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

On XX/XX/ I took about XXXX adults and XXXX kids to XXXX. I put the transactions at different times because everyone arrived at different times. One of them didnt show up so I had to get a refund. At XXXX we were riding the monorail and one of its compotents above our heads opened up and hit me in the head. Its a pretty heavy components so it left a bruise. I told the employees at the park and they took it out of service. Needless to say i was fine for the day. Me, my wife and XXXX kids ( my kids birthday ) left the park. 
I contacted XXXX but they said to dislike it and they would credit me. Do I disputed the charge with my credit card company and XXXX wrote back to chase saying service was rendered. When I spoke with XXXX XXXX from chase he said the dispute team coded it incorrectly. It shows service never rendered and it was it just wasnt as expected. He said he had to close out the disputed and that I would have to start over with the correct coding. On XX/XX/ I got a letter that said it was closed out and I called chase to redispiye the charge. They said I had to write a letter to redisputed the original disputed. I informed them that the person ( I gave them his contact information ) whom is handling the case said I had to redispute it. They said they wont do it and I was out of luck. Managers name is XXXX XXXX whom said he so f help me. I said can he contact the other person whom is also from Chase to find out the correct way for me to fix this issue. He said he will not contact his colleague and I was out of luck. Please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Agency 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 has 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 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 the following items 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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gig purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to review my credit report online since XXXX 2023. I have contacted the company on multiple occasions to receive assistance and the problem still persists. Theyve updated my address, reset my account and nothing is helping.
Product: Credit reporting or other personal consumer reports

So I have been a victim of fraud before. After taking a look into my credit report with my advisor I have seen more accounts on my report that I know wasnt me. There were 4 credit card accounts and XXXX inquiries that I dont recognize. The credit cards were 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
Product: Payday loan, title loan, personal loan, or advance loan

Agreed to a settlement with leap credit of XXXX in the amount of XXXX paid the first payment of XXXX. Then received a default judgment on this due to their attorney taking this to court. Then I received a wage garnishment in excess of XXXX dollars. Tried to contact the court they wouldn't help, tried contacting the attorney no reply. Contacted leap and they were confused about the attorney going to court
Product: Payday loan, title loan, personal loan, or advance loan

I Never Went Online Or Signed Any Thing Online To Get A Loan With Speedy Cash USA. But! They Want Me To Pay Back What I Took From Them. I Have A Attorney From Speedy Cash USA To Come After Me For The Money. Witch I Don't Apply For. I? Didn't Sign For Any Money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Quicken Loans to see if I wanted to refinance my home mortgage. They asked for permission to pull my credit in which I denied. After we get off the phone, I get a notice on email that my credit was pulled anyway by them, contrary to me not giving them my permission. I called the representative XXXX XXXX who advised that he made a mistake by pressing a wrong button and pulled my credit anyway. 
There is no mistakes in pulling someones credit when I just got off the phone with him denying him that access. My credit was not AUTHORIZED to be pulled on XX/XX/19 by XXXX XXXX from Quicken loans
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I already contacted the credit bureau on XX/XX/2023 and again on XX/XX/2023 through certified mail. However, they sent me an updated credit report stating the accounts have been verified. I need to have these accounts removed they are not mine. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX I also submitted my identity theft report from the Federal Trade Commission, and my husband 's police report to the company, and they are still reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXXXXXX -BALANCE {$9100.00} - DATE XXXX Account Name : XXXX XXXX XXXXXXXX -BALANCE {$48000.00} - DATE XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -BALANCE {$3400.00} - DATE XXXX Account Name : XXXX XXXX XXXX XXXX XXXX$3400.00} - DATE XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX -BALANCE {$4800.00} - DATE OPENED : XX/XX/XXXX Account Name : XXXX XXXX # XXXX -BALANCE {$1300.00} - DATE OPENED : XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Prepaid card

After an initial complaint regarding an unauthorized transaction on my son 's family XXXX card that created a negative balance which was rolled into my account, AmEx issued a " provisional credit '' pending the outcome of their investigation. Their letter dated XXXX/XXXX/2016 stated if their investigation found in favor of the vendor, the credit would be reversed - which it was on XXXX/XXXX/2016 - leaving a new negative balance, I believe AmEx only issued the credit to stop the CFPB and XXXX response clocks. Since there was noresolution, this is a new clock and now includes the FBI XXXX XXXX XXXX. 

AmEx wants me to make a deposit to remedy the negative balance ; but the vendor ( XXXX XXXX ) that AmEx claims they found in favor of has no record of the transaction. How is it possible I can be held liable for a transaction I did not initiate and the vendor has no record of receiving? A subsequent conversation with the vendor, their card processor ( XXXX ) and AmEx resulted in the same run-around tactics I 've dealt with since my original call to AmEx. I do n't owe them money, but they have debited {$980.00} from my account ( {$490.00} X XXXX ) Please help me get to the bottom of this.
Product: Debt collection

On XX/XX/2019 a consumer report from mystery shopper from the program updated on spam list of emails was reported a lead tipper in financing debt from XXXX cards of infractions of XXXX dollars at a time. the institution revised a debt consultation of board of member to asset the amount an fund the sum in access to the debt collector for shopping compromises sent by domain email subcribers that reported to the family to destruct criteria in the amount proposed as a scam in debt. in the amount the the collection agency was deemed to have paid from the claim and left a revised attempt to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is passed the 7 year mark. Last payment was made in XX/XX/2013. I have proof of this. Please remove this account as it is 7 years since last payment. 
XXXX Account status XXXX XXXX opened XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was forgiven and removed in XXXX now its new as counts open saying XXXX all are incorrect there was never any late payment history Ive lost XXXX  points in 3 DAYS from Equifax they say its verified but hasnt produced and proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2019 Report/Complaint/Dispute To : CFPB Re : ( XXXX ) XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, TX XXXX Dear Sir or Madam, Account number XXXX On XX/XX/2019 I entered into a contractual agreement with the above company ( s ) for a loan in the amount of {$3000.00} dollars. On XX/XX/2019 the company reported the transaction to XXXX as a new account. Each subsequent month to date the company reported the same transaction to Experian, and XXXX as a new account. As a result my credit rating has reduced dramatically causing much Financial HARDSHIP and PUNITIVE injury! 

I am filing this complaint because of the above dispute with the above company of which I tried to resolve without success. Verification of my complaint are attached. 

Yours truly, XXXX XXXX CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX account number XXXX High Balance is  reflecting XXXX dollars however the balance due is reflecting reflecting {$520.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX, and TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has 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 1666B : 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: Credit card or prepaid card

Gentlemen, In attempt to find out what has been affecting my credit score fo r 2 years exactly I 've come to discover a shady Adverse account used against me.   SYNCB/OLDNAVYDC is found to be behind the adverse informations.   Actually I can recall that I received a letter from  Old Navy,   XXXX   XXXX , Connecticut claiming some payment over some credit Card that I 've never applied for and that I have never received either. And right upon the scene I called the number provided and rejected all ties and all claims related to that creepy credit card ... I also asked them to cancel anything they might have regarding my address and my personal informations and since then I never heard anything from  old navy  Until I come to discover the report made against me.   I was 2 times in the store and paid cash whatever I bought and I remember They asked me if I wanted to file for the store reviews and I only gave them my email and names 2 years ago.   I do n't accept store credit card offers and I 've never applied for any type of store credit card which I do n't need.   Please look into this and bring me justice.   Thank you!     Thank you
Product: Credit reporting

A fraudulent account is appearing on my Equifax credit report. I believe I 'm a victim of identity theft and have disputed this account with Equifax. 
Equifax refuses to remove this account from my credit report after numerous dispute attempts. 
The company that is reporting this information, XXXX XXXX Bank XXXX, account number XXXX has been rude, unprofessional and unhelpful in my attempts to figure out why this is appearing on my credit report.
Product: Credit reporting or other personal consumer reports

They keep harassing me on debt I have no knowledge.
Product: Checking or savings account

Early on XX/XX/2023, I received a phone notification that my Chase account password had been changed. I immediately called Chase 's Fraud department. The person I spoke to on the phone told me it was just a password reset attempt and no one had gotten into my account. I was relieved. After hanging up, I was checking my email and noticed that I had an email from Chase saying that my email address on my account had been changed. Clearly, the representative I spoke to was wrong. 

I called Chase 's Fraud department again. This second person that I spoke to helped me get my username and password changed. The representative wanted me to install anti-virus software because she believed I had been hacked. I asked what the scammer had done while they had access to my account and was told no transactions had been done. This second person was wrong. I noticed that nearly half a million credit card points had been transferred out of one of my credit cards. The representative then transferred me over to another department to get this fraudulent transfer resolved. I got stuck on hold for about 45 minutes and then was disconnected. 

The third Chase representative that I spoke to helped me reverse the transfer of my credit card points. As she was trying to verify my identity over the phone, she luckily let slip about a call from me 3 hours earlier. But I had only started my calls to Chase 2 hours earlier. The representative listened to the recording from 3 hours ago and divulged that the caller did not sound like me, could not answer my personal security question, and didn't have access to the PIN codes that go to my phone. And yet, the employee from three hours ago still let that person into my account!! 

Since I had to cancel my credit card while traveling abroad, I ended up incurring about {$75.00} in foreign transaction fees on my less privileged non-Chase credit card. When I finally got back home a month later, I walked into my branch to see about getting access to that recording since I was worried about the security of my account as my password, PINs, and security question did so little to protect me a month earlier. I wanted to know whether it was an employee mistake, some private information they had of mine, or some kind of unknown access this person had to my devices. 

Chase refused to give the recording to me or even summarize what had happened. They informed me that I would need to file a police report and get the recording subpoenaed. My police department has said since the dollar amount is so small, they would not go through the effort of a subpoena. All I am asking for is someone to tell me what happened during that call in which a scammer convinced a Chase employee to let them into my account. 

Should I be concerned about my account security? Do I have other accounts that have been compromised? Do I need to take additional steps to secure my data? I don't know how to answer these questions because Chase refuses to help me fix the mistake that they made or even admit that they made a mistake in the first place.
Product: Credit card

I applied for a credit card from Capital One XXXX the Capital One XXXX XXXX online on XXXX/XXXX/15 and was instantly approved. On XXXX/XXXX/15 I received XXXX a letter in the mail ( dated XXXX ) saying that I had been approved for the card and, in a separate letter, the card. 

I called into activate the card and was then told that my card had been closed because of " fraud ''. They would not tell me what the reason is or give me any more details and after spending hours trying to find an answer was finally told by a supervisor that their fraud team had spoken to someone on XXXX/XXXX/15, and that the person told them he/she had not applied for the card. They would not give me any more details, such as who they allegedly contacted or why they called that person when I had n't even received or activated my card yet. Of course I was never contacted by Capital One, only gave my contact information in the application and did apply for the card. There was no fraud involved in my application and if they claim there is I believe I should be informed of the circumstances. Applying for the card affected my credit score and negatively impacts my ability to get credit generally. I applied for a card, was told I was approved for it ( and indeed received it ) and then had my account shut down without any explanation before I could even activate it. I feel misled as a consumer and am extremely upset by the lack of transparency by Capital One, especially in a potential fraud situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the 3 credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a 3rd dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. 

With XXXX XXXX, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to COVID, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! 

For the XXXX XXXX XXXX XXXX XXXX account, there are 2 late payments reporting, neither were valid either! One of them, they admitted to their system being down due to COVID and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened 2 new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. 

For M & T bank, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Bank told us that we could get the vehicle at the dealership which had a different vin after the loan had been funded for a vehicle with a different vin. They advised us that it was just a matter of reforming the loan to reflect the alternative vin number as the loan amount was not changing. We confirmed wit hthe back that we could picup the vehicle before the loan / check was amended to apply to the collateral with different vin, also a XXXX XXXX, also brand new, also from the same dealership. I have a phone recording of Bank of America indicating as such. Now they backtracked and want a new application and upon doing a new application they are offering a loan roughly 1 % higher. Additionally, they should not be allowed to lie to their clients.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered unauthorized inquiries and misleading accounts, and addresses linked to my profile. These are not affiliated with me, and I never authorized them. Kindly remove them immediately from any association with my identity.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX