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

On XX/XX/XXXX I visited an establishment in XXXX. My Chase XXXX   XXXX  credit card ending in XXXX and another card a Chase XXXX   XXXX  ending in XXXX were stolen. 

After leaving the establishment I received multiple fraud alerts and realized my credit cards were missing. I called Chase and immediately reported the cards were stolen and the fraudulent activity. 

In total I was informed someone at the establishment or merchant attempted 7 transactions, of which 2 got through. One on my card ending XXXX for {$3300.00} and another on my card ending XXXX for {$55.00}. Chase said I would not be responsible for the fraudulent charges, canceled the cards and I did take further steps at that time. 

Initially the 2 transactions were reversed, but after returning from XXXX on XX/XX/XXXX I was informed I would be responsible for the {$3300.00} charge. Through multiple conversations and disputes after that a senior fraud investigator named XXXX and a supervisor XXXX XXXX XXXX said they re-opened the case on XX/XX/XXXX because : 1. It was shown in their system that there were 7 total very suspicious attempted transactions, that seemed to be an attempt to max my card, of which the 5 on my card ending XXXX were listed to me with amounts and times : XXXX EURO - XXXX XXXX EURO - XXXX XXXX EURO - XXXX XXXX EURO - XXXX XXXX XXXX - XXXX I  know my credit card limits are over XXXX USD and it would be inconceivable these would be legitimate and authorized transactions. 

2. I filed a police report on XX/XX/XXXX, but that had no results. 

3. The charge for {$55.00} on my other card ending XXXX was fully reversed and deemed fraudulent. 

For the next 2 months I did not hear any response from Chase, believing they had forgotten my case and or simply chose to ignore it, I sent another email to XXXX XXXX on XX/XX/XXXX. 

Curiously right after on XX/XX/XXXX they said they reviewed the case again and refused to reverse the charge for XXXX, and offered no new information or reasons on the decision. They had previously citied that I was at the establishment and received benefit, which is absurd because I didn't authorize those charges, and paid in cash for any items. Nor would I purposely try to max a credit card by running 7 transactions on it, when I know very well what the limits are. 

Furthermore it is completely inconsistent for 1 charge from the same establishment to be deemed fraudulent, but on the other hand claim another charge is not fraudulent.
Product: Debt collection

over a year ago i paid a debt from XXXX XXXX, the debt was taken off my report after 3 months the debt was put back on my report on transunion, XXXX. i sent a validation letter and a cease and diesis to the address reported on my report. i never recieved an answer back to see the address reported is not an accurate address for my letters to be returned to me. i have no way to get in contact with XXXX XXXX, so i called and was told the information will be taken off and it is still reporting i need this blocked n deleted as soonas possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed, and successfully had XXXX XXXX XXXX XXXX removed from all 3 credit reporting agencies due to fraud. These items were previously disputed to the CFPB and removed by XXXX, XXXX, & XXXX as I was a victim of identity theft- and this was one of the many account that fell victim. The debts have been removed since 2019 on my credit report. XXXX has since sold the deb to LVNV FUNDING LLC -- and they have reported this debt to XXXX again. CFPB and XXXX both deemed the account to be fraudulent -- and now the collections company is trying to collect on a debt that they have ben informed is fraudulent. When LVNV FUNDING LLC called me I informed them, let them know of the police report, identity theft affidavit, and also the removal from my report. The decided to still report a collection account to my credit. Please remove this collection account from my report -- as it has already been proven fraudulent and XXXX XXXX XXXX XXXX should not be allowed to sell fraudulent debt. Also please instruct the the collection company to cease reporting and collection immediately. I have attached the original police report. The original identity theft affidavit, as well as the XXXX report showing the deletion of XXXX from my credit report.
Product: Checking or savings account

Synovus Bank has me blocked from my small checking and savings accounts.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit card or prepaid card

On XX/XX/XXXX, I discovered that I was charged erroneously at a XXXX XXXX for multiple stays during the same time period. Once I discovered the 2 out of 3 additional charges, I notified Citibank and disputed the charge after trying multiple times to correct the issue with the vendor. The charge in particular was for {$290.00} for an additional stay that I had already paid for in-full. 

Citibank immediately issued me a conditional credit for the 2 charges and supposedly launched an investigation. Without any reasonable explanation, I was sent a notice on XX/XX/XXXX that the dispute was not resolved in my favor and I would be responsible for all charges. 

The communication from Citibank noted specifically : After reviewing your dispute and the information you provided, we're unable to resolve the dispute in your favor. The information wasn't enough to support your claim, and you are responsible for the disputed charge. If you'd like to pursue this matter further, please contact the merchant directly. 

The investigation into your dispute has been completed, the conditional credit we issued to your account, along with any related fees and interest charges, if applicable, has been reversed. Please note, it'll be reversed in the next two business days - you'll see it listed with your account activity on your next statement, or by logging into Citi Online or the Citi Mobile App. 

We included the below transaction details for the dispute ( s ) on account ending in XXXX for your reference. 
Date XX/XX/XXXX Amount {$290.00} Merchant/Description XXXX XXXX XXXX XXXX MI I did not received any communications from Citibank during the dispute time period and have not seen, to date, any communications or proof thereof between Citibank and the vendor that any attempt was made to resolve the dispute on my behalf. 

This is unfair and inaccurate and I should not be responsible for services from any vendor that I did not receive and as a 20-plus year customer, I am filing a complaint because I do not believe that they investigated the erroneous charge at all.
Product: Debt collection

This charge was assumed from XXXX which was for a purchase that I never made. I protested the charge with XXXX  several times and filed a police report. The charge was even made without the use of my credit card. Someone used my name and the store clerk looked up my account number and allowed the charge to go through. 

I have also protested to the credit reporting agencies to no resolve. I am asking for this to removed from my credit reports as it is identity theft and Midland credit has not responded appropriately. 

XXXX XXXX  {$470.00} XXXX  Suggested Account # XXXX Status Original Creditor XXXX XXXX  Creditor Type Collection services High Balance {$470.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX Remarks Completed XX/XX/XXXX Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Completed XX/XX/XXXX I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX XXXX I recieved a correspondance from XXXX regarding the results of the investigation file number XXXX XXXX, Upon carefully looking at the report i noticed that the investigations results regarding in anledged bankruptcy report XXXX XXXX XXXX Indiana XXXX # XXXX. XXXX is stating that they verified is accurate on a previous dispute I included a letter from the bankruptcy court stating that the court and the clerk does not sell or provide the information that is considered under the fair credit reporting act 15USC1681 I have a right to privacy and they have not contained consent as requied the fair credit reporting act to publish personal information under 15USC code 1681e compliance procedures section b the accuracy of the report states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. In 15USC 1681 section 602 states Congressional Findings and statement of purpose 15 USC 1681. a. ) Accuracy of fairness of credit reporting The congress makes the following findings. section 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilties with fairness, impartiallty, and respect for the consumer 's right to privacy. Under section e the term investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a crditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. In the same report i recieved investigation results regarding capital one auto finance account number XXXX I previously disputed some late payments that is being reported by capital one. XXXX has failed to conduct a proper investigation regarding the accuracy of the late payments. 15 USC 1666b timing of payments the late payments are being recored by capital one auto finance is incorrect and must be deleted immediately.
Product: Debt collection

XXXX XXXX XXXX have been harassing my dad and auntie throughout the day. This company also tried to tarnish my reputation by calling the receptionist at my job and telling them that I was in trouble and someone was on their way to deliver documents for me to sign. This is embarrassing for them to go around speaking about me to my coworkers and family. They called my company on several occasions with the most recent being on XX/XX/2020. XXXX XXXX XXXX could not produce any proof that I had a debt with them. However, these harassing practices are inhuman, especially while we're dealing with a pandemic ( COVID-19 ).
Product: Credit reporting or other personal consumer reports

Credit report item disputed on XX/XX/2024. 

Consumer TransUnion credit reports get locked out of viewing their credit report after entering any dispute. It's unfair that a consumer is locked out for disputing one item on a credit report. XXXX and XXXX don't deny a consumer access to their website due to a single dispute for up to XXXX days! If a consumer attempts to check too often by logging in to their TransUnion account, their account gets locked out, as happened to me today XX/XX/2024. The representative stated that it could be a username/password issue however, that was incorrect as my credentials were saved on the browser and the access was NOT locked out due to multiple incorrect attempts. I confronted the representative about it and they unlocked the account. Please STOP TRANSUNION from allowing them to stop displaying a consumer 's credit report due to a current dispute and even worse, locking a consumer from viewing their report by locking them out of their account. It's challenging and time-consuming having to go through their IVR system to qualify to speak to a representative. 

Also, asking questions about relatives that I have not been in contact with for over XXXX years and no longer living in the area and having that as a question including buying a home in a new state is an UNFAIR question. I had to ask other family members to get the answer/confirm that the person left the state that I thought she was living in, moved to Florida, and then confirmed that she purchased a home in Florida. It's an UNFAIR security question!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent Equifax all the required documentation pursuant15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
They have mailed me back XX/XX/XXXX and Stated They are not blocking information pursuant to section 605 of the FCRA, attached is the full publication of that section which is Statue 15 USC 1681c-2 ( c ) in the original Dispute I wrote a statment '' There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. " That statment Alone take away any chance for any A ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached. ) This account has been paid and should not be reporting. I have attached a copy of the payment letter from XXXX dated XXXX proving this account has no balance due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

It has come to my attention that the XXXX XXXX XXXX XXXX is hit and miss. XXXX says they have no credit score on me at all. These credit bureaus are getting me denied credit basic on me receiving only {$5000.00} dollars a month income when my monthly income is over {$16000.00} XXXX a month. There claiming I'm under water by {$10000.00} dollars monthly, when I have never missed a payment. 

XXXX. XXXX - XXXX XXXX 2. XXXX - XXXX XXXX. Equifax - XXXX Overall, I have NO LATE PAYMENTS, and they changed my correct income of {$17000.00} per month to {$5000.00} per month, why I have no idea. 

According to the CFPB false and misleading information sent out by the three major credit bureaus is against federal requirements and must be corrected immediately. 

( 1006.18 ) False, deceptive, or misleading representations or means. 

Overall, my credit has been evaluated for over 50 years, it's impossible for me to have such low scores and NO SCOREs at all.
Product: Credit reporting or other personal consumer reports

I am unable to add my income information to my Experian Credit profile for over 90 days. I have brought this to Experian 's attention and it was assigned to Experian 's engineers and product team, according to Experian. They have no timeline of when this will be resolved nor an explanation of why it is occurring. In my opinion there is a promotional block on my credit profile internally, that they do not know how to remove.

Without being able to add my income information, it prevents me from being able to access and interpret all of the features of my credit file that resides with Experian. It also is blocking other companies from being able to view my credit file and determine eligibility for credit products. This is discrimination. XXXX other members of my very own household have absolutely XXXX problem adding their income information to their credit profiles and as a result, they are not blocked from potential creditors checking their reports for eligibility of certain credit products. 

I have inquired repeatedly for several months about the resolution of this and they continue to acknowledge it exists but will not resolve it or provide a timeline of when it will be resolved. Additionally I received a postcard from Experian on XX/XX/2024 telling me that Experian has removed my name from the preapproved credit offer mailing list for 5 years. I never requested this. I also am including a front and back copy of the postcard received.
Product: Credit card or prepaid card

INTEREST ADJ - CASH ADVANCE REFUND # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX MINIMUM INTEREST CHARGE ADJ - PREV CYCLE # XXXX {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX PREV CYCLE CASH FEE # XXXX + {$10.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX Purchase Mode NOT AVAILABLE INTEREST ADJ - PREV CYCLE CASH ADVANCE # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX ADJUSTMENT-CASH ADVANCES # XXXX + {$10.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX INTEREST ADJ - CASH ADVANCE DISPUTE # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX INTEREST ADJ - CASH ADVANCE REFUND # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX CASH ADVANCE FEE {$10.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX Purchase Mode MANUALLY ENTERED XXXX XXXX XXXX CA # XXXX {$25.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX According to XXXX anything thru XXXX is considered a cash advance so that why I was charged {$10.00}. 
This is WellsFargo response : My name is XXXX XXXX and I am a Case Manager in the Wells Fargo Executive Office. My role as a Case Manager is to research and resolve your concern. 

I received your email about the {$10.00} cash advance fee that was assessed to your credit card account number ending in XXXX. I realize your concern about the fee being assessed and I will be happy to look into this matter further for you. 

Please be advised that I have received your two follow-up emails and will be addressing all your concerns in this one email response. 

Our records show a cash advance on your XXXX statement at the same merchant in the amount of {$45.00} on XX/XX/XXXX. You were assessed a {$10.00} cash advance fee. The refund of this fee was reflected on your XXXX statement on XX/XX/XXXX. On this same statement another cash advance was made in the amount of {$25.00} on XX/XX/XXXX. A {$10.00} fee was assessed for this transaction but regretfully we were unable to refund it back to the account. 

The Merchant is XXXX XXXX Phone number : XXXX Description : Money/Transfer Merchant There's no grace period for cash advances. 

Interest charges begin to accrue on the date that the cash advance posts to your account and continues to accrue until the cash advance is paid in full. 
Today, I contacted XXXX & spoke with XXXX, ref # XXXX, who informed me that the company didnt charge a cash advance. I need to talk with my bank I called WellsFargo & spoke with XXXX, refused to give ref # or ID #
Product: Money transfers

Your recipient should have the money by XXXX XXXX, 2015. 


Paid withPayPal CreditMake a PayPal Credit paymentShip toXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXUnited StatesTransaction XXXX Seller infoXXXX XXXXXXXXXXXX XXXX Amount {$780.00} Fee {$0.00} Total {$780.00} See details on classic site