23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the US Code laws, a charge off account must report a XXXX balance on credit reports. I checked my profile and came across so many discrepancies. I demand a full investigation on both accounts with original signed documents with proof of inquiries.If the credit bureaus can not provide accurate proof, I ask that accounts be removed immediately. 

Account info Account name XXXX XXXX Account number XXXX Account type XXXX XXXX  Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 045 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, 121 written off. {$2.00}, 346 past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX
Product: Checking or savings account

Someone opened a bank account with navy Federal credit union with my name social and address. Called them and let them know it's not me. They closed it and reported it as fraud. Account number was XXXX. It received an ACH deposit of XXXX dollars from XXXX XXXX XXXX acct number ending in XXXX. Dont know them. This happened on XXXX.
Product: Credit reporting or other personal consumer reports

I was seen at XXXX XXXX XXXX on XX/XX/XXXX. My bill was {$860.00} and account # XXXX. My insurance company ( XXXX ) paid {$460.00} on XX/XX/XXXX. XXXX performed a bill adjustment ( assumptive write-off ) on XX/XX/XXXX. I received a XXXX billing statement on XX/XX/XXXX with a {$0.00} balance. See attached document. 

Phoenix Financial Services sent me a debt collection notice on XX/XX/XXXX, which included XXXX XXXX XXXX XXXX as the current creditor and XXXX XXXX XXXX as the original creditor with an original account # XXXX ( this account number does not match my XXXX  account and amount of {$1600.00} ( this does not match the original billed amount that was already paid. XXXX then reported this account as delinquent in XX/XX/XXXX. See attached document. 

I disputed the Phoenix tradeline telephonically with XXXX. I received a dispute response on XX/XX/XXXX that didn't remove the tradeline. Phoenix continued to report the account delinquent in XX/XX/XXXX. See attached document. 

During a phone conversation Phoenix Financial Services, on XX/XX/XXXX, XXXX and XXXX, collections representatives, who stated a social security number that didn't match my number. I requested a debt validation from XXXX. I never received the requested information. 

I sent a dispute letter to XXXX on XX/XX/XXXX. XXXX sent an email on XX/XX/XXXX stating XXXX is unable to honor the dispute request. See attached documents.
Product: Credit card or prepaid card

I have a Chase Sapphire Reserved Credit Card through Chase Bank and my Chase Ultimate Rewards points were stolen from me. 

On XX/XX/2019, there was an unauthorized withdrawal of ~90,000 Chase Ultimate Rewards points from my account that was transferred over to an unknown XXXX XXXX account based out of New York that did not belong to me. I opened a fraud claim in early XXXX with Chase and they've investigated into this issue. 

Chase was able to identify that the fraudulent transaction had occurred over the phone. The fraudulent party was able to spoof my phone number and bypass through Chase 's identity verification process to perform a manual withdrawal of my reward points and have them converted to cash and deposited into the XXXX savings account mentioned above. Although Chase had agreed that this is a fraudulent transaction, there has been an internal decision to ignore the claim. They are unwilling to resolve the dispute and return my points. 

I was then told that there was an internal review my account and an internal decision has been made for Chase to end their relationship with me as of XX/XX/2019 and because of that, this fraud claim will not be resolved. Chase is unwilling to take responsibility and help resolve a fraudulent transaction that took place prior to this decision to end the relationship. I've been a client of Chase for over 14 years - I have no issues with the company 's decision to end their relationship with me ; however, I should be entitled to the rewards points back that I've earned through the program that were fraudulently taken from me. 

I've spoken to several personal bankers, Private Client bankers and even a branch manager about my case ( XXXX XXXX and XXXX XXXX branches ). They've been assisting me with escalating this situation ; however, Chase corporate will not take responsibility to resolve the claim. 

My identity has been clearly compromised and Chase has failed to protect its consumers from fraud. I'm very disappointed in the decision and am looking to escalate this further to bring light to this matter and protect other consumers that may have gone through this similar event.
Product: Credit card or prepaid card

I filed a complaint with you a while back. This is the number you gave me. 
XXXX I asked for a check for my rewards early last summer and never received the check. I called the bank and they said they issued another check. This check never came. I called again and asked for another check and they promised they would send the check which also never came. Then the bank decided they wouldn't send the third check even though they promised me they would. Even after they promised they would send the check and then changed their mind they asked me to drive to the bank and sign a form that I have difficulty reading as the font is small and I don't have perfect vision. I had someone read the form to me and I don't understand it and it seems to imply that I lost the check which isn't true because I never received the check. I should not be required to go to the bank and sign a form since Wells Fargo promised me to send the check. In the meantime they've held onto my money since roughly XX/XX/2021 an amount over {$8000.00}. Please help me so they actually mail me the check registered mail like they promised to do. If you look online you can find Wells Fargo does this alot to people when they ask for a check for their rewards.
Product: Debt collection

