23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Transfer from XXXX to XXXX was stopped. Fiserv is currently holding {$500.00} from me. This money has to be returned to my XXXX account. XXXX is also known as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I cancelled an internet service with XXXX XXXX ( I was not on any sort of contract at the time ) and switched my internet service to XXXX XXXX. I was instructed by XXXX XXXX to place my hardware that belonged to the company into a self addressed, postage paid box which would be mailed to me. Once the XXXX XXXX received the equipment from me then my service would be closed. I mailed the equipment off as instructed. 

In XXXX of 2022 I was surprised to find I was charged another full-month from XXXX XXXX for service that I had cancelled over a month prior. I contacted XXXX XXXX via phone and inquired about the charge of {$82.00} on XX/XX/2022 to my credit card. The customer service rep indicated that the equipment likely hadn't been processed yet and once the equipment is processed then the account would be updated and credited based on the cancellation effective date. I acknowledged that I understood and waited a few weeks for the credit to apply to my credit card but it never came. So I disputed the charge on my credit card and the credit card company conduced their own investigation and ruled in my favor and reversed the charge. 

XXXX XXXX XXXX again sent me a invoice for the {$82.00} and I again reached out to the company explaining what happened but the customer service basically said " the system says you owe charge so there isn't much I can do ''. 

This charge has been sent to XXXX and it is affecting my credit, which is otherwise stellar. I am disputing the validity of this charge and I'm seeking the assistance of CFPB to have this derogatory mark removed from my credit report. I have attempted to dispute this charge directly with XXXX XXXX and directly with XXXX to no avail. 

I will attempt to send a pdf file of my credit card statement from XXXX 2022 showing a charge for Spectrum Cable on XX/XX/2022 and a charge from XXXX XXXX  in XX/XX/2022. I wouldn't not have kept of paid for both services at the same time because once I had the Spectrum service installed. I called and cancelled the XXXX XXXX. I have no documentation of the cancellation because it was done via phone. I was unable to locate the UPS receipt I received from mailing the XXXX  equipment back but it was definitely sent back in a prompt manner.
Product: Credit reporting or other personal consumer reports

My federal student loan was XXXX due to XXXX XXXX XXXX  XXXX ( XXXX ) as of XX/XX/year>. I informed the credit bureaus Transunion, XXXX, XXXX and the loan servicer XXXX, and sent them all a copy of the XXXX Department of Education discharge letter. The credit bureau will not change the status of my student loan accounts and they will not close the accounts. They closed my disputes with no action. Totally ignored the evidence and request and gave no reason why the disputes were not resolved or honored.
Product: Debt collection

I have disputed this debt 10 or more times through the company and the credit bureaus, they continue to insist that the debts are mine, and not identity theft. I don't have the money to pay for these debts that are the result of identity theft, I have blemishes on my credit reports because of their refusal to remove them.
Product: Mortgage

Have been making payments every month, mortgage company said they never received a payment when I definitely made a payment for XXXX. I feel the company is using deceitful tactics and intentionally hurting my credit. This needs to be looked into as I am a 100 % XXXX veteran and feel preyed upon
Product: Credit reporting or other personal consumer reports

I have filed a previous complaint on this and Equifax has done nothing to remedy the problem and give me access to my Equifax credit report and considering they are in the midst of the settlement related to the Data Breach it gives me pause to think they are hiding my report and violating my consumer rights intentionally. Please direct them to give me access or i will consider legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/2024 Dear Sir/Madam, I am writing to dispute an error on my credit report. According to the report from [ XXXXExperian ] XXXX there is a 30-day late payment listed on my account with XXXX XXXX XXXX XXXX. However, I would like to bring to your attention that this information is inaccurate. 

On XX/XX/2024 I made a payment to my XXXX XXXX XXXX account # XXXX, and I have documentation to support this payment. I have attached a copy of the letter from XXXX XXXX XXXX XXXX confirming the error and stating that they have removed the 30-day late payment from my account. Accordingly, due to consumer 1681i. Procedure in case of disputed accuracy 1681e - Compliance procedures 1692g ( b ) Disputed debts - Validation of debts Instruction : Please remove inaccurate late payment. Account as paid on time.

I request that you investigate this matter and correct the inaccurate information on my credit report as soon as possible. Please provide me with written confirmation once the investigation is complete and the error has been rectified.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraudXXXX 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 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 reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$540.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

We have ongoing fraud on a business checking account. 

A total of {$24000.00} was withdrawn since XX/XX/XXXX. Chase bank has reversed {$11000.00}, but refuses to reverse the remaining {$13000.00}. 
A claim with Chase was made when the withdrawals were discovered on XX/XX/XXXX. 

One cfpb complaint ( XXXX ) was filed for {$10000.00} withdrawals in XXXX. 

This is an additional claim for two fraudulent withdrawals that Chase refuses to reverse based on their " company policy ''. 
XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$1500.00}. 
These withdrawals occured on the exact day of the first Chase fraud complaint, and one week earlier. 

This bank account was closed and reopened with a new account number. Today, XX/XX/XXXX, the chase system brought to our attention of two new possible fraud charges on the brand new account just opened on XX/XX/XXXX. They obviously did not stop the fraud as it occurred on the new account immediately. 

Chase has not protected our funds. 

