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

I charged a British Airways flight on my British Airways Visa card, issued by Chase. I am a life time Gold member of British Airways and my credit limit with Chase is {$50000.00} - I am a very good customer of both companies. The BA agent made a mistake when taking my booking and immediately issued a refund of the full amount. She then re-charged my card the exact same amount for a correct booking. There was no dispute between me and the merchant about any of these facts. 


These 3 transactions all happened within five minutes of each other. The two charges were made so close together that they had exactly the same exchange rate to 9 decimal places of accuracy - XXXX ( see attached credit card receipt ). However, when I received my " full refund '' of the first charge it was {$47.00} less than I paid. I disputed this difference with Chase. 


For some reason the " Customer Service Specialist '' at Chase could not comprehend these 3 simple transactions and what had happened. He wrote to me twice ( see attached ) and called me once asking the same irrelevant questions and then denied my dispute without any explanation. If this was not so frustrating and time wasting, it would be comical. 


I think this reflects a bigger problem with Chase - lack of integrity. Chase consistently backs the merchant in any dispute, no matter the merits of the case. What evidence for this? In my own case, every time I have raised an issue about Chase Card Services with the CFPB it has been resolved in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, EARLIER THIS YEAR WHILE CHECKING MY CREDIT I NOTICED A BUNCH OF RANDOM ACCOUNTS ON MY PROFILE, NEVER APPLIED OR EVEN HEARD OF THESE COMPANIES. I DISPUTED WITH THE COMPANIES AS WELL AS THE CREDIT BUREAUS. MY PURSE WAS STOLEN RECENTLY SO I CHECKED MY CREDIT AGAIN, JUST TO FIND THAT THEY ARE STILL REPORTING EVEN AFTER DISPUTING AND PLACING A FRAUD ALERT AND EVEN MORE ACCOUNTS APPEARED. THIS IS VERY FRUSTRATING. I CANT EVEN GET AN APARTMENT TO LIVE FOR ME AND MY XXXX. PLEASE PLEASE HAVE THESE ITEMS REMOVED IMMIDIATELY FROM MY REPORTS THEY ARE FRAUDULENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Synchrony Bank Accounts # XXXX, XXXX, XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand that Equifax immediately provide the method of verification and the exact procedures used in the investigation of my dispute regarding the inaccurate XXXX XXXX charge-off reporting on my credit file. This dispute was filed with Equifax on XX/XX/year>, under tracking number XXXX. 

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to provide the method of verification upon request when a consumer disputes the accuracy of an item in their credit file. I am now exercising my legal right to receive a detailed explanation of : - The specific steps taken by Equifax to investigate my dispute. 
- The name, title, and contact information of the individual ( s ) at XXXX XXXX who verified this information as accurate. 
- Copies of all documentation used in XXXX reinvestigation process to determine that the disputed XXXX XXXX charge-off was allegedly correct. 
- The detailed method Equifax used to verify the accuracy and completeness of this information. 
- Demand for Response Within 15 Days : Pursuant to my rights under 15 U.S.C. 1681i ( a ) ( 7 ), I am demanding that Equifax respond to this request within 15 days from the date of this letter. Failure to provide the requested information within this period will be considered a willful violation of the FCRA, for which I will take appropriate legal action.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I got a email saying that someone had been added to my XXXX and if I did not authorize it to contact my bank which is chase when I was calling the bank and payment of XXXX was sent to a XXXX XXXX when I told them I did not authorize this transaction they put in a claim and denied me on XX/XX/XXXX after I called them back I do not understand why or how but they said they investigation doesnt show fraud when I talk to a lady changing my login information I was told that there was another authorized device on my online and I had her remove it
Product: Credit reporting or other personal consumer reports

Request for Removal of Collection Accounts due to Violation of Consumer Laws Account Numbers : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to dispute the above-referenced collection accounts that are currently reported on my credit file. Upon review of my credit report and the records pertaining to these accounts, I have found discrepancies and practices that I believe violate several consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA and FCRA, consumers have the right to dispute and demand the validation of debt information that they believe is inaccurately reported. Despite my efforts to resolve these discrepancies, I have either not received adequate validation of these debts or found that the practices used to collect or report these debts violate the aforementioned acts. 

