23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I took a taxi ride of approximately 25 minutes in downtown XXXX XXXX. At the end, the driver swiped my Chase credit card several times, but he said the charge did not go through. I paid him {$40.00} US in cash, and retrieved my card from him. On XX/XX/XXXX I received several text messages from Chase, showing an attempt to charge my card, apparently regarding the taxi ride. I confirmed to Chase, by text and by a phone call to Chase, that this was an invalid, unauthorized transaction. ( See enclosed letter from me to Chase, dated XXXX, attaching screenshot of Chase text ). The Chase agent assured me that my card would not be changed, and that I did not need to do anything further. 

Despite Chases assurances, my card was charged {$250.00} on my XX/XX/XXXX statement. I submitted a written dispute on or about XX/XX/XXXX, and again on XX/XX/XXXX. ( See the written complaint documents, attached here ). Chase denied my dispute, by letter dated XX/XX/XXXX. ( Attached ). Because I had experienced difficulty faxing my dispute documents to Chase, I called Chase to make sure they had received my explanation of the fraudulent charge. Handwritten notes of my XX/XX/XXXX phone conversation are attached here, in which Chase explained that they had received my documentation, but were denying the claim because I had not produced to them a receipt for cash payment for the taxi ride. I commented that 1 ). it is not common practice for a taxi passenger to get a receipt, and its unfair to expect that I would get one ; 2 ) the credit card charge ( {$250.00} ) bore no relation to the cost of the taxi ride I paid for in cash ( {$40.00}, which was probably an overcharge in itself ), and 3 ) Chase had already assured me the day after the ride that this suspected swiping of my card would not result in a charge to me. 

I sent a written re-dispute to Chase. ( See undated letter, post XXXX, and letter to Chase dated XXXX ). I reminded Chase of their written and telephonic assurances the day after the event, that my card would not be charged. Despite this, Chase wrote on XX/XX/XXXX and XXXX, XXXX, that the transactions are valid and the {$250.00} will remain on my account balance. The charge is not valid, and should be credited on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting me livelihood. 

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

In accordance with the Fair Credit Reporting Act the list of accounts has violated my Federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the rights to privacy. 
15 USC 1681 Section 604 A Section 2 it all states a consumer reporting can not Furnish accounts without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an Open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account listed on my credit report. The account in question is XXXX from XXXX  XXXX, and it is currently reported as negatively impacting my credit. 

I am listed as an Authorized User on this account, and I have no ownership or control over it. Given that this account is adversely affecting my credit score, I kindly request that it be removed from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Since this account does not belong to me and is damaging my credit, I am requesting its immediate removal.
Product: Credit reporting or other personal consumer reports

My student loans were transferred from to XXXX to XXXX in XXXX. XXXX and XXXX are both reporting the same student loans.The balance with XXXX should display {$0.00} because the loans were transferred to XXXX, but my credit report is still displaying balances from XXXX and XXXX. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with XXXX should display {$0.00}. My student loans are currently with XXXX. The double reporting resulted in a XXXX decrease on my credit score.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX trying to collect money from me for something I do not owe. I did not sign a contract with XXXX XXXX XXXX. XXXX collection Agency did not provide me with the original contract as I requested. 
Account Number- XXXX Balance- {$720.00} Date opened- XXXX XXXX
Product: Credit reporting or other personal consumer reports

This was my follow up for the few erroneous items remained on my personal credit reports. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested you before to initiate an investigation into the below items on my credit reports to determine who authorized these items. And I know your investigation is complete, and you find my allegation to be true, please remove these remaining inquiries and inaccurate information and send me an updated copy of my credit report at the address provided : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please remove these inquiries from my credit file as soon as possible. Thank you for your assistance in this matter.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumertrust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there were XXXX  inquiries that are not mine on there.
Product: Debt collection

In 2016 I was an inpatient at XXXX XXXX in XXXX XXXX, TX. I had XXXX that turned into XXXX XXXX. I am now permanently XXXX from it on Social Security. I provided my Medicaid health insurance to them at the time of service. The facility billed Medicaid and was paid the allowable amount. However, the physicians billing never billed my insurance nor asked for insurance info from the hospital. They failed to bill insurance and I never received a bill if they mailed one because I was no longer able to live alone with my health so I moved in with my mom after. This has been a nightmare. I disputed and its been removed until they sell to another collection agency. I did my part by providing insurance. I should not be responsible for this. I worked hard to build a positive credit profile and I just took a big hit to credit due to derogatory account listings today. This isnt right. This is a billing error. I worked in medical billing for many years. The bottom line is they dropped the ball but I am being punished for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX The following accounts : XXXX XXXX XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX, Date opened XX/XX/XXXX XXXX XXXXl XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX, Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, Opened XX/XX/XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contacted Radius Global Solutions LLC directly via certified mail on XXXX ( See mail receipt attached ) This company has failed to comply with FTC regulations and refuse to fix the issue, violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to Transunion & XXXX  XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default
Product: Payday loan, title loan, personal loan, or advance loan

Created this account to credit build, decided to cancel and close out the account. Later reported that I owed {$60.00} for the ( XXXX XXXX monthly payments ), however, the monthly payments were not notifying me that I was owing still, I cancelled the account.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair Credit Reporting act These accounts and Inquires

have violated my rights!XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. When I checked my credit report like I usually do, I saw unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but it wasnt. The unauthorized inquiries remained. Because of this, I urge you to thoroughly review the documents Ive submitted so I can stop worrying about this issue once and for all.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX XXXX/XXXX/XXXX TransUnion Consumer Relations XXXX, PA XXXX RE : Reappearing Removed Item XXXX XXXX XXXX Late Payment XXXX File # XXXX SSN # XXXX Consumer Financial Protection Bureau Case Number XXXX XXXX XXXX Account # XXXX Past Due 30 days XXXX XXXX has been removed since XXXX and XXXX XXXX again reappearing as a adverse account. After I submitted complain though Consumer Financial Protection Bureau on XXXX XXXX ( Case # XXXX ) and Your response was, Response We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, we initiated an investigation with XXXX XXXX # XXXXand they removed the late payment reporting XXXX. However, we received another request on XXXX/XXXX/XXXX to investigate XXXX XXXX # XXXX. In response, they re-added the late payment for XXXX. After reviewing the activity on your file, along with the information in our data base, we have removed the late payment reporting XXXX and taken precautionary measure to prevent the late payment from reporting in the future. You may wish to contact XXXX XXXX directly to ensure the account is reporting accurately in their database. 

( CFPB CASE # XXXX Respond attached ) On XXXX XXXX again reappearing Past Due XXXX XXXX same account and I called your customer service dispute department and asked them to corrected. ( Credit Report attached XXXX/XXXX/XXXX ) I attached XXXX/XXXX/XXXX Credit report show as a prove no any adverse account that time. 
Today ( XXXX/XXXX/XXXX ) when I checked the credit report again reappearing above past due. ( XXXX/XXXX/XXXX credit report attached ) Please removed past due XXXX XXXX XXXX account # XXXX as soon as possible. 

Thank you ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX XXXX XXXX
Product: Student loan

My loan amount has increased significantly and it shows several loans on my credit like I have taken out XXXX to XXXX loans when I truly have n't. And they also have not tried to work with me as far as some type of income based repayment plan but keep putting me in forbearance and charging me ridiculous interest rates.
Product: Debt collection

on today 's date on XXXX/XXXX/XXXX I contacted ARS a collection agency in the state of florida located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ph # ( XXXX ) XXXX to verify some information that is reported on my credit report. ARS advised me that I have XXXX accounts placed with them by XXXX XXXX XXXX I requested all dates and amounts they claim was reported and I was given XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$320.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$420.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$240.00}, & XXXX/XXXX/XXXX {$450.00} after questioning ARS as to why they have double accounts on my credit for XXXX/XXXX/XXXX for the same amount as well as other accounts that are just days apart and they did n't seem to have an answer I contacted the original creditor which again is XXXX XXXX XXXX. and I was told they only reported XXXX accounts to ARS and gave them the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX I was then told ARS should not have any other accounts against me which means ARS has FALSELY reported accounts against me to the credit bureaus which has damaged my credit and there is a total of {$2200.00} in fake accounts now on my credit! I researched ARS and they have done this to other consumers as well they have reports against them online and need to be stopped! I want them held accountable for this, I want the accounts they falsely reported removed and I am also seeking money damages for hurting my credit.
Product: Checking or savings account

I opened a checking account with Truist with {$60.00} cash, the following morning I go to make a deposit and my account is closed. I called and asked what the reason for my account being closed the very next day could be, their response was random suspicion. the checking account was opened on XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been treated poorly these so called companies sell my name and information to anyone.ALSO sales my info to highest bidder I know that EVERY CREDIT COMPANY SHOULD BE INVESTIGATED
Product: Checking or savings account

A merchant charged my account for hundreds of dollars, unauthorized and unprompted. I contacted the merchant and they had no explanation, they just sent me a blank invoice. It had no description of the charge, no reason for the charge, just the amount and that they had already taken it from my account. I contacted chase about the charge online and by phone, and submitted all necessary invoices, emails, any communication I had with the merchant. It was closed due to missing documents. I asked what else I could possibly provide and they ignored me and said a letter would be mailed to me with the result. The letter said only that my dispute was denied. I filed a complaint with CFPB about my experience, and they reopened my case, just to close it less than XXXXne full day later, again, due to missing documents. Again, I asked what document they need and I have yet to receive a response. Looks like Im stuck paying hundreds of dollars for a purchase I did not make, authorize, or receive any product for. Never got any answer from the merchant, from my bank, anyone. Im stuck paying this random fraudulent charge, thats how Chase treats a long time customer!
Product: Mortgage

I have Mr. Cooper home loan which was transferred from XXXX. Now the loan is fully paid off. It's been worst experience dealing with Mr. Cooper where i got absolutely no help for anything. 
I have no statements from prior loan servicers ( XXXX ) -requested Mr. Cooper - they never shared with me. 
There is a {$45.00} - unapplied funds- i was told that within 30 days - I will be getting a check for that. nothing came. 
It seems that county recording fees is being paid on 3rd XX/XX/XXXX. But no further communication from Mr. Cooper. 
For more than 2 years - my online amortization schedule is not made available to me. 
I have no idea how much mortgage interest i paid for this property for these 6 years i.e. from XXXX to XXXX. Asked at least 10 times to Mr. Cooper- but no response. 
I have no idea how much mortgage interest i saved by prepaying the loan in the first 6 years. Asked at least 10 times to Mr. Cooper- but no response. 

Every time I open a CFPB complaint, Mr. Cooper takes it's sweet time of 30 days but then a good for nothing response.
Product: Student loan

XXXX - XXXX XXXX. 
XXXX charged {$11000.00} for XXXX classes when I enrolled in the XXXX program Within a month, the recruiter was no longer with XXXX and I continue trying to earn good grades. I dropped out when they tried to hitch me to another {$10000.00} loan. I never seen XXXX dime. I was told, they split that loan into XXXX private lenders. Since then, a XXXX loan has turned into XXXX and I 've been SCAMMED over and over with callers from Nevada and California claiming I could settle this XXXX payments of {$330.00}. In XXXX XXXX I sent Alumni Aid Assistance {$330.00} and documents and emails I sent to XXXX regarding their unfair practice. XXXX what happened after I sent them the money, their phones are no longer in service. XXXX - http : //XXXX/. I thought this was a good company. A man named XXXX XXXX gave me his cell phone number and even that has been disconnected. 

What 's more 3 years ago, another company said they could not take cash or check so I went and got a XXXX XXXX and sent them almost {$3000.00} dollars but my loan balance with Navient is getting higher and not lower. All I wanted to do is get a XXXX with XXXX and pay off this debt. Now, I want to file a law suit with XXXX and Navient. A loan this old does not sound like XXXX to me. I need your help CFPB.
Product: Debt collection

I received a letter in the mail dated XX/XX/XXXX that shows a debt collection and then noticed a remark and changes to my credit report via XXXX XXXX on XX/XX/XXXX. The debt collection is from Southwest Recovery Services. I called the company on XX/XX/XXXX at XXXX. A man answered who was very rude and informed me that this is a debt collector for XXXX XXXX and informed me that there is a lot of damage to a property that " I '' rented in Minnesota. The man sent me an email with all of the tenant information and pictures of the property damage. The person used my name XXXX XXXX ( maiden last name ), along with my date of birth and social security number. I then called XXXX XXXX at XXXX and spoke to XXXX XXXX ( director of sales management ). She informed me that this person rented this property from XX/XX/XXXX until XX/XX/XXXX and left willingly without being evicted. The debt is for {$8500.00}. Southwest Recovery Services Account # : XXXX, Client # : XXXX. 
This now is on my credit report and has brought my overall credit down drastically. 
I did not rent this property as I live in New Jersey and own a home here with my family. 
I went to the XXXX XXXX Police Department ( in New Jersey ) on XX/XX/XXXX and filed a police report with all of this information provided. This person is also driving with a Minnesota drivers license with my name on it. 
I was informed today ( XX/XX/XXXX ) by the same gentleman at Southwest Recovery Services that I would need to go to ftc.gov and obtain an ID Theft Affidavit and sent that to the credit bureau in order for this to be removed from my credit report.