23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase is refusing to help me file a dispute for a charge on services I didn't get from XXXX different merchants. 

The first merchant was XXXX for {$89.00} and the second merchant ( the one in question now ) is with XXXX XXXX ( XXXX ) for {$210.00}. 

XXXX has ignored my request for a refund when they didn't provide me with any service and pretty much just defrauded me, and chase bank is assisting in their scam against me.
Product: Credit card

I received this text on XX/XX/year> from XXXX : Thanks for giving Capital One your mobile number. You may get texts with important info about your account from XXXX or XXXX. 

You also now have access to XXXX, your Capital One assistant. You can talk to XXXX by sending a text to XXXX. 

Reply HELP for more info. Reply STOP if you don't want to receive text messages from Capital One. Msg frequency varies. Msg & data rates may apply.

I didnt respond as I thought it was spam. Then I received this text on XX/XX/year> : Hi, your new XXXX Credit Card has shipped and should arrive by XX/XX/XXXX. Track your card 's shipment in the Capital One Mobile app https : //capital.one/XXXX  And I didnt respond, however, my mom received a XXXX credit card at her address a few days later. The card was originally sent to an address my parents FORMERLY lived, but I personally have never lived there. 

Today, XX/XX/year>, I called Capitol One support, XXXX ( XXXX ) XXXX, and spoke on the phone with XXXX, who said his ID is XXXX. 

He asked for my last 4 digits of my social security number. I declined to provide this and initially he said he couldnt help me if I did not provide it. I still declined and eventually he helped me. I did provide him with the last four digits on the account that was created, XXXX. 

He said the account was created XX/XX/year>. I shared I was working at that time and did not create an account and wanted my account cancelled/closed. 

He said Capitol One was going to investigate and I would receive word back from the address associated in 60-90 days. He said if I had any questions throughout the process I could call XXXX XXXX XXXX. 

He was very confusing over the phone as he also said that anyone would have access to the account if they wanted, I reiterated I wanted the account/card cancelled. 

I do not feel good about any of it and would love support.
Product: Debt collection

A collection for Transworld Systems was placed on my account. I requested for a pay to delete as it is effecting my overall credit score. I intend to apply for a home loan, and this collections account is effecting my score negatively. I have contacted the company on several occassions, and they state they can not delete the debt off of my account.

Please see information as follows : Transworld Systems with a balance of {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SUN LOANS can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SUN LOANS reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Checking or savings account

Bank of America and XXXX XXXX have closed my checking accounts. 
They say because of XXXX  transactions. I know is because of XXXX. And they are investigating why. They will not tell me details. 
But i already know the reason why. This is a fraud situation and someone used my account and a complaint was made for a transaction to be returned through XXXX. How can i return the money when it was not my money but the fraudulent persons? He was using my account. All i want is a new bank account and this off my record. 
The man has admitted he was using my accounts as an identity theft situation. I have proof of this. Because of my accounts being closed it is ruining my way of life. I need a bank account of my own to survive and no one is telling me if im able to open one again. I already reported this to the police. 

This hacker was in XXXX. XXXX showed me the access he had and I deleted it all. He was pretending to be my friend and it was all fake.
Product: Debt collection

Yes, on XXXX i purchased a house, that same day i provided the managment with a verbal and 30 day written notice that i would be moving out of the apartments. On XXXX i gave managment {$540.00} ( the amount of monthly rent ). On XXXX i was moved out and turned over the mail box keys and apartment keys since i was moved out befor the due date ( the XXXX of every month ) managment gave my {$540.00} check back. Now a creditor is saying i owe for the whole month of XXXX. This is not true i was out befor due date and there managment gave me my check back. Thank you for your time XXXX XXXX.
Product: Mortgage

I filed a prior complaint with this mortgage company. Complaint # XXXX. And they did not address the issues that I specifically asked to be addressed. 


I know that the decree was not sufficient to remove me from the debt that is why I attended several of the foreclosure mediations as stated in my complaint. And filed to have me removed from the foreclosure matter. At which time I was removed by the Judge and their own attorneys office. None of which is stated in the letter they filed as their final findings even though a letter from their own attorneys office was provided to them stating I was withdrawn from the foreclosure and I was not a party to it and had no liability. None of this is in their final letter. 


Furthermore my credit report shows that they are showing that I am still late on a mortgage that no longer exists which is ruining my credit further. How can you say a person is 120 days late on a mortgage that was foreclosed on 2 years ago? You are ruining my credit. 

I was not a party to the foreclosure therefore the word " foreclosure '' should not be on my credit report and furthermore you should stop marking me late on a mortgage that no longer exists. 

This is absolutely insane and needs to stop. I want this cleared up immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I WOULD LIKE THE FOLLOWING FRAUD ACCOUNTS TO BE DELETE FROM MY CREDIT REPORT ASAP. SEE ATTACHMENT DOCS. 

PLEASE DELETE XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ITS SHOWIN LATES PLEASE AJUST THEM TO N/A-PAID FOR ACCOUNT XXXX XXXX FOR MONTHS XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not Reporting my Credit Limit, Credit Limit is {$4400.00}, XXXX is Reporting XXXX as my Credit Limit for which isnt True
Product: Checking or savings account

Hello, I've opened my Merrill Lynch Self Directed Cash Management Account like XXXX months ago, deposited a large sum ( about $ XXXX ) via check which successfully cleared and money were available for trade/withdrawal. 

I bought some amount of shares pricing approx. $ XXXX. Made one wire transfer of $ XXXX, which was successfully processed and received by receiving party. 

After some time, I've summited another wire transfer of $ XXXX to the same party and i got a voicemail ( i was on my vacation ) to contact them because they need some additional information. 

The next day I contacted them and successfully confirmed a transfer. After a day or two i checked and it was not processed yet. Contacted them again and resubmitted it again and was told that it will be processed in 24-48 hours. Some time later ( about a 2 weeks ago ), after logging in, I saw a small mark <Blocked> under my account and that I need to contact them for assistance. 

Contacted them and was told that my account is under review and there is no way to contact the investigation team, because they are available outside and that everything i can do is to wait a day or two. After two days i was not contacted and i called again and was given the same info. I made about XXXX calls averaging XXXX minutes each from that time and several chat sessions, as my account access was still active and was given the same info every time. 

Last Friday, i was not able to log into my account, the system said account access is blocked. I contacted them again and i after some time a representative called someone as i think and was told that my account is closed. I was trying to ask some additional questions about how and when i will receive my funds back, but the person hanged up. I called again and told the history about my account closure and was told that my account is still under review, not closed and that is will be contacted that day ( Fri XX/XX/XXXX or Monday XX/XX/XXXX ), but i was not. 

I've tried all telephone number available, but noone can say any timeframes for this review or any additional information, because there is no information available ( no notes on my profile ), their XXXX didn't respond ( it is 3 or 4 days as of now ), BofA XXXX account told that they do not have access to ML profiles and gave me the phone number I called before. 

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

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 3 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of.

You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis, XXXX and XXXX are not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates. They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). These agencies have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Checking or savings account

I applied for a Checking account with Vystar Credit Union XX/XX/2023 and was denied. In the letter it states that their decision was based in whole or in part on information obtained in a report from the consumer reporting agency, but also states the reporting agency played no part in their decision and is unable to supply specific reasons why they have denied my request to open a deposit account in their institution. 
Pursuant to 15 usc 1692e- The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Which in this letter, Vystar Credit Union is being very misleading once they obtained information on my consumer report.

Pursuant to 15 usc 1681 ( a ) ( 1 ) - The bank is dependent upon my consumer report being fair and accurate.

Pursuant to 15 usc 1602 ( l ) - The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit I used my social security card which falls under the term " credit card '' and I have received no benefit which is fraudulent activity.

