23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/ three purchases appeared on my Chase Visa credit card bill from XXXX XXXX : {$66.00}, {$66.00}, and {$52.00}. I called Chase immediately, spoke to the Fraud Dept., told I was not responsible, and the charges were removed. They canceled the card. In a letter from Chase dated XX/XX/ I was told I was responsible for the charges because I " received benefit from these transactions ''. When I called the Fraud Dept. again I was told the charges could only be made with my card. Said card never left my possession, and all I purchased in XXXX that day were lottery tickets for cash. Fraud Dept. told me to speak to XXXX 's bookkeeper to see if they could see what the purchases were for. I was told they do not have the ability to do so. The three charges appeared again on my XXXX statement and in a letter from Chase dated XX/XX/ I was told the charges are valid, I'm responsible for them, and they have completed their review. 

Credit card was in my possession when I called them, and it never left my wallet. I did not make any purchases in XXXX that day except for lottery tickets in cash. I would love to know what " benefit I received from these transactions '' because it was not me who benefited.
Product: Debt collection

Sent a letter to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX letting them know that XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She suffers from a XXXX XXXX and XXXX with XXXX XXXX in the right hand. In 2020, Mrs. XXXX lost an XXXX XXXX XXXX XXXX XXXXl. XXXX XXXX is only receiving social security and she is unable to pay any debt. This letter was ignored and no one responded to her/our letter. I am XXXX XXXX, her niece and I assist her with any correspondence. I can be reached at XXXX. 

Thank you.
Product: Credit card or prepaid card

XXXX / XXXX /  XXXX   {$680.00} I did not sign, nor did I authorize this charge, I have disputed this charge, and submitted complaints, however,  chase  has simply ignored the facts that this charge was not signed for by me, nor authorized by me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and notice some fraudulent accounts on my report. Please remove these accounts off my report. They are hurting my ability to obtain credit.
Product: Debt collection

Radius Global Solutions, LLC has attempted to contact me via text message on multiple occasions. After each attempt, I have opted out of that type of communication by replying STOP. After every reply of STOP, this company has continuously attempted to contact me via text message. I have never received anything written via mail from this company from this debt that they are attempting to collect. This behavior is in direct violation of TCPA and demonstrates abusive collection matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim, in an identity fraud, attempted credit card acquisition and hard inquiry scheme that occurred twice, on the dates, of XX/XX/XXXX ( XXXX XXXX XXXX and XX/XX/XXXX ( Experian reporting ). XXXX  XXXX XXXX XXXX XXXX was the host bank that conducted these fraudulent credit inquiries which was initiated by an unknown person who stole my personal information credentials possibly from a XXXX address as disclosed to me by XXXX  XXXX XXXX XXXX department. However, my conversations with XXXX  XXXX XXXX XXXX department, on XX/XX/XXXX yielded no results, in removal, of the hard inquiry pending conclusion of their investigation. In fact, the violations of my credit files continued with another fraudulent credit inquiry, on XX/XX/XXXX, at which time I spoke to XXXX, a member of XXXX  XXXX XXXX XXXX department who advised me that a letter will be sent out to me, by XXXX  XXXX XXXX confirming the fraud credit breach which would have allowed me to secure a police complaint report in XXXX XXXX XXXX. There has been no communication from XXXX XXXX XXXXXXXX since XX/XX/XXXX. The XXXX XXXXud credit inquiries still remain on my credit report, from Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Checking or savings account

In XX/XX/2023.I discovered that my Capital One Bank withdraw more than {$2000.00} from my checking account without my permission using XXXX XXXX. I immediately called the bank and explained that I had never had account like cash app.After many questions, In gave them all information.The money was withdrawn through my debit card.I live alone and no one has access to my financial documents.On XX/XX/XXXX. {$1300.00} was charged again from my debit card. I had new password but someone has access to my debit.I called the bank again but they refused to return the money to me. I am retired, my Social Security is not very big, but the bank manages my pension at its discretion.Convincingly, I ask you to help me. 
Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/18 I made contact Diversified Consultants to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( DCI ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on DCI 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX & XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

On or around XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent letters via certified mail that also included a copy of my driver 's license and a utility bill to verify my identity to Resurgent/LVNV Funding. I sent the letters after I obtained a copy of my consumer report and I saw that they were reporting a debt. I requested verification that shows it was me who owed the debt. I requested to have the documents with my original signature as I am a victim of identity theft and have identified several names and addresses on my consumer report. Resurgent/LVNV Funding has failed to provide me with the proper disclosures for verification of this debt however they continued to send letters and call me to collect on a debt that I do not know of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Account number XXXX XXXX XXXX XXXX Someone used my card to XXXX {$220.00} XXXX transaction. When I called XXXX, they refused to do anythingabout it. Thus I filed a dispute with Capital One only to receive a decision of denial .Capital bank put the charge on mycredit card after the credit card has been closed and paid off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Dear XXXX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 

The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$6200.00} Account Number : XXXX Party Owed : XXXX XXXX  Amount : {$500.00} Account Number : XXXX Party Owed : XXXX Amount : {$2000.00} Account Number : XXXX I am disputing this claim due to. I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1661 b. The Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 

You, XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly conunit fraud and cause harm to consumers. 

This is the official request to have the aforementioned item to be deleted off a credit report. 
Enclosed may be additional evidence to support my claim Sincerely, By XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans-Union Credit bureau discloses in my credit as the following ( Debt included in bankruptcy ) I have already sent them a letter from the XXXX XXXX XXXX  to Trans-Union stating that the debt was voluntarily paid in full and not included in the bankruptcy ( which is not allowed in CA ) I am attaching a letter again from the XXXX XXXX XXXX, this time dated XX/XX/2018 stating that the debt was paid in full and if they want to investigate for for any questions, they can contact the Dept 's Default Resolution group to confirm the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate and late payments being reported on my credit report. 

You all have responded and said everything was verified as accurate but on my most recent report, it shows that you all did not investigate properly You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

This is not being reported accurately because XXXX is marked late on my Equifax report and no where else, XXXX is marked late on my XXXX report and nowhere else, XXXX is marked late on my Equifax report and no where else, XXXX is marked late on my XXXX report and nowhere else, XXXX is marked late on my Equifax report and nowhere else and XXXX is marked late on my XXXX report and nowhere else. 

please update all to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not providing me with my credit score or showing my credit profile. When I call, reps at the bureau state that I am reporting as deceased. Obviously, I am not deceased. My father and I shared the same name. My father has since deceased and I believe Experian has mixed our credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my notarized affdavit to XXXX. I called last month and talked to XXXX from the fraud department who asked me to send in my fraud package. after sending it to them they did not comply with anything and said they don't have to block the fraudulent account even after going to the XXXX XXXX  XXXX Police Dept and filing a police report in person. they sent me some generated letter saying if i want to block the fraudulent account to send it my Police report and affidavit that i have provided them. Today at exactly XXXX XXXX  i spoke to XXXX who said he was fraud department integrity team and completely said he won't do anything and he didn't care what XXXX told me and said he doesn't have to follow the FCRA rules. I told him i got some letter saying if i wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605B I told asked him to transfer me to a supervisor and he hung up on me. I have done everything in my power to fix this fraudulent information if this is not fixed my only option is to file a lawsuit
Product: Money transfer, virtual currency, or money service

On FridayXX/XX/XXXX we requested XXXX to send a wire transfer to Coinbase, Inc. Wire was sent by XXXX on Monday XX/XX/XXXXwith following details : Wire transfer federal reference nbr : XXXX Amount Sent : {$77000.00} On XX/XX/ We received an email from Coinbase , Inc saying the wire was being reversed and if we don't receive the funds back in three business days we were to contact them on their wire support email.

Since then we have opened three support cases with them and emailed the wire support several times, but we have not seen any effort on their part to return our funds or credit it to our account at Coinbase. 

We have received response to some of those emails saying they are working on the issue, but it has been 25 days since the wire was sent to them and 24 days since we received the email from coinbase saying our wire was being reversed. But we don't see much effort to resolve the issue. 

The funds sent to coinbase were from liquidating my wife 's IRA and as such represent a large portion our life savings. Both me and wife are over 50 and don't have many years left till our retirement. We simply do not have the time ( number of years ) or the physical capacity to build up another nest egg. We have made the same appeal to Coinbase, but they don't even respond. Any help you can provide in recovering our funds will be highly appreciated. 

Thank you,
Product: Credit reporting, credit repair services, 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  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> Equifax XXXX XX/XX/year> XXXX on my credit report unknown
Product: Credit reporting, credit repair services, or other personal consumer reports

there is 2 credit inquiries identical from XXXX XXXX XXXX on same date as well ( XXXX ) on my transunion credit report.
Product: Mortgage

My wife and I got a HELOC from Bank of America in XXXX that had a 10 year draw period with no interest. Our payments fluctuated every month and reached more than {$4100.00} a month in XXXX. We applied and got approved for a HELOC loan modification in XXXX with our payments reduced to {$1800.00} a month. 
We made the trial loan modification payments on time every month and Bank of America was scheduled to send out a permanent loan modification package. We never received the loan modification package until we asked BoA to send the package again. By the time we received it, we did n't have time to address concern we had with the terms and Bank of America gave us only 3 days to sign and send the loan modification package back. We did n't sign it in time to send back and Bank of America cancelled the permanent loan modification. We continued to make the trial modification payments but Bank of America has n't applied those payments towards the loan because the loan reverted back to the pre-loan modification monthly payment of over {$4000.00} a month. Thus, we are considered past due since the loan adjusted in XXXX. We were told that we had to start a new loan modification process all over again in XXXX. Since then, we have submitted documents to be reviewed for a new loan modification to reduce our monthly mortgage. However, we would rather pay the loan off as it 's a HELOC and we ca n't draw on the loan anymore. Bank of America has placed our loan in foreclosure although we are in an active review for a loan modification. We have sent documents to Bank of America to review just as we did the first time we got a loan modification, but Bank of America is not acknowledging some of the documents or is requesting documents that we already sent.
Product: Debt collection

Dear Sir or Madam, I am writing to file a formal complaint regarding the handling of my outstanding credit card balance. Despite my attempts to resolve this issue, I am facing significant challenges due to the failure to arbitrate my case and a lack of communication from the legal representatives assigned to my account. 

My case has been sent to Mullooly, Jeffrey, Rooney & Flynn LLP for collection, yet despite multiple attempts to reach them for a resolution, I have not received any meaningful responses. I am concerned about their reputation based on the information available publicly, which adds to my unease about the handling of my case. 

Additionally, I was served an outdated summons on XX/XX/XXXX, for a case that was originally filed on XX/XX/XXXX. This delay and lack of clarity on such an important matter has only further complicated the situation. I have made several attempts to resolve this directly with Bank XXXX XXXX but have consistently been referred to Mullooly, Jeffrey, Rooney & Flynn LLP without any resolution to the outstanding balance. 

I respectfully request your urgent assistance in addressing this matter. It is my belief that further delay or lack of resolution may result in undue hardship for me. I would appreciate it if you could provide me with guidance on how to proceed and ensure that my account is managed appropriately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Mortgage

I filed a complaint with you about this and now I was just served with an ejection notice from the sheriff.
Product: Credit reporting, credit repair services, or other personal consumer reports

An affidavit was sent to EquiFax due to someone attempting to open accounts using my name and social. Due to this, hard inquiries were placed on my account and negatively impacted my credit score and my ability to get approved for funding. 30 days passed and a letter was received stating they needed a copy of my ID and Social which was sent in the original packet sent to them. Original packet was sent on XX/XX/XXXX and it included the affidavit, dispute letter, and copy of social and drivers license.
Product: Credit reporting

There is an address on my report. I have no idea who 's it is I have never lived there and do n't know anyone who could live at this address. It is XXXX XXXX XXXX XXXX co XXXX