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

Chime Dispute Claim ID : XXXX XXXX XXXX XXXX I authorized a one time payment using my chime account via XXXX XXXX XXXX XXXX XXXX for the dollar amount of {$300.00} for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After NEVER receiving the item no tracking information and no contact from the merchant I filed a claim with chime for the total of {$300.00} Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Chime has denied my claim 2 times sending me emails stating Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime Disputes Team I have filed a police report and provided the police report number to chime where chime states they never received the documents however upon sending the police report number chime sent me a email stating documents received. 
I also have the police report information directly to the chime support member that answered the phone. 

Police Report number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reopening my claim within less then XXXX hours chime has closed my case and sent the email stating Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed I have provided ample proof and documentation that I NEVER received the product and was scammed & chime is refusing to refund my money and has yet to send me the documents used to come to a conclusion to deny my claim. 

I have filed a complaint with XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the evening of Wednesday XX/XX/XXXX, my personal PC notified me that there was an infection. My computer was slow sluggish with multiple processes active that I had no idea about. The infection allowed remote control of my pc. I did my very best to use whatever software I had to help clean the infection over the next few days days. 

On Thursday XX/XX/XXXX, my personal email address that I use for multiple account was flooded with thousands of emails per hour. This was a red flag. 

Also on XX/XX/XXXX, my XXXX account was compromised and there were 2 orders placed that were unauthorized as claimed by XXXX. 1 was a a gift card for {$50.00} to an unknown person and email address. The other was an item purchase ( {$34.00} ) that was sent to myself as a cover up. XXXX has addressed the item for {$39.00} claiming it was unauthorized but not the purchase of the gift card. This all was discovered that night. 

Also on XX/XX/XXXX, my Chase account was accessed and sent a {$500.00} quickpay transaction and tried to spoof it according to my 2 other quickpay historical transactions. I send money on rare occasions to my fiance. The hacker used the same name but instead of sending it to her email ( linked to her chase account ) like I typically do, it was sent to a random phone number. 
I noticed the transaction with an alaert on Sunday XX/XX/2019. Chase took immediate action, refunded my money and investigated. 

I had a fresh install of XXXX on XX/XX/XXXX to remove any last traces of an infection. 

On today XX/XX/19 I discovered that Chase did a reversal of the money and withdrew that {$500.00} back out of my account. At no time did a Chase representative call me to ask me my story during their investigation. I went to a branch to see what they could do. They claimed that the transaction came from my same IP address. This would make sense seeing as my computer had been compromised and remotely accessed. 

What Chase is not considering is that the hacker had access to my computer and made transaction while I was not at it. I will ask them for times associated with the transaction and will use my XXXX location history to prove I was not indeed at my computer at those times. 

I am in the middle of submitting a reclaim with chase and providing documentation to support it. 

I have since increased my security, changed all my passwords, had chase issue a debit card and put XXXX security on all my accounts.
Product: Credit reporting or other personal consumer reports

I called Equifax to report my accounts being fraudulent because of having identity theft issues as well as numerous data breach issues. I also stated they had 4 days to clear this up and report to me. I was told numerous times by the representative on the phone it will take more than 30days and it will never take 4 days and that I have to do all accounts on my credit account not just certain ones! The representative also stated that they have never done a 4 days investigation. So we went through my accounts and I said the ones that weren't fraud were department of education they were just involved in the data breach and the one I had already went to court the representative said no we have to file fraud and data breach for all of them. The representative said there was no code 605b for 4 days the conf number I received was XXXX and I have not received any notice regarding the conclusion of the investigation. I am including the fraud report I filled out for the accounts and was to show it anytime I had fraud and my data breach was already from them as they included.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 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 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Product: Money transfer, virtual currency, or money service

I have been using Coinbase for 7-8 months now, and have had no issues. In XXXX, I wanted to withdraw my funds from the " Vaults '' that I had created in Coinbase. I have about {$3000.00} worth of digital currencies sitting in Coinbase and I felt like it was a good time to take the funds out of a public exchange. 

However, I realized that I don't have access to the secondary email account that I needed to use in order to confirm the withdrawal. I have opened multiple support cases, and the last time I heard back on XX/XX/XXXX ( writing this on XX/XX/ ) I was told that a specialist was on the case and that I'd hear back soon. They have since stopped responding to support emails and their phone support never seems to be able to answer the phone. I saw on XXXX that this was a good place to turn as a last resort. 

