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

On XX/XX/2021, an unauthorized transaction was made on my Chase Sapphire Credit Card for {$570.00}. I called Chase Fraud afterwards to report the charge as fraudulent and got my credit card cancelled and replaced. 

In the following credit card statement, Chase reversed their position and held me liable for the charge, even though I had clearly stated that I had not authorized the transaction. The reason for denial was because there was merchandise that was delivered to an address associated with me. I was not present at that location and did not receive delivery of the allegedly associated package. 

On XX/XX/2021, I reported the incident to my local police department and obtained a copy of the written police report. I provided Chase with a copy of this police report. Once I returned to the original address where the merchandise associated with this fraud was located, I refused the package and had USPS return the package to sender and mark it as " REFUSED ''. 

Chase continued to refuse to credit the transaction and continued to hold me liable. As explained over the phone several times with the Fraud Department, this was a transaction that I did not authorize. Also explained before over the phone, XXXX has reported that the transaction was made under a guest account with a fraudulent email address that does not match any of my known email addresses. I received no receipt of the purchase from the sender nor did I authorize this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report.If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the lawXXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$15000.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , Equifax , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX {$3600.00}
Product: Checking or savings account

On XX/XX/2024 I attempted to open up a Citizens bank online. I was greeted with this message : " Thank you for your application. 

Were sorry, but we are unable to open your account at this time. 

Our decision was based on information provided to Citizens by XXXX XXXX XXXX. XXXX XXXX XXXX did not make this decision and is unable to provide you with specific reasons why we are unable to open your account. However, you have the right to receive a free copy of your consumer file from XXXX XXXX XXXX provided they receive your request within sixty ( 60 ) days from today. '' I've also attempted to open up accounts in the past, including in person which generally result in the account opening successfully, then Citizens back office closing the account without explanation. Last successful account opening was acc : XXXX which Citizens closed without explanation.
Product: Student loan

In XX/XX/XXXX my loans were disbursed for the PSLF, which requires me to have automatic withdrawals for the rate I qualified for. My goal was to keep regular monthly payments going so that this loan wouldn't be dragged on longer than 10 years ( 120 qualifying payments ). This goal however has been met with adversity beyond what any hard working citizen should have to go through. Payments started being withdrawn on XX/XX/XXXX by the XXXX XXXX XXXX, already setting me two months behind since my loans were disbursed in XX/XX/XXXX. No explanation as to why. For some reason, my automatic payments stopped after XX/XX/XXXX from my bank, which was the last payment made to the XXXX XXXX XXXX and my loan servicing company was changed to XXXX XXXX. In XX/XX/XXXX my monthly payment didn't count as well. From XX/XX/XXXX - XX/XX/XXXX my monthly payments counted ( according to XXXX XXXX ), but those ACH transactions were never sent from my checkings account where the previous automatic ACH transaction were being withdrawn from. In XX/XX/XXXX, XXXX XXXX placed me in a forbearance without any explanation why. On XX/XX/XXXX, the first ACH withdrawal from XXXX XXXX  appears. The XXXX program I qualified for, paid XXXX and without my consent, they place my loans in a paid ahead status from XX/XX/XXXX to XX/XX/XXXX, which does not qualify monthly payments towards the 120 total payments of the PSLF program. This pushed my loan even further from being forgiven. In XX/XX/XXXX they confused my loan with my XXXX XXXX obligation and converted my XXXX XXXX into loans, despite the fact that I met all requirements for the XXXX  XXXX. I spent weeks trying to send them documents proving my XXXX XXXX obligations was met. Finally they converted my XXXX XXXX back into a XXXX, however, they made a mistake and put my PSLF in forbearance instead of my XXXX XXXX while they investigated the situation. Pushing me further back from my goal. Later on, I'm placed on forbearance again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX due to documentation in which, according to them, will not be received in time that will verify my income for the income based repayment option the PSLF program requires. They blame me for not sending the documents in time when each time I have submitted the paperwork, the paperwork that was submitted was not filled out correctly to optimize the lowest monthly payment I am able to afford due to bad consultations over the phone and poor customer service from people that worked there getting back to my concerns. Their lack of communication and lengthy clerical processes to address any issues put me in a corner with only two options : to pay the regular monthly payment close to approximately {$900.00}, which I can't afford, or place my account on forbearance. The total delay to my PSLF program, due to clerical issues and the mishandling of my loans, has totaled 21 months. That's almost two more extra years that I will have this financial burden after I have done everything on my end to keep my monthly payments on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out certified letters to all three credit bureaus informing them of my address change but its still showing up on my report.
Product: Checking or savings account

