23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX XXXX XXXX XXXX, I went on a camping trip at XXXX XXXX XXXX XXXX where I did not access to the Internet. When I returned home on XX/XX/XXXX, I discovered through invoices and pickup information in my email ( Attachment XXXX ) that some who likely stole my credit card information had used my XXXX XXXX Chase credit card without my knowledge or authorization to purchase a XXXX XXXX, a XXXX XXXX subscription, and a privacy screen filter at an XXXX store in XXXX XXXX. On Monday, XX/XX/XXXX, I called Chase to report the unauthorized charges and the Chase representative informed me that they would conduct a review. 

On XX/XX/XXXX, I received a letter from Chase ( Attachment XXXX ) informing me that they completed their review and had concluded that I was not responsible for the purchase of the privacy screen, but for some reason was responsible for the purchase of the XXXX XXXX and the XXXX XXXX. I called Chase again to dispute the results of the review, explaining that I was out of town when the purchases were made, that I use only XXXX XXXX devices, and that I did not understand how they could conclude that I was responsible for the XXXX and software when they already determined I did not purchase the privacy screen. 

The Chase representative said that they reached their conclusion because they called XXXX, received my order information, and saw that the " Sold To '' address for the XXXX and software was my correct address. I explained that this is not surprising given that someone clearly had hacked my information given that they had my credit card information, and that the " Sold To '' address for the privacy screen was also the same. I asked for more information about what investigation Chase had performed and I was told that Chase did not ask XXXX for proof that it was me who picked up the purchases, did not ask XXXX for surveillance footage, and did not otherwise conduct any investigation other than the cursory call to XXXX to confirm my address. I also explained that there are charges on my other Chase credit card showing that I was not in XXXX XXXX the weekend of the XXXX purchases, including a charge for lunch that I purchased in XXXX, CA on XX/XX/XXXX while driving to XXXX XXXX XXXX XXXX. Notably, that credit card also had unauthorized charges from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX that Chase determined were not made by me ( Attachment XXXX ), so Chase is well aware that someone gained access to my credit card information. The Chase representative told me that they would conduct further investigation and inform me of the results within XXXX business days. 

They tried calling me once during work hours a week ago when I could not pick up, and have not called me again or otherwise informed me of the results of their supplemental investigation. I am filing this complaint because it appears to me that Chase is not taking the investigation seriously, and because I am concerned that additional evidence showing that it was not me who made the purchases ( such as XXXX surveillance footage ) will be lost to the passage of time while Chase persists in not performing any meaningful investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reached out to XXXX, XXXX, and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.
Product: Debt collection

Received a collection letter from you for a collection effort from XXXX XXXX XXXX XXXX XXXX. We had been members in good standing for many years with XXXX XXXX. Please check with XXXX XXXX, or Anytime XXXX XXXX XXXX WI at XXXX to see how long we had been members of Anytime. A job transfer took us to XXXX, TN in XXXX of 2021, At that time we starting visiting the XXXX XXXX location. The then owner XXXX attempted to transfer our memberships from Wisconsin to her location in Tennessee. She was able to transfer mine with no problems, but deleted XXXX 's account somehow. We went around and around with XXXX, and XXXX XXXX. They were able to locate her account and did acknowledge she was a member in good standing, but they could not reinstate her for some reason. After numerous conversations with XXXX, the only solution was for XXXX to have to sign back up with her. This error had nothing to do with us, and having to re-up was a huge inconvenience for us. As my membership was moved over without any issues. We had been members with Anytime for years and had no issue with this. At no time were we told that we would be locked in to a membership. I was transferred again for my job. Had there been an XXXX XXXX in XXXX, XXXX  there would be no issue. As you can see by the attached documents I had tried numerous times to contact the gym XXXX, and the owners. There was never any response. Whenever we visited the gym regardless of time there was never anyone there to discuss leaving the gym with. It was only after we moved that I was able to get in touch with someone at the XXXX XXXX location. I explained the situation to XXXX, the new XXXX, sent him the attached and thought we were all good. Apparently XXXX, was no longer the owner, and there were numerous issues he was dealing with from the prior owners.
Product: Debt collection

There are several inaccuracies and inconsistencies with this report from the national credit adjusters. In the credit report on all three bureaus, it does not state who the original creditor is. They are also several inconsistencies and inaccuracies with the open/closed account dates. The open/closed account date are all different, inaccurate, and inconsistent. I also have reason to believe this occurred due to fraudulent activity and identity theft with my information.
Product: Mortgage

I have recently refinanced my mortgage held with NewRez LLC with another financial institution, XXXX. Due to issues with closing in a timely manner, title company fault, I made an additional payment to the original mortgage holder to make sure I was not delinquent, avoid late fees and negative credit reporting. The payment was made to NewRez LLC following payoff provided to transfer balance to new mortgage holder, XXXX. 
Sufficient time passed following refinance, 4 weeks, before I contacted NewRez LLC to inquire on refund of the additional payment minus any interest that may be owed due to timing & my escrow refund. In my conversation with a representative of NewRez, I was advised I would only be receiving the escrow refund. According to their records, my payment was not reflected having been received for XXXX, certainly not following the payoff quote provided to the new mortgage holder. I made my last payment to NewRez through electronic billpay, deducted from my account XXXX ( Friday XXXX for {$1700.00}, payment to be received by payee XX/XX/11.
Product: Credit reporting or other personal consumer reports

XXXX is reporting an account incorrectly the account listed as XXXX XXXX XXXX / XXXX XXXX has several late payments that do not match up with the other XXXX credit reporting agencies. XXXX is reporting late payments from XXXX 2018 but Equifax is reporting late payments from XXXX 2018. Neither credit bureau can verify rather this information is correct. XXXX also refuses to provide the source from their investigation. The law is clear that they are required to disclose this information. Instead their response is only verified as accurate with no other information. Tell me exactly how you are verifying this information and with who because this is a violation of my right to privacy and I will have to sue to protect my consumer rights. 
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigatin
g and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX  XXXX XXXX XXXX .... Balance : {$5800.00} ; XXXX XXXXXXXX XXXX XXXX .... Balance : {$6200.00} ; XXXX XXXXXXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

I was issued a refund by a merchant through cash app. It was a lot of small payments that were accidentally sent. The merchant understood what happened and refunded me all the accidental transactions. On my side of cash app, looking at my history and activity, everything looks like the transactions were refunded correctly. But when cash app sent the transactions through to my bank, instead of refunding me, they sent the refunds through as payments. So instead of getting the money back, it was withdrawn a second time from my account. I contacted my bank and they said there was nothing they could do because cash app sent the transaction through incorrectly. Cash app would have to correct the mistake on their end. So I called cash app. I got through to customer service and was told they couldn't help me then hung up on me. I called again and same result. I called again same result. I finally got a manager to contact me and she said she couldn't help me and told me she was closing my case. I am being ignored and the total missing from my account as of XX/XX/XXXX is {$2500.00}. Cash app has mistakenly withdrawn money instead of refunded it and is refusing to even address the problem. I'm at a loss. That is theft. They will not put the money back they took out and this is causing bigger problems for me daily. If cash app is not going to be held accountable for mistakes they make or be made to pay back money they drew out of someone's account mistakenly, the public needs to know that. I'm not saying I'm missing {$10.00}. They took {$2500.00} from me and are refusing to even communicate with me about it. I am now 20 days in and still nothing from cash app. This started XX/XX/XXXX. As Of today XX/XX/XXXX, I have not been refunded. And they closed my case. I have the documentation from the merchant and of course my bank statement showing the cash app blunder.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Make a long story short I and 3 other family members signed a rental contract with XXXX XXXX 4 Rent.They filed evictions against us wrongfully with lies such as non payment of rent we forwarded copies of rent receipt ; copy of money order for the month that month which they refused to take we paid our rent every month in full.they also lied to courts said that utilities was included with rent.Our utilities was being paid monthly directly to XXXX XXXX XXXX if we did not pay XXXX we would lose our utility services we received billing from XXXX every month.proof of that to XXXX totally refused that month rent ; file evictions with lies.City code officer inspected the house at time of our occupancy and found bad mold which we should not have ever been continuing to live with anyway we told XXXX they refused to correct. we reported all info with answer to eviction summon also copy of money order and copy of email from XXXX that money order was refused and keys was demanded.so actually XXXX really just gave us back the rent money really.Final Judgement only ruled us to give them they property and we did they kept our {$14000.00} deposit unjustly. The Judge did not order any money owe to XXXX and closed the judgement final. XXXX now has XXXX XXXX reporting neg on my credit report.still they was deleted from all other parties credit report I do not owe XXXX or XXXX XXXX either I should have fair treatment as well we all went through the same thing.Neither one of us owe them and should not be on either of our credit report. we have no money owed with a judgement against us for XXXX even the clerk of court will tell you that they tell us
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 78 points on XXXX due to a XXXX XXXX account ( from XXXX ) becoming 90 days delinquent. XXXX XXXX has never been late and there were never no reporting of it being 30/60 days late, it jump straight to 90. After reaching out to XXXX XXXX come to find out there student loans were sold to XXXX, whom could n't locate my account in their system either. 
I reached out to US Dept of Education and there were only one XXXX XXXX account showing paid in the amount of {$1300.00} in XXXX. 
After reviewing the verbiage on all 3 credit account, I notice XXXX XXXX appeared on my XXXX report. I reached out to ACS who is no longer is ACS but is now Conduent Education.

They inform me my accounts were 90 days late. I asked why I have n't received anything in the mail or at least a phone call. Why it never reported 30 days late and went straight to 90 days, I could 've addressed it sooner. Why my students loans been sold so many time and I was n't made aware of who to contact to make payments.
Product: Debt collection

CREDIT COLLECTION SERVIC Reported : XXXX. XXXX, 2022 - {$0.00} This collection agency stated and harassed me to pay the debt from XXXX XXXX and they would do pay to delete. This is still reflecting on credit & paid.
Product: Credit card or prepaid card

XXXX XXXX COMENITY  BANK IMMPOSIBLE TO MAKE A PAYMENT ONLINE, BY PHONE ONCE AGAIN MY DAY STARTS OUT BEYOND FRUSTRATED AND WASTE OF TIME. IT WILL NOT LET YOU LOG IN. IT TELLS YOUTO DO FAST PAY, THAT DOESNT WORK EITHER. 
YOU CALL AND IT SAYS DO TO UNUSUALLY HIGH CALL VOLUME ( GEE I WONDER WHY ) TO PLEASE TRY AGAIN LATER OR GO ONLINE. 
MY CREDIT IS GETTING DESTROYED. 
IT IS AND HAS BEEN HAPPENING WITH EVERY COMENITY CARD IVE HAD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PLEASE DO SOMETHING. ITS ABSOLUTELY INEXCUSABLE
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ;
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING SUPPORTING DOCUMENTS FOR 605C XXXX XXXX. PLEASE SEE ATTACHED DOCUMENTS THAT HAVE BEEN UPLOADED.
Product: Credit reporting or other personal consumer reports

XXXX5 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern over the failure of XXXX, XXXX, and TransUnion, the three main credit bureaus, to validate and research the debts listed on my credit reports in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, including sending validation letters and making phone calls, these credit bureaus have not provided the required verification within the prescribed timeframe. This disregard for legal mandates has left me questioning the accuracy of the information on my credit profile and eroded my trust in their compliance with consumer protection laws. I urge for a comprehensive investigation into this matter to ensure the credit bureaus ' adherence to these vital regulations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX is charging me for a credit card that I have never had ... someone had fraudulent open a account in my name without my authorization ... this account needs to be removed off my credit report due to fraud.. I have filed a police report ...
Product: Mortgage

Today I received a collection call from Carrington Mortgage. I have until the XXXX each month to post payment. Snail mail is slow, they charge a ridiculous fee for bank to bank transactions so I mail my payment. Today XX/XX/21 their collection goons called and I have 8 days left in the grace period. This is the worst mortgage company I've ever had to deal with.
Product: Debt collection

IC System Correspondence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Account on XXXX & XXXX credit reports in dispute Creditor Contact Details : IC Systems Balance Reported : {$1500.00} Most recent file identification number from XXXX XXXX XXXX Account Number from XXXX XXXX Since XX/XX/19 I have written proof of IC Systems refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they stated they had proof I owed anything to IC Systems. I also requested IC Systems contract as I know this company purchased that debt that's already been written off and was attempted collect it from me illegitimately. I have not now, nor have I ever done business with IC Systems thus no contract has ever been provided. For them to mark this inaccuracy and lie about investigating it and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX XXXX and their roles in allowing you to furnish this information without my written consent against my continued efforts to remove them from my account. I demand that IC Systems not only remove this from my report but I also demand that IC Systems pay me what is owed to me according to the law. I have actual damages, there are {$1000.00} violations attached to each time it was reported. Each month is a separate violation, and I am giving this company one opportunity to cure this situation, or we shall allow a federal judge to look at all these deceptive forms & calls that have been presented to me over the past years in support of your wrongdoing. It all stems from the false misrepresentation of IC Systems on my consumer report. I am due justice and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for {$20000.00} and you will not have to pay attorney fees or we can add my consumer lawyer to this situation and under the FCRA you will pay him as a result. Your choice. I have dealt with this harassment for long enough. For far too long my character has been defamed by comments left by IC Systems on my report against my efforts to resolve the situation outside of FEDERAL court. I expect a settlement offer within 10 days of this notice or further legal action will be initiated. I have enclosed two pieces of evidence that prove just how long I have been fighting and the type of response and willful non-compliance I was getting from IC Systems in response to my disputes with each XXXX XXXX XXXX, credit reporting agencies. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmed that my SS # /credit information was compromised during their hack. They gave me credit freeze ( confirmation # XXXX ), credit monitoring, and ID theft insurance for one year. However, since the hack is Equifaxs fault, they need to make the credit freeze, credit monitoring, and identity theft insurance should be indefinite, not just a year. Also, Equifax needs to pay for a credit freeze on my accounts at the other two credit bureaus. 

I contacted Equifax about the need for them to pay for the freeze at the other 2 credit bureaus on XX/XX/XXXX, but they ignored me. 

Equifaxs site wont authenticate me, because it says I answered credit questions wrong. It said I may have taken out an auto loan in XXXX and asked the name of the loan company ( see attached ). I chose none of the above, since Ive never taken out an auto loan in my life. It asked for the monthly payment. I chose none of the above since there is no loan. I did the same with the next similar question. Nothing on my credit reports says anything about auto loans or any loan other than my student loans with XXXX. I answered all of the questions correctly, but it wouldnt let me into my account. When I looked at my credit report, of course there was no information about an automobile loan.