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

Chronic 'disputed ' credit card charges on Statements and my online account from my XXXX Chase Bank Card of resolved disputed/unauthorized use by XXXX of {$89.00} on XX/XX/XXXX or XX/XX/XXXX, & again an alleged charge on XX/XX/XXXX by same company. 
Each time I receive a call from Chase or see charges on my statements, regardless of the resolved disputed/unauthorized charges, I have to keep disputing ( this same charge has been happening for five months now, as this 2x 's resolved charge from XXXX of {$89.00} keeps reappearing on my statements ). 
I have already received two ( 2 ) letters from Chase Bank Card Services telling me my dispute for the unauthorized {$89.00} charge from XXXX has been 'RESOLVED ' : *1st Unauthorized Charge Dispute 'Resolved ' letter of XX/XX/XXXX for XX/XX/XXXX charges, and *2nd Unauthorized Charge Dispute 'Resolved ' letter of XX/XX/XXXX for XX/XX/XXXX ; *both of these disputed charges are from the same XXXX company and all appear to be near the same date. 
Regardless of letters proving the disputed company 's fraudulent charge has been resolved, it keeps showing back up on my statements with a different date. 
I'm wondering if the company, XXXX, is fraudulently charging my account on all these dates, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX of {$89.00}, or what is going on at Chase Bank Card Services. 
Despite these charges, I have never received anything or product from the charge, nor did I authorized any use of my credit card from disputed charge companies. 
Also, be aware that the XXXX Chase Bank Card account has done this to me before, with an unauthorized charge of {$39.00} from XXXX XXXX   back in XX/XX/XXXX that was disputed and resolved. This disputed & resolved unauthorized charge kept getting placed back on my charges statements to the point that I paid the fraudulent charge to save my credit. 
I'm not going to have to pay for fraudulent charges to save my credit again. 
I will greatly appreciate some help, and a look into this chronic disputed & resolved then charged again matter on my XXXX Chase Bank Credit Card. 
Thanks
Product: Debt collection

In 2022 I was introduced to online casino called XXXX, but I didnt like it so far since I was a fan of XXXX XXXX. Suddenly I was hired by XXXX XXXX XXXX in XX/XX/2022, and I was so busy I was not participating in any betting, till around XXXX. Within the period I was driving I checked my banking account and I found out that I was charged {$100.00} on XXXX. I tried to call them but they didnt have their contact. I did online charting but I never got helped. So I went ahead and claimed my money back since I never used it. Suddenly I found out XXXX XXXX reported my money which they took without my permission. I been receiving calls and when I explained the above information to them they referred me to come here and see if my problem will be solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion on multiple dates to dispute inquiries that I did not authorize. 

Inquiries which I have no knowledge of and did not authorize are as follows : XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX   XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE $ XXXX ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH XXXX XXXX XXXX XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   {$680.00} Neither the collection agency or the bureau Experian has validated the debt.
<P/>
Under   XXXX   it says the account name is unknown the only thing that was close to matching the debt under Experian is the dollar amount and the incomplete account number and under   XXXX   the account name is   XXXX   XXXX   XXXX   limited again the only thing close to matching the debt under Experian is the dollar amount and the incomplete account number
Product: Credit card or prepaid card

Our  CapitalOne a ccount was charged {$12.00} on  XXXX  ,2017  for a trial offer from  XXXX  which we paid and canceled any future shipments. Then beginning  XXXX / XXXX /  XXXX   the statement was charged {$110.00} so we called  CapitalOne and was put on a 3-way conference call with a rep. n amed  XXXX  from  XXXX  who gave us cancellation confirmation numbers and we returned any products shipped, but when we got the  XXXX  statement after being told the charges were being reversed, another {$180.00} was added back, plus interest. We had written the vitamin company, spoke to supervisor s at CapitalOne and sent documentation to all and even asked CapitalOne to close out the old account and give us a new number to avoid further charges ; however, they are still adding the charges to the NEW account now! Our balance continues to increase along with the monthly payment in spite of our compliance in doing everything possible to dispute the   XXXX   offer. Our next option after complaining to the FTC and General Counsel will be to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Experian, XXXX, XXXX has violated mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C section 602 A. States I have the right to privacy.

These Names do not belong to me and Too many On Personal Information. Errors are highlighted and Circled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX # XXXX, # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy. 

