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

I applied for XXXX cc accounts ( XXXX consumer and XXXX for my company ) back in XXXX of last year. I had built my credit up over a period of a few years to the high XXXX 's and hadn't had any cc 's for a number of years so decided to apply for a few to take advantage of some of the perks and benefits ( travel miles, cash back, etc ) that many of of the CC companies offer these days. I was approved for the XXXX mentioned above with Chase ( plus a couple others from other institutions ). At the end of XXXX my work took me to XXXX XXXX and in XXXX, the whole Covid crisis hit and my business was dramatically impacted ( not for the better ). 

Luckily ( or so I thought ) I had the credit cards available as a back up to keep things going. While I did wind up having to max them out, I never once missed a payment ( nor was I ever in any danger of doing so as things were beginning to pick back up ). Imagine my surprise then when not XXXX, but all XXXX of my cc 's with Chase were closed all at once in XXXX. This ultimately wound up putting extra strain on my business as I was unable to access any funds I had paid down as things were still not consistent even though business was picking back up. 

I have been with Chase for 10 years and have tried getting in touch with them regarding this matter. So far, I've only been able to speak with someone from an outsourced country who clearly has zero power to address any of my concerns. On XXXX occasions, they merely took my information down then said I would be getting a letter in the mail indicating their decision and that someone from their XXXX offices would be calling me. While I did receive a letter, I never heard from anyone to give me an opportunity to present my case. I have been treated as a number and not a person. My middle FICO score is still in the XXXX 's and to this day haven't been late on any financial obligations in over a decade.
Product: Debt collection

Capital accounts in XXXX TN is trying to collect on a account under my name for the amount of {$430.00} I've reported the account as a fraudulent account about XXXX yrs ago and it still on my credit report. I then told them to send me a credit validation letter. and I haven't heard from them
Product: Credit card

I bought a refrigerator for {$1800.00} on XX/XX/XXXX using a XXXX credit card that extended the manufacturer 's warranty one year. The manufacturer warranty was one year. On XX/XX/XXXX the water dispenser started leaking. On XX/XX/XXXX the refrigerator was repaired by an authorized service technician. I submitted the signed repair document to XXXX that explained the work that was performed and the {$310.00} amount. I also submitted numerous other documents that they required to honor the warranty. They have not honored the warranty benefit. They need more documentation?! XXXX  Claim Number XXXX
Product: Money transfer, virtual currency, or money service

They contacted me via XXXX  to work online on XX/XX/XXXX. 
Registered on XXXX on XX/XX/XXXX. The person they call as a " mentor '' started giving me a training. When I finished the small training tasks, she said to install and use XXXX, XXXX, XXXX to pay about {$XXXX}. She taught me how to receive the payment, convert it to XXXX and then again to USD to put in my bank account. 
Then they told me to do more, I needed to pay {$XXXX}. Thought that's kind of the lesson fee, so, I paid. 
At the end of the day, I made more than what I paid. But I didn't withdraw that because they require " prepayment '' to start the jobs next day. This prepayment amount is going to get higher depends on what you made and that's the measurement of the level setting. The higher level, the more pay we can get. 

On the XXXX day, there was another type of the tasks which require more prepayment. This one was a training task, so, the mentor paid. 
Later on that day, when I started my own tasks, I got the same type of tasks. Still small amount, so, I paid. 
Repeated this for XXXX more days. On the XXXX day, I was able to keep about {$XXXX} in my XXXX  account. They recommended me to make a higher prepayment, which is {$XXXX}. I said no. I wanted to keep some money in my XXXX  account for the next day in case I get this higher prepayment tasks. 

Then the XXXX day, on XX/XX/XXXX, I finally convinced this is a scam. Those tasks which require higher prepayment showed up a lot on me. The mentor said there is a limit of XXXX of those tasks. But it wasn't. At the end, I paid more than {$XXXX}. I was planning to withdraw all money and quit once I complete the tasks for the day. But then at XXXX XXXX of only XXXX tasks were left, this higher amount task showed up. This time, it was {$XXXX}. At this point, I was already crying and asked the mentor for help. She just kept telling me to stay calm and look for where I can get the money. She told me to ask friends for loan. I just left the site and she kept telling me to pay the money and keep going. 