My account was frozen for collection. I also have a wage garnishment.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified mail return receipt letter to both XXXX  and XXXX  pursuant to my consumer rights listed in the Fair Credit Reporting Act. I have called and used mobile apps to submit disputes to no avail and my consumer rights were violated. Per the Fair Credit Reporting Act 15 USC 1681a ( 4 ) the consumer has a right to privacy and both XXXX  and XXXX  have violated that right. Written consent was not given to either company to harness my personal identifying information which includes my credit card account ( social security ). XXXX  and XXXX  are not government agencies and have a grave responsibility to the fairness, equity, and respect to a consumer. Also, per the Fair Credit Reporting Act, 15 USC 1681a. ( 2 ). ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; shall be excluded from the consumer report. Both XXXX  and XXXX  are in violation of 15 USC 1681a. ( 2 ). ( b ) for having these extensions of credit listed on a consumer report. To further attached to this complaint are my written instructions as they pertain to me, the consumer, pursuant to 15 USC 1681b. ( 2 ). To further all items listed on the consumer report for me, XXXX XXXX, stated that the companies are the creditors which is false and misleading as I am the creditor per the Fair Debt Collections Practices Act. I demand all of my information be removed from the systems of both XXXX  and XXXX. Lastly when I submitted a request for deletion before the account was returned as verified. Per the Fair Credit Reporting Act who was interviewed to verify any first hand knowledge of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is in good standing. However, there are two late payments noted on my account : XX/XX/XXXX and XX/XX/XXXX. After these incidents in XXXX and XXXX, I spoke to XXXX XXXX directly about legitimate reasons for why they should remove the late fees. Such late fees were removed at that time and the merchant also agreed to correct the remarks on my credit report. Such negative remarks have remained despite my best effort to request they be corrected/removed.
Product: Credit card or prepaid card

I am having been having major issues with my Sallie Mae credit card. First, I disputed two charges for {$640.00} and {$590.00} for the merchant XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). As I disputed these charges my account got restricted. I spoke to Sallie Mae representatives multiple times and I was told that it's due to suspicious activity. I also spoke to one of the managers and she stated that I must provide them with a copy of my ID, 3 months ' bank statements, and pay the outstanding balance in full before I can use the card. This was only after I submitted a complaint with CFPB and XXXX  that Sallie Mae realized that restricting me from using my account was unlawful and they immediately lifted these restrictions. 
As far as the chargeback being denied, Sallie Mae must provide a written explanation and supporting documents showing that I owe this money. None of this was sent to me. The only written statement about the dispute being denied I saw on the CFPB portal. I am requesting an explanation, supporting documents and appealing the dispute. 
I already explained multiple times to Sallie Mae that the service WAS NOT provided as agreed. As a result of XXXX  XXXX I incurred losses, damages, and suffering. THIS IS NOT WHAT I PAID FOR. 
I also provided sufficient documents and evidence confirming third-degree burn injuries after the XXXX performed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, NC XXXX XXXX 
Sallie Mae also made the decision about denying my chargeback request BEFORE they got all the documents, knowing that I sent them all the supporting documents relating to the dispute. 
The other veterinarian confirmed in writing that these injuries are third-degree burns. 
The documents provided show that XXXX tried to mislead us and lied claiming that the burn injuries from a heating pad were a reaction to the medication. 
Since I already tried to resolve this in a good faith with the merchant directly and he is not willing to cooperate. The charges are reversible and the dispute is valid. 
I also will be forwarding this to Attorney General, Federal Trade Commission, XXXX, and other Government Agencies. My request for a chargeback is totally justified.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Between the credit bureaus and finance companies, no or are abiding by fair credit act and bringing a resolution to my issue. Countless fraudulent accounts have been opened under my name and Im disputing them as such.
Product: Checking or savings account

The Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/23 From XXXX XXXX On Behalf of Him and Another Business Partner, to Invest in my Invention and business. They contacted Citizens Bank a few times, To which the Bank isnt releasing my Funds. I will not stop until I get my funds from my Business account and Checking account that I had with them. 
Please kindly Help me. 
Thank you Sincerely XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX account was setup through XXXX XXXXTD Bank with autopayment draft. In XX/XX/XXXX either the creditor changed programs or had an internal issue regarding their autopayment software. I was notified that a payment had not been received. I contacted the creditor directly and was told that the error was indeed on their side and that they would remove any and all late fees and assured me no reporting to consumer reporting agencies. Furthermore, at no time was the account ever close to being 30 days late. After rectifying and assuring me that autopayment was correctly set up, the same thing occurred the following month. Once again I contacted the creditor and the process was repeated. Again, at no time was this account past 30 days late. 

Approximately two days ago I checked my credit report and noticed that the creditor had reported ( 30 days + late ) status on my credit report. I have excellent credit and no history of late payments with any creditors. This inaccurate reporting has resulted in two long term creditors revoking my 0 % rate which in term has now cost me damages in the form of increased loan interest. My legal counsel requested this account be disputed with the CRA 's and complaints filed with the XXXX and CFPB as a first step. I have detailed call logs of my interactions with XXXX XXXX XXXX TD Bank, but have been advised to not disclose at this time. If more info is needed, it can be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please remove them as soon as possible : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

I contacted my mortgage company on XX/XX/XXXX to ask about my PMI automatically cancelling since it hadn't already. I was told a request would be made and I'd hear back from them. 

