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

In XXXX of this year, after unsuccessfully trying to contact the vendor, I called Chase to dispute charges for automobile service that turned out to be fraudulent. I was told that I would receive a request for information. When after more than a week, I had not received the request, I called again, and was told a request had been mailed earlier ( I had not received it ) but not to worry, another request was on its way. In response to that second letter, i sent documentation to Chase by uploading on its website. Chase then closed the dispute saying it hadn't received additional information. I called again and was told that the notwithstanding instructions in its letter, I had to mail or fax the information, not upload. So, Chase told me it reopened the dispute and I faxed some information in. Chase then denied the claim, saying in a letter that a significant amoiunt of time had passed, even though the reason so much time had passed was because Chase had mislead me about its process and how to submit information. So I called again, and was told that the denial of the dispute was because of information the vendor had sent in, not the passage of time. I responded that I had not been given an opportunity to respond, and asked for the information, and Chase then sent it to me. I then called Chase again to ask for an opportunity to dipsute the information provided, and i spoke to a supervisor who then told me that in her iew Chase had mishandled and mischaracterized the dispute and that she would send the claim for review with her recommendation that Chase credit the disputed amount to me because of the mishandling. She also said I should wait for about 15 business days to see what happens. I received no further information, so I called today and was told the review was denied almost a month ago, and Chase had no obligation to notify me about this. The dispute inovlves a vendor who misrepresented the type of parts to be used and then installed the parts incorrectly. This all is explained in the correspondence that is attached with all the dates etc. Chase has not processed this matter or dealt with me in good faitih but has deliberately tried to discourage me from exercising my legal and contract rights. The vendor 's response to Chase contains a number of falsehoods, but Chase has not provided me with an opportunity to respond. Chase claims that some time periods may have expired, but that was not what I was told in my first call in XXXX. And, Chase has waived any right to make those cliams by accepting and processing the dispute. Chase has an obligation to do so in good faith, which it has not done. Please see all the attached documents.
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.

1 ) Account XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXX ) Account XXXX XXXXXXXX These XXXX accounts 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/year> The company Unifin sent out a text trying to collect funds. Trying to figure out how they get my number to send out a text. Not paying no 3rd party collector when my information probably was linked out in the cyber attack.
Product: Checking or savings account

I made a money transfer on XX/XX/2021 through XXXX ( XXXX ) in the amount of {$2000.00}. The transaction went through alright. 
A second transfer of {$2000.00} was made on XX/XX/2021 which also went through alright. 
The third transfer was on XX/XX/2021 also in the amount of {$2000.00}. But this time, transaction was not completed on the side XXXX. Several calls to the merchant didnt show anything positive. 

On XX/XX/2021, I called my bank to request for a chargeback of the amount involved in the incompleted transfer. My bank ( Chase ) refunded the money to me on XX/XX/XXXX and took it back on XX/XX/2021. 
Meanwhile XXXX had sent me an email to cancel the XX/XX/XXXX transaction with no reason. 

The representative of chase rather claimed chargeback on the XX/XX/XXXX transaction rather than XX/XX/XXXX transaction. Which brought a dispute between myself and the merchant. I had to pay the merchant thence because Chase is unable to cancel the chargeback I requested. I paid the merchant with 2 {$1000.00} money order through the mail. 

Now, the debit on my account for XX/XX/XXXX should be refunded to me but Chase suggest the merchant has been paid that amount. The merchant insists they have not been paid. 

Chase has issued records of payment on XX/XX/XXXX but the merchant still argues no monies received. I dont know where to claim my {$2000.00} refund. 
Now Chase tells me the issue could be resolved outside Chase and I dont know where. 

Either the merchant ( XXXX ) has received the money and declines or Chase holds the money.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the blocking and deletion of multiple fraudulent accounts that have appeared on my credit report. I am a victim of a data breach, and the following accounts were reported without my authorization. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate removal of the following fraudulent items from my credit file : Fraudulent Accounts : 1. Bankruptcy Chapter 7 o Case Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

due to careful analytics investigation, XXXX XXXX XXXX. is a third party that I have no legal bond or contract with or gave authorization to. account owner XXXXXXXX XXXX XXXX XXXX XXXX original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX balance {$1300.00}, last payment date XX/XX/year> showed serval inaccuracy on the report as will, inaccurate information dates, payment and more
Product: Debt collection

Debt collectors calling telling me that I will be sued if I do n't pay. She calls a couple times a week threatening me with lawsuits and jail if I do not pay.
Product: Mortgage

Rocket mortgage has been overcharging my escrow account. They doubled the % of what my taxes should be. And when Ive called to ask them to do an analysis nothing has come of it. I called in XXXX and nothing happened despite being told an analysis would be done in 7-10 business days. Then, I called on XXXX XXXX and spoke with XXXX. He said it would be done soon. Then on XX/XX/XXXX I spoke with XXXX who said it would be done in XXXX. On XX/XX/XXXX I spoke with XXXX. Despite website saying XXXX he said mine wont be getting done until XXXX. But he can put in order for analysis. The account is vastly overfunded. The monthly payment is way more than it needs to be and as I continue to ask someone to look into it I feel I get nowhere. The larger amount is causing hardship and should not be held by company interest free for months
Product: Credit card or prepaid card

Wells Fargo has continued to charge huge amounts of interest to my credit card account making it impossible to keep up and which takes away significant amounts of my credit. I have tried to talk with them about it but the problem continues. 

My account was at the top of its credit limit and Wells Fargo just applied another amount of interest between three and four hundred dollars and are telling me to pay the over credit limit amount at once. 

The reason the account balance is so high to begin with is that Wells Fargo has neglected/mishandled thousands of dollars of disputed/unauthorized/or fraudulent charges to my credit card. I am due credit for these disputed incorrect unauthorized charges which would eliminate these large interest amounts. I have tried to communicate this with XXXX. and have asked for assistance of the Executive Office, but there is never any proper follow up or attempt to listen, review, and properly resolve the issues and properly credit these improper transactions. 

Interest rates have never decreased since i have had the account since XX/XX/2016 ( six years and eight months ). 

Wells Fargo has harmed my credit due to this large amount of debt showing on my credit card when they have not properly addressed and mishandled disputes. Then they add huge amounts of interest which only shows my debt to worsen. This debt is inflated and being improperly and/or falsely reported to the credit agencies, as I am disputing that this amount of debt is not owed.
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX came to XXXX PNC bank located in XXXX, AL on Sunday, XX/XX/2022, around XXXX and tried to deposit money onto my cash app card. Why I thought I could do that, I am not sure. However, the ATM took my money and didnt return it to me. I gave the ATM over {$1200.00} I visited the bank and they told me it wasnt anything they can do because I didnt bank with PNC Bank XXXX I will have to dispute it with cash app which Im not understanding because the bank has my money not cash app. Please let me know if there is anything you all can do to have my money return to me. I also reported this incident to XXXX. XXXX XXXX from PNC Bank gave me a call concerning the deposit at the ATM. She stated that the ATM was a third party machine and that the third party company havent reported any overage in the ATM. I reported this incident to cash app and they stated that they do not see any transaction being made to my card and since I deposited the money at PNC Bank ATM that PNC Bank will have to return my money.
Product: Credit reporting or other personal consumer reports

I would like to file a formal complaint against Experian for reporting information that the merchant or owner of the account is not providing. The account is owned by XXXX XXXX this account is a close account and it has been for many years. Every month this account is updated with the credit bureaus and no credit usage percentage is included in this update as XXXX synchrony bank does not include any credit usage percentages on closed accounts. On my Experian credit report it's reporting a credit usage of 81 %, which was not provided by the merchant. Ive asked XXXX XXXX XXXX  to update the account to make sure no credit usage percentages were included in the updates and they did. The other two credit bureaus XXXX and XXXX updated the account and remove the credit usage percentages except Experian. Ive been dealing with this issue and even had a case number and escalated it since XX/XX/XXXX. I have my case number XXXX. This matter is still not resolved as you can see from the image they are still reporting information thats not being provided by the account holder.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX continues reporting a false collection. They are also falsely representing themselves as ATTORNEYS on the credit report with credit bureaus. The disputed amount was paid directly to and on time to electric coop by Title closing company XXXX XXXX at closing on XXXX XX/XX/year> during sell of previously owned property. Numerous attempts to dispute and stop this collection agency from false reporting which has impacted my credit rating have failed.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan with Mariner Finance. They offered an unsecured loan ( for a lower amount ) and a secured loan ( for a higher amount ). I told them I have no interest in a secured loan, i dont do secured loans, and I was very adamant that I do not want a secured loan. On the day they asked me to come in to sign documents, there was a page that asked for personal property. I asked the girl who was supposed to be helping me sign, why its asking for personal property if it isnt a secured loan. Her response verbatim was " Oh that is just something that we have to add ''. She assured me it wasnt a secured loan. I found out months later that its being reported as a secured loan. They were supposed to help answer questions, and i specifically told them, and was very adamant that i DO NOT want a secured loan. Now im being locked into a secured loan after being very explicit that i have no interest in a personal loan. When i called the local branch, I actually got the girl who helped me that day and I repeated to her that i did not want a secured loan and I told her that and asked her about the personal property page. She said " you knew very well it was a secured loan!! '' and raised her voice over me, then put me back into the hold queue... i even tried to say " ma'am, please let me finish my sentence '' and she just kept talking over me and that is when she put me back into the hold queue.
Product: Credit reporting or other personal consumer reports