They had a chat group and they said they were making a lot of money. Later on, I head those people are also a part of scammers. 

I reported to XXXX on XX/XX/XXXX. Also, hired XXXX people to get back what I paid. Also, I contacted Capital One and XXXX. 
Capital One once returned money only {$XXXX} or so, but at the end, they pulled the money. XXXX said they won't do anything. 

I also reported to the local police. Waiting for the report comes out. The case number is XXXX. Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The site they used is already shut down.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days.

7. Incorrect Billing - Creditor Name : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Requested Action : Update account status to " paid on time. '' # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me.

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made a hard inquiry of my PERSONAL credit record with TransUnion. I did not authorize XXXX 's to check my credit. 

I initiated a dispute with TransUnion because my PERSONAL credit record reflects a hard inquiry by XXXX XXXX XXXX XXXX responded with a letter that says, " Based on your XXXX credit bureau dispute, we have reviewed the following information ... Our research indicates we are reporting your account correctly to the XXXX credit bureaus. '' XXXX XXXX is unable to produce any document containing my signature that authorized a hard credit inquiry of my PERSONAL credit record. 

TransUnion then informed me several times on XXXX XX/XX/year> that XXXX ) It is illegal for TransUnion to remove incorrect information from my credit report, and XXXX ) There is no way for the incorrect information to be removed from my credit report. TransUnion refuses to remove the incorrect information from my PERSONAL credit report.
Product: Credit reporting or other personal consumer reports

Experian refuse to update XXXX on my report. XXXX and XXXX have both updated the account has been settled. If Experian actually called to verify versus responding its accurate you wouldnt be hearing from me. Im starting here but also reaching out to the news. I know Im not the only one this agency is harming
Product: Checking or savings account

Capital One froze my business account without explanation after funding it.

It has been frozen for almost 2 months.

They refuse to provide a reason and will not give a timeline for review.

I requested to close the account and withdraw my money, but they refused.

Their fraud team says they can not disclose any details but still wont release my funds.

I am requesting immediate access to my funds or a clear justification for the hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that my credit XXXX changed. I pulled a credit report and noticed a new line of credit for over {$12000.00} with Barclays. I have never done business with Barclays and have only ever had two credit cards, XXXX XXXX XXXX  and XXXX. This line of credit shows me as an authorized user.
Product: Credit card or prepaid card

Fifth Third Bank Disputes Department / Regarding reassertion of dispute / Case # XXXX This letter serves as the appeal to Fifth Third Banks decline of my dispute regarding the {$3200.00} charged for XXXX ( XXXX XXXX XXXX XXXX ) doing business as XXXX  XXXX, XXXX  XXXX XXXX XXXX using my credit card ending in # XXXX on XXXX. The reason for the decline, was because my dispute fell outside the window to dispute. 

None of these services were provided, and I did not have a chance to receive them, because the FTC shut them down for defrauding their customers XX/XX/2018. At that time, there was hope that something could have been worked out between XXXX and the FTC. But, in XX/XX/2018, the Judge in the case finalized the shutdown on XX/XX/2018. 

It would have been impossible for me to dispute this charge within the dispute window as for the XXXX XXXX trips and coaching that I purchased, fell past the dispute window afforded to me by Fifth Third. The FTC did not shut them down until XXXX, thus me believing up to that point, that I was going to receive my coachingg. 

Please accept this as my detailed letter describing the services that were expected from the company ( XXXX ) that the FTC without warning, shut down. I purchased XXXX XXXX trips using monies from my Fifth Third Card ending # XXXX Copies of my contracts ( s ) are submitted along with this letter, as proof that XXXX did not provide the services ( XXXX training trips ) that were purchased The three events : 1-3 day/4 night / 1-5 day/6 night / 1-10 day/11 night ; XXXX Training ( Coaching ) Trips The details of the XXXX and Tuition reimbursement, are in the contracts that are with this fax, please note the circled items. Also, faxed is copy of my XXXX   receipt and statement of the charge, as noted Details of FTC actions can be found at : https : XXXX Respectfully Submitted, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft accounts were opened in my name fraudulently. 

- My current address ( copy of lease attached ) as of XX/XX/XXXX is : XXXX XXXX XXXX XXXX XXXX, FL XXXX  - Previous Address 6 months prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX  - Previous Address for two years prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX  I previously submitted a paper affidavit that was notarized and now I am including the official FTC Identity Theft Report filed with the report number. The following accounts are fraudulent and not mine. 

I have been the victim of identity theft the accounts were opened in my name and not done by me : 1 ) XXXX  Acct # XXXX  2 ) XXXX XXXX   Acct # XXXX  3 ) XXXX  Acct # XXXX  4 ) XXXX  Acct # XXXX 5 ) XXXX  Acct # XXXX 6 ) XXXX XXXX Acct # XXXX  7 ) XXXX  Acct # XXXX  8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX  10 ) XXXX XXXX XXXX Acct # XXXX  Please remove the following fraudulent inquiries not made by me : XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-offs reported on my credit file. Despite multiple attempts to resolve these reporting issues, the inaccuracies remain unaddressed. I have enclosed a detailed description of the specific issues, along with the relevant violations of the Fair Credit Reporting Act ( FCRA ), METRO2, and the Code of Federal Regulations ( CFR ).
Product: Debt collection

I had an account with XXXX XXXX which is the electric company for XXXX Nevada XXXX XXXX area. My now ex boyfriend and I moved out of the apt located on XXXX XXXX XXXX in XXXX XXXX NV in XXXX. This is when the account first became delinquent. in XXXX. The agency did not report this debt on my credit right away they waited till XXXX XXXX try to make it look like they have more time for statue of limitations. In Nevada the statue of limitations is 4 years from the time you are first delinquent not until the debt collector decides to report it on your credit. Today is XXXX XXXX XXXX this debt collector still reports this information on my credit even though the 4 years is up for this stale debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I purchased  my credit score and report from  XXXX  via online and also included in the purchase was the same information from   XXXX    and Experian. There was a major discrepancy in the scores at which point I contacted   XXXX    customer service and was informed that the credit score I purchased was not the same program model use bye their customer service representatives when you call them directly! This lead me to realization that the score I am paying for is not the score  XXXX  reports to credit lenders when they   inquire about my credit history so why is it being sold to me and allowing me to believe this is what my credit worthiness is being judged bye! I also recently refinanced my mortgage in  XXXX  and I received a letter from my previous mortgage company that my  credit score th rough   XXXX   was some  XXXX  points lower than what was shown to me at that time which lead me to not be able to get a better rate moving forward in my refinance!
Product: Debt collection

On XX/XX/2019 ( as documented in my letter dated XX/XX/19 to BOA ) and again on XX/XX/2019, representatives from FIA/BOA collections contacted me attempting to collect a debt that not only was resolved on XX/XX/2019 but should not have gone to collections and should have ever been considered a debt against me, in the first place. On both dates, I explained to the representatives that the matter was resolved on XX/XX/2019 and that no one should be contacting me from collections regarding collection on any debt. I explained to both representatives whose phone numbers reflected on the caller ID on my phone as calling from FIA, that the monies that are the subject of my complaints against BOA was to be recalled from my XXXX account. I also advised both representatives that they must follow-up on the issue internally, and I should be continuously harassed about and by collections. 

For background facts and information prior to this point in time, please refer to attachments due to the length of the problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX {$0.00} XX/XX/XXXX XXXX  # XXXX {$0.00} XX/XX/XXXX XXXX # XXXX {$4000.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULANT
Product: Checking or savings account

On the afternoon of XX/XX/year>, I used my smartphone and JPMorgan Chases mobile app to deposit my weekly paycheck. Contrary to every prior week, when the first {$500.00} was made available immediately and the balance made available the next day, {$0.00} was made available immediately, and a few minutes later, I received an e-mail that the funds would not be available until XXXX days later. 

I called the bank less than an hour later, and the representative could not explain to me why the hold was placed.
Product: Debt collection

I received a notification from XXXX XXXX to alert me that something negative had been added to my credit bureau through XXXX. When I read the details, a company called Professional Recovery Consultants are trying to collect on a medical debt that I have no knowledge of and wasn't given notice of the debt nor the right to dispute the debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXX XXXX Account # : Account Description : Account Rating : Account Status : Account Type : Balance Owed : Closed Date : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date Reported : Date of Last Activity : Dispute Status : High Balance : Last Payment : Last Verified : Past Due Amount : Payment Amount : Payment Frequency : Payment Status : Term Length : Loan Type : XXXX XXXX Individual CollectionOrCharge Off Closed Revolving {$0.00} -- XXXX DISPUTE RESOLVED REPORTED BY XXXX Banking XXXX XXXX XXXX XXXX {$580.00} -- -- -- -- -- XXXX XXXX XXXX -- -- -- {$0.00} -- -- -- -- -- XXXX XXXX XXXX
Product: Credit card or prepaid card

The late payment occurred on XXXX 2016. I have made several calls and attempt to contact the creditor to remove the payment. Although the payment was late, it was not due to my inability to make the payment, but instead was due to you not being aware of it being due. Since the late payment, I have had more than 15 months of on time payments and enrolled in automatic payment.
Product: Debt collection

From XXXX I have experienced repeated phone calls at my place of employment and a cell phone. I have informed the company to stop and they are not responding.
Product: Credit reporting or other personal consumer reports

Charge off accounts continue to show a balance and the account have been charged off. Also I have not authorized any of these accounts to report on my credit report. Please provide anything that sow that I have given authorization to these companies to report on my account.
Product: Money transfer, virtual currency, or money service

Was scammed out of {$400.00} through Zelle through my bank XXXX. {$250.00} on XX/XX/XXXX and {$150.00} on XX/XX/2022. Didn't realize it was a scam until they asked for more money.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a letter to the bureau asking them to valid the accounts XXXX  and XXXX XXXX XXXX XXXX XXXXXXXX. I received a stall letter telling me they received the letter but it didn't appear that I give proper authority to the third part that sent the letter. So I called XX/XX/XXXX and spoke with XXXX who had very bad comprehension skills. She seem to not understand what I was talking about. I asked about the letter and she was talking about inquiries. I asked her to tell me what the letter reads she then put me on hold and hung up. I called back spoke with someone named XXXX I explained the situation she then wanted to get condescending because I told her the representattive didn't comprehend well. She said that they had expedited the dispute. I asked her about the letter she said she couldn't see the letter that the only people that can see the letter is the company which received the letter. I asked who received the letter she couldn't tell me that she said I should know. I told her she should know I wouldn't know but I do know it was received because I got a response from them dated XX/XX/XXXX. So what happened to the dispute letter I send out XX/XX/XXXX? XXXX put me on hold then hung up as well because the questions I was asking about the letter they couldn't answer.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX The following unauthorized inquires must be removed from my credit profile. I DID NOT APPY FOR CREDIT DO NO PLACE A FRAUD ALERT ON MY REPORT!!!!!! 

PLEASE SHOW ME HOW PER THE FCRA HOW THESE WERE PUT ON MY CREDIT REPORT XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX, 2015 XXXX XXXX ID IS ATTACHED VIA DRIVERS LILEICE AND SCHOOL ID AND UTILITY BILLS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to work with XXXX XXXX regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to XXXX XXXX over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.
Product: Credit card

Hi, I booked a dinner event with my Chase Card. The vendor was oversold for the event and was unable to accommodate the reservation, even though I showed up for the event. I cancelled for refund in person with the hostess. I did not get a refund as promised from the venue, and they would not return my calls. I contacted Chase on XX/XX/XXXX to file a chargeback, and they refused to file on my behalf saying it's a billing issue with the vendor. I replied to chase on XX/XX/XXXX saying it is not a billing issue, the vendor will not respond to me, and I contacted the vendor on XXXX dates without response. Two more times Chase refused to even open a dispute on my behalf. 

I previously filed a complaint and Chase responded that the merchant provided proof of services, but this is impossible as services were not rendered. Chase is providing false information in response to this claim and has not shared any proof of services rendered. With their response times, it is clear they did not even open a dispute with the merchant, and even in their correspondence, they say they did not open a dispute, so they are providing false information to CFPB.