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

Purchased home warranty from XXXX XXXX with Chase credit card that I have owned for years. I use the card trusting if the good or services were not delivered, the company will protect me and stand behind their protection policy. Purchased was charged on XX/XX/2020 for XXXX. When it came to use the home warranty XXXX XXXX refused to do any repairs. They gave me the run around and kept coming up with excuses. I tried to resolved the problem multiple times. They promised will follow up and/or compensate for the item since they could not repair but never heard from them again and again. I disputed the charge with Chase. They took the information on the phone. Then again I explained the exact problem on the paper work they sent. All I have received is an update that says they found no " billing error ''! The dispute was never about billing error and was thoroughly explained on the phone and in writing. It seem like Chase does not want to pursue the dispute. When I use the their credit card as I have for years, I trust when this type of service and protection help needed, they will step in and resolve the problem. It's very disappointing that when the help is needed they refuse to take action. What is the use of all these benefits they advertise to get you to used the card then?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to update my credit file properly due to the fact someone had use my ID back in2019. I see my name is still spelled wrong and there are SS # that are not mine as well asaddresses that do not belong to me. 
Please delete/remove the following names : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
Mycurrent and only addresses is XXXX XXXX XXXX XXXX OH,XXXXPlease delete / remove the following unknown/ fraudulent addresses : XXXX XXXX XXXX OHXXXX, XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX OH,XXXX XXXX XXXX XXXX OHXXXX XXXX OHIO XXXX XXXX OHXXXX XXXX XXXXXXXX XXXX XXXXOH,XXXX XXXX XXXXXXXX XXXX OH,XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX My SS XXXX DOB XXXX please delete any other data or information thatdoes n't match.
Product: Debt collection

I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. 

Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. 

I disputed this debt in XX/XX/2020 with XXXX  , XXXX and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. 

MCM Account numbers : XXXX, XXXX, XXXX
Product: Checking or savings account

Account was opened using my information and I never got approved for the account and I cant access the account even though it keeps telling me I got money in the account using my information
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Late Payment : XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

My concern is that Harris & Harris is contacting me regarding bills I never received via the mail. They are repeatedly calling my parents house and I have contacted them via their website asking them to stop. My parents do not assist me financially. 

How can I pay a bill that I never received? I cant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved an alert about a new account with American First Finance some type of lease with the balance of over {$2000.00} and a new address in XXXX. I disputed that it was not mine and it came back verified. I never lived in XXXX  and I have never been late on any of my accounts, I asked them to get the said lease agreement as well as look at the coincedence of new address with the new account.. I tried calling the company and every time I reached a live person and ask what type of company it was and once i say i have no account but it shows on my report they hang up. I have called XXXX times to no avail this company is a fraud. my score has gone down XXXX points.
Product: Credit reporting

Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from experian When I got my score in XX/XX/XXXX it was XXXX in XX/XX/XXXX it is XXXX-XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them ( XXXX.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling convergent again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Experian and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XX/XX/XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a XXXX balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : OFFICE OF THE ATTY GEN XXXX Balance : {$19000.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$4000.00} US DEPT ED XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1100.00} USDOE/XXXXXXXX XXXX Balance : {$0.00}
Product: Student loan

I graduated 8 months ago but started looking for work in the past XXXXhree months. Immediately following graduation I had medical issues requiring XXXX which delayed my job search start time. 

Presently, I am on a Graduated Repayment Program as I was told this was my only option if I could not make any payments. The GRP requires monthly interest payments for up to one year and then you return to normal interest and principal payments. The monthly interest payment I am being asked to pay is approximately {$1500.00}. That is {$18000.00} a year in interest alone. Since I am not employed I can not make any payments and am told that I will be in default in 60 days. There is nothing I can do. 

I have been applying for hundreds of jobs in my XXXX XXXX XXXX and XXXX, and have not received any interviews. Nothing. I have worked with resume building, cover letter building, and have a great work history. I do not understand why I am being overlooked and not given any opportunity to work in the field I went to school for and amassed this enormous student debt for. SallyMae has made it clear that once I default they will file a judgment and garnish my wages and go after any assets I own. This is beyond frustrating and demoralizing. It takes time to find a job and most entry level XXXX XXXX  pay very little that it would be impossible to cover even a fraction of what is being required for the student loan payments.
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. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have all violated my rights. 

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.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Are all closed accounts according to a free credit report I received from a free credit report company. XXXX, Transunion, and XXXX have all done an investigation and the results have said these accounts are still in collections. 

XXXX XXXX  and/or XXXX XXXX XXXX and XXXX reporting twice on my report. XXXX XXXX  and/or XXXX XXXX XXXX along with XXXX XXXX XXXX are also the same agency reporting XXXX times on the same closed account. I made a complaint to all XXXX bureaus and they came back saying there was no error.
Product: Checking or savings account

I opened a new Checking Account with Ally Bank through their website on XX/XX/XXXX. There were no issues after approval and I was able to login and see my information fine. On XX/XX/XXXX, from the Ally website, XXXX setup my XXXX XXXXXXXX Checking Account for external transfers, then transferred {$1100.00} to Ally from XXXX  XXXX. The funds were set to fully settle on XX/XX/XXXX. 

On XX/XX/XXXX I received an email that my XXXX and XXXX XXXX XXXX was suspended with Ally, then another email at XXXX on XX/XX/XXXX saying " We restricted your Spending Account because we detected suspcious activity on XX/XX/year> ''. I called Ally right after getting that email but no one was willing to help, saying their fraud department was closed. 

The next day ( XX/XX/XXXX ) I was able to login to my Ally account and see the {$1100.00} I transferred was now in my account. I then called the Fraud Department and spoke to a person named XXXX for about a half hour, providing answers to every security and personal use question they had. At the end of the call I was told my information would be passed to the investigator and they would reach out if they had any more questions. I asked them what else they would need from me since I just gave them everything and he started to get upset saying they didn't need anything else and to just wait. I asked to just close my account and get my money back and he said that's not possible while this is still being investigated. He then said he isn't going to do this back and forth stuff with me and stopped talking. 

Later that day, I tried to login to my account again, and now it say my access is temporarily blocked and to call them. I have also received XXXX emails saying my password change was unsuccessful, which matches with each time I tried to login to my account. I called them back the night of XX/XX/XXXX and was told my account was still being reviewed, that there is nothing I can do to get access to my account or money, that they had no XXXX on when someone would contact me or my account would be open again. 

At this point, I just want my {$1100.00} back and to get my account closed at Ally ASAP. It feels like they stole my money since I can not access it and they won't help me anymore.
Product: Credit reporting

I have never had a loan with XXXX, however XXXX is reporting negative loan information on my Experian credit report. I have repeatedly filed disputes with Experian and they keep telling me they have verified that this mortgage loan is mine. I 've even asked XXXX to show me the loan origination papers that I signed if this is my loan, but I have not received any response from them. I have tried to file another dispute with Experian, but I 'm told I can not fie another dispute, since I have previously filed a dispute in the past with them. I asked them why, and their response was : I could file another dispute, if I had additional documentation. Well, I do n't have additional documentation because there 's not any additional documentation to provide ... .It 's simply not my loan! Please contact Experian and advise them to delete this negative information off of my Experian credit report. The account in question is showing on my Experian credit report as : XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting

I have disputed items with this credit bureau more than once about a tax lien, XXXX bankruptcies, and unauthorized inquiries. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau tries to justify their actions, which are not acceptable nor tolerated. In regards to my disputes I went to the Federal court clerk and I asked them do they verify accounts to the credit bureaus about court cases, and they stated they do not verify with credit bureaus. First of all nobody has permission written or verbal to disclose about my personal affairs. They said the disputed items came back verified by the court, which the court said they do not verify, and in my case since I owe XXXX balance, zero liability that the case was vacated and dismissed. So I want to know where they are getting this third party information from. If it is not from me or the federal court, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Transunion concerning a public record ( US Bankruptcy Court XXXX, TN : # XXXX ) thats being reported in error, incorrectly, invalidated, and not properly verified. I requested that this information be deleted from my consumer report. Transunion responded stating that this item was verified by the " Company '' ( US Bankruptcy Court XXXX, TN ) reporting that the information being furnished had been verified and certified by the " company '' to be accurate. This is false and also untruthful information being reported. I spoke with the courts of The US Bankruptcy Court of XXXX, Tennessee directly and verified to me that they do not and has not verify or furnish any court proceeding nor filing ( s ), discharges, or dismissal ( s ) to any of the major national credit bureaus ( XXXX, XXXX, Transunion ). Meaning that Transunion either lied on The United States Bankruptcy Courts or lied about verifying this information being reported. Either way this is a violation of state and federal laws including FCRA laws such as 15 U.S. Code 1681i ( 5 ) and several more. In a previous dispute with Transunion about the same issue. Transunion responded stating that they verified the information to be accurate through a third party company XXXX XXXX XXXX but not the original creditor. In fact XXXX is not a third party company, it is a Transunion company and partner which is not properly verifying this public record. This invalidated information is be verified from XXXX. I have filed disputes with XXXX and XXXX to delete/remove this information and both companies has yet to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report last month and noticed these unauthorized/unverified inquiries and account on my credit report. I have called Experian of these fraudulent activities and demand they be removed from my credit report. 

