23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/2024 - called Chase bank to discuss a mistake they made in determining the outcome of a customer credit card charge dispute. The customer signed up for our monthly music lesson service, used the service, and we provided documented proof of the usage from our servers. Chase denied the claim saying that we did not provide proof of usage. It's a clear mistake. Maybe Chase 's representative just missed the file showing the usage. We contacted customer service and every representative stated, very clearly reading off a template, that " you must call the customer and have them call us to cancel the dispute ''. This doesn't make any sense. We're telling Chase the customer is committing fraud and they're asking us to contact the customer? 

Chase not only completed the chargeback, but took an equal amount in additional chargeback fees. They are profiting off fraud and literally stealing from small businesses who can not fight back legally. 

We have complete documentation of everything, but nowhere to go.
Product: Credit reporting or other personal consumer reports

I have not supplied XXXX under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exist, ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$86.00}, XXXX XXXX balance {$2100.00}, XXXX XXXX XXXX  balance {$0.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRSTMARK/XX/XX/XXXXXX/XX/XXXXaddedremarksas"affectedbynaturaldisaster''onmyaccountthoughI'mnotaffectedandI'mmakingon-timepaymentstilldate.Idisputedthisremarkwiththebankthroughbureausbuttheyreturnedbackthisremarksasaccurate.
Product: Money transfer, virtual currency, or money service

Kraken Crypto currency Trading Co.

I opened an account with Kraken. Kraken web site kraken.com requires you to make a bank wire transfer to one of their company banks. XX/XX/2021 at my request my bank wired {$1700.00} to a XXXX account with XXXX XXXX. My bank emailed me the transfer was completed. No funds have been registered in my XXXX account. The only way to contact XXXX for help is through their email support system. I have emailed them 4 times, I only receive a generic response, We will contact you soon. 
I researched on line about Kraken Scam. There are XXXX of complaints from customers all over the US and world about Kraken Scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things form my report. 

XXXX XXXX {$680.00} XXXX XXXX   XXXX {$6200.00}
Product: Payday loan, title loan, or personal loan

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Debt collection

PRINCE PARKER AND ASSOCA XXXX XXXX XXXX XXXX XXXX, NC XXXX still has not validated this debt. I have provided information multiple times via mail at their address on my credit report certified mail and via email. XXXX removed from my credit as required but XXXX and XXXX have not and neither has the creditor. The creditor stated in CFPB complaint XXXX that they received my communication to cease and desist but did not send me debt verification. This is illegal. I am not required to provide them my email address or communication only via email when USPS certified mail is my form of communication. This must be validated or I will proceed with legal action. It must be removed from my credit reports ALL OF THEM until that happens. It has been XXXX months.
Product: Checking or savings account

On XX/XX/XXXX while I was out of town in GA someone created a XXXX XXXX online account in my name and withdrew {$490.00} from my checking account. The next day I called my bank to report this fraud. A month later they stated it was authorized by me due to the person having my name, address and cell phone number as well as bank card info. The report also listed an email address which was not mine and an ip address which is from XXXX, Fl and XXXX. I live in MD and have XXXX. I've called both my bank and XXXX XXXX multiple times but they are not doing anything about it. I've also gave them the police report claim number and my XXXX phone records to prove that I did not call XXXX XXXX or text XXXX XXXX during that time. I am not sure if this has been happening to anyone else, but something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.
Product: Debt collection

I paid a bill on XX/XX/XXXX to a medical company. 
I received a statement to an old address for the same amount from this collections agency on XX/XX/XXXX. 
I called the agency to dispute the debt and the only way to resolve is to send via paper mail proof of my payment. Keep in mind this was 2 years ago. 
I called the medical company and they have my account closed out and paid. They also do not recognize this collections agency at all as they use another company. This looks like it is a scam.
Product: Credit card or prepaid card

I received my XXXX debit card and I attempted to use it at an atm but nothing came out, I then contacted Bank of America and next thing you know my accounts being debited through atm transactions I did not make I contacted Bank of America again and they told me that theyd send me a new card and I was told that a claim had been filed on my behalf which never happened so I called back again because my account was at a zero balance due to atm debits again in California while Im in another state with my card... I contacted them again and was Told once again that a claim had been filed and Id be receiving a new debit card... I finally did receive a new debit card but my claims kept getting closed without any type of investigation... I have not been able to pay any of my bills/rent and have been facing eviction due to this ..... I have been dealing with this issue til this day they ignore all my request and automatically close out all my cases. Still dealing with them behind them not wanting to give me my money and this is my 3rd complaint Ive been dealing with this for the past year now
Product: Money transfer, virtual currency, or money service

