23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing this complaint regarding a fraudulent charge on my Discover credit card. On [ insert date ], a charge of {$650.00} was made at a merchant in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I did not authorize this transaction. 

Immediately after noticing the transaction, I contacted Discover and filed a fraud claim. However, Discover has denied my claim. 

What concerns me most is that Discover reported the merchant provided a picture of my ID card as evidence to support the charge. My ID card was in the same wallet as my credit card, which was likely used. Clearly, possession of my ID by the merchant does not prove I authorized the charge ; rather, it suggests the fraudulent use of both my credit card and ID. Furthermore, I asked Discover to verify if my signature was correct and they were not able to do so. 

I am requesting that the CFPB review this matter as I have done everything in my power to report and resolve this fraud claim. Discovers refusal to reverse this charge despite clear circumstances leaves me unfairly liable for unauthorized charges. 

Resolution Sought : 1. Immediate reversal of the {$600.00} charge.

2. A proper investigation into the fraudulent use of my credit card and ID.

Thank you for your assistance in this matter. 

XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I emailed all contact departments for Transunion on XX/XX/year> stating I have filed formal complaint against Transunion for violating consumer reporting laws and failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my previous reports via email to XXXX  Chief Compliance Officer, Support Services, and Privacy Department, no corrective action has been taken. 
TransUnion has engaged in unauthorized investigation reporting, falsely attributing statements to me claiming that I reported certain credit applications as fraudulent or disputed them. As a result of Transunions erroneous reporting, 12 of my credit card accountson which I have an excellent payment historyhave been fraudulently closed. These closed accounts now appear on my credit report, severely damaging my credit profile. This will hinder my ability to apply for a VA loan to purchase a home, directly impacting on my financial stability and future. 
I demand that all 12 of my credit card accounts be reinstated immediately and that all inaccurate comments be removed from my credit report. Additionally, I want to emphasize that I never disputed any of my accounts directly. My disputes were solely against the inaccurate and missing information reported by credit reporting agencies. 
I am also formally notifying you that I have filed complaints with the FTC, CFPB, and the Texas Attorney Generals Consumer Protection Division regarding Transunions misconduct. Due to the significant financial burden and mental anguish this has caused, I am considering filing a civil lawsuit against XXXX for damages. 
Transunions negligence has led to unjust financial hardship and potential long-term consequences. I request an immediate investigation into this matter and expect enforcement actions to ensure compliance with federal and state consumer protection laws. Please confirm receipt of this complaint and provide guidance on any further steps I should take. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I received a debit card in my name from Chime through the mail. I do not have any dates for when exactly it was received. I first got it on XX/XX/, so it was from this week in the mail. I was not given any specific details on the amounts used or taken, however, the company closed the account immediately and I would not be held accountable for any balances. No money appears to have been stolen from any accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy an acre of half of land to build my dream home and I can not get a conventional home loan due to my score being at 680 instead of 700. 

I checked my credit reports to see what was holding my score down and saw three very old accounts from XXXX still reporting after they have been taken care of by bankruptcy. These accounts should have been deleted as they are ten years old. 

The bankruptcy listed has incorrect information as well and should be removed. The name associated with the bankruptcy is incorrect. My birth certificate states XXXX XXXX not XXXX XXXX. 

I tried to submit a dispute online but it is not allowing me to send a dispute for Report Number XXXX. The credit report was Generated on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian Dispute Department Re : Formal Dispute and Request for Correction of Credit Report Information Dear Experian Dispute Department, I am writing to bring to your attention several billing errors and discrepancies on my credit report, which I recently obtained. After thorough review, I have identified violations of the United States Code Law, specifically the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ) ( billing error ), 15 U.S.C 1681A ( 2 ) ( B ), and 15 U.S.C 1681s2. 
Under 15 U.S. Code 1666 ( b ) ( billing error ), I observed the following errors : The creditor 's failure to properly reflect a payment made by me or a credit issued to me. 
Computation errors or similar errors of an accounting nature by the creditor on my statement. 
Additionally, it has come to my attention that the creditor failed to provide a statement 21 days before the due date, which is a violation of TILA. Consequently, there should be no late payments reported on my accounts, and I demand verifiable proof from the creditor 's bank account that supports any claim of non-payment leading to late marks. 
Furthermore, under 15 U.S.C 1681a ( 2 ) ( B ), I draw your attention to the responsibilities of furnishers of information to consumer reporting agencies, specifically the duty to provide accurate information. It is evident from my credit report that certain accounts are inaccurately marked as late. The following discrepancies need immediate correction : Account : XXXX XXXX XXXX Account Number : XXXX Error : XX/XX/XXXX and XX/XX/XXXX show 90 days late payments, but the preceding months indicate on-time and positive payments, respectively. 
Account : XXXX XXXX XXXX Account Number : XXXX Error : XX/XX/XXXX reports a 30-day late payment. 
I seek clarification on your method of verification and investigation, and I kindly request answers to the following questions : What certified documents were reviewed during your investigation? 
Provide a complete copy of all information transmitted to the data furnisher, as required by the Fair Credit Reporting Act ( FCRA ). 
Details of communication with the data furnisher, including names, dates, duration, positions, and contact information. 
I also request a notarized affidavit confirming the accuracy of the information provided, adhering to my civil rights granted under federal laws. 
Failure to provide the requested information in a timely and detailed manner will compel me to demand an update to " paid as agreed '' on my credit report. The inaccurate reporting has caused significant financial and emotional distress. 
I expect your response within 15 days of receipt of this letter. Failure to do so will prompt legal action, and I have already involved regulatory bodies, including the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ... ... ... ... section- ( 602a ) section- ( 604a ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion intermediate Holdings inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 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 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 XXXX XXXX
Product: Debt collection

I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX XXXX XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX XXXX XXXX   which does not validated a copy of bill does not substantiate deb
Product: Credit card or prepaid card

My wife had applied for a  Chase Marriott Rewards Card in  late  XXXX    XXXX  , which identified an {$85.00} annual fee would be charged on each anniversary, however when we received the card and activated it on  XXXX   XXXX , there was already an {$85.00} fee posted to the account. My wife contacted  Chase imm ediately on  XXXX  at approximately  XXXX  EST and provided the Customer Servic e Agent per mission to speak with me, her husband. I spoke with  XXXX , from  Chase, at len gth regarding this issue.  XXXX  was not very helpful because she kept saying that I was claiming that the terms stated the first year annual fee was waived, however this is not what I was suggesting at all, so after  XXXX  stated that she could not waive the fee then I requested to speak with her Supervisor. I then spoke with a  Chase Supervisor and stated th at the terms state the annual fee is charged on the anniversary but does n ot state it will be charged at activation or will be charged for the first year. I asked the Supervisor if she could  point me to the verbiage in the Terms where it states the annual fee would be charged at activation or in the first year, and after being placed on hold for what seemed to be  XXXX  minutes or more, she came back on the line and read the Annual Fee verbiage, which does not state it is charged upon activation or in the first year. She basically claimed that the word " annual '' means that it would be charged immediately, even though it clearly states that it is charged on the anniversary.   I expect more from  Chase,  a s one of the l argest banks in the  XXXX , and ask the CFPB to please provide stricter guidelines for banks to communicate the specifics around annual fees.   Thank you in advance.    XXXX   XXXX
Product: Checking or savings account

Hello, I opened an HSBC Premier checking account on XX/XX/XXXX through the following link : https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ I met the terms of the offer by having deposits greater than {$5000.00} each of the three months after my opening month, i.e. XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX ( XX/XX/XXXX ). 

The offer states that the {$450.00} XXXXme Deposit Offer will be paid approximately 8 weeks after completing all qualifying activities.

When I had not received the promotional credit by midXXXX, I reached out to HSBC and inquired. They advised, " the account did not meet the requirement for the promotional bonus as the account was not opened in the offer page which is required to be eligible for the bonus. '' They are contending that I did not open my account through the above link. First, I insist that I did. I navigated to their site directly through that link and never went to any other page to open my account. If their system is broken and they can not tell what link I used, it is not fair to deny me the bonus I signed up for. 

Supporting documents are attached. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My son started an account on CASHAPP in XXXX, while he was XXXX. He was able to transfer and receive money without adult sponsorship. In XX/XX/XXXX, his phone broke and he was given a new telephone number. My mother-in-law and daughter sent him money using the old telephone number. 

I contacted CASHAPP to find out how to access the funds using the new telephone number. At that time I learned about the sponsorship for minor accounts. He never had a sponsor but we can prove the account is his and that I am his parent. I was told be several CASHAPP reps that there is no way to access his account because it was not verified when set up. If that's the case, he should not have been able to receive and send funds. 

ISSUES - A minor was able to set up and use and account without sponsorship. 
CASHAPP will not verify the account with the minor or their parent. 
CASHAPP will not refund the money sent to the account ... both my mother-in-law and daughter requested refunds. 
CASHAPP will not verify account with parent. Offered to submit birth certificate as proof.
Product: Checking or savings account

XXXX XXXX, Wellsfargo closed my account after they said I was overdrawn. I was expecting my IRS tax refund. I found out my account was closed after tried to get money from my account. I called spoke to representative they said they closed and any check would be sent back. Time passed XXXX happened. XXXX I went to Well Fargo first they said they had no record of my account then they said they never received the direct deposit from IRS to call them and find out. I called IRS and they sent me a letter showing my money was sent to my account the day before they closed had closed my bank account. I went back to Wellsfargo again they said it never got there. So I show them the letter from IRS and now they back peddle and tell me they have to investigate so I sat there for about XXXX hours when they finally come back to me and tell me that after looking at the account they hadn't closed my account until XX/XX/XXXX and the money did come in and was spent and I overdrew my account {$630.00}. I said how can you tell me no I never got the money and that the account was closed in XX/XX/XXXX and then change it to this new date. I asked for bank statements showing where the money was spent and when the money came in because if it was like the IRS had said my account should have never been closed. They wouldn't answer that question or show me a atatement.
Product: Credit card

Chase 's " balance '' on my card and what I calculate from Chase 's own records that my balance should be shows a discrepancy of $ XXXX- {$300.00}. I 've complained repeatedly and they are evasive ; they do n't answer my questions directly. I 'd be happy to provide a spreadsheet, except since I complained they 've made unavailable previous transactions, and in fact, I ca n't see my complete transaction history since I bought the card on their site. I 'll upload XXXX versions of my " complete '' transaction history, XXXX from the day of my first complaint, XX/XX/XXXX and XXXX from today. You 'll see that they allow me very little access to my own information, most likely as a way to ensure that I do n't see what they 're doing. The fact is, the XX/XX/XXXX statement goes back to XX/XX/XXXX, and before that I paid off every single bill in full every month. Combining these XXXX documents should make the current discrepancy clear.
Product: Student loan

I have three Student loans Disbursement date XX/XX/XXXX for XXXX XXXX  ; XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX. I have been current paying XXXX XXXX for a year and have been in good standing and that has been reported to the credit report. XXXX has reached out to my employer and started garnishing my wages and did not have my correct address or credit name and has been reporting to the three credit agencies that I have been behind. I do n't know who to blame
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX
Product: Debt collection

SECOND REQUEST!!!! 
Company is refusing to remove the item from my credit reports. The item is a valid identity theft issue and the company refuses to validate this account which is also a violation of the fair credit reporting act. I want signatures and social security numbers, address or