23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I filed a dispute about some charges on my debit card with chase bank XX/XX/2016. the unauthorized transactions were XX/XX/2016 through XX/XX/2016. I had contacted the merchant in XXXX 2016 regarding the first transactions and told me they were going to do an investgation. Some more transactions were charged in XX/XX/XXXX to which i followed up with the merchant about the XX/XX/XXXX transactions and about the XX/XX/XXXX transactions, to which they said the had 60 days to resolve the issue and give a refund. At that point I called CHASE BANK ( the issuer ) to get help on this matter, to which they told me to call the claim with the merchant, and if that did not work to call them again to initiate the investigation with the merchant. Again in XX/XX/XXXX other transactions were charged to the card, and followed up again with the merchant as per CHASE had instructed me. The charges stopped at that point, but my money was never refunded as the had promised. Therefore, I called Case in may to file the disputes, allowing me to do it and had told me that they were to refund the money while the conducted the investigation. The send me a form to fill out electronically, and I filled out completelly and returned to them within 2 days. CHASE never credited any money back to my account and said the would not give me my money back period. This happened in less than 3 days of filling the dispute. An investigation with the merchant never happened. I had done more than they did. At least I did a 3 month investigation, making me think that Chase would not conduct the investigations on fraud cases for their customers. I called the merchant again in XXXX 2016, and they deny any disputes. I went to my chase branch in person to ask to reopen the case on XXXX XXXX, 2016 and as of this moment nothing has been credited back to my account. Here is a summary of the unauthorized transactions : {$98.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$58.00} on XXXX/XXXX/2016, {$70.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, for a total of {$1000.00}, merchant name : XXXX
Product: Credit card

On or around XX/XX/2023, I mailed the attached dispute letter to Chase. On XX/XX/2023, XXXX XXXX at Chase contacted me about the dispute. She said Chase required a second opinion letter on the jet ski. I told her, I had sold the Jet ski and that was impossible. XXXX said she had no mechanism to process my claim without me taking the jet ski to a dealer to get a second opinion. She noted her system would not allow the claim to move forward with that document. I asked her to note my objections and send me a written response. 

I don't believe the credit card company can unilaterally impose a requirement that I obtain a document that is impossible to obtain. I'm not aware of any requirement in the law. This appears to be an internal procedure created by Chase. 

At no point was I advised that I would need a second opinion letter when filing a dispute. I took pictures of the issue, have testified to the issue, and the merchant does not deny it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Notice of Intent to Pursue Litigation and Demand for Compensation Dear LCI Consumer Center, I write to put you on notice of my intent to pursue litigation against your company for multiple violations of federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( ICFA ). Your willful and negligent disregard for my rights has caused significant harm, and I demand compensation and remediation for these violations. 


Your sale of my personal information to XXXX without my written consent constitutes a direct violation of 15 U.S.C. 1681b - Permissible purposes of consumer reports, and 18 U.S.C. 1028A - Aggravated identity theft. Furthermore, you have failed to provide the method of verification required under 15 U.S.C. 1681i ( a ) ( 7 ), thereby necessitating the prompt deletion of all information which can not be certified or verified, per 15 U.S.C. 1681i ( 5 ) ( A ).

The United States Bankruptcy Court has provided an affidavit refuting the verified or confirmed status of the information you claim is accurate. It is clear from this affidavit that your company is in willful violation of the FCRA by storing and disseminating uncertifiable and unverifiable information from to third parties. 


It has come to my attention that I have experienced the same issue with XXXX, who has verified the Bankruptcy listing within their file as unverifiable. Your continued noncompliance only exacerbates the matter, and I fully expect a satisfactory response from your company. 


The law is unequivocal in terms of civil liability and remedies available to me under 15 U.S.C. 1681n and 15 U.S.C. 1681o if you fail to comply with federal and state laws. As a litigious consumer, I fully intend to pursue litigation in this matter to enforce my rights under the FCRA, the ICFA, and any other applicable laws. 

In light of your multiple legal infractions, I am now demanding {$1000.00} in compensation for each of the following willful disregard and blatant violations : XXXX. Permissible purpose : {$1000.00} XXXX. Defamation of character : {$1000.00} XXXX. Damaged reputation : {$1000.00} XXXX. Damaged creditworthiness : {$1000.00} XXXX. Damaged mode of living : {$1000.00} XXXX. Infringement on right to privacy and aggravated identity theft : {$1000.00} I demand that LCI immediately delete the contested record ( Bankruptcy Records ) and provide compensation for the aforementioned violations. You have ten ( 10 ) days to provide a settlement and to completely remove the contested record. 


Failure to comply with this demand will result in my pursuit of legal action to enforce my rights and seek additional damages as warranted by law, including but not limited to, court costs, attorney fees, and punitive damages. This is your final warning. 


I eagerly await your response and hope that you will take prompt action to rectify this matter. 



















Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I realized I had two inquiries I did not authorize on my report. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Navy FCU XXXX These inquiries did not authorize and I asked this to be removed do to identity theft this is very disturbing and I have place fraud alerts on my credit file already. Please remove these inquiries from my credit report please.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and the fraudulent information being reported on my credit file continues to harm my credit reputation. I am submitting this appeal to EQUIFAX in order to request that the following inaccurate and fraudulent information be blocked from my credit report. The associated FTC report number for this case is XXXX, which includes details of the fraudulent accounts. Upon review of my credit record, I have identified multiple suspicious and likely fraudulent entries, including accounts that were opened without my consent or approval. These entries appear to be false and without any legitimate authorization from me. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to demand that these fraudulent entries be promptly removed. I request that you take immediate action to ensure that the information being reported on my credit file complies with the requirements set forth under FACTA, specifically Title 1, Section 151, which mandates that all information provided to credit reporting agencies must be accurate and verifiable. I am filing this complaint to ensure that these inaccuracies are addressed and removed from my credit report in accordance with both federal and state consumer protection laws.
Product: Credit reporting or other personal consumer reports

Today, I found out that my credit report contains inaccurate accounts, and I don't understand why. As part of my usual routine, I checked my report, only to be surprised by inconsistencies that hadn't been there before. I attempted to refresh the page, thinking it might be a temporary error, but the incorrect information persisted. Therefore, I request that the provided documents be carefully reviewed so I can have peace of mind moving forward.
Product: Checking or savings account

I am a victim of identity theft. I have previously disputed these accounts opened in my name without my authorization. I have previously supplied Regions Bank through the CFPB website a copy of my lease showing that I did not live at the address used to open these accounts. These accounts were opened online due to fraud. Regions requested I send in a copy of the FTC Fraud Affidavit I have on file. I have attached a copy of that as well as correspondence between other financial institutions that have researched this identity theft and found it to be valid. I encourage Regions to reach out to the other banks to verify their investigations found I was not liable for these accounts as they were not opened by me.
Product: Checking or savings account

Beginning on XX/XX/XXXX there were fraudulent charges that appeared on my debit card account with PNC. As soon as I noticed the charges I reported them to PNC. The charges were made in geographic locations FAR from my home that I have never been to in my life. I DID NOT LOSE my debit card, I still have it in my possession. I filed a police report as instructed. The accounts summed to roughly {$3900.00}. PNC has refused to reimburse me even though THEIR system was hacked. When I logged onto my account after seeing the fraudulent charges, someone had added an authorized phone number on my account. I have proof I was at my job in XXXX at the time of the purchase. I have proof the card was still in my possession. PNC told me to reopen my dispute I needed to travel to the location where the fraud took place and retrieve security footage to prove I wasnt the one who made the purchases.
Product: Debt collection

XXXX XXXX XXXX , XXXX ; is reporting a fraudulent tradeline from a credit card that I never had. 

According to their records their was a dispute place on XX/XX/2019. No documents was mailed to me after the dispute. Also according to them this tradeline was paid in full before they receive the account. 

The rep refuse to take my calls.
Product: Checking or savings account

I did a lot of complaint with wells fargo. And they told me they didnt refund XXXX $ but i got proof that they refunded my partial money out of XXXX $ in total. Please go through again. They are keep lying. 

STOP LYING Tell me why those money is refunded. But not the others. Tell me. You said u didnt refund any Money but u did. Why? Why u give me hope? Im working XXXX hrs a week. And its all gone because of international money laundering scammer Is wells fargo helping XXXX and XXXX  wnd XXXX  people? All those transactions are made in those countries. Under president XXXX these shouldnt be happening im gon na write it to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion 2 certified letters One in XX/XX/ 2022 the second in XX/XX/ 2022 to remove outdated information on my credit report on 6 accounts that have been closed and paid in full. They are reporting information that is over 6 years old. They have not responded nor have they removed this outdated information.

Ive included both letters I sent to them as well as a copy of ALL SIX accounts credit report with information highlighted that needs to be removed.

This information is seriously effecting my credit report and is an FCRA VIOLATION. Not to mention they have failed to even respond or investigate these items.
Product: Credit reporting or other personal consumer reports

I been a victim of identity theft here are the XXXX accounts that need to be removed. 

XXXX {$1500.00} date opened XXXX XXXX XXXX {$3300.00} date opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXX XXXX reported a late payment regarding my account. 

I am requesting that this late payment be assessed for accuracy. 

I believe this reporting is incorrect because I was attending XXXX College XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX .I have included the documentation to prove that I was enrolled Full Time during this time that my loans were reported as delinquent and should have been applied as In-School Deferment. 

My credit report stated a delinquency in XX/XX/XXXX from XXXX. I am currently with XXXX XXXX due to a recent loan consolidation, and deeply ap [ appreciate the time and service you previously provided. 

Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me.
Product: Student loan

This loan was paid off in XX/XX/year> through XXXXXXXX XXXX Aidvantage took over all loans but the paper work is in correct. The company will not do anything to help. They have said to send the information to their legal team I did but they will still not respond. This is a scam as far as i can see.
Product: Credit reporting or other personal consumer reports

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My information was leaked in the XXXX data breach and ever since someone has been using my information to open different accounts in my name. There is credit cards, medical bills, loans, a mobile phone, and even a bankruptcy. I filed an FTC identity theft report and it was so many accounts it didn't even let me input all the incorrect info and accounts. I filed a police report with XXXX XXXX Metro and disputed all incorrect info with all three credit bureaus more than once. They have not even removed one account and I should not be held liable for things that I didn't authorize.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time submitted my dispute complaint and no one is doing anything nor am I getting any responses back from any of the credit bureaus. 


XXXX- UNVERIFIED ACCOUNT XXXX XXXX  XXXXUNVERIFIED ACCOUNT XXXXUNVERFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX  XXXX-UNVERIFIED ACCOUNT Public Records-XXXX  NOT MY BANKRUPTCY I want these items deleted immediately. 

Thank You, XXXX XXXX
Product: Debt collection

Equifax has been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. They've assumed this responsibility. According to the congressional findings under law 15 USC 1681 ( a ) ( 3 ), congress made it clear that they assumed this role. I have never given them my permission or consent to do so. Also under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again under 1681 ( b ) ( 2 ), I have never instructed them to furnish or create anything that is on my credit report. They have assumed control over my trust without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes advising the credit bureau that the public records listed on my credit report are not mine and is from identity theft. 

I have been advised that they have investigated but will not provide me the person name they spoke with to verify. 

Ive provided police reports, identity theft reports and documents from the courts to support that they have not been contacted to verify this information.
Product: Credit card or prepaid card

I have a Discover card on my report that was opened years ago. I have been going back and fourth stating that these charges were unauthorized which ran up my card amount and then the card was canceled by the company ( Discover ) because I refused to pay the bill. I can not legally be held accountable for fraudulent credit charges and there were over {$2400.00} worth of charges. The account reporting is not tied to any information of mine. I would like proof of my ID being used to open this account then also of the charges that were accumulated on the account as well. I believe this information is erroneous and needs to be rectified immediately. Removed in good standing.
Product: Student loan

I would like to know why do I have to pay back interest on my student loan. I have a forebears until my case end my be up to 2 years, because my school misled me and closed down. i have a case with the federal borrower defense. It's been 8 months. I don't know why i have to pay navient interest on my loan for something that not my fought.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies 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 that you maintain under my Social Security number. " XXXX  XXXX  Inquiry : XXXX XXXX, 2020 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Money transfer, virtual currency, or money service

IN XX/XX/2019, I was temporarily living in XXXX, XXXX. On XX/XX/2019 I sold a XXXX  XXXX XXXX Multipurpose Electrical Stimulation for XXXX Euros from my location in XXXX XXXX via XXXX.. XXXX item ID : XXXX. The purchaser paid me the amount via paypal. I sent her the item. Everyone was satisfied. I used my XXXX email address. A few days later, after the item was sent, paypal informed me that they were closing that account. Paypal did take their cut for receiving the money and XXXX also received their percentage. I had no idea why they were closing my paypal account, and they would not tell me. They said they would send me an email in 180 days and I could then access the XXXX Euros I had earned. It is now over 180 days, and I have not received the email. I called paypal, but they say that due to covid 19 they do not have any live agents. I went onto their site and their message center is not working. So there is not way to contact them. 
Paypal is owned by XXXX and XXXX uses this service and requires sellers to use it. My funds have been held for around 180 days and I can not find a way to get them. Please fix this problem since, Paypal was a subsidiary owned by XXXX. Please reach out to paypal and have them send me the funds that are currently listed as mine in my XXXX XXXX account. Although I was living in XXXX XXXX in XX/XX/2019, I am now living in the United States at the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX, West Virginia XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

in 2018 when i was in college still i co-signed a XXXX XXXX credit card for him and hes made on time payments with them and closed the account. much like All the credit cards open in 2018 i co-signed with my brother they all say Joint when i see them on my credit report this one on the other hand says individual. my brother has no knowledge of it and neither do i. ive tried to dispute it but it doesnt come off please help me i honestly have no clue where this is coming from. it even said payments were made until a certain point and i know it wasnt me because i didnt even have a job at the time to make payments on anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not properly investigated the accounts in question on my credit report. I have attached a copy of my report, complaint, along with the accounts in question. I have communicated that these accounts are unverifiable and MUST legally be removed from my credit report. I sent my dispute via certifed mail : XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This serves as an official letter, and I am choosing to opt out of the Consumer Credit Reporting Companies. I want to permanently opt out of Equifax, XXXX, XXXX, and XXXX, and provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. I also want to remove my name from the list for firm offers of credit or insurance.
Product: Debt collection

Debt collectors have provide and report inaccuracy information not belonging to me all three mayor credit bureaus.