23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I purchased a computer from XXXX online, they accidentally sent two computers, and are trying to charge me for the one I didn't order. As far as I know ( from the ftc website ) it's illegal to charge for goods sent by mistake, especially after receiving them? My bank has been no help and XXXX is trying to handle this like a regular return, saying it's been too long since the purchase to return it, but I only ever bought 1 computer! 

I purchased my computer through XXXX XXXX own website on XX/XX/2021. Initially, the purchase was declined due to fraud protection, but I was contacted by both Chase and XXXX about this and was told my initial purchase didn't go through so I'd have to put it in a second time, and did so as instructed. 

On the evening of XX/XX/2021, two computers arrived at my doorstep ( I had ordered and paid for 1 computer back in XXXX and was awaiting its arrival for some time. Before I had time to do anything about this, I found I was charged an additional {$1000.00} the next morning. I immediately contacted my bank, Chase, and they said they would file a claim for me and reversed the transaction while investigating. I got an email saying they were looking into things, but received no other communications. 

The evening of XX/XX/2021, I suddenly got a notification that my account had been overdrawn by more than {$900.00}. I took a look and the claim was re-reversed, and the charge from XXXX was back. I called Chase immediately but was told to call back when the claims department was open the next morning. 

I'm writing this on XX/XX/2021 because I called Chase to ask to dispute this again, as I still had not received any information or instructions for either keeping or returning the computer. According to the FTC website, it's illegal to charge me for goods I did not order, and no one seems to even care about that law in this case. I got hung up on or was otherwise disconnected from the call. Chase told me they needed additional information and I said I was happy to provide it, but they put me on hold and I kept getting disconnected. Finally I got someone, but they said I'd need to contact XXXX myself and they wouldn't help me at all. I contacted XXXX and they said it's been too long to " return '' the item. I tried explaining that I never ordered the item in the first place, and would be happy to pay a discounted price to keep the computer. He said he could only offer a discount if I was to buy additional items, so I refused. So now, because Chase won't dispute the transaction, I'm almost a XXXX XXXX in the red and XXXX won't recognize what they're doing is illegal either.
Product: Credit card

To Consumer Financial Protection Bureau, XXXX XX/XX/XXXX. XXXX, I applied and was approved for a credit card called The XXXX XXXX XXXX XXXX XXXX XXXX to be used for purchases for my basement finish project. The reason of this application was due the fact that I was directed to apply for this card by a person named XXXX XXXX who was at that time my contractor to finish my basement. 

According to XXXX XXXX, he usually gets very good discounts at XXXX XXXX XXXX for materials and goods if he uses a XXXX XXXX XXXX XXXX ( XXXX ). However, his personal card reached a limit and thus, he suggested me to apply for a XXXX XXXXXXXX XXXX XXXX to be used for some products that will be purchased from XXXX XXXX to finish my basement. 

I and XXXX agreed to charge up to maximum {$4000.00} on my XXXXXXXX XXXX XXXX  only for hardware ( excluding any tools ). Thus, with a good faith I provided my card to XXXX XXXX to make purchases and requested him to return the card back to me once he made the purchases. However, he used my credit card for purchases i.e. tools, kitchen hood, oak tread etc. which are not related to my basement project, and he charged my XXXXXXXX XXXX XXXX for additional {$7400.00} ( making it a total charged amount of {$11000.00} ). 

As soon as I realized that my credit card was compromised by XXXX XXXX, I reported this fraud to XXXX XXXX XXXX XXXX called GreenSky on XX/XX/XXXX. via phone, and via complaint forms on XXXX and XX/XX/XXXX., and the town of XXXX Police Station on XX/XX/XXXX. in person, via e-mail on XX/XX/year>. 

Since XXXX XXXX, I have been trying to explain the situation ( fraud by XXXX XXXX XXXX to different departments of GreenSky i.e. Customer Care, Fraud etc. many times via phone calls and e-mails. However, Greensky refuses to investigate the fraud and holds me responsible for all the purchases made by XXXX XXXX ( made purchases without government issued ID at several XXXX XXXX XXXX ) although I do have receipts of all the purchases which would prove that XXXX XXXX made all the purchases and I have witnesses who would attest my claim. 

Lastly and importantly, I should be only responsible for {$320.00} for this project loan after all the disputes, credits, finance charges, and the first XXXX payments of payment of {$190.00} and XXXX XXXX is responsible for the rest of the remaining amount on the account which is close to {$5000.00} ( as of XX/XX/year> balance is {$5300.00} ). The reason why I am liable for {$320.00} is that it is amount of framing wood, bolts, nuts etc. still in my custody. All the remaining purchases were delivered to XXXX XXXX who resides at XXXX XXXX XXXX. XXXX, XXXX  XXXX which could be clearly seen on Exhibit A. 

I, XXXX XXXX, hereby petition for the authority to investigate this case and contact with GreenSky and/or XXXX XXXX to not to be held responsible for any purchases made by someone else and as deemed just and proper by the Authority. 

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

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a XXXX XXXX XXXX XXXX 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 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. It has been 30 days and you are in XXXX  of this law because I am a XXXX XXXX XXXX XXXX!! Please delete these items as soon as possible! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never applied nor perform services or business with 700 CreditXXXXXXXX XXXX XXXXXXXX there is an inquiry on my credit report dated XXXX. I am asking for a signed copy of the application along with a copy of my drivers license and removal of the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of CONSUMER PORTFOLIO SVC, XXXX XXXX and XXXX we on my report. Number one I ca n't drive because I have XXXX XXXX, so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. 

This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. 
What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. 

Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports. 
Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has reported to XXXX XXXX  and XXXX XXXX that I had 9 hard inquiries in XXXX or this year. I have spent over 6 hours on the phone with them in countries all over the world telling them to stop reporting falsely that I had ANY inquiries in XX/XX/2019. They have removed the information twice and re added the false inquiries twice. They are extremely rude and refuse to hear me out. They repeat over and over we don't do that. They do and they did they dropped my rating because of it and so did XXXX by 54 points. I want them to stop badgering consumers by telling them to stop the inquiries or they wont get their credit fixed.
Product: Debt collection

I RECEIVED A LETTER ABOUT FROM JAVITCH BLOCK LLC, ABOUT A ACCOUNT I DO NOT RECOGNIZE XXXX XXXX XXXX BANK. I HAVE NEVER DONE BUSINESS WITH JAVITCH BLOCK LLC AND I DONT RECALL HAVING ANY ACCOUNT OR LINE OF CREDIT WITH THEM. THIS IS A FRAUDULENT ACCOUNT THAT I HAVE REPORTED TO XXXX POLICE DEPT. AND CFPB Case No. XXXX   XXXX XXXX XXXX The account is a violation of 1319.12 O.R.C Taking Assignment of Debt.The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. I need this fraudulent account deleted asap.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I ordered a pair of clippers from Walmart using the Walmart credit card by Capital One. This was last XXXX. I never received the item. Walmart sold the clippers through a third party which was not clearly stated at the time of purchase. I have not received the purchase. The merchant is unresponsive to my requests. Capital One initially provided me a credit from a dispute and on XX/XX/XXXX reversed the credit without explanation. I have attempted to contact the card issuer on multiple occasions and have been met with up to two hours of wait time. This is simply unacceptable. I want my purchase or the credit to my account.
Product: Credit card or prepaid card

I recently applied for a Bank of America Secured Credit Card and was turned down. The website said this card was geared toward those with poor and fair credit, I applied for this card and was prepared to make the required deposit for this card 's security deposit, but was denied. When I called in reference to why I was denied for this secured card that I would have to pay money to them for, the representative that I spoke with was highly rude and told me that if I had paid my bills like regular people, I could have been approved. This person doesn't know my circumstances and had the audacity to say such things to me. When I requested to speak with a manager in regards to this matter, the call was disconnected.
Product: Checking or savings account

Hello, I was scammed on XX/XX/24 when I received a text message from Chime, my banking company, asking if I attempted a {$400.00} purchase from XXXX and to respond yes or no. I responded with a No. I then got a text right back that a representative will contact me shortly. 

A call came in, from someone that I thought was a rep from Chime. He new my name, my phone number, who I bank with, etc. Please note I have had numerous fraudulent charges on my Chime card in the past, of which I have had to dispute. At one point someone in XXXX Florida was using my card. 

The rep stated the charge was attempted in XXXX Florida. With that info, I was convinced this was a Chime rep. How could he know I previously had my account compromised by someone in XXXX Florida? 

Because my account had been compromised numerous times previously, I understood why they wanted to open a new account for me, which is what this person was telling me. 

I agreed. He gave me instructions on where to go on the app to complete the process and then my {$4900.00} was gone and the call abruptly ended. I called Chime back ( or so I thought ) and was told that I was a victim of a scam. I filed a dispute, which was denied. 

I also filed a police report on XX/XX/24. I called Chime today to dispute their denial. I gave them the police report # and the dispute is being re-opened. But have little hope of getting my money back. 

I am filing this complaint for a couple reasons ; 1. I want my money back 2. I feel that Chime is either in on these scams, or are not secure enough for my info to be protected. This guy new my info!

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

I am disappointed to discover that Experian did not amend my credit record or totally remove the fraudulent items. In my most recent correspondence with the credit bureaus, I demanded that they produce evidence supporting their assertions that the accounts I am contesting actually belonged to me. Experian still hadn't sent me any proper proof. I find it aggravating that the credit bureaus have refused my requests, violated section 605b of the Fair Credit Reporting Act, and have continued to record the disputed accounts without the necessary justification. Let me remind the credit bureaus that they are required by FCRA section 605b to delete any items and information that were obtained as a consequence of identity theft and were listed on an ID THEFT REPORT. I'm inclined to file a lawsuit against the credit bureaus to compel them to update my credit report. I'm hoping that by filing this complaint with the CFPB, the credit bureaus would act right away and entirely delete the disputed accounts from my credit report. The following elements need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

i have XXXX items on my credit report from LVNV funding and i have no idea what they are for including multiple hard inquires from different places they have not sent me any info or debt validation of any sort i would like these removed if the debt can not be validated please
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification for 2 Hard Inquiries that are dated to XX/XX/23. One is XXXX and the other is Capital One. Neither Hard Inquiry was authorized by me.
Product: Checking or savings account

I was never notified that I was a part of the class action law suit and I know I should be a part of it. I had an acccount in that time frame.
Product: Checking or savings account

I have closed my account because of fraud reasons. However, I have returned items to the merchant for a refund because of items I never needed when my bank account was already closed and have never received anything in the mail since then. I have called many times my banks customer service line only to be told that a merchants refund sent to a closed bank account will not go through and therefore still have not receive any remaining credits as a check. Other than that, I have been contacting my bank whenever I can but still haven't had a refund going through as a remaining credit and being sent a check in the mail for remaining credits I have on my closed bank account.
Product: Credit reporting or other personal consumer reports

experian bombards you with interruptions to do their free trial.. once u sign u and dont pay thej XXXX dollars a month for stuff that should be free. you try to sign into ur account, .., it takes you to a payment page. there isnt even an optiohn to cancel its pay or no account access furthermore there are items on my report that i have been challanging and they refuse to take a look at.. i was a Victim of disasters.. hurricane in florida.. i was also a victim of experian data breach.. XXXX XXXX and several others and i am challanging authenticity of all accounts during that time as i do not regularly use credit as my file will show you. i need all negative outsanding items removed as per applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ Experian/ XXXX, Were all notified in XXXX of my dispute with a particular collection account reporting on my credit file and did not provide me with physical proof this account belong to me or if its accurate ... 
As Law Requires by, FCRA. 

All bureaus just stated verified in monthly report. 

Finally, XXXX XXXX Removed this Collection but as of XX/XX/XXXX XXXX   has indicated the account has begin to report to XXXX once again after being removed. 

Neither bureau has giving me method of verification as requested in XXXX which is my concern as I continue to address this matter nineteen months later. 

How was this account verified in XXXX?
Product: Credit card or prepaid card

I was a with EXETER FINANCE customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit card or prepaid card

Company won't resolve claim which the merchant said the credit card processor wont refund the transaction and holding my money. 

im ID : XXXX Claim amount : {$1900.00} Initiation date : XX/XX/2020 Transaction Date : XX/XX/2020 Transaction Ref. # : XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$130000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$130000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

This is totally unacceptable Chime! I woke up to check my Chime bank account on the XXXX of XX/XX/2024 and I noticed my balance was way below than what I had. I then noticed XXXX fraudulent transactions that were posted. Someone had initiated a transfer to the bank called XXXX. I have absolutely no idea what that even is and someone made XXXX transfers of {$700.00} and {$860.00}. Also, somehow the account has been linked to mine for some reason and now it says I cant pull funds from this account. Coincidence? I think not. I submitted a dispute and they rejected it twice. Now I am XXXX down the hole in money and Im afraid I wont be able to make payments to my credit card companies and it is money that I need! Im going through a financial crisis, as well as anxiety because of this. Also when I called and told them that my account is compromised they didnt even attempt to close my account or send me a new card, the best they said was Submit a letter on what happened as supporting documentation, which I did and which still provided a denial of my dispute.