23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Chase Bank Card Services Team, I am writing to redispute the {$770.00} charge labeled as " XXXX XXXX '' for XXXX XXXX on my Chase Freedom Flex card that is currently FROZEN. I KNOW this charge to be fraudulent, and I am providing additional information to substantiate my claim. 

To investigate this matter thoroughly, I contacted XXXX New York personally today at the time of submitting this cfpb report and received verbal confirmation XXXX separate times, in front of a notary public, that there is no such charge on my XXXX  account or billing statement for XXXX. Furthermore, I have reviewed the detailed billing records and a screenshot of all plates associated with my account, which I have included for your reference. 

Chase previously informed me that XXXX claimed a plate ending in " XXXX '' was linked to the account. However, I confirmed directly with XXXX New York, both via their agent and by reviewing their website, that no such plate has ever been associated with my account. Additionally, I have never parked at XXXX XXXX 's Parking C for XXXX consecutive days, as alleged. 

I am requesting that Chase thoroughly reevaluate this case with the updated evidence and recredit the {$770.00} to my account. Please find attached the following supporting documents : Page XXXX of my XXXX billing statement. 
A screenshot showing all plates associated with my XXXX account. 
This charge was processed in error and should not be attributed to my account. I trust Chase to fairly review this new evidence and make the appropriate correction.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account that has appeared on my credit report without my authorization. The details of the fraudulent account are as follows : Creditor/Company Name : XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Issue : Identity Theft I have never opened or conducted any business with this company. 
I recently reviewed my credit report and discovered this unauthorized account. I believe this is a case of identity theft, as I have no knowledge of or affiliation with XXXX XXXX. This account has negatively impacted my credit score and financial standing. 

Requested Resolution : I request the immediate removal of this fraudulent account from my credit report. 
I request that XXXX XXXX provide any documentation or evidence they claim supports my alleged obligation to this account. 
I request that the CFPB investigate this matter to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and any applicable consumer protection laws. 
I request that the credit bureaus be notified to permanently block this fraudulent account from reappearing on my credit reports.
Product: Credit reporting

I have sent several letters to TransUnion to investigate the validity of a collection agency. I have also sent the letters to the collection agency. I received a response back stating that the debt has been verified. I asked for verification not validation. The collection company sent me copies of the bill from the doctors office. The patient information is incorrect on the bill.
Product: Checking or savings account

I have had a Fifth Third checking account since I took out my mortgage over 10 years ago. This account was used to make mortgage payments automatically. 

I had not received a checking account statement until last month, which I requested. As it turns out there was a timing issue with my company 's direct deposit and the date in which I transferred funds to my other checking account. I literally deposited a check from this account into my other account the day before by midnight. Thinking the funds would settle with the direct deposit. The account was never short of funds, literally minutes apart from the transactions. I come to find out that Fifth Third was assessing me numerous overdraft fees of {$37.00} per occurrence. Not once was I contacted by the company to explain the deposit/withdrawal dates. I contacted the bank when I was aware of the issue. They were only able to overturn three overdraft fees. I tried to explain my case with them but was unsuccessful. As a consumer, I feel taken advantage of, mislead, and lied to. 

Fifth Third sent me a detailed letter of the transactions in question for 2024. The day they assessed me the overdraft fees of {$37.00} my direct deposit posted same day reflecting a positive balance. Enclosed is the letter they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are soft and hard inquires pull from accounts I never open. The only account that was open in my name was XXXX XXXX  which was XXXX XXXX. The dates of the the open accounts that not me was XXXX XXXX, XXXX, XX/XX/XXXX, XXXX  XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The people who is performing fraud on my account has made my credit score low and I want to take action now. I want to report all these companies as fraud because it is not me. Below I attach the names of the company with dates and descriptions.
Product: Checking or savings account

My name is XXXX XXXX XXXX and I have been a CitiBank acct holder since XXXX. In addition to a checking account, I also maintain a savings account, credit card, and personal line of credit with CitiBank. Since opening my accounts with Citibank, I have always maintained my deposit and credit accounts in an outstanding manner. 

On XXXX, I logged into the Citi mobile app to make a payment to my personal line of credit and that was when i realized there was over {$500.00} worth of ATM withdrawals conducted on my account days before. I immediately called Citibank to report the unauthorized transactions. I hardly EVER use my debit card and primarily conduct all my banking via the consumer website and the mobile app. On XXXX Citibank took my dispute and began the claim. 

SINCE THEN, I have had no response from Citibank and I am still out $ 500+, it has now been MORE THAN 10 BUSINESS DAYS. By law I shouldve been given a provisional credit while this " investigation '' is still going on. 

On XXXX, I contacted Citibank and was transferred multiple times till finally I was handed off to an individual by the name of " XXXX '', who claimed to be an Account Client Supervisor. This person was extremely rude and kept interrupting me when I was trying to explain my frustrations to him. XXXX has NO knowledge or Reg E, does NOT work in the disputes/fraud dept., and REFUSED to answer the question of " When will this be resolved and when will I get my money? '' XXXX just kept repeating the same script and saying that it can take up to 45 calendar days and when I asked him about receiving a Provisional Credit, he refused to tell me when I would receive one. I asked to be transferred to dispute department or a manager and he refused and stated that " Special Investigations Unit '' does NOT talk to clients. ARE YOU KIDDING ME? They DONT???? What kind of investigations is Citibank doing if you're not even speaking to the victims of the fraud??? 

XXXX then put me on hold and stated that he would check on the status of the dispute in the back office. When I told him I cant be on hold any longer ( over 45 min ), he told me NO when I asked for a manager to call me back and THEN HUNG UP ON ME!!!
Product: Mortgage

I have a loan with STATE FARM BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and STATE FARM BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting

I have updated my info with Equifax and the score that they are reporting to me is almost a XXXX points different than when my credit union ran my credit for auto loan. I do n't understand why the information is so different from what I have on my report that I got in the mail. Equifax is giving me XXXX report but when someone else run it for credit I am being denied for having so many delinquent accounts that I have gotten paid off or updated. The denial letter I got said I had numerous public records when I do not. I want to report Equifax for not reporting accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent inquiries on my credit report. Attached is the identity report identifying those fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

Hello I saw your response on CFPB and you did not delete everything : Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. 

I do not care what the companies are reporting as verified. I signed an affidavit for both an identity theft report and police report and I am telling you I NEVER applied for or opened or closed the accounts with the companies I listed ( I listed again below ). Someone STOLE my identity and my personal information and applied for, opened, and closed these credit card accounts with the companies listed below. You MUST comply and delete them off of all of my credit reports and the companys histories permanently immediately including any hard inquiries, opened credit card accounts, or closed credit card accounts with XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX. Also I should see zero hard inquiries on my credit reports. 

I read your response and it is inaccurate. I still see XXXX XXXX / XXXX / XXXX credit cards ( one listed as other ending in XXXX one is listed as ending in XXXX one is listed as ending in XXXX and one is listed as ending in XXXX and one is listed as ending in XXXX ) on my account and I still see XXXX XXXX XXXX XXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see 2 wrong addresses ( XXXX XXXX XXXX XXXX XXXX ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! 

You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted : All of XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted : All of XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again!
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS CREDENCE RM XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from CREDENCE RM WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Debt collection

I have received notifications and bad marks on my credit report from at least XXXX different collection agencies related to an XXXX XXXX XXXX  Debt that was reported to XXXX XXXX XXXX and a report filed with the FTC that it was a result of identity fraud and someone else opening this account under my maiden name " XXXX ''. I gave XXXX XXXX XXXX the proper reporting and they acknowledged that it was Fraud, however, they continue to circulate this collection through various collection agencies STILL. This has been going on for over a year and half and about every XXXX months, I get yet another notification from yet another credit collection agency that I have a debt collection. I have NEVER even had an account with XXXX XXXX XXXX. The most recent debt collection agency just sent me another letter, titled " ERC ''. The reference # for this new collection is : XXXX I have sent thru a dispute to this company, but I would like XXXX XXXX XXXX to STOP circulating this debt that was already deemed fraudulent through collection agencies. 
The account # that is associated with this debt is : XXXX. The address associated with this account is XXXX in XXXX, which is a state I have NEVER lived in, nor known anyone who has.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As XXXX by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request CERTIFIED to Experian XX/XX/2021 to investigate the negative accounts on my credit report and they have yet to respond. I attached the notice that show they got my letter. So the proof is there. They received my letter and did not complete the investigation in the time given by the law. This is a violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband and I were talked into filing a Chapter XXXX Bankruptcy jointly, knowing we were divorcing. The debt belonged to my exhusband, I didnt even owe XXXX. 

I need this public Chapter XXXX removed from my account for several reasons. 
1. The bankruptcy reporting on all credit bureaus for the Bankruptcy is wrong 2. The courts said that the credit bureaus could remove it from my credit report, as did the bankruptcy lawyers.

3. I asked for the validation from the courts, and they didnt verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$8500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX checked their database of XXXX XXXX publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no  longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost XXXX XXXX records including email and XXXX addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were XXXX XXXX unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX XXXX Equifax and the IRS XXXX I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus and XXXX XXXX XXXX XXXX to make them aware of the Identity Theft and disputed. Nothing has changed and this is not right. I am disputing all of the following information due to be incomplete and innacurate : XXXX XXXX XXXX XXXX XXXX # XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Owner account no. XXXX amount {$8900.00}, date opened XX/XX/XXXX, remove " Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage and late payment remarks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, amount {$880.00} date open XX/XX/XXXX, remove Derogatory collection remarks XXXX XXXX account no. XXXX amount {$3000.00} date opened XX/XX/XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account, Charged off as bad debt Purchased by another lender. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act Convergent Account # listed above, 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 a account without my written instructions
Product: Credit reporting 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 Items 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 any Items 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I called ChexSystems Security Freeze Dept on XXXX/XXXX/15. The CSR told me that she could n't help me because I had lost my PIN. I asked to speak to a supervisor and she told me no one there and would n't be in until Monday. She then hung up on me and so I called back and the same CSR answered the phone. I asked for her name and would n't give it to me. She hung up again and so I called back. this time she picked up the phone and just muted the line. While still on the line, I called from a different phone in the house and the CSR picked up.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I bank wired {$XXXX} from an account at XXXX. 

XXXX received the money rapidly but refused to process the wire transfer for several days. This was a huge red flag so I decided I did not want to conduct any business with them and simply just wanted my {$XXXX} back. 

Per their instructions I had to add a bank account in order to enable transfers. 

On XX/XX/year> I entered my XXXX XXXX  XXXX account information into their app and confirmed the information through their app using their verification service XXXX. 

As of XX/XX/year> the checking account is still showing as " processing '' and all requests to the support team to confirm the account, or provide more information about the delay have been met with unhelpfulness. They ask vague questions like bank name, last XXXX digits of the account, etc... even though they already have this information. I have provided it to them again but still nothing happens. 

I just simply want XXXX to send me my {$XXXX} back or enable my checking account so I can transfer this money back out of their service.
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX