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

On  X/XX/2017    I received an email from Chase Bank alerting me to a charge made on a credit card that I had not made any charges to in probably a year or more. Also, the credit card had not expired and Chase made a duplicate of the card and mailed it to me without asking if I wanted a newer version of their card and extra business services attached to the new card. I never received the new card and charges are being made to that card and  Chase  maintains that the interest rate is why my balance is over {$2300.00} on a card that has not been used in over a year. The credit card max balance is {$2500.00} mind you. So in all of that time that the card had not been used and {$75.00} per month was being paid per direct withdrawal, I had not even paid them an amount to equal {$200.00}. In addittion on the credit card website providing my balance statement and charges, it clearly states that my payments are {$68.00} but if you check how much I have been charged, the amounts are usually in the $  XXXX  range. I feel so cheated. Please investigate  Chase  's business practices as it is likely their predatory style is the norm for millions of other  Chase  credit card holders. Thank you in advance.  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/XXXX, a XXXX XXXX sales associate told me I qualified for an upgraded XXXX XXXX credit card. I previously had an in-store use only credit card for XXXX XXXX. She did not detail that the upgrade would be a different credit card ( XXXX ) and only asked me to answer one question ( income ) and provide my license. I did not receive a new credit card in the mail. I did receive a new bill with the XXXX logo on top. I called to make a payment and asked about the CC on file. They apologized and said this is a common issue. Sales associates are not providing full details that the customer is signing up for a new credit card. I immediately paid the bill and requested it was cancelled. In XX/XX/XXXX I received a new bill which showed I had made a Payment and there were no purchases, fees or interest charged ; however, I had a new balance of {$2.00}. I called, spoke to an agent and was told they would ensure the card was correctly cancelled. This month ( XX/XX/XXXX ) I received another bill which again showed I there were no purchases, fees or interest charged ; however, I had a new balance of {$2.00}. XXXX XXXX has mislead consumers. I have now requested three times to have my CC cancelled and yet they will not close it.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX first XXXX keeps calling 2x daily and last week I actually spoke to a Human who called and I as them not to call since this is a Government Facility and I don't know who they are trying to collect from? and I keep getting calls daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back 2013 it was said that l had a payday loan which is incorrect. Tried to contact company and was told to get police report.. Did n't work because l need some type of paperwork.only thing they 'll give me is what loan amount was..that 's it no other proof..have n't received any call backs from company.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I was away on XXXX XXXX when this was charged to my account, when I noticed my credit declining I decided to look into it more and noticed it was decreasing due to the amount of {$370.00} sitting in collections for me to pay. I instantly called XXXX sometime late last year after being released from military orders and I explained to the them this information and how I share the same name as my grandmother in case there was any confusion given that this is a medical bill and shes older and because I was on XXXX XXXX XXXX  all my medical would go through the military hospital and would be fully covered. They attempted to dispute this charge. I just found out this morning that this collection is back at AARGON Collection Agency so I called them back. They told me to either go to the police and tell them its fraud or pay it so my credit can go back to normal. I do not know what else to do, but it is ruining my credit and just want to get this resolved.
Product: Bank account or service

Bank of America has not provided any information of whats the cause of them putting me on XXXX, I have requested for them to send me any paper work for over 16 Months and BoA Just keeps telling me that there 's nothing on there system reporting me as fraud
Product: Vehicle loan or lease

Hi, This is my XXXX time requesting this information. Your customer service representatives keep giving me the run around. 

May I please have the agreement that was set in place for the security interest on my XXXX XXXX XXXX? 

DO NOT send that retail installment agreement. That is not what I am asking for. 
If you are still confused what I am asking for you may have it labeled as the " Purchase agreement '' or " bill of sale '' I do not want it sent by mail because you are not going to send it out. Either email it or reply back to this complaint with it. 

My email address is XXXX Thank you
Product: Credit reporting or other personal consumer reports

I requested forbearance for my auto loan with toyota financial services back during the covid time in XX/XX/2020. I requested this online and due to the large number of requests it took awhile for the toyota finaacial to process my request.

But during the time of this request, toyota financial reported that I am 30 days past due for the month of XXXX. I did some research and found out that this type of conduct is illegal when the federal government has passed the cares ACT. 

This is affecting my credit score and affecting my ability to get qualified for loans. I would like CFPB to get involved in this matter to stop toyota financial from abusing its customers and to rectify my credit report.

I did reach out to toyota financial to correct the credit report but they are denying their involvement. 

Please advise me on how to resolve this matter. Thank you. 

I can provide documentation if needed.
Product: Debt collection

I was not provided any information about this debt prior to account ( s ) being placed on my credit report and I did not have the opportunity to dispute. 

Please provide Validation of debt, Method of Validation and Assignment of Debt for these accounts as they are not mine. 

FIDELITY PROPERTIES IN : # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Credit card or prepaid card

A credit card was opened in my name and social security number. It was opened in XX/XX/2022. I just found out about it. I received late notice from XXXX XXXXXXXX XXXX The account. number ended in XXXX. I have no knowledge of this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing the incorrect fraud things on my credit I XXXX  XXXX  say I own {$0.00} I wont deleted XXXX/XXXX  say I owe {$0.00} charge off deleted XXXX  XXXX XXXX I don't own I demanded them to deleted for {$460.00}, XXXX  XXXX XXXX  balance {$970.00} I demand deletion still not remove, XXXX XXXX  I ask to be remove, XXXX XXXX I demanded it to go XXXX/XXXX  I demand gone still nothing
Product: Credit reporting or other personal consumer reports

XXXX & Equifax received a dispute from XXXX dated XX/XX/2023 stating all bankruptcy information was deleted from their system. On XX/XX/2023 XXXX in case # XXXX reported the information unverifiable and XXXX & Equifax will not validate their sources of information. XXXX has deleted this information. 
FCRA REINVESTIGATION Pursuant to section 609 ; you must provide the physical documentation on file held by the credit bureau, which was used to verify the reporting of the accounts listed below. Pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) I demand in writing ALL INFORMATION in my consumer file at XXXX & Equifax, stored by any of its subsidiaries, or any other entities maintaining data on behalf of XXXX & Equifax or its subsidiaries as of the date that you receive this letter regardless as to how, where, or in what form it is stored. In the event the credit bureau does not have physical documentation stored within their business records to verify reporting of the item listed below it must be deleted & blocked immediately. Any item after the investigation that the credit bureau determines to be UPDATED or VERIFIED within 15 days of such determination shall provide me explanation of the nature of the dispute and include all evidence used that led to such determination pursuant to 15 USC 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Please remove the late markings ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 section 602 a states i have the right to pivacy. 15 usc 1681 section 602 a states i have the right to privacy. 15 USC 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 1 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX Telecheck took a return payment that was coming to me from XXXX. The amount is {$490.00}. The case number for Telecheck is XXXX. Telecheck has admitted this was in error however provided no solution other than filing a claim which they stated could take up to 30 days. Telecheck is also reporting an issue with me as a consumer during this time which does not allow me to write or get checks cleared through merchants. Telecheck has confirmed this is there error. Telecheck stated they have attempted to refund these funds to a closed bank account and again have not offered a resolution. I have been without these funds since my refund processed through XXXX on XXXX XXXX XXXX. Hard to believe a compnay can withdraw funds without your consent and take up to 30 days to resolve their issue. Also the fact they are negatively reporting me as a negligent consumer should not be legal.
Product: Debt collection

I was check my Credit Report on XXXX XXXX, 2015 I saw Trident Asset Management report ( Account # XXXX ) to all Credit Agency that I owing money to XXXX in the balance of {$120.00} so I send them a VALIDATION OF DEBT on XXXX XXXX, 2015 with CERTIFIED MAIL and delivery on Tuesday, XXXX XXXX, 2015 and I call in talk to XXXX on XXXX XXXX, 2015 at XXXX said that they got my VALIDATION OF DEBT ( VOD ) letter and will respond the VOD next week but as of XXXX XXXX, 2015 the VOD pass XXXX days and I have not got any respond from them and I call them again talk to XXXX on XXXX XXXX, 2015 at XXXX he said that they got slow respond from XXXX to VALIDATION of my debt. Should they have all these info already when they try to collect the money from me? Anyway XXXX and XXXX have DELETED from they filed but XXXX XXXX but I also found out that Trident Asset Management sits on a collections advisory board with XXXX from XXXX here the link ( XXXX ) I think that is why it not DELETED. I 'm attach : 1. LETTER FROM TRIDENT ASSET MANAGEMENT 2. VALIDATION OF DEBT 3. XXXX XXXX DELETED LETTER 4. XXXX XXXX DELETED FROM XXXX. 5. XXXX CERTIFIED MAIL TRACKING NUMBER. 

Thank You, XXXX XXXX
Product: Credit reporting

I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and Experian. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Product: Credit card

On XX/XX/XXXX, there was XXXX unauthorized transactions from depop. 
XXXX. XX/XX/XXXX - XXXX  - {$75.00} XXXX. XX/XX/XXXX - XXXX  - {$35.00} XXXX. XX/XX/XXXX - XXXX  - {$90.00} XXXX. XX/XX/XXXX - XXXX  - {$240.00} XXXX. XX/XX/XXXX - XXXX  - {$420.00} I immediately called them about the transactions, reporting a fraud that had taken at the time and they responded by email. I will attached this email on file. Also, on XXXX statement on discover account, there were no transactions on the statement, which can only mean that they had taken care of the transactions and reported as fraud. Then, on XXXX statement that will be shown on the pdf, they reversed the charges back onto my account for the total of {$800.00} of XXXX transaction, XXXX of the transaction for {$75.00} was taken care of but the rest of the other XXXX transactions were not. Since, that day on XXXX, we tried contacting them and they explained to me, " you do not have enough evidence to prove this was a fraud. '' I've been contacting them for the past XXXX months about this case. Which, resulted with me having to pay interest as well as late fees. To my knowledge, I should not have to pay or be responsible for these unauthorized charges. In the span of those months, I paid for every single payment on time or before, and the only payment, I did not paid was the XXXX unauthorized transaction of {$800.00}. Now, as of today, discover sent me an email saying, " if I do not take action by XX/XX/XXXX, this account will be reported as delinquent to the credit bureaus. '' Every time, I called discover, they informed me that the investigation is still going on. '' But this investigation has been going on for XXXX months already. It seems to me like they are buying time. To get in contact with me, please email me XXXX or phone number at ( XXXX ) XXXX.
Product: Debt collection

was notified of a collection added to my XXXX report from a company called XXXX XXXX XXXX today XX/XX/XXXX for a check n go account. This is from XXXX and was filed and discharged under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XXXX I tried to dispute on XXXX and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these violations
Product: Bank account or service

Wells Fargo opened a line of credit account in my name without my consent. I have been on the phone with them for hours over the past few months trying to close out all accounts with them. Their phone representatives tell me the accounts have been closed but I keep getting statements for a line of credit stating the balance ( which is XXXX ) and the available credit I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was stationed overseas and experienced identity theft, two credit cards were opened on my name. One from XXXX XXXX and One from Chase, I have never done any interactions with either bank before this issue occurred. The purchases and use of card was done in the US while I was overseas. I have attempted to resolve this with the companies but since I had no information other than my name and social they couldn't help me. I have disputed this charges through the credit bureus and Federal Trade Commission. I would appreciate all the help I can get, these cards have ruined my credit score, I have never missed payments in the past and now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized accounts are not mines, they do not belong to me in any manner, and I'm demanding that they be removed and blocked from my credit file. The three major reporting agencies are the problem, each has experienced an breach but does not take any responsibility for their lack of security and the mishaps of your credit file. You constantly telling these agencies that you did not open nor authorized these accounts but yet they seem to be working against you. I was incarcerated for 10 years even when this account was opened. So please remove and block the following accounts from my credit file immediately. 

1. XXXX XXXX 2. XXXX  XXXX XXXX
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES -- Opened XX/XX/XXXX ( 4 yrs, 5 mos )  Account status -- Open Responsibility - Individual Original Creditor Name -- XXXX XXXX XXXX XXXX XXXX Balance - {$3700.00} This card was a SECURED credit card with XXXX/XXXX XXXX. I have tried repeatedly to obtain information on this account from PRA and have received none of the information requested. This account was requested to be closed on XX/XX/XXXX and was never used after that date, no payment was made after that date.