The fraudulent vendor is listed as " XXXX XXXX ''. I spoke with their fraud department today. They have no record of the transactions what so ever. They stated Chase bank is the only one who can solve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I was given documents that showd i owed {$5000.00} for XXXX  gear ( worth {$100.00} ) from XXXX XXXX that I had just shy of 5 years ago.
Product: Credit reporting or other personal consumer reports

Please see the exhibits below. I have several accounts of which a tender of payment was tendered, with acceptance and credits applied to the account, with the account in a status, warranting a refund, of which only XXXX sent. XXXX, the account was reported paid and closed XX/XX/XXXX to XX/XX/XXXX. I actually sent several {$12000.00} payments, which they kept and processed, meaning they have double payments ( securities fraud ). There were never late payments on that account, being that payments automatically came out of my account and then the account was in a paid status. I have submitted reports to FTC, SEC, and FINRA against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} was sent and applied to the account, furthermore, XXXX {$8000.00} payments were sent and accepted and applied. XXXX, {$27000.00} tender of payment was sent, XXXX and XXXX to XXXX, and NO late payment ever occurred, that is false, and it was applied to the account, with a refund of {$1200.00}, and the account is now paid and in closed status. The lien release of the title was sent as well. XXXX, fraud was committed by them and XXXX XXXX XXXX the loan was originated. However, a tender of payment of {$13000.00} was sent and applied to the account, with a paid in full and no payment due status. A payment was tendered to the Investor, Fannie Mae, for the mortgage account with XXXX. XXXX  is NOT the lender, and was never the lender of that account. They committed mortgage fraud and misrepresentation of the origination of the loan, causing an imperfection. They have sold and traded the loan to third party investors, causing a break in the chain of documents. I sent a payment of {$160000.00} to the investor and the indentured trustee. I am NOT late on that account, and should be immediately removed. I have reported XXXX to FINRA, SEC, CFPB, and Congressional Inquiry for their fraud and racism. Also, all inquiries on my account made after XX/XX/XXXX are not authorized. I received several phone calls from merchants saying Experian, XXXX, and XXXX sold my information to them, and they processed my credit ( without my authorization ) to obtain a mortgage loan or refinance. ALL inquires need to be removed, they were NEVER authorized by me. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. Any other name is legal fraud. Please update my account accurately. If you refuse to update these accounts I will have to pursue legal remedy, and each violation will accrue a {$1500.00} per violation per month it keep reporting.
Product: Debt collection

In accordance with the Fair Credit Reporting act Halsted Financial Services 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 an account without my written instructions. 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature. 6. Please provide a complete account history, including any charges added for collection activity. 7.

Cease and desist as this is identity theft. For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX, FL Date Updated : XX/XX/2020
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 reporting or other personal consumer reports

I reached out to Transunion on XXXX occasions about removing a False late payment from XX/XX/2021 XXXX. Transunion said they removed the late payment but its still listed on my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX, XXXX, AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 reasonable procedures designed to ensure that each perio
dic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

Every time I call support they tell me I have to wait XXXX hours to use the card it happens after XXXX or XXXX uses after I verify that the charges are in fact mine I get a text saying all clear card is ready for use it's never having every text no matter how many times they verify me by phone and extensive verification of me and my wife not sufficient I still get texts with misinformation I call let them know and they said they doing it because of fraud prevention but never once as they sent me another card or anything to resolve this even after I made a {$500.00} payment from the same bank account that we always pay US Bank with. Now they have gone as far as far as restricting my online access so now I can't even see what is going on with my card or with any of my charges but they were quick to cash the {$500.00} payment even after another week to make XXXX purchases and then the car was blocked again they tell me they're going to call me XXXX or XXXX hours and never happens they always have an excuse I do not or no one answers the phone they never leave a message I called US Bank customer service and they're saying is the reason we're going through this because it's many calls as we've gotten from you well we wouldn't call that many times and they would stop misinformation. the card that is been verified and read it by and the payment even after trying to cancel the account they sent me to a US Bank that does not exist in Florida I asked them what's the next thing I can do is it wait for a call XXXX  call that never comes I'm tired of the lies I'm tired of running around and I'm tired of being treated like a criminal by them I never asked them for a bank card I dealt with State farm have paid of car loan never had a problem paying State farm even US Bank never was late all my payments don't appreciate their attitude and disregard for my credit or my wife we have excellent credit they have made our life impossible don't allow us to cancel the card don't allow us to use card but they do allow us to make payment they {$500.00} payment that was half what was owed without even being able to see the charges. We need help something has to be resolved again today yesterday the card was open used twice now the card is blocked again I am overwhelmed and I am out of ideas please help.
Product: Debt collection

An unauthorized account was created with XXXX using my email address and another email address of an unknown party. I am unaware of when the account was created but I was contacted XX/XX/XXXX by letter from a collection agency who purchased the account from XXXX. The account has a {$310.00} negative balance. I do not now nor have I ever ( to my knowledge ) had a XXXX account. 

XXXX has denied my claim of fraud/identity theft stating ( according to the collection agency ) that in XXXX I provided them with proof of identity which I did not. This was in the form of a copy of my passport which I have never shared with anyone except customs agents at airports. Copies of what was used to " prove my identity '' in XXXX were not provided to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I had registered the my vehicle to Alabama at which I no longer lived at the address thats reporting with XXXX XXXXXXXX XXXX XXXX For The XXXX XXXXXXXX XXXX XXXX my drivers license and registration attached to that vehicle at that time is XXXX XXXX XXXX XXXX XXXX, Alabama.