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

I carry a Chase Freedom Unlimited credit card and I noticed two suspicious charges to the same merchant in XX/XX/XXXX which I promptly disputed with Chase. The merchant name is XXXX XXXX XXXX XXXX ( in XXXX Oklahoma ). The transactions were {$6100.00} on XX/XX/XXXX and {$570.00} on XX/XX/XXXX. I recently received a letter from Chase dated XX/XX/XXXX ( yes, two months after the dispute ) that these charges were reinstated to my account with the reason being " You received benefit from this transaction. '' I have not attempted to contact the merchant to resolve b/c I presumed Chase would perform their due diligence under the cardholder agreement and properly resolve the dispute, but that has not been the case. I haven't been to Oklahoma in a quarter of a century, nor have I browsed this merchant 's website or submitted an order by phone, and I certainly have not received any merchandise from them. I have been a Chase customer for 16 years and have been faithful and honest in all my transactions and it is very upsetting that they would not at least contact me during their so called investigation of the dispute to discuss the transactions. I submitted a simple one page form on XX/XX/XXXX providing Chase a brief description of the dispute but heard nothing from them subsequent to that form being emailed to them. There's no doubt that these charges are fraudulent and I'm at my wits end with getting them resolved through Chase, who should be primarily responsible for protecting the account. Chase has not provided any evidence supporting their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently : - XXXX XXXX XXXX for {$7600.00} - XXXX XXXX XXXX for {$1200.00} - XXXX XXXX for {$1100.00} - XXXX  XXXX   XXXX  for {$1100.00} - XXXX XXXX XXXX for {$830.00} - XXXX XXXX for {$260.00} - XXXX XXXX for {$210.00}
Product: Debt collection

Receivables management systems keeps trying to collect a debt for XXXX XXXX that I dont owe, the policy was canceled on time and there were NO premiums due they put this against my credit without even verifying if its owed, I called them several times and told them there is no money owed but they just ignore you and keep harassing please fix this before I sue this company
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied a mortgage loan with XXXX due to credit score inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had gotten a auto loan with XXXX XXXX in XX/XX/XXXX, and They did repo the vehicle in XX/XX/XXXX for failure to pay. But I have constantly tried to get this company to correct info on my XXXX Credit report where they are stating the account is : 1- Still Open 2- In Collections, Which no one has ever contacted me about this account, 3- Charge-off By this account still showing as open, car dealerships say, it is hard to give me a loan etc. How one account can be listing so many different things I do not know, It should be a Charge-off and closed account etc not all 3..

This is how it was listed in XX/XX/XXXX and still listed as of this complaint, XXXX say they can not change it, etc I feel this is now being intentionally done, This company is very hard to communicate with,
Product: Checking or savings account

Old National Bank took over First Midwest Bank earlier in the month. I have literally spend 2-3 hours on hold. Customer service does not exist. Today 's hold as of now XXXX hour and XXXX minutes! My XXXX account was put on hold. I am unable to pay for my kids housing at college, due tomorrow! All three will now be late and I will be penalized. I went to local branch to resolve, the manager could not??? I have NEVER talked with any customer service person at Old National Bank. It is now approaching XXXX and I see they close at XXXX.
Product: Payday loan, title loan, or personal loan

Hi my identity was stolen recently and the thief used my Zip.co account to make over {$600.00} in unauthorized purchases and the company is currently charging me recurring payments for these fraudulent purchases with the next payment due on XX/XX/2023. 

Zip.co has reference numbers for each transaction the thief made using my identity. 

The reference number for the first line of credit is XXXX, the amount is for {$210.00} and the store this credit was used in was XXXX Store XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX VA XXXX 

The reference number for the second line of credit is XXXX, the amount is for {$220.00} and the store it was used in was XXXX XXXX XXXX XXXX XXXX also on XXXX XXXX XXXX in XXXX. 

The reference number for the third line of credit is XXXX, the amount was for {$200.00}, and was an online purchase on a website Zip.co describes as " XXXX XXXX 

This complaint is related to the one I filed against XXXX on XX/XX/XXXX, ID # XXXX. My XXXX credit card was the card on file for Zip.co. 

I've also filed a police report in XXXX XXXX VA where the fraudulent purchases occured. You can follow up with XXXX XXXX XXXX at XXXX regarding report # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 

I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are attempting to get a refinancing loan for our house. Our lender contacted us to inform us of a problem. Two of the credit reporting agencies are reporting my information correctly. Equifax is saying that I have no credit file with them. Our lender gave me the name of the person showing up on the credit report that they received using my SS #. The name is that of my deceased brother. My brother and I have very similar names ( I kept my maiden name ) and our SS # are exactly the same except for the last two digits. So Equifax has my SS # in their system, my credit info ( house loan, car loan, credit card info ), but all that info is under my dead brother 's name. As I explained to Equifax, since my brother died over 8 years ago, it is impossible for him to have taken out a car loan four years ago, as well as opened a new credit card within the last few years, much less be making payments on all of this. Incidentally, my credit score is very good. Equifax 's mistake in creating a mixed account between my brother and me and is causing me to not to be able to refinance my house loan -- the locked in rate is only good for another 2 weeks and it is the only info that our lender is waiting on.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX submitted a total loss payment to XXXX XXXX for a XXXX XXXX XXXX that was XXXX XXXX XXXX when I purchased the vehicle and it had over XXXX miles at the time of purchase. Contracts and proof attached. 

