23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My husband and I have a Chase Bank XXXX Plus VISA Explorer card. The fee for this account is {$95.00} a year. 

Around XXXXXXXX XXXX XXXXXXXX on XX/XX/2022, I was helping our son place an order for a new phone on our XXXX account. As part of the checkout process, I entered the payment information for our Chase XXXX Plus Explorer card. 

After I hit the button to complete the transaction, the XXXX website showed that the transaction had been declined. 

This was very confusing since our XXXX account is on autopay and it charges to this VISA card every month and has done so for many years. This is clear on the attached statement. 
I checked my email, and found an email from Chase asking if the charge from XXXX was a valid transaction. I definitely clicked the option confirming that I recognized the transaction. My son was there and confirms that I selected the green Yes, I Recognize It option. The last thing I wanted was for the account to be canceled. I also got a text asking the same question, and I gave the same reply. 

Unfortunately, it appears that the Chase system glitched and mis-entered my reply. It flagged the account as having been compromised and closed it, even though it was not compromised, and we never indicated it was. 

My son and I completed the transaction using a different card since we wanted to be done placing the order. 

Afterward, I was concerned because I did not understand why Chase had indicated the transaction might be fraud, so I called them to ask. Only then did I discover that they had canceled the credit card because their system had flagged the transaction as fraud. They claimed that I had reported it as fraud. This is simply not true. I am the only one who received the inquiries about the transaction, so nobody else could have reported it as fraud. AND I DID NOT DO SO. 

I requested that they undo their error, since canceling the card and replacing it requires me to contact a list of vendors who bill monthly to update them with new card information. They indicated that the cancellation of the card was final. The only thing they could do was expedite the delivery of the replacement card. This really does not help. 

As a result of their error, I will now have to contact a full page of vendors to provide them with the updated billing information. I have had to do this in the past, so I know it takes between one and two hours of my time to complete this task. It must be done during working hours because that is the only time many of the vendors who need to be contacted are available. My billing rate is a minimum of {$100.00} an hour. 

Surely, Chase could not believe they have no responsibility to treat customers fairly when the customers are seriously inconvenienced due to a Chase Bank system error. 

In addition, I am distressed to think that if I had not called, we would not have known that the card had been canceled. We never received any notification from Chase that they had canceled the card. Do they really have no responsibility to notify customers when their cards have been canceled?
Product: Debt collection

I've told previous management multiple times before the lease was ending that I was not renewing my lease because I was leaving to XXXX. She understood and We came to that agreement. Then comes XX/XX/XXXX hen my lease ended, I moved out and she contacts me and says I needed to give her 60 days ' notice that I would be would now have to be responsible for rent until XX/XX/XXXX. I told her I was not renewing my lease multiple times and she knew that and yet and still charged me. This is now on my credit for a charge of {$4000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX IS REPORTING IS A 30 DAY LATE PAYMENT TO XXXX AND XXXX FOR THE MONTH OF OF XX/XX/year>. I HAVE NEVER BEEN LATE ON THIS AUTO LOAN LEASE AND I HAVE DISPUTED IT MANY TIMES AND LAST YEAR XXXX XXXX XXXX XXXX UPDATED THE ACCOUNT STATUS TO XXXX AS CURRENT NEVER LATE WHICH IS THE ACCURATE REPORTING. THE ISSUE IS THEY ONLY UPDATED XXXX AND NOT XXXX OR XXXX. THEY ARE REPORTING THE STATUS OF THIS ACCOUNT INCORRECTLY AND I HAVE TRIED EVERYTHING IN MY POWER TO CORRECT IT. PLEASE HELP ME. THEY HAVE NEVER PROVIDED ME WITH PROF OF THE LATE AND KEEP DECLINING TO REMOVE IT FROM XXXX AND XXXX. THEY ARE NOT EVEN REPORTING THE CORRECT PHONE NUMBER. PLEASE HAVE THEM CORRECT THIS ISSUSE AS THIS IS AFFECTING MY RIGHT OF THE FCRA. IF THIS ISSUE IS NOT RESOLVED I WILL BE TAKING THIS CASE TO THE SMALL CLAIMS COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
Company information. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XX/XX/XXXXXXXX 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: Prepaid card

I received a XXXX  digital giftcard and registered it. I tried to use it and the card was rejected. After trying online to get a balance, the only way I could access it was with the original link. I found out that although the card was still valid, myprepaidcenter took it up themselves to take out dormancy fees on a valid card until the whole amount was gone. What disgusting business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is embarrassing to be an American with companies like XXXX XXXX XXXX XXXX ( XXXX ). I have complained for five years with Experian and XXXX because they both accessed my credit report without my permissible permission. The last two complaints, ( COMPLAINT ID XXXX & XXXX ) XXXX states the form message This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. Keep track of the original complaint numberXXXX you can track its status and receive the company response on your Consumer Portal or by calling us. XXXX and Experian have yet to supply the permissible permission used to access my credit report and play the people like XXXX  children. And calling XXXX is a joke like calling Experian where you either hold for 45 minutes and then are disconnected or where you talk with someone who reads a programmed screen. I have XXXX  friends who are also embarrassed for their country. XXXX treats their people like XXXX XXXX just like big companies do here.
Product: Debt collection

This TrueAccord Corp company in violation of the FCRA and FDCPA has been repeatedly contacting me regarding a purported debt that I have not paid. They have not produced the accounting ledger showing the history of all transactions, including the one that allowed them to attempt to collect on this fraudulent account.This account is not mine. I made this company aware that this is the result of identity theft, to which I have completed and FTC identity theft report. To not avail, they continue to harass me conspiring to violate my right to privacy.
Product: Credit reporting or other personal consumer reports

Upon the review of my consumer report i notice inaccurate information. The presence of this informatio violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( a ) ( 2 ). This section stipulates that a consumer report may only be furniished in accordance with the written instructions of the consumer to whom the report relates. 

The inaccurate information is as follows : AccountXXXX XXXX XXXX  Account # XXXX I did not provide written authorization for the furnishing oof my consumerreport for the purposes that would justify the inclusion of the disputed information. Therefore, the presence of this infrmation on my consumer report is unauthorized and in direct violation of 15 USC 1681b ( a ) ( 2 ).

I request that you promptly investigate this matter as required by the FCRA and remove the inaccurate information from my consumer report.Please provide me with written confirmation once the investigation is complete, detailing the actions taken and the results of the investigation, along with an updated copy of my consumer report. 

You have XXXX days to delete this information from my consumer report Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Debt collection

I discovered an item on my credit that was opened in XX/XX/2013 the account in question is a Motorcycle loan from Harley Davidson. 
An ID Theft Report was filled out, and sent to the major CRAs XXXX, XXXX, XXXX. It should be noted because XXXX is now attempting to be in the CREDIT REPAIR BUSINESS they are violating privacy laws sending affidavits to various organizations without the permission of the victim. I requested the CRAs block fraudulent information resulting from identity theft, as required by Section code 605B Block of the Federal Credit reporting Act.. XXXX refused to respond
Product: Debt collection

DISCOVER CREDIT CARD IS NOT REMOVING THE ACCOUNT UNDER MY NAME THAT WAS OPENED DUE TO IDENTITY THEFT.I HAVE DONE A POLICE REPORT AND SENT IT TO THEM AND THE CREDIT BUREAUS TO REMOVE AND NOT REPORT TO THEM OR CALL ME HARASSING ME OF A PAYMEN. THIS HAS BEEN VERY XXXX FOR ME TO BE DEALING WITH THIS AT THIS TIME AND AGE OF MINE. I NEED TO BE REMOVED FROM DISCOVER CARD SERVICES AND SYSTEM.
Product: Credit card or prepaid card

I received letters in the mail stating that a credit card, and change of address was made on my account with Genesisfs Card Services. The problem is I never applied for this credit card service!!
Product: Mortgage

I have contacted Mr. XXXX XXXX the CEO of Shellpoint regarding the issue with my insurance check. I am hoping this will be the last step I have to take in order to get the check signed and returned to me. I am so thankful that i will never have to deal with these people again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a dispute to Equifax regarding a XXXX XXXX account ending in XXXX. Instead of removing the since its an older account Equifax updated to report as " Repossession '' This was a chargeoff account that was paid through a collection agency.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$96.00} XXXX OF XXXX - XXXX - XX/XX/XXXX - {$280.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$00.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$310.0XXXX 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 XXXX XXXX XXXX XXXX
Product: Debt collection

I was helping my wife settle a debt with Armada and I discovered I also had an account and owed them {$1000.00}. I was unaware of this but asked to negotiate a settlement and they said they do not do that. I want to pay what I owe but they said it was from 2019. It is not right that they will not work with me on this especially since they did not informed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX   XXXX  is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you.

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. Each are to deny any request for credit or information under the name XXXX XXXX XXXX XXXX any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.
Product: Credit reporting or other personal consumer reports

I have identified erroneous information on my credit report, as outlined by 15 USC 16c-2. I believe this information is incorrect and is adversely impacting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had written dispute to the bureaus XXXX, XXXX  and TransUnion regarding several inaccurate accounts that does not belong to me. Those accounts are not authorized and done without permissible purpose. Up to date I have received no response nor proof that the alleged accounts belongs to me. These erroneous reporting badly hurt my credibility to obtain a fair credit. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information they are reporting.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 reporting or other personal consumer reports

naccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Experian and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under XXXX XXXX XXXX ss XXXX ( XXXX ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

XXXX XXXX XXXX XXXX, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

XXXX XXXX XXXX XXXX ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I drafted a notarized affidavit of truth outlining the various violations and that of the federal law of 15 U.S. Code 1605 and 15 U.S. Code 1692 and 15 U.S. Code 1681b. I sent this notarized affidavit of truth on XX/XX/2021 via priority mail and I respectfully requested a notarized affidavit from a senior executive notarized by that senior executive confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not have come in the form of a letter response as an affidavit of truth can only be rebutted line for line by the form of a notarized affidavit. If there is An Unrebutted Affidavit the affidavit Stands as Truth. It has been well over 30 days and I havent received any notarized affidavit rebuttal. I feel like I am being taken advantage of and being ignored of my affidavit.I demand XXXX XXXX XXXX Account Number : XXXX and all Non account holding inquiries over 30 days old be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten Into the hands of the wrong person.
Product: Checking or savings account

I purchased an item through XXXX. I returned the product and due to their wait time for the funds to be refunded I opened a dispute with my bank. 
XXXX received the product and I provided proof on this and my bank is still saying there was no error. 
The denial reasons show the item was not returned but I verified with XXXX numerous times on the product being returned and even provided the return tracking information. 
XXXX is unable to issue the refund due to the claim.
Product: Payday loan, title loan, or personal loan

Hi My Name is XXXX XXXX XXXX & my Wallet has went missing & now I'm getting strange mail @ XXXX XXXX XXXXXXXX XXXX XXXX  with the Name : XXXX XXXX XXXX. So I believe he stole my wallet. It had my D.L. & S.S. Card in it. The mail is about a Vehicle XXXX & XXXX XXXX phone. So it seems this guy is using my info somehow to finance his expenses. Please forward this info to the proper departments immediately. THANK YOU VERY MUCH!!!
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX XXXX - Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.