I wired {$4500.00} to coinbase to credit to an associates account. Coinbase rejected the deposit and said they returned my funds. Coinbase has been contacted about the missing funds but they have not returned the money nor have they been in contact.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a reinvestigation of an account listed on my credit report. After reviewing my Equifax credit report dated [ XX/XX/year> ], I noticed the following account that I believe are inaccurate. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already disputed this account with XXXX, and they have removed it from my credit report. Given this action by XXXX, I request that XXXX also review this account and make the necessary corrections or deletions if it is determined to be inaccurate
Product: Credit reporting or other personal consumer reports

Fraudulent Creditor 1 Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX 
The Account Number : XXXX Fraudulent Creditor XXXX Name : COLUMBIA DEBT RECOVERY Original creditor : XXXX XXXX Summary : Both above accounts are fraud due to identity theft. I have never had a XXXX XXXX XXXX  nor a XXXX XXXX. Please remove. I did not authorize anyone to use my credit or have any knowledge of this. 

Code 15 USC 1681 : 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA governs how consumer credit reports are accessed and protects the privacy of consumer information. 
Purpose Ensures that consumer reporting agencies ( CRAs ) are fair, accurate, and confidential Protects consumers ' right to privacy Promotes the efficiency of the banking system Maintains public confidence in the banking system What it covers The definition of a consumer report The procedures CRAs must follow to ensure accuracy The circumstances in which users can disclose consumer reports The permissible purposes for using consumer reports The rights of consumers whose information is communicated Who it applies to Credit reporting agencies, including XXXX, XXXX XXXX, and XXXX XXXX investigators, detective agencies, collection agencies, and more Federal, state, and municipal law enforcement agencies
Product: Checking or savings account

I deposited XXXX dollar check I believe XX/XX/year>. on XX/XX/year> in the early morning I checked my account ad it was XXXX. Later I went to make a purchase, and my card was turned off and I had no access to my online banking. I tried to call the XXXX number and they refused to give me info saying I have a passcode. I've gone to the branch before who have told me I don't have this. So, to start- I couldn't find out anything last night. I went to the bank this morning, discussed with the teller, then got on the phone with the fraud company who straight out accused me of deliberately depositing what I guess they think is a fraudulent check. This check was given to me from my father-in-law and this is the third check he has written me in the last 5 months, Whoever was on the phone was extremely ruse demanding to know where I got it, how I know the person, why did I get that much money, and so many other ridiculous private questions. AND NOW- they tell me my account is frozen for up to 14 days while they investigate and I have no access to any money at this time. THis is my primary account that all my money goes into. I get paid weekly. They are saying they will freeze it all. First of all- WHAT THE HECK? How can they do tis? IF the check was no good why couldnt they say that and return it like every other time in the past? Why wasnt I notified or asked a questions and now all I can do is wait until they finish the investigation. PLEase help!!!! SIngle mom here and this will cause me to lose my rent/apartment. This cant be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being that have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed because ( Original Creditor : Progressive ) Account # XXXX In Accordance to 15 USC 1681 section 602 A : I Have the right to privacy and I did not give Equifax written permission to furnish the listed account 15 USC 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 USC 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Theses inaccurate items falsely being reported to my credit report is ruining my life and hurting my chances of getting a new home and extension of credit please remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau continues to report an inaccurate and unverifiable bankruptcy on my credit. I have attached a letter from XXXX showing they have deleted the bankruptcy. How is the credit bureau verifying this bankruptcy with XXXX when XXXX doesnt have a bankruptcy reporting against me? 

Reporting this bankruptcy is in violation of section 611 ( a ) ( 1 ) ( A ) of the FCRA.
Product: Credit reporting or other personal consumer reports

This XXXXXXXX XXXX  account has been ILLEGALLY RE-AGED. This account is too old to be on my credit report and needs to be deleted. The date of delinquency far exceeds the 7 year window and I have not communicated, contacted or made ANY arrangement with XXXX XXXX to pay any portion of the debt that was charged off since the date of delinquency began. This account was opened more than 11 years ago and I have not made a payment on that account since that time. My credit report shows the last payment made as XX/XX/XXXX. In actuality, I HAVE NOT made any payments after XX/XX/XXXX. I have not had access to this account/credit since XXXX as well, The FCRA states that civil suits, civil judgments, paid tax liens, accounts placed for collection, and records of arrest can only appear for 7 years. Unless XXXXXXXX XXXX can prove that the date of delinquency began prior to the SEVEN YEAR window closing ( after XX/XX/XXXX ) and/or can prove that I made a payment on XX/XX/XXXX, I demand that this line/account be deleted and removed from my credit report. If this account is not COMPLETELY deleted from my credit report, I will take LEGAL FEDERAL ACTION for every falsely reported discrepancy on my credit report from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Flagstar Bank and the credit bureaus XXXX, XXXX  and XXXX.I feel that the decision was unfair due to the circumstances.In the event of the information being erroneous and outdated. I have been caused a great deal of stress and anxiety due to my current status of applying for a home loan. I was denied credit due to the late payment. It is also reporting 90 days on one report and 30 days on the other.My credit is very important to me.I take full responsibility for my actions that was not in my ability to control Life happens. Unfortunately, at the time of the incident mentioned above, I had accident that caused me miss a payment hospital stay/injury. I am asking that the late payment be removed and I have a plan to avoid this happening in the near future. My payment history is 99 % which is excellent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$170.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX {$5800.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted Westlake Financial to request a number to end my car loan. 

My contract has 72 installments with a XX/XX/year> maturity date. Each installment amounted to {$330.00}, and a balance of {$6000.00} remains. The reason for this balance is that there were some postponed payments, which means I would have to make 8 more payments after XX/XX/year>. 

After receiving a copy of my payment history from Westlake Financial, I created a spreadsheet with all payments made. I highlighted the payments equal to or greater than {$330.00}. See the amounts : Amount Financed : {$14000.00} Mature Date : XX/XX/year> Amount Paid : {$21000.00} Balance : {$5800.00} I am seeking assistance in identifying whether I am being charged usurious rates and how the Consumer Financial Protection Bureau ( CFPB ) can help me.
Product: Debt collection

The original debt was from an old Capital One Credit Card Account. XXXX XXXX XXXX XXXX was not the original credit card company nor were they represented as a collections agent for Capital One, even though they say they are. Capital One confirmed that XXXX XXXX management is not the debt collector on this account. XXXX XXXX purchased this debt from Capital one and then sued me saying that I owed the money, even though I did not have any credit or an account with them. 
I went to court and explained the situation but the court said that even though they aren't the creditor and are not the collection agency for Capital One, hey have the right to sue me anyway. 
This was on XX/XX/2021. 
I have paperwork that shows that the amount that the court decided that I owe is {$2000.00} which is the amount that I owed Capital One. I have legal paperwork from the court that is notarized by the courts, which shows this amount. 
XXXX XXXX XXXX insists that I owe them {$2700.00} and that they are not honoring the agreement because no such agreement exists. They claim that the court awarded them {$2700.00}, even though the notarized paperwork says {$2000.00}. 
They are fraudulently trying to get me to pay more than I owe, and are constantly harassing me and threatening to sue me again for even more money plus court fees. They even hired the XXXX XXXX XXXX XXXX Department to serve me paperwork stating that I need to list all my assets that the XXXX XXXX Department would confiscate and surrender to XXXX XXXX XXXX.
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 and address fraud on their platform, leaving my account vunerable 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 havve caused significant inconvience and financial loss, and i seek appropriate redressfor these violations.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES  I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account :
Product: Bank account or service

In XXXX XXXX, XXXX, I opened an account with Huntington National Bank. I requested an account that do not charge any fees. Banker XXXX XXXX assured me the account he opened for me had not management fees involved. They provided me with their " Huntington Plus Checking Account '' which is free of charge. Since opening the account until XXXX XXXX no fees were charged. In XXXX XXXX, they started charging {$15.00} for checking accounts. I have not noticed the charge until XXXX XXXX. My account was charged {$160.00} in fees during the period between XXXX and XXXX XXXX. I approached a banker with last name XXXX at the XXXX XXXX XXXX XXXX branch ( XXXX ). She refunded {$40.00} but she said she needed authorization to refund the remaining {$120.00}. Then she modified the account and the fee was waived since XXXX XXXX. In XXXX XXXX, I asked her what happened with the additional refund. She told me that since the claim was that old, she was able to refund only {$40.00}. I need your assistance in this claim. The bank has not honored its promise and without notice, it starting charging the fee which I did not authorized. My account No. XXXX.