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

On XX/XX/XXXX, I received text from someone claiming to be a Chase representative. I have one credit card, an ATM card, and my mortgage with Chase. The text said a charge was made on my credit card and wanted me to verify it. I responded 'no ', then checked my account and saw the charge. The next day I received a phone call from someone claiming to be a Chase specialist and there seems to be activity in my checking account that seems odd. I explained my credit card information had been compromised, so now it seems my debit card was as well. The 'customer service specialist ' said she would cancel the credit cards and have new ones sent within 5-7 business days. She asked if this was my address and bank information, and it was, so I agreed. She thanked me and hung up. When I signed into my checking account on XX/XX/XXXX, I noticed there were 2 strange withdrawals. I called Chase to ask them how these charges were allowed when my debit and credit cards were cancelled. They said they had no record of my cards being cancelled and reordered. So, the 'fraudster ' who claimed to work at Chase that called me stole my information and started making purchases. The first in my checking acct was {$400.00} and the second was {$2000.00} which caused an overdraft and fees. I explained to the Chase representative ( there were 4 that I spoke to over the course of an hour ) that these were not my withdrawals ( one was an electronic withdrawal 8 hours away from where I live. ) The final representative said there is nothing she can do to refund my account except for the {$400.00}. I went into a branch on XX/XX/XXXX to speak with a banker in hopes the fraudster did not have my checking account information. He assured me the withdrawals were done using my debit card ( which was in my wallet ). He called the home office for Chase and after another hour received the same answer as me. 'I can not be refunded the {$2000.00} '.

When I looked at his computer and saw all these random charges in my checking account, but they were all denied by Chase. If these charges were denied, why would the other 2 be successfully withdrawn when there was a fraud alert on my account. I was supposed to be contacted by Chase to discuss the situation again, but never was. All I am asking for is the {$2000.00} be refunded to my checking account. With all the money I spend with Chase credit cards, and my mortgage, I am appalled that the company would not take my side. I was completely taken advantage of and am a victim of ID theft. I filed a police report/complaint, filed a complaint with the FDIC, and they said I had to deal with CFPB, and they would forward my original complaint. I have not heard anything back yet so am hoping you can help me. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this report in relation to the recent Equifax hack. 

Equifax has not done their due diligence in ensuring that my personal information was protected, and the fact that information was compromised so readily points to Equifax not in compliance with XXXX, let alone other means of encryption as per financial regulations. 

I am currently unable to pull a credit report from annualcreditreport.com due to pulling a credit report in the last 12 months, and Equifax has largely remained quiet on the issue of so many Americans having their data compromised. I am not able to determine at this time if my credit has been compromised, and if so, how it has been compromised.
Product: Credit card or prepaid card

Two Visa prepaid debit cards were purchased for my personal use. Both cards were purchased at referenced location at the referenced incident start time. XXXX purchase, the cards remained unopened at my residence until XX/XX/2021 at or around XXXX PM. At or around the referenced incident end time, both cards had unauthorized purchases made on them for the amount of {$490.00}. The description / information of the charge is " XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ''. This indicates that the location of the charges were at : XXXX 's XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX The location is a supermarket/grocery store that sells among other things money orders and gift cards. The unauthorized charges were approved at the checkout point by Visa/the issuing bank. Each card had {$490.00} debited from the initial card account balance of {$500.00}, leaving the card account balance at {$0.00}. At or around XXXX on XX/XX/2021, the unauthorized charges were noticed by me and reported to the issuing bank for dispute. As of police report submission date, no response on the dispute is available. The issuing bank indicated that the XXXX fraudulent charges were made in- person, indicating that the magnetic stripe data of the XXXX cards was presented to the " XXXX XXXX '' merchant. 

I have already contacted Incomm on XX/XX/2021 and reported the fraud to them, but they have not updated my cases since they received my reports. 

Per the Electronic Fund Transfer Act, Section 205.11 ( c ), Incomm has a deadline of 20 days to provide at least a partial resolution, which has not been done. So they have missed the deadline. Ive emailed them repeatedly and received no further response. Ive tried calling them and they tell me there is no further updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This lender has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

( CLARK COUNTY COLLECTION ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1100.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

On XX/XX/2018 and XX/XX/2018, I requested proper validation from Choice Recovery stating I wanted some type of contract between myself and the debt collector stating that I am legally liable for this debt and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. It has been long past the 30 day period this debt collector has to furnish such information.
Product: Credit reporting

Experian continues to report inaccurate information on my credit report even after several attempts to correct them. They refuse to fix it. I 've been disputing the accounts of the XXXX for over two years. This is the state government for Child Support, claiming I was late back in 2003. 14 years ago! This account has never been late, ever. 

