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

Per my last complaint. My Chase Visa card was stolen from a gas station. Since I was not going anywhere much due to the pandemic, I didn't take my wallet out much. I noticed that I was getting weird charges from XXXX, I noticed 3 days later because I got a fraud alert text from Chase. I looked online, saw all sorts of activity on my card starting up right after the visit to the gas station. A couple of months later, I finally got through to customer service, went over all the charges that were made by whoever used a scanner to steal credit card number with over 10 charges, totaling just over {$2000.00} and within 48 hours they'd credited all those back to my account. All seemed fine. Then, about a week after that, they charged every one of those charges back to my account. I called in again and this time they told me they couldn't tell me anything about why, that only the fraud recovery team could talk to me, but that team wasn't taking any calls. My only option was to email the team email address. I emailed right away, but of course got nothing back except an autoresponder saying they've received the message and they'll call me if they want to talk. 
Another week goes by and then I get a letter in the mail. It says they've completed their review and " you are responsible for the following transactions, '' then lists all 10+ charges with the " reason '' column just saying " you received benefit from this transaction. '' The end of the letter says " if you have questions, please call me directly at XXXX, XXXX. XXXX. I'm here XXXX XXXX XXXX XXXX '' and it's signed " XXXX '' ( no last name ). It's frustrating enough that they expect me to believe that they have this specific individual available to take a call from me 75 hours a week, but what's far worse is if you call that number it just shuts you down completely. The message says " we can't talk to you right now, '' there is no opportunity to even try to hold for someone, it just tells you to email the same email where I've now written multiple times to no response, then hangs up. 
So now I'm just sitting and wondering if I have any chance at all to get this taken care of before my due date ( the 6th ), Im {$11000.00} in debt because of all the interest charges that they charged. When I talked to Chase previously they admitted that the XXXX XXXX  didnt match but, they had my card information and address. This happened a year ago. They asked me to call XXXX and have XXXX  SEND proof that my XXXX XXXX doesnt match. XXXX can not do that because they don't have a subpoena or request from CHASE to send this information. I did not have any charges from XX/XX/2021 to XX/XX/2021 on my XXXX XXXX. XXXX also said once they give the money back to the bank they do not come back for it. Those were deemed fraudulent on their end.
Product: Credit card or prepaid card

I called Bank of America on XX/XX/XXXX and asked them to close one of my credit card accounts. After being transferred twice, I spoke to a person in XXXX, GA and she had the ability to close my credit card line. However, while speaking with her, I told her to close the line and she asked for a reason, and I told her I didn't want the card anymore. Well this was not good enough because she continued to stall and ask probing questions about why I wanted to close. She continued to probe and tell me it would take a little bit longer and she was almost done. Then she ask me about my current revolving debt, and knew then she just pulled my credit report which I didn't authorize. I told her yes I have other accounts, and I am using them and to close my credit card. She agreed and said it was closed. We hung up. 

Two days after on Monday XX/XX/XXXX, my spouse tried to use our other ( travel ) credit card with Bank of America, and it would not work. I decided to call Bank of America and I found out they closed the wrong credit card account. I don't know how closing the wrong account was possible, since I confirmed the closing account number 3 times. So to correct the error made on Bank of America 's part, I had to re-apply for credit to include consenting to new disclosures and pulling a new credit report. I feel that Bank of America is pulling credit excessively and I should not pay for the bank 's error in closing the wrong account. 

I would be very careful of Bank of America, as they do not have controls in place to prevent errors, or void errors, without the borrower paying for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my secondary request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance XXXX {$77.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Documentation - Account Number [ Your Account Number ] Dear Sir/Madam, I trust this letter finds you well. I am writing to address a matter concerning the alleged debt associated with my account, specifically referenced under account numbers [ Account Number 1 ] and [ Account Number 2 ] that are also not reporting on my consumer report. As a responsible consumer, I have consistently sought to understand the details surrounding these alleged debts. 

Your recent correspondence indicates two accounts, one with a balance exceeding {$600.00}. My primary concern is to obtain accurate and substantiated information regarding these purported debts. To this end, I have repeatedly requested documentation, particularly Form 1099-C, which would serve as proof of the debt cancellation.

While I appreciate the complexities involved, the timely provision of Form 1099-C is crucial for transparency and compliance with tax regulations. However, my attempts to obtain this documentation have been met with responses indicating that there " isn't time for that. '' In light of your assertion that I owe these debts, I kindly insist on the prompt furnishing of the Form 1099-C for the specified accounts. In the event that providing this documentation proves challenging, I must emphasize that the accounts in question must be promptly deleted from my consumer report.

Failure to furnish Form 1099-C or to delete the accounts from my consumer report will leave me with no choice but to escalate this matter further. I will be compelled to contact the IRS to report potential fraudulent activity, as the absence of proper documentation raises concerns about the legitimacy of these alleged debts. 

I trust we can resolve this matter amicably, and your cooperation in providing the necessary documentation will be greatly appreciated. 

Thank you for your immediate attention to this request. I anticipate your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter to dispute the following accounts that were on my credit on XX/XX/XXXX. The Letter to Remove Inaccurate Credit Information. These are items that were on my credit that I wanted removed according to the Fair Credit Reporting Act. I also informed them that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I was supposed to hear back within 30 days but got no response from them. 
Date of XXXX inquiries were on XX/XX/XXXX. 
Date of XXXX Account XX/XX/XXXX. 
Date of XXXX XX/XX/XXXX. 
Date of XXXX Account XX/XX/XXXX.
Product: Bank account or service

Changed lock on safety deposit box, employee stole everything {$30000.00} + XXXX XXXX Tx. XXXX
Product: Debt collection

SENTRY CREDIT INC has negatively reported a debt collection on my credit report, this is first knowledge of this transaction. I have not received any letters in writing advising what this collection is. I did send a letter, certified mail on XX/XX/2021 requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have confirmation from USPS confirming delivery on XX/XX/2021. After receipt of this letter Sentry Inc. have negatively flagged my credit report 3 times, dated XX/XX/2021, XX/XX/2021 & XX/XX/2021. Copy of letter, certified mail receipt USPS and credit report alert attached for your reference. I have also contacted Original creditor : XXXX XXXX that they indeed were aware that this was fraudulent activity on my behalf.
Product: Debt collection

This is an ongoing frustrating situation where your company COI keeps falsifying information that I am not aware of m. You state, XXXX XXXX. : R- XXXX XXXX Account XXXX. : XXXX On XX/XX/2021, you made a payment in the amount of {$540.00} with the agreement that this would resolve the account balance in our office. 
In response to your complaint, your account remains closed in our office as resolved. If you have any further inquiries regarding this matter, you may contact XXXX directly. In addition, please be advised that COI have contacted the credit bureaus, with which we do business, with our request to update our listing of the above account on your credit profile as paid less than the balance owed. COI can not affect a change to how the creditor or any other company may have listed the account on your credit profile. 
Enclosed please find a copy of an account payment history with our office for the above account. Should there be a discrepancy, kindly contact us. 

Currently I have multiple accounts with XXXX  and personal and business accounts receiving cellphone services and there is no record of what you keep reporting on my credit report. 

I have asked you to verify this information of three times within the past 1 year with all written and signed initial contracts and you failed to present them. I am requesting you remove this impediment from my consumer credit report and cease from contacting me about this issue.
Product: Debt collection

I was served a XXXX by Cooling and Winter dated XX/XX/2018 at my home by Process Servers. I answered the Summons well within the time frame allotted. I never heard back from Cooling and Winter after  recording my answer with the XXXX County Clerk of Court.  XXXX I visited a relative I had lived with briefly four years ago. He gave me what he thought was a stack of junk mail. However, within that stack were three separate envelops from Cooling and Winter.  They included A Notice of Hearing for XX/XX/XXXX, a Summary Final Judgement and their original Motion for Summary Judgment. It is obvious this was done intentionally by Cooling and Winter. They knew my address when filing for a Summons and they had my phone number because I called them when I received the summons. They denied me my Constitutional right to defend myself at trial. And, the court, could they not see, since I wasn't there, that two addresses were  used and if they used my relative address it should have been filed in a different County?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that there was a delinquent account added to my credit report that is not mine from XXXX XXXX XXXX XXXX I have no record of this account and it is fraudulent. Balance shows {$760.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute letters to all 3 bureaus regarding inaccuracies of dates of late payment and inaccurate accounts on my credit report. One of the accounts were updated but the other 4 were disregarded. This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I sent a Multiple Inquiry Removal Letter on XX/XX/2021, XX/XX/2021 and XX/XX/2021 by certified facsimile in order to dispute information, in regards to 7 hard inquiries, that were being reported on my credit report. They received all 3 of the letters and did not respond at all! According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it's files. The fact that I did not receive a response proves that there was no investigation into the matter at all, even though I requested it. I plan to move into a new home by the end of this year and having this many inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything not did I give verbal confirmation for my credit to be accessed. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my inquiry has been neglected by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of inquiry that needs to remove completely from my Credit Report. 
Inquiry : XXXX XXXX BANK XXXX of Inquiry XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX transunion improperly abusing my credit status. Shows late payment from 7 years ago in red right when report pops up incorrect over 7 years ago one parent missed I can not get credit apts nothing my score should be higher and not being addressed I called loan company 's I am not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX stated my account with XXXX XXXX XXXX -ending XXXX was properly investigated multiple times over the past 7 months. Last dispute by EQUIFAX was completed on XXXXXXXX 
However, how is this possible when the closed date is still inaccurate, worst delinquency is inaccurate, payment status is inaccurate, account number is inaccurate and last date of activity is inaccurate. 
The most recent Dispute completed by EQUIFAX from XX/XX/2022 ( attached ) clearly shows an account ending XXXX, when the actual account number ends in XXXX. EQUIFAX, clearly DID NOT complete an accurate and thorough investigation. 

The inaccurate information is a cause for removal, Equifax also violated my rights under ; 15 U.S.C. 1681 SECTION 602A. States I have the right to privacy. 

15 U.S.C 1681 SECTION 604A SECTION 2- also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b XXXX insurance c XXXX employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes and were not authorize by me or anyone associated to me : The following inquiry needs to be removed immediately : Coaf Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Cre Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Auto Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX Auto Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
These are fraud and should be removed immediately, when something like this happens all at once you should know something is wrong.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

I attempted to dispute a charge, XXXX from XXXX of XXXX on XX/XX/XXXX, the transaction id is XXXX. However, the rep ( s ) I spoke to did not understand which transaction and reason for dispute. The first rep I spoke with insisted the transaction in question is a XXXX funds transfer on XX/XX/XXXX, a day prior, which it is not. Again, the correct transaction is noted above. The charge is a deposit on a vehicle, which I attempted to cancel. However, the dealership refused and stated deposit is not refundable. They refuse even when vehicle has not been delivered and an option on the car is incorrect. Also note, the payment amount for financing is not what was agreed to. This was explained to a second rep I spoke to, I had to call back after dealing with first rep who would not cooperate. However, I do not know if dispute was filed or not as I have no email confirmation of anything of that sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX. On XX/XX/XXXX we rent an apartment called : XXXX XXXX XXXX  XXXX  XXXX : XXXX XXXX XXXX XXXX f XXXX oklahoma XXXX. 
1. The date we move in, we report to the office the apartment is infected with roaches. But they didn't solve the problem on time 2. The carpet was not fixed well and need some stretching and fixing. But they didn't fix it on time 3. The alarm was making noise the whole night and because of that my kids were not sleeping. They didn't fix the Alam instead they close it with sole tapes for two years I was with out smoke detector. 
4. My neighbors was also having the same bag problems 5. On XX/XX/XXXX they start to spray for the whole unite but it was so late. 
6. From this date on they start to spray every Thursday and some time Tuesday but the bags were increasing and I asked them why it is increasing. No reply 7. Only three days we told them to come back.

A. We have a new baby and we arrived from the hospital B. One of my boys was sneezing very bad from the spray he was allergic and he is still on medication C. The first day shut down of covid. 
8. On XX/XX/XXXX they refuse to give us renewal of lease agreement. I asked them to stay and I can not move because of covid-19 and I have small kids but they refuse and told me I can not stay in two bed rooms.

9. After I move they send me a bill to pay {$3000.00} after they took my {$250.00} deposit. 
10. Before my move I have an appointment with the manager XX/XX/XXXX to walk and show them I have cleaned and left the apartment in a good shape. But the manager was off and next day she refuse to walk the apartments.
Product: Credit card

Got scammed by a business in XXXX XXXX pretending to be the USPS selling discontinued Forever stamps at a discount. I DID and initial transaction for {$71.00} on XX/XX/XXXX for stamps. The quantity was not clear, but thought it was for XXXX stamps. No confirmation email was received. 
Stamps came about 10 days later. Checked my XXXX  statement and there was a second charge for {$340.00} for the same day. 
Name on company on internet : foreverusps Name of company on printed statement : foreverusps XXXX Realized I'd been charged way more than the going rate for legit USPS forever stamps. 
Reported to USPS. Directed via their email response to return said stamps to my local post office, which I did on XX/XX/XXXX. 
Reported dispute with XXXX  company ( Amazon XXXX XXXX ). There was not a category that exactly fit the description of what happened so reported that I was dissatisfied with the product. 
The {$71.00} transaction dispute has been declined and closed by XXXX XXXX, because I received goods and did not have them to return to the seller. 
The {$340.00} charge is still open, but I suspect they'll not honor my dispute on that one either. 
I have not contacted the seller because I can not find this organization on the internet, nor listed at the address from which the " product '' was purportedly sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : Account name : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # XXXX, has violated my rights. 

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

I reached out twice to Transunion regarding a deragatory item on my credit report for XXXX XXXX XXXX. The item does not show on any other credit reporting agencies due to the age of the debt. They stated that they handle reporting differently and it will be remove XX/XX/XXXX of this year. I'm concerned as my employer now performs credit checks.