23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony XXXX XXXX  XXXX XXXX, XXXX, CT XXXX Dear sir, I need to express my concern regarding the notice from XXXX today on the refund issued by XXXX XXXX  XXXX XXXX XXXX XXXX which amount is {$130.00}. I need to clarify that upon the decision to close the credit card of your company, I changed the payment method of XXXX to another credit card. Therefore, it is beyond my understanding why XXXX has decided to send the refunded amount {$130.00} to the closed credit card number ending XXXX. XXXX says that card issuer is processing refund to the card ending number XXXX. However, since I made sure that my card was closed by using my card at the shop. And I checked the online account of this credit card disappeared. And I paid off all remaining balance yesterday. I state the relationship between your company, and I is non-existing. Also, I tried to use the reward certificate, XXXX, and same as before, I could not use it at one shop, where I go often in XXXX, New Jersey. I want to clarify why your company can state to XXXX that your company, card issue, is processing refund to the closed account. Since your company insisted that my reward certificates had been used and your company employees and those who works at the shops, which relating with your company credit company, treated me as if I did fraud activity. The point is the account has been closed and it is impossible that your company has started the process of refunding. Since it relates with the owner of XXXX XXXX XXXX XXXX, I would like you to stop that process and return total amount to my XXXX account. Since this refund has started by the suspicious claim of the employee of XXXX, there is no issue which occur the refund itself has happened. That means there was no transactional problem between XXXX XXXX XXXX XXXX and I, XXXX XXXX. Therefore, the action of refund itself should be happened. If your company wish to pursue the responsibility of XXXX, it is fine and it's on your decision and responsibility. What I want to do is to return this claim of dispute on the owner of clinic from me to be cleared, as this employee looked to have stated to the owner and asked him to refund me, which I could not recognize, since the transaction itself does not exist. Before the action of his refund, we have agreed to return this amount of {$130.00} to him. I expected XXXX keep the credit in XXXX account, since I stated it the card on issue was closed ; however, the XXXX employee refunded to the credit card. And I do not have the credit itself in my XXXX account. Since you must have the credit of {$130.00} which should be mine, I request to return the amount of {$130.00} to me through my XXXX account. Then, I will proceed to return this amount of {$130.00}. There might be the suspicious activities by this XXXX employee. At this moment, I just want to receive back this {$130.00} from your company and return to the owner. 

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

I did not authorize XXXX XXXX XXXX to put a loan on my credit report and XXXX XXXX  XXXX  I did not sign any documents by mail or received any mail sign by me with my actual id social and written signature. ( XXXX ) account : XXXXXXXX XXXX XXXX  account number : XXXX ( XXXX ) account : XXXX XXXX XXXX account number : XXXX Please block this information from my credit report and remove it pursuant of section 605b of the fair credit reporting act which require you to block the fraudulent information on my credit report resulting from identity theft with four business days and to promptly notify the furnisher ( s ) of that information
Product: Money transfer, virtual currency, or money service

I tried to buy four XXXX XXXX basketball game tickets for {$420.00} on Saturday XX/XX/XXXX using XXXX with XXXX in my JPMorgan Chase Mobile cell phone app. the seller gave me their email and I confirmed the email with them and transferred the money. the seller/recipient explained that they did not receive their money. 

I called my bank, Chase, and had them try to cancel the pending transaction after a half an hour, the same night, after having the recipient check their junk mail folder. i was told since the transaction was pending and there was nothing the agent could do, and to call Chase support back on Monday. I called on both Monday XX/XX/XXXX and Tuesday XX/XX/XXXX. the transaction cleared on XX/XX/XXXX.

i called Chase bank support tuesday morning XX/XX/XXXX and was told that since i used XXXX with XXXX and that it was a third party service offered by Chase Mobile that my bank, Chase, could not do anything to guarantee my money back. they offered to open a claim with XXXX but could not guarantee my money back. 

after not hearing back from my bank, Chase, i called them on XX/XX/XXXX and was told the case was closed but had a case with XXXX open. i was told if the recipient tried to take the money from the receiving account that the account would be suspended and that i would get my money back -- but was also told this was a very slim chance that it would work. 