In light of these violations, I am requesting the immediate removal of these collection accounts from my credit report. Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will leave me no choice but to consider further actions. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.
Product: Student loan

I've had issues with Sallie Mae, which turned in to issues with Navient. There are so many problems, and I'm not sure if I should make multiple complaints or try to cover them in one. A big one is my ruined credit because they applied my payments to the wrong account. I've tried for years to fix this and they will not. They eventually put the money on the right accounts, but never fixed my credit report. 

I listened to them whenever I had problems making payments due to whatever was happening in my life. I assumed they knew what they were talking about. I was in and out of forbearance for years. 

Since XXXX College has closed, I have no access to my credits & employers can not verify my degree. This was a total waste of time & money, that I'll be paying for the rest of my life. 

This has all but ruined my life. I'm trying to buy a car now & will pay outrageous amounts due to my credit. I'll never be able to buy a house. I know I'm not the only person in this situation, but $ 90k in debt with nothing to show for it really hurts.
Product: Debt collection

tO START, this XXXX account was in my ex husbands name and SSN. I never gave my SSN or owed this debt. 

I have been contacted and Harassed by this company and every collection agency they sent this off to for years now. 

In XX/XX/XXXX I was contacted by XXXX, was offered a settlement and I Paid it in Full on XX/XX/XXXX. Since then I was Harrassed by XXXX who I also reported on this site, Case number: XXXX. XXXX  "ENHANCRCVRCO" and XXXX where both Falsely reporting at the same time. Now XXXX is not showing on my credit any longer but XXXX "ENHANCRCVRCO" still is. This account has been Paid once, I have the release of liability, and i refuse to pay it a XXXX time.
Product: Bank account or service

In XXXX 2015 I went to Wells Fargo Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX ). I deposited my payroll check as usual. It was not until I went to a local store to make a purchase that I was told my debit card was declined. I called the customer service line for Wells Fargo to inquire about the issue and was told it would take 3-5 business days to resolve and was told my funds were deposited and withdrawn on the same day. It is important to note that I did not make a withdraw request only a deposit. This was on a Saturday which left me without any money until the next week. Well on XXXX/XXXX/15 I again went to the same Wells Fargo bank to deposit my payroll check and again the transaction made by teller was that of a deposit and withdraw again leaving me without access to my money. I am not sure why this continues to happen. I have called the customer department and spoke with XXXX XXXX but again was told it would take 3-5 business days to research problem. I also spoke with XXXX Customer Service Manager and was told she could not speak to me over the phone due to confidentiality, and suggested I come into the branch. This is not acceptable to me as I would need to take time off work which would cause hardship. I feel like I have no other recourse than to file a complaint. I have been a loyal customer for over 20 years. 

Please advise,
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Equifax Credit Bureau.I have verifiable proof from the agency ( Attorney General Texas XXXX XXXX Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 180 days late as is XXXX. Equifax says they verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. It has hurt my ability to obtain credit. I have filed complaint with Equifax 3 times online always getting answer verified. And 2 times written to Equifax with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General XXXX XXXX account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports.
Product: Debt collection

this company PROMISED to take my name off there list ..they keep calling and harassing my pre-paid cellphone i just bought  XXXX  weeks ago for baseball for my son.   They are wasting my minutes by calling for someone that does n't exist.   They call many times a day and keep leaving message 's which runs down my minutes.   I have told them wrong number and they continue
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for loans. Credit carma was sending me all sorts of pre approvals telling me that I was pre approved for personal loans and credit cards and that I can refinance my vehicle. I would see this offers every time I check my credit score. Months would pass by and credit carma would send me pre approvals and I believe I was in the right time to apply. So I applied sometime 2020. I got denied for a personal loan with one main financial twice in different months. I was distraught and I felt deceived. I was marketed for months. Credit carma told me that I was approved. This was a lie. I was severely stressed out. I was looking forward for those loans. My XXXX  flaired. Now I don't pay attention to " pre approvals '' credit carma is a joke.
Product: Credit reporting or other personal consumer reports

When i saw my credit report i do not recognize those account, this needs to be approved by me or see my signature. 
i have my driver license and proof of my residence attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I'm looking to purchase a new home. I checked my CBR and there was a Barclays XXXX XXXX Credit Card on file. I called Barclay 's and told them this was fraudulent. They told me that I had to, in writing, send them a letter requesting validation of the debt. I sent the letter and it was received by them on XX/XX/2019. In that letter, I stated the account was fraudulent - I never opened it. I provided my SSN, address where they could send VOD documentation, etc. I never heard back from them again until I called them almost two months later. 

On XX/XX/2019 I called again and spoke to XXXX at XXXX XXXX. She validated that my request for VOD was received but no work was done on it. She told me they'd respond back with the VOD. 

I received a letter dated XX/XX/2019 stating that they completed a fraud investigation and found that, " ... the charges were made by you or someone who had authority to use your account. '' They did not provide any validation of debt information - to this date, I've received nothing. 

As such, I want this removed from my credit bureau and I still want the validation of debt information to get a better understanding of who might have done this. 

By the way, I've never received such a nasty and unprofessional letter from a business in my entire life. They didn't even bother to ask me for a fraud affidavit to help with their investigation, so I question the validity of their " investigation. '' They have failed to provide me with the documentation that I've asked for. Per the FDCPA, they're required to do so in a timely manner and have not done so. 

Please help. This is not my account. I was hoping to get the VOD before filing a fraud affidavit, but Barclays didn't even bother to respond back. They only responded back when I initiated the call.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( blocked, inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.furthermore their 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX my lease account with First Bank in Puerto Rico was paid in full. On XX/XX/XXXX the  account was shown in the credit report with " Collection '' status and indicating missing payments on XX/XX/XXXX and XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to First Bank with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on XXXX still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with First bank with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from XXXX, with this account on the same status. A call with First bank was performed today, XX/XX/XXXX,  with XXXX XXXX at XXXX from First Bank and her indication was that they have the documentation that was provided on XX/XX/XXXX, but no correction was made.
Product: Credit reporting or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

i applied for a mort loan about 1 month ago. i was trying to refi my bofa loan with that has a XXXX balance with a XXXX pmt to a 15 yr loan for about XXXX per month. i have been with bofa for 30 yrs, i 've had this loan for over 10 yrs paid perfect. they sent me that my beacon was XXXX, home value XXXX. i can show XXXX in assets in XXXX financial institutions and could easily cash in annuities to pay but i dont want to. i am asking only to redo my bofa loan w/no money out ... .i have XXXX for 25yrs this should be the easiest loan you can get, there is no angle that this is not a paying loan. on XXXX i tt XXXX XXXX he asked me to get verification a loan on my XXXX was not mine i did that called the next day no return call ... XXXX & XXXX called left msg no return call ... about XXXX recieved turn down letter that was sent out XXXX XXXX he sent me on a goose chase ... .both XXXX and XXXX XXXX that i spoke to were not very helpful ( useless ). could someone with bofa who can make an educated loan descion please contact me to at least explain to me why you would make this desiscion on a 30yr perfect cust of bofa
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently made the discovery of an fraudulent account on my credit report. i completed an ftc report, and also filed a police report of the accounts. i sent these documents to XXXX, XXXX, and Transunion and each of these companies told me because the account had been verified, that they can not remove the account.. and because it had been disputed in the past. I tried to explain the reason for that was because i hired a company ( XXXX XXXX ) to do credit repairs and was unaware that the account was fraudulent and the methods they used to dispute the account. i decided to to do my own credit examination and took a closer look at my credit report and came to the realization of the fraudulent account. and was still told nothing can be done. This account is not mine and was created fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, XXXX I sent letters to XXXX XXXX about a a car loan that was paid by my insurance company and Gap insurance. The car was listed as a loss on XX/XX/2018. It was being paid in a chapter XXXX payment plan until the accident. The account has be placed as a new account on my credit report with a open balance of XXXX and being reported late in collections of 120 days. The account should show closed and not open.
Product: Credit reporting or other personal consumer reports

I checked my credit report, and I saw some inquiries that I did not authorize. 

XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX Auatus - XXXX, XXXX, XXXX I NEED THESE INQUIRIES REMOVED AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX Violated my rights as a protected consumer. They have done this by providing inaccurate information to the credit reporting agencies. In the past I have disputed this with the bureaus and they again have deliberately reported inaccurate information. The High balance, Date of last activity, date reported, date opened last payment all vary between the three Bureaus : TransUnion, XXXX, and XXXX. They are also reporting that this account is closed. Being that the account is closed, per law, there shouldn't be a past due amount as past due amounts are only applicable to open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on XXXX XXXX/PayPal, Account number : XXXX. FCRA 623 and FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
Product: Credit card or prepaid card

This company has absolutely no buyer protection. I have not received proper items for two charges on my card and Discover is considering these charges valid. If it happened once, I could understand but multiple charges that are being considered valid regardless if I received them or not Discover charges the consumer.