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

In XXXX XXXX, I had used my card at an ATM twice at XXXX. I had received fraud alerts for a transaction in which I had been denied trying to use my Chase XXXX, and two fraud alerts on my Chase XXXX Credit Card. I had then received a phone call from Chase Fraud Prevention about unknown transactions. I had cancelled my card ( s ) and reported them stolen. The transaction amount on my debit was for XXXX and was for XXXX XXXX XXXX XXXX XXXX  XXXX. This is NOT a legitimate business transaction. This transaction had overdrawn my account and I had notified Chase right after receiving the alert to close down my Debit and Credit Card. Chase gives me the temporary credit, and with-in a week denied my appeal stating that my card was used with the chip, and therefore can not be fraud. 

This is fraud. 
I have no knowledge whatsoever of any of these transactions, and Chase should give me my money back. 
They have no knowledge of whether the EMV chip had been used, or if the card was used manually by entering my Card #, Expiration date, and CSV number. The card was not in my possession so any of the above can happen without my permission. 
In conclusion, my Debit had been charged XXXX USD to a retailer that does not exist and had custom charged their own fee of XXXX Pesos at an exchange rate of XXXX and Chase Fraud will not assist me or provide me the retail name to pursue because my card has a EMV chip, but can not prove that the EMV chip is involved when you can physically enter the information on a card, that is not in my possession. 

Chase Fraud Prevention did not honor my " Zero Liability Protection '' or offer any protection for this transaction. Where they had notified me of other transactions and would have gladly stopped the transaction, this large transaction went by unnoticed and was authorized to be completed.
Product: Debt collection

XX/XX/2017 there is an open account with XXXXXXXX XXXX XXXXXXXX XXXX that I did not open or authorize to be opened.
Product: Credit reporting or other personal consumer reports

Disputes have been sent multiple times to all three credit bureaus, requesting that the credit record be adjusted for the XXXX XXXX XXXX account XXXX, this account provides false information, instead of correcting it or deleting it, the credit agencies do not bother to conduct a full investigation.
Product: Credit card or prepaid card

We sent ( via USPS Certified Mail, Receipt Requested ) a check for {$5800.00} to Synchrony Bank on XXXX XXXX, 2023 to pay in full the balance on Plan XXXX. 

An attached letter was enclosed with specific instructions to apply the payment to XXXX XXXX. It is also clearly marked on the check to apply the entire amount to payoff XXXX XXXX 

Synchrony Bank did not applied the full amount to payoff XXXX XXXX  as directed in the letter and on the check. Synchrony willfully and purposely applied {$1100.00} to XXXX XXXX 

Regarding XXXX XXXXXXXX, we are currently disputing the interest and fees that Synchrony is charging us for XXXX XXXX, see CFPB XXXX XXXX. As of today, I have left 3 detailed telephone messages to the Synchrony representative that responded to this case. I have not received a return telephone call. 

It is a little hard to ascertain, but it apprears that Synchrony has previously applied monthly payments {$160.00} for the months of XXXX and XXXX 2023 to XXXX XXXXXXXX instead of applying to XXXX XXXX as instructed in the letter and on the check..
Product: Debt collection

This company continues to put fraudulent information on my credit report. They have been blocked from my credit report once but now they keep making up information to put on my credit report.
Product: Credit card

I was approached by the manager of wells fargo bank and incoureged to astablish credit with a bank card .told to put XXXX in asecured account, plus XXXX annual fee, which iwas under the understanding that was an annual interest. After a few months paying back i owed about XXXX XXXX i made a payment of XXXX for the month .XXXX XXXX i missed makeing aminimum payment. On XXXX XXXX XXXX iam out of the rest of my account .They goobbled XXXX that quick, I am outrqaged at the robbery of this institution. I was talked into doing this against my wishes .They scammed me and i wish they had just left me alone with my debit checking account. .i am one of those customers they took to the cleaners last year. XXXX
Product: Credit reporting or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}
Product: Debt collection

In XXXX, I rented a XXXX XXXX XXXX and paid monthly, then quarterly payments in a sufficient timely manner ( auto pay from XXXX, then auto pay from online banking ). For some reason they had a hickup in colllecting and missed a month or two in " XXXX ''. When I caught up ( for around {$36.00} in payments ) they hit me with a {$900.00} late fee. I questioned and resolved shortly thereafter. Each time I renewed the lease on the machine, I asked, and they assured me, that my account is up to date, paid in full. So I continued with the rental program every few years until one day, in XX/XX/XXXX, they asked me to return the machine because I owed them money. I was surprised and confused. The people at XXXX said they terminated my contract and, my account was XXXX. I returned the machine and then a credit collection agency started hounding me for {$1200.00}. I never had this problem. This person XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) asked me to prove payments from XXXX and that she would resolve the account. I sent her the evidence and she then said my contract is owed through XXXX ( recall, I was forced to return the machine ). Threats are not something I am used. Her tone was abusive. She can ruin my credit and possibly place a judgement against me. THIS IS TANTAMOUNT TO CONSUMER FRAUD. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act XXXX Account # XXXX / XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also establishes a The consumer reporting agency can not provide an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere.
Product: Credit reporting or other personal consumer reports

I don't recall getting this loan from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX, Experian, and XXXX  of unauthorized inquiries on my credit report. Since the creditors didn't have me authorization, written nor verbal. I ask the credit reporting agencies to immediately delete the inquires. I previously requested the creditors delete the inquires also, and was denied.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS IN VIOLATION OF THE FCRA BY REPORTING INQUIRIES ON MY CONSUMER REPORT WITHOUT MY CONSENT. I DO NOT CONSENT, AUTOHRIZE, NOR BENEFIT FROM THE REPORTED INQUIRIES IN MY CONSUMER REPORT. I DEMAND ALL INQUIRIES BE DELETED IMMEDIATELY. EQUIFAX BLATANTLY DISREGARDED MY LAST REQUEST TO DELETE THESE INQUIRIES. I WILL NOT LET UP UNTIL THESE INQURIES GET DELETED.
Product: Debt collection

