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

On XX/XX/24 an unknown person ( s ) used my debit card information to make {$2300.00} worth of purchases at XXXX XXXX 's. These purchases were made in increments of approximately {$100.00} multiple times. XXXX has refused to refund the money because " there were no invalid pin attempts '' This indicates that Chase 's investigation was cursory at best and fails to take into account numerous factors. I understand that Chase does not have the best track record at investigating suspicious events ( see XXXX XXXX ), so as someone who works in the financial field and with a husband who is a XXXX  XXXX with 15 years of experience investigating numerous different criminal acts, I would like to explain why this " investigation '' was inadequate and the results unacceptable. First, a simple review of our bank account shows that shopping at XXXX is not part of our normal activities. Indeed, the only time we make purchases at XXXX is during the summer in XXXX, Michigan. So the fact that {$2300.00} worth of purchases was made in {$100.00} increments at XXXX XXXX 's in Illinois in a short period of time, on the same day, should be suspicious on it's face. A simple request of video surveillance from these XXXX 's would have solved the issue. However, after contacting the lost prevention at both stores, I was informed Chase did not take this basic step and the video was no longer available. No invalid pin attempts? A basic XXXX search shows that skimmer devices are an issue here in the XXXX area. Skimmers are covert electronic devices that are placed over ATMs, credit card check out devices, etc. that record the data from the magnetic strip and can also record PIN number inputs. They are typically left in place for a few days before they are collected by the offenders with the information recorded on a small flash drive. This information can then be encoded on any magnetic striped debit or credit card. As a XXXX XXXX, my husband has seen these devices first hand and has arrested individuals numerous times with re-encoded cards. I have attached information on these devices and pictures to assist with Chase 's future investigations. This easily explains the " no invalid PIN inputs ''. Please see XXXX XXXX XXXXXXXX  for more info. I have also attached a letter from my employer confirming that I was at work during the time of the illegal purchases. I have also included a picture of the card provided by our local police department that has the case report number for the report we filed about the incident. Please note that in Illinois, filing a false police report is a Class 4 felony under 720 ILCS 5/26-1 ( a ) ( 4 ). As an experienced investigator of multiple criminal acts ranging from simple assault to armed habitual criminal and attempted homicide my husband and I know that it is important to look at the totality of the circumstances, not just one simple piece of information. Hopefully the information provided by me will help paint a clearer picture of the fraud that has taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its exceeded 60 days.
Product: Credit reporting or other personal consumer reports

I Recently obtained a copy of my credit report and noticed 18 Fraudulent Inquiries and 1 fraudulent account. I am a victim of identity theft. This Fraudulent account and inquiries are causing tremendous harm to my life and credit report and i request them to be deleted immediately following this request. the account/inquiries in question include : Inquires : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 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 seven years.

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: Credit reporting or other personal consumer reports

Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been contacting Transunion to remove a hard inquiry on my credit report that was done without my approval. The hard Inquiry was done by XXXX on XX/XX/XXXX. I contacted XXXX   regarding this and they stated that I have to contact the credit bureau to have it removed. I contacted Transunion and was told to fax a copy of my credit report and a letter requesting the removal as well as a copy of my ID and address and I did so. I am yet to receive a response from them. Today I contacted XXXX again regarding the issue and they stated that I should go to www.consumerfinance.gov and submit a dispute. Upon doing so It stated that I could not submit the request online and to contact Transunion by telephone. When I contacted Transunion by telephone I was told that I needed to contact XXXX and have them send me a Letter of Removal and then mail the letter and my request to have it removed. I then called XXXX who then notified me that they do not send out letters of removal. I am very frustrated with this issue as this inquiry was not done with my approval in the first place and now I am being given the run-a-round to have it removed. I would like to file a complaint on both Transunion and XXXX on this issue as both companies have failed in having this issue resolved.
Product: Credit reporting or other personal consumer reports

Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to a notice that I received from that the CFPB stating my claim had been closed due to you felt my complaint did not come from me. I feel that this is another attack on my character by your company. 1st you report information on my credit report that is clearly false. 2nd when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally blow me off and don't respond. 3rd then you state my complaint is not from me. I truly feel like your company is personally trying to attack my character and also ruin my life. You have caused me nothing by mental, physical and emotional stress, and if this matter is not resolved I will be forced to not only report this issue to the CFPB but also my States AG 's office as well as the FTC and XXXX 

My complaint is once again that you are reporting misleading, incorrect, false, and unverifiable information on my credit report. The date of my 1st letter was XX/XX/21 ; and to date you have failed to complete your investigation and correct the incorrect information with in timeframe set forth by the fair credit reporting act. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was sent to collection for a vet bill. I never had the opportunity to resolve the debt as it was sent to the incorrect address. After noticing it on my credit report I contacted the debt collection agency for XXXX reasons. 1 is the amount is incorrect and 2 I had made a payment towards this bill. I have a copy of the original bill which was {$420.00}. I was put into collection for {$660.00}. I requested several times for a breakdown of this difference in the amount owed. I never received the breakdown. I was told to allow at least XXXX weeks to receive it as they have to receive it from the original creditor. I was also told if they do not receive it within 30 days the debt would legally have to be cancelled. I attempted to contact the debt collector again the last 2 days and they will not take my call. I am very upset over this as the amount being reported is wrong and my payment I made is not being reported as well. It has been well over 30 days. The original creditor is XXXX XXXX Hospital. The collection agency is Capital accounts ... .acct # XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up of complaint XXXX on XX/XX/XXXX and was responded to on XX/XX/XXXX asking for identification information rather than a resolution even though the information was given in the original complaint. It seems like these complaints are not even read and just submitted electronically because the same incorrect information is responded as correct. 
This letter was faxed on XX/XX/XXXX to Equifax and it was just submitted as another dispute to be " verified '' instead of actually looking at the OBVIOUS incorrect information which should be removed immediately. This has been sent in countless time and actually needs to be handled correctly. This is a violation of my rights and causing me unjust harm. This is completely INACCURATE reporting and all that happens is a dispute is submitted and comes back verified when it is not possible. These EIGHT accounts all from the US Department of Education were consolidated into new accounts in XXXX of XXXX and have has a XXXX balance since that time frame. After that the student loans were discharged due to XXXX and XXXX XXXX in XX/XX/XXXX. Beginning in XXXX these EIGHT accounts all identified as XXXX that were closed with a XXXX balance started reporting negative information as a collection account and multiple times as 120 days past due which is Impossible at this point since they were discharged and have a XXXX balance. At this time these EIGHT accounts need to be DELETED immediately due to continuous INACCURATE information and they have been discharged and should be removed anyway as or credit bureaus have already. Do not simple send a request to US Department of Education as they have stated they are not reporting it late. Look at the evidence on file. In previous disputes the documentation of the XXXX discharge has been sent and you can see by your own records when the account was reported CLOSED with a XXXX balance so it obviously is INACCURATE and needs to be DELETED per FCRA for inaccurate reporting.
Product: Credit reporting, credit repair services, 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. 

Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXXXXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX Acct XXXX  XXXX, Acct # XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( 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 seven years.

15 U.S.C. 1681 s-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: Credit reporting or other personal consumer reports

I am writing to the accuracy of my credit report and there are two discrepancies on my report that have hurt my ability to obtain new credit. Under FCRA laws these accounts must be validated and after countless times trying to validate these accounts unverifiable accounts must be removed from my credit report and if unable to verify accounts then you have to delete immediately.
Product: Debt collection

I have received a collection letter from Commonwealth financial systems. It states I owe a medical debt from XXXX of XXXX county. I have paid this debt off and have proof from the instution. They have also reported this false claim to the credit agencies and my credit score has dropped XXXX points.
Product: Bank account or service

Wells Fargo closed my primary checking account in overdraft, but the overdraft was entirely due to the bank 's assessment of fees for unauthorized debit attempts. 

Now, I can not access any historical data or monthly statements, even though the bank promised to provide 18 months of data online if I went " paperless. ''
Product: Mortgage

In an attempt to refinance our home, just days from closing, my loan processor c contacted me to say that Ocwen never recorded our existing mortgage with the XXXX County Register of Deeds. I have been calling them and requesting them to file an Affidavit of Lost Mortgage with the Register of Deeds. Every time I call I am sent to an escalation manager and am given a different story.
Product: Student loan

In roughly XXXX I was having problems making the increased payment amount of my private student loan serviced by American Education Services. I contacted them on multiple occassions to request assistance to modify my loan so that I could manage the payment. I was repeatedly told I had exhausted all options. So even though I was making payments, I was not making the " increased payment '' and would get charged late fees. At this point I accrued about {$800.00} is late charges even though I was consistent on my payments. 
I contacted a debt counseling services in late XXXX. They have been making payments to American Education Services since XXXX/XXXX/XXXX. The payment is paid automatically at the same time each month. I have personally managed to pay off the late charges and bring my account current. I made that payment in XXXX of this year. So I was feeling confident, and getting things handled. 
American Education Services has STILL emailed/called me in XXXX of this year saying that my payment has not been received. I emailed them the check number and date it cleared thier account. Now again for my XXXX payment, they email me AGAIN to tell me this check has not been received. So AGAIN I contact the debt consolidation company and they provide me the the check number and the date it cleared the American Education Services bank. So American Education Services is infact recieveing my payments and not applying them correctly. Two months in a row. 
Today XXXX/XXXX/XXXX, after I have already emailed them with the check information AND a list showing ALL payments made since XXXX - they now want front and back copies of the check they say they do not have- but that cleared thier bank account. 
They have been getting these payments from the same source since XXXX and now all of the sudden, since I managed to pay off the late fees they say I accrued, I am yet late AGAIN?? 
How many months during the last almost 2 years have they been " misplacing '' my payments and charging me these late fees, and then telling me they can not help me or offer me any alternatives even when I have been consistent on my payments? I sense very unethical business practices. Nothing new with the payments has occured, but now I am late - yet again - at least until they " find '' my payment, that they already have. 
I would like an investigation into this matter and any assitance you can provide. Perhaps being able to change lenders? Are there any new reform acts for students loans that I qualify for? I am TRYING to pay my debts. I am not asking that they be wiped out, but I think I am the victim of very unfair business practices.
Product: Consumer Loan