I put an application in in good faith but an account was not issued.
Product: Credit card or prepaid card

I started a dispute case with Discover on XX/XX/XXXX, regarding XXXX refusing to issue a refund for my returned package. The case lasted until XX/XX/XXXX, Discover ruled in favor of the merchant despite I provided all the supporting documents showing the return package has been delivered back to the merchant. I uploaded another piece of documents, showing XXXX promise me a refund if I cancel the dispute. Since the dispute has already been made in favor of the merchant, Discover is not willing to help reopen the case. I spent XXXX months going back and forth with the merchant XXXX and my card issuer Discover, but Discover seems like not supporting their customers.
Product: Credit reporting or other personal consumer reports

I am following up on my recent credit dispute and re-submitting my FTC report # XXXX for your attention. I am requesting assistance with the removal of the remaining inquiries on my Experian and XXXX credit reports. The specific inquiries I am asking to be removed are as follows : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Additionally, I would appreciate an updated copy of my credit report, reflecting the removal of these inquiries, to be sent to the address I have provided.
Product: Debt collection

Today, XX/XX/2023 a distant family member contacted me to inform me that fifth third bank called to speak to me. This family member was at work and I do not have communications with often. We were both shocked because this distant family member is not listened on any of my information. This company also did not even call me. How are they reaching out to distant family member but never reached out to me? I feel so violated because they shared my personal information with a random person that I do not even have a relationship with.
Product: Credit card

XX/XX/year> For the largest American bank, their website, chase.com for credit card, makes payments almost virtually impossible. The website pushes you towards making an autopayment using one 's bank account but not a onetime payment of any dollar value. When reached Chase 's customer service, they had no clue and asked me to get in touch with Chase website tech service. I would have thought, the bank would make their website intuitive, easy to navigate, and convenient for customers to make payments to them. Instead of pushing customers to make autopayment, I would think Chase would have welcome a onetime payment of any dollar value and not push customer to link their bank account to pay automatically.

Chase can learn a lesson or two from XXXX XXXX. It is a breeze to make a payment on their websiteXXXX XXXX
Product: Debt collection

Company suing me, but I was NOT properly served by anyone. 

I found out about the case because I was receiving random letters in the mail from attorneys offering to help with the case. 

I've called the local courthouse to confirm everything.
Product: Checking or savings account

I received a checking statement on XX/XX/2022 from Wells Fargo. I immediately contacted them to advise that I never opened this account, I wanted it closed and I needed to report as identity theft. I spoke with XXXX and she advised she had taken care of everything. In XXXX I received another statement, I contacted Wells Fargo again and stated I wanted the account closed as this was identity theft. I received another statement in XXXX, called and spoke with XXXX she advised the account was closed and it had been reported to their theft department. I received another statement at the end of XXXX, account is not closed it is still open. Today I spoke with XXXX in the fraud department. I was advised that the account was closed and they were about to mail a resolution letter. I am unclear how I can continue to receive statements on a closed account that was reported as fraud. Wells Fargo was citied for doing this practice a few years ago. I never contacted them to open a checking account and they seem to not want to close the account and bring this to a resolution. I need help.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy, accuracy and confidentiality under 15 USC 1681 and 15 USC 1692 ( c ). I am refusing to pay any collection debt and I do not want any of the merchants contacting me. 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 XXXXXXXX, this is on my XXXX credit as of XX/XX/2025. 
These companies all provide inaccurate and incorrect information. As of 15USC1692 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two ( 2 ) applications for credit fraudulently using my name were submitted to TransUnion by : 1 ) XXXX XXXX and 2 ) XXXX XXXX during XX/XX/2019. The person committing the fraud used a 10 year old previous address. I was called by XXXX XXXX as they were suspicious of the old address. I confirmed I did not apply for credit with XXXX XXXX and XXXX XXXX. They told me they would : 1 ) cancel both credit applications, and 2 ) advise TransUnion to remove the inquiries from my Credit Report. I wrote to both TransUnion and XXXX XXXXXXXX formally requesting removal of the hard inquiries twice. They have NOT removed the fraudulent hard credit inquiries.