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

I had a charge for {$89.00} on my account from XXXXXXXX XXXX XXXXXXXX. It is an online supplement retailer/multi level marketing company. The charge was on XX/XX/21 or XX/XX/21. I immediately called Chase and told them this was fraud. They cancelled my card and left me without a card right before XXXX. Would I claim fraud right before XXXX? Am I worried about {$89.00} that is on my card when I spent over {$69000.00} last year on this card. It was clearly fraud. 

At the same time, they asked if there were any other charges that I did not recognize. 
I also disputed an XXXX charge that I did not recognize or have a receipt for in the amount of XXXX. After XXXX, I contacted XXXX to find out that the receipt they provided me had been updated upon shipment to reflect a different tax rate as well as a gift card as partial payment. THIS DID NOT MATCH MY RECEIPT PROVIDED BY XXXX, but it was my charge. I did not dispute this charge further after speaking with XXXX. 

Chase sent me a letter on XXXX saying I received value for the charges and they were being re-billed. I disputed them again. I talked to XXXX, but I did not get any answers from XXXXXXXX XXXX  XXXX. I did try to reach them. 

On XXXX, I received another letter saying the charges were being re-billed to me. I called Chase again. I told them no way that XXXX XXXX XXXX was my charge, and that I would take the XXXX charge. They told me I would have to prove that it wasn't my charge. HOW CAN I PROVE SOMETHING IS NOT MINE IF I NEVER GOT ANYTHING??? I asked for a supervisor. He told me as a courtesy, he would give me back the {$89.00}, but that XXXX XXXX XXXXXXXX had said it was a valid charge for a trial and he thinks it was real. That was insulting. I did not have anything to do with XXXXXXXX XXXX XXXXXXXX. 

On XXXX, I called XXXX XXXX XXXXXXXX. They did not have my name or phone number on file and found no account on file for me, so they could not tell me where the shipment went that charged {$89.00} to my credit card. Is this ironic? They do not have me as a customer, yet are claiming that the {$89.00} charge is valid. Acoording to my conversation with a manager in the Chase fraud department this morning, I signed up for a trial subscription. How could I sign up if I am not in their system? The {$89.00} is for a one time shipment as clearly stated on their website. IT IS NOT A TRIAL LIKE CHASE TRIED TO TELL ME. And for the record, I am in their system as of this morning with my name and phone number because the SCAMMERS wouldn't even speak to me without giving them my name. 

CHASE SHOWED BLATANT DISREGARD FOR ANY FACTS AND PUT THE BURDEN ON ME TO PROVE I DIDN'T MAKE A CHARGE WHICH IS VIRTUALLY IMPOSSIBLE WHEN I DIDN'T MAKE A CHARGE. I have read many other cases where they are doing the same thing to others. This is not an acceptable practice.
Product: Credit reporting or other personal consumer reports

I disputed inquiries on my consumer report and Equifax is giving misleading and deceptive practices saying they can not find my consumer report in there database. Equifax is in violation of 15 USC 1681 Fair Credit Reporting Act. Attached you'll see I was able to obtain my consumer report through Equifax. I disputed the inquiries on my consumer report because I'm a victim of identity theft because of Equifax data breach. Equifax refuses to remove the inquiries with manipulative deceptive practices therefore I consumer XXXX XXXX XXXX is entitled to compensation.
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 deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was released from XXXX  after two years from the XXXX through XX/XX/2023. Opon my release I tried to open a checking account at my previous bank, Wells Fargo. An they told me that there unable to open account. So I tried another bank an the same thing happened. I need a checking account in order to run a business So I tried maybe three more an nobody will work with me. They all point me to some XXXX XXXX  website. An also XXXX XXXX  has an account set up in an email I don't know. ( XXXX ) that's not me. An they wouldn't let me set up an account either. I only applyed for these banks starting from around XX/XX/2023 through XX/XX/2023 anything before that was not me. I've never used credit. Never had a loan. No mortgages. No student loan. Nothing but one checking account from Wells Fargo that was closed due to no transactions being made due to my absence and incarceration. Please help me resolve the situation as soon as possible ..... Thank you for your time I'm greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Inquiry - I wrote this company advising them I never applied for credit and never received a response back Capital One Auto FinancingXX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back. XXXX XXXX XXXX XXXX  XX/XX/XXXX- inquiry, XXXX advised me they would send a letter to the credit bureau to remove and has not been completed. XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
Capital one auto financing XX/XX/XXXX I wrote this company on XX/XX/XXXX advising I have never applied for credit and never received any response.
Product: Debt collection

PARAGON REVENUE GROUP  has a {$7300.00} hospital bill ( with XXXX XXXX XXXX, XXXX XXXX, Florida ) which they posted as a NEGATIVE on my credit report in XX/XX/2022. Since this is the ONLY outstanding debt that shows on my credit reports, they have negatively impacted my credit. This medical bill was for an emergency room visit which my health insurance paid a lot of money on and I did not expect this surprise bill. I want Paragon Revenue Group to REMOVE this hospital bill debt from ALL credit reporting agencies. I never received an itemized bill from the hospital despite numerous attempts to acquire one. Please help and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of XXXX someone went to a dealership in Illinois to purchase a vehicle in my name with out my knowledge I've been receiving letters from this lender company called XXXX XXXX that I own them some money and I do not own any vehicle from this company so I'v been fighting with this company for 6 years now. So in XXXX XXXX agree to get this account deleted for me off my report and XXXX agreed to get this account deleted for me off my report. Experian is the only credit union that I'm having problems with to get this account off my credit report so I filed a law suit on the XXXX XXXX for miss handling my information in properly with out my consent and I heard as of XX/XX/XXXX the Bureau and New York Attorney General XXXX XXXX filed a joint lawsuit in the United States XXXX XXXX for XXXX XXXX XXXX XXXX New York against XXXX XXXX XXXX So I need this Account to get off my Credit report from Experian Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX doesn't like to respond to my dispute ( XXXX ). The other bureaus deleted immediately upon investigation XXXX just responds ( if at all ) with generic XXXX. response letters about not understanding what I want. It is sad that i've had to send SO MANY LETTERS I actually know what the letter will say before I open the envelope - and it won't be about the investigation they did but the XXXX investigation they failed to provide this consumer.
Product: Credit reporting or other personal consumer reports

This building the XXXX had a lawsuit that they had to reimburse me over XXXX dollars they charged for 2 months rent after I moved out because they said I didnt tell them far enough in advance that I was moving. Even though my lease was up and I didnt resign. I was included in a class action suit that they were overcharging their tenants
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had any account nor signed any agreements with XXXX XXXX XXXX. However they are on my credit report demanding {$1100.00}. This is incorrect and It needs to be deleted.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found out my data was leaked. Now I got all these inquiries on my credit report and also creditors calling me saying I owe them and I have never heard of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A EX-SIGNIFICANT OTHER USED MY PERSONAL INFORMATION TO CO SIGN A LOAN ON HER BEHALF WITHOUT MY UNDERSTANDING OR CONSENT. I WAS TOLD THAT MY ONLY RESPONSIBILITY WOULD BE PAYING EVERY MONTH USING MY CREDIT CARD WHICH AFTER WE BROKE UP I DISPUTED AND TOLD I WAS NO LONGER PAYING. NEVER DID I AUTHORIZE ANYONE INCLUDING THIS COMPANY TO USE MY PERSONAL CREDIT TO SIGN FOR THIS LOAN. I ONLY AUTHORIZED MY EX XXXX XXXX TO USE MY CARD MONTHLY FOR PAYMENTS ON A MONTH TO MONTH BASIS UNTIL I SAW FIT. ONCE WE WERE NO LONGER A COUPLE I NO LONGER HAD OBLIGATION TO THIS MONTHLY OBLIGATION NOR DID I EVER HAVE KNOWLEDGE OR UNDERSTANDING THAT THIS WOULD BE REPORTED ON MY CREDIT AS I NEVER SIGNED ANYTHING WHATSOEVER, ENTERED ANY ESTABLISHMENT GIVING PERMISSION, ONLY VERBAL WITH MY EX SIGNIFICANT OTHER THAT I WOULD HELP HER.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 16819 ( a ) ( 4 ) which states that I have a right to privacy. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666 ( a ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 USC 1681 ( a ) ( 2 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer right to privacy.

15 USC 1681b ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

15 USC 1666 ( a ) Time to make payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Checking or savings account

I received multiple overdraft fees on automatic payments that could have and should have been denied in the month of XXXX. Also, the payments did not post, and I had to pay a return fee to the merchants. After my account had already been overdrawn they allowed more overdrafts of XXXX. After that more overdraft fees were added to items that were paid when I still had the money in my account. My account has been closed and I am being told I owe around {$700.00}. I am no longer able to access my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my bank sent me an email stating that there's been a new inquiry on my credit report -- from Capital One. But I never applied for this card. When I opened my mailbox on XX/XX/XXXX, this card that I did not apply for had arrived. My credit score has been negatively impacted ( i.e., decreased ) because of these events.
Product: Checking or savings account

( XXXX ) Check Account # XXXX Check issue date : XX/XX/2023 Check # XXXX Check amount {$8000.00} I deposit this check into my TD bank # XXXX on XX/XX/2023 This is a cashier check for the remaining funds for the account ending # XXXX even though the check is payable to someone else name ( my aunt ) but we have already updated and filed a document for the account beneficiary 100 % under my name. We have contacted the issuing bank and letting discover bank knows thats this check have already deposited under my Td bank and they are aware of that so theres shouldnt have any problems or issues for me depositing this check
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, my XXXX report states that I have 5 hard inquiries from you guys. I did not apply for an XXXX product in the last 3 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries removed please. 
Again, - XXXX wanted me to contact XXXX XXXX XXXX XXXX XXXX Get XXXXXXXX XXXX XXXX XXXXXXXX to mail me a letter address XXXX to have those XXXX hard inquiries deleted, as they were not mine. 
- If possible, please expedite the mail. 

The dates on my credit report from XXXXXXXX XXXX was XXXX. XX/XX/2022 XXXX. XX/XX/2022 XXXX
Product: Credit card or prepaid card

I paid {$9000.00} off My credit card bill bringing my balance to zero XX/XX/XXXX. It is now the end of XXXX, and this is still not been reported to my credit. I have sent two messages to comenity asking for them to report my balance to my credit. Both gave me nothing but generic information saying that it could take up to XXXX calendar days for my credit to be updated. It is now been well over 90 days, and there has been no updates.
Product: Checking or savings account

I have contacted Wells Fargo on three separate occasions about having a check reissued in the name of my father who has since passed away in XXXX. Wells Fargo provided the paperwork to get the check reissued and since it was to be reissued in the name of a deceased customer, they asked for verification such as a death certificate. I filled out the form and provided the death certificate as requested. They then sent a letter stating they can not reissue a check without me filling out a W-9. By their own letter, it states a W-9 would need to be completed if issued to a new payee. I am not requesting it to be reissued to a new payee and I made that clear multiple times on my telephone call today with them. I requested my call to be escalated to a supervisor and it was not. They then placed me on hold for an extended amount of time saying they were getting a new check number generated and to be sent out. After waiting that extended amount of time, the woman came back and said they would not reissue it without the W-9. First she said it was because the check was more than {$200.00}. She then said it was to verify me. I told her Im listed on the death certificate as next of kin with the same address as the mailing address on file for my father. I told her even if I filled out the W-9 in the name of the estate, the estate has been closed out for over 5 years so it wouldnt benefit anyone. I told her I provided everything they asked for to verify the account and she still gave me the run around. I told her I would be filing a complaint with CFPB for withholding funds and that I followed the information provided in their paperwork. The woman stated she would start a complaint for me however I told her I would do it myself to ensure it was done and accurate. WellsFargo is willfully withholding funds and refuses to release them even after all documentation has been provided.
Product: Credit card

