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

On XX/XX/21 I realized I lost my card after searching a several times.I call my bank to notify them and ask them to lock my card because I dont have access to my phone who is connect to my online banking account. 
On XX/XX/21 after consulting my bank account, I found out a lot of unauthorized transactions has been made on my card, so I call chime back to let them know about the issue. All the total amount was XXXX XXXX 
On the same day I received a statement of dispute form who I filled out and send back by email with all the information needed including the last transaction I did with my card. 
After waiting couple days, On XX/XX/21 I received an email from chime saying my claims has been denied based on them investigations .On they next day I requests for a copies of them investigations On XXXX XXXX XXXX I received an email with a copies of the investigations. 
After looking trough, I concluded that the didnt do any investigations base on the copies of documents that was attached on them investigations. As you can see on the documents the provided, there was a lot of transactions who has been made with the same card at the same times in different stores.how than can be possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX  XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. The XXXX XXXXXXXX XXXX XXXX account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( Debt Buyer ) -Accounts numbers are not consistent across credit reporting agencies. 
-Willful Noncompliance. 

Disputed Items : 1. XXXX XXXX XXXX  XXXX XXXX Account XXXX : # XXXX 2. XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX 3. Credit Reporting Resource Guidelines Page 10-1 Violation : Accounts that should be removed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I was received an offer from XXXX XXXX XXXX XXXX on behalf of Capital One Bank to pay off the debt in full in order to have the account removed from my credit report. i have attached a copy of the correspondence from XXXX XXXX XXXX XXXX on XX/XX/XXXX stating the account will be removed within 30 days however, the account balance was paid in full in XX/XX/XXXX.
Product: Mortgage

the mortgages that are with XXXX XXXX XXXX that are fraudulent have now been referred to Pioneer Credit for collection. 
I have asked this agency to cease and desist. 
All matters are now turned over to AZ State Banking, AZ Attorney General office, AZ Corporation Commission and XXXX complaint with Federal court, Audit of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that it looked like my personal data may have been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. XXXX, XXXX  XXXX {$0.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I received a 30  year mortgage from XXXX XXXX XXXXXXXX XXXX ( in XXXX, California ) for my home located at : XXXX XXXX XXXX ; XXXX, California ; XXXX which matches my address on my valid California Drivers License. 

In XXXX of XXXX, I received my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home located at : XXXX XXXX XXXX ; XXXX, California which matches my address on my valid California Drivers License. 

In XXXX of XXXX, I received my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home located at : XXXX XXXX XXXX ; XXXX, California which matches my address on my valid California Drivers License. 

In XXXX of XXXX, I received my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home located at : XXXX XXXX XXXX ; XXXX, California which matches my address on my valid California Drivers License. 

On XX/XX/XXXX, I opened up a " Savings '' account with a $ XXXX " deposit '' at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX California which is less than 6 miles west of my home located at : XXXX XXXX XXXX XXXX XXXX, California which matches my address on my valid California Drivers License. 

On XX/XX/XXXX, I received a envelope from XXXX XXXX XXXX located in XXXX XXXX, with a 'Date of Notice : XX/XX/XXXXXXXX  '' form letter that indicated ( please see " Attached '' scanned letter that is enclosed of it ) stating in effect that " Chex Systems XXXX Inc. XXXX a company that I have NEVER even heard of before XX/XX/XXXX provided FALSE information on me to XXXX  XXXX XXXX  which caused XXXX XXXX XXXX to " DISAPROVE '' my " Savings '' account with this fine bank and refunded me my $ XXXX with an enclosed money order. 

My State of California and my Federal consumer " DUE PROCESS '' rights have been violated by this " Chex Systems , Inc. '' ( company ) because they did NOT even give me any " SPECIFIC REASONS '' why about 2 weeks later my " Savings '' account was suddenly " DISAPROVED '' and closed out. I was born in XXXX, Texas and am a U.S. Citizens. And the above action is unlawful both at the State of California level as well as at the Federal level.
Product: Credit card or prepaid card