I never did and called back on Tuesday, XX/XX/XXXX. The person said they'd follow up and get back to me but it looked like I qualified. 

I received a call back from her today and was told that because I'm in an area where a disaster was declared over 24 months ago, I would have to get an appraisal before my PMI can be cancelled. She claimed this was under some XXXX XXXX provision. 

I think this is a lie.
Product: Checking or savings account

Ive had a Capital One savings account since XXXX. It started at 2 % and went down over the years as interest rates went down. As rates have gone up they havent raised the rates on current accounts. Online theyre offering 3 % on new savings accounts ( not a teaser rate, that is just the rate ). My account is earning .8 %. I called them to ask why I cant get the 3 % that is advertised and they told me I could get it, but I had to open a new savings account. Thats a lot of work on the consumers end to get a fair interest rate. 
This is typically true with all banks ( I was in banking for 14 years ). When rates go down banks drop what they pay on deposits immediately. When rates go up however, banks create a new name for the same type of account and offer a significant higher interest rate on the new account than they offer their exhausting customers. Its a rip off. Banks are ripping off their current deposit customers and making a ton of money off of it by betting the average consumer wont notice, thus basically providing the banks free deposits and more profit as rates go up. 
I know the CFPB is super focused on unauthorized account openings and various other items, but this needs to be addressed as well. We are in a rising rate environment and banks love taking advantage of people when that happens.
Product: Vehicle loan or lease

On XX/XX/XXXX I returned my XXXX XXXX XXXX to my original car dealer ( XXXX XXXX XXXX XXXX XXXX ) due to a lemon law issue. XXXX XXXX XXXX received a payoff from Citizens One Bank, which was good until XX/XX/XXXX. On XX/XX/XXXX I was called by Citizens One bank in an attempt to collect a debt for the outstanding balance. I contacted ford via email ( attached ) and explained that Citizens one claimed that they had not received a check. XXXX provided both me and citizens one bank with the note from the delivery service that the check had been sent and signed for by citizens one bank. 
At this time the balance was just over {$250.00} and I offered to pay it with a debit card and have them refund it once they found the check from XXXX. This was an effort to ensure that I was not reported late with the credit bureaus. I was informed that I could not do that and told that I was not going to be reported late. 
Several emails and over 40 hours of phone calls later I was again told that I will not be reported late as the payment was received, the title was released to XXXX and that I no longer was responsible for any payments for that loan. 
In XXXX I applied to increase my limit on my credit report, which was denied because of a current late payment to Citizens One. I immediately called to try to mitigate the issue and was told that they did not report me late. At the time, my family was in the process of fixing some issues on our home and I needed the extension of my credit limit to fix these issues to put our house on the market for sale. I then called my Mortgage lender who told me that I would not qualify for a loan with any open accounts. We were not able to put our home on the market because of this error. 
I have been calling Citizens one bank for 2 months to come to a resolution. I was just told that the negative information was removed, but not before citizens one bank called my work, ruined my credit ( albeit short term ) and destroyed my families dream to move. I have suffered mental anguish, financial hardship, countless hours trying to fix this.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX is reporting inaccurate information on my credit report. XXXX do not respond and refuses to give me access to my free credit reporting account. I have paid XXXX  XXXX XXXX credit card, XXXX 's, XXXX, and XXXX XXXX. I had to pay these accounts and file a 1099C on my taxes for them. Yet, these accounts remains on my report. That is against Federal law to continue to have them on my credit report. 

They are also reporting duplicate of the same accounts and accounts over 7 years remain on my credit report. All 3 bureaus has different information and XXXX never reponds.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ] ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report XXXX credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days. 
The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately. 
I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM of TRANSUNION AND XXXX  AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX  AND WILL WORK ON XXXX  BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL
Product: Debt collection

XXXX XXXX XXXXXX/XX/year> I sent a request for debt validation to Arcn credit solutions the company that sent me a letter about debt to be collected. Requesting : following : Provide me with copies the purchasing agreement that show I agreed to pay what you say I owe ; Agreement with your client that grants Arcon Credit Solutions LLC, the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open. 
As well as a cease and desist request in writing. 
On XXXX XXXX XXXX XXXXXX/XX/year>, I received a packet from Arcn credit solutions sent me a bill of sales and assignment of accounts in the form of a email screenshot with no proof or validation of my personal information and account uncensored. A bill of sales and assignment of accounts to Absolute Resolutions Investment, ( not Arcon Credit Solutions ) is NOT a contract or agreement and is non-responsive to my validation and verification request. 
Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 
Also, my personal information was released without my consent or knowledge to a third party. Arcn credit solutions failed to cease and desist and delete the credit reporting of the disputed alleged debt.

Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( consumer credit reporting agency ) credit information that is known or which should be known to be false. 
On XXXX XXXX XXXX XXXX XXXX XXXXXXXX, reported a collections to the credit bureaus causing a XXXX point decrease in my credit score.

The only contact I have received was from Arcn credit solutions LLC the company who reported to the credit bureaus is not the collector who contacted m
e.