I even hired a company named XXXX XXXX to help me dispute this, however, it still has not been removed in 2 years. Please help, I have never been late on my child support that this is very embarrassing, showing that I am late on Child Support.
Product: Credit reporting or other personal consumer reports

As an active credit user, I currently have several accounts on my credit report, most of which are positive. However, XXXX are negatives. Overall, I have a total of XXXX  accounts that are active and XXXX  are in good standing while XXXX are not. I make all payments on time and as of the XXXX  of this month, the information offered was still accurate. The problem is my credit score and despite the outweighs of positive accounts vs negative accounts, plus an account history that dates back to XXXX years, my credit score is relatively low. My current credit score as reported on XXXX XXXX is XXXX for XXXX and XXXX for Equifax while XXXX is reported as XXXX on XXXX credit journey. In my perception a score that fails to display my actual credit standing and one that robs me of lower interest rates or better credit deals. Ideally, a process that forces me to accept prime credit cards and high-interest rates despite my excellent credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Date Opened : XX/XX/2021 Balance : {$5800.00}
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX in XXXX NY in XXXX of XXXX. It was a judgement letter from a supposed debt that was rendered in XXXX. I was never formally served with any paperwork stating that I was to present to Court to contest this debt. They stated that the full amount owed was {$3900.00}, stemming from interest, fees and poundage at 5 % from XXXX to the present. A debt verification was sent to the attorneys in question, since I have no knowledge of said debt. Stating that he was collecting on a judgment, I was sent a copy. The debt is from XXXX XXXX XXXX XXXX, whom I've never heard of until the receipt of the letter from XXXX XXXX XXXX XXXX. I've requested the original copy of whatever agreement was signed that accrued this alleged debt. They have threatened garnishment and/or to freeze my bank account if I don't pay, yet they are unable or unwilling to present evidence of what this debt supposedly is and who owns the original debt in question. 

Both the Law Offices of XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX are included for this complaint.
Product: Credit reporting or other personal consumer reports

XXXX, XX/XX/2023. I never applied for credit, especially with XXXX XXXX. 

XXXX XXXX XXXXXX/XX/2023. These, I assume, came with car shopping as a co-signer, I didn't know they were going to submit credit applications to other banks. 

XXXX XXXX XXXX, XX/XX/2023. Also, I assume these were from car shopping ; however, they never mailed a reason as to why and I never approved of them running it XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/2023. I applied for a credit card but didn't know they would leave a hard inquiry on my credit report. 

XXXX XXXX XX/XX/2023. Just went in to look around for a car, but never purchased it from there. Also never gave consent to run a credit application because we didn't need to.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purpose-such as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. 
I have no such relationship or outstanding debt with XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
XXXX. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX to prevent future illegal activities. 
I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

Child Support i have never been late i got a divorce and started paying through my Paycheck. TransUnion report i was on time one or two times!!! I pay every 2 weeks. out my check i will upload my order so you can see. i have tried to contact TransUnion! i am show proof i have never been late! this is sad and putting scare on my credit! please correct or remove!!!!! And PLEASE CHANGE MY ADDRESS ON MY CREDIT REPORT!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION INACCURATE ADDRESS, NAME AND INQUIRIES APPEARED ON MY EXPERIAN CREDIT REPORT.
Product: Checking or savings account

I am the owner of The XXXX XXXX XXXX. I provide personal training services to those in the Delaware area. On XX/XX/XXXX I received an email from a customer inquiring about personal training services for her XXXX children. I shared my booking link via email once again for her to check out my packages, policy, and let me know what would be best for her and her children. She let me know she was hearing impaired and ill and wanted her XXXX girls to start training on XX/XX/XXXX of 2023. I gave her a clear explanation of my packages and pricing and she chose the best XXXX for her which was 3 month packages for both kids totaling to {$1600.00}. I sent the invoice over for the payment and she successfully made the payment. It was also made clear and clarified that I do have a no refund policy and to make sure training still gets completed. Payment was processed XX/XX/XXXX. This customer kept up with me via text from that point on about training for her children, she chose their dates and times and they were added to schedule. On XX/XX/XXXX square space messages me about a dispute for {$1600.00}. I sent a copy of my policy, my packages, and all communication between the customer and myself. From that day until now XX/XX/XXXX squarespace held the {$1600.00} from my account. Then they debited my personal account for that same {$1600.00} multiple times putting me in the negative. They have held every paid invoice I received from other clients totaling {$1600.00}. Their agents failed to clearly explain why this was happening each time telling me they could not help. As of today XX/XX/XXXX my account is still on hold after being told XX/XX/XXXX that I was in the clear as far as the {$1600.00} due to them holding paid invoices to equal that amount.They have as of XX/XX/XXXX hit me account for that {$1600.00} yet again. It is sad they don't have any resolution for honest business owners. This has caused a huge inconvenience as this is how I live and take care of my family. They have been no help and I get told different things every Time I call. I will not be continuing business with this company and would appreciate for my account to be returned back to it original state and for them to return the {$1600.00}. I am also not able to keep track of my sales because the app is also improperly tracking my sales as SquareSpace keeps doing their own adjustment due to this! I have reached out to the CEO of this company via email to let him know what is happening and I have also contacted an attorney on this matter as I feel I am being cheated and robbed at this point with no clear explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the collection accounts associated with my name. Specifically, the accounts with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

Regarding the charge off account with XXXX XXXX ( account number XXXX ), I have no record of ever opening an account with this company. I believe this account was opened fraudulently and without my knowledge or consent. Therefore, I request that this account be removed from my credit report immediately. 

