23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Almost a year ago I received a solicitation from Chase Bank to get their XXXX XXXX XXXX credit card. The reason I got the card was a feature where the cash rebate of generally 1 % was increased by 25 % if used to purchase travel. I accumulated about {$1800.00} in travel benefit. I checked on-line a few times and was able to use their on-line system to find hotels and flights, but did n't actually use it because the cost of particular hotels was higher than available through XXXX. Nine days ago I decided I should use the travel purchase feature. However, each time I tried to get on-line over a nine day period, I was unable to get to the travel purchase portion of the site. Each time I got a message saying the feature was temporarily unavailable to me. I talked to XXXX different individuals at Chase, and they were unable to help me access the travel reservation portion of their site. I would like for them to call me and allow me to make hotel reservations as promised.
Product: Debt collection

This debt was paid in full to XXXX, XXXX, XXXX, XXXX XXXX XXXX on XXXX XXXX, 2016 ( see supporting documentation ), yet Portfolio Recovery Associates ( PRA ) continues to call my home phone and report the collection account as open with a balance of {$130.00} to credit bureaus. When contacted, PRA told me they could not discuss the debt with me because it was with an attorney. The attorney advised me to insist on talking to a manager. After several calls, I finally reached a manager who said she would confirm the information and correct the error. I called back to verify, the PRA representative rudely stated that she had no idea why I continued to call when both PRA accounts ( an older XXXX and the more recent XXXX ) showed a zero balance. I explained that I continue to receive calls from PRA and the account continues to be reported to all XXXX credit bureaus as open with a balance. She further informed me that they are under no obligation to report closed account to credit bureaus. I 'm at a loss for what to do next.
Product: Credit reporting or other personal consumer reports

Today, I found unauthorized inquiries on my credit report, and I have no explanation for them. I always check my report regularly, but these errors just appeared out of nowhere. I tried refreshing my browser in case it was a glitch, but the problem persisted. Im asking that my documents be reviewed meticulously so that I can finally be free from this stress.
Product: Vehicle loan or lease

I opened complaint XXXX which was closed prematurely. Company that responded provided documentation that does NOT match the documentation I have i uploaded for viewing as received by dealership. XXXX are alot of data inconsistencies listed when the informatio is matched with one another. I never signed received or was provided the following documents by dealership : Certificate of title, Odometer and damage disclosure form, Letter of assignment against current loan. I was never provided any Binding agreements between myself and Santander Consumer USA. if this case becomes closed again without proper investigation I will also be holding CFPB accountable along with the dealership and Santander Consumer USA in the Court of Law.
Product: Debt collection

XXXX is trying to say I owe XXXX dollars which is false because I was on ACP program. XXXX was credited to my account plus XXXX a month. My bill was only XXXX a month. So XXXX is false
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX residing in XXXX, Florida, disputing my credit files with all credit bureaus, I am very concerned because some of my information has been exposed to the dark web. I am sent information from Experian and XXXX XXXX with a list from the dark web. My passwords are exposed and information that I can print out and fax or email to cfpb. I am disputing to all three bureaus, Experian has not sent me results, my credit score has stayed the same since XXXX, my account number is XXXX my other scores are slowly improving. I am still waiting for my file, I have asked Experian to mail me my report because I do not trust the report online. Please respond to me and mail me my updated and investigated file, I can again, print out the list of the dark web surveillance report.
Product: Credit card or prepaid card

I had no idea what this even was, Transunion that is. The last two months Ive been charged {$19.00} on the XXXX of the month and I have never signed up for whatever this is. It needs cancelled immediately, I do not use or need whatever service this is and I want a refund of the expenses taken out back into my account.
Product: Credit card

I went online to make.my1st payment there payments format is weird it wouldn't show my payment so I did it 2 more times a couple of days later XXXX XXXX dollars payments showed up I had the money in my account for XXXX tried explaining that it's there system they charged me XXXX XXXX dollar payment for insaficent insufficient funds I thought I only made 1 payment and they showed up a couple days later talked to 2 different people and they both didn't listen or didn't care to they were very rude horrible customer service.
Product: Credit reporting or other personal consumer reports

I have written Experian and all its subsidiaries multiple times disputing inaccurate and outdated information on my personal credit file. 
on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX via USPS Certified Mail receipt Tracking # XXXX status Delivered, Individual Picked Up at Postal Facility I the consumer sent the credit reporting agency a letter titled " personal Information Update '', " Notice of Violation '' and a current copy of my state issued Drivers license this is my 3rd time THIS YEAR. as I go through my credit file it has come to my attention third party creditors are also reporting false information obtained from the report Experian makes readily available, like XXXX, XXXX XXXX, XXXX and other third party credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

1- XXXX  XXXX  XXXX  ( Auto Loan ) 2- XXXX  XXXX  XXXX  ( Credit Card ) 3- XXXX  XXXX  XXXX  ( Credit Card ) 4- XXXX  XXXX   ( Mortgage Loan )
Product: Debt collection

This company is in violation of several FDCPA laws. This company is reporting unverifiable and inaccurate information on my credit report. I demand this company to send a validation of debt letter also Pursuant to 15 USC 1692c ( c ) I am notifying this company in writing that I refuse to pay this alleged debt, and I am also demanding that this company cease all forms of communication with me through any and all mediums.
Product: Credit reporting

XXXX XXXX Denied employment and credit Checked Experian has wrong information I have never notifired of any collection nor do i owe anyone home or car! 
Collection item from XXXX in a small SC town.
Product: Debt collection

I have been called several times by XXXX XXXX with Williams Fudge Inc. - phone XXXX, regarding a debt that is not mine. 

I have told her this XXXX times and asked to be removed from the call list. 

On XXXX, she called me again and ALSO called my wife about the debt I did not owe.
Product: Credit card

On XX/XX/XXXX we had a credit card fraud where a fraudster called saying they are from Sams Credit card and made 9 overseas fraudulent charges to our Synchrony Bank Sams Card ( XXXX ). 
We trusted the call as we were working on a separate Synchrony Bank credit card fraud with following details, o XXXX XXXX ( XXXX XXXX XXXX ) o Card Number : XXXX We were in the USA. We do not make overseas charges and such substantial charges on this card. It can be verified by the history of usage. 
Charges were made as follows, o 4 charges at XXXX XXXX XXXX XXXX. 
XXXX search shows they are from XXXX and website to be XXXX XXXX XXXX with headquarter in XXXX ( $ XXXX $ XXXX $ XXXX {$900.00} = {$3600.00} ) o 4 charges at XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX $ XXXX $ XXXX {$12000.00} ). Appears to be an XXXX and XXXX based outfit. 
o One charge at XXXX XXXX XXXX ( {$370.00} ) - We called Synchrony Bank right away ( same day within an hour ) as soon as the fraud was recognized. XXXX Call Log was provided to the bank. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 6 ) Since then, we have been in constant touch with the bank. They have conduced five investigations with following resolutions, 1. Opened XXXX ; Closed : XX/XX/XXXX. 
I. Resolution-1 : The purchased items were shipped to your address. 
2. We called back and the investigation was reopened a second time on XX/XX/XXXX. Closed : XX/XX/XXXX I. Resolution-2 changed to : You Authorized, participated in, or benefitted from the purchase. 
3. We called back and the investigation was reopened 3rd time on XX/XX/XXXX. Closed : XX/XX/XXXX I. Resolution-3 same as Resolution-2 : You Authorized, participated in, or benefitted from the purchase. 
4. We called back and the investigation was reopened 4th time on XX/XX/XXXX. Closed : XX/XX/XXXX I. Resolution-4 changed to : We have received no proof that credit is due on the account from you and or the merchant. 
5. We called back and the investigation was reopened a 5th time 0n XX/XX/XXXX. Closed : XX/XX/XXXX I. Resolution-5 ; Same as Resolution-4 : We have received no proof that a credit is due on the account from you and or the merchant. 
7 ) Synchrony bank failed to protect us due to their poor vigilance. 
8 ) Synchrony bank has reported to credit report agencies that has negatively impacted my credit score 9 ) We filed police reports for the fraud. That further confirms that we have not benefitted from these charges, and they were fraudulent.
Product: Credit reporting or other personal consumer reports

I ask XXXX, XXXX and equifax to remove these fraudulent accounts off my credit! I provided information that proved these accounts were opened during my incarceration and gave my incarceration papers and they still left it and said the debt is mine. I would like this removed immediately.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX  Account Number : XXXX Date of Late Payment : XXXX XXXX, XXXX Nature of Complaint : On XX/XX/year>, I submitted a dispute to EXPERIAN disputing a late payment reported by TDRCS/SAMSUNG I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. I made the payment as I was always making it without any problem and suddenly they report that I had a delay. They reported it to me in the three bureaus and in XXXX they verified and confirmed that it was an error and they eliminated that payment late. 
2. This account is so far up to date in payment, the entire debt was paid.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint.

Sincerely,
Product: Money transfer, virtual currency, or money service

I recieved a deposit to my Venmo account earlier this year for {$45.00}. When I attempted to withdraw my funds my account was locked. It was then unlocked and I regained access. Upon regaining access I tried to withdraw and my account was locked again. After weeks of correspondence with Venmo I was advised that I violated the user agreement. I was then contacted by someone stating that I had another account with a negative balance and that they were keeping my funds to cover their losses however, Venmo is a prepaid service. There is actually no way for an account to become negative. You can only send or receive funds if funds are available. After stating this fact as well as telling them that I only have one account and any other accounts would've been open fraudulently, they refused to tell me how I violated the user agreement. They refuse to explain to me specifically how they are justifying their keeping my {$45.00}. I continually get the run around. They haven't provided me with an option to prove that this other account is not mine nor have they provided me with specifics re : how I violated their agreement. 
They are essentially stealing my money and not telling me why.
Product: Debt collection

Capital One is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX and XXXX. This account is a closed/charge off status : All ( 3 ) bureaus are reporting different closed dates. XXXX XXXX XX/XX/XXXX RE-AGED to XX/XX/XXXX, XXXX  NO INFO, XXXX  XX/XX/XXXX. All ( 3 ) bureaus reporting ( 3 ) different dates of last payments XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX and XXXX  XX/XX/XXXX. They are currently reporting activity and late payments well after the closed dates. The last being of XX/XX/XXXX, along with PAST DUE balances. The bureaus are reporting a false representation of the amount of debt on my credit file. Inaccurate statements of the balance due with different amounts reporting. All ( 3 ) bureaus have different account numbers reporting. XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX.
Product: Bank account or service

I 've been a cardholder since 2008 I have XXXX rushcards for different financial reasons due to past history of Identity theft. But now when it comes to me trying to use my card it has been and still is the worst nightmare ever. I normally have {$50.00} come or of my acct to put in my XXXX savings acct just to feel like I 'm apart of a bank, because rushcard is not accepted at most places ( prepaid ) and to now have to rely on this money to halfway get me by. I 've never experienced this yet with my card. I 've called numerous of occasions no response or i get placed on hold unknowingly if i do FINALLY get connected, or maybe even HUNGUP on after holding on for hours. Im still checking my mobile app and it 's still not allowing me to login, checking my online acct it may show that I 'm locked out invalid credentials ( user id/password ) or finally after answering numerous questions then it shows {$2.00} WTH.. I feel shameful to have to go to my mother for help with a XXXX old son who needs essential things that I ca n't afford right now or even borrow money from a payday loan to only not even be for sure if I would have the money to pay them back when it comes which is scheduled very soon. All these services fees are ridiculous, making XXXX be a fee free month is a SLAP IN THE FACE. Something needs to be done ASAP, this is unacceptable ... DO SOMETHING OR IM LEAVING RUSHCARD
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

14. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

18. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to resolve things with Experian but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is my last attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent XXXX XXXX or XXXX XXXX. All XXXX credit bureaus are not on the same page about a late payment that's on my consumer report and now i'm paying higher interest rates on my mortgage.
Product: Credit card or prepaid card

I have called XXXX. I have never opened up a credit card with this company. This is for a purchase that was made on XX/XX/22 in the amount of XXXX in XXXX, NY
Product: Debt collection

The debt company Zions Debt Holding sent me a text back in XXXX stating that they bought my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And that they had placed it on my credit report. I let them know that I did not owe any money to XXXX or Zion debt holding and can they sent me the paper showing that I owe them. I never received any proof from that I owe them money. Zion debt holding has place collections on my XXXX XXXXXXXX XXXX XXXX credit report and is effecting my credit score. And they will not send me any paperwork to show that I do. I filed a complaint with XXXX XXXX several times and it came back verified how, with what paperwork. I have asked for the debt validated in XXXX XXXX XXXX XXXX Zion Debt Holding states that They will email it to me but never do. Zion Debt Holding asked to for XXXX XXXX to take it off my credit report why do I have to pay when I do not owe them.
Product: Debt collection

No one is allowed to put debts on my credit reports unless the companies verify it is me first this company did not verify it was me
Product: Debt collection

Attorneys XXXX, XXXX XXXX XXXX XXXX, AKA MIDLAND CREDIT INC. Willingly and knowingly violated several NJ laws, statutes and a number of fair credit ethical business practices by suing XXXX of NJ residents in superior Court of NJ, obtaining default judgments to seize Bank accounts, EXEMPT FUNDS SUCH AS XXXX, social security etc. On " debts '' far outside of the statute of limitations NJ set for 6 years. Poor AND ILLEGAL business practice, stealing money from persons on FIXED INCOMES, claiming they acquired such debt LEGALLY?!?!?! ABSOLUTELY NOT.
Product: Debt collection

They are charging a {$20.00} fee for monthly payments on a debt. I didnt know that they were doing this until I looked up my payment history.
Product: Credit card or prepaid card

My credit card was charged with fraudulent XXXX calls totaling {$23000.00}. I complained to Chase Sapphire and they reversed initial charges and issued me a new card. The following month they reversed the credits as well as added new fraudulent XXXX  charges. In summary Chase posted a total of {$23000.00} fraudulent charges with credits of {$11000.00} and a remaining balance of {$11000.00} still on my credit card. 
I have been talking with Chase bank for three months and they have done nothing to assist. They suggested I contact XXXX and ask for specific charge information which I have done. I received an email from XXXX telling me they could not provide requested information and that my ticket was now closed. 
Final correspondence from Chase Bank was that these charges were mine unless i could prove they were not. I simply do not know how I can prove something I never did. 
As a result of this Chase Sapphire dispute, Chase Bank reduced the credit line on an my other card, a Chase XXXX  XXXX, due to the disputed balance on my Sapphire Card. My Chase XXXX  XXXX card has always been paid as agreed.
Product: Checking or savings account

A check was deposited by my girlfriend and it came back as altered/fraudulent so the bank said they were closing the account. That is fine, however they are holding my funds for 60 days. This is unexceptionable. The funds deposited in the account are from SSDI and are federally protected. This is my only form of income and holding them will cause undo and unnecessary suffering on my part, no food, no gas, no bills being paid, and phone already suspended. If I read the law correctly they must make available at least 2 months of SSDI payments which are direct deposited into account