23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was notified of a transaction on XX/XX/XXXX for me to verify on my Chase XXXX Credit Card as potential fraud. The transaction was in my town at a drugstore, with the card used in person, I only have XXXX card ( always in my possession ), and I do not use that drugstore. Chase added a stranger as authorized user on XX/XX/XXXX or XX/XX/XXXX ( name, address and phone # for XXXX ) on my account without my consent, sent them a secondary card to an address not on my account WITHOUT my consent or any two-factor authorization with me, the account owner. When I called consumer fraud protection, they had to call me back to verify it was me to report the issue, would not disclose who or where they sent my card to, and therefore, I can not file a police report. They didn't need XXXX to add a stranger to my account, or to send a XXXX card out to an unauthorized address. This person is attempting to steal my identity and infiltrate all of my financial accounts-and Chase is treating me like the perpetrator, rather than assisting me to protect myself from identity theft all because of their error. 
There is no alert activity to me prior to the XXXX ( after midnight ) when I addressed the issue. see attached.Chase removed everything else off of that account for me to see as they issued a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT MY IDENTITY THEFT PACKAGE TO EQUIFAX AND THEY ARE NOT COMPLYING WITH FCRA WHICH STATES TO REMOVE ACCOUNTS WITH IN 4 DAYS AS STATED , per FCRA Section 605 B.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding my credit report. XXXX consistently responds within 24 hrs. stating that the account is accurate without providing evidence of a proper and thorough investigation of dispute. this practice violates the fair credit reporting act { FCRA } 15 U.S.C. 1681i, that mandates responsible investigations of disputes. XXXX actions may also violate financial protection act 12 u.s.c 5536 [ a1 ] -b as highlighted in the CFPB 's recent administrative proceeding file # XXXX against them for the same practice I ask that CFPB ensures XXXX complies with federal law with the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today, XX/XX/XXXX I received a notification from XXXX XXXX XXXX  and XXXX advising that a new debt was owed to XXXX XXXX XXXX in the amount of {$11000.00}. This is a false amount owed. For the past almost 6 years this same company under another parent name of XXXX XXXX XXXX has been reporting a charge off for the same XXXX Cobalt of only {$4100.00}. Per the screenshots directly provided from XXXX  website. This is the same vehicle and account as you can also see by the date the account was opened : XX/XX/XXXX. Being that they are coming up on their expiration for reporting they have randomly added this false information to my credit line in an attempt to swindle more time and money out of me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX, Account:XXXX Balance : XXXX, This account is fraudulent. I Never authorize this account. Never used the account. Never sign any documents for this account. Never Sing any online document showing my IP Address or location for this account. I never took advantage of this account. There is no proof that attached me to this account. 

I am a victim of fraud and identity theft. There is someone unknown to me that has used my personal information for diverse purposes including but not limited to obtaining financial services, credit accounts, utilities, insurance, etc. Taxes may be filed on my name in my current or other jurisdictions in the United States.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of inaccurate bankruptcy information on my credit report. Upon reviewing my report, I discovered references to a bankruptcy filing that do not pertain to me. I have never filed for bankruptcy, and this erroneous record appears to be the result of a mix-up with another individual who has a similar name or address. This mistake is causing undue harm to my creditworthiness, and it is critical that the inaccurate information be corrected. Specifically : 1.The bankruptcy language must be removed entirely from my credit report as it is not associated with me or my financial history.

2.Any accounts, notes, or status changes related to the incorrect bankruptcy should also be removed or updated to reflect accurate information.

To assist with this dispute, I am providing the following details and documents : My personal identifying information : XXXX XXXX, XXXX : XXXX, XXXX : XX/XX/1979 Proof of identity and address : A copy of my government-issued ID and a recent utility bill to confirm my identity. 

This situation seems to have arisen from the merging of my file with someone who has similar identifying details. I request that your agency : 1.Investigate the origin of this bankruptcy record and verify its accuracy.

2.If the information can not be verified as accurate and directly associated with me, it must be permanently removed from my report under the Fair Credit Reporting Act ( FCRA ). 
3.Provide a written confirmation that the bankruptcy language and any related references have been removed from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX Bankruptcy XXXX XXXXdischarged Reference number : XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. I looked at my XXXX credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are not supposed to 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: Credit reporting, credit repair services, or other personal consumer reports

I am reporting all accounts on my credit report that are inaccurate I have no acknowledgment of these accounts I reported this several times and the credit companies still arent removing this off my of my report causing My credit score to be low.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were INNACCURATE. Under federal law, you have thirty ( 30 ) days to complete your investigation. It has been well over 45 days, almost 2 months.
Product: Debt collection

Received a call today at XXXX XXXX from ( XXXX ) XXXX, which is the official number for the New Jersey Division of Taxes . The caller ID showed NJ DIV TAX, but I've never lived or worked in NJ so I let it go to voicemail. 

Listening to the voicemail, there was a message from a XXXX who was looking for two people, one who shared my last name, but I don't know either of them. The message was about a " private business matter '' and they left a number to call back ( XXXX ) XXXX. 

I called them and it turned out to be some debt consolidation company, by which I assume they meant debt collectors considering they spoofed the NJ Government number. XXXX was not available, but I let the receptionist know to not call me again as I held no debt with no them.
Product: Debt collection

At XXXX on XX/XX/2019 I received a phone call from XXXX. It is from Medical Data Systems. It was a recorded message saying this is an important message for XXXX XXXX, if you are not XXXX XXXX please hang up, if you are XXXX XXXX please continue to listen to this message. I hung up. I am XXXX XXXX but I will not listen to a recorded message which is robo calling and totally against debt collection practices. If would have been a live person I would have talked to them. They do not identify themselves as debt collectors.
Product: Credit card or prepaid card

I was with chase card service since 1992 everytime i turn around they jack up my intrest rate.they claim it's the government doing it by law. I notice when my bill gets lower the intrest rate go up.from 1992 i suppose to have a fix rate.then went from 11. % to 14 % .call company may be 6 times over the years and they claim that im a value customer and will keep me in mind.but never lower it.so im paying high intrest fee on the money.so the last 2 years im just paying and not using the card but its a way to keep me in debt.
Product: Debt collection

I moved from XXXX XXXX in XXXX XXXX, La in XXXX of 2021. I have Email and Written letter proof where I advised the leasing office I would not like to renew my lease on XX/XX/2021 and I would be moving. They proceeded to place a collection debt and eviction on my credit for {$930.00}. While living there the rent was only {$740.00} which I paid for the last month I was there. I tried to call and speak to the leasing office and property management in regards to the issue where I was met with push back and verbally offensive treatment. They were not willing to tell me why they felt this was my responsibility. I am looking to have these false claims removed from my credit report.
Product: Credit card or prepaid card

One day earlyXX/XX/XXXX, I received from Amex a package containing a new credit card that I have never requested. I immediately contacted Amex at the number printed on the card and complained. I also brought up a very specific request that Amex should investigate when and who applied for the card impersonating me knowing my SSN.
Amex call center representative agreed. But in the letter dated XXXX XXXX from Amex and XXXX, they only apologized for any inconvenience short of mentioning anything about possible ID theft investigation. As I complained over the phone again about their insincerity, I decided to escalate it to the government. The number of the card : XXXX XXXX XXXX Expiry : XXXX Card Holder 's Name XXXX XXXX XXXX ( my original name prior to the naturalization inXX/XX/XXXX ) The package was mailed to my previous address at XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX ( c ) ( XXXX ) XXXX email : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Amounts from Credit Report Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of negative amounts from my credit report. Upon reviewing my credit report, I noticed several negative entries that I believe inaccurately reflect my financial history. I have outlined these discrepancies below : XXXX XXXXXXXX XXXX XXXX XXXX / XX/XX/XXXX ( Negative Account ) XXXX XXXXXXXX XXXX  : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ( Negative Account ) I would like to emphasize that these negative entries are erroneous and do not accurately reflect my financial behavior. I have diligently maintained timely payments on all my accounts and have taken proactive steps to improve my creditworthiness. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate these discrepancies and remove any inaccurate negative amounts from my credit report promptly. I have enclosed copies of supporting documents, including payment records and correspondence with the respective creditors, to assist with your investigation. I understand the importance of an accurate credit report in facilitating fair access to credit and financial opportunities. Therefore, I urge you to expedite the resolution of this matter and provide me with an updated credit report reflecting the removal of the erroneous negative amounts. Please inform me of the outcome of your investigation and the actions taken to rectify the inaccuracies on my credit report. I can be reached at ( XXXX ) or via email at ( XXXX ), should you require any further information or clarification. Thank you for your attention to this matter. I look forward to a prompt resolution. 

Under The Fair Credit Reporting Act 15 U.S. Code 1681
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . 

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are inaccurate. 
I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within 3 days from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX XXXX Update status on dates followed to current status/paid as agreed. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my friend and I were looking to buy tickets for a concert of our favorite artist. We went to XXXX to see if anyone was selling their tickets for one of the shows and found this one person ( @ XXXX, formerly known as nin__cin__ ) who was selling tickets. We got in contact with them and thought that they were reliable because they sent us proof that they had the tickets. So we sent them {$750.00} for the tickets, including a service fee. They texted us back saying that there was a problem with their bank and that we would get refunded our {$750.00} by XX/XX/2022. Because they seemed so desperate to sell the tickets, they asked if we could instead, send their friend {$350.00} so they'd at least have some payment and in return, we asked if they could transfer one ticket. We still have not gotten the refund or the tickets.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Equifax and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance XXXX {$0.00}
Product: Debt collection

This is a case of fraud where I am the victim. Someone has used my name to open XXXX XXXX  XXXX  account in the city of XXXX, MI. Let me state this for the record that I never lived in XXXX nor any of my family member lived in XXXX. I never opened and nor I authorized any one to open such XXXX account. These charges should not be upon me. 
As a result of these facts, I have filed a police report in the city of XXXX MI report # XXXX and also contacted XXXX XXXX XXXX XXXX XXXX XXXX and uploaded documents in the case, ref # XXXX.
Product: Bank account or service

Reference Goldman Sachs Bank ( GS Bank ) ; GS Bank refused to accept written notice to close a CD at maturity. In my opinion this is an overly restrictive and punitive policy. If I were to close a CD that automatically renewed then the penalty would deduct from the principal that was used to " roll over '' the CD XX/XX/2016. 

I contacted GS Bank by phone on XX/XX/2016 and talked to " XXXX '' and again on XX/XX/2016 talking with " XXXX ''. I knew that I would be out of country when the CD matured and would not be able to call the bank. I told this to XXXX and she said it was company policy to handle account closing by phone only. I made it clear I was not happy and decided I would take action to close the account on my return. On XX/XX/2016 I called the bank to close the new CD and was told that the penalty would not be just the accrued interest since the roll over date but also deduct from the principal that was used to open the CD. Again, I told GS Bank that I found this an unacceptable policy and asked to talk to a manager. I was told by XXXX that he was a supervisor and that no one else would change the answer I was given. The penalty would deduct more than one year 's accrued interest in the account. 

My intent was to either open a GS Bank five year CD or move the principal to an competitive bank paying 1.95 %. I was not offered the opportunity to move the money to a new 1.85 % five year CD at GS Bank. 

Checking my financial files I found a XXXX page " Deposit Account Agreement '' from GS Bank. Reading this section on Certificates of Deposit it is not clear that a " phone call '' is required to close a CD. Seems to me I should have been offered the opportunity to provide written notice but was denied that option. I have several CDs with other banks and have been required by at least one bank to provide written notice, not a phone call, when closing an account. 

Simply stated, the GS Bank policy preempted my ability to improve the return on my funds. Because of the policy and the punitive penalty I can not move my money out of GS Bank for another two years. 

I would now like to close the GS Bank CD without penalty and seek support in getting GS Bank to change their policy. 

Thank you.
Product: Consumer Loan

Faxed court documents over to XXXX to support my dispute advised it would take XXXX hours for documents to be uploaded in the system. Documents were faxed on XX/XX/XXXX time XXXX military time that would be XXXX eastern standard time ( note this is on the confirmation page of fax being received ). Today I called after XXXX window advised that the confirmed fax that was sent to fax # XXXX advised fax is not on file so I asked if they were behind with uploading information Supervisor " XXXX '' so no if I sent it-it would be on file today. I explained to the him I have a confirmation that the fax was received on there end but it is within XXXX hours and still not on file something is wrong so he told me to send again. The time period they gave me was inaccurate keep in mind I validated the fax number and dispute number before faxing and was told I had the correct information.
Product: Vehicle loan or lease

For some time now I been trying to contact this company to come to a fix of some information that its showing on my credit report. 
Unfortunately, about 3 1/2 years ago, I was in a financial dilemma due to family member loss and health issues. As a result 7 of my payments to you were delayed and repossession of the vehicle. Because your account with me is extremely important I managed to borrow the money to cover the late payments and get the vehicle back. I paid those payments on seven occasions including repossession costs but I made sure to fulfill my obligation to ensure that the company suffered no loss. 
By the way when my card got repo I was told that it won't show repossession on my credit repost, my error was to believe in what the company told me and not ask for proof, which was all a lie. The company still reported including the late payments. 
Sent goodwill letter and for the last 4 year I haven't missed a payment.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX : {$4400.00}.
Product: Credit reporting or other personal consumer reports

I am filing this FTC identity theft Affidavit to report fraudulent inquiries on my Consumer XXXX score XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Mo XXXX XXXX
Product: Checking or savings account

On Tuesday, XX/XX/year>, four withdrawals for {$1000.00}. Each were taken from my checking account and sent to XXXX. I did not authorize these withdrawals and informed the bank. The bank told me the charges were pending and the money had been sent, but that I can get my money back by notifying the fraud department. I did that two days later. I filed a complaint, saying that I did not authorize these withdrawals. I was told by the bank later that my claim was denied because I had done business with XXXX in the past. I received a letter from the bank, saying they would not refund any of my money.
Product: Student loan

I believe my loan with Navient has been overcharged and a lot interests has been added, no details at all why balance that big. I get no communication or notification regarding that.
Product: Credit reporting or other personal consumer reports

Jc pennys card never late and never maxed out my cc took my limit from XXXX to what I owed XXXX for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have been contacted XXXX XXXX XXXX many times concerning my original contract with the company. I surrendered a vehicle on my own will, known as an XXXXXXXX XXXX To date XX/XX/2021 the car has yet to be sold. It is my intention to pay-off the remaining balance for the vehicle once sold, as I was verbally told by the company that this would be possible so my credit report would not show a large charge-off. When I made contact with the company as of XX/XX/2021 I was told that a report was made to all three credit bureaus showing the payment to be 180 ( + ) days late. I request your assistance in this matter, as this information is incorrect and I am trying to act in good faith here to resolve this matter correctly, as to not destroy my personal credit.