23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I originally filed for a Care Credit card due to not having insurance and needing assistance with paying to have procedures done. I used the card a few times and was making my payments as usual. I then began to notice that my payments were not going down but instead going up. I had some items on there that were to pay before a certain time frame or the interest would apply from the time that the payment occurred. And then there were others that you just paid on as you went. The payments were not going on the ones that had the time frame even if they were at the top of the list but instead to the other ones. I tried to call and make payments over the phone. Either no one answered after being on hold for hours or I was told that they could not assist me. I kept making payments and now I have over {$2000.00} in interest. I have tried to call several times and ask to speak to a higher manager or someone in the HR department. I'm always told the same thing. Someone will call me or email be back and no one ever does. I try to follow up and its like I never made the fir4st call or there is no record of it. I am a single mom and my hours have been cut at my job so I only make {$300.00} a week. I have paid way more than what I should have and still have so much left in interest when if it would have been applied to the correct payments in the first place everything would be paid off by now. I am at a loss of what to do and they now been sending this to the credit agencies so my credit is declining fast.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer ( XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit {$100.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - Terms Revolving Responsibility Individ EXPERIAN REPORT FTC VIOLATIONS )
Product: Credit card or prepaid card

Attatched JUST RECIEVED BY MAIL XX/XX/XXXX. USAA UNSATIFACTORY WRITTEN DOCUMENTATION ITEMS DELIVERED * INTO MY HANDS AS AGREED. Attatched USPS CRIMINAL INVESTIGATION ZIP XXXX. MAILBOX DELIVERIES NOT MADE XX/XX/XXXX dated XX/XX/XXXX. Kindly Note XXXX case XXXX order date XX/XX/XXXX XXXX XXXX ** IS NOT SHIPPED TO MY ADDRESS. KIndly Note documentation ( ) Delivered XX/XX/XXXX XXXX in MAILBOX. ( MAILBOX DELIVERIES NOT MADE. ) USAA DOCUMENTATION DOES NOT PROVIDE PROOF OF USAA ALLEGATIONS ITEMS WERE DELIVERED INTO MY HANDS ** Original Signature Accepting Delivery AS AGREED. PROVE DELEVERED INTO MY HANDS AS MY AGREEMENT WITH MERCHANTS OR CREDIT IMMEADTELY. USAA SLANDERS CONSUMERS.
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. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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, credit repair services, or other personal consumer reports

To whom this may concern on XX/XX/XXXX a previous complaint was filled with the CFPB ( ccomplaint # XXXX ). It has been more than 30 days since my complaint has been filed and I have not received any substantial remedy or status since my initial request. After review by XXXX, the account was removed from there reporting as the account did in fact contain these errors. I requested that the following account be reinvestigated and removed due to multiple errors found within this collection account. By law, only accurate information may be reported and the account was previously disputed and marked as updated. My 1st reason for deletion is inaccurate date of acquisition by XXXX which is reported as being purchased on XXXX XXXXXXXX XXXX XXXX shows the account was actually purchased XX/XX/XXXX. XXXX XXXX stated on XX/XX/XXXX that the account was closed and would be reported as closed which they failed to do. The account only showed as a collection with no payment history or details. I also requested all documentation showing a summary of all charges because the amounts owed was also wrong. On the last statement received dated XX/XX/XXXX the balance subject to interest is {$2500.00} plus 22.99 % interest ( {$50.00} ) which totals {$2600.00} not $ XXXXThe account was disputed with the original creditor and with XXXX XXXX XXXX XXXX  and your bureau Trans Union In my original dispute I requested a copy of the original contract with my signature as well as the accounting documents showing how the total amount owed was calculated. I have received neither of the requested items within the time allowed by law. These items are highly damaging to my credit worthiness and character and may be subject to civil compensation. Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI, section 611 subsection A-D I demand that you provide actual proof the information was verified, not a computer-generated confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor has not removed late payments as agreed through goodwill letter.
Product: Credit reporting or other personal consumer reports

I got copies of my XXXX and Experian and XXXX XXXX XXXX XXXX XXXX is falsely reporting on my credit report wrong payments and payment amounts they are breaking laws of section 603 of the fair credit reporting act by reporting my information with no scheduled payments ever they just are reporting wrong information credit reporting and the type account they are reporting is wrong too either it's revolving or installment they are reporting cellphone agencies are sending it back to me verified and accurate how could it be accurate if no payment schedule was ever reported XXXX XXXX is also breaking Texas state law by actions as a collection agency thier for they are breaking Texas sate law by not being registered as a debit collectors Section 392.101 of the Texas Finance Code prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I also have sent copies of ftc ID theft afitdavit
Product: Checking or savings account

I was the victim of identity theft and banking fraud and had over {$12000.00} stolen from my Chase checking accounts and the bank refuses to recredit my accounts concluding that the transactions were authorized. But I have provided detailed evidence to the bank that the transactions were fraudulent and I reported the fraud promptly. I have attached a two-page affidavit detailing what took place and attached evidence showing proof of my assertions.

In summary, I received a call from Chase Bank 's fraud department on XX/XX/2023. The call came from XXXX which is Chase Business Customer Service 's phone number. A person identifying himself as XXXX from Chase 's fraud department told me he was calling to determine if a suspicious transaction was authorized by me. I told him that it was not and that it was fraudulent. He said that Chase would decline the transaction and that my debit card and online access needed to be shut down because they had been compromised. Everything he said was verified by Chase email, the pending charge reflected on my bank account, text messages from Chase, and a message sent using Chase 's mobile app. He asked questions about my account name to verify my identity but not my password or pin number. After the call ended, I received a Chase alert that my account balance had fallen below {$2000.00}, which was strange since I had over {$4500.00} in that account. I immediately called Chase Bank back on the same number XXXX and learned that the individual I was speaking to previously was a scammer and that multiple unauthorized transactions were now pending. I asked Chase to decline all these transactions because they were unauthorized. The next morning I went to the bank and filed a formal complaint.

The bank is now refusing to refund the money claiming that the transactions were " authorized. '' But I disagree. How can they be authorized when the evidence shows I was scammed. I was called by someone from Chase 's number, using Chase 's email letterhead, using Chase 's mobile app for messaging, and a Chase text message. Information clearly obtained by fraud does not make a transaction " authorized. '' Please read the affidavit and look at the evidence provided. This was a very sophisticated scheme and I was not negligent or grossly negligent. Also, I reported the transaction within hours ( 2-3 hours ) and the fraudulent transactions were still pending and Chase did not stop them.
Product: Checking or savings account

Last month, in XXXX, I received a letter from Chase Bank informing me that they were closing my accounts, as well as my familys accounts. This also includes my business account. I have been banking with Chase for nearly 20 years. Despite numerous phone calls to Chase, no one has provided me with a reason for this decision. I was only told that neither I nor my family could open accounts with Chase Bank again. 

I have a XXXX daughter, and now, without any explanation, she is barred from ever using Chase Bank for the rest of her life. This decision seems incredibly unfair. It is hard for me to understand why my accounts were closed without explanation, and why my familys accounts were also affected. 

I kindly request your assistance in resolving this matter. 

Thank you. 
XXXX XXXX XXXX
Product: Debt collection

I opened a XXXX XXXX credit card in XX/XX/XXXX. And was closed at credit Grantors request shortly after. The amount of the debt when account was closed was {$7300.00}. I have a copy on a credit report from XX/XX/XXXX that shows on record until XX/XX/XXXX. 
In XX/XX/XXXX the debt was purchased by Portfolio Recovery Associates who reported the debt amount of {$7300.00} and reset the date of the original debt. I disputed the debt multiple times with all three credit bureaus. XXXX deleted the account but XXXX and XXXX only tell me that they updated the account but no information shows to have been changed. I have also repeatedly requested documentation to validate the increase in the debt amount that occurred when the debt was purchased, years after the account was closed, but Portfolio Recovery Associates has failed to provide any requested documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Information - Incorrect Employer : XXXX  XXXX  XXXX - Incorrect Employer : XXXX XXXX XXXX Accounts XXXX XXXX XXXX - XXXX CREDIT COLL - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX - XXXX Inquiries to be Verified or Removed : XXXX. XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX  - XXXX
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years. 
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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

I had purchased a couch and financed it with 0 % interest if paid in full in 12 months in early XXXX. I received a call from a credit card company a week later that stated this was the credit line that had to be opened in order to pay off the financed couch ( their XXXX was not the best and may have misunderstood my request ), so I opened the credit line. 

I come to find out about a week later this was not the credit bureau that was used to finance the couch when I received another credit card in the mail, but just another credit company with an XXXX XXXX store credit card. Now I have two credit cards that were just recently opened : one that is used to finance the couch and one that misled me and caused me to open up a credit card that I didn't want, and never will use.

This has caused a ding to my credit score that I was not wanting just as I am looking to purchase my first home in the coming months. Whether they intentionally misled me or not, I believe someone with limited capability of explaining the credit situation should not have the authority to authorize an opening of a credit line in someone's name. 

I filed a complaint with multiple credit agencies to try and get this expunged, but nothing was done. It updated the credit report, but they have not deleted this credit line. I will be seeking assistance from Synchrony Bank ( the credit company that opened the line of credit ), but assume they will not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong address and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically after a brief search of my credit history yielded no current history since roughly XXXX. I reached out to all 3 credit card reporting agency 's, they said that my creditors were not reporting my status? Finding that odd since I have been with the same financial institute for years. I asked them and they have been, they also submitted a dispute with all 3 agency 's. The result was determined because I only have one name these agency 's were and are not reporting my history.

I called all 3 explaining what my legal name is. After several attempts they finally said send a letter with proof of ssn, and drivers license. Which I did and then waited several days. I received from TransUnion 2 documents of the same content with different dates showing no corrections. 
I then started to call all 3 agency 's only to find that even though TransUnion said they received the letter they weren't reporting? For what reason I could not understand. My call was routed outside of the XXXX to XXXX I believe, I am not sure why my credit history and or reporting is done outside the XXXX. 
I did not feel comfortable as I had given out enough personal information and still they are not reporting my history. I am a XXXX old man and a business owner with no credit history?? These 3 agency 's I assume because of my name are not reporting or making public my credit history????????????????
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found several items listed that are erroneous and inaccurate which are negatively impacting my overall credit worthiness.
Product: Checking or savings account

I have been in dispute with Chime over charges not authorized that was debited from my account in the amount of {$1200.00} in XXXX of XXXX. I have disputed this same charge with XXXX XXXX  were the same exact charges were reversed. But for some reason Chime has denied " Any Error Occurred ''. Even after multiple " rebuttals '' and submitting evidence that I have never had an account with the merchant ( finance company for car loan ) who has my money. I was still denied the dispute. As of today XX/XX/XXXX Chime refuses to give me any evidence to support their decisions and has even threatened to " Take action against my account for disrespect '' for the fact they refuse to send me these documents. The said excuse was I would have to call and request them over the phone ( which I have done multiple times ) even though me and 5 agents have been in ongoing email threads communicating about the dispute and results. As soon as I ask for " the documents '' They don't want to communicate via email anymore..XXXX. This company is an absolute disgrace to its customers and needs the highest form of XXXX reprimanding possible and to be shutdown! Chime is known for not honoring good faith disputes that have merit not in favor of their customers. Chime doesn't investigate disputes to the level of XXXX BANKS stop letting these crooks finance their sham of a financial institution with your money!
Product: Credit card or prepaid card

I did a balance transfer and paid a fee of XXXX for a XXXX interest balance transfer. Now I have lost my 30 day grace period on purchases when I pay my purchase balance off in full. I am being charged interest on purchases now from the day I make a purchase. This was not understood or clear to me when I did the balance transfer. This is deceptive and unfair as I pay my purchase balance in full each month. The disclosure for my balance transfer should have clearly stated this and drawn my attention to this fact. This is an unfair practice to get people to pay a fee for a XXXX balance transfer and then charge them interest on purchases.
Product: Debt collection

Someone used my information to get a loan and forged documents in my name now they sending me letters saying I owe this money.