Main support case is Case # XXXX but I have also opened Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXUNIVERSIT XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$0.00} XXXX CARD  XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ''
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED 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: Debt collection

I have disputed a debt that is from XXXX XXXX in the amount of {$2300.00}. I have disputed this debt numerous times letting them know that this is fraud. This account is very old and they keep restarting the debt over and over. The collection agency that has the debt now is Jefferson Capital Systems. I have never talked to them personally but I have disputed this debt through XXXX  and XXXX. I never had XXXX service and I do not owe this amount.
Product: Credit reporting or other personal consumer reports

After numerous attempts through the years I've requested that XXXX, Equifax and XXXX remove these fraudulent names and addresses from my credit report and they refuse to remove, I've been a victim of fraudulent activity on my credit report.
Product: Mortgage

I initially had my home loan with XXXX XXXX XXXX XXXX who never had any trouble assessing property tax. My loan is impounded so the tax should be collected each month. They did not require money from me at the end of the year and in fact I received an escrow check. When the loan was purchased by Penny Mac they could see what I paid in property tax. Last year they asked for money to cover a shortage and if I could not do this they would spread the amount over the next 12 months. This results in me paying more interest on a loan that will each year have a higher payment because they either can not figure out property tax or are purposely engaging in unethical business practices. I have spoken with them before about this as well as emailed them last year. I as a single consumer can not fight an unethical or incompetent company please advocate for me as I am on a fixed budget. My sole income is XXXX and this company infuriates me and causes me unneeded worry. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm trying to buy a house and I saw all these hard inquiries on my credit report 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  According to the 15 USC 1681 Law there should not be any damages on my report
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. 
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information on my XXXX and TransUnion Credit report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

XX/XX/XXXX, SunTrust Bank send me copy of application that look like a forgery signature. A copy of application is hearsay. Hearsay are not allowed to use in court room. I will like to set a day for us to meet in person in XXXX, Florida on any day of the month of XX/XX/XXXX. I want to have expert handwriting to look at the original application with wet ink signature that you claim is mine. If you do not pick a date to meet in XX/XX/XXXX, I  will assume that SunTrust Bank is trying to collect money from me by using a forgery signature.
Product: Debt collection

Oxford Law , LLC. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX, Fax : ( XXXX ) XXXX, Toll Free : XXXX - XXXX. 

Keeps calling me XXXX times a day, and calls my place of employment XXXX to XXXX times daily. I 've already been warned by my employer to stop these harassing phone calls. I 've told the above mentioned company to stop calling me. Company has not stop but has gotten more aggressive with their tactics including talking inappropriately. This company is causing me many problems and are putting my livelihood at risk. This company needs to immediately stop all communication with me or anyone in link to me.
Product: Credit reporting or other personal consumer reports

I was promised to be helped with getting an auto loan for a Vehicle. Ive never received the vehicle but the loan has been taken out in my name. The other accounts & inquires that were made were not of my knowledge as well to. I am not aware of the suspect that is stealing my information & using against me.
Product: Credit card or prepaid card

Credit Card was hacked originally and Barclay would not resolve the issue. I chose to pay off the card and close the account. I paid {$800.00} on XX/XX/XXXX. Another payment of XXXX on XX/XX/XXXX. And then got notified that there was still a balance on the card of XXXX. That was paid off on XX/XX/XXXX and i requested that the account be closed at that time. I was working on getting a loan approved and was informed that the account was showing in collections. I reached out to Barclay and found that they had put my account in collections over a charge of XXXX that was on XX/XX/XXXX. This was almost an entire year after the account was requested to be closed. I dont have the card and did not make this purchase. I called Barclay and even offered to pay off the account, even though this was not my charge. I was told by Barclay that we would have to mail in a payment of XXXX to Card Services in XXXX and that they could not take the payment over the phone. I have never payed this card late or missed a payment on this account until the charge after the account was to be closed. I also had this card setup on autodraft for the payments to be made automatically. There should never have been a reason to XXXX allow the charge on an account that was requested closed by the account owner. XXXX never went to collections when it was setup for autodraft from my bank account for payments to be made automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act : XXXX funding acct XXXX XXXX XXXX manage acct number : XXXX Both have violated my rights. 
15 us code 1681 section 602 A. States I have a right to privacy. 
15 us code 1681 section 604 A section 2 z. Says that a consumer reporting agency can not furnish any account information with out my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a previous XXXX XXXX XXXX dating past 7 years. I applied for employment and record discloses information past the legal limitation in my state of Maryland.
Product: Credit card or prepaid card

