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

I noticed on XX/XX/2022 that a purchase was made at XXXX XXXX for {$1400.00}. I immediately contacted Chase to let them know that I never authorized this transaction and that it was fraudulent. 

A claim was opened on XX/XX/2022, and I was just notified today, XX/XX/2022, that my claim was denied. Chase determined that this purchase was legitimate, even when I told them it was clearly fraudulent. 

Since I never made this purchase and certainly did not authorize this transaction, I filed a policereport with the XXXX XXXX Police Department and sent a copy of it to Chase. Even with this information, they informed me this was not enough proof and the charge for {$1400.00} was valid and I would be responsible for paying it. 

First of all, I never authorized this transaction nor did I make this purchase. Second of all, I never even received any products or services from this company. 

Chase mentioned they would only re-consider my claim if I submit additional proof. 
Submitting proof of a transaction that you did not make or even authorize is extremely difficult since I literally have nothing to reference ( no receipts, no invoice, etc. since I did not even make this purchase ). 

I then remembered XXXX XXXX had the audacity to call and leave me a voicemail on XX/XX/2022 stating that I was not home at the time of their attempted delivery. I am still not clear how they obtained my telephone number. 
This voicemail was sent to Chase, confirming that the merchant did not provide any products or services to me but still charged me {$1400.00}, which I never even authorized in the first place. 

I am very concerned about the legitimacy of this business as they knew about the potential fraud of this purchase, but still attempted to deliver the merchandise anyway. 
Fraud claim was opened XX/XX/2022, and delivery was attempted on XX/XX/2022. 
I am also very concerned with Chase and how they handle fraud disputes. I provided all the necessary proof that I could possibly obtain, which is not much since I never even made this purchase to begin with. They even disregarded the police report that I filed, saying it was not enough proof. 

Chase is attempting to charge me {$1400.00} for a product or service that I did not authorize, nor did I even receive. I also provided voicemail proof to Chase that the company never even provided any goods or services to me. This fraudulent charge should be removed from my credit card account.
Product: Credit reporting or other personal consumer reports

according to 15 U.S.C 1692C you have violated my rights by unlawful communication. Please remove these collections off my credit report. Thank you
Product: Credit reporting or other personal consumer reports

I found a Bankruptcy listed on my report. I contacted the US Bankruptcy Court in XXXX XXXX and received the following information. " The U.S. Bankruptcy Court does not report, furnish, and/or transmit Bankruptcy Court records or other information to the credit reporting agencies. '' I contacted the County Recorder and they repeatedly confirmed that they DO NOT provide any information to Equifax, XXXX, or XXXX, or XXXX XXXX, nor do they ever validate or confirm information regarding cases from the public record. As I have disputed this information in the past and requested reinvestigation, I have reason to believe and do so believe that if the CRA can not VALIDATE the information with the original creditor, they must remove it. 
I believe the information provided to me by the Courts to be factual, giving me reason to believe and do believe it would be impossible for ANY CRA to obtain verification of ANY Bankruptcy accounts reported on my credit report through physical verification of the original signed consumer contract and/or judgment. I have a constitutional right to be left alone, and I have due process rights and privacy rights that have definitely been violated. U.S. Supreme Court decided in Carpenter v. United States, that I have a reasonable expectation of privacy in the whole of my physical movements, including movements in public. As the CRAs are profiting off of the dissemination of this misinformation that violates my privacy and could never be verified/validated/confirmed accurate, they have gained, to my detriment, creating a substantial moral hazard and injured me by causing an interference with my ability to engage in commerce.
Product: Credit card

On XXXX XX/XX/2024, I called the Citi Custom Card Customer Service, toll free at XXXX with my identifying data, phone numbers, credit card number, and name as it appears on my card. They said that they would text me a PIN code but I never received it. They said that they would call me back on the number I was calling from, but never called back. I am unable to update contact information or report the card as lost or stolen. They report that I need a reference number emailed or postal mailed to me to verify my identity and un-restrict the credit card. They claim that this is about fraud abuse. I have never received notification mail to this effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated XXXX funding {$26000.00}, XXXX funding {$26000.00} was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.These accounts was parked on my consumer report without notifying me by mail or phone call .This grounds for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well .As a consumer I have a right to opt out of being reported and now Im exercising my rights to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX  XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX : XXXX, 2022
Product: Debt collection

