23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, we had a service charged by XXXX XXXX XXXX which was unsatisfactorily completed for two reasons : 1 ) The company stated they did complete the service but they did not allow me to check it at the moment : the service was to fix a swingset that was unsteady and swaying ; they said I needed to wait 24 hours to check to see if the swaying was corrected ; after 24 hours when I checked, the swaying had not been resolved at all. Additionally, they were supposed to fix the grout in the bathroom which they did but it cracked again within 2-3 days. 2 ) They charged an extra {$100.00} dollars for tax and supplies, and we asked for a detailed receipt of the supplies charges, and the company refused to provide this detailed list. We attempted to resolve this dispute multiple times with the XXXX  company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I filed a dispute with my credit company. On XX/XX/XXXX, the CC company closed the dispute, stating that they requested more information from me which was not supplied and therefore the dispute would be closed. Looking back at my emails, they did send an email on XX/XX/XXXX with the subject " Your dispute has been received '' but did not clearly indicate they needed more information. I called the CC company on XX/XX/XXXX and re-opened the dispute. They told me to submit a 4 page document with information that they needed. I submitted this information that same evening on XX/XX/XXXX via email to XXXX. I did not receive any confirmation of receipt. On XX/XX/XXXX and XX/XX/XXXX, I followed up via email asking for an update. On XX/XX/XXXX, I received another letter that stated that the billing dispute required more information. I clicked on the letter required, and it was the same information I had already submitted on XX/XX/XXXX. On XX/XX/XXXX, I called them and they reassured me that they did not require more information as I submitted it on XX/XX/XXXX. She assure me that they had all of the information they needed. I asked for a confirmation letter but the customer service agent said she was not able to provide a letter. She stated that they would send a confirmatory email within " 24 or 48 hours, or 1 week at the most '' ( I have this conversation recorded ). As of this moment, I have not yet received a confirmatory letter stating they do not require more information, and I am concerned they will again close the case indicating that they have not received the required information. Of note, they also have not removed the charge from my account as promised. The {$650.00} charge remains on my account. 

On XX/XX/XXXX, I received another letter from Citibank admitting that th representative on XX/XX/XXXX gave me incorrect information that further information was not needed, and that they did not follow up with me following this incorrect information, and despite their representative providing false information, they are still closing the dispute because they did not receive the form that the representative said I did not need to complete.
Product: Debt collection

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing XXXX and XXXX XXXX XXXX
Product: Checking or savings account

On Monday, XX/XX/2021 at approximately XXXX XXXX  I was Sitting in the backseat of a car at the gas pump at a XXXX gas station on XXXX XXXX in XXXX Georgia The driver in the front seat passenger were in the store and while they were in the store two men came into the car put guns to my head and took everything I had. Two of my phones, my purse, and my wallet which included : my Social Security card, ID, license, bank cards, and credit cards. The robbers immediately began running through my account at gas stations doing ATM withdrawals ( which have cameras and should be able to be looked at ) XXXX to XXXX XXXX and Using XXXX XXXX from the phones they took from me. When I was finally able to get to a phone I called my bank Wells Fargo to dispute the charges and cut my card off. They Made a claim and cut my card off sent out a new card but updated the cards on my phone that was stolen so the robbers were able to run through the rest of my bank account until I went into the negatives. When I noticed this I called again to file another claim. A total of XXXX was taken from my account. I filed over four claims all were denied. I tried to appeal the decision of the claims and provide a police report and I was denied again. I made a complaint about the decision to the executive office it was denied a final time and I was told that there was really no way of getting the money back at this point. I am submitting this complaint for myself because that was all the money I had to my name and Ive been without any money to my name, been without food, not able to pay my bills for the last month. I am a single XXXX year old woman and XXXX, I do not have a job and am completely independent so this is impacting my life very terribly I am willing to do whatever it takes to get my funds back. I did further research and typed in the numbers they sent money to and found names and addresses of people involved if that helps at all.
Product: Debt collection

Resurgent Acquisitions, LLC is trying to collect a sum of money I do not own them, never had a signed contract or agreement with them nor a a single business..

Resurgent Acquisitions, LLC is reporting false information on my credit report and has been harassment me over the phone.

I requested Resurgent Acquisitions, LLC to send me signed and dated documentation to my person and are refusing this, of course they don't have any legal documentation in their hands and just want to rip me off and or scam me.
Product: Debt collection

Midland credit collection agency has placed and erroneous amount on all three of my credit bureaus stating that i have charged in the amount of {$530.00} dollars i only charged {$58.00} dollars on this account, midland credit has inflated the original credit amount of XXXX and turned it into {$530.00} dollars they have charged me a 50 % percent increased i never ever charged that amount, i would like for midland credit to provide the original contract with my signature and the credit amount that was issued to me. 

I am requesting this company to validate this debt, provide the original signed contract and the fees which made the original amount increase by % 51 percent. 

They have falsified this information on all three credit reports and for there dishonesty this account should be deleted in its entirety.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/21, I have submitted numerous disputes with Equifax and XXXX to update my credit report. There are old accounts that have been paid in full, settled, and no longer need to be on my credit report as it is hurting it. I am trying to purchase a home I can live everyday in. I am having so much trouble with getting old information removed from my credit report, that is already closed and taken care of. XXXX filed dispute on Equifax , they are saying my credit score is a XXXX, when in fact it is a XXXX, this is a huge difference, because of the lack of updated information. It is inaccurate. My balance on my XXXX XXXX Account is not XXXX, it is XXXX, this needs to be updated, and it has been over 30 days since it was updated. I am trying to get approved for a home loan and the inaccuracy of my Equifax credit report is holding me back. Please have Equifax update my account promptly. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My credit was fraudulently used to get a car loan form Exeter fin this was not me please look into it as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I called AMEX twice to add a user to my card. I was told that i can add a user WITHOUT my credit being run - PLEASE AMEX GO LISTEN TO THE PHONE CONVERSATIONS.
Amex ran my credit on two occasions to add a secondary user to my card but on the phone conversation i was told and i verified " You credit will not be pulled '' i did not give consent. I have called and written AMEX for years and many times about the UNAUTHORIZED hard out of my credit .This is illegal and unethical. I did not give permission and i specifically asked to make sure that my credit would not be pulled and was issued that it would not be. It still was an NO ONE WAS ADDED on those two days
Product: Debt collection

The company continues to call me from different numbers coming from Maryland. They several times a day and sometimes leave messages sometimes they do not. They have not even given me time to respond to the written letter that they sent me. I am paying this debt elsewhere. They are calling from several different numbers for a total of 12 time in 8 days I say that " pretty aggressive. 

XXXX XX/XX/XXXX 2 times XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX/XXXX XXXX time
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Debt collection

I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that it was an inconvenient time to call me... 
but they didn't stop there. I have a recording of me telling them that it's a bad time to call me. I also have screenshots of them calling at the same time day after day making me feel uncomfortable. 
I looked up this law 15 USC 1692 which is the FDCPA and in section 1692c ( a ) ( 1 ) it says ( at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location which means that if I told them that it is not a good time they should know that the time they called me was inconvenient They also violated me again under the FDCPA
Product: Credit card or prepaid card

They keep charging me fees. They are too thristy to charge fees. They don't send payment notifications until after payment is due. They charged me 3 late fees so far and won't remove them. All my payments are literally on time being made as soon as I get notification of payment needed.
Product: Credit card or prepaid card

Chase Bank Ultimate Rewards Program Flight Cancel - XXXX : XXXX - Case ID : [ XXXX : XXXX ] I booked a flight with Ultimate rewards website from XXXX to XXXX Roundtrip Their website has glitches in it and changed the passenger infromation form a profile that was already preset in their website database. 
I clicked XXXX XXXX Profile and it populates her information as it is saved from previous flights. When I tried to change the contact phone # it reverted the passenger back to my name. I did this over 5 times and seemed I was successful in changing the contact info because I needed the updates sent to me. 
The website changed the passenger from XXXX to XXXX ( myself ) without my knowledge. 
Chase refuses to return XXXX points to my account. I believe this to be a form a fraud to diminish your points. 
Please address this problem Below is the return email sent from JP Morgan Chase. 
Just a statement of a technical team with one line in which is in denial of all of the problems with their booking site. 
1. XXXX was selected from the saved database 2. I live in XXXX XXXX and booked the flight from XXXX to XXXX  and back for XXXX 3. Common sense alone shows that I would not have put my name as the passenger 4. If you go to the website I can actually recreate the problems incurred XXXX XXXX XXXX ( 3 hours ago ) to me RE : XXXX Dear XXXX XXXX , Thank you for taking the time to advise us of the situation you encountered with your Air reservation booked through Chase Travel. Our priority is to offer complete and accurate information as well as superior customer service at all times. 

