23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have closed my Chase Credit Card Account ( XXXX XXXX Rewards Business Card ) because Chase is now charging an Annual Membership Fee of {$99.00} on my existing account. I do not want to pay for the NEW charge. I called Chase Customer Service as soon as I received my XX/XX/XXXX statement that included this new annual fee. I called on XX/XX/XXXX, and requested that my account be closed immediately, and that the {$99.00} annual membership fee be immediately removed from my account. 

Chase did close my credit card account properly. But, now 10 days later, the {$99.00} fee still appears on my account. I called today ( XX/XX/XXXX ) and spoke with a customer service representative and a supervisor. I was told that it would take 1 to 2 billing cycles for this charge to be removed from my account. I was told that their " system '' could not handle removing this charge immediately. 

This is unacceptable. 

If I wait until this charge is actually removed, I could end up with a negative mark on my Credit Report. Just because Chase 's computer system is unable to remove this charge makes no sense to me. Just because Chase 's computer system is unable to remove this charge, I could suffer from a negative Credit Report. 

Again, this is unacceptable. 

Please ask Chase to immediately remove this {$99.00} Annual Membership Fee from my closed credit card account. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am formally asking a investigation XXXX u.s.c XXXX into the XXXX XXXX XXXX XXXX  that is repeated misreporting inaccuracies on my credit report on closed c/o items that is leads to unlawful change into Deliquency Dates can also lead to Reaging debt due to Statue of limitation XXXX XXXX which is i violation of FCRA It is affecting my ability to obtain Credit I ask that this be Deleted from my Equifax report as it XXXX Deleted from my other Credit Reports
Product: Credit card

I have an account with CitiBank that ended up with Fraudulent charges. Citi was good enough to call me to check on the unusual activity within 2 days of the incident. Several charges were identified as fraudulent which they said they would take care of. A few days later after review my account, I called them to ensure all fraudulent charges were part of the investigation. After several ( 5-6 ) calls, I am still waiting for them to refund all the charges. It has been since XXXX XXXX. At this point, there is still XXXX charge remaining ( {$64.00} posted XXXX/XXXX/16, Description XXXX ), interest has been charged ( {$5.00} ) and a payment is due. I do not want this to effect my payment history but am unable to get the final charge refunded. My most recent call on XXXX, I was told said it would be credited in 3-5 business days. My call yesterday provided no additional updated ... .they are looking into it and no a supervisor was not available. Hoping you can help with resolution.
Product: Credit reporting

Equifax is reporting XXXX XXXX again on my credit report. I 'll written to you all before about this account associated with XXXX. It has appeared as XXXX XXXX and was removed ; it has been XXXX XXXX XXXX. This is the second time it has been reported as XXXX XXXX
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT - CFPB I am writing to dispute fraudulent information on my credit report under 15 U.S.C. 1681c-2 and request that this information be blocked. I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my claim of identity theft. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block the identified fraudulent information within four business days. 
The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX INQUIRIES : XXXX XX/XX/2024 As required by law, this information should be blocked for one year, at which point I may request an extension of the block. During the block period, you are prohibited from reporting these accounts unless you have verified that my report no longer contains fraudulent information. 
I have contacted the credit bureau multiple times to report these fraudulent accounts, but no resolution has been provided. This has severely impacted my ability to purchase a home for my children. It is especially concerning that other credit bureaus have removed these collections after determining they were fraudulent, yet this bureau continues to claim that these accounts belong to me. 
Additionally, I have requested contracts from the company in question that supposedly opened these accounts using my information. Despite more than 60 days passing, I have not received any response. This lack of action further supports my claim that these accounts are not legitimate. 
I respectfully request your immediate assistance in deleting these accounts and any related inquiries from my credit report. I have enclosed the FTC report for your reference and trust that this matter will be handled with urgency. 
RESOLUTION REQUESTED : Please delete these fraudulent accounts and inquiries immediately. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I had been talking with a company that I was planning on working for for over 4 days and they sent me an online check for {$4500.00} from XXXX XXXX XXXX XXXX XXXX in order to pay for various hardware and software products I would need for the job. This money would then be sent to their vendor in order to purchase these items. This company had interviewed me and I trusted them for the most part since we had been taking for a while. I deposited the check that day and waited. The following day I checked my WellsFargo account and the check appeared to have cleared, as my balance had gone up by {$4500.00}, giving me the impression that there was no hold up. I then payed the vendor I was instructed to pay, sending them 4 installments of {$1000.00} XXXX through XXXX XXXX. Shortly after this took place, I deposited a second check for {$4500.00} which was placed on hold almost immediately. It was this same day ( XX/XX/21 ) I noticed my balance had dropped by by $ XXXX because of the payments but the check that had originally cleared was now placed on hold as well. At this point I knew I had been scammed but what was most frustrating was the damage it caused. My monthly rent, which I was about to pay, was taken and I received no compensation from Wells Fargo what so ever even after filing two claims of fraud and filing a police report. I was told the claim was denied simply for the fact that it was a wire transfer. Wells Fargo themselves had shown the check as cleared which was the only reason I made the payments in the first place. Ive sent all the conversations and emails I had with the scammer to Wells Fargo claim department but that seemed to do no good either. As both claims were still denied
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an inquiry on my credit report from XXXX XXXX that I did not make. I have never used this company. Tower loans currently has accounts on my credit that are in the amount of XXXX, and XXXX. I have never had an account with this company. My information was included in a data breach that happened in XXXX. My identity has been used on several occasions to obtain loans and credit cards. These accounts and recent inquires are proof because I have never used this company.
Product: Debt collection

XX/XX/2021 The company violated my medical rights under HEPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that on XX/XX/XXXX when I obtained my credit report of WRONG BALANCES REPORTED, WRONG VARIATIONS NAMES, WRONG opened dates of multiple trade-lines. I tried to get the wrong information fixed but no success all around.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$840.00} Late/Open XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX {$440.00} XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance Owed : {$840.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, XXXX, Equifax regarding the following accounts. 
- XXXX XXXX XXXX- this is not my account- {$4900.00} - XXXX  - this is not my account- {$11000.00} - XXXX  - this is not my account- {$9600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We've had this credit card since XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In XXXX we used the card to help our son open a XXXX. Six months later, he unexpectedly XXXX XXXX in a XXXX XXXX. We lived 5 hours away from the XXXX, and hired a new manager who ran the business into the ground. We kept it going until XXXX, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called XXXX and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.
Product: Credit reporting or other personal consumer reports

Southwest credit solutions continue to add this account to my profile. This is the 3rd time, and the bill has been removed each time. 

This is not my debt.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX! I am writing yet again with another complaint against this Fraudulent company. I applied for a card at the end of XX/XX/2021. I was approved for an account and told that a new card would be mailed out. At the end of XXXX after not receiving the card, I started receiving notices about an Annual fee being charged, although I had not yet received the card or activated the card. 
I called their overseas customer service department and was told that a replacement card would be sent out. 
It is now XX/XX/2021, almost one and a half months since the opening of the account- without a card in hand. And I have a fee that is due as of XX/XX/2021. 
I have verified my address and have had no mailed delivery issues since the opening of the account. 
I receive daily mail notifications from the USPS via email, which identifies the day 's mail that will be arriving - every day. And so far there has not been one piece of scanned mail through the postal system from Avant! 
This is unacceptable. 

Customer service has yet again told me that since I have not received the card or activated it that I would not be responsible for the annual fee. We know that is a lie because the due date has not changed or the fee has not been zeroed out! 
I am requesting that the placement card be issued next day delivery via XXXX or XXXX. 
I am also going to file with the IL AG office and the CFPB. 
I expect to receive a phone call from the Avant Corporate office, with a plan for resolution, as soon as this complaint is received! 

-- Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked multiple times to have items investigated, and removed. They keep saying " it's not valid '' provide proof, etc. I have given them, ID, SS Card, Police Report, FTC Report, address verification. AND STILL they refuse to look into my claim of fraud. I am a retired armed services member and I live on a fixed income. This is like being victimized over and over gain by the bureaus as well as the fraudsters.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block , Inc. ) due to their inadequate customer service and support as well as unfair practices that violates the CFPA ( Consumer Financial Protection Act ). Cash App has failed to have timely and effective measures to prevent or address fraud on their platform which leaves my account vulnerable and unprotected. Secondly, the dispute resolution process is unfair and deceptive due to not adhering with the error resolution requirements under the EFTA ( Electronic Fund Transfer Act ) as well as Regulation E. These actions have caused significant issues and monetary loss on my part and I am looking for appropriate actions for these problems.
Product: Money transfer, virtual currency, or money service

My account was randomly suspended from withdraws or trading without any type of warning or explanation as to why it happened other than a message that popped up when trying to trade or withdraw that said trading or withdrawing had been suspended. I deposited {$100.00} in to my account on XX/XX/XXXX and a few days later, it magically disappeared. On my account activity page on the platform, it shows no history to what happened to that deposited amount. Additionally, I had sold some dogecoin on XX/XX/XXXX for {$430.00} and a day later, that amount disappeared too from my account with no explanation. I have submitted a helpdesk ticket via their website and I have had no replies other than automated generated emails saying my ticket was received. They have no support phone number at all. You can not even follow up on your ticket as it is noted in the email that any response to the ticket from you with further send the ticket back in the waiting queue. I have missed out on trade opportunities that would have resulted in exponential profit due to my account and funds restricted from doing anything. I have also submitted a complaint via XXXX on XX/XX/XXXX with no reply so far as of writing this. I have also come across hundreds of XXXX postings with users of this platform experiencing the same issues with no reply from the helpdesk with some reporting that they have no response for months! I have no way to move MY money out of the platform due to it being restricted.
Product: Debt collection

I have reached out to Medicredit several times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) requesting the company to validate and verify the debit they are trying to collect is 1. Rightful mine 2. The correct amount. I was never given an original signed contract or any documentation of originality that would prove the debit is mine. Medicredit is falsely stating this debit is accurate and send me a bill for double the amount they are reporting to the three major credit bureaus ( XXXX XXXX and XXXX ) the past due balance reporting is {$1600.00}. Every time I request validation they send me a bill for {$2500.00}. Ive also disputed with the bureaus and its quite interesting that they have come back to say it accurate when clearly its not. I need proof this is my debit. I highly believe they have me mistaken with someone else. The numbers dont add up and Im still waiting for something with my signature and the amount owed. Please see attached documents ( credit report & bill from Medicredit ). Also every time I reach out to the company in writing I request that they send all correspondence to my current address and they fail to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from 3 Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that 3 Credit Bureaus must investigate and delete these fraudulent items. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$380.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.
Product: Debt collection

I received a letter from Credit Collection Services dated XX/XX/2021 stating that I owed {$25.00} to XXXX. Since it was {$25.00}, and I didnt feel like worrying about it, I went to their online portal to pay. However, the amount in the portal was {$240.00}. 

I sent a validation letter request on XX/XX/2021 asking them to validate the full amount of the debt, asking for proof. I received another letter from CCS dated XX/XX/2021 stating that they were including a copy of the documents I requested. However, they only provided a copy of an XXXX bill for {$25.00} ( the original amount ). 

I called them later that week and explained to them that they only sent proof for {$25.00} - that I was again requesting them to validate the rest of the {$240.00}. The lady who helped me said that they were going to send the validation for the rest of the amount. So we waited. 

I then get another letter from them dated XX/XX/2021 stating that they were enclosing the documents I requested for the amount of {$240.00}. However, yet again, they sent only a copy of the bill from XXXX for {$25.00} and nothing else to validate the rest of the {$240.00}. 

I called them yet again to ask about this, and the man who picked up would ignore my request to send a validation of a debt and kept insisting that I owed the {$240.00}. He was very short and impatient with me when I tried to explain the situation and didnt want to address my request for proof of the rest of the amount they were trying to collect. 

Please help, Ive typed up another validation/verification letter, but I know they are legally obligated to provide validation of the whole debt the first time I request them to.
Product: Credit reporting or other personal consumer reports

I lost my ID and all my personal stuff a while back and I guess people have been opening stuff up in my name, i want this stuff taken off please. Its not cool that its messing with my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

West lake financial services..they sent a, letter saying they want to, settle the, account ..i settled the account and, they reportex false info on my credit reports
Product: Mortgage

I am a XXXX XXXX XXXX veteran. In Arkansas you do not have to pay real estate/property taxes. I have requested for them to do an escrow analysis on my account so that i will not have to continue to pay taxes. I have sent them emails from the DAV director at XXXX county AR stating that i am exempt from taxes. They did an escrow analysis in 2021 which was prorated ( due to me buying the house in the middle of the " tax year '' ) and on that bill it clearly states i am a DAV ( XXXX veteran ). XXXX County has informed me that i am issued a credit which is why there is no bill.
Product: Credit reporting or other personal consumer reports

I am filing this FTC AFFIDAVIT to report several fraudulent inaccurate and incomplete information accounts on my consumer FICO credit report. I have asked experian and XXXX for validation and whomever they spoken with to validate these accounts. These accounts are still inaccurate incomplete and i request these accounts be removed from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have been fraudulent edit remove these accounts immediately.
Product: Mortgage

Shellpoint likes to invoke the term that we received similar correspondence as buzz words and Shellpoint knows that CFBP will close the case if they say anything convoluted. XXXX Shellpoint HAS NOT addressed why my XXXX states {$65000.00} at the end of XXXX but the Mortgage Statement at the end of 2XXXX states I owe the outstanding principal is XXXX. My XXXX and Mortgage statement have to be the same at the end of XXXX 

I paid {$10000.00} in interest in XXXX. Shellpoint point maybe able to defer it on their taxes but Shellpoint can not charge it to me and not provide it on the XXXX. Income tax evasion and a scheme to defraud me.