JPMorgan Chase bank offers a third party way to pay someone without any protection for the customer.
Product: Credit reporting

I have notified Experian that I have been a victim of identity theft. The following accounts do not belong to me : 1. XXXX 2. XXXX 3. XXXX 4. XXXX Please assist me in getting this matter resolved.
Product: Credit card or prepaid card

I opened a Bank of America XXXX  XXXX credit card in XX/XX/2019. My wife and I used this card to make over {$6000.00} in purchases during the month of XX/XX/XXXX, as we were moving across the country. I attempted to make a payment and was directed to the BOA application, which I subsequently downloaded. On XX/XX/XXXX, I attempted to make a payment online. I received an error message saying that online banking had been disabled for my account and that I must call XXXX to address the issue. This number connected me to an automated recording instructing me to make the payment through the app. Needless to say, this cycle became very frustrating and seems designed to make credit card payments difficult. I ultimately spent nearly 3 cumulative hours on hold before I finally was able to make a one time payment. No one ultimately addressed the online banking issue so now, three weeks later, I attempted to make a payment in the amount of 1500 and ran into the exact same problem. It is aggravating and seems that BOA has designed this process to make payments difficult to discourage users from settling their account, perhaps to increase revenue from interest. I intend to cancel this card but I think this issue should be addressed to the ensure the welfare of other users.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2019 I received a call saying I was late on a payment. On that call they right away asked for personal information such as social so I immediately said I didnt feel comfortable disclosing that information over the phone because i didnt know if it was a scam. They called again and they continued to say they were calling regarding a late payment for kohls. So I check online to see if I had any outstanding payments and realized it was true. So I immediately payed the full amount off and apologized that I didnt realize I had made any recent transactions. Fast forward to today Im trying to buy a home and there are remarks posted on my credit history about late payments through Kohls. I reached out to kohls and asked to kindly remove the remarks. They continued to say that they do not reach out to the credit beaurral unless there have been months of unpayment and in my case I had made my payment as soon as they reached out. So that they werent sure why the remarks were left on there but that they had no authority to remove it that they would need to file a claim to do so. I filed the claim and they sent a letter saying they can not remove that remark. Now that remark is affecting my whole credit history when I always make my payments.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these item deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an unauthorized hard inquiry on my credit report attributed to SYNCB/Sam 's Club, dated XXXX. I did not authorize or initiate this inquiry, and its presence on my credit report violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which mandates that consumer credit reports can only be accessed for permissible purposes or with explicit authorization.

Under the FCRA, hard inquiries are only allowed when : The consumer has applied for credit.

The consumer has authorized the inquiry in writing.

The requestor has a legally permissible purpose.

I have no relationship with SYNCB/Sam 's Club, have not applied for credit with them, and did not authorize this inquiry.

Therefore, I am requesting the following : Immediate Removal : Removal of the unauthorized inquiry by SYNCB/Sam 's Club from my credit report.

Proof of Authorization : Documentation demonstrating my authorization for this inquiry. If such documentation does not exist, the inquiry must be removed promptly. 
I have previously provided supporting documentation to the credit reporting agency to assist with the investigation and expect a response within the legally mandated 30 days. 

Thank you for addressing this issue promptly.
Product: Credit reporting or other personal consumer reports

I created an account with Experian but did not choose the pay option to have services and then my score dropped almost XXXX. I contacted both companies that they show which is my previous mortgage company and they never reported me and if XXXX is on there I also contacted them and they never reported me either. If I look at my credit score they keep dropping it more. I am so upset because I have had perfect credit my whole life and they did thus to me. I have been on the phone with them so many times and all they do if xfr to a place that no one ever answers. I filed disputes with them and they send me emails saying the dispute is opened but they never contact me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , IL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX CARD ( Bank ) XX/XX/year> TBOM/MILESTONE ( Bank ) XX/XX/year> FEB/DESTINY ( Bank ) XX/XX/year> XXXX XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX XXXX ( XXXX ) XX/XX/year> GEORGIA XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX CHR ( Auto ) XX/XX/year> FEB/DESTINY ( Bank ) XX/XX/year> CAPITAL XXXX ( Bank ) XX/XX/year> CAPITAL XXXX ( Bank ) XX/XX/year> 2024
Product: Debt or credit management

Hello, On XX/XX/XXXX I recived this email fro, Tally, tally XXXX XXXX XXXX  XXXX Tally Technologies , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX Were so sorry to let you know that due to circumstances beyond our control we will no longer be able to make new credit card payments from your Tally line of credit, effective immediately. 

Tallys lines of credit are funded in many different ways. In order to help our members save money in interest charges, we borrow money in bulk so that we can pass these better rates directly to our members. Unfortunately, the investor that funded your account has informed Tally they will no longer provide funding for any accounts, despite Tallys efforts to reach a different outcome. 

Tally will continue to service and support your account, but there will be no future credit card payments made on your behalf. 

Rest assured that this action is not a reflection of your standing or activity with us. We thank you for using our service and partnering with Tally in your financial journey. 


What to do next Going forward, you'll need to pay your cards on your own each month. Weve listed upcoming minimum payments due to your cards over the next few days so you can make sure to pay them directly yourself : XXXX {$98.00} due XXXX Please note that you'll still be responsible for repaying your remaining Tally balance. 

We'll alert you once you've successfully cleared your Tally balance, and then begin the process of closing your account. 

The good news is that your Tally minimum payments will get smaller and smaller each month as you pay down your balance. Set up Autopay now to make payments stress-free : Set up Autopay We know this may change how you pay your credit cards, and we want to make this transition easier for you. If you are having trouble paying down your Tally balance or if you have any questions about this notice, please email us at XXXX. 

Sincerely, The Tally Team Tally is providing this notice on behalf of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Notice : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and 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

Ever since you sent me the dissolution for my last and only complaint, I have been getting harrassing phone calls. They say I am to appear before a federal governments majester and since I never responded to them I am going to prison.? I looked it up online line the multiple numbers and sure as XXXX others had complained of a scam, its just weird it was directly after dissolution of my complaint. Also now there is a fraud block on my report telling any consumer to call me before any purchase .... Its basically ruining my life, I am a single father trying to make it with a XXXX year old zero help from the mom she is long gone and you've destroyed or whoever put this fraud block on what credit I was rebuilding. My personal info is off by a long shot its seriously ridiculous! There is stuff on my credit which is ten years old when can a man finally get a break? Not to mention i'm in between XXXX working jobs from the season and unemployed ... The i.r.s. charges like 500 dollars a missed payment the state puts leins and distraint warrants out on bogus child support..NO ONE even actually looks at these claims ... The only government or service workers i have found to do a decent job is the XXXX, and some of there workers are like ridiculous to where its overboard. I here of a tax reform all the agencies government and state are reformatting to correct this? I seriously hope my daughter grows in a generation where this is taken care of and government and state officials give a family the chance to XXXX LIVE!!!!! excuse my language i am in an outrage. HENT..VENT ... Please email me back or call leave a message so i can call update my contact information immediately so me and my XXXX year old can have a chance in this wold!!! and please take the fraud alert aff my account!!! ASAP When called i will present my real current info like phone address school history because some of the guesses and XXXX  still on my credit is bogus!!! thank you for your time!! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in XXXX XXXX to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the XXXX XXXX  account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my report. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$1200.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ad address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

RECENTLY LOOKING AT MY CREDIT REPORT I NOTICED 2 FRAUD ACCOUNTS THAT DO NOT BELONGS TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a XXXX XXXX XXXX IL XXXX Reference number XXXX with the following credit bureaus ( XXXX, XXXX, and XXXX ) which all confirmed the public record was verified by the XXXX and THE COURT HOUSE. I asked all three bureaus ( XXXX, XXXX and XXXX ) to disclose their method of verification on the alleged XXXX  they are reporting. They replied to me with the XXXX  being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY/DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMorgan Company XX/XX/ Applied for an XXXX credit card in XXXX. XXXX. wrongfully filed a hard inquiry without my permission, which has effected my credit score greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : A letter was sent ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) to Santander Consumer USA submitting a formal dispute of their account reporting on my credit reports. I also request validation bearing my signature showing I had a contractual obligation to pay them. 

I have not received a timely response from the company. 

I sent another letter ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) stating " I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a 'notice of dispute ' on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. '' I will include a copy of my credit report from XXXX dated XX/XX/XXXX, as proof that the company did not furnish the required disclosure. 

Today 's date is XX/XX/XXXX, and I still have not received a response from the company nor the required dispute disclosure on any of my credit reports.
Product: Credit card

I had a credit card with Chase Bank that I unfortunately let fall behind and it was charged off in XXXX XXXX. I began making payments in XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX collecting on behalf of Chase Bank XXXX In very early XXXX, I contacted Chase Bank to discuss the way the charged off account was reporting to the XXXX. It was reporting as a Charge-Off every month even though I was making a payment as we agreed every month. Chase assured me that once the account was paid as I agreed with XXXX, the past payments would be updated and that they could not do anything about it until that point because they would not get my file until then ( they said XXXX would send my payments to them after it was paid ). I am attaching the checks I have copies of from my bank. I actually made a couple payments before this as well but my online banking would only go back so far. 
This account was paid as agreed in XXXX XXXX thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act this creditor 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 agency can not furnish an account without my written instructions. 

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 it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b. 


Also 18 US code 8 states that the obligation of this day is already paid for by the United States. 12 CFR PART 1026.11 ( a ) This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.