Im reaching out concerning XXXX XXXX XXXX disputing a concerning incorrect collections report on my account. Despite me clarifying this fraudulent XXXX has repetitive, deny my reported dispute of this falsified collection claim. At first I wasn't sure where it came from until they listed the date of the original accounting information. I've tried to rectify this issue on multiple occasions. At that time I was able to provide Capital One Bank with verified and legal documentation of concerning the police reports that was on my behalf, also enclosed were a photo of my injury, as well as details documents addressing that I was drugged, kidnapped, and robbed all in one night. All financial banking information, banking cards, with my grandmother unreplaceable designer purse. This included everything that I worked for within those two weeks in which was {$760.00} dollars, along with other valuable items that was stored in my purse that evening. 
I'm not sure of the reason why after all this years that a collection company known as XXXX XXXX XXXX had issued me a collection debt. Concerning a well documented local televised criminal investigation in XXXX. Because, I will still able to provide this corporations Capital One Banking and XXXX XXXX with the original police report from my attack on this case has been resolved, closed this includes the credit company XXXX and XXXX as well. I was able to clear up this issue with both companies in XXXX of XXXX. Debt Buyers on behalf of Capital One Bank XXXX card company. 
Accurate account number XXXX Account type Debt Buyers on behalf of Capital One Bank XXXX card company
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I received an overdraft fee of {$37.00}, totaling {$74.00}. I never enrolled in overdraft protection. The account number is XXXX.
Product: Debt collection

Upon reviewing my latest credit report, I identified multiple accounts that appear fraudulent and were added without my consent.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXXXXXX XXXX Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXXXXXX XXXX account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that Experian conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within 15 days of receiving this dispute. 
Summary of Discrepancies The XXXXXXXX XXXX account displays significant inconsistencies in late payment reporting across the bureaus : Experian and XXXX report late payments in XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX shows only three late payments in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately. 
Request for Documentation Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of 30 days and that the results be provided to me in writing. 
Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA.

Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay. 
Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN REPORTING TO THE CREDIT BUREAUS THAT THERE IS A DEROGATORY ACCOUNT REPORTING ON MY CREDIT FILE THAT DOESNT BELONG TO ME. AFTER PULLING ALL THREE OF MY CREDIT REPORTS I NOTICED A XXXX  XXXX REPORTING ON MY REPORT THAT IS NOT MINE. I DISPUTED THIS AND THE CREDIT BUREAUS ARE VERIFYING THAT THIS ACCOUNT IS ACCURATE. I REQUESTED THEM TO SEND ME THE CASE INFORMATION I CONTACTED THE COURT AS WELL TO FIND OUT WHAT IS GOING ON BUT THE XXXX XXXX COURT SYSTEM HAS NO RECORD OF THIS CASE IN THEIR DOCKETS. 

I REQUESTED THE CASE FILES BEHIND THIS BANKRUPTCY BECAUSE THE COURT DOES NOT HAVE THIS IN THEIR DATABASE SO IM NOT UNDERSTANDING HOW THE CREDIT BUREAUS ARE VALIDATING THIS AND CONTINUOUSLY REPORTING THS ON MY CREDIT FILE. I XXXX THE INFORMATION AND A COMPANY NOT AFFILIATED WITH THE COURT SYSTEM SHOWS THE INFORMATION ON MY CREDIT FILE BUT HAVE NO SUPPORTING DOCUMENTATION OF THIS BANKRUPTCY CASE. THE CASE NUMBER THEY ARE REPORTING IS XXXX THIS IS'NT A CASE NUMBER THAT I AM ABLE TO LOCATE IN THE COURT SYSTEM. 

THE COMPANY NAME PULLS UP AS PUBLIC INFORMATION SERVICES WHICH IS A COMPANY THAT PROVIDES CONSULTING SERVICES IN CALIFORNIA. 
I HAVE NO AFFILIATION WITH THIS COMPANY AND I AM UNSURE HOW THEY WERE ABLE TO HAVE ACCESS TO MY PERSONAL INFORMATION AND CREDIT FILE. THIS IS A VIOLATION OF MY CONSUMER RIGHTS UNDER FCRA LAW. HOW ARE THE BUREAUS ABLE TO REPORT THIS TO MY CREDIT FILE WITHOUT PROPERLY VALIDATING WITH THE SOURCE.
Product: Debt collection

This is not an account that is owned by me and I did not authorize anyone to open this account in my name.

I am a recovering victim of ID Theft which arose from a stolen wallet in XX/XX/XXXX and I have kept a vigilant eye on my credit so in XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 ) unknown accounts on my credit and numerous amounts of inquiries which I did not authorize therefore, I exercise my right to request validation for each of these accounts.

On XX/XX/XXXX using the address and account number reported on my credit report I wrote my first letter to Financial Recovery Service , Inc account number XXXX  who claim that I owe the amount of {$810.00}. On XX/XX/XXXX I received a response from the collection agent in the form of statements as proof of validation.

On XX/XX/XXXX I wrote again mailing it by USPS certified mail. I informed them again that the account was unknown to me and to determine if this is an issue of identity theft or somebody with the same name I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account my request was and still is for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay.

I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately.

It is ridiculous that it is now over 8 months since my initial request for validation which is now well over the 30-45 day time frame as per law and this collection company is out of compliance.

Under advise, I wish to informed Financial Recovery Services, Inc that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX Balance : {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Debt collection

This debt does not belong to me and the company does not have a license to collect debt or operate as a collection agency XXXX XXXX ... .account # XXXX ... XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ... .social security:XXXX.. 
Collection agency : Phoenix financial service ... XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote to Equifax to investigate hard inquiries on my credit report I did not authorize. I called the company on there and they said I needed to get with the credit bureaus so that is what I did. Well I never got a response and the unauthorized and false hard inquiries still appear on my credit file with you. I never once gave my permission to these companies to check my credit score. Please investigate this matter and remove them as soon as possible please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

On XXXX, I received a call from XXXX XXXX claiming to work for Mr. Cooper Mortgage company. I have included their information below. The person calling said they were offering refinancing for my mortgage. I told the person I wasn't interested, but they said they could run a soft credit check on my score and that it would not be a hard inquiry. I never finished having the conversation with the person because I was interrupted, and I said I would call them back. I never authorized them to pull a credit report, soft or otherwise. After consideration, I decided I didn't want to continue the conversation and did not call them back or return their calls/emails. Today, XXXX I received a letter saying that my credit was pulled from XXXX, which I did not authorize. The person who called me is listed as follows : XXXX XXXX XXXX # XXXX XXXX XXXX mrcooper.com
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, Your Name XXXX XXXX
Product: Checking or savings account

Wednesday XX/XX/2024, I received a text from my bank requesting verification of an out of state charge. I replied the charge was fraudulent. Then I received a call. The caller claimed to be a Chime Bank representative ( my bank ) and wanted to help me prevent the charges that were trying to be applied to my account. 

I was dubious at first because I didn't know the number. So the caller told me to verify the number they were calling from as matching the customer assistance help number on the back of my bank card. I checked, and the numbers matched completely. So I followed the instructions as they walked me through how to prevent the fraudulent charges from happening. They had me move money so they could verify with me that my banking app was working correctly. That led to my money being stolen. 

As soon as I realized I was scammed and broke, I called my bank again and reported it. Not more than fifteen minutes after the scam call. The bank said they would file a dispute and it could take as long as 4 to 6 business days for them to decide if there was a problem. 

At XXXX on Wednesday XX/XX/XXXX, Chime sent me an email saying that they were not at fault and had no obligation to resolve any issues leaving me completely broke and without a hope of getting several XXXX dollars back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file with Experian in reference to XXXX XXXX  account showing charged off in the amount of {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights 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.