I have made a purchase on XX/XX/XXXX online from a seller that is outside the country in XXXX and paid XXXX dollars with my capital one card ending in XXXX The item did Not arrive so I submitted a dispute to the charge. Capital one gave me a Credit on XX/XX/XXXX. Then I received the watch which turned out to defective and a piece of junk. So capital one rebilled me XXXX dollars which was XXXX dollars more than what they credited me. I called capital one and sent them what documents they asked and told them that what I received is NOT as described and its a piece of junk not worth XXXX dollar and a defective watch. So then they gave me a credit for XXXX and that is XXXX dollars less than the charge. Then they rebilled me again in XXXX of XXXX and I called them back and gave them more documents so they credited me the rebilled amount on XX/XX/XXXX and the case was closed since its been more than 90 days since I disputed the charge .. case was CLOSED back in XXXX of XXXX and the dispute was over 4 months old. Now after 7 months of opening the dispute capital one card decides to rebill my account for XXXX dollars for NO reason. Its been 7 months that passed since I opened the dispute and the case was closed in XXXX after I was given a credit since the watch I received was NOT as described and I was scammed by the seller and the watch was defective and had NO value. Capital one should have NOT charged my account on XX/XX/XXXX for an old dispute that was 7 months old and closed a long time ago. This is Fraud by capital one and very shady business practice. I want my money back and I want capital one card to credit and refund my account for the XXXX dollars and the XXXX dollars that they overcharged me
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : $
Product: Credit card or prepaid card

My car was not even repaired he stated he refuses to do any business with me at all. Just because I made a complaint with the XXXX the attorney general office and the civil rights commission. XXXX took me for a ride. XXXX XXXX was part throwers. They was misleading. They was dishonest. They was ungodly. They was deceitful. They falsely misdiagnosed my car. First it was the coolant pump XXXX then the thermostat XXXX then the radiator XXXX everything they did on my vehicle did not fix the overheating problem. I gave them over XXXX dollars and My car is still not repaired and then to tell me to move my old car off their lot because we don't want to do business with you, after taking my hard-earned working money. I never told him to drop this complaint. If I have to get myself an XXXX attorney I will because I don't want this to happen to another woman in a lifetime. i sent all the proof to this credit card company to back up my excuse, and they closed out my case ... this is not fair and unjust Wed, XX/XX/XXXX, XXXXXXXX XXXX to me Ms. XXXX, As we have not heard from you, we are sending this follow up email to inform you that we request our loaner car be returned to us today XX/XX/XXXX by XXXX. If you have not complied with our request to return our loaner vehicle and arrange for transportation of your vehicle off our property, daily charges of {$75.00} per day will be accessed. We are not interested in doing any business with you at this time because we just heard you made a complaint with the XXXX. Per our email we sent you yesterday, we request you return our loaner car vehicle and transport your old vehicle off our property. We are requesting that you do this by XXXX today to avoid any daily charges for loaner vehicle.. 





XXXX XXXX XXXX Service Manager XXXX XXXX XXXX XXXX XXXX. 

XXXX Ohio XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX at XXXXXXXX XXXX Subject : XXXX XXXX To : XXXX XXXX Ms. XXXX, As we have not heard from you, we are sending this follow up email to inform you that we request our loaner car be returned to us today XX/XX/XXXX by XXXX. If you have not complied with our request to return our loaner vehicle and arranged for transportation of your vehicle off our property, daily charges of {$75.00} per day will be accessed. 



XXXX XXXX XXXX Service Manager XXXX XXXX XXXX XXXX XXXX. 

XXXX Ohio XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

Im filing a complaint against equifax for failing to properly investigate my disputes regarding innacuracies on my credit report. As a result of the failed investigation there is a severe decline in my equifax report over the course of a month with no recorded data stating the reasoning of the adjustments on my account. This practice violates the FCRA AND THE CFPA as highlighted in the recent administrative proceedings. I am requesting that the CFPB take action to ensure equifax complies with the federal law and provides me with the necessary documentation of investigations and alterations. The accounts ive listed as inaccurate are as follows : XXXX  XXXX bank XXXX reported balance of {$XXXX}, XXXX Bank reported at {$XXXX}, and XXXX XXXX at a reported {$XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

First time signing up for credit reporting in XX/XX/2021. 

Filed for fraudulent accounts on credit report. XX/XX/2021 Attempted to have credit locked down XX/XX/2021 Second attempt of having credit locked down XX/XX/2021 Third attempt of having credit locked down XX/XX/2021 Fourth attempt of having credit locked down XX/XX/2021 No help with credit monitoring account XX/XX/2021 from customer services Customer service would not help and take care of the negative inquiries reporting to your credit report even after sending two certified mailers to company from USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Chase credit card, in which I always pay on time, in the credit reports XXXX, XXXX and XXXX XXXX appear as negative status this Chase credit card because they have registered late payments on XX/XX/XXXX and on XX/XX/XXXX. 

