23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I noticed an unauthorized charge on my checking account, ( by accessing online banking ) in the amount of {$79.00}. The only description is " XXXX XXXX XXXX XXXX ''. I immediately notified Chase and reported the charge as fraudulent. They initially issued me a credit. Today, XX/XX/XXXX a full seven weeks later, that initial credit was reversed, creating a negative balance. I once again called chase, and was told that they contacted the retailer, and the retailer provided evidence, such as my name and address and delivery date, sufficient enough for chase to determine the charge was not fraudulent. WHAT?? If someone, somehow obtained my debit card number, with it in my possession, is it really a quantum leap for the fraudster to also have other personal information about me??
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

I attended XXXX XXXX to pursue a degree in XXXX XXXX. I graduated with an XXXX degree and was told that I would get a job right after I graduate and if I wished to further my education elsewhere it would accredited. That was all incorrect. I was lied to from the beginning and they took me for loads of money and I can not even do anything with my degree. So I am XXXX dollars in debt and had to get a job in a field that has nothing to do with my degree because I am so far in debt I can barely even make the payment. I am barely scraping by. XXXX XXXX has ruined my life and put me in a hole I do not think I will ever be able to get out of.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, This is my third formal request to your agency regarding fraudulent information appearing on my credit report, and I am writing to express my frustration with your continued failure to take appropriate action. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I demand that you immediately block the fraudulent accounts, collections, and hard inquiries resulting from identity theft within 4 business days of receiving this complaint. 

The fraudulent and inaccurate information in question includes a XXXX XXXX credit card account ( Account number : XXXX ), which was opened without my knowledge or consent. This account, along with multiple fraudulent hard inquiries and collections, has appeared on my XXXX credit report and is damaging my credit standing. 

Please be advised that I do not recognize the following : The XXXX  XXXX account Any collections associated with it The hard inquiries related to this fraudulent account These accounts, inquiries, and collections are not the result of any actions I have taken. They are entirely the product of identity theft and fraud. 

I have already submitted multiple disputes with you regarding this issue, and yet, no corrective action has been taken to remove the fraudulent information. This ongoing failure to address the issue in a timely and appropriate manner is unacceptable. I have attached the following documentation to support my claim : A copy of the FTC Identity Theft Criminal Complaint ( Case # XXXX ), confirming that the accounts, collections, and inquiries listed are the result of fraud and identity theft. 
A list of the fraudulent hard inquiries in question. 
This matter must be resolved immediately. As required by law, you are obligated to block all fraudulent information from my credit report within 4 business days. If you fail to do so, I will be forced to take further legal action. 

I expect written confirmation from your agency that the fraudulent items have been blocked from my credit report and that all collection activities related to these fraudulent accounts have ceased. Failure to address this matter promptly will compel me to escalate this issue further.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my identity has been stolen, and I need urgent assistance in resolving this matter. Upon reviewing my credit reports, I discovered several accounts and inquiries that I do not recognize and did not authorize. These fraudulent accounts and inquiries have caused me significant concern. 



To begin addressing this issue, I request the following : 1. Please place fraud alerts on my credit files with XXXX, XXXX, and XXXX to ensure additional verification is required before any new credit is opened in my name. 

2. I request the immediate removal of any fraudulent accounts and inquiries from my credit reports, as I work to recover my identity and prevent further harm. 



I am currently in the process of gathering additional documentation to support my case and will cooperate fully with any investigation required. Please let me know if any additional steps are necessary to initiate these actions or if you require further information from me. 



Thank you for your time and attention to this matter. I look forward to your guidance and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Transunion stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if they did not honor my original request to verify the items contained in my previous letter, mailed via certified mail. 
I have included my original disputes for your convenience below : The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. Mistaken Identity XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

2. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on this account because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts is listed below. 
XXXX XXXX Account # : XXXX XXXX XXXX : {$7800.00} Date Opened : XX/XX/2020
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports.

This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these accounts in 4 business days.
Product: Credit card

I received a XXXX XXXX American Express credit card invitation in the mail. I applied on line and fulfilled the purchase requirement for an additional {$300.00} bonus. The paperwork stated to wait 6 to 8 weeks after the {$2000.00} purchase threshold was met to receive the bonus. When I did not I called customer service. I was told I was not eligible with an explanation that made no sense. Please help. Thanks
Product: Consumer Loan

I borrowed approximately {$11000.00} from Springleaf Financial. A couple months later I made a call to pay the entire balance off. The lender told me if I would leave a small balance they would report to my credit to improve my score. I asked if the interest would be on the balance only because I no longer needed the money they lent but did want a higher score. They agreed and told me I would not owe any payments until XXXX. I paid them {$10000.00} that day leaving an {$1100.00} balance. Statements were sent with no details of interest except {$0.00} due. Now years later they want to charge me interest on the entire XXXX. In other words they want to charge over {$7000.00} interest on a balance of {$1100.00} loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple duplicate entries of addresses on my report. Some don't belong to me, they are where some of my relatives have lived in the past.
Product: Student loan

On XX/XX/XXXX I failed to pay my monthly amount due of {$620.00}.
On XX/XX/XXXX, I requested my original loan documents via fax and they were never produced.
On XX/XX/XXXX I received the first collection call at XXXX XXXX from XXXX. 

On XX/XX/XXXX I received a collection call form XXXX. 
I spoke to a representative of AES and told her that I could not continue to make payments because I had been unemployed and would not be able to catch up until XX/XX/XXXX at the earliest. She told me she would send it to the workout team and let me know. I asked them to stop calling me. I never heard back other than the constant harassing phone calls. 

On XX/XX/XXXX I received a collection call at XXXX XXXX. from XXXX. 

On XX/XX/XXXX I received a collection call at XXXX XXXX. from XXXX. 

On XX/XX/XXXX I received collection calls form XXXX at XXXX and XXXX XXXX. 

On XX/XX/XXXX at XXXX XXXX. I placed a call to XXXX and spoke with XXXX, Agent ID XXXX. I told her that my request for original loan documents had not been received and she said I would get them in another 10 days. I reiterated my request that they stop calling me since I was unable to pay my loans and that I would not be able to begin making payments until at least XX/XX/XXXX. She said they would not stop calling me until the loan was " processed out of their system ... in approximately 180 days. '' On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. 

On XX/XX/XXXX I missed another installment of {$620.00} plus late fees from the missed payment in XXXX. 

On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. and from XXXX at XXXX XXXX. 

On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. and from XXXX at XXXX XXXX. 

On XX/XX/XXXX I received a collection call from XXXX at XXXX XXXX.
Product: Bank account or service

I closed my account in XXXX 2014 but chase did n't follow the instructions and never returned my funds and I was made aware of this when my investigator in XXXX provided XXXX XXXX that your account has been hacked and almost XXXX deposited amounts are wired out to unknown recipient. I called chase and reported this and disputed those amounts and then instead of making my funds available to my other creditors they blocked or hide my account and put return request upto 3 month prior payments made available to my other financial institutions making Me look bad and causing Me debit of {$3600.00} but I suppose to get a refund check from chase as vitcm of IDTheft when I closed my account o had XXXX present in the checking account which they had stolen from me and never sent me written letter stating my account had closed. Chase also leaked my account information to XXXX party as per told by my investigation firm and they are invited in massive fraud to make up for their data breaches costs.
Product: Debt collection

The collection company called Progressive Management Systems reported to the bureaus a debt under my name. The collection was reported back in XX/XX/XXXX and it was for a balance of {$1300.00}, showing the original creditor as the XXXX XXXX XXXX XXXX and the account type as " collection '' and " joint ''. This account was disputed with XXXX and I am unsure of what information the collection agency provided to the Bureau showing that the account was mine and " joint '' as the Bureau informed me. I am still disputing this account, it is not mine and I would like the company to provide documentation.

I haven't had any contact with this company over the phone or in any way and never had the opportunity to dispute it with them directly, never get into any payment plan or any agreement to pay.

! 8 days ago the same collection company, Progressive Management Systems reported the same account as a 60 late payment for the same amount hitting me twice for the same debt which shows the account as a collection in XX/XX/XXXX and an account in 60 days late payment status XX/XX/XXXX. 
First of all the debt is not mine but also I understand once a creditor selles a debt to a collection agency, this one can only report the debt as a collection not as a collection and account in late 3 years later without communication or any payment plan set up.I think this is an unfair tactic from the collection agency to collect the money duplicating the information and reporting false information and twice to the Bureaus. This practice goes against the Fair Debt Collection ACT
Product: Money transfer, virtual currency, or money service

I have requested for Chase to do a chargeback from the recipient bank due to fraud/scam. It was for {$1900.00} on XX/XX/2020. I already talked to a XXXX representative and they are working on shutting the owner of the recipient account down because of the illegal use of the account. And they said that a Chargeback is what needs to be done by my bank CHASE to the recipient bank because of the fraud and yet NO ONE IS DOING ANYTHING BUT DENYING ME. An effort wasn't even applied to start the Chargeback process. I have been going back and forth for 3 weeks and NO RESULTS. I have been with Chase for awhile and never had any problems. And now I'm being denied something that YA 'LL ARE VERY CAPABLE OF DOING. A chargeback from the recipient bank, not a refund provided by Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates XX/XX/2019 Company XXXX XXXX Dates XX/XX/2019 XXXX XXXX XXXX I tried to get an account with XXXX XXXX XXXX. I could not be accommodated. There decision was based in whole or part on information obtained in report from consumer report. They recommended actions to provide adverse action form check box for Chexsystems. Action taken place is requesting all information concerning this issue. My information was impacted by the data breach hack.
Product: Debt collection

There are many areas that my complaint fits under. 

Company 1st contacted me on XXXX regarding a debt I did not initially believe was mine. I thought it was a scam and asked them to send me something in writing before I would communicate with them. They told me that I must set up a payment arrangement right then or they would take legal actionOn XXXX the company contacted my employer and identified themselves to " verify my employment '' then they contacted me, since I had not received anything by mail, I again stated I wanted something in writing before I would discuss anything with them. I also told them I was recording our phone calls ( legal in Oregon XXXX, they got upset and hung up on me. 

XXXX I sent a certified letter asking them to validate this debt. 

XXXX I received XXXX letters, one with a summary of the debt and one that indicated that they had contacted my lawyer and threatening legal action. 

XXXX. I received the information on the validation of debt that stated I had XXXX days to dispute the debt. 

XXXX They filed a claim in XXXX XXXX court. 

I have now realized this is my debt from my daughter and there was some confusion between me and my ex husband, I have no problem that I paid the original {$220.00} debt, what my issue is, is that my rights under FCDPA were clearly violated and I had to pay and additional {$93.00} of " fees '' because they filed a lawsuit before they gave me a chance to dispute the debt. In addition they contacted my employment and since I work XXXX I am aware they have done that with other employees as well.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX several times on these two hard inquiries on my credit report that was fraudulent I have FTC reports filled out and a police report with the police report number saying Ive been having problems where I been exposed to fraud where my personal & sensitive mail been opened and exposed! Ive told XXXX I didnt apply for anything with Sears/CBNA on XXXX XXXX nor at XXXX on XXXX XXXX. Ive faxed them over extensive documents and mailed extensive information to XXXX regarding this matter and they still want react to the recurring problem Im having I even called the company several times. Also the documents I mailed XXXX is saying they didnt get them and I have my social security number & date of birth, home address etc! in that mail letter that they saying they didnt get I even verified the address where to send the dispute letters with an XXXX employee in the dispute department! Also I had called the post office they verified my letter was delivered! I just need these hard inquiries removed that was fraudulent put on my credit file and to find my personal mail that was sent to XXXX!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX  XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX 
Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXX  XXXX Account XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions