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

I contacted Chase after a huge ordeal with XXXX. I rented a vacation rental and had numerous issues with the host. She would not respond to message or phone calls. My date was quickly approaching and XXXX told me to cancel the reservation ASAP because the host wasn't communicating. I spoke to several people at XXXX and 2 of which promised a refund. That refund never happened. I called Chase to file a dispute. The date of transaction was approx XX/XX/18. I provided Chase additional information on the dispute on XX/XX/18. Yesterday I saw they rebilled my credit card for the disputed amount. Chase has never called or sent a letter in regards to this. I called Chase and was told they sided with XXXX. They didn't care that XXXX promised a refund and hat XXXX had sent a disclosure. The disclosure is null and void as the host didn't communicate with me. How can I stay at a place where the host is non responsive? XXXX agreed to refund me and now they refused. I attached the additional info I sent Chase. Also, included a screenshot of my convo with XXXX. I had several other conversations on their phone line.
Product: Debt collection

company has committed fraud pursuant to 12usc 1431 because they are not authorized to issue credit only debt. also the alleged credit card does not meet the definition of a credit card In accordance with 15 usc 1602 ( I ) and according to 15 usc 1602 ( g ) the bank does not meet the definition of a creditor
Product: Credit card

Towards the end of XX/XX/scrub> 2024, I logged into my account to review my total balance due so I could pay off my credit card. When I logged in, it provided my with the amount next to Total Current Balance due : {$5300.00}. I also verified this with the current statement that runs fromXX/XX/2024-XX/XX/2024and it showed that my current balance matched what I saw on my dashboard. I submitted an ACH payment on XXXX XXXX,2024 for the current balance due of {$5300.00}. The way an upgrade card works is the interest is pre-calculated. My payment shows that I paid the interest and principal. My assumption was that I was paying the total balance and paying this card off. I was checking on my credit report for the balance to be updated and noticed Upgrade had not updated my credit report since XXXX of 2024. On XX/XX/2024 I logged back into my upgrade account and saw that I now had a total balance due of XXXX. I called Upgrade to see what was going on and spoke to a manager and he informed me that Upgrade does not include the interest in the current balance due. I asked him how I would know based on my statement and dashboard what my total balance is and my interest is and he informed me that I had to call Upgrade to get that information. This seems absolutely like a scam that they provide you with a balance, you pay it off and then they add to the balance. If the interest is not included in the balance on your dashboard, why is it now showing on my dashboard? This is deceitful business practices and they should not be allowed to produce statements and mislead the consumers in this manner. I do not feel comfortable paying any more money to this company.
Product: Credit reporting

I disputed the public record on my credit report, which is a bankruptcy. I received notice of the result of my dispute. The result was that the information was verified and the firm that was used to verify it was XXXX. I know factually the information was not verified through XXXX, as my consumer report was frozen on XX/XX/XXXX and Equifax, says they verified it on the XXXX. I reached out to XXXX and spoke to XXXX, who told me a inquiry had been received but she did not see where XXXX had divulged any information to Equifax.
Product: Debt collection

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law.

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!
Product: Debt collection

On XX/XX/XXXX My Representative from the HR company in my Corporate office received a Call from a Carrier looking for me Named XXXX XXXX from XXXX XXXX XXXX. XXXX XXXX told my HR Rep that she had documents from the court and had an old address and needed my new one. My HR rep told her she would let me know and give me the information number XXXX and reference number XXXX. I called the number XXXX that XXXX XXXX left with my HR Rep and a Guy Answered by saying " Hi, how may I help you '' not once did he say name of the company or the whole speech about the call being monitored. He told me his name was XXXX XXXX and he is representing GE Bank and Walmart on a card that was opened in XX/XX/XXXX and now a complaint is filed against me. He gave me my address which was correct, my DOB and the last four of my Social. He said that the last payment that was made was in XX/XX/XXXX. And that now I owe {$2900.00} not the original {$1000.00} since interest and fee are added and that he sent me a payment plan letter in the mail. Which I have never received. He wanted me to pay on spot or he said my Employer would be served. So I told him I would call back on XX/XX/XXXX so about an hour after I talked to him My Dad called me to tell me a XXXX XXXX Left a message on his machine saying she had papers to serve me with that a complaint was filed against me and that she has already talked to my employer. I told my Dad to save the message. Then I get a call from a private caller and they left a message it was XXXX XXXX telling me the same thing she told my Dad and my Employer so She called my Employer first to tell them information, then my Dad, then me last. Well I called back the number XXXX to see if I could get a company name, a girl answered but did not say name so I hung up. A minute later I got a call from a Private caller, it was XXXX XXXX he left a message saying that someone said I called and wondered if I had a questions to call him back at XXXX. So like I promised I called XXXX XXXX back at XXXX on XX/XX/XXXX and I brought up the Statue of Limitations and he said now the last payment was made in XX/XX/XXXX. So I told him that is incorrect and I told him the laws were broken by his carrier. So he said that if I do not resolve this then my employer would be served and they will need to release my paycheck documents because they will garnish my wages, I told him this was a scam and hung up. I waited 10 min and called back hoping to get a business name and a woman answered and told me the name of the business was " XXXX XXXX XXXX ''. Laws have been broken my privacy has been violated and I am thinking of talking to an attorney about this. My Employer was concerned for me, My Dad was Concerned for me. This is Harassment, Illegal, and my Privacy has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a credit report through the XXXX app XXXX XX/XX/2020 ), where I noticed there was a hard inquiry from Synchrony Bank. The date inquired was XX/XX/2020. I don't remember taking out a loan or applying for any loans or credit cards around this time. I made a call ( XX/XX/2020 ) to XXXX  stating I wanted more information about the Synchrony Bank inquiry, but I was told to get in contact with this bank and dispute it that way. I called the bank the same day XXXX XX/XX/2020 ) and I was told the company does not keep inquiry information for more than 3 months, so they wouldn't know what the inquiry was about or have any of my information. I then called XXXX  again to figure out the details of the inquiry, but there is nothing they can do unless I want to dispute it as fraud. 
I've never heard of this bank and I want to know how I dispute this or find out more information on this inquiry.
Product: Vehicle loan or lease

ON THE LAST XXXX XXXX  PAYMENT OF OUR XX/XX/XXXX XXXX XXXX THE PAYMENT WAS OVER PAID. TOYOTA REIMBURSED THE OVER PAYMENT IN A TIMELY MANNER. THE PROBLEM IS, THAT ANOTHER XXXX PAYMENT WENT OUT AGAIN IN THE THE AMOUNT OF {$500.00} IN XXXX. TOYOTA HAS INFORMED US THAT WE HAVE ALREADY BEEN REIMBURSED FOR THE FINAL PAYMENT IN XXXX AND THE PAYMENT IN XXXX. WE HAVE BEEN IN CONTACT WITH SEVERAL SUPERVISERS WITH ANSWERS THAT MAKE NO SENSE. ONE OF THESE APOLOGIZED FOR THE PROBLEM AND TOLD US THE OVER PAYMENT WOULD BE SENT OUT AND WE WOULD HAVE A CHECK IN SIX TO SEVEN WORK DAYS. TOYOTA ASKED FOR DOCUMENTS FROM XXXX  THAT SHOWS XXXX  XXXX  DEPOSIT AND WE EMAILED IT TO THEM AS DIRECTED AND THEY SENT US AN EMAIL STATING THEY RECEIVED IT,
Product: Debt collection

On XX/XX/XXXX I received a notice that XXXX XXXX XXXX received a default judgment against me through attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Phones : Business ( Fax ) : XXXX Business ( Phone ) : XXXX Case # XXXX I received a notice for interrogatories for XX/XX/XXXX. I have never received any correspondence from this attorney nor was I served for this judgment. The judgment lists an address of XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX. I have never resided at that address. My ex husband lived at that address but moved out of town in XX/XX/XXXX. I have lived at my current residence since XXXX. 

I never received the required notice that an attorney was handling this debt as required by the FDCPA and was not properly served for the judgment. This attorneys practices are unlawful and unethical to represent to the court that this was done.
Product: Credit card or prepaid card

I was stuck in Florida and bought a NetSpend card at a Love 's truck stop because I needed to get an XXXX to the airport the company refused to activate the card told me to call back on Monday so I then walked the XXXX MI half of it that night and then the next morning after spending all night on a bench at a bus station bus the rest of the way to the airport almost missed my flight when I returned home I contacted NetSpend and asked them why I could not be activated they still have not given me any reason besides I can not validate and address for an old account which I had XXXX to XXXX years ago they made no effort to give me back my money the amount of distress that I went through is unimaginable I starved for almost 2 days because I put every dime I had on that card thinking that I would be able to use it and it would be safe all they do when I call is past me around from representative to representative and basically tell me that I receive my money when they decide to release it
Product: Debt collection

I am writing to delete the following information in my file. The item ( XXXX ) I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge, I ask that the item ( XXXX ) are deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item ( XXXX ) as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX XXXX, I bought a pack of cigarettes at the XXXX XXXX XXXX XXXX XXXX XXXX ), located on the corner of XXXX XXXX and XXXX XXXX XXXX. The cashier told me he was charging me {$9.00} and I paid using my debit card and pin. 

The next day, XX/XX/XXXX, I noticed that I had been charged {$580.00}. I immediately issued a claim with my bank ( Chase ) to dispute the charges amount. I was temporarily refunded my money and was instructed to discuss the claim with the vendor directly while the investigation was underway. 

I immediately discussed the charge with the cashier that had overcharged me. The cashier agreed that the charge was incorrect, but told me to work with my bank to have it resolved. I continued to wait for results from my banks investigation. 

On XX/XX/XXXX, the refund from Chase was taken back from my account. On XX/XX/XXXX, I called Chase and they informed me that the dispute had been rejected and that I had to take up the dispute with the vendor due to the fact that a debit card had been used in-person. After discussing the dispute directly with the vendor again on XX/XX/XXXX, I was told that the vendor did not have records dating back to XX/XX/XXXX and that I need to dispute the charge with my bank instead. I spoke with Chase again today, XX/XX/XXXX, and was told that I should continue disputing the claim directly with the vendor. 

I would like to initiate an investigation into this fraudulent charge of {$580.00} in which I should have only been charged {$9.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting an account that falls under an agreement they created,  National Consumer Assistance Plan.      I received my dispute results on  X/XX/2017   , confirmation #  XXXX .     XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  MD  XXXX  In my dispute, I asked Equifax to follow the rules they created. This account contains eviction fees.     Equifax is not enforcing their own agreement.
Product: Checking or savings account

Someone in my home stole my debit card and used it for ATM withdrawals and in store purchases between XX/XX/XXXX and XX/XX/2022. I filed a claim and they refunded the in store purchases, but they denied my claim for the ATM withdrawals. 

They say it was because my PIN was used and obviously whomever took my card had my PIN. I told them at the time I was not the one who did the transactions. They stated a police report was not necessary to file my claim but then they denied my claim for the ATM withdrawals and are now requiring a police report which I did file. The wait for a copy of a police report is 6-8 weeks which will take me outside my 60 days to dispute the charges. 

I dont see how they can refund my in store purchases which also had a PIN used but deny the ATM transactions in which my PIN was used as well.
Product: Checking or savings account

On XX/XX/2018 I made out check # XXXX to XXXX XXXX XXXX, for {$1100.00}. On XX/XX/2018 my Bank deducted amount from my checking account on XX/XX/2018. The back of the check indicates it went into, NAVY FCU XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX. 
I have called XXXX, 3 times, spoke to a XXXX. My daughter-in-law went to the credit union in XXXX VA. They insist they did not received this money. My Bank official XXXX XXXX XXXX also called this number an got the same answer, My bank has filed a Affidavit of Unauthorized Paper Drafts 0n XX/XX/2018. NO ONE KNOWS WHERE MY {$1100.00} debit went. I need help, I am XXXX years old and was just trying to help my Son and Daughter-in-law out on a fixed income
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XX/XX/2022
Product: Checking or savings account

Already i told Bank of the west about my account fraud and ask them to close my account but they still charge my return check since 4 month after my request and still charge overdraft fee and i tried three time to dispute that but still stay in my credit i am very good customer with them and i had this account more than three years
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

While applying for CARES ACT grant it states PNC is not allowing the accounts to be linked.
Product: Credit card

I applied for and was approved for a Ulta Beauty MasterCard with Comenity Capital Bank ) but never received the physical card. I received the first statement for the account showing the purchase and assessed late fees, despite never receiving the card. I promptly called customer service and paid the full amount of the purchase on the day I received the statement. Customer Service did not provide any solutions or support to rectify the problem for the assessed late fees in its entirety. I felt my concerns were not adequately addressed and no concrete steps were taken to resolve the issue.

Name on the Ulta Beauty MasterCard is incorrectly spelled - no resolution.

Physical credit card never received - only last 4 digits of CC is known. 
No instructions or next steps were provided to move forward in rectifying the issue. 

I called customer service multiple times with no resolution. 

I continue to receive statements with late fees and interest charges, despite conversations with their Comenity service department The original balance is paid in full, there should not be any further charges on the account, especially since I requested the account to be closed. 

XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX OH XXXX disputing the late fees and interest charges. 
XX/XX/XXXX received another bill with additional late fees and interests assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took my daughter car shopping at a XXXX dealership in XXXX Arizona and I authorized them to search my credit that day but since that date my credit has been pulled without my consent my credit inquiries have gone through the roof as of XX/XX/XXXX and searches XX/XX/XXXX of this year. I want very much for these unauthorized inquiries removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was a victim of Identity Theft. The perpetrator was somehow able to open an account with XXXX XXXX XXXX and was approved for a credit card that he then used at a local XXXX XXXX to purchase {$3100.00} worth of product. Once I learned of the identity theft I froze my credit, put out a fraud alert as well as reported to identitytheft.gov as well as reported to the local authorities. I called XXXX to let them know that the account that was opened under my name was a fraudulent account and they assured me that it would be closed immediately and I would not owe anything on it. They sent me a letter stating the closer of this account as well as an affidavit to fill out to assist them in going after the person who opened it. I filled out this affidavit and sent it through the mail as well as sent it through their email address XXXX. This affidavit included case numbers as well as a copy of my actual ID. 

However, I recently received a letter in the mail stating I owed on the closed account. I called them on Wednesday XX/XX/XXXX and asked why I received the letter and the lady could not tell me why. She said I would be removed from the collections queue. Today, XX/XX/2019 I got an alert that XXXX has sent a delinquent alert to Experian and it has been posted on my credit. At this point I feel I have to escalate this situation because XXXX, who assisted in an Identity Theft crime, is now turning to the victim to collect.
Product: Debt collection

I had a credit card back in  XXXX  I did not pay it, I believe it was   XXXX   XXXX  , the balance was approx.  XXXX . A judgement was filed against me in NJ court by the original creditor. The debt was then purchased by  XXXX   XXXX  and they filed an additional judgement for approx {$2800.00}. On  XXXX   XXXX ,  XXXX  my checking account was levied by  Pressler & Pressler  of {$2400.00} plus {$120.00} service fee to my bank. I was left with {$0.00}, I am a single parent raising an adult with  XXXX . I was FURIOUS. I calle d Pressler & Pressler I w as hysterical crying, the attorney I spoke to,  XXXX   XXXX , was laughing at me. She is a disgrace to that profession. I was left with no money and a hold on my bank account which I still have on it to this day. I contacted the court in  XXXX  NJ where this was filed and was informed the amount is a few dollars short of {$3900.00}. Having recently gotten a job I did not want any type of garnishment filed ( which they were going to do ) I am in a payment arrangement with the NJ court now, I have paid them {$400.00} in addition to the {$2400.00} they swiped from my bank account. I have to pay the entire amount of {$3800.00}. and then go to NJ and get the release of the judgement and hope that is the end of it. I recently had my credit run and  TWO  judgements came up, the one I am paying off, which on my credit report it is for less than the court is claiming I owe. And the  Original one  that the second  one  is based off of. Needless to say that did n't look good. So, how do I get the original purchased judgement removed? And how is it possible that a judgement of {$1900.00} has ballooned to {$3900.00} and they were able to wipe my bank account clean? I have no rights? I was told I could come down to the court with  three  months bank statements and maybe get {$1000.00} of my money back. I have a job, a   XXXX   with  XXXX  and I do n't live in NJ anymore, how would that be a feasible option? I feel like the court is in bed with this  Pressler and Pressler , and HOW does a judgment filed by  XXXX   XXXX  get collected on by  Pressler and Pressler ? And that attorney,  XXXX   XXXX  should be disbarred ; she is a disgrace. I have to believe I am not the first nor the last to complain about  Pressler and Pressler , they seem to have quite a track record of preying on consumers. And  one  other thing, the address that  XXXX   XXXX  told me the notices were going to, I have not lived at since  XXXX . Which means they were getting the items returned. I had not received ( until recently ) a single piece of mail stating this debt existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 Self Inc will not delete inaccurate information please have them removed it effectively immediately thanks.
Product: Debt collection

From what I understand, FCRA 605B dictates the exclusion of any inaccurate accounts from my credit report. Could you please inspect the documents? There seem to be discrepancies in some of the listed accounts, and it's making me feel uneasy.