I have this credit card since XX/XX/XXXX to present, and I never paid late. I do not know way the have this late payments register on the sistem
Product: Debt collection

I received a notice to my mothers house one day saying that Midland Credit Management was going to Garnish my wages. Ii am not sure why they sent this to my mothers home When i have not lived with my family for over 26 years. I have never acquired any debt this big for me to be sued. 
I have no idea what this company is sewing me for.
Product: Credit reporting or other personal consumer reports

Pursuant to the FCRA, it is EQUIFAX 's duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 2 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID ON TIME. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit card

Notice is hereby given to XXXX Goldman Sachs Bank, APPLE CARD that on or about XX/XX/XXXX, APPLE CARD CASE # XXXX was open without Plaintiff/Affiant 's consent or authorization, an individual engaged in identity theft and used Plaintiff/Affiant 's personal identifying information to open the Fraudulent Account with GS Bank, account number XXXX, dated opened on XX/XX/XXXX. 
Plaintiff/Affiant requests that GS Bank immediately close the Fraudulent Account and cease reporting it or any information relating to it to any consumer reporting agency. 
Notice is also hereby given to the major consumer reporting agencies, XXXX, XXXX, and XXXX, that on or about XX/XX/XXXX, without Plaintiff/Affiant 's consent or authorization, an individual engaged in identity theft and used Plaintiff/Affiant 's personal identifying information to open the Fraudulent Account. 
Plaintiff/Affiant requests that the consumer reporting agencies investigate the Fraudulent Account and any inquiries relating to it, and block any information regarding the Fraudulent Account from appearing in Plaintiff/Affiant 's consumer reports.

Plaintiff/Affiant 's personal identifying information, including but not limited name, address, date of birth, and Social Security number were compromised and used without consent to open the Fraudulent Account.

Plaintiff/Affiant certifies that they did not authorize the Fraudulent Account and is a victim of identity theft as defined by 15 USC 1681c-2 and 12 CFR 1022, Regulation V.
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX I was assigned to the XXXX XXXX XXXX XXXX ( XXXX ) - XXXX. During the time I was stationed in XXXX and lived in the Barracks I established an account with with XXXX and XXXX XXXX XXXX on U.S. Property. I received orders for reassignment to XXXX - XXXX XXXX in XXXX, XXXX in order to deploy to XXXX. The XXXX XXXX XXXX XXXX Community Center drafted and submitted an official letter to XXXX notifying them that I was placed on orders and will be terminating the agreement. In XXXX I began receiving collection notices and phone calls from several collection companies over the years as the debt was continually transferred from one US debt collection company to another. The debt does not belong to me because XXXX was notified that their services was no longer required but it appears that long after I was to XXXX and XXXX to XXXX, they continued to bill me for several years despite not using their service or even being in the country in which the service was established.
Product: Debt collection

The account listed by the collection agencies do not list what it is for. I have attached from there website if this is not handled properly and a timely manner, it must be deleted from all credit bureaus immediately. They have had the account since XX/XX/22 and nothing is showing up and Ive not been given the correct information in 10 months, For this reason it must be deleted immediately.
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : 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 reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital 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 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 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/2023 I was approved for a XXXX XXXX loan from lendyoucashXXXX I signed all necessary paperwork, and gave them all necessary account numbers and card numbers. I was told the loan would be deposited by XXXX! I called multiple times throughout the day to verify we were on the same page. They were very nice until XXXX When the money didnt arrive I tried to call the company and the phone number no longer worked.
Product: Payday loan, title loan, or personal loan

on XX/XX/2018 a pawn shop loan was made. I went in on the last day of grace XX/XX/2018 I extended the loan for another two weeks until XX/XX/2018. On XX/XX/2018 i returned back to the pawn shop to pay all that was owed and get my merchandise. I was perished to shown my TDL to pick up the merchandise, when in fact I offered to verbally give my TDL # that would have identify me because I had the original Pawn ticket with me. 

I did not have my TDL on my person, but I do know my TDL by memory. I was denied access to my property for not having the TDL. On my TEXAS PAWN AGREEMENT do not read that I am compel to show my TDL # but to present my TDL #. This has been an ongoing problem since. I submit a complaint to the TOCCC ( Texas Office of the Consumer Credit Commissioner ) I have only received the run-a -rounds. I will like to pay what I owe and get my Merchandise. 

Since, I was never informed about the Texas Financial Code regarding loans on goods, Cash America can not hold me responsible for knowing. The Texas Pawn Agreement I sign do not indicate I needed to know any more other than what I signed my name to. I have included a copy of the Pawn Ticket ( front and back ) and a copy of the complaint I submitted to the Texas Office of the Consumer Credit Commissioner.