23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have made a purchase online at XX/XX/2023 for two units of items that total value is {$1200.00}. However, I only received one item in the package so start a dispute with Chase, but they end up refused my dispute. 

There several issues Im facing with in this case : 1. Chase didnt provide a portal for amount mismatch in their dispute page, the only option is to call them. 
2. After I call Chase, state my issue, I asked if they need evidence from my side as I record a video before I open the package. They said its not required. 
3. When I got the result, my dispute was put as merchandise not received, which apparently is not what I told them. And they never collect the information from my side even though I told them I have the evidence I didnt got correct number of items in the package.
Product: Credit card

Good Evening, I wanted to reach out in regards to an issue I have experienced with capital One. I had XXXX credit card accounts with them ( XXXX for nearly 10 years and the other 6 years ) that have never been delinquent. 

I deposited a XXXX check on XXXX/XXXX/16 XXXX XXXX XXXX and I had XXXX checks ACH checks with Capital One that were debiting my XXXX XXXX XXXX checking account on this same day, XXXX for {$40.00} and the other was a full account payoff XXXX {$1200.00}. XXXX XXXX XXXX did not pay the checks at the time ( they NSF XXXX/XXXX/16 ) due to funds being released in same time period but they refunded the overdraft fees and said capital one could resubmit and they would pay them. Capital one did not resubmit the checks so I issued new payoff checks XXXX/XXXX/16 for XXXX of the accounts. XXXX/XXXX/16 I called them because my account said restricted and they informed me that they closed all XXXX of my accounts XXXX/XXXX/16 and said they would not re-open them. I have been a loyal customer for nearly 10 years and have never missed a payment on any of these accounts. This negatively impacts my credit score since XXXX of these accounts still have a balance and these are my oldest credit lines.
Product: Credit card or prepaid card

I have sent in multiple special deposits to AMERICAN EXPRESS, and they only want to claim some security issue. I have sent in 4 different notary verifications, as well as photo ID verification. AMERICAN EXPRESS continues to refuse access to my own credit, and they have even shut off my internet access to the account.
Product: Consumer Loan

When we filled out the loan paperwork they made us sign up for products and services we could not use -- homeowner 's and car insurance though we do n't own a home or car. They put my income as " Unemployment '' on the loan application even though we gave them our Social Security award letters as proof of income. They did not tell us our Social Security benefits are non-attachable income and that we could not afford the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that a medical was on there twice, and it was the same medical. The medical was reported by XXXX XXXX for a medical service. The service was on the same day, the amount was the same, but yet they have two medicals for the same debt. They have duplicate trade lines. I have asked Experian and XXXX to remove the XXXX duplicate tradeline, both in the amount of XXXX dollars. They refuse to do so. I have worked at a credit agency ; the two unpaid XXXX medicals are the same account : open date the same, amount the same, day of delinquency the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

While traveling with my wife we lost one of bags. The bag had both mine and my wifes wallets in there. After several hours of calling around I was able to cancel all my cards and order new forms of id. About a year and a half later my wife and I both started receiving calls from debt collectors and solicitation calls so we got alarmed and wanted to find out what was going on. We ordered a copy of our credit report and were shocked to see so many accounts that we have never had nor heard of. This is 100 percent identity fraud. Also we had accounts with XXXX and had our information put at serious risk in the XXXX data breach!
Product: Credit card or prepaid card

I would like to file a formal complaint against XXXX XXXX dba CareCredit. I mailed my XX/XX/XXXX payment of {$200.00} via check # XXXX on XX/XX/XXXX, which XXXX XXXX dba CareCredit applied to my account on XX/XX/XXXX and which cleared the XXXX XXXX XXXX on XX/XX/XXXX. I mailed my XX/XX/XXXX payment of {$200.00} via check # XXXX on XX/XX/XXXX which XXXX XXXX dba CareCredit applied to my account XX/XX/XXXX and which cleared XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX dba CareCredit then charged me a late fee of {$38.00} and additional interest on the XX/XX/XXXX statement and further sent me an email on XX/XX/XXXX claiming I had missed the XX/XX/XXXX payment. I mailed my XX/XX/XXXX {$200.00} payment on XX/XX/XXXX as usual and which cleared XXXX XXXX XXXX on XX/XX/XXXX, so who knows what XXXX XXXX dba CareCredit will come up with on my next statement. 

This is after XXXX XXXX dba CareCredit charged interest each month during XX/XX/XXXX after agreeing to a changed payment date until I filed a formal complaint with the CFPB, when they finally removed the late charges after blaming me for their incompetence in their reply dated XX/XX/XXXX from XXXX XXXX. Additionally, XXXX XXXX   dba CareCredit failed to reply to my correspondence sent to their website link on XX/XX/XXXX until XX/XX/XXXX ( 7.5+ months ) and then finally blamed my for their incompetence in their reply dated XX/XX/XXXX from XXXX XXXX . Because of their failure to respond to my original request for almost 8 months, XXXX XXXX dba CareCredit has now added back interest to the account virtually doubling the amount due for my XXXX XXXX. 

Please require the following of XXXX XXXX dba CareCredit : 1.  Remove the late fee of {$38.00} charged on the XX/XX/XXXX statement 2. Remove the interest charges of {$1000.00} and {$1200.00} from the XX/XX/XXXX statement 3. Permanently remove the interest charges of {$1000.00} and {$1200.00} shown on the XX/XX/XXXX statement for a minimum of 8 additional months which are a result of XXXX XXXX dba CareCredits failure to respond to my XX/XX/XXXX complaint for 8 months last year 4. Charge no interest for the next 8 monthly billing cycles due to XXXX XXXX dba Care Credit 's failure to respond to my XX/XX/XXXX complaint in a timely manner
Product: Consumer Loan

Approved for auto loan with Exeter in XX/XX/XXXX. Due to the timing of when I was approved and purchased the car, my initial payment due date was set at the XXXX of the month. Shortly thereafter, I requested that my payment due date be changed to the XXXX because I only got paid once a month on the last week day of the month at the time. In XX/XX/XXXX I started a new job that has bi-monthly pay days on the XXXX and XXXX. I requested a new due date of the XXXX to coincide with my second paycheck because i have been paying late fees while making my payments on the XXXX which is past the 10 day grace period. Although I am able to go online to set up the payment for the XXXX I am still charged the late fee and still receive collection calls. They do not check beforehand to see that I have set up a payment. I am a customer that is doing her best to ensure I am making timely payments and communicating when I need more time. It seems senseless not to allow a customer to adjust the due date to accomodate their payday schedule. This is only a second request after a number of years and is only due to a job change.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX : XXXX SS # XXXX Dispute of Inaccurate Information Under 12 CFR 1006.34 ( b ) ( 5 ) and FCRA 15 USC 1681 To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. This dispute is made pursuant to my rights under 12 CFR 1006.34 ( b ) ( 5 ) and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/2021 Balance {$0.00} This information is inaccurate and Must be deleted at once. 



Request for Action : - **Immediate Investigation Deletion : I request that you conduct a thorough investigation into this matter and correct the inaccurate information on my credit report.

- **Written Confirmation** : Please provide me with a written confirmation of the completion of your investigation and the results.

- **Updated Credit Report** : Send me an updated copy of my credit report reflecting the corrected information.

Legal References : - **12 CFR 1006.34 ( b ) ( 5 ) ** : This section outlines the requirements for the accuracy and completeness of information reported by debt collectors.

- **FCRA 15 USC 1681** : The Fair Credit Reporting Act ensures consumers ' rights to dispute and correct inaccurate information on their credit reports.

Please address this matter promptly. Failure to correct the inaccurate information may result in further action to enforce my rights under the FCRA and other applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the West XXXX XXXX is showing a credit card debt from me when I have never had a credit card, or account or a contract with " Bank of the West XXXX XXXX ''!
Product: Vehicle loan or lease

Sheffield Financial was a company that finances a trailer loan for a side business. It was for a business listed under an LLC in XXXX of 2019. Total amount of {$14000.00}. There was a charge off amount of {$7500.00}. Now past due of {$9300.00}. The company has been let go and out of business since XXXX of 2019. I have tried numerous times to get it disputed because the company is no longer is business. 

Please help!
Product: Debt collection

I came home on Friday and there was a letter sticking in my door. They said that I owe them and they were stopping by to collect the money that I owe them. {$170.00}. Failure to respond may result in legal action to satisfy the debt.I feel threatened by this company as if I was at home they were going to force me to pay them on the spot.
Product: Credit reporting or other personal consumer reports

Got a credit report and the information on it is inaccurate.
Product: Vehicle loan or lease

Nissan finance is reporting late payments to my credit and the account is listed as charge off.
Product: Prepaid card

Back on XX/XX/XXXX an pandemic unemployment account was created in my name. The card was sent to the assailant address. i found this information out when i received a notice stating that i had to pay a over payment from unemployment back. Unemployment had 3 addresses on file under my name. 2 that belong to the assailant and one that belong to myself. Back in XXXX i Tried to apply for pandemic unemployment and i was locked out. It stated an account was already created. I Called Bank Of America i gave them my address. They advise me that was Not the address on file. I asked them could i change on file or could they give me the address they had on file. She stated NO, they couldn't give me the address they had on file and if i needed to make any changes i had to contact Maryland unemployment. I tried contacting Maryland unemployment for months with NO luck. I them received a notice about an over payment. via email. I tried emailing, calling, and visiting the building. no one answered email, the phone lines was still busy, and building still closed. I filed a police report with XXXX XXXX Police Department in XXXX about identity theft because at this point i have received SEVERAL notice of someone using my Social security number and DL. In XX/XX/XXXX i had to make an appointment with XXXX ( XXXX XXXX XXXX ) to report that my DL was stolen and the same day i was reporting that someone was creating a Social security account having a SS card mailed to them. I couldn't get a dup DL until XXXX of XXXX a month after an Unemployment account was created. i have submitted so much evidence police reports, XXXX reports, Social security administration letters stating fraud was created, i have disputed BOA transactions from day XXXX XX/XX/XXXX just to continuously get denied. i have provided ALL documentation and still DENIED. I have even provided the information and address of the person that committed the crime. Still DENIED. Once i sent my DL via fax they Finally changed my address to my Correct address after serval attempts of trying to give them my correct address. Once they changed my address all i ever received was denial letters from the disputes about the whole ordeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer, XXXX, is reporting my student loan as multiple accounts. So instead of one student loan account, my credit report shows 12 different accounts for different amounts. Before the pandemic, I was struggling financially and missed three payments on my student loans. However, since it shows as multiple accounts, my credit report shows 36 missed payments as opposed to 3. I need my credit report to more accurately reflect this because this is preventing me from qualifying for loans and better credit cards.
Product: Debt collection

My credit report reveals that a collection agency called SEQUIUM ASSET SOLUTIONS , LLC says XXXXXXXX XXXX says I owe them. I categorically and vehemently dispute this debt and have absolutely no idea about any debt owe XXXXXXXX XXXX. 
Late last yeXXXX XXXX XXXX, I went to the XXXX XXXX in XXXX XXXX and one of the agents of XXXXXXXX XXXX approached me to give a good deal to switch from XXXX to XXXX. The deal looked so good that I couldn't resist it. After switching, my next bill was about {$540.00} almost twice what I was paying at XXXX. I immediately called XXXX to explain the situation that, their agent at the XXXX XXXX has misrepresented and lied to me and I no longer wanted the service. The service with XXXX XXXX was cancelled and was sent return labels to return the XXXX devices I had bought. About a month later, XXXX contacted me saying I did not return all the devices and that I still have a device still with me. I explained to them that, I do not have their device but the best thing for them was to track the device from their end. I never heard from them till I saw a dip on my credit report just a few days ago. I still maintain that I do not have their device and that, with XXXX of the device they can track the device without trying to make me pay for something I am not responsible for.
Product: Debt collection

I have been disputing a debt with Resurgent/LVNV Funding for the past 6 months with no luck. They have been reporting to the credit bureaus as well and I have also tried to dispute the validity with the credit bureaus with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out many times due to the inaccurate reporting of my credit score! Equifax is reporting inaccurate information on my credit report and cause my fico score to reflect as a XXXX! I have no negative or derogatory history. I have 100 % on time payment history and my utilization is XXXX  %!!! 

A XXXX Equifax fico score makes no sense because I know how the XXXX score is broken down. Both my XXXX and XXXX fico scores are in the XXXX with the same exact data! 

This is so unfair and is a defamation of character. I cant do anything. I cant get lending, all banks are turning me away for a credit score that I dont deserve! I have called and called and called and they are telling me the same thing and refuse to put in a dispute. 

I asked for a supervisor and wasnt transferred because I was told they will tell me the same thing. These people dont know how detrimental credit is to life! 

Ive been trying to get an apartment for XXXX months now with no luck due to this and it makes no sense! 

My life is literally on stand still. Please help me rectify this! I need an immediate rapid rescore with the correct data reporting so my credit score and report accurately!! 

Please! Its over a XXXX point difference compared to the other bureaus!
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in XXXX v. XXXX XXXX XXXX XXXX XXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a  response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Product: Debt collection

Good afternoon, as of XX/XX/24, when I first recieved a call, I have since received numerous harassing calls from a debt company by the name of CAPIO PARTNERS LLC, most of which were assumed robocalls, upon my own records and follow ups with my providers and facilities I've utilized, bank statements, and credit reports, I've found that I owe no debt, nor have any outstanding balances sent to any collections, I've even checked with my credit bureaus and have found nothing and have recieved no letters as I would have if I had any debt accumulated, some of their calls included illegally spoofing their own caller ID to display false information, to which some of the calls I have recieved are not registering with my call log, I would furthermore, I would like for this company to cease and desist all contact with me as I have no business with them nor do they with me. I have paid all my debts and checked in with my provider to assure that fact. I also believe any information this company has on me is due to the widespread data breach in which my phone number has been alerted to have been leaked.
Product: Mortgage

Everytime I call the company, I can not seem to get a hold of anyone. On the off chance I do, they assure me that automatic payments for my mortgage are scheduled, but I never see the payment get taken out. Then, when I call to follow up, I ca n't get a hold of anyone. Even today, I tried to call them, and their automated system hangs up on me, and I can not seem to get through to anyone who can help me. When I have gotten through to someone before, they tell me they 'll find out what 's going on with the payments not being taken out, and then I never hear back from them.
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE NINH CIRCUIT, IN PINTOS V PACIFIC CREDITORS ASSOCIATED 504 F.3D 792 IT DECIDED THAT WITHOUT A PERMISSIBLE PURPUSE ONE IS IN SECTION 1681B. BASED ON THIS DECISON, IT APPEARS THAT YOUR AGENCY FURNISHING A COPY OF MY CREDIT REPORT TO THE BELOW COMPANIES. AS THE COURT INTERPRETED AND BASED ON HAS BEEN DONE IN MY CASE, FA ONE ONLY HAS PERMISSIBLE PURPOSE FOR OBTAINING A CREDIT REPORT UNDER WHEN IT IS ONLY IN CONNECTION TO A CREDIT TRANSACTION IN WHICH A CONSUME DIRECTLY AND VOLUNTARILY. I DID NOT DIRECTLY AND VOLUNTARILY SEE FOLLOWING COMPANIES AND THEY DID NOT HAVE A PERMISSIBLE THE CREDIT INQUIRY INFORMATION : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late in XX/XX/2019 and 30 Days Late in XX/XX/2019. There was an error on their part. I was never 30 days late on these two occasions.
Product: Debt collection

Every time a XXXX XXXX with a XXXX # # # number calls ( the number changes as I keep blocking them ) if I pick up the phone, I get no response, except for the first time when they were looking for my ex who I have not had contact with for years. I told the woman he wasn't available and she said they would call back and immediately hung up. Now they call every day and leave blank voicemails, no matter how many times a block on of their numbers.