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Product: Debt collection

XXXX was fraudulently opened and chime was a prepaid card I could only use what I loaded and I closed it myself and their was no balance left but they reported I owed when I asked them to close the account and I didnt
Product: Debt collection

This is follow-up to prior complaint number XXXX. Rushmore Loan Management Services is trying to collect a bogus debt I do not owe for alleged new loan number XXXX that I never took out with their company and/or XXXX XXXX XXXX XXXX acting as ostensible trustee. The original loan XXXX with XXXX XXXX XXXX XXXX was cancelled by XXXX XXXX : XXXX County court clerk, case # XXXX. Now Rushmore attorneys are opening the same court case to collect on a new bogus debt. XXXX XXXX XXXX XXXX XXXX Chief Operating Officer, XXXX XXXX received a promissory note for full settlement from me and agreed not to sell my note but to pay me {$1000.00}. per day and then {$10000.00}. per day respectively for every day she failed to delivery my free- & -clear title. Her company was also invoiced for services rendered to the property. See lien filed with XXXX County Register of Deeds : Document # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  case # XXXX account # XXXX XXXX  XXXX This company did not stop collection during a dispute XXXX they also still havent sent a validation of debt. This account is destroying my credit and is fraudulent. 

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I closed my Indigo/Genesis credit card on XX/XX/21, and received a refund of the credit/overpayment on the account in XXXX. After this, also in XXXX, the credit card reopened my card account, without my permission, and subsequently allowed three charges to go through. Then they debited my checking account yesterday for an auto-payment, without my permission. I called them this morning, and their solution is to dispute the three charges with the merchant, which they allowed, and if they are able to resolve it, I will receive a refund of my unauthorized auto-payment after 60-days.
Product: Credit card or prepaid card

Let me start off by saying that I have been a loyal customer of Citibank since XXXX. Unfortunately back in XXXX during the market crisis I was laid off my job and struggled to find employment the next few years. As a result I accumulated approximately {$6000.00} debt with Citibank during this time, but ALWAYS at least paid my minimum payment every month. Once I began working again, I stopped using card, made sure I had no recurring payments on the card that would add to the balance, with the intention of paying the debt off in full before using the card again by setting up scheduled monthly minimum payments. I felt secure and had price of mind that in time by making the minimum monthly payments I would pay down the debt, and consequently turned a blind eye to my balance over the years while I assumed my debt was gradually being paid off. 

To my dismay I recently discovered on my statements that I have been paying for a service called XXXX XXXX or more recently named XXXX XXXX from Citibank that I do not recall ever signing up for. I researched the topic online and found out that Citi had been found to have used deceptive marketing, billing, and administration of debt protection and credit monitoring add-on products. Additionally that in XXXX Citibank was ordered by the Consumer Financial Protection Bureau to refund about {$700.00} million to customers harmed by illegal practices related to credit card add-on products and services, such as the the Payment Safeguard they have been charging me. Unfortunately, apparently I was not one of the customers who was compensated or entitled to a refund. When I first discovered months ago that I was being charged this Payment Safeguard, I contacted Citibank to cancel the card protection over the phone and asked for a refund as per the XXXX CFPB settlement. They were extremely rude, said they would cancel it, and promptly hung up on me. However, I have had no success in getting Citibank to cancel this fee or refund me any portion of the charges. 

To this day, Citibank is continuing to charge me the XXXX XXXX fee, which ranges from $ XXXX {$60.00} per month, and I am unsure how to proceed at this point. I have requested statements as far back as XX/XX/XXXX ( which is the earliest date I am allowed to request statements from Citibank ), and have confirmed that at least since XX/XX/XXXX I have been charged this fee every month labeled either XXXX XXXX  or more recently XXXX XXXX from Citibank. I estimate that i have paid Citibank at minimum approximately {$6000.00} for these fees over the last 10 years. I say at minimum because more than likely this fee started much earlier but unfortunately I can not access statements prior to that date to confirm. If not for this fee, my balance would have been paid in full by now. 

