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

I was victimized by a moving company who charged my XXXX from Barclay Bank for {$8200.00} which was never authorized by me or my wife. I timely reported this fraud/dispute. Barclay then granted my dispute, then denied it and lastly denied it claiming I had not timely filed it. The allegation that my claim was not timely filed is false. I filed over the phone within minutes of discovering the fraud and in writing within 60 days. I would like the charge to be put back on my account plus interest and any other relief. Barclay 's advertises that fraudulent charges will not be paid. Plus, I informed them not to pay it BEFORE, they actually paid it.
Product: Credit reporting or other personal consumer reports

This is to express my deep frustration and concern to follow up regarding the ongoing presence of late closed and charged off accounts despite our repeated attempts to rectify this issue. 

I urge you to conduct a thorough review of our procedures and systems to identify any systemic weaknesses or gaps that may be contributing to the persistence of these adverse records. It is essential that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by these adverse records. Transparent and timely communication regarding the steps being taken to address their concerns is crucial in restoring trust and confidence in our organization. With this, I am asking for your assistance to remove these accounts in my credit file : 1. DEPTEXXXX XXXXXXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. DEPTEDXXXX XXXX* Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
3. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
4. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
5. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
6. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 
7. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
8. XXXX XXXX Balance Owed : {$200.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and delete with lawful accuracy.
Product: Debt collection

I was contacted by this company about a private student loan by Citizen Bank. I expressed to the rep this loan is since XXXX, was discharged in bankruptcy. The rep was rude try to explain private student loans are not dischargeable I explained to her it was they had opportunity to dispute debt. 

She told me to talk to my attorney and he would explain it is not dischargeable. I explained to her private loans were dischargeable in XXXX when I filed and they had till XX/XX/XXXX to dispute. 

I told her I would be filing a complaint she was rude, dismissive and attempted to get my cell and mailing address. Did not request copies of filing or the discharge.
Product: Debt collection

( Below is the last correspondence I sent to IQ data, that explains the nature of my complaint ) This Letter shall serve as formal notice of my Intent to file a lawsuit against IQ data, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response merely contained verification of the debt and had no contractual agreements and original term agreements I had requested. Thereby this account was not validated. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ XXXXXXXXIf you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within 2 weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX City, State & Zip : XXXX, IL XXXX XXXX : XX/XX/XXXX XXXX Sec. # : XXXX Date : XX/XX/XXXX RE : Dispute of Inaccurate Bankruptcy Record To Whom It XXXX Concern : I am writing to formally dispute an inaccurate/incorrect entry on my credit report. I noticed that a bankruptcy listing, which is reported on my credit file, is inaccurate. The information in question is : Account/Case Number : XXXX Date of Bankruptcy : XX/XX/XXXX Account/Case Number : XXXX Date of Bankruptcy : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I request that you investigate this matter, as I believe this bankruptcy is inaccurate/incorrect. Please provide all necessary documentation to verify the bankruptcy like to request that, under Section 611, the inaccurate entry be removed or corrected if the investigation does not prove its accuracy.

Please verify and remove them from my file and send me an updated credit report reflecting the accurate information. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and XXXX XXXX XXXX and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX. It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my Experian. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the XXXX ( XXXX XXXX XXXXXXXX XXXX  ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and Experian are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed JPMCB and XXXX XXXX XXXX were showing incorrect accounts that were my ex-husband 's. I contacted them over and over and over again. Writing down names and times. Each time, they said that they were taking care of the issue. I even sent a notarized report they asked me to fill out. That was on XX/XX/XXXX. I received a letter reading that the matter was settled on XX/XX/XXXX. I still called because I could see that it was still on my report. I needed to go to Grad school to get a job, but couldn't do that without financial aid, which I could not get because of this. Thus, I would call again and again, the last time being told that on XX/XX/XXXX they had told the three credit reporting agencies to remove the account. But each time, they also put a caveat that I must fax in the credit report ( current - not past 60 days ) and then they would remove the problem again by contacting all the agencies. Or I could have the agencies contact them. I did both. And the credit agencies, when I followed up, all stated that they had called that company, but had not received the information requested. I finally gave up at the end of XXXX for school. I figured that the 7 year law would kick in and they would HAVE to follow the law. Still I called and went through all the loops all the way until today. Today I received a denial for my student loan because of this. Thus, I contacted all of the above again. Again I was given the same information, " Oh! It should have been removed. You can fax or mail your most current credit report, not past 60 days ), then we will make sure it's removed. Or you can have the credit agencies call us. '' When I asked them how long this would take, I was told 30-60 days on their end and probably the same for the credit reporting agencies. I stated that was too late. So I called the XXXX financial aid office to explain, but they said they don't have anything to do with it as these are federal loans. I will re-fax and send certified mail as I have in the past and then call. But now, it's past the 7 years, how can they still hold me hostage on the three credit reporting agencies. Now I know why I couldn't receive credit to purchase a car I desperately needed for my job. This is messing up my life for something that I did not do and is now against the law as it should have fallen off XXXX, XXXX for the FCRA and I feel now, that it's hopeless.
Product: Credit card or prepaid card

I was traveling to the XXXX where I needed to get a Health Certificate from the XXXX government. When I XXXX the health certificate a site came back appearing to imitate the government health certificate website however is was a scam/fraud. The certificate was to be free as I knew it. The website requested my credit card number as reference however never divulged that they would make a large charge for the free service. If they had clearly stated they would make a charge, I would have known it was a scam. I checked several times on the website however the website never disclosed they were going to make a charge on my credit card for {$140.00} on XX/XX/2022. In matter of few minutes, I checked my credit card a charge was posted then I realized I was scammed. The health certificate website looked like official government website. Other private website would state clearly at the beginning of the webpage that they are not a government agency. However this site pretended to fool people to believe you are on a government website to scam people out of money when the actual health certificate is free from the XXXX government. I contacted my credit card company, Chase who claim I can dispute but would not credit my account for fraud. They were suppose to mail me a dispute form however never arrived. When I received an email from Chase asking me to respond, I did fill out the form and faxed it back to the dispute form to Chase. As of today, I have not received credit for scam/fraud purchase and Chase has not responded to my dispute form.
Product: Credit reporting or other personal consumer reports

I have ask XXXX and TransUnion to fix thr report, but they keep sending me letters saying they are not sure its me connecting them. They are try to keep me on the credit wheel of doom forever. However XXXX has fix the Issue and change the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT TO DISCUSS THE MATTER AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX BANK XXXX XXXX XXXX STILL REMAINS UNDER XXXX AND TRANSUNION, WHEN XXXX WAS ABLE TO GET IS REMOVED. THERE HAVE BEEN SEVERAL ATTEMPTS AT GETTING THIS ACCOUNTS COMPLETELY REMOVED FROM MY REPORTS SINCE I STARTED DISPUTING ON XX/XX/2017. ACCORDING TO THE FCRA IF AN ACCOUNT IS NOT VERIFIABLE ACCURATE, NOR COMPLETE THE ACCOUNT HAS BE REMOVED AS SOON AS POSSIBLE. THIS HAS BEEN ROLLING FOR WAY TOO LONG, AND I FEEL NOTHING HAS BEEN DONE BY XXXX OR TRANSUNION. PLEASE REMOVE THIS NEGATIVE ACCOUNT FROM MY REPORTS, IT'S GETTING IN THE WAY OF ME ACHIEVING MY GOALS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

To Whom It May Concern, I am writing to report a serious issue of harassment by a company named XXXX XXXX, VELOCITY INVESTMENTS LLC, and XXXX XXXX. I have been a victim of identity theft, ( starting in XXXX of XXXX ) during which bank accounts, loans, and credit cards were fraudulently opened in my name without my knowledge. Upon discovering these unauthorized activities, I immediately reported the matter to the police and contacted all the relevant companies where these accounts were opened. All of the companies, except for XXXX, promptly closed the fraudulent accounts. I have videos, witness, harassing calls and text messages from a stalker who also broke into my apartment and damaged my property, including my computer from where he must have accessed my data. The delinquents changed my business email address, my email, they also wrote false checks, overdraft that account, I have close to 40 inches of paperwork from all of the crazy stuff they did. I never eat at XXXX, someone was still asking for loans late XXXX... they made a XXXX  drama size of all of this. They opened a savings account too, and applied to several credit card companies. 

Despite my repeated efforts over several months to resolve this matter with XXXX, they have refused to close the account in question. They have failed to provide any proof of making a deposit to any of my accounts or any relevant records. I have communicated extensively with XXXX and their affiliates, providing all necessary documentation, including police reports. However, XXXX continues to delay the resolution and seems intent on damaging my reputation. 

I request your urgent attention and intervention in this matter to ensure that this fraudulent account is closed and my name is cleared of any wrongdoing. XXXX is not acting in my best interest or is colluding with fraudulent creditors Thank you for your assistance
Product: Debt collection

THE ORIGINAL CREDITOR IS XXXX  XXXX, I HAVE NEVER HAND THIS BANK. IT IS FRAUDULENT, PLEASE REMOVE
Product: Credit reporting or other personal consumer reports

Portfolio Recovery has added an item on all three credit bureaus XXXX, XXXX and XXXX, without validating the debt. The debt is for {$1000.00}. According to the FDCRA I have the legal right to request validation of any debts I am claimed to owe. Portfolio Recovery has failed to do that.
Product: Credit card

I have had a JP MOrgan Chase ( Amazon Prime ) card for several months and have used it almost exclusively for purchases on Amazon.com. In XXXX, they offered an attractive balance transfer option and I transferred {$7200.00} from three or four cards between XX/XX/XXXXXXXX  and XX/XX/XXXX. 

Since that time, I have been making payments of fees ( balance transfer fees ) and promo interest along with all new purchases each month. My payments have exceeded what was due, but I have suddenly started being charged interest on purchases even though I'm paying them off each month. 

Chase claims I forfeited any grace period for purchases when I accepted the balance transfer option. I'm in banking and I've never heard of such a thing. This is an illegal and unethical attempt to generate high percentage interest on items that have been paid off within 30 days of purchase. 

I have called and inquired each month, just to check my math and avoid confusion, to determine the amount I needed to pay to avoid purchase interest and have always paid more than advised. However, I continue to get interest I should not be getting. 

They've also tricked me into paying down my low interest balance transfers, which I paid a balance transfer fee on. No payments are supposed to be required on the transferred balances other than the low, promotional interest rate.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I applied for a loan and on XX/XX/2022 they said my loan was ready it had been matched with a offer. On XXXX XXXX they emailed me to add income verification which I sent in. However on XXXX XXXX they denied my application due to credit denial or termination.
Product: Credit card

To Whom It May Concern, I am filing a complaint against Chase for systematically failing to honor a clearly advertised travel bonus points promotion, despite multiple documented confirmations of my eligibility. Chases refusal to credit the promised bonus points, coupled with obstructive customer service interactions, has left me without resolution and has wasted significant time and effort. 

In XX/XX/XXXX, I enrolled in a Chase XXXX promotion offering 10,000 bonus points for flight purchases over {$500.00}. The terms were explicitly stated : eligible customers had to book their flights through Chase XXXX by XX/XX/XXXX, complete their travel by XX/XX/XXXX, and would receive the bonus points within eight weeks of completing their travel. Relying on these terms, I booked a qualifying flight through Chase XXXX on XX/XX/XXXX, spending over {$500.00}, and completed my travel on XX/XX/XXXX. According to the promotions conditions, the bonus points should have been credited to my account by XX/XX/XXXX. However, despite meeting all the requirements, the points were never issued. 

Between XX/XX/XXXX and XX/XX/XXXX, I made multiple attempts to resolve this issue with Chase customer service. Each time, I was met with misleading and contradictory responses. Initially, Chase representatives confirmed my eligibility and assured me that the points would be credited within the specified timeframe. However, once the deadline passed, my subsequent inquiries were met with denials of previous written confirmations, shifting explanations about the promotions terms, and outright refusals to escalate my case to a department capable of resolving the issue. Instead of addressing the problem, customer service engaged in repeated, unproductive communication, deflecting responsibility at every step. Each interaction made it increasingly clear that there was no real path to resolution, as my documented eligibility and previous assurances were consistently ignored. 

I have substantial evidence supporting my claim, including the official Chase promotion page outlining the offers terms, my enrollment confirmation, flight purchase records, Chases written confirmation of my eligibility, and extensive documentation of inconsistent responses from various representatives. Despite presenting this evidence, Chase has failed to uphold its commitment, leaving me with no choice but to escalate this matter formally. 

I urge Chase to take immediate corrective action by issuing the 10,000 bonus points I am rightfully owed and to address the broader issue of deceptive promotional practices and inadequate customer service. This experience has been not only frustrating but also indicative of a systemic failure in how Chase handles its promotional obligations. I hope for a prompt resolution, failing which I will have to explore further action to ensure accountability. 

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

On XXXXXX/XX/XXXX I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Debt collection

I 'm in the process of trying to get validation of an item on my credit report. I 've disputed this item with the collection agency along with credit bureau and no documentation was provided. I was never provided any documentation validating the debt ( signed application ). I have attached my documentation requesting proof/validation that I sent to them and have yet to receive. I 've attached all the communications I 've forward to the collection agency, and credit bureau. 

The item in question is the following : PORTFOLIO RECOVERYXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX : {$1100.00}
Product: Debt collection

XXXX XXXXSynchrony Bank/Value City has been mailing and calling and harassing my family and I about a debt that would be too old to collect on but I do not owe them any money anyway.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XXXX to the credit bureaus requesting that the Affirm Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.