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

On XX/XX/XXXX, I noticed 25 fraudulent charges had posted to my Chase credit card account between XX/XX/XXXX and XX/XX/XXXX, totaling {$1900.00}. These charges were not authorized by me, nor did I receive any benefit from them. I reported them as fraudulent to Chase via phone that same day and they were removed from my account. <p> On XX/XX/XXXX, I noticed Chase re-posted all of the fraudulent charges back to my account and notified me that their investigation determined that the charges were valid because I benefitted from them. <p> On XX/XX/XXXX and XX/XX/XXXX I called Chase to dispute their finding and request any documentation related to their investigation. I was placed on hold several times for over 30 minutes and transferred to different departments. Neither call resulted in Chase forwarding documentation as requested. I similarly emailed their fraud department as suggested over five times with similar requests. No documentation has been received. <p> While waiting for Chase to send over their documentation, I began collecting my own evidence related to these charges in an effort to prove they were not made nor authorized by me, nor beneficial. For instance, one of the charges occurred at a XXXX XXXX on XX/XX/XXXX for {$83.00} at XXXX in XXXX , CA ( see attached ) by someone with the name XXXX . However, during this time, I was meeting with a patient in my home-city of XXXX XXXX, 380 miles away and can prove so.As I slowly collect other receipts from vendors, as Chase so far refuses to send me any of their documentation, I realize that many of the charges occurred during times when I was meeting with patients hundreds of miles away ( I am a XXXX ). <p> I have never spent anywhere near {$1900.00} on restaurants in a similar period, especially in locations far from my home. It is ridiculous that Chases fraud service did not detect nor notify me earlier of these charges. And it is also ridiculous that as a XXXX, during a pandemic, I have to waste my time fighting Chase over these clearly fraudulent charges.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/JC PENNEYS has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continuing to report a 30 day late when in fact it was an accident and total loss and they were paid out. After the accident when I report the accident to the company I asked what I have to do going fwd and the lady on the phone said that if the accident was reported to my insurance and I said yes. She then said the insurance company would handle the rest of it from their end. When I asked about how the payout works she said that as long as the gap insurance covered the balance then should be nothing else owed but if not I could owe. I then told her that XXXX already said they were covering the full cost. She then said that I should be fine and then I did not have contact with them until later when I seen a 30 day late. So for years I have been trying to get them to remove the late. They have record of when the accident was. They have the full payout so there was nothing else I could have provided. To have this remain on my credit and hurt my credit serves them no purpose. Their company gets nothing out of it but I have been continued to have this as a mark against me. There was nothing for me to hide or not pay them for outside of the fact it was a total loss and they were getting the payout from the insurance company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : SEQ 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTIM OF IDENTITY THEFT, THIS DOES NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and Experian for the last year or so regarding inaccurate information that is being reported on my credit file concerning bankruptcy. Every time I would reach out to these three companies, to have them remove this bankruptcy due to inaccurate information, they keep stating the company that reported the information to them has certified to their company, the information is accurate. I've asked them several times to provide me with the name of the company and the name and the telephone number of the person, who verified the information, and the documents that were sent to your company to verify this information. Also, these 3 bureaus companies are lying and reporting false information because I reached out to XXXX XXXX and I called them and they stated that you all have not reached out to them because they dont have anything on file and Ive also included the letters that I received from them as well and also I included a letter from the courts stating that they do not report anything to the credit bureaus. So, how are you really verifying this information? Once again, please delete/remove this bankruptcy and send me an updated copy of my credit report. PLEASE DELETE IMMEDETIALY.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Checking or savings account

Chase bank had locked my checking account because they considered my redeeming my rewards activity of {$280.00} to my XXXXXXXX XXXX account suspicious activity. The transfer was made to my stash account under their name XXXX XXXX XXXX  on XX/XX/XXXX. It was sent to my correct XXXX XXXX account number and routing number. I have made several transactions to my XXXX Account since around XXXX without any issues. It is also interesting that I made more purchases than usual on my credit cards over the last three months while my household waits to receive more pandemic funding. This increase in purchases did not draw any suspicions but a rewards transfer to my XXXXXXXX XXXX account is deemed suspicious? This shows you the bias issue that Chase has with its XXXX customers. 

Since around XXXX am this morning XX/XX/XXXX, I have tried to resolve this issue. I thought everything was taken care of with the last customer service specialist. I even called to verify if it was safe for me to transfer funds to my XXXX account as well as my XXXX  account, without drawing suspicion which I did, once I got the " Okay. '' This was completed around XXXX PM. Now Chase has locked my account a second time for suspicious activity. I'm currently on a second, over XXXX hour waiting on hold, while I file this complaint. The current time is now XXXX PM. I have not eating lunch and I'm starting to feel light-headed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account with a balance to my credit report that I do not owe. This account has been paid off and should not be reporting a balance, this is in violation and needs to be removed.
Product: Vehicle loan or lease

FIRSTBANK FLORIDA 4 6 POTENTIALLY NEGATIVE MONTHS Balance details Balance on XX/XX/XXXX Original loan amount {$19000.00} Account info Account number XXXX XXXXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan
Product: Student loan

My complaint that I submitted earlier on XX/XX/2018 on XXXX XXXX XXXX XXXX XXXX was NOT A DUPLICATE, CFPB! If a human actually reads these complaints, then you should've SEEN that! I submitted that complaint in reference to the INCOMPLETE INFORMATION THEY SENT TO ME. Please reference the complaint ID in the 'fair resolution ' section! They sent me documents that DID NOT REFERENCE THEIR COMPANY as " proof '' that I have a loan with them! I never signed a consumer agreement with them -- and they must provide a scanned copy of the original consumer contract WITH THEM ( not a copy ; in its original form ), bearing my actual signature. If they can not DO that, then they must delete the account ( s ) reporting on my credit reports. Nor did they verify or validate the addresses in the documents as 'mine ' and provide the method of verification for everything. I requested this from the beginning and did not get this EITHER. IN ADDITION, they sent me bills, statements, and itemized lists of disbursements, all of which DO NOT qualify as proof that an account belongs to a consumer! CFPB, you are being complicit in their negligence. If this continues to be denied, then I will see to it that YOU all get reported to the institutions who have control over YOU. This is NOT right!
Product: Credit reporting or other personal consumer reports

TransUnion, I am a victim of identity theft and have fraudulent information on my credit report which needs to be removed immediately. 

Attached are : - drivers license - social security card - address - complaint - ftc report Have these items removed immediately.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against XXXX for their mishandling of my student loan deferment request, which has resulted in significant and unwarranted damage to my credit score. 

On XX/XX/year>, I submitted a request to defer my student loans due to my enrollment in school, along with all required documentation. XXXX initially rejected my request, incorrectly stating that the official 's signature was missing, a mistake they later acknowledged because the officials signature indeed was there. XXXX, a loan specialist at XXXX, assured me that the forms would be reprocessed. 

As of XX/XX/year>, my deferment request has still not been processed, and I have experienced a drastic drop in my credit score of 60-80 points. My credit report shows remarks such as " Loans deferred '' and " All payments made on time, '' yet despite these positive indicators, my score has significantly decreased. Additionally, my XXXX account continues to show that I owe loan payments, which I believe is due to their failure to process my deferment. 

Further, I have noticed that XXXX has made 18 changes to my credit report during this period. This is an excessive and unnecessary amount of changes for a simple deferment request, and it has directly contributed to the substantial and unjustified drop in my credit score. 

This situation is causing me undue financial stress and impacting my creditworthiness through no fault of my own. I am requesting the CFPB 's assistance in ensuring that XXXX corrects the errors on my credit report, properly processes my deferment request, and rectifies any inaccuracies in their records that are currently harming my credit score. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a formal dispute through the Experian website, challenging the accuracy of several items on my credit report, specifically : Incorrect reporting of a Bankruptcy, Inaccurate derogatory accounts, Incorrect personal information To support my dispute and verify my identity, I attached the required documents, including : A copy of my government-issued ID My Social Security card Proof of my current address Despite my compliance with the Fair Credit Reporting Act ( FCRA ) requirements, Experian has not responded to my dispute or initiated an investigation within the 30-day timeframe mandated by law. This lack of response and failure to conduct a reasonable investigation is a direct violation of my consumer rights under the FCRA. The inaccurate Bankruptcy, derogatory accounts, and incorrect personal information continue to negatively affect my creditworthiness and do not reflect an accurate representation of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 credit reporting company that has several inquires on it that I didn't authorize. I called Transunion and they refused to investigate or remove the inquires. The inquiries in question are below. 

XXXX XXXX Bank Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX DC Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX and XX/XX/XXXX
Product: Debt collection

I am presently having compliance difficulties with the company named, " Financial Recoveries   XXXX. '' The company 's contact details are, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, N.J. XXXX, with their telephone being ( XXXX ) XXXX. 

On XX/XX/XXXX at XXXX XXXX - I got a call from Financial Recoveries, however, the agent on the receiving end kept on asking me " XXXX - hello - are you there? '' I also overheard this agent commenting to an unknown co-employee, saying, " Traditional Medicaid ; I can't ever do it. '' Seemingly alluding to a computer problem on their side of things. 

The problem that I must have corrected, is the company is failing to pay the medical bill using my Fee-For-Service Medicaid. In XXXX of XXXX, I had been approved for Medicaid, and I received a retro-active benefits letters, and that letter explains that I've got coverage three months before XXXX, and proceeding to the month of XXXX - using F.F.S. Medicaid. 

The F.F.S. Medicaid number is XXXX. I have given my number to the company three times. The company is aggravating me very MUCH. They keep calling, all while failing to process my medical bill with Medicaid - and I have discovered today that they've sent my collections to my credit file, and I am not deserving of this. This should NOT be happening. I am COVERED and I am demanding this problem be FIXED immediately.
Product: Debt collection

I C SYSTEM INC is claiming that I owe them {$500.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  Balance : {$300.00} XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX Balance : {$8900.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX
Product: Checking or savings account

I wrote a check on XXXX for {$1800.00} for my rent. It was stolen from the mailbox at my business boxes and altered and deposited to XXXX  XXXX XXXX for {$10000.00} and cleared my bank ( Chase Bank ) on XXXX. On XXXX I went to Chase Bank & filled out the declaration of Unauthorized Endorsement, then I went and filed a police report. 

As of today XXXX I still have not received my money back. I have sent Chase all of the documents that they have requested via fax because they say that is the only way I can send documents then it takes 48 hours to be uploaded to the system. They kept telling me they had not received my doc 's so I went to the bank and had them send over all of the documentation. Chase Bank has been a real headache thru this process, with today 's technology I should be able to email them while on the phone so they can tell me they received them
Product: Credit reporting or other personal consumer reports

I have too many errors to my credit score, and too many inquiries that I don't know
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!