Considering the lawsuits pending against XXXX XXXX, TOTAL LOSS from INSURANCE, and the predatory lending of 22.99 % for 5 years on a XXXX car at the time of purchase, I am requesting that credit acceptance REMOVE and DELETE the 180 DAY LATE Payments and other adverse payments from ALL THREE CREDIT REPORTS. 

Since the beginning of the loan in XX/XX/XXXX, I was never late on the car payments. Negative credit reporting started after the total loss of the car. 

The car was involved in an accident in XXXX of XXXX and instead of XXXX XXXX  reporting this correctly, they have reported 180 day late payments for ALMOST TWO YEARS affecting my ability to obtain credit in an already increasing high economy. This is unfair to me as the car was deemed a total loss, and XXXX XXXX CHARGED ME {$12000.00} in APR charges or interest, which is more than double the price of the vehicle. Contract attached. 

The reason a balance was remaining was due to the 22.99 % interest rate and the sticker price of {$8500.00} on the car, which seemed to be overstated because the car had over XXXX miles on it at the time of purchase and was already XXXX years old. Please assist because I am like many other consumers who are just trying to pay our bills on limited incomes from day-to-day and encountering large conglomerates who take advantage of marginalized communities. Thank you for your help as I really need your assistance.
Product: Debt collection

I have disputed this debt with the school and debt collector and they are still reporting it on my credit report. The documentation they provide to support billing is not only confusing but it also lists a statement date that covers the year XXXX in the top right corner and I did not attend until XXXX. 

XXXX is showing loan disbursement amounts totals of {$3600.00} disbursed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX  XXXX XXXX is showing loan disbursement totals of {$3600.00} disbursed on XX/XX/XXXX and XX/XX/XXXX. 
There is also a discrepancy with the statement indicating that it covers Winter Quarter XXXX at the top right. 

Please remove this from my credit report as this debt does not appear to be mine. 
I have attached copies of my loan details as supporting documentation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their continued reporting of an account from XXXX XXXX  that does not belong to me. Despite submitting substantial evidence, including an FTC Identity Theft Report and a police report from the XXXX XXXX Sheriff 's Department ( Report Number : XXXX XXXX ), Experian has chosen to reinstate this account based solely on the creditors certification. 

Experian 's reinstatement of this account violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c-2 ( a ) : This section mandates that credit reporting agencies must block information resulting from identity theft upon receipt of an identity theft report. My reports clearly demonstrate that this account was fraudulently opened in my name. Both XXXX and XXXX have already removed this account from my credit report. 
15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : This section requires a reasonable reinvestigation of disputed information. It is unacceptable that Experian continues to prioritize the creditors claims over the extensive documentation I have provided, including official reports. 
Experian 's refusal to properly address this matter is causing significant harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau intervene to ensure that : The XXXX XXXX  account is immediately removed from my Experian credit report. 
Experian ceases any further attempts to reinsert this disputed account without a thorough and impartial review of all the evidence provided. 
Experian complies fully with all FCRA requirements in handling this and any future disputes. 
Thank you for your prompt attention to this matter.
Product: Credit reporting

There are a couple items which are unknown and no verification exist and they appear to be outdated also. I disputed and requested validation and nothing was provided. Please help resolve this matter. 
XXXX XXXX # XXXX XXXX account and unknownCredit Protection XXXX Unknown and outdated
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to a 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 there platform, leaving my account vulnerable and unprotected. Furthermore there 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

Failure to Investigate Disputes and Provide Procedure Descriptions Subject : Experian 's Non-Compliance with FCRA in Handling My Credit Report Disputes Complaint : I am writing to file a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Details : Failure to Investigate Disputes : On XX/XX/year> I submitted a formal dispute to Experian regarding inaccuracies in my credit report. Despite providing all necessary documentation, Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Lack of Procedure Description : Following the inadequate investigation, I requested a description of the
procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian did not provide this description within the 15-day timeframe mandated by the FCRA. 

Disputed Accounts on my consumer report : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 issues with XXXX XXXX XXXX XXXX : 1 ) I secured a deferment for account XXXX in XXXX of XX/XX/XXXXto ensure that i would be caught up and not 30 days late. However, looking at my report, it appears that i was dinged in XX/XX/XXXX for being 30 days late. This error needs to be corrected as my credit score is dinged because of this late mark.

2 ) Account XXXXXXXX is over 7 years and needs to be removed from the Adverse Accounts on my Credit Reports. The Date of First Delinquency on some credit reports is XX/XX/XXXX and others is XX/XX/XXXX. I can not find a complete list of payments for this account and believe a delinquency occurred earlier. Since XXXX XXXX hides the payment information, i can not find a complete picture on any credit monitoring system. The credit report data i have seen only goes toXX/XX/XXXX In order, to be able to manage my credit i need a complete picture of all payments - that is from XX/XX/XXXX thru XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

With XXXX XXXX, it is saying I dispute my credit report after resolution, when I dont. So now I have to dispute that I dont dispute the report - excepting the comment that I do dispute the report. This sounds like a very bad riddle. XXXX XXXX should do the right thing, and remove inaccurate commentary. Nothing else is disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance who was just recently sued by the CFPB for predatory lending as they gave loans they were aware car buyers could not afford & brokered with dealerships to hide higher than advertised interest rates by adding it in the price of the vehicles sold. Credit Acceptance is currently showing my account as closed as of XXXX but yet has a current balance of {$8600.00}. I want this deleted of my report for inaccurate reporting under FCRA as all information reported must be 100 % accurate, as part of their settlement Credit Acceptance is required to make those affected whole. Please remove from my credit report ASAP. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on my credit reports. Please send only the original contract with my signature on it that you have on file for the account listed above.

1. Please show how it was verified 2. Who verifies it?

3. Who validated?

4. How did you validate the alleged debt?

5.. The dates open and closed are different.

6. The account balances are different, who verified these?

Please provide answers to all, if you can not provide you are in violation of UCC 3-302 Holder of due Course.

Which means you are committing fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently applied for a car loan and was denied and i realize that i had accounts that was open NOT BE ME I called the companies and explain that i had no acknowledgement of such debt that they claimed I owe i asked for method of verification with my wet signature In blue ink none of these company could provide that information Please be aware that all negative remarks found on my credit report is a violation of ther FCRA and FDCRA when you can not furnish the validity of the remarks Please i ask XXXX AND EQUIFAX AND XXXX to please remove from my consumer report with in 5 business days Radius global Pro collect Credit bureau Credit management These company willing know that I asked for my signature and couldn't provide
Product: Credit reporting or other personal consumer reports

I AM HIGHLY DISAPPOINTED THAT THESE FRAUDULENT ACCOUNTS ARE STILL REPORTING ON MY REPORT. AS YOU ALL CAN SEE I HAVE ATTEMPTED TO GET THESE ACCOUNTS REMOVED AS I AM A VICTIM OF THE XXXX AND XXXX BREACH. THIS IS VIOLATING MY CONSUMER RIGHTS PER FCRA LAW. I HAVE ALSO FILED A FTC REPORT TO LET YOU ALL KNOW THAT I AM AND IDENTITY THEFT VICTIM. THIS HAVE PREVENTED ME FROM BUYING A HOME AND ITS ALSO A DEFAMATION OF CHARACTER. AS AN CREDIT REPORTING AGENCY, YOU SHOULD BE PROTECTING MY INFORMATION AT ALL COST. PLEASE REMOVE THESE FRAUDUALENT ITEMS SO I WILL NO LONGER GO THROUGH EMOTIONAL AND FINANCIAL STRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is report is showing bankruptcy that do not belong to me that are saying that the information is verified through the bankruptcy court but that information is not factual and they are sharing my personal information and credit reports without my consent to XXXX, Trans Union and XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE RENTED A APARTMENT IN MY GOOD NAME USING MY ID FRAUDULENTLY, FTC REPORT ATTACHED. AT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Back in 2015 I reported my car being broken into, wallet was among my personal belongings that was taken it include a fee debit cards n credit cards, social security card, driver 's licenses, a accordion that held my birth certificate pay stubs prior year income tax returns and utility Bill 's. The reason why all this documents were in my car because I had a employment interview the day before and had left my items overnight in my car. I immediately filed a police report, and since then auto loans, new bank accounts, credit cards have been made in my name and thousands of DOLLARS have been borrowed or used to make purchases in credit with my identity. I have contacted the Merchant like Bank of America, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and hundreds more that shows in XXXX XXXX XXXX XXXX XXXX and many other systems that I'm a high risk and that these accounts were used fraudulently by me. I contact these merchants on more then one occasions in person, via email, and telephone and the end result is that they belong to me and I have to settle the debt and now that I would like to open a checking account, make a major purchase or obtain credit I'm denied by all banks and lenders stating that I'm a high risk or don't meet the criteria because of what these merchants have stated on my credit report.
Product: Credit reporting or other personal consumer reports

I had no knowledge of this account and wish it be removed
Product: Money transfer, virtual currency, or money service

Called to report a scam that was done for the amount of XXXX $ via Zelle. I was informed that XXXX XXXX XXXX would look into it and refund me my money. Money was never refunded due to it being sent by Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. My request for the removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXXXXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX  Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS THAT ARE STILL REPORTING ON MY ACCOUNT. 
XXXX XXXX XXXX ***** Opened XXXX XXXXXXXX XXXX Balance {$0.00} XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX ***** XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX ***** Opened XXXX XXXX , XXXX Balance {$0.00} XXXX XXXX XXXX ***** Opened XXXX XXXX XXXX XXXX Balance {$0.00}