I would like to cancel this unnecessary and unsolicited fee immediately, and also discuss a plan for Citibank to refund me for the thousands of dollars in Payment protection fees I have paid to them over the years. I am in the process of pursuing legal action and look forward to an immediate resolution by Citibank on this issue.
Product: Debt collection

I sent a certified letter to LVNV requesting proof of debt validation due to my unfamiliarity with the reported account. Simultaneously, I contacted the credit bureaus, who subsequently sent me a report indicating that they had verified the information. Upon receiving this report, I sent another letter to the credit bureaus, seeking clarification on the process they used to verify the account information. However, I have not received any response from LVNV or the credit bureaus regarding the requested information. Given the strict regulations of the Fair Credit Reporting Act aimed at ensuring maximum possible accuracy in reported information, I find it perplexing that the same information is still being reported without evidence of a thorough investigation.
Product: Credit reporting or other personal consumer reports

Re : ALLY FINCL - XXXX Opened - XX/XX/ I was a cosigner for my father on the above-referenced account he used the vehicle, and he made all the payments on it, and we returned it. 
For some reason, the odometer and damage disclosure statement was never filed. This was a mistake by the dealer. After working on this for a while I finally got hold of this statement and its attached to this letter. 
When I spoke to the bank they explained to me that the dealer called them and told them that they got the vehicle from me and they should come pick it up but when they came to pick it up, they found it in a body shop. so they did not want to pay the money that the body shop asked for the vehicle, so they never picked it up The dealer is a representative of the bank since I returned it to the dealer and the bank confirmed that the dealer received it for me without any damages it is not my responsibility to get it from the dealer to the bank. 
This account should be deleted from my name immediately This account with Ally Financial many times but they completely ignored me. Every time I called, they explained to me that they could see that I gave it back to the dealer but they never picked up the vehicle from the dealer I also disputed this item with the credit bureaus but I've got no reply from Ally Financial Please see the documentation attached. 

This is extremely unlawful, that I have to go through such hard work and pain because I was denied several mortgages because of something I had no idea about. the dealer never notified me that it was not picked up, and Ally Financial never notified me that they never got it from the dealer they just put it on a collection of my reports
Product: Money transfer, virtual currency, or money service

I have opened many wallets and bank accounts. I am homeless and this is the direst result of this. Google or someone that works for google blocks every email or device i have and any car or account i have. its not just google. its XXXX XXXX, different bank accounts, its every payment source. I verify my identity over and over and they tell me they wont accept my documents. My banks block my accounts and give it to others to use. I need help before i end up dead. I am the owner of a foriegn bank and im broke and homeless because of the internet.My identity is being stolen. Postal workers are stealing my mail. Boyfriends steal my info and somehow make themselves my power of attorney. XXXX ca says im a juvenile. And so does everything i have. my phone my bank accounts etc. Please help
Product: Credit reporting or other personal consumer reports

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 I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Attached are copies of my state ID. 

Warm Regards, XXXX XXXX XXXX
Product: Student loan

I consolidated my student loans thru Discover and they are charging me 9.950 % interest. I have asked them to refinance but they refuse I am at the point I am going to default on this loan
Product: Credit card or prepaid card

Citi Price Rewind program. 
The program is not following its own terms. 
My claim number XXXX was denied with a reason that is absolutely not described. 
When I called on XX/XX/XXXX around XXXX XXXX EST, I was told it was denied because the advertisement is " not available worldwide '' ( quoting the reason passed to me on the phone ). 
I pointed out that the program does not have such restriction, it asks for the following : -- -- -- - The lower price must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. Including special promotions such as XXXX Friday or door buster sales. 
-- -- -- - Therefore, a price available in a store catalog ( XXXX in-store online catalog ) as the one I sent is perfectly acceptable. There is no such exclusion like the reason I received ( " being available worldwide '' ) in the What 's Not Covered section. Anyway, it 's even available worldwide, it 's a public and official retailer website that anyone can use. 

It is not the first time the program does not follow it 's own terms. I recommend CFPB to follow closely claims like mine being denied. Citi is not taking responsibility. I 'm registering this denial also when Citi receives a class action, so I have documentation that Citi had opportunities to fix the situation. 

My claim is valid, the ad is still available at the time of sending this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  price {$59.00} XXXX XXXX XXXX GPS Smartwatch, Regular Fit, XXXX
Product: Checking or savings account

On XX/XX/XXXX a debit transaction attempted to clear my account. It was not an ACH or A Check but a debit transaction. This transaction was denied and I was charge a {$32.00} fee by XXXX. This merchant attempted to charge my card again on XX/XX/2020 and again XXXX charged be {$32.00} for this attempted debit transaction. I made it very clear to the XXXX customer service rep that I don't have overdraft coverage and I opted out of this coverage with one of their customer service representatives by phone to mitigate fees like this. It outrageous to assume that banks would try to charge someone a fee for an attempted debit transaction. This is just greed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach and now they are charging {$30.00} to put a credit freeze on accounts, this is absolutely ridiculous and should n't be allowed! My next step is a lawyer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries I didn't realize they ran my credit so many times