I have reached out to Transunion about possible fraud. I explained i had inquiries that i did not authorize. They did not try to assist they said inquiries stay on credit reports for two years which i already know that but i did not authorize these inquiries so they are due to fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> my information may have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Vehicle loan or lease

I previous notified Santander, experian and the other credit bureaus that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Removeany chargeson the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Pleasestop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account :
Product: Debt collection

On XX/XX/XXXX I took a look at my credit report as I was researching and looking into applying for a mortgage. Incidentally in XXXX I was denied a loan due to this collection account. On XXXX the XXXX I sent a certified letter requesting they validate this debt with no response from the company in the 30 day deadline. I refreshed my credit report and debt was still on my credit report on XX/XX/08 and it was noted on my credit report stated I disputed and the information was accurate with no response to their reasoning to why this was accurate. I sent another certified letter dated XX/XX/XXXX with this letter being a HIPPA cease and desist and requesting them to once again validate the debt and once again as of today there was no communication from the company to validate my debt. I will attach copies of the two letters as well as the two signature receipts signed by the company. I followed all criteria to satisfy this dispute and this company violated every FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent letters to XXXX, Experian and XXXX  stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy XXXX and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them on XX/XX/2020. they have also exceeded the time allotted by law to remove these items off my credit file
Product: Credit card or prepaid card

XXXX XXXX sold the XXXX buy power card to Marcus Goldman Sachs. On Saturday none of my cards worked called XXXX XXXX and was told to call Marcus Goldman Sachs. Called and was put on hold for over 30 minutes than disconnected. Called back to a recording that now says they wont help XXXX  XXXX customers until the 22. Called on the 22nd where I waited 3 hours for a call back only to be told in that call back that my account didnt fully transfer and they dont know why. Try to log in at XXXX to a page that says they need info and to call them. Call them to 3 hour hold times. Was told I will get a call back from a manager in 24-48 hours but I doubt it. Meanwhile XXXXl XXXX closed my account which was my longest open account at 15 years and due to the age of that card and my available credit sinking my credit score dropped 40 pointsgreat since I never had a late payment and paid the card off weekly. This is a terrible rollout and expect a class action lawsuit. Signed up for a XXXX card with citi. XXXX and XXXX XXXX should be ashamed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX XXXX and Transunion Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2020. Because I did not apply for credit with XXXX XXXX on that date. Please launch an investigation into the XXXX XXXX  inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting ActXXXX XXXX XXXX XXXX account # 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 an account without my written instructions.
Product: Vehicle loan or lease

I need the loan payment lowered to better suit my financial situation. I'm a single mom with a XXXX year old daughter I'm providing for on the salary of a XXXX position. My rent is {$700.00} per month and I also am providing food for my entire household. I make between XXXX and XXXX weekly. My insurance on my vehicle is close to XXXX  monthly. When you factor in my $ XXXX   monthly car payment which I took on when my financial situation was better off I'm having to choose between transportation, food for my family, and a roof over my family 's head. I need the payment lowered to something more manageable even if it means drawing the loan out longer. Something closer to {$250.00} would be more manageable for my financial situation. I do plan to attend school and am looking for permanent employment but these things take time.
Product: Debt collection

I received two letter in XX/XX/2021 from a third party debt collection agency. A third party company cant purchase my information under the law 15 USC 1692 ( b ) it is infringing my consumer rights and privacy. How did they get my information? I didnt give it to them its safe to assume they stole my identity because I never gave them permission to have it. Which is a violation 15 USC 1681 ( 3 ) In addition the letter did not disclose that this is an attempt to collect a debt which is a violation under 15 USC 1692e ( 11 ) I received mail from and unknown company with an account number and positive balance it didnt say it was an attempt to collect debt. I was under the impression that I was about to receive money, how do you pay on a positive balance?

Under 15 USC 1692d the letter was threatening to report me to the credit bureau for this alleged debt if I failed to fulfill the terms see attached my reputation is ruined under the FCRA 15 USC 1681 all you have to do it pull my credit and see how its been ruined In addition 15 USC 1692e misleading and false representation of the amount of the debt again how do pay on a positive balance.

I was not given validation of the debt which is required by law I am the consumer and under the law 15 USC 1692 G ( c ) I dont owe and debt this is alleged debt and I am not obligated to pay. I am the only one that can validate. No investigation was done and If It was no information was provided Under the law 15 USC 1681 AE you have to do interviews with family, associates and neighbors I have been injured multiple times all listed above this has cause me a great deal of stress ruined my reputation caused embarrassment I need this fraud to stop I need to be made whole again