Date of purchase : XX/XX/XXXX Amount : {$660.00} Company : XXXX XXXX XXXX Citi Case  # XXXX Summary : I filed a dispute with XXXX XXXX XXXX  with my credit card after numerous attempts for a refund with them. After many months of communication back and forth, Citibank decided to rule in the merchant 's favor despite hard evidence that the merchandise being returned and their failure to receive all documents needed despite be given to them multiple times. 

I submitted a dispute with the merchant on XX/XX/XXXX after trying to return the merchandise to the store and dealing with their customer service. On XX/XX/XXXX the item was delivered to XXXX XXXX XXXXXXXX. A refund was not issued due to the merchant claiming that the item was not in the box when it was returned. I followed up with the merchant and explained to them it was a mistake on my part and I would need another label reissued to me to send back the correct item. I did receive this label from the merchant with the same tracking #. I repackaged it and received proof from the shipping company that it was returned. On XX/XX/XXXX, I dropped off the package back to XXXX XXXX XXXXXXXX with tracking # XXXX with the item being delivered back to the merchant on XX/XX/XXXX. The merchant insists that they never received the item back which led to the chargeback despite explaining to both Citi and XXXX XXXX XXXXXXXX that they gave me the same label hence the confusion. Citi ultimately decided in the merchant 's favor on XX/XX/XXXX and gave me no recourse and said their decision on the matter was final because the merchant 's bank decided it was closed.
Product: Checking or savings account

Unauthorized charge on my account with XXXX and I dont not have an account with XXXX .A purchase was made using digital debit card with XXXX and when I filed a dispute I received a temporary credit however XXXX ensured that because I dont have an account I wont be about to pull up an account with my name but I explained my debit card was used on XXXX to make a fraudulent purchase of {$93.00} .Ive tried calling three way with capital one and XXXX however capital one declined the offer .I believe Capital One workers used my debit card to make a purchase.
Product: Bank account or service

I opened a new checking account with BB & T in XXXX, I closed the account in XXXX of XXXX. During the year in which I had the account, I had direct deposit transactions, debit card transactions and upon closure, I received over {$2000.00} from the balance remaining in the account. In XXXX, I had a XXXX direct deposit transactions made by mistake to the closed account. XXXX of the XXXX deposits were returned to the sender, the other, the bank kept to pay off of debt owed from an unrelated account originating in XXXX, which was in a charge off status in XXXX. I have several issues with this transaction - First of all, the bank did not notify me of the fact that they took the deposit to pay off an old balance. I only obtained this information from them verbally after inquiring about the return of the ACH deposit to the sender. I have made numerous calls to the Executive offices of the bank, no one has called me back to talk to me about my situation. They sent me the attached letter detailing the charged off account. This letter does not describe their rights in collecting the funds from the ACH deposit made on the unrelated closed account nor have they have not sent me any transaction records of their taking of the ACH deposit to pay off the said debt. Anytime a bank makes a transaction on your account, they are to notify you, and I have not yet received anything and it is XXXX XXXX, XXXX, for a transaction that occurred on XXXX XXXX, XXXX Secondly - This letter does not indicate that the charged off account is formally closed or settled. Finally, these ACH transactions were made by my college, and were stipends from a XXXX XXXX and XXXX XXXX XXXX loan. It is my understanding that in the state of VA, you are not allowed to " garnish '' those such transactions, and that 's what this actually is.
Product: Credit reporting or other personal consumer reports

Experian did not properly investigated my credit account in past disputes.
Product: Credit reporting or other personal consumer reports

Accounts were added to my XXXX, accounts Ive never seen or opened myself before. I have several security freezes in place and when my credit is ranned before approving or denying I suppose to receive a alert or a phone call of confirmation by either the credit department which ever 1 is being requested for my information. I never received a alert never was notified that my credit report was even requested or approved or denied for anything.Ive requested documentation and opening documents agreements and things bearing my signature nothing has been produced