23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We do not accept Chase Visa determination that the transaction Post Date XX/XX/XXXX with XXXX XXXX XXXX for {$1500.00} is valid. 

We returned the disputed rug to the shop where we purchased it face-to-face. XXXX XXXX XXXX accepted the rug at the store in XXXX, XXXX and directed us to lodge a dispute with Chase, where XXXX XXXX XXXX said Chase Credit Card/XXXX will immediately refund the {$1500.00} purchase. 

On XXXX  XX/XX/XXXX, my wife, XXXX XXXX XXXX, and I spoke to a Chase XXXX  customer service representative, he advised that we submit a letter stating the fact that we returned the rug face to face at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

The elder owner of the shop told us to leave the rug at the store, and submit a dispute with our credit card, and they will honor the refund with XXXX. They said they want all their customers to be satisfied. 

Attached you will find the receipt with the date of return date. 

We need to put an end to this vendors fraudulent scam that left us with a {$1500.00} charge on our Chase XXXX Credit Card no rugs. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX
Product: Mortgage

I'VE ALREADY FILED A COMPLAINT. THE ASSIGNED CASE # IS : XXXX. 
I RECEIVED THIS LETTER ( SEE ATT. ) OF WHY THE LOAN WAS DENIED. THE REASON MAKES NO SENSE. 
I APPLIED ON XX/XX/20 WAS WORKING WITH XXXX AND WAS ASKED TO SUBMIT THE LIST OF THE FOLLOWING ITEMS BETWEEN XX/XX/XXXX & XXXX XXXX. : File Uploaded at XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XXXX XXXX   XX/XX/20, XXXX XXXX XXXX XXXX XXXX   XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX XXXX   XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX ( XXXX ) .XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX   ACCORDING TO THE LETTER THE REASON FOR DENIAL WAS : " TYPE OF LOAN NOT PERMITTED UNDER PROGRAM REQUESTED '' MY REQUEST WAS TO REFINANCE MY EXISTING LOANS ON MY PRIMARY RESIDENCE XXXX 

I NEVER CHOSE ANY PROGRAM. 

AND IF THIS SO CALL REQUESTED PROGRAM WAS NOT PERMITTED WHY DID THEY REQUEST ALL THE DOCUMENTS I SHOWED FROM XXXX TO XXXX AND DIDN'T ADVISE ME I NEVER CHOSE ANY PROGRAM. 

AND IF THIS SO CALL REQUESTED PROGRAM WAS NOT PERMITTED WHY DID THEY REQUEST ALL THE DOCUMENTS I SHOWED FROM XXXX TO XXXX AND DIDN'T ADVISE ME THAT WE SHOULD PROCEED IN ANOTHER MANNER? 
AS I SAID I DIDNT REQUEST ANY SPECIFIC PROGRAM AND THEIR REPRESENTATIVE XXXX WHO I SPOKE TO ON AT LEAST 10 DIFFERENT OCCASIONS NEVER TOLD ME OF ANY PROGRAM OR ADVISED OF ANY ERROR IN THE REFINANCING. 

THIS SEEMS VERY SUSPICIOUS AND AS I SAID IN MY INITIAL COMPLAINT I BELIEVE CHASE DOESN NOT WANT TO ALLOW THE LOAN TO BENEFIT FROM A LOWER RATE. 
THESE ACTIONS BY CHASE ARE DECEPTIVE ACTS AND PRACTICES IN MY OPINION.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts youre trying to collect I dont agree with them at all, and I think the amounts youre saying I owe are wrong. Dont bother sending me any proof I'm not interested. I know what's what and showing me proof wont change a thing. If you need to reach me, do it by email only between XXXXXXXX XXXX and XXXX XXXX  EST. Dont send any usps, ups, fedex or courier mail and no phone calls and voicemails because it is just a hassle and inconvenience. Just setting the record straight. ACCOUNT # XXXX
Product: Debt collection

The collection agency keeps submitting a medical bill that I never received against my credit report. I have no knowledge of this bill. I have disputed the bill repeatedly with the company, but also to the credit bureaus. The credit bureaus then remove from my credit report. The amount of the bill is around {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian owns a company Clarity Services Inc, which sells data to third parties for the sending of unsolicited credit and insurance product offers. The website XXXXXXXX is used to allow individuals to opt out of receiving these solicitations. The issue is that in addition to selling correct data which they then allow me to suppress via the opt-out website, they sell inaccurate data which results in me receiving solicitations for individuals who do not reside at my address. I purchased this home more than a year ago and currently receive solicitations for seven individuals and companies who do not live at this address. In looking at the names, one of those people lived at this address more than a decade ago and lost the home in foreclosure. It is not unusual for me to receive insurance solicitations for 5-6 of the names on the same date from the same company. I contacted Clarity Services at the customer service address on their website today, XXXX, asking how I go about getting those names removed from association with my home address. I was told there is not a way and it is not possible to stop them from selling that incorrect data. I want this reselling of data tied to my address to stop. The companies that are purchasing this inaccurate data are being defrauded as they pay for the information then pay for the printing/delivery of these solicitations. I can stop these mailings for myself but Clarity Services refuses to stop selling my address with other people 's names attached to it. How is it possible that I have a right to dispute credit report information and they are required to investigate those requests but they are not required to investigate when I report they have put my address with someone else 's name for their corporate profits?
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Unauthorized Disclosure of Financial Information Under 15 U.S. Code 6802 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure and use of my personal financial information in violation of 15 U.S. Code 6802. I believe that my financial privacy has been compromised due to unauthorized access and sharing of my nonpublic personal information. 

Details of the Dispute : XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10.00XXXX XXXX XXXXXXXX XXXX Balance : {$290.00} Nature of Unauthorized Disclosure : My personal financial information was shared with third parties without my explicit consent. 
Supporting Documentation : Identity Theft Report, Proof of Identity ( ID, XXXX and SSN ) Fraudulent Inquiries XXXX XXXX  Date of inquiry XX/XX/year> EXETER FINANCE XXXX XXXX XXXX inquiry XX/XX/year> XXXX XXXX Date of inquiry XX/XX/year> Legal Basis for the Dispute : Under 15 U.S. Code 6802, financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without first providing notice and an opportunity for the consumer to opt-out, except under certain circumstances. In this case, I did not receive the required notice, nor was I given an opportunity to opt out of such disclosures.

Requested Action : I request that you immediately investigate this matter and take the following actions : Cease any further unauthorized disclosure of my personal financial information.

Correct any records that have been improperly shared or disclosed.

Provide me with a written statement confirming that these actions have been taken.

Ensure that all my rights under 15 U.S. Code 6802 are fully respected moving forward. 
Please treat this dispute as urgent. I expect a written response within the time frame specified by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Yes my capital one account was hacked supposedly so capital one put restrictions on my account on XX/XX/XXXX. They told numerous times that they will fix my account and give me another account to start with. Its going on XX/XX/XXXX and I still havent got my account back right. I have {$3300.00} available in my account but they wont let me get my money or anything. They keep telling me lies about when it will be open and still nothing yet. Im behind on my bills etc. This is not right. I did everything they ask for my verified id.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a my Dispute letter dated XX/XX/2020 to all 3 Credit Bureaus! 

XXXX, XXXX  & Experian ( Please see attached Documents ) I received my XXXX  Credit File : XX/XX/2020 Confirmation # XXXX - The Results of Our Reinvestigation stated that XXXX XXXX XXXX, Account # XXXX The results are : this item has been deleted from the credit file. 

( Please see attached Documents ) However, this account is still showing on the other 2 Credit Bureaus EXPERIAN & XXXX!
Product: Credit reporting

Today when I went to see a real state agency I found out that in my credit report is a credit card for {$6700.00} which belong to my ex-husband. When he was my husband we had a joined account, but I am not part of his account anymore. 
How can I get that matter to be corrected? 
I called his bank but unfortunately they say I must contact the credit bureau. 
Thanks for your help. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I was a customer with Bank of America for over two years I had a good record with that bank until recently. Unfortunately in XXXX I had my wallet stolen & someone tried to commit fraud on my account when I called in to speak to the bank and make a fraud claim 3 different people gave me different answers on my account status and on what would happen to my state and federal taxes in my account. The bank has left me in a position of financial hardship because they are REFUSING to do anything or help in anyway or even credit me MY MONEY! While they do their investigation. I have a XXXX XXXX XXXX I live in XXXX, CA which is a city that just went through a major fire. And this is how they are leaving people. Their response is we will send you a check when the investigation is complete which can take up to 60-90 days nobody and I mean NOBODY in this city should have to wait that long after we just suffered something so horrid. Im tired of arguing with them I just want a SOLUTION. Not the run arounds honestly Im ready to hire a lawyer.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ACCEPTANCE RENTALS, has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I have sent numerous Certified letters to you ( copies of return receipts enclosed ), requesting that you remove inaccurate information on my Credit Report and you have failed to do so. Accordingly, I can show a judge the above aforementioned account 's are inaccurate and that you have willfully violated 15 U.S. Code 1681i : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period  described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. Be advised that unless this matter is settled to my satisfaction within XXXX days of your receipt of this letter, I will file suite in XXXX Country Small Claims Court , asking for damages in the amount of {$1000.00}, plus court costs. Attached is the Complaint I will file unless I hear from you shortly. 





Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining careful records of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. In addishon u must send me a form that bares my sigenutre on this situation of all debt you calme or you are reporting that bares my sigenture if you fail to do so i will take you guys to court
Product: Credit reporting or other personal consumer reports

Dear Equifax and XXXX Representatives, I am writing to bring to your urgent attention a matter of grave concern regarding the handling of my consumer credit information, which directly violates federal law. According to 15 U.S. Code 1681a ( i ), transaction history and experiences should not be reported on a consumer report. However, it has come to my attention that both Equifax and XXXX XXXX  have been consistently reporting transaction history and experiences on my consumer report since the XXXX account was opened in XXXX, despite my explicit opt-out request in XXXX. 