Purchased leased vehicle from Chrysler Capital " CCAP '' on XX/XX/XXXX. Sent the check to XXXX for all fees and payoff amount along with sales tax ( ~ {$1100.00} ), received title from XXXX and tried to purchase tags. No record of taxes paid by XXXX for the title # issued, called XXXX two times, told taxes went to State of OHIO. Went back to Ohio XXXX XXXX times, finally called XXXX for third time and was told there was an error and the check will take up to 45 days for refund. I do not have $ $ 's to pay taxes until i receive the check, primary car and currently do not have tags on the car. Requested expedited check and told I will not receive check for 45 days from payoff date. Not cooperative and no reason for delay in monies, very frustrating situation and currently without a vehicle until I receive funds for taxes. Files complaint with XXXX - Incident # XXXX
Product: Mortgage

I bought a home in XXXX with a XX/XX/XXXX loan with $ XXXX down, gor behind been trying to modify since XXXX now they started a foreclosure process.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulets accouns in my report.Plese remove these acouts from my report they are hurting my ability to obtaing credit. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested you to properly conduct an investigation on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX ( this account number is listed three ( 3 ) times for a different amount ) XXXX XXXX You are now claiming that these accounts are " Verified ''. 
I want to be clear, these are MEDICAL ACCOUNTs, that it is protected under the Health Insurance Portability and Accountability Act of 1996 Section 1173.
Product: Student loan

On   XXXX   XXXX   XXXX   the amount of {$860.00} was auto-debited from a checking account for a monthly federal student loan payment. This was {$520.00} over the agreed amount and what should have been debite d ( {$340.00} ). I hav e physical paperwork mailed to me from  Navient  which outlines starting  XX/XX/XXXX   XXXX  payments of {$340.00} would be made followed by  XXXX  payments of {$860.00} starting   XXXX  . When I spoke to a representative at  Navient  on    XXXX   XXXX   XXXX    I was informed that they did not see that information in the system and in order to be given a refund I would need to mail or fax in a research request asking for the refund and to also submit proof that the money was debited from my account. That process takes  3-4  weeks. I was also informed that if I were to get a refund they would not be able to refund the {$520.00} overage amount they would refund the entire payment which would make my account delinquent. In order to avoid this I would need to apply for forbearance which reflects negatively on my account. I asked to speak to a supervisor and if there was anything that could be done as this payment caused my account to go negative and my budgeted living expenses were taken by  Navient for the  month. There were no resolutions from this call. My account has been current with all payments made on time since receiving the correspondence from Navient  XX/XX/XXXX .
Product: Credit card

I returned XXXX gifts to Bloomingdale 's in XXXX. I showed them all of the receipts and all items had the " required for return to bloomindale 's '' stickers that give them the transaction history, telling how the items were originally purchased. A credit was placed on my bloomingdale 's card, as has been done before when I have returned gifts. When I called to check on my bill, I still had a credit balance and they asked if I wanted a refund check. I said yes. They said it would be 7-10 days. I never received it. I was sent a letter stating that the items were not originally charged on my credit card ( of course not, they were gifts charged on my mother 's card ) and they wanted history of purchase. I had already given them that information. They suggested that I return to Bloomingdales ( a 50 minute drive ) with the receipts again. I told them that was unreasonable, as I had already done that a month before when I returned the items. I provided them the information and they should have record of purchase on my mother 's account. The customer service agent I was speaking to kindly agreed to look up and provide them the information they had requested. I still did not receive a check. I filed a complaint with the XXXX ( Complaint ID # XXXX XXXX over a month ago and Bloomingdale 's has not responded. It does not seem legal that they refuse to pay me my credit balance on the credit card. It has almost been three months since my first request. They have been paid for the merchandise and have been returned the merchandise, but they refuse to pay me the money they owe me. They owe me {$710.00}
Product: Credit reporting

There is a bill owing to XXXX that i do not know about. I am trying to dispute the issue, and i am not getting anywhere with the company. I was told that they would send me paper work to be filled out, and it 's over XXXX weeks and i have not received it. I would like to do business and i can not do anything because of something that i do n't know about.
Product: Debt collection

XXXX XXXX XXXX repeatedly files - and has not removed - a disputed account. The account is still showing on my credit report. They no longer hold the debt and another agency has begun collecting me - and I 've disputed this multiple times and have never received a response from them or from the original creditor. 

Their reporting of a disputed bill - and failure to remove this - is illegal and should be addressed. The report on my credit report is below. 
- Collection Accounts : Accounts seriously past due XXXX XXXX Original Creditor : MEDICAL Account No. : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : Derogatory Responsibility : Individual unkown unkown unkown unkown Remarks :