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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA charged my Capital One credit card the amounts below. XXXX did not see the credit card ; Capital One said, " The card was not present ''. So XXXX  processed the transactions below twice WITHOUT CONFIRMING A PIN NUMBER. 

XX/XX/2019 {$60.00} XX/XX/2019 {$53.00} I have also reported this to CAPITAL ONE. They have resolved the XX/XX/2019 charge, but the XX/XX/2019 charge of {$53.00} is still on my account. 

Obviously, XXXX  is accepting orders over the phone with just the credit card number and not asking for the PIN number. This is encouraging FRAUD. 

I live in Pennsylvania, so I hardly ordered pizza from California! I would think this procedure at XXXX  is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps reporting thi colection account the account is closed and on my credit report its active every month it shows it decreased when the debt is charged off
Product: Checking or savings account

Complaint Details : Issue : Failure to provide provisional credit within the required timeframe following a chargeback dispute Date of Original Transactions : XX/XX/XXXX and XX/XX/year> Merchant : XXXX XXXX ( outdoor apparel ) Date of Dispute Initiation : XX/XX/year> Background and Facts : I filed a dispute with SoFi on XX/XX/year>, after two purchases made with a new retailer, XXXX XXXX, on XX/XX/XXXX and XX/XX/year>, for outdoor apparel. Despite repeated attempts to contact the merchant, I received no response and never received the goods I ordered. I provided SoFi with copies of my transaction details and copies of my unanswered emails and documented phone calls to the merchant. 

The SoFi chat agent confirmed the submission of my written chargeback request on XX/XX/year>. However, as of XX/XX/year>, I have yet to receive either a provisional credit or a final resolution. 

Relevant Regulation : Under Regulation E, 1005.11 ( c ) ( 2 ) ( i ) of the Electronic Fund Transfer Act, financial institutions are required to issue a provisional credit to a consumers account within 10 business days of receiving a dispute if the investigation can not be completed within that timeframe. In my case, the 10-business-day window has elapsed, yet SoFi has failed to provide this provisional credit.

Failure to Adhere to Federal Regulations and Poor Customer Service : On XX/XX/year>, I contacted SoFi to inquire about the status of my dispute and spoke with an agent named XXXX. He informed me that my case was " still under investigation '' and implied that I would only receive a provisional credit if I " asked nicely '' and directed my request to " the right people. '' XXXX statement directly contradicts federal regulations, which mandate provisional credit after 10 business days in unresolved cases. No additional contacts, timing updates, or assistance were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

About two weeks ago, I received a notification from a credit monitoring company that derogatory information about a collection activity was added to my credit report. Having an account with the credit reporting bureau, I was able to see the amount ( {$160.00} ) and the name of the collection agency. I did not recognize the debt and filed a dispute, then contacted the collection agency. I asked the collection agent about the debt and was told it was a balance left from enrollment fees for a university. I recognized the university as the one I enrolled in back in XXXX, which I only attended a couple of days and stopped going. Shortly after this, I went into the military for 22 years. Even though I never received notification or had any idea this debt was out there, it seemed possible that this debt was legitimate, so I paid the full amount with a credit card over the phone with the collection agent and was emailed a receipt. I did this without proof of the debt being the remaining balance from my enrollment fee from back in XXXX. The earliest date on the credit report is for the placed in collections date of XX/XX/XXXX. I have not had any dealings or anything to do with the university since XXXX, The first credit reporting bureau that I filed a dispute with quickly removed the collection from my report and returned the points back to my credit score. I found that a second credit reporting bureau was reporting the same derogatory information, so I called to speak with a representative to file a dispute. I explained what the collection agency said the debt was for and if correct, was a debt incurred 35 years ago and that I had no knowledge of until showing up on my credit report two weeks ago. I also explained that it was likely that the collection agency changed the original delinquency date and if not, then this was fraud. Yesterday, I received the results from the investigation with a determination of verified as accurate. How does a 35-year-old debt that I never knew about go on my current credit report for the next 7 years? This does not seem right, and I dont know what else to do.
Product: Credit reporting

I have disputed the ( XXXX ) Chapter XXXX several times, we only filed a Chapter XXXX that was discharged XXXX/XXXX/11. I have requested several times that they send me information on the XXXX Chapter XXXX that are on my reports, no response. I am attaching my chapter XXXX discharge papers on case # XXXX.
Product: Credit card

Hello, good afternoon I have a issue with a transaction so I had to dispute it and discover card some how determined in merchants favor Dispute # XXXX I explained when I was submitting the dispute I never received my groceries I ordered for my grandmother from XXXX either the dasher delivered to the wrong address and left the food at the wrong door but I never received any groceries from XXXX that day. I Then reached out to XXXX and they were going to reship a replacement order but they ended saying they couldnt prove me any reimbursement for this order so thats when I had to dispute the purchase because the merchant never provided the services I paid for I submitted a letter to discover saying I wanted to continue the claim because Im obviously out of {$130.00} of groceries I paid for and never received I would also like dispute number XXXX reopened because I wanted to continue that claim I had explained in that claim I received the wrong XXXX order from XXXX XXXX I received XXXX XXXX  XXXX meal combos when I cant even eat XXXX and XXXX support didnt care so I need that dispute case reopened
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to put credit freeze with all three credit companies. I was able to do it online with XXXX XXXX and XXXX, but Equifax was giving me Error code NH and advise me to call customer helpline. I called the line and was told they can not freeze my file because they don't have any credit records on me. 
I told them I don't use credit but afraid of some one else might try to use credit fraudulently under my name and that's why I wanted to freeze it. Even supervisor told me can not be done. 
My argument is if they can do the freeze for minors without any credit records under their file, why can't they freeze an adults file without any credit records. As an adult my credit is more at risk than minor who is not even legally eligible for credit. 
As I stated above, I already have freeze with other two agency, I don't understand the logic of EQUIFAX not allowing it to happen. 
This needs to be change before somebody opens up some credit under my name, because EQUIFAX refuses to put freeze on my name.
Product: Credit reporting or other personal consumer reports

I Have been disputing serval accounts and items on my credit report for almost a year. I have requested that a address that does not belong to me be removed. and Experian has refused to do so I have provided my correct address and even have provided my Driver 's license the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX doesn't belong to me. I have asked for this to be removed, and they have refused to remove is and it's not mine. this whole thing has been a mess! I'm being treated poorly, and I am the victim.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Collection agency has failed to remove the debt from my credit report after I paid in full. Collection agency representative can not give me a date as to when it will be removed. Agency representative said it was " a good thing I called or it would have just sat here with a XXXX balance, if I want it removed I can go ahead and have the credit company call them ''. Company never informed me of intention to report to credit agency. This has all happened during COVID when finances have been at their worst.
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 {$880.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$880.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Email : XXXX XXXX, Equifax XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, 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 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX KY XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX IA XXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$970.00} Account Name : XXXX XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$2200.00} Remove Fraudulent Inquiries listed below : XXXXXXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Inquiry, XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$3900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2400.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balanace {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$690.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX  Date XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I Have a Hard Inquiry on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX which was put on here on XX/XX/year> I never heard of these people and I haven't applied for any thing I called the XXXX ( XXXX ) XXXX number and the lady said they was a loan company I told her that I didn't apply for nothing. Then she said she had an application that was in their office approved for XXXX dollars. I told her I didn't apply for that so she said you might be a victim of identity theft .You need to file a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XXXX of 2021 i took out a {$900.00} title loan from The Cash Store. I made my XXXX, XXXX, XXXX, & XXXX payments of {$320.00}. So right there ive already paid balance, but in XXXX unemployment was cut off in texas and I could not make last payment. Well in XXXX I was able to pay on loan and it shouldve paid it off, but they made me refinance it for {$500.00}. I made the {$300.00} XXXX payment and the {$210.00} XXXX payment but in XXXX I got XXXX and lost my job. Now they are wanting to repossess my only vehicle ( for myself and XXXX kids ). They are charging over 300 % interest. Someone please help me. Ive paid off what was borrowed plus more. The paperwork from XXXX shows i refinanced {$550.00} plus fees for a total of {$710.00} ( after already paying {$1200.00} towards for amount ) but the break down payment schedule shows I will pay back {$1200.00}. Thats {$2400.00} for a {$900.00} loan.
Product: Credit card or prepaid card

Sent attached secure message to Fidelity Credit Card on XXXX XX/XX/2021, but NEVER received a response ... ...
Product: Debt collection

XXXX XXXX  has called me 5 times before XXXX XXXX  today. Upon picking up she immediately threatened me by saying she was helping me avoid a lawsuit. I simply told them to stop calling and they deny calling as many times as they have. My phone records beg to differ. Each time they call, they call twice! 

The second part of threatening a lawsuit is a much bigger deal. That is not allowed and is highly unethical.
Product: Credit reporting or other personal consumer reports

Despite my numerous efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has significantly impacted my life, causing undue stress and anxiety. I want to emphasize that I never authorized or consented to the inclusion of this information, as I am a victim of identity theft.
Product: Credit card or prepaid card

Stay away from Synchrony Bank and its affiliates. 

This bank uses unfair and deceitful practice in its dealing with credit holders. They start by offering customers credit cards through local retailers such as XXXX XXXX. Once you make charges on your card, they adjust your credit line to much your balance. This action makes your credit usage to be at 100 %. As a result your credit score drops and they later can charge you higher interest rate on the existing balance using " Information received from Credit Bureau '' as a pretext to increase interest rate. Thus putting you in more debt and ruin your credit worthiness for their gain. This is a fraud that needs to be investigated. 

I highly recommend that people and businesses stay away from Synchrony bank.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Scammers took hold on my account, changed my phone number on file and transferred {$5000.00} in two equal transactions out of my account with XXXX XXXX  Credit Karma There was {$87.00} fee. 
I have been a member with Credit Karma since XXXX. I have an electronic account that I use with them as checking I received an email notification that a transfer was made out of my account and immediately logged into my account. I saw the phone number on file was changed. I changed my password and the fraudulent number to prevent further transfers. 
I contacted Credit Karma to report the issues and was told an investigation would be launched. 

On XX/XX/XXXX, I received communication that my request my denied, that I authorized the transaction. 
This decision caught me off guard as i thought the bank would easily follow the follow the phone number that was used to defraud me of my money or that they would track the account where the money was deposited, both of which are not clearly mine. 
I look forward to your help so I can get my money back. 
I have attached a letter from Credit Karma and the addresses and phone numbers of the bank and Credit Karma. 

I requested a copy of documents used to the the determination but have not heard back from Credit Karma. 
At this moment all my bills are not paid and I look forward to your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Karma Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcreditkarma.com XXXX XXXX XXXX XXXX
Product: Debt collection

I received a debt collection letter from AMCOL Systems in regards to a debt owed to XXXX XXXX XXXX. The letter did not include any information on the dates or services of this debt. I have been on a payment plan with XXXX XXXX for the past few years regarding all bills I have received. I have called them consistently to update my account and adjust my payment plan as needed. I spoke to them as recent as XXXX XXXX XXXX to make sure I was paying on my account and to adjust as needed so when I received this collection letter from AMCOL I wasn't sure if this was a scam or what to think. I contacted XXXX XXXX as well as AMCOL to dispute this debt as I have been paying on my XXXX XXXX account through direct deposit. I am waiting on documentation from XXXX XXXX
Product: Consumer Loan

I am writing regarding inaccurate information being reported on my XXXX Credit Report by Credit Acceptance Corporation located in XXXX, MI. My auto loan account with this company was included in a Chapter XXXX Bankruptcy, which was filed XX/XX/2016 and discharged XX/XX/2016. Upon reviewing my XXXX credit report after the bankruptcy discharge, I noticed that the company reported I " failed to pay '' XX/XX/XXXX. My account was paid and never late prior to the bankruptcy filing. Additionally, I continued to make payments after the date of bankruptcy filing date. In the end, the vehicle was included in the bankruptcy. 

I have filed multiple disputes with the XXXX Credit Agency regarding Credit Acceptance 's derogatory information, which included my bank statements verifying that I have never made a late, only to have the company respond to the dispute confirming that the " failure to pay '' is accurate. 

The negative " failure to pay '' that is being reflected on my XXXX Credit Report is causing my credit score to have nearly a XXXX point difference than the other XXXX credit reporting agencies. This is a significant difference and has impacted my ability to rebuild credit after my bankruptcy. The substantial difference is a red flag to potential creditors.
Product: Payday loan, title loan, or personal loan

I received an email last year in reference to a product called balance connect. I was denied. I received another email applied and was denied again this month. Both caused hard hits to my credit. They shouldnt offer unless they send requirements including credit score requirements.
Product: Money transfer, virtual currency, or money service

I sent money through Zelle to a fraudulent company. I tried to get the money back from the company but went ignored. I tried to contact Zelle and my bank and was told by both that there was nothing that they could do.