23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a request was submitted to my credit card issuer, XXXX XXXX XXXX XXXX, to remove an authorized user from my account. This was confirmed complete on XX/XX/XXXX. The authorized user that was to have been removed mentioned in XX/XX/XXXX that the information was still being reported on their credit report. I again reached out to the issuing bank who once again confirmed that the authorized user had been removed. In XX/XX/XXXX, the authorized user advised of their knowledge of a credit line increase that I had received on said account, which again confirmed that my information was still being reported to the credit bureaus on this person 's behalf. I contacted the issuing bank again on XX/XX/XXXX and again was advised that the authorized user was removed and it was suggested that the bank and I " double-team '' the credit bureaus to have this information updated. I was able to successfully file disputes with XXXX and XXXX, however Transunion refused to do so advising that the authorized user would have to file a dispute to have the account removed from their report. 
This person is not going to dispute the account to have it removed from their report as it is positively impacting them. I do not have a relationship with this individual and do not want them having updates on my personal account information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

There is an unrecognizable XXXX XXXX XXXX  collection on my credit report dates XXXX XXXX with a balance of {$340.00} which is due to fraudulent activity. I am disputing this item and requesting it be removed immediately as it is not verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Social Security was ringing without my cas and I would like to report these 16 heart increase thats on my account that I didnt know anything about, I reached out an your customer service will not help me take care of the negative inquiries reporting to my credit. 

XXXXXXXX XXXX  XXXX XXXX. Innovateloan XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I would please like for these 16 hard inquiries to be removed please.
Product: Debt collection

I had credit card fraud. You fit called abt my payment. I told the girl i wanted to cancel bc 1. They are taking more money then contracted for without my auth 2. They changed gym. I had abt 4 more ppl call. I told them all same. 5. They all said ok. They all had obligation to advise me if it needed to be in writing. Despite that they all said ok. They turned over to collections. Not only did i advise that gym breached contract by charging me almost {$13.00} when my contract was for 10, they can not use a contract they voided by not complying but they also had an obligation to advise me they needed in writing rather than agree to the cancellation by saying ok. Further they owed me almost XXXX $ a month for i believe XXXX or 4 years. The belligerent collector than sends me a copy of an unsigned/undated contract, which has no mention of the what the monthly monetary amts are, and very different from the signed contract i found in my files. They are all committing fraud in an attempt to collect on monies that are not due.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I visited XXXX XXXX in XXXX Tennessee to purchase a XXXX XXXX XXXX. Yet the so called XXXX holder is located in XXXX XXXX, Texas name Toyota Motor Credit Corporation. This company was not present at XXXX XXXX where the so called debt was originated. When mortgages or so called debts exchange hands, employees at the second, third company or fourth company must send the customer/investor written consent to put their mortgage or any kind of so called debt on consumer reports ( also known as credit reports ). These so called debt collection companies can not report on any kind debt on consumer reports ( also known as credit reports ) without written consent from someone like myself. If a so called debt was originated off my own equity but the debt was sold before I made the first payment, the company where employees bought that debt and who I'm making payments too must have my consent because I have no contract with that other company ( XXXX ). If I purchased my debts but the debt was sold before I made the first payment, the company where employees bought that debt and who I'm making payments too must have my consent because I have no contract with that company. The contract exists with the person that originated the so called debt. So if I go to buy a car, I sign with one company. Before I make my first payment that company then sells the debt to another company. By federal law that second company can not put that so called debt on my credit report without employees sending me a written consent to do so. The fair credit reporting act section 605 ( b ) states that persons need written consent to put a debt or to report to consumer reporting agencies ( known as credit bureaus ) with any outstanding debt if that company is not the original company that originated the debt. 

Also a debt validation notice was sent out on XX/XX/XXXX to this address putting employees on notice at : Toyota Financial Services XXXX XXXX XXXX Mail Drop XXXX XXXX, Texas XXXX XXXX company name where someone reported to the consumer reporting agencies is XXXX XXXX XXXX XXXX
Product: Credit card

Dear XXXX, I am writing to file a complaint regarding Chase Bank 's deliberate inaction and the prolonged XXXX phone application process to address a dispute. 

Today, I contacted Chase Bank by phone to initiate a dispute. This dispute arose because, after receiving an item, I found that it did not justify its price. Consequently, I requested the seller to provide a free return label for a refund, as per their " Free Return '' policy for after-sales service. However, the seller and XXXX failed to honor this policy and only provided an address, requiring me to cover the return shipping costs. As a result, I sought my bank 's assistance to take action against this dishonest seller and XXXX. 

Reference Number : XXXX ( optional ) : XXXX I spent over XXXX minutes on the phone, and the application process was not completed. It appeared that the bank intentionally prolonged the process, and in the end, they even pretended to disconnect the call without offering a callback. 

I find this unprofessional behavior on the part of Chase Bank to be a dereliction of duty. 

I sincerely hope that this matter will be taken seriously. 

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

I have been disputing an account this is impacting my credit score because Equifax and XXXX are reporting incorrectly. I have sent them 4 letters, XXXX, XXXX, XXXX, and XXXX of 2021. I have yet to receive a response. 
This account was settled and paid and both XXXX  and Equifax are still reporting it derogatory, which is an FCRA violation There are many conflicting reporting errors, they have not verified this account at all.
Product: Debt collection

A representative from Westlake Financial called my place of employment without permission and disclosed my name and that they were attempting to collect a debt on XX/XX/year> at XXXX. 
When I asked why they were calling my job and that they did NOT have permission to do so and that were crossing a major boundary - the representative still continued with her script and repeated herself a couple times before hanging up. 
Previous to this during the time range of XXXX XXXX XXXX I was receiving 12+ calls a day from both live representatives and auto calls. On XXXX XXXX I called the Westlake customer service line and specifically asked that I not be called, especially repeatedly unless to let me know about the status of the vehicle and to discuss the total amount of the reposession. I expressed then that I felt like the phone calls were harassing and excessive. 
Westlake called my employer on XX/XX/year> at XXXX. Westlake has continued to contact me via my telephone as well. 
A letter for a cease and desist was mailed on XX/XX/year>. As well as a letter of violation for calling my employer. 

Furthermore - The vehicle in question is currently at auction and was voluntarily repossessed XX/XX/year> as scheduled 2

weeks before hand. Westlake Financial has added another months bill despite receiving the letter of intent and not being in possession of the vehicle, repo fees ( understandable ) and other undisclosed charges ( This is where I asked for proof of this debt. ) as if its an active account when the vehicle is in their possession. Representatives can not tell me why the amount on their online portal went from {$560.00} to {$1200.00}. I have requested proof of any and all charges made to the account and have received nothing.
Product: Credit reporting

The credit reporting agency Equifax is reporting XXXX on my credit report. This is not my account also they refused to give me info on who they spoke to about my account and how they verified my account.
Product: Credit card

This issue is with Best Buy Case # doc id XXXX. 
On XX/XX/year>, a paymt of {$2300.00}, was accepted by Best Buy XXXX, XXXX. 
It was reflected on my XX/XX/XXXX acct statement. However, a ghost charge of {$2000.00} appeared on the same statement as a transaction. XXXX XXXX XXXX validated that No purchase or transaction had occurred. Therefore should Never had existed. 
Ive contacted customer service for Best Buy and Citibank each pointing the finger at the other. Ive generated multiple disputes with No valid resolution. Ive requested to speak to Research/Investigation Team Members, but have been denied any correspondence in hopes to resolving this issue.
Product: Credit card or prepaid card

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$5100.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Product: Credit card

On XXXX XXXX, XXXX I received a letter from Macy 's credit card saying that I had a past due bill. I always make on-time payments and so was surprised to get this notice. I had not received a bill from them. I have always received e-bills in the past and have not changed my email address. I followed the usual procedure that I have in the past to access bills online but was unable to access a bill. 

On XXXX XXXX, XXXX I called the number on the letter and was told I owed {$300.00} for charges made on XXXX XXXX, XXXX. This included {$160.00} in charges for merchandise purchased and the remainder in late fees and interest charges. I paid the {$160.00} immediately and asked that the late fees and interest be refunded since I had not received a bill for the {$160.00} in charges or instructions for how to make a payment. I was told that they could refund {$74.00} in late fees now but that I would have to call back in 3-5 days to have the additional {$64.00} in late fees and {$7.00} in interest refunded. I will do so but have a number of concerns : 1. It was never explained to me why I did n't receive a bill when I have received e-bills in the past, and as I said above, I have not changed my email address. I 'm concerned that other people may be similarly affected by this. 
2. I 'm concerned that there may be negative information listed on my credit report as a result of this incident and would like to be assured that all negative information will be removed since I should not be held responsible for any late payments because I never received a bill. 
3. I also want to be assured that all fees and interest will be refunded to me.
Product: Debt collection

CB Merchants of XXXX XXXX California was contacted by XXXX XXXX, me, to ask about an " advertising '' debt that I wanted to pay. It was at this time that they said I had a debt with XXXX. I was surprised to find out that the account had been there since XX/XX/XXXX. I was not aware of the account. They never contacted me prior " me calling them. '' They also have an ex-wife 's name on the account who has not been associated in anyway with me financially sine XX/XX/XXXX. They were rude and have not provided me with an accounting. XXXX has not provided me with an accounting either even though I made payments to them and provided them with amounts, dates and check numbers. This is extortion.
Product: Debt collection

Consumer Adj. Co. reported a debt on my credit report without informing me of the debt. I did not received an initial notice giving me the option to dispute the debt. I requested verification of the debt as well as assignment or bill of sale and I did not received anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this letter is to inform you that my identity has been compromised and that the following items do not belong to me. I have file necessary paperwork and ask that you please remove the following accounts from my credit file. 
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 XXXXt- 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
Product: Credit card

I am trying to cancel my Citi XXXX credit card with Citi and it is proving very difficult. I was put into a queue and waited on hold for 21 minutes. I was told that there are few account specialists available and a long queue for me to speak with XXXX, and I am required to speak with an account specialist to close my account. I find this to be an unacceptable level of delay and difficulty in what should be a straight forward and simple task. I suspect that Citi is intentially making the process difficult in order to prevent me from cancelling, something that I have experienced in the past with other credit card companies also. Finally, someone came on the line and told me the company was having system issues and I needed to call back the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting inaccurate information. I sent a letter on XX/XX/22 about an inaccuracy on my credit report. There is a collection that was paid off, but XXXX is reporting it even though there's an agreement with the original creditor to delete once paid. The account they are reporting is also a violation of XXXX. Unauthorized inquiries are being reported by all XXXX credit bureaus. Please delete the inaccurate account and unauthorized inquiries. The letters that were mailed are attached listing the items to remove. The collection account to remove is XXXX XXXX XXXX XXXX the account number is XXXX. Please reference the attachments for the unauthorized inquiries.
Product: Mortgage

Received first delinquent tax notice from township. Date of Notice XX/XX/XXXX Taxes were due to be paid out of escrow on XX/XX/XXXX. 
A portion of our mortgage payment to Mr. Cooper mortgage is put into escrow acct. each month to cover property taxes and insurance. The amount put into escrow each month is {$590.00}. 
We now have a total as of XX/XX/XXXX of {$3100.00}. The initial amount for property taxes due was {$1100.00} for the quarter. There was an ample amount in escrow to pay property taxes by the initial due date of XX/XX/XXXX. We have since then accrued interest on unpaid taxes making the amount with interest {$1100.00}. Not sure if there are any late fees attached to unpaid taxes. We reached out to our mortgage company on XX/XX/XXXX and explained situation. We were told initially that our taxes weren't set up to be escrowed but after looking into it further the person we spoke to realized that they were being escrowed and that the way it was put in when acct. was sold to them was causing the problem. They told us that they were making notes on acct and sending to their tax dept. and that it would be resolved. They also asked for us to send copy of delinquent tax bill to them which we did on XX/XX/XXXX. It was emailed and faxed. Since then we have talked to numerous people and supervisors and are being told that they are still reviewing situation and they will contact us when taxes are paid. Today is XX/XX/XXXX and nothing has been paid. We also called township and told them of situation and they told us to keep on them and make sure it is paid by XXXX. Like I said as of today taxes have not been paid.
Product: Debt collection

I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX and finally received copies of statements from LVNV after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$830.00}, I requested LNVN to provide details on how the alleged amount of {$1000.00} was calculated, LVNV has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, 2010 U.S. Dist. XXXX XXXX ( XXXX XXXX, 2010 ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the LVNV is not authorized to collect interest unless it is authorized, I request LVNV to provide a contract from original creditor stating that LVNV is authorized to collect interest on this account. As per evidence presented above LVNV has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file.
Product: Mortgage

I recently short sold my primary residence in a short sale on XX/XX/2018. The first mortgage was a full payoff, the second, with PNC Bank was a short sale and they settled for {$77000.00} per their attached short sale approval letter. The letter clearly states that the debt of {$34000.00} was to be forgiven. Now after almost 3 months, they have still not recorded the satisfaction and have taken the past due out of my checking account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act Convergent XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

XX/XX/XXXX purchased vanilla gift card, loaded XXXX cash on card, for my teenager to use while I was on vacation. 
XX/XX/XXXX discovered card had XXXX of XXXX numbers, card will not work. 
XX/XX/XXXX called XXXX, on hold over XXXX min total, was hung up on XXXX. 
XX/XX/XXXX returned from vacation XX/XX/XXXX called 3 times, finally spoke w/someone. Emailed copy of card and receipts. Told they would mail new card. 
XX/XX/XXXX follow up call, told they are still investigating, will have decision on XX/XX/XXXX XX/XX/XXXX follow up call, asked personal info, told still investigating. I questioned why, when proof of cash purchase and faulty card was provided. Internal investigation needed, and customer compensation.
Product: Money transfer, virtual currency, or money service

My friend sent money via Chime pay friends feature. {$1900.00} intended for me. He was asked to enter in reciepient email. He correctly entered mine in. My name shows up, it's the only one that shows up. He clicked it sent the money. Notified me. It is supposed to be instantaneous and didn't come. After an hour we both contacted chime individually and came to the conclusion we need to contact them together. On a three-way phone call we contacted chime and told them what had happened. They were trying to tell him that he made mistake picking a different person but he put my email address in and only my name first and last showed up as the option to send to. There's no other person on that app that has my email address associated with their account. This was verified by chime. There is an error somewhere in there programming that sent it to a different person with my name. We made a request to that person to send back the money. But that's unlikely and that's the help that chime offered to us at this point. They said they would escalate the issue but since they're not a bank, stay there financial transferring app yet have Bank savings and spending accounts and can do credit reporting. But remove themselves from all liability with any issue that happens within the app. They don't have any way to transfer the money back or request it back or force it back to the sender so I can rightfully get my money. It seems this is a common problem with chime where they are taking money or they don't ever fix errors especially ones on their part. Such as in this case. I feel really frustrated I need the money and I feel lost in the situation. The money went to a username $ XXXX. Beginning to a XXXX XXXX I am a different username, but those usernames don't show up as the option to choose from when picking the recipient. It was my email address that automatically popped up my full name. My name showed up I'm XXXX XXXX XXXX has no other XXXX XXXX in his contacts on the phone or friend groups on chime. It's on time to fix this error but they won't. XXXX from his phone of the account that he sent it to as it stated my full name and the amount.