The account is not verifiable and doesnt match with other bureaus reports! 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Experian XXXX XXXX XXXX  XXXX  Personal Loan Companies XX/XX/2020 Experian XXXX XXXX XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX XXXX XXXX XXXX
Product: Student loan

Sallie Mae approved a loan for XXXX, but only XXXX was paid to the school before withdrawal. Now it is XXXX and they will not work with me on how to pay it. They went after a barely XXXX XXXX XXXX kid.
Product: Checking or savings account

On XX/XX/XXXX, my debit card ending in XXXX was charged {$470.00} by XXXX XXXX XXXX in XXXX XXXX, XXXX. Since my account was closed due to other unauthorized charges, I checked my email for a booking confirmation but did not receive one. I then contacted the hotel via the email provided on their website at https XXXX XXXX XXXXo dispute the charge, explaining that I had not authorized the payment and had not stayed at their hotel. 

XXXX XXXX, the Front Office Manager, responded, stating that the charge was a no-show fee and that he could not issue a refund. I have included attachments showing the breakdown of these charges and confirming that I did not sign any agreement accepting liability for this fee. The lack of a confirmation email prevented me from being aware of and managing this booking. 

I filed a dispute with my bank, Wells Fargo, on XX/XX/XXXX, under Claim # XXXX, providing all relevant communication and details about the unauthorized charge and my attempts to resolve the issue with the merchant. 

When I contacted the Wells Fargo Claims department on XX/XX/XXXX, I was informed that the claim was still in progress and received a provisional credit of {$470.00}. However, on the same day, this provisional credit was reversed. I called Wells Fargo again on XX/XX/XXXX, between XXXX and XXXX am, and was informed that the claim would soon be denied. I am unsure why the claim would be denied, given that this was an unauthorized charge, no services or goods were rendered, and I made efforts to resolve the issue with the merchant. 

Additionally, on XX/XX/XXXX, I noticed an unauthorized recurring payment of {$280.00} to FuboTV on my account. I filed a claim with Wells Fargo on XX/XX/XXXX, and this claim has since been opened and reopened multiple times. The merchant confirmed that the subscription was unauthorized and was signed up using an email address that did not belong to me or one that I authorized. Attached are communications with the merchant regarding these unauthorized charges. 

Furthermore, there were unauthorized charges for XXXX app subscriptions on my old account. I filed a claim for these charges under Claim # XXXX. I contacted both XXXX XXXX and XXXX XXXX, who stated that due to the XXXX resolution period having passed, I should resolve the matter with my bank. Despite this, Wells Fargo is attempting to hold me liable for these charges. This is contrary to Wells Fargo 's own statements on their website, which indicate that customers should not be held liable for unauthorized charges. 

Thank you for your attention to this matter.
Product: Credit card

I received a letter from my credit card company ( First Progress ) dated XX/XX/year> stating a temporary restriction has been placed on my account due to a returned payment ( I never made a payment at that time ). Received another letter dated the next day XX/XX/XXXX stating my check had been returned and then listed 4 reasons why. 1 ) Account closed 2 ) insufficient funds 3 ) Refer to maker XXXX ) invalid account number. Received another letter dated XX/XX/XXXX Stating a temporary restriction has been placed on my account due to security reasons. Received another letter dated XX/XX/XXXX stating my check had been returned to the bank and listed XXXX reasons XXXX ) Account closed XXXX ) insufficient funds XXXX ) Refer to maker XXXX ) invalid account number Note : on the XX/XX/XXXX letter it stated my balance was {$360.00}. On the XX/XX/XXXX letter it stated my balance was {$270.00}. On XXXX XXXX it stated my balance was {$300.00} and the XX/XX/XXXX letter stated my balance was {$670.00}. My credit limit is {$300.00}. So I called them on XX/XX/XXXX and they told me they suspect fraud because there was 3 attempts to make payments to my account, XXXX payment for {$310.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All 3 payments were returned and I told them it wasn't me making those payments. I am then asked about 3 charges to my account. 2 charges to XXXX on XX/XX/XXXX XXXX for {$150.00}, and another for {$50.00}. And a XXXX charge also to XXXX for {$75.00} on XX/XX/XXXX. I again told them it wasn't me and they said they would open an investigation. I then Receive a another letter from my credit card company stating " They have initiated an investigation into your fraud claim and determined the fraud charges are valid due to the following reason : The transactions are online transactions ( electronic commerce ) and had an exact match for address verification. The merchants address information received for the transaction matched the address listed above that we have on file for you. So because the person the used my credit card new my address it had to be me that made the purchases? Are you kidding me?
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem lies in my SS number it is incorrect?? Fix it
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 1681a2 I didnt give written permission to have these accounts furnished on my XXXX & EXPERIAN CONSUMER REPORTS