23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a credit card account holder with Chase. My card card account was compromised ( fraud ) by a company named XXXX XXXX XXXX with a listed address XXXX, NY XXXX and a phone number of XXXX ( on my account statement ). It unlawfully charged my credit card for {$14.00} on XXXX/XXXX/XXXX and it posed on XXXX/XXXX/XXXX. The Company appears to be a music streaming service. When I researched the company, on one site, I saw that several ( probably thousands easily if you multiply account holders that do n't check their statements ) Chase account holders have been victims since XX/XX/XXXX. On website showed similar fraud dating back to XX/XX/XXXX and several in XX/XX/XXXX. I called Chase customer service and spoke with their Fraud division on XXXX XXXX, XXXX. 
After they agreed to remove the charge, I asked the fraud dept. rep. why they did not contact their customers to advise them their cards were compromised and was advised an investigation is ongoing. I again asked if it made sense to alert customers that their personal information has been compromised ( possibly via a data breach ) or contact law enforcement and was told the investigation is ongoing. While they spend years investigating, people are becoming victims of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncrony Bank/Paypal calculates starting balance incorrectly on bills then charges incorrect interest rates then harms credit rating of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to discuss a financial hardship and to question a large charge of {$1500.00} on the account. I was told there was nothing they can to do help but will escalate my inquiry and get back to me within 48 hours. Within that timeframe, not only did I not receive a call back regarding my concerns but they reported me late to the credit bureau and my score was dramatically impacted. I request my account be reviewed under the circumstances of my financial loss of significant income.
Product: Payday loan, title loan, or personal loan

In Regards to ACCOUNT # : XXXX. 

This company is reporting inaccurate information to the credit bureau XXXX I have reached out several times to get this matter resolved with the creditor itself. I was informed yesterday that I needed to dispute the information with the credit bureau rather than the creditor because the creditor didn't have time to update all of the customers accounts with this issue as they have cut ties with XXXX as of XX/XX/XXXX. I have tried disputing this information with the branch several times prior to XX/XX/XXXX contact with the branch. 

According to the FCRA the creditor is to report accurate information to the credit bureau if they report misleading information then it violates the FCRA. Granted if the creditor stopped using XXXX as a reporting agency it should have deleted all customer tradeline 's from that Bureau. Not advise the customer that it is there responsibility to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Requesting a Method of Validation Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX - This information reported by this agency doesnt match the data on the previous report and has this listed as a new debt as of XX/XX/2020 which is also illegal. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX Please include all names and contact information of employees that you spoke to at XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,
Product: Credit reporting or other personal consumer reports

I have been making my payments for years. I then entered a payment plan after losing my job due to restructure. I then was paying monthly as needed. They then wouldnt accept my payment online in XXXX. I attempted to contact them and was constnstly ignored or disconnected. I again attempted to contact once they called saying I was past due. I requested the information to show how XXXX past due and showed them my account sent them the money. Multiple representatives told me they didnt know what was going on or how to find out, then proceeded to harass me for a substantial payment of months I already paid in excess of XXXX. They continued to harass me for payment refusing to even look into it. They only told me to pay them for the months already paid again. I asked for them to send me payment information and they refused. I asked for them to escalate and research it. They refused. I have screen shots of the later conversations. They told me twice a supervisor would call which they didnt. 
I still dont know what happened to my payments and have since been aggressively paying them down. 
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$XXXX} Balance updated XX/XX/XXXX Recent payment {$XXXX} as of XX/XX/XXXX Monthly payment {$XXXX} Original balance {$XXXX} Highest balance - Terms XXXX  Months Balance history XX/XX/XXXX {$XXXX} Balance {$XXXX} Schedule payment {$XXXX} Paid on XX/XX/XXXX XX/XX/XXXX {$XXXX} Balance {$XXXX} Schedule payment {$XXXX} Paid on XX/XX/XXXX XX/XX/XXXX {$XXXX  Balance {$XXXX0} Schedule payment {$XXXX} Paid on XX/XX/XXXX XX/XX/XXXX {$XXXX0} Balance {$XXXX} Schedule payment {$XXXX0} Paid on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX. 
Account # : XXXX XXXX XXXX XXXX Account # : XXXX These Company is violating my rights According to the FCRA laws. I Request documents in my dispute. I didnt ask for the account to be verified I tried to Request multiple times to get documents so I can verify if the debt is mines. Experian failed to send Documents following their Investigation. It is a violation of the FCRA laws ( u.s.c 15 1681s-2 ( A ) ( 1 ) ( A ) And ( B ) to report inaccurate information on my credit report. Delete/Remove Accounts immediately.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX days 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 periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  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 XXXX
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 {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXX XXXX XXXX XXXX XXXX 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 have sent in the necessary documents to Transunion credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today XXXX XXXX XXXX XXXX ET, that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Transunion 's fraud department under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain.

Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, immediately.
Product: Credit card or prepaid card

They closed my account saying they couldnt verify personal information. I dont know what it was but I think it was something to do with the 4506-c form. I signed it but I dont know what information couldnt be verified i would gladly verify as I want my discover credit account reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX  Account number XXXX XXXX. XXXX XXXX  Account number XXXX XXXX. XXXX XXXX Account number XXXX XXXX. XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account number 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I had an application for Chase Freedom Unlimited card submitted around XX/XX/2024. 
Every time I looked up the status, it would tell me to please wait x number of days while my application is being processed. 
I also sent in a message asking them about my app status and they replied back with generic answers and to wait however many days before trying again. 
I checked a couple times a week and now it is XX/XX/XXXX, and the same automated line that was giving me my application status now automatically led me to speak with a live person. 
They told me my application has now expired due to time. They also said if I had spoken to a person instead of the automated system, they could have told me that my application was declined and worked on the reconsideration, but now it is too late. 
I then asked for the reason why it was declined. 
They told me that my decline reason was that I had more than 5 credit cards opened in the last 2 years, which is a known " rule '' of Chase and is also not true. When I told them that I believe that is not true, they told me that I can reapply and try to see if I get declined for the same reason again.
Product: Credit card or prepaid card

Per the attached document I filed a complaint with Capital One 's leadership and XX/XX/2019 as follow. Thus far, all parties have been an unwillingness and lack of common courtesy to provide any service as it relates to my complaint. 

I contacted Capital One customer service on XX/XX/2019 do to these unethical acts and was told that I would be obtaining a letter within five to seven business days as it related to my concerns outlined in attached complaint. 

Several weeks had past and I still had not received a response regarding my complaint. Therefore, I contacted Capital One again on XX/XX/2019. I spoke with a supervisor and explained the situation and forewarn that I were in the process of filing a complaint with the CFPB due to the failure of Capital One to address my prejudicial treatment complaint. 
I was assure that I would be obtaining a call the following day. 

A couple of days past and I still had not received a call or response. I again contacted Capital One on XX/XX/2019 and was meant with additional prejudicial treatment. During my interaction with XXXX # XXXX after verifying my information through the automatic system and providing him my first and last name ; he arbitrarily declined to provide assistance. On numerous occasions I requested what was Capital One 's policy as it related to the matter and told him that he was engaging in discriminatory practices by refusing to assist me after I had already provided the last four of my social security and card number along with first and last name. XXXX # XXXX conduct was so absurd that I requested to speak with a manager. Subsequently I spoke with XXXX # XXXX who indicated that I had already provided verifying information and I did not have to provide additional information as demanded by XXXX. XXXX assured me that he would take action, however as it related to my concerns XXXX was unhelpful. 

The level of treatment I have obtained from Capital One is unreasonable and in the sake of customer service, no client should have to file a complaint with the CFPB for their complaints to be looked into in a fair and equitable manner.
Product: Money transfer, virtual currency, or money service

STATEMENT OF IDENTITY THEFT AND FRAUD Statement of Computer fraud and identity theft for Suspicious transactions debit to Account No XXXX I am writing a statement of computer fraud and identity theft dispute a debit of {$2000.00} to my bank checking account XXXX on XX/XX/XXXX. I wish to bring to your attention that of {$2000.00} has been debited from my account in a transaction not executed by me. On XXXX at XXXX AM ( see attached 1 ). I received a text that shows that Im having a debit withdrawal of {$2000.00} from my account. After receiving this text from Chase Bank, I called XXXX ( see attached 2 ), and stated that I did not make this transaction and I did not authorize the debit from my account. Im disputing this debit on my account in the of amount {$2000.00} and I am stating that I am a victim of computer fraud and identity theft. 
I am providing you with the following documentation which is the detailed chronological list of events of what happened on this day XX/XX/XXXX. 

ACTION CHASE BANK INITATED : XXXX at XXXX XXXX  Chase text me that a XXXX payment for XXXX XXXX was debited from my bank checking account XXXX on XX/XX/XXXX ( see attached 1 ) Chase Bank erroneously debit the suspicious transactions to new bank checking account XXXX Chase Bank didnt initiate anything but a text. no help or preventative action to prevent this suspicious transaction resulting in a loss of {$2000.00} from my checking account ACTION XXXX XXXX INITATED : After receiving this text XXXX at XXXX XXXX  Chase texted a XXXX payment for XXXX XXXX was being debited from my bank checking account XXXX on XX/XX/XXXX ( see attached 1 ). I called Chase Bank at XXXX ( see attached 2 ) after over fifty-eight ( 58 minutes ) with Chase bank personnel , I stated that I received the text as in the attachment 1. I reported the suspicious transactions on bank checking account XXXX to Chase Bank, and I stated I did not make this transaction and I did not authorize the debit from my account. Im disputing this debit on my account in the of amount {$2000.00} and that I am a victim computer fraud and identity theft. 

XXXX XXXX proceeds to the Chase Bank at XXXX XXXX XXXX XXXX XXXX, LA XXXX and spoke to XXXX XXXX XXXX ID : XXXX on XXXX and explain what happen to bank checking account XXXX. 

XXXX XXXX requested that Chase compromised checking account ending XXXX and saving account ending XXXX be closed and create replacement accounts on XX/XX/XXXX at Chase Bank at XXXX XXXX XXXX XXXX XXXX, LA XXXX. See attached 3 for the customer receipt dated XX/XX/XXXX XXXX XXXX took further steps to protect his Chase accounts in the future. 
Updated XXXX  and installed XXXX XXXX for Home and Business software and installed XXXX - XXXX XXXX XXXX to personal computers operating system change username and password Login to Chase account and change username and password. 
Login to email account and change username and password. 
Cancel Chase XXXX Account I have reported the events described in this document to the police or other law enforcement agency. XXXX XXXX Police Department XXXX XXXX report is attached.
Product: Credit reporting

I am trying to review a account in which I am a authorized user and am not liable for the account, no one will will help me without a account number, I do not have that information. They keep hanging up on me