23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, someone used my credit card information to purchase 2 large purchase items. One in the amount of {$870.00} from XXXX XXXX and the second in the amount of XXXX from XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was checking my Chase Credit card accounts ( I have 3 of them ) when I noticed that these charges were on one of my accounts I immediately called the Fraud telephone number for Chase and reported it to them. They immediately took them off the card and advised that they would be sending the case to be investigated. Since I had not purchased either of these items, I did not have any doubt that was the end of it. Around the same time ( I think a day or 2 later ) a representative from XXXX XXXX called me to verify that I had indeed made this purchase from them. I told him that I had not and he immediately stopped it from being sent and sent credit back to my Chase credit card. I was never told by Chase to contact either of the companies involved. The only thing that they said that I should do was to put a credit freeze with all 3 credit bureaus which Immediately did after the phone call. I never heard from anyone until I received a letter from Chase advising me that I was not responsible for the item from XXXX XXXX but that I was responsible for the one from XXXX XXXX XXXX XXXX since I received benefit from the transaction. I called and spoke with a rep at Chase and they gave me the information of what was purchased, the reference #, po #, and inv # along with the XXXX XXXX tracking number. The representative, XXXX, told me that it was delivered to my home address and that I signed for it. I went to the XXXX website and looked up that tracking number and from that, I found that it was actually delivered to a different address. I called XXXX XXXX XXXX XXXX and spoke with XXXX and asked her to have a copy of that delivery form showing where it was delivered and the signature. After 3 days, I did not receive it and I called back and spoke with XXXX. She said that it would be ordered again but could not tell me when it would be sent to my email address, they were just too busy to be able to tell me how long it would take. I received a phone call from someone at Chase on XX/XX/XXXX but I was in my car and advised them that I could not talk at the time and could they call back in about 2 hours. I never received a callback. I then sent an email on XX/XX/XXXX advising that I had not heard from them. I received a call from Ms. XXXX the next day ( XX/XX/XXXX ) and she said that it was still under review and that they will call me soon with the result but that she felt that it would be taken off. As of today, XX/XX/XXXX I have not heard from anyone and the amount of {$810.00} is still on my account. I never ordered anything and I never received anything. I feel that they did not investigate this because had they just done the little thing I did ( check the tracking number for the delivery ) they should have had a different result.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. During the purchase and financing process, I was told that the financing approval was dependent on the purchase of the vehicle warranty to protect the collateral and spare me any costs of repairs. However, once I agreed to purchase the warranty, I never received any information on obtaining service or scheduling repairs. I contacted the dealership and was told I would receive the warranty agreement and loan statement within XXXX days. 30 days later, I never received any information regarding the warranty or a loan statement to remit payment. I contacted the dealership to verify who financed the vehicle, and I spoke with the sales XXXX and was told that my financing was provided by XXXX XXXX XXXX and to contact them regarding payment and warranty information. I searched XXXX XXXX XXXX online and found a customer service number, I spoke with a representative and I was told my first loan payment was late. My payments have been 30 days late ever since that conversation. I called and requested assistance or a payment arrangement, and my requests have fallen on deaf ears. I have been assessed {$1400.00} in late fees, a {$200.00} repo fee ( This vehicle has never been repossessed ), and {$120.00} in XXXX return fees totaling {$1800.00}. XXXX XXXX XXXX has also reported this loan late multiple times to credit reporting agencies, causing substantial damage to my credit score. As of today, I have paid this loan current. I also have another loan with XXXX Fed XXXX XXXX that has never been paid. I am requesting relief and my credit history to be restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed credit card account with the Police and XXXX XXXX XXXX XXXX. The card was charged off and settled in XX/XX/2022. Upon review of my report from XXXX, Equifax is reporting that this account is 180 days late which is not accurate!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX  XXXX XX/XX/2020 XXXX XX/XX/2020 EQUIFAX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} COV XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted XXXX XXXX the collection agency that bought my debt from mobiloans in early 2017. I informed them that I wished to start working on getting my account squared away. I told them at the current time I could afford {$50.00} a month to which I was told that was fine as long as I made two months of payments around 140 a month to start to show good faith. I really did n't have that kind of extra month but agreed to just to start the ball. After several months I contacted them to see if I could get a settlement offer. In reply they told me no that I was not going to get a settlement because they were allowing me to make payments to begin with. I told them that I felt that was unfair and wished for them to cancel all payments since they wanted to charge me a fee if I paid monthly vs having them auto draft from my bank. At this point the guy became mad about it and in short terms used threstening words and tone to try and get me to keep paying. I refused until they would give me a good settlement that satisfied both parties. I told them i would have some money for a settlement around XXXX XXXX 2017 if they could come up with a decent settlement around then to call me and maybe we could come to agreement. The guy then told me without an agreement from XX/XX/XXXX to XX/XX/XXXX there was a good chance that they would sue me. I felt very pressured into everything. But still said no to anymore payments. Fast forward to XX/XX/XXXX I find that Summit has taken {$50.00} from my bank. I call my bank to report it and my bank canceled my debit card and starting a fraud report. They also suggested I call XXXX  to try and fix it. When I call XXXX the first lady talked to me and told me that I had agreed to the charges but said there was an email on my account that said I had cancelled all payments back in XX/XX/XXXX but then I called and told them to resume payments and to change my due date. I had not called them at which point she hangs up on me. I spend the next 2 hours calling them back to only be hung up on or transfered. Finally they get me a manager and he claims I told them to change my due date and keep taking the money out. When I told him I did n't he argued with me. After several times I tell him that they took the money without my approval and he said no I had given it in the beginning so it carries over even after I cancelled the payment because I wo n't tell them my intentions with the account. I told him I wanted my money back for the payment they just took and to cancel the rest of any thing on the account. He said no to my refund and then said the rest are cancelled and then hung up. I did n't get any confirmation or anything. My wife also has an account owned by them and her account is having the same problem right now as well.
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. 

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 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: Debt collection

I never was approved for a loan from this company. I never received a loan from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

I was turned down for a loan by Honda Finacial Services XX/XX/2016 there number was XXXX. Honda Finacial service number is XXXX. I requested an explanation from them of why I was turned down and a copy of the credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX. I did this by sending them a copy of the form letter to both companies. This was done in XX/XX/XXXX I mever heard back from either company it has been over 60 days.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the account : XXXXXXXX XXXX XXXX  XXXX Balance : {$29000.00}
Product: Debt collection

I have carefully examined my latest credit report and noticed various accounts that I think are erroneous and were added without my awareness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting incorrect late status on my credit file : 1. XXXX - reporting incorrect lates from XX/XX/XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - reporting incorrect late 120 & 180 day status 3. XXXX - reporting incorrect late 120 day status 4. XXXX XXXX XXXX  - reporting incorrect 120 days late on XX/XX/XXXX 5. XXXX XXXX XXXX  - reporting incorrect late 120 & 180 day status ( maybe a duplicate account ) 6. Incorrect Address Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The below items never belong to me and is reporting on my credit file : 1. XXXX XXXX - This is not my account 2. XXXX XXXX XXXX - This is not my account 3. XXXX XXXX XXXX - This is not my account or a duplicate of another 4. XXXX  XXXX XXXX - This is not my account 5. XXXX XXXX XXXX - This is not my account 6. XXXX - XXXX XXXX - This is not my account 7. XXXX XXXX XXXX - XXXX XXXX XXXX This is not my account 8. UNKNOWN ACCT ( Bal : {$100.00} ) - This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit reporting or other personal consumer reports

Target credit card continues to report late payments without Consent. The account was fraudulently established in XXXX  during the beginning of the global pandemic of XXXX. This company didnt offer any type of relief during this time or validation that they confirmed this account was made lawfully
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX had brought me to small claims court XX/XX/2019 for an alleged debt with XXXX XXXX XXXX 

There was a Judgement of Dismissal rendered on XX/XX/2019 in regards to the debt they were trying to collect from me. 

The judgement is very clear stating I am not responsible to pay any part of this debt and that XXXX does not have any right to appeal this judgement. 

Since that day, XXXX has continued to tell all 3 credit bureaus that the debt is valid. 

Because of this, the 3 credit bureaus continue to keep this debt on my credit report even after the fact that I have provided the court documents showing I am not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX. # Account XXXX Collections XXXX Account # 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 with written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis and/or XXXX XXXX provided information to credit bureaus after a security freeze was in place. No information is permissible regarding self to be released to credit bureaus or any other companies for any reason.
Product: Debt collection

I'm not aware of this debt and did receive any mail with the opportunity to dispute as these not my accounts REVENUE GROUP # XXXX ; XXXX. Please provide the following : Method of verification Validation of Debt Assignment of Debt These account should not be place in dispute until any type of investigation needs to happen. This accounts need to be removed as your in violation of Hippa rights as well and I will file suit. If you believe you provide communication please attach CERIFIED MAIL showing that mail was delivered and sign for. Can not just place deb on someone credit report.

Please remove ASAP.
Product: Credit card or prepaid card

Very bad customer Service and experience Everytime I request A credit line Increase in my Exxon account They tell me You have a fraud alert I say yes their supposed to Due extra verification to approve me They dont they just decline me each time Im So frustrated with this bank their dont care to make me Happy I deserve a line increase Ive been a loyal customer
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I looked at my credit report to make sure that my payment history was exceptional and I noticed a lot of hard inquiries from all 3 bureaus on my report that I didnt authorize. So I called XXXX and to no avail I didnt get any help. 

How can I be assisted with this issue and I just want this to be deleted off of my credit report.
Product: Credit card or prepaid card

I was traveling in XXXX & only became aware of this card on XX/XX/XXXX when I first created my account. 

At first I thought it was a scam but then I found that it was a payroll card. In order to see the contents, I had to create an account & agree to terms that were never sent to me. 

I found that there was an initial deposit of {$120.00}. 

Prior to registering my account and agreeing to terms, theyve started to deduct {$5.00} per month from my account for inactivity. 

They made no attempt to notify me & made no attempt to secure my permission before deducting the {$5.00} per month from my account starting XX/XX/XXXX. 

I contacted Skylight/Netspend customer service on XX/XX/XXXX about refunding the fees they deducted without my permission & they agreed to only refund 3 out 9 deductions.

I need your help to secure a refund on the remaining 6 deductions, a total of {$30.00}.

Thank you.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

Paid rent on XX/XX/XXXX via XXXX XXXX online as I have done without issue before. Rent check showed as delivered and deposited within a few days. On XX/XX/XXXX, I received a text from my landlord that he had not received rent check. After some discussion, we determined that it must have been stolen from his mailbox or during transit. The proof of payment provided by Chase clearly shows the check was endorsed by someone other than my landlord, they signed it with a completely different person 's name.

I called Chase to let them know a check had been stolen and deposited by someone who was not the payee. After hours of being transferred between different departments, they opened a claim, Claim # XXXX, and issued a temporary credit for the amount of the check, {$2600.00}. 

A few days later, they emailed a PDF with an affidavit for me and my landlord to fill out to describe the issue and attest to what happened. We both filled it out, and on XX/XX/XXXX, he faxed it to the fax number listed on the claim form, which belongs to the Chase claims department. 

On XX/XX/XXXX I received an electronic letter from Chase stating that my claim had been closed, that they had determined the check was processed normally, and that they would be debiting the previously refunded amount from my account. I called to let them know this was in error, and they said that because they had not received the affidavit, they were closing the claim. I let them know when and where the claim was faxed to, but they claim to have never received it.

They are now opening a new claim, but with no refund given for the stolen check, and are saying that the investigation process will take 90 days, upon which I may be given a refund if the claim was determined to be valid. I have to go through the affidavit process all over again, and take further steps to ensure that they actually process the form once it's been faxed and mailed once again.

This is a nightmare, and I am out {$2600.00} because someone stole the check I sent via Chase XXXX and deposited the check, with an endorsement that is clearly not the signature of the payee. On the CFPB website it states that banks are responsible for ensuring the check endorsement matches the identity of the payee. That did not happen here.
Product: Payday loan, title loan, or personal loan

I wasnt able to payback on loan due to lost of job. Im now catching up on my bill and can not afford to pay loan back. I would like for loan to be adjusted off as a courtesy.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I formally request for the removal of the following fraudulent items. The three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I assume that they rectify these violations and provide me with an accurate and updated credit report immediately. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. With that, I am expecting for your assistance to delete or remove these fraudulent items from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received an email saying my Apple Card was closed. I never missed a payment, never carried a balance and I always use it. They said I violated the terms of service and told me to read it. I read the entire terms of service and I got in touch with them and they said its internal they cant tell me why. My credit is perfect. They are purposely trying to ruin my credit. Im in the middle of a hike purchase and my credit is going to take a hit because they want me to pay higher interest rates or not be able to move somewhere better.