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

On XX/XX/XXXX, I found out that both of my Chase credit cards XXXX XXXX and XXXX ) were used by others for fraudulent activities. I immediately reported the case to Chase Fraud Department, and they told me that they would handle all necessary steps to help me to retrieve my money. At first, they indeed helped me to revert those charges. A weird thing happened on XX/XX/XXXX. Several of those charges were brought back and rebilled to my credit card account without notifying me at all. The thing is I was not in the states since XX/XX/2020. And all those XXXX pickup orders and XXXX shipping orders can not be completed by me. They did not even check all those tracking numbers carefully because they claimed the shipping address is my billing address. However, if they do a thorough analysis, they should know that all those addresses were changed by the hacker and I did not receive any of them. The only one that ships to my actual address was returned to the shipper as well, which is XXXX. I attached all those info as attachments below. The most annoying thing is that I lived in California, and several of the XXXX charges they brought back to my account is associated with Georgia and Las Vegas area. How am I supposed to pick up things in those distant regions? Not to mention that I was in XXXX!!! And now, they can only tell me that they will resubmit a review for those charges, and they can not even guarantee that I can get my money back. They also told me that the new review process will be done within 7 days. However, I heard nothing back from Chase. No phone calls, no mail or email notifications on the matter at all. I am so disappointed in how Chase handles this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with TransUnion on more than one occasion about being victimized on their inquiry issue. I have talked with different people and their customer service representative told me it will be ok it will fall off in two years. He stated he will not help me no matter what I say. Listed are the inquiries I had requested to be taken care of and it was not. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Second Request for Removal of Inaccurate/Unverifiable Information Under 15 U.S. Code 1681i ( 5 ) To Whom It May Concern, This letter serves as a formal follow-up to my initial dispute dated [ insert date of first dispute ], which requested the investigation and removal of inaccurate or unverifiable items on my credit report. Per 15 U.S. Code 1681i ( 5 ) ( A ), if any information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the correction. 

Despite my prior request, the following items remain on my report without validation or correction. I demand immediate action to resolve this matter within 15 days of receipt of this letter : Disputed Accounts : XXXX XXXX XXXX. 
Reason for Dispute : The account is listed as " Closed '' but reflects a balance of {$6000.00}, which is inconsistent and unverifiable. Additionally, the payment history contradicts the charge-off status. 
Requested Action : Provide proof of the original signed agreement, detailed payment history, and an itemized breakdown of the balance, or remove the account entirely. 
XXXX XXXX XXXX  Reason for Dispute : A collection account with a balance of {$910.00} is reported without identifying the original creditor or providing supporting documentation for this debt.

Requested Action : Provide validation of the debt, including a copy of the original agreement bearing my wet signature, or remove this account. 
XXXX XXXX XXXX XXXX for Dispute : The {$760.00} balance is unverifiable. No original agreement or supporting documentation has been provided to validate this debt. 
Requested Action : Provide validation of the debt, including original documentation and proof of authorization to collect, or delete this item. 
XXXX XXXX XXXX XXXX for Dispute : This {$730.00} collection account remains unresolved despite being marked as disputed. No validation has been provided to support its accuracy. 
Requested Action : Provide proof of the original creditor agreement, validation of the debt, or delete this item. 
Legal Violations Noted : Violation of FCRA ( 15 U.S. Code 1681e ( b ) ) : Failure to ensure maximum possible accuracy in reporting.

Violation of FCRA ( 15 U.S. Code 1681i ( 5 ) ) : Failure to delete or modify unverifiable or incomplete information after a dispute has been raised. 
Violation of FDCPA ( if applicable ) : Failure to provide proper debt validation. 
Show proof with in 15 days or remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having this problem every time I do a background they steady saying I owe her XXXX for back rent when she never toke me to court she verbally agreed to let me out my lease and waited two years to put it on my credit report I Disputed it and it was took off now she put it on my rental history I want it off my rental history and credit report once and for all with On XXXX XXXX and HUNTER WARFIELD every time I dispute it they put it back on she never took me to court and then apartments was a hazard to me and my kids and when I told her I was gon na take her to court she agreed to let me out my lease but then did this two years later
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Vehicle loan or lease

To Whom It May Concern : I hope this email finds you in the best of health. My name is XXXX XXXX and the reason you are receiving this email is because of a dispute on how Capital One Auto Finance is reporting a collection debt to XXXX, Acc # XXXX, {$11.00}, XXXX. 

This debt amount is inaccurate. The correct amount owed was {$8.00}, XXXX, Acc # XXXX which was settled and paid with Capital one Auto Finance on XX/XX/2020. 

Capital One Auto Finance already reported the correct amount with XXXX, but they are reporting it incorrectly with XXXX. 

As such, I would like this information to be reflected correctly and updated with XXXX and or removed from XXXX because of the inaccurate reporting. 

Thanks
Product: Debt collection

am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted 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 Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Convergent Outsourcing " XXXX XXXX XXXX last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed.
Product: Credit card or prepaid card

IreceivedanemailXX/XX/XXXXthatmycreditcardswereclosedimmediately.ThatisinviolationwithCIVILCODE-CIVDIVISION3.OBLIGATIONS[1427-3273](HeadingofDivision3amendedbyStats.1988,Ch.160,Sec.14.)PART4.OBLIGATIONSARISINGFROMPARTICULARTRANSACTIONS[1738-3273](Part4enacted1872.)TITLE1.3.CREDITCARDS[1747-1748.95](Title1.3addedbyStats.1971,Ch.1019.)1747.85.
Unlessrequestedbythecardholder,nocardissuershallcancelacreditcardwithouthavingfirstgiventhecardholder30dayswrittennoticeofitsintentiontodosounlessthecardholderisorhasbeenwithinthelast90daysindefaultofpaymentorotherwiseinviolationofanyprovisionoftheagreementbetweenthecardissuerandthecardholdergoverningthecardholdersuseofthecreditcardorunlessthecardissuerhasevidenceorreasonablebeliefthatthecardholderisunableorunwillingtorepayobligationsincurredundertheagreementorthatanunauthorizeduseofthecardmaybemade.
Nothingprovidedhereinshallbeconstruedtoprohibitacardissuerfromplacingtheaccountofacardholderoninactivestatusifthecardholderhasnotusedthecardforaperiodinexcessof18monthsorfromrequiringthatcardholder,uponsubsequentreuseofacard,toprovidetothecardissuersuchupdatedinformationaswillenablethecardissuertoverifythecurrentcreditworthinessofthecardholder.


ThereasonschasebackclosedmyaccountswerestatedasToomanyaccountsopenedrecentlyToomanyrequestsforcreditorreviewsofcreditNowthosereasonsthattheyclosedmyaccountsarenotstatedinthecardmemberagreements.Andthefactthattheywrittenandclosedmyaccountsthesamedayisaclearviolationofthemgivingmeawritten30daynoticeoftheirintenttodoso.Thisisaclearproblem.Iwillbegoingafterarbitrationforthismishandlingofmyaccounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I disputed XXXX XXXX XXXX account on my consumer report via Experian as inaccurate. The account showed a balance of {$15000.00} and highest balance of {$15000.00} and listed XXXX XXXX XXXX as the creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted Experian and on XXXX/XXXX/202, I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021 I contacted XXXX XXXX XXXX via telephone and asked representative XXXX for a copy of my contact and a payoff quote to be sent to me via email. Mr. XXXX transferred me to Ms. XXXX and I asked for the same, a copy of my contract and a payoff quote to be emailed to me. Ms. XXXX stated it would come from a different department in about 24 hours via the email address I provided and confirmed the payoff quote is {$15000.00} and that it had to be paid by XX/XX/2021. As of today, XX/XX/2021, XXXX XXXX XXXX account is still being furnished on my consumer reports via XXXX, XXXX, and XXXX. I, XXXX XXXX XXXX, never gave XXXX XXXX XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
Product: Checking or savings account

XXXX Has been texting me on behalf of XXXX XXXX XXXX ( XXXX name ) They are running an internet scam. I got the answer correct to their quiz, and then send money with a promise to get a bigger return which of course never happened.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information includes hard inquiries, collections, and accounts that were not authorized by me. These include a fraudulent 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 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 XXXXXX/XX/XXXX, in the amount of {$1700.00}, is also the result of identity theft and fraud. 

These unauthorized accounts, collections, and hard inquiries have caused significant damage to my credit score and financial reputation. I do not recognize any of these items as reported, as they were not opened, made, or initiated by me and are the result of identity theft. I have attached the following documentation to assist with your investigation : a copy of my FTC Identity Theft Report XXXX XXXX XXXX XXXX  a detailed list of fraudulent hard inquiries and accounts, and a copy of my consumer credit report that highlights the fraudulent items.
Product: Credit card or prepaid card

I disputed an unauthorized charge that appeared on my XX/XX/2021 statement. Capital One failed to research my dispute and continues to report missed payments because I refuse to pay for this unauthorized charge.
Product: Credit reporting or other personal consumer reports

XXXX. SUNRISE CREDIT SERVICES Account number : XXXX - account reported inaccurately, please remove from credit report. 
XXXX. XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX XXXX  Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX ( XXXX ) Account number : XXXX : Balance : {$950.00} -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX ( XXXX ) Account number : XXXX : Balance : {$800.00} -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX XXXX, XXXX Account number : XXXX XXXX reported inaccurately please update or remove from credit report XXXX XXXX XXXX XXXXXXXX Account number : XXXX -account reported inaccurately please update or remove from credit report
Product: Credit card

On XX/XX/XXXX, I made a purchase in XXXX using my JetBlue Business Credit Card, which was classified as a cash advance, resulting in an initial cash advance fee. Despite paying my balance in full on XX/XX/XXXX, I have been charged a recurring cash advance fee every month since then. Each month, I contacted Barclays customer service, and while they acknowledged the error and credited the fee, the issue persisted. In XXXX, a representative escalated the matter by filing a ticket to resolve it ; however, the fee appeared again on my XX/XX/XXXX, statement. This ongoing issue has been occurring for five months, causing significant inconvenience.
Product: Debt collection

Please refer to original complaint # XXXX. I am attaching more documentation for your records
Product: Credit card

I paid Apple card/Goldman Sachs , {$14000.00} for my XX/XX/year> payment. Of that only a little under {$2500.00} was due with the rest being due in XXXX. XXXX bill pay sent them a check that Apple received on XX/XX/XXXX. XXXX then reported that my payment was late and charged me @ {$170.00} in interest. I contacted Apple about XX/XX/XXXX and The representative said they had no record of my {$14000.00} check. I therefore called XXXX to put a stop payment on the check since once it was presumably lost. The next morning, XX/XX/XXXX, I saw on my Apple app that Apple was processing my check for {$14000.00}. I immediately called XXXX and told them to lift the stop payment on the check. I then called Apple and told them all of these circumstances and I was assured that the check would not post until XX/XX/XXXX so there was plenty of time for the stop payment to be lifted. During all of these multiple calls, I was promised a callback by supervisors who could waive the interest fee. I have not been able to connect with one of those supervisors to date. I have repeatedly requested such a discussion and no luck. Apple received full payment prior to the due date. Because of their failure to locate the check, a stop payment was placed. It was then determined that Apple in fact posted the check on XX/XX/XXXX and because the stop payment had not yet been lifted the payment was declined by XXXX. On or about XX/XX/XXXX or XXXX. I sent an electronic payment of {$2500.00} to XXXX to fully clear the XXXX balance. I am respectfully requesting that XXXX reverse the {$170.00} in interest charged to me under the circumstances. I pay my account balance off in full each and every month. Several occasions XXXX has posted the payment after the start of the month and one or two occasions when an interest rate was charged, that interest was reversed immediately without any request by me.
Product: Credit card or prepaid card

On XX/XX/2018, I applied for and was approved for XXXX XXXX credit card number XXXX XXXX the sole purpose of purchasing XXXX XXXX ticket confirmation number XXXX because Bank of America ( XXXX  Credit Card ) was offering a {$100.00} statement credit. 

I was a approved for the card and provided the credit card number online so that I could then purchase the ticked. I did so, then Bank of America cancelled the card essentially after the purchase was made. In the coming days I noticed that another Bank of America/XXXX  credit card ending in XXXX appeared on my Bank of America Checking/Saving online account ( I bank with Bank of America ironically enough given how terribly they are treating me ). I called and found out that Bank of America cancelled the card with the {$100.00} statement credit promotion and gave me another card. They proceeded to say that I can't get the {$100.00} statement credit because the Terms indicate that I gave to spend {$500.00} within the first 90 days which of course in IMPOSSIBLE because they cancelled the card. 

So the scam appears to be that they promotion is offered. The credit card is approved and used by the scam victim. The bank cancels the cards and provides another card so that the scam victim has no way of receiving the promotion. 

I am out raged. I want my {$100.00} statement credit! At this point I don't think I should even have to meet ANY terms since they saw fit through -through their scamming- to ensure that I wouldn't be able to meet any Terms at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

my current address is wrong on my equifax report. I have never lived in XXXX XXXX KS.
Product: Credit card

I am an XXXX XXXX service member currently receiving benefits under XXXX with Amex. I have been trying to extend this benefit to my wife since XXXX this year but I have been getting rejections. I have reopened so many cases under my account and my wifes but the results is always the same. There was this time I made a request under her account for the XXXX but she was reviewed under SCRA. Another case was reopened to fix the issue but was told she didnt qualify. Button line the process has been a mess and have left us with no alternative. I am hoping this will be the last request. 
Thank you
Product: Credit reporting or other personal consumer reports

I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number have been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached # DELETE UNAUTHORIZED INQURIES XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- - XXXXXXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- - XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- -- XXXX XXXX XXXX XXXX XXXX -- -- -- -- -
Product: Debt collection

There is something showing on my credit file and I truly don't know what it's for. I am a XXXX and believe it may be something mixed up with my father. I wasn't in the hospital or needed medical treatment in 2018 so not sure what this is. I disputed with the bureaus and they just say verified. WHAT IS THIS?
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed during the Equifax Data Breach. Shortly after being notified of us, I noticed 5 separate accounts listed on my XXXX, XXXX and TransUnion reports which were the result of misuse of my sensitive personal information. I promptly filed an ID Theft Report ( including 3 separate police reports ) with these credit bureaus. The information was sent to XXXX using XXXX Tracking XXXX. Sent to TransUnion using XXXX tracking XXXX. And sent to XXXX via XXXX XXXX Mail XXXX ( i do not have the tracking offhand ). In my identity theft report, it stated that these accounts were the result of the misuse of my sensitive personal information. I included a copy of my birth certificate, my New York State Issued ID, XXXX Card and proof of my address. I asked for these credit bureaus to block all of the fraudulent information from my credit reports. TransUnion complied almost immediately although all of the inquiries on my report are a result of fraud which they did not remove. I followed up with a letter with TransUnion but have not heard back at this time. XXXX and XXXX removed one of the accounts but 4 of them still remain. I am filing a complaint because I do not believe that anybody should have fraudulent information appear on their credit reports. It is not fair to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has several hard inquiries on my credit report that I did not authorized. These come from the date ( s ) of XXXX XXXX 2020. They appear from the name ( s ) of XXXX XXXX XXXX and XXXX. I am asking that they be deleted from credit profile.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602 A, states that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions and crimes which antedates the report by XXXX  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 false.