After review of your file, we have determined that we can not provide the requested compensation. During the time of booking the technical team informed us that you inputted your name and the phone number. As a result we are concluding this as not a technical error. Therefore, we will be closing your case as there is no further action needed. 

Please accept our apologies for any inconvenience. You are a valued customer and we look forward to future opportunities to serve you. Should you need further assistance, please do not hesitate to contact us at XXXX. Were available 24 hours a day, 7 days a week. 

Sincerely, XXXX XXXX Travel Consultant Supervisor Chase Travel XXXX  JP Morgan Chase & Co. 

Contact Us Chase Privacy Operations XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to customer service rep at Equifax last month advise reported date on several close accounts are incorrect After receiving a copy of my credit report in the mail on Tuesday. I notice the problems has not been fixed. I have tried several times to reach Equifax customer service the telephone has been busy for days. 
I have not been able to reach anyone by phone I email he CEO today The following account 1. XXXX  XXXX last date reported is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 2. XXXX  XXXX last date reported is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 3. XXXX  XXXX last reported date is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 4. XXXX XXXX XXXX last reported date XX/XX/XXXX should be XX/XX/XXXX this account was closed in XX/XX/XXXX. We sold our home XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  last reported date XX/XX/XXXX should be XX/XX/XXXX this account was transferred to XXXX XXXX XXXX in XX/XX/XXXX and was closed in XX/XX/XXXX I would like the last date reported changed to the correct dates! 
I am in the process of buying a home and it looks like I've been last in the past 12 months on old accounts
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report back in XXXX of XXXX  and noticed I had three collection accounts being reported. The amounts were {$1100.00}, {$780.00}, and {$930.00}. On XXXX XXXX I mailed a validation letter to XXXX, XXXX and Transunion requesting validation of these debts. I had read online the credit bureaus have 30 days to review request, so allowed the appropriate time, however I never even received anything stating the debt was validated. So, on XXXX XXXX i mailed a second letter to all three buraus asking for these collection accounts to be reviewed and verified as they were destroying my credit score. Again, I allowed another 30 days and still hadn't received any kind of response. I mailed my third letter on XXXX XXXX, stating my step would be to file a complaint because the handling of my request was beyond unprofessional. To date, I still haven't received anything thing from Transunion, XXXX or XXXX. I would like to point out that, he debt in the amount of {$1100.00} had inaccurate and incomplete information reporting. The last dates of activity are different between XXXX and XXXX and the payment history reports collection/charge off on XXXX, however on XXXX it is completely blank. For the debt in the amount of {$780.00}, on my XXXX report the last date of activity has XX/XX/2022, but XXXX has XX/XX/2022. And again, the payment history reports collection/charge off on XXXX, however on XXXX it is completely blank. Lastly the debt in the amount of {$930.00} has 3 different dates listed for date of last activity. Transunion has XXXXXXXX XXXX has XX/XX/2022 and XXXX has XX/XX/2022. For the payment history, Transunion is blank, XXXX is reporting on time payments an XXXX is Blank. i have included all the letters i have mailed along with screenshots of my report.
Product: Debt collection

Date Opened : XX/XX/year> Balance : {$880.00} Certain information has been obtained or furnished by your agency without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and the companies below repeatedly and have asked for them to remove the following inquiries I did not authorize my credit to be pulled or applied for anything with the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent numerous of letters to try to resolve this issue to the three major credit reporting agencies but neither could verify that the inquiries belong on my credit report I have almost 50 credit inquiries that are not associated with an account that I need removed.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. 

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

Late payments were due to other causes beyond my control. I opened a new credit card account XXXX XXXX XXXXXXXX in XX/XX/XXXX. They forced me to merge this account with my existing XXXX credit card account in XX/XX/XXXX and they deleted my autopay. I added bank account again on XX/XX/XXXX after the account merger was complete for setting up autopay. However, I was unable to set up autopay because of issues with XXXX online payment system. On XX/XX/XXXX, I realized that XXXX had reported my account to Credit Bureaus for missed payment, when the mistake was solely of XXXX. During the last three months, they have failed to communicate with me via email or text or phone about setting up payment on their faulty system, because of which I can not set up autopay. During the conversation on XX/XX/XXXX, XXXX financial customer service helped me set up the autopay, which I was unable to do so before. The payment was processed on XX/XX/XXXX and the account is current now. 

Required Resolution : remove late payment from my credit history as it was due to mistake from XXXX XXXX. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in reference is reporting different information on all 3 credit accounts. This account is closed and should not be reporting open. They are in violation of my rights per FCRA guidelines.