I requested Verification of the alleged debt with supporting documents including a original contract signed by me and they have failed to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.
Product: Money transfer, virtual currency, or money service

XX/XX/2020, I was selling an item on the app XXXX XXXX  which a potential buyer wanted to purchase the item for {$350.00} and have it shipped overnight via XXXX. The buyer wanted to send me the funds through Cashapp. In order to obtain the funds I was told by support at Cashapp that I had to extend my " business credit limit '' in which I was to send {$300.00} to a " customer service Tag. '' After sending that money, I was later being told that there was a problem with the buyers account in which they ( cashapp support ) requested I can send a refund payment of an additional {$500.00} via Cashapp after which they shall then credit my account with the total payments of {$1100.00}. Also telling me that I can send the refund via cashapp or a Visa Gift Card from any outlet and sending details of a scanned receipt for verification so they can credit my account of the pending {$1100.00}. At that moment I knew I was trying to be scammed of more money, which I didn't have in the first place. I had tried to reach out to Cashapp by calling their phone number posted on the internet, and also had sent a message to their XXXX page and got no answer or results back from them. I tried to request a refund from the customer service Tag, but the person has denied my request.
Product: Checking or savings account

A third party transfer funds into my account and the bank is withholding it,
Product: Credit reporting or other personal consumer reports

THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX, 2024 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating & quot ; They do not report any bankruptcies to anybody. & quot ; So if that & # 39 ; s the case. Per the FCRA 623 ( a ) ( 5 ) : & quot ; If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file & quot ; and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone & # 39 ; s credit report. 
Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

They also violated my rights numerous times. 

DELETE XXXX Account Number : [ XXXX XXXX ] FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.
Product: Debt collection

I sent a debt validation letter for debt, it has been over 30 days since they received the letter and they have not responded. The letter was sent certified in which I am able to prove they received the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016, I filed an XXXX XXXX XXXX # XXXX, # XXXX, with XXXX Bankruptcy XXXX XXXX XXXX XXXX, Texas. I was represented by a Law Firm. I contacted my attorney and requested my attorney to stop or dismiss XX/XX/2016. I was never informed that this XXXX XXXX XXXX  would be placed negatively on my credit report. I was never informed or counseled by my attorney that this XXXX XXXX XXXX would be placed negatively on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting SYNCB/SCORER Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 

6. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXXXXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Update to Open/Never late 9. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 

10. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( XXXX ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I rented a car from XXXX on XXXX day ( XX/XX/XXXX ) XXXX ( Rental Agreement Number XXXX ), I returned the vehicle in the condition it was rented on XX/XX/XXXX, and didnt hear anything from XXXX until XXXX of XXXX. At this time, I was notified ( falsely ) that there was damage to the vehicle I rented and I was responsible. XXXX has since unjustly and improperly sent this claim to a collection agency ( First Financial Asset MGMT , INC. ), they sent incorrect information about my vehicle rental ( saying that I rented a XXXX XXXX XXXX XXXX XXXX, when this is not true ), and my attempts to contact XXXX and First Financial Asset MGMT , INC. for information to justify the claim have been ignored ( Ive left approximately 10 voicemails with the case examiner team ). I hoping someone can give me full documentation of the rental condition report ( before renting ), the return condition report ( after renting ), photos or videos of the alleged damage, and XXXX policy about notifying customers that theyre being accused of an incident, stop contacting me, and remove and impact on my credit for {$850.00} that they're saying that I owe.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information reported inaccurately on my credit report. According to my latest credit report from Experian, this agency has reported some discrepancies, including my payment history, which I believe violate my rights under 15 U.S. Code 1611 regarding the willful and knowing reporting of false information. 
Upon reviewing my credit report, I noticed the following errors : Payment History : I PAY all my bills on time ( I have bank statements to prove you wrong in court ) Creditor Name : XXXX XXXX  Nature of Discrepancy : The account is reported as " POTENTIALLY NEGATIVE, '' despite being PAID in FULL and closed. 
Creditor Name : XXXX XXXX Nature of Discrepancy : Discharged Account being reported as past due Creditor Name : XXXX Nature of Discrepancy : The account is reported as " POTENTIALLY NEGATIVE, '' despite being PAID in FULL and closed. 

Creditor Name : XXXXXXXX XXXX XXXXXXXX Nature of Discrepancy : This account is unverified. It doesnt belong to me. 

Creditor Name : XXXX XXXX XXXX Nature of Discrepancy : Unverified account. This is not my account. 

Almost everything they have reported about me is a LIE, and this has caused me to lose money. I have proof that I have always paid on time and receipts for the account they are reporting negatively. I have also noticed that they are reporting collecting from 10 years ago.
Product: Credit card or prepaid card

American Express Bluebird and Serve customers have not received their direct deposits since XX/XX/2018. I was supposed to receive mine on XX/XX/18. I have called every day and multiple times daily with no reasons why or resolution times. Now, when I call it is a busy signal and have had zero communication. I was first told it was a system upgrade and then I was told it was a system outage, and then I was just told they are aware of the issue. I can't have my payroll company redirect my paycheck as American Express has already cleared it as of XX/XX/18. Today is the 5th day that I have gone without my paycheck being deposited.
Product: Debt collection

Velocity investment LLC served me with papers to sue for an auto debt that was over 4 years ago ( in Texas ) Would only settle for {$4400.00} and the original was {$5200.00}.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.