In XXXX, I formally opted out of XXXX XXXX  privacy laws through a documented opt-out letter, which should serve as irrefutable evidence of my request to cease the reporting of transaction history and experiences. Despite this, both Equifax and XXXX XXXX  have continued to disregard my rights as a consumer and flagrantly violated federal law. 

This breach of trust and blatant disregard for consumer rights can not be overlooked. Therefore, I demand the immediate removal of the following account from my consumer report : XXXX Account Number : [ XXXX  XXXX ] Failure to comply with this demand will leave me with no choice but to pursue further action. I will be compelled to file a congressional inquiry to have the governing body investigate this matter thoroughly, including the breach of contracts and the blatant violations of federal laws by both Equifax and XXXX XXXX. 

I trust that you will treat this matter with the seriousness it deserves and take immediate action to rectify this situation. I expect confirmation of the removal of the aforementioned account from my consumer report within 10 days of receipt
Product: Credit card

I have just started tracking my credit score, and I have not opened any credit cards besides a XXXX XXXX XXXX XXXX XXXX when I turnex XXXX, which I am working on closing the account when that card went missing. I believe it was XXXX credit lines opened I have no knowledge of. XXXX XXXXXXXX, XXXX and a Capital One Card. I have a car payment and other bills, but I have not applied for any other credit lines. I am looking to get a house in the next year, and I was shocked to see such a poor line of credit I had no knowledge of. I had previously had my Social Security number stolen, I went to my bank immediately to resolve it. This was over a year ago, matching when these lines of credit showed up on my report. I have been in the process of moving, I have not taken the time to contact each company as I figured I could inquire about the main issue, I believe my Social has been compromised again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete 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 Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

After working with a lender and attempting to purchase a home, I noticed there are numerous items on my credit reports that do not belong to me. XXXX in the amount of {$13000.00}, XXXX XXXX XXXX in the amount of {$700.00} and XXXX XXXX XXXX XXXX in the amount of {$300.00} were not originated by me and per FCRA guidelines need to be removed. I also noticed my address is reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and it should be XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit card or prepaid card

Balance Transfer were sold to me as 0 % interest for 12 months. Bank of America did not honor this and started charging me interest at 19.99 % immediately. This is textbook " Bait and Switch '' which is illegal.
Product: Payday loan, title loan, personal loan, or advance loan

I received a notification on XXXX XXXX that a new line of credit had been opened in my name. I called the synchrony bank trying to figure out what happened but without getting any info. After several weeks of calling and asking the account to be reported for fraud, someone finally told me the account was made with XXXX XXXX  XXXX XXXX XXXX XXXX is a security company my friend bought a security system through. I agreed to co-sign for her, I have seen her bank statements and the company has confirmed she has not missed a payment. I am being charged with her full bill regardless. 

Neither XXXX XXXX XXXX  nor Synchrony bank has been able to show me any contract Ive signed, citing that I gave verbal consent. I do not remember agreeing to a loan, only co-signing for if my friend defaults. 

Ive tried to resolve this for weeks and now months with both companies, and have disputed that line of credit with Synchrony Bank twice now. Which has been denied both times
Product: Credit card or prepaid card

I had opened an account with Citi Bank ; and, without my knowledge or permission, they sent me bills electronically. 
I used to work in internet security so am very familiar with the viruses that are spread by emails masked as being from financial institutions so I do not accept any bills via email, I expect bills to be mailed to me.. 
Since I did not receive any bills, I did not know I was past due and accruing interest charges. 
When they eventually called and I figured out what was going on ; I said I would pay the principal but not the interest because they did not get the bills to me. 
I sent the attached letter with my last check reiterating that I was not paying the interest. 
The letter did not make any difference to them, they continue to call and I continue to say that I am not paying any interest on these charges. 
Now, they have turned me over to a collection agency which is beyond infuriating
Product: Credit card

I had fraudulent charges on my XXXX. I contacted the company about the charges, they removed them and issued me a new card with a different number. About a month later I had fraudulent charges again. I contacted the company again. They removed the charges again, and they offered to issue me a new card with a new number. I told them that I wanted to close the account, since I had had fraudulent charges twice and did not feel the card was safe. They told me that the account would be closed. That was in XX/XX/XXXX. In XX/XX/XXXX, I received notification that there were new charges on the closed account. It turned out to be a recurring payment that had forgotten to stop. I payed the bill, since the charge was authorized, but called the company and asked them once again to close the account and not to let any more charges go through. It is now XX/XX/XXXX. I received a phone call from XXXX today saying that I owed money for charges on my account. I told them that I paid off and closed the card in XX/XX/XXXX, paid off and closed the card again in XX/XX/XXXX and would not be paying them again. They said that they would credit my account for the amount, and that I would not owe them any money. That is fine, but I still need them to close the account. They said that they would, but I do not believe them. I am concerned that my credit score will be negatively impacted if XXXX continues to neglect to close the account.
Product: Debt collection

I have been disputing this collection account on my reports with XXXX XXXX XXXX for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!