Regarding the collection account with XXXX XXXX XXXX XXXX XXXX. ( account number XXXX ), I am willing to negotiate a payment plan to resolve this account. Please let me know the options available to me. 

Regarding the collection account with XXXX ( account number XXXX ), I do not dispute the validity of this account. However, I am currently experiencing financial difficulties and can not afford to pay the full amount owed at this time. I request that a payment plan be established to resolve this account. 

Regarding the collection account with XXXX XXXXXXXX XXXX XXXX XXXX ( account number D XXXX ), I have no knowledge of this account and request that the debt be validated before any further action is taken. 

I am committed to resolving these accounts and improving my credit standing. Please let me know the next steps to take in order to resolve these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

The credit card company did not credit my account for a refund I received from a merchant. I contacted them three times by telephone and each time I was assured by customer service representatives that they would correct the problem. However, it was never corrected. I then wrote to the credit card company at the address they indicated for billing disputes and provided supporting documentation regarding the refund I should have received. They never responded and my credit card account continues to be listed in arrears and I continue to be charged an interest fee on the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint especially with Experian and the others also is screwing me over when I apply for a new credit card.They deem to presume my ability to be able to control my finances .I am XXXX retired worked at same job 32 years.lived at current address for 54 years, never bankrupt I have 3 bank accounts, a savings account 3 cars 1 paid 1 almost paid.1 two thirds paid All have value a XXXX XXXX XXXX XXXX, a XXXX XXXX, I have stock, I have health Ins.I have a pension Im sorry for the next but there is no other way to say it I want the XXXX to leave me alone and get out of my life I have had credit for 50 years. When I try to get a new credit card they don, t send my 40 + page file showing active or inactive accounts ALL PAID NEVER LATE no they send a letter to the banks saying I am over extended My credit has always been a pride for me, no one has ever lost a penny on me.I read on internet where some one like myself sued aforementioned " XXXX XXXX '' and won a lot of money but the XXXX judge lowered it.I just  wished I were younger.And they send me E mails recommending credit cards They have my history they don, t even know I have these XXXX cards.THIS IS A CONFLICT
Product: Payday loan, title loan, personal loan, or advance loan

Received the attached marketing letter on XX/XX/year> from Priority Plus Financial. It is in the style of IRS correspondence, indicating " economic relief '' is inside.

Inside, it is a personal loan. I was not impacted by Hurricane Helene, which is the only " Unprecedented time '' for " affected families '' that could be being referenced here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting wrong information on my account. They have the wrong address wrong phone number wrong employment Ive never even worked at or had that phone number. I am asking for drivers license copies that were done at signing that would prove this address is valid. Ive never owned a house in my life and thats on public record they have me down as a homeowner. They have me down for a salary of {$2500.00} at XXXX XXXX  where I never work. I also never worked at XXXX nor do i know what that is. I am asking for this erroneous information to be deleted from my consumer credit report immediately.
Product: Mortgage

Completed a Refinance in in Late XXXX on our house serviced through Roundpoint Mortgage that uses XXXX as a third Party Servicer. The RE-FI was done by XXXX XXXX XXXX ( New Loan ). During the process Roundpoint paid the property taxes through the escrow account because they were due, and XXXX XXXX also paid the taxes on the new loan through escrow, using XXXX XXXX to complete new loan. I have confirmed the double payment through XXXX XXXX County Tax Assessor that payment was accepted on new loan through escrow and payment from Roundpoint was sent back for double payment on XX/XX/2018 of {$2900.00}. Because i knew taxes were paid twice I allowed approximately 60 days to process for reimbursement of overpaid taxes by Roundpoint before I started inquiring about the overpayment with Roundpoint. After this time I have made approximately 8 calls to Roundpoint asking for  reimbursement totaling hours on the phone only to get get many variations on what is going on, i have been told by Roundpoint that, nothing is showing owed to me, its under review, still in processing, through conference call with Tax Assessor that it will be overnighted to me on XX/XX/XXXX, to now it will take another 6-8 weeks for reimbursement. Round point has been less than cooperative in resolving this in a timely matter and in truth I believe it is lost in their system. I have researched matter and have documents showing Roundpoint payment on XX/XX/2018, XXXX XXXX   payment on XX/XX/2018, and Tax Assessor payment back to Roundpoint on XX/XX/18 Just looking for help to resolve this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : -XXXX XXXX  {$720.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$540.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00}, XX/XX/XXXXXXXX XXXX XXXX  {$1200.00}, XX/XX/XXXXXXXX XXXX {$660.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX {$340.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  {$400.00}, XX/XX/XXXX 15 U.S.C. 1681 section 602 A. states that have the right to privacy.

15 U.S.C. 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instruction.