23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Someone hacked into my account on XX/XX/XXXX and reversed payments I made for my car loans and my apartment.I filed a claim for the fraudulent transactions but the bank denied it. Afterwards, my paycheck was directly deposited into my account, my wife also deposited her paycheck into our joint account.I contacted chase bank customer service and requested that they should deduct XXXX dollars from my checking account and transfer the money to the following merchants so that they don't come back to repossess my vehicles.XXXX XXXX {$490.00}, XXXX XXXX  {$490.00}, XXXX XXXX XXXX XXXX {$400.00} and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$490.00} On XX/XX/XXXX, I contacted the merchants and all of them stated that they didn't receive any payment from the bank.I called Chase Bank multiple times and they insisted that they remitted the above amount of money to the merchants.I then spoke with Chase XXXX department on XXXX different occasions, some of them told me that they did not pay the merchants and that customer service agents who stated that the merchants were paid did not tell me the truthXXXX department promised to recover my money and send it back into my account, I have been waiting for them to no avail.Some of them also said that they were going to forward the payments to the merchants yet it is all lies, The merchants have not received any payment from Chase, even this evening, I spoke with the merchants and none of them have received any money from Chase Bank..I visited XXXX branches of the bank on different occasions and spoke with the supervisors and bankers, They were all saying differently things which were not adding up.My money is missing, about XXXX dollars and the bank can't give account of it.Please, I will be grateful if you recover my money for me or ask chase bank to remit the money to the merchants.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX  XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

Over the course of banking with XXXX since XXXX I received NUMEROUS overdraft fees that I shouldnt have because of how they process pending charges and deposits etc. {$39.00} a fee is ridiculous and I can only ever get a partial reimbursement AND only have some many granted per year. I lost HUNDREDS if not thousands of dollars to them.
Product: Credit card or prepaid card

XXXX XXXX XXXX Retailer accepts returned goods for full refund. Full refund is issued. Receipts are printed In store and from computer and filed. Online transaction later reflects different information, which is usually accompanied with temporary fraud and theft of financial records to support what seems to be accounting and bookkeeping projects at the expense of the reporting party. Issue described frequently targets the older transactions soon to be removed from the online history. Task is routine and ongoing and meant to tire person completing bookkeeping online or record keeping onsite.
Product: Debt collection

My info was leaked in a ton of data breaches that had ruined my life. Some criminals got a hold of my information and have using it until it could not be used anymore. Im now being harassed by companys to pay them money I dont have. I cant open a bank account and I cant get a credit card because my credit is ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, XXXX, and TransUnion on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Product: Payday loan, title loan, or personal loan

I received a loan from XXXX XXXX for XXXX XXXX in the amount of {$2400.00}. First payment was due on XX/XX/XXXX in the amount of XXXX. I received a payment invoice an made the first payment on XX/XX/XXXX. However, I have not received any invoices or payment coupons for the rest of the payments. I called XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and asked about the payment coupons. I was told the coupon book was mailed to me on XX/XX/XXXX but the post office is 2 months behind in delivering mail. I made the XX/XX/XXXX payment by mailing directly to XXXX without a coupon. I asked to have a new coupon book mailed to me by overnight mail but was told that could not be done. I asked to speak to a manager but was put on hold and no one answered the call.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX and Account # XXXX XXXX XXXX. 
AlsoXXXX XXXX XXXX XXXX XXXX  Account # XXXX. Theyve have violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a student loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/year> a debt collection named Ambassador Collection was added to my credit report in the amount of {$2800.00}. This company threatened me several times and demanded money out of my account to pay them. HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthoroized inquiries are being reported to my personal credit file. The Experian, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 1. XXXX Inquired on XX/XX/XXXX 2. XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX 3. XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX 4. XXXX XXXX Inquired on XX/XX/XXXX 5. XXXXXXXX XXXX Inquired on XX/XX/XXXX 6. XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting

I disputed a collections account on my Transunion credit company. The account is for a medical bill in my hometown of XXXX, LA. The account is currently owned by XXXX ( accoount # XXXX ). The account has been transferred to a number of different collections agencies and I dispute it everytime it pops up on my credit report. It was previously owned by XXXX XXXX and I disputed it then also. XXXX is also reporting this account, but on my XXXX report the account is owned by XXXX. The account is for a medical bill my father accrued when he went to the XXXX at XXXX XXXX XXXX. The info I 've received thusfar matches the dates of the charges.His name is XXXX XXXX. The collection agency that reported the account sent a letter to me in response to my dispute. The letter is also addressed to my father, they just sent into my home instead of his. Today, I got a notification from XXXX XXXX that Transunion has completed their investigation and they are refusing to remove the inaccurate information. They claim it meets FCRA requirements. But this is impossible, because the account is in my father 's name. I called Transuion last week to emphasize how important it is that they remove this fraudulent information from my credit report. I guess I did n't drive the point home well enough, because despite the collections agency submitting a letter that is addressed to someone else, they still did not remove the information. I am looking for an apartment and I really need this account deleted so that I can get approved or I will be on the street come XXXX. Please help. This is extremely urgent.
Product: Credit card

I contacted Wells Fargo to ask if they would extend my APR of 0 % on purchases and balance transfers. Per my most recent bank statement, it indicated that my introductory APR would expire XX/XX/XXXX. Two representatives indicated that they extended it until XXXX due to a good payment history. I stated that it was not visible online and to show me where it stated that. No one, including the first representative or the one dealing with the Wells Fargo website could do that. I told them that I wanted it in writing so that if it did not get extended then I could show it was offered. The representative stated that they could not do that until the most recent payment was paid. I told her that it was paid ( {$0.00} due ) therefore, all the conditions have been met so could she put it in writing. Initially she indicated that she could fax me a letter, then while I waited, she said that she could not, only mail it. I said " ok, go ahead and mail it ''. Then she proceeded to say it would take 15-20 days for me to receive it? So again, I might not receive it until XX/XX/XXXX when my APR could potentially go to a XXXX interest rate or higher. Doesn't this go against the Fair Credit Act whereby the customer is suppose to be notified of the APR? This isn't reasonable since I have nothing in writing and will not get anything until the day my 0 % APR is over. Please assist if you could. Thank you
Product: Credit card or prepaid card

Back in XXXX, XXXX my prepaid card had a negative balance of over {$330.00}. My card is the XXXX XXXX XXXX  by ADP. It is a Visa card. I started a dispute back in XXXX, ad the charge for the room at the XXXX XXXX in XXXX XXXX, MI was unauthorized. The card was to be used for incidentals only, of which I had none. I paid cash for the room, and provided ADP with the receipt showing this. 

I was told about 3 weeks ago I had to re open the claim as there was a note on my file regarding this, but the claim was never formally started due to a staff error. This is not my fault not is it my problem. The claim was re-started at the beginning of XXXX. I emailed all my proofs to ADP. 

I received a 1 page dispute form in the mail 5 days AFTER the due date. There were instructions to fill out the 5 pages that were " enclosed. '' The only document enclosed was a cut off cover letter. 

ADP is purposefully avoiding doing their job and investigating this dispute. It had been almost 6 months and my dispute has not been resolved after showing proof that I paid cash for the room and the charge was not authorized. 

I am getting ready to take ADP to court and ask for a Writ of Mandamus to compel them to perform their duty to investigate as required by law.
Product: Credit reporting or other personal consumer reports

I am writing to request validation of the debt reported under my name in your records ( CIC ) Contemporary Information Corporation, as permitted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that a debt has been incorrectly reported, and I am requesting that you provide the necessary documentation to validate the claim. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Please provide the following information for the reported debt : The original amount of the debt.

The name of the original creditor and their contact information.

A detailed breakdown of the charges.

Any supporting documentation that verifies the debt, including any signed agreements or contracts.

If you can not provide the requested validation, I ask that you promptly remove this entry from my tenant file. Additionally, please refrain from reporting any inaccurate or unverifiable information to any other credit or tenant reporting agencies.

I appreciate your prompt attention to this matter. Please respond within 30 days of receiving this request, as stipulated by the applicable laws.
Product: Credit card or prepaid card

Big Lots is refusing to close rewards card # ending in XXXX & has ignored email request
Product: Credit card or prepaid card

On XX/XX/2023 at approximately XXXX XXXX  I received a notice from XXXX XXXX  stating that my Lowes card through synchrony bank was closed. I did not close this account. I called synchrony bank and was told they randomly checked my credit on XX/XX/XXXX and decided my credit score wasnt high enough to their standards, and closed my account, which is in good standing, and Ive never made one late payment to them. This is unfair business practice, and they did not have my permission to run my credit on XX/XX/XXXX. Now this closed account is going to affect my overall credit score. This is unacceptable and I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple discrepancies with the account from XXXX XXXX XXXX XXXX XXXX : 1. It is reported by both the original creditor, as well as the debt collection agency ( XXXX ) 2. There is a balance discrepancy. Debt collection agency is showing a balance of {$50.00}, while original creditor is showing {$210.00}.

3. The date opened has a discrepancy as well. On the debt collection agency 's report, it is showing a date of XX/XX/2022 for Transunion, but a date of XX/XX/2022 for XXXX.
Product: Credit card or prepaid card

Synchrony Bank processed an XXXX XXXX XXXX in my name. I received an email with a reference number and a link to details of the card. I clicked the link and entered my private information correctly and it said my info was not matching their records so that's when I knew it was sketchy. I called them and they were very unhelpful. Synchrony Bank is a very low budget sketchy creditor. I NEVER gave them permission to check my credit nor would I deal with these people.
Product: Checking or savings account

I have a checking acct with a debit card with chime. I noticed I had a lot of unauthorized charges and filled a dispute which was denied. I have never even heard of these companies that are charging me. Usually I have very good service with Chime and very rarely get unauthorized charges. I really need some help with getting Chime to recognize that I have been wronged by these several unauthorized charges. All the charges are in a dispute that can be seen on their app. There are a lot. I have had no problems in the past with chime. There are charges that go back a year because I have had such good service for years with chime that i did not expect false charges. When I finally looked deeper I had charges from companies I have never heard of and definitely did not authorize. That is why I did not contact the sooner. I dont believe I am getting taken seriously, my dispute was denied in less than a week. That tells me that they did very little to look into these charges to m account. It adds up to XXXX of dollars in reoccurring charges that they really need to address if they want to continue to be the great institution I have enjoyed working with in the past. Please help me to get through to them and have them spend some attention investigating these charges and hopefully have the party responsible reimburse me. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX CXXXXe XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX CXXXXe XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a simple credit freeze with each of the three credit reporting agencies, Experian, XXXX   and XXXX. I want to refinance my home and lock in an exceptional low rate. Locking in an interest rate must happen day of, but they have to also pull your credit report from all three of the credit reporting agencies. 

I called XXXX, spoke with a representative, answered security questions and they lifted the freeze immediately. I called XXXX, and a few clicks of the phone keypad they also lifted the freeze immediately. I went online with Experian to also release the freeze. I input all the required information and my PIN and they required that I mail in my government identification, utility bill and my social security card. How is that secure? I called Experian and tried to speak with a live person, but no luck. I called many, many, many times trying to speak with a representative and it was all in vain. It is absolutely unacceptable that a credit reporting agency, that owns your data, and has such the power over, and affects every single adult person in the United States, does not allow its customers the opportunity to speak with a live human being. I have now lost out on the interest rate, and Experian has caused me financial harm.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments on my account from XX/XX/year> to XX/XX/year>. These payments were inaccurately reported as late due to circumstances directly related to the CARES Act, specifically in regard to financial hardship I faced due to job loss during the XXXX pandemic.They are hurting my credit restricting me to obtain credit. Under the CARES Act, financial institutions are required to offer assistance for those affected by XXXXrelated hardships, including job loss. As I was directly impacted, I requested payment relief and was under the assumption that my account would be protected from negative reporting during this period. Despite these conditions, late payments have been reported to the credit bureaus for the above-mentioned months. I kindly request that you investigate this matter and correct the reported late payments. Please take the necessary steps to ensure my credit report accurately reflects the agreed-upon payment deferral.I expect confirmation of the removal or correction of these late payments within 30 days, as is my right under the Fair Credit Reporting Act ( FCRA ). I also request written confirmation that this correction has been made. 
Thank you for your prompt attention to this matter. If further information is required, please do not hesitate to contact me.