In 2011 I opened an account with TD so I could use the coin machine to convert our spare change into savings for my son. I deposited around {$60.00} in this account. a period of months I did not add fund to the account and I did n't receive paper statements until I was finally sent a letter from TD saying the account was in overdraft {$30.00} plus some other fees. It turned out they had been taking a {$15.00} fee out of the account over a period of months and I had no idea this was happening. They continued to charge the fees even when the account went into overdraft and I only found out when they sent me a letter. I tired to close the account as soon as I was made aware of it but could n't until I paid what they said I owed them. I spent several days on the phone both with their collections department, customer service and with people in the branch, at least trying to negotiate a way for me to close the account that was fair - e.g I even said I would ask them to refund the money they had taken from me if they just did n't make me pay a fee on top of what they took. All representatives I spoke to refused repeated that it was in the fine print, though I was never actually told this when I opened the account. It seems to me that it is something that customers should be warned about - not something to be in the fine print. None of the reps I spoke to would budge on this, despite how unreasonable it was and all were rude to me about it, despite it being clearly suspect practice on the banks behalf. I did n't want this to damage my credit score so I paid it and closed the account. In the end it turned out they took all of the money I had deposited in the account and I was charged late fees on top of that.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian 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 ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX must be removed IMMEDIATELY IT IS PAST THE STATUE! 
XXXX  XXXX bankruptcy : Bankruptcy XX/XX/XXXX XXXX XXXX Balance {$600.00} Date Opened XX/XX/XXXX XXXX  XXXX Balance {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX  Balance {$4300.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX
Product: Checking or savings account

I am in a program in school called XXXX and we raise livestock and take them to fairs and then eventually auction them off. On Wednesday XX/XX/year> I received my check from the XXXX XXXX XXXX which is where i auctioned my livestock animal off at. I have never had a bank account so that same day i decided to open an account with Chase in order to cash this check. So i did that and i had a hold on my money for about 2 weeks and i thought nothing of it. Well the next day i got a message from chase telling me that my account was restricted due to suspicious activity and that i had to take action immediately or else my account would be closed. So thats exactly what i did, that same day i went to my local Chase bank and i talked to a bank-teller and they pit me on the phone, the person on the phone said that i needed to provide a number that they could verify this check with. I provided several numbers and with each number i gave them they said they could not verify with it because the phone number was not in their system. I tried for weeks before they eventually closed my account on XX/XX/year>. As of XX/XX/year> I still have not gotten a cashiers check or anything related to my money so I decided to call Chase and they said that they are still going to hold my money until i am able to verify it. I tried to give them one more phone number as a last resort and they hung up on me. The phone number i gave them was the owner of the bank account which the check was written from and they still said that they can not verify it. I am fed up and i want my money that i worked so hard for.
Product: Checking or savings account

Chase Pending transaction using XXXX. Wanting to cancel payment fraudulent services.. never got products should be able to cancel.. it was late on family trip and couldnt get hold of them until later that day.. if pending should be able to cancel transaction.. never had issue Should be able to dispute it .. very disappointed
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID KOHLS IN FULL XXXX XXXX XXXX XXXX WI XXXX AND THEY AGREED TO REMOVE IT FROM ALL CREDIT AGENCIES BUREAUS AND DID NOT!
Product: Credit reporting

When i reported Equifax to you regarding their refusal to remove of a lier entered in error my credit score was XXXX. And after they removed that record as result of my complain to you, my credit score went to XXXX a XXXX points drop, at the time it is customry for credit score to increase after removing a nigative record, In Transunion my credit score had XXXX points jump. 
I wonder what is the likelyhood that Equefax revenging my complain to you, and who should i ask for help from such egregious mishap. 
Now, i need a business loan badly and such drop would either make it harder to get a loan or might have to obtain one with very high interest rate. 
Please help.
Product: Student loan

I requested a student loan refund of {$20000.00} from Edfinancial Services for payments made during the XXXX pandemic on XX/XX/2022. I was told that the request would be processed in XXXX days. I did not receive any form of confirmation that the refund had been processed or that it was pending processing. I called EdFinancial again on XX/XX/2022 to make sure my refund request had been submitted. The agent I spoke to confirmed that the request had been submitted. She also told me that there was no defined timeline for processing, reinstating, or refunding my student loans. I filed a complaint with CFPB due to the servicer 's lack of transparency. Shortly after making my complaint Edfinancial Services reinstated a balance of {$9900.00} to my account on XX/XX/2022. I received treasury checks equaling that amount in the mail on XX/XX/2022. {$10000.00} of my requested refund is still missing. I have called Edfinancial Services once a week to ask about the remaining funds. Each Edfinancial agent I have spoken to has said that the refund request is processing but they can not give me a disbursement date because the Department of Education controls the processing timeline. XXXX of the agents gave me the phone number to the XXXX XXXX XXXX XXXX XXXX so that I could speak with someone associated with the Department of Education. I called the number on XX/XX/2022. The XXXX representative I spoke with could not find a record of the request for the last {$10000.00} of my refund. I immediately called Edfinacial Services to figure out why they had not sent the Department of Education a request for the full {$20000.00} I had asked for on XX/XX/2022. The Edfinancial agent claimed that the request had been submitted correctly. She was not able to tell me why the Department of Education did not have any record of it.
Product: Checking or savings account

I feel discriminated by this bank Im XXXX and have a XXXX I filed a dispute incorrectly and they refuse to give me back my money by filing it as a billing dispute a doctor lied to me with his services and charged me {$1600.00} in XX/XX/XXXX my account is overdrawn my bank refuses to conduct an investigation or do anything to recover my funds they told me to forget about it the merchant scammer me and wont give me a refund or anything I dont know what to do why wont my bank do the right thing and refuse to refile this claim was denied once because it was filed as fraud they didnt understand me
Product: Credit reporting or other personal consumer reports

The XXXX XXXX stated Account XXXX & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right 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.
Product: Debt collection

I received a notice for a debt that I had never been informed of from 2009. I called the number on the notice to find out if they had the correct person. They began by asking me for personal information and recalled my number from caller id. I told them not to notate the number, not to save it, and they do not have permission to call me at this number regarding any debt- especially unverified debt. The agent on the phone proceeded to tell me that they could and would continute to call me and I would have to file a cease and desist letter. I hung up. They began calling me and leaving my voicemails immediately after I told them not to call. The voicemail continued to antagonized me and said 'like i said we're going to call you and continue to call you until you pay the debt '. This is harassment.
Product: Mortgage

Ocwen took my loan over when we filed Chapter XXXX in 2011. It has been a nightmare ever since. I do n't believe any of my loan information is correct. We are still in Chapter XXXX and Ocwen is calling me ( first call was on XXXX, yes, a Sunday XXXX to tell me I owe them over {$10000.00}. Absolutely incorrect and illegal since we are in Chapter XXXX. When Ocwen took our loan over, they gave us a modification which reduced our payment amount to {$1200.00}. They are now saying our payment amount is supposed to be {$1500.00}. I have documents showing the {$1200.00}, but I guess they ca n't find them. Most recently I received a bill for {$9700.00} and corrected tax document which will make me owe the IRS. I do n't think any of it is correct. I ca n't ever speak to anybody that speaks XXXX so I totally understand how nobody knows what is going on. Ocwen does have a consumer omsbudsman, who does speak XXXX, but they have n't done anything but lead me on as well. The omsbudsman said to give them 15 days to get it corrected and that was the day after XXXX XXXX XXXX XXXX ). I have received documents stating they will charge me for insurance on my home because I do n't have any, again, absolutely incorrect. I have requested a complete audit of my account from an outside source, but have not received any response. I am unable to scan all the documents in today, my scanner is not working. I did take photos and attached a couple of documents I 've received showing the amount I owe, it too changes all the time.
Product: Debt collection

I was billed for a vet bill in regards to a horse I do not own, nor have ever owned. I sent filed of the proper ownership along with a history of all ownership in the lifetime of said horse. I sent documents to Tek Collect multiple times to always get the run around. The situation is ridiculous to say the least. Next step is to seek legal council.
Product: Credit reporting or other personal consumer reports

I have tried correcting information on my credit report with no success. The agency has failed to provide any information regarding my disputes and do not fully investigate and does not provide method of verification for the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies deleted incorrect and/or incomplete information, only to recently report the erroneous data again. The credit bureaus service failed to report deleted negative incorrect accounts in all three credit reporting agencies.
Product: Vehicle loan or lease

I got a car with Americas car mart in XXXX, Mo XX/XX/2022. Ive had nothing but issues with the vehicle since I got it. It took them a year to fix my heater. Ive mentioned other issues and they dont even want to address the issues. I paid extra on the loan to add a service contract that is close to expiring. The car is only valued at around {$3000.00} and by the time Im finished paying the vehicle it will have paid XXXX or XXXX on a car that is literally falling apart. The car is going to end up breaking down before its even paid off. This company is crooked and severely over priced on their inverntory. They made me feel as though I was getting a deal but I have not. Not even a month into owning the car I had to replace all the tires on the car, the muffler is going out, the engine/transmission is slipping and half the time the car doesnt want to crank. I no longer want the car and I feel if I try to return the car they will fight me on it. I have already been cheated out of plenty of money.