I was scammed by a taxi driver in XXXX. I needed to get to a different terminal than the one I was at. About a XXXX XXXX XXXX. They told me it was going to cost XXXX pesos and they charged one of my card XXXX pesos and told me it was declined and then charged my second card XXXX pesos. Once i saw the charge was higher than the {$17.00} conversion rate I found online i submitted a dispute. I have been going back and forth with Barclays since XXXX as thats the card that was charged XXXX pesos and i explained what happened and also submitted proof that my other card was charged. They have declined the claim 3 times and I am frustrated and dont know what else to do. There is no way I took a taxi ride worth {$170.00} when I was already at the airport. Its literally impossible. I told them to just charge me the {$17.00} instead since thats what i agreed to. XXXX pesos not XXXX pesos. And they still declined the claim saying I dont have enough proof. The 3 separate charges for the same ride isnt proof??? Obviously the scammers did different amounts to trick the system. I even showed them the receipt the taxi gave me that said the XXXX was declined to show the original charge was XXXX. I dont know how they were able to give me a declined receipt when they charged my card 3 times. Im having to pay over {$400.00} because of thieves in XXXX. And Im pretty sure the banks know about the scam and are just unwilling to help. I am at my wits end so Im reporting them for not doing their part to get my money back. I submitted all the proof. Its impossible to take a taxi for that cost when I was at the airport.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my case. 

I have submitted all required documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions involved. Despite the severity of the situation and its significant impact on my life, your bureau 's response has been alarmingly inadequate. Communication regarding the status of my disputes has been sparse, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling neglected and unsupported by the institution I trusted to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I request that you implement measures to prevent such incidents from recurring, as it is evident that my personal information was mishandled and exploited. 

XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Complaint Against American Express - Misuse of Personal Information for Unsolicited Advertisements To Whom It May Concern, I am writing to file a formal complaint against American Express for the misuse of my personal information. On XX/XX/2025, I received an unsolicited advertisement from American Express ( see attached image ) at my address, which suggests that they have accessed and used my personal information without my consent to send targeted marketing materials. 

This practice is not only invasive but also a violation of my privacy rights. I have not given American Express permission to use my information for such purposes, and I find this form of advertising to be harassing. 

I request that the XXXX investigate this matter and take appropriate action to ensure American Express stops this practice. I also seek assurance that my personal information will be removed from their marketing databases and that they will comply with privacy regulations moving forward. 

Please find attached the image of the unsolicited mail I received. Thank you for your attention to this serious matter. 

Sincerely, XXXX
Product: Credit reporting 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 U.S.C .1681 Account Fair XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C.1681 sections 602 A States I have the rights to privacy 15 U.S.C . 1681 sections 604 A 2 : It 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 following items of information Any other adverse item of information, other than records of crimes which antedates the report by more than 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, credit repair services, or other personal consumer reports

I submitted a dispute about 3 names that I never used. Experian deleted two of them but left one of them in tact on my credit report. Probably so some illegal immigrant can use a copy of my credit report that is up to a year old and a fake id and social security card from XXXX XXXX. in the City of XXXX XXXX to secure credit on a secondary market.

I had to contact the Consumer Financial Protection Bureau to get Experian to delete the first two names and also consolidate several different formatting of the same address into one address.

I had previously noticed that one of my employers was listed twice and upon looking closer, I noticed it is a fraudulent misspelling. My employer is based out of XXXX, WY and I noticed a similar name had been registered in Texas which I was disputing with Federal Regulators since I am an XXXX  of that company.

Experian also has 3 phone numbers which do not belong to me on my credit report which it did not remove.

In addition to the fraudulent " aliases '' and the fraudulent name of my employer and the 3 phone numbers which do not belong to me, Experian refuses to remove old addresses. Some of them are my old addresses and it is my understanding credit reporting companies have to honor deletion of old addresses as long as you have had the same address for at least 2 years. They are refusing to do this.

The most frustrating part is that one of the addresses which I never lived at was provided by XXXX. I had a XXXX  account from XX/XX/XXXX to XX/XX/XXXX and closed it in XX/XX/XXXXbecause it never showed up on my credit report and it was marketed as a way for me to build credit. It was always paid in full.

XXXX  first reported to Experian in XX/XX/XXXX. 5 years after the account was closed and apparently with a wrong address.