransUnion is incorrectly reporting late payments for XXXX, XXXX, and XX/XX/XXXX on my mortgage account with XXXX XXXX XXXX ( Account : XXXX ). These payments were misreported despite the fact that my billing statements were not provided at least 21 days before the due date, violating 15 U.S. Code 1666b of the Truth in Lending Act ( TILA ).

Additionally, this misreporting violates : 15 U.S. Code 1681i Requiring credit reporting agencies to conduct proper investigations of disputes.

15 U.S. Code 1681s-2 Mandating data furnishers to ensure accuracy and promptly correct errors.

I have attempted to dispute these inaccuracies with TransUnion, but no corrective action has been taken. These errors must be removed immediately to ensure compliance with federal law and prevent further unjust damage to my credit score.

5. Request for Immediate Investigation and Correction I formally request that all unauthorized and inaccurate items listed above be removed immediately from my credit report. These errors violate federal law and continue to cause unwarranted financial harm by reducing my creditworthiness and limiting my financial opportunities.

I have attached supporting documentation, including my FTC identity theft report, to substantiate my claims.

I trust that the Consumer Financial Protection Bureau ( CFPB ) will intervene to ensure that XXXX and TransUnion take appropriate action to correct these violations and comply with the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed multiple billing discrepancies. The late payments shown dont align with my typical payment behavior.
Product: Credit reporting or other personal consumer reports

In the CFPB complaint filed XXXX, I requested the details of all charges/purchases that was allegedly made on account that be provided in detail.

I requested that each transaction be identified with the merchant/company that processed payment along with each purchased amount total and dates of each transaction.

The response that I received from Equifax Is a clear indication of negligence to properly review the complaint and provide the specific information required.

Equifax responded that the account has been confirmed that it belongs to me, when that wasnt my request for information. I know the account belongs to me. I need to confirm that the information being provided is legit by going into the detailed statements made by XXXX XXXX about their being up paid charges to the account.

They never provided me the details of these charges and the total amount for each charge before the account was closed on XX/XX/year>. 

AGAIN IM ASKING FOR THE CHANGE DETAILS OF THE ACCOUNT. WITH EACH TRANSACTION TOTAL AND COMPANY NAMES WITH DATES OF EACH PURCHASE MADE If this information cant be provided, that means the fees are at question to not be valid IM NOT REQUESTING VALIDATION IF THE ACCOUNT BELONGS TO ME!!!!!!
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. 

XXXX XXXX XXXX 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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was dismayed to see accounts that dont belong to me, and I cant understand why they appeared. This has never happened before during my regular checks. Thinking it might be a browser error, I refreshed the page, but the inaccuracies stayed. I need these inaccuracies addressed by carefully reviewing the documents I've submitted to give me peace of mind.
Product: Mortgage

I am dealing with an estate situation, the servicer is not working with third party authorized due to pending litigation.

There is no litigation, there is no attorney, they are holding our loan resolution hostage by not cooperating with our third party. the communication is lackluster, we are forced to deal with the banks attorney and its not easy, they don't get back to you fast. We have tried to get the file out of litigation, they can not provide us with an attorney name ... an attorney who is supposedly representing us, so that we can't even fire a fictitious attorney ... ... when we call directly they will not furnish us with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Product: Credit reporting or other personal consumer reports

You fit send my acct to collections when Im paying direct from bank account every month XXXX XXXX closed my account and never advised me and I have more acts with them in excellent standing My XXXX was back in 2010 The XXXX information is compromised because my information was hacked in their system and I have the proof so theyre reporting wrong information in my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX REGIONAL ACCEPTANCE Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally report an incident of identity theft and fraudulent accounts on my credit report. I recently obtained a copy of my credit report from XXXX, and I discovered several unauthorized accounts and transactions that I did not open or authorize. This is a matter of utmost concern, and I am seeking your assistance in resolving this issue. Please find below the details of the fraudulent accounts : 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/2022 Remove these fraudulent accounts and any associated negative information from my credit report as they are not a result of any legitimate transactions I have made.

I understand that this process may take some time, but I kindly request that you keep me informed of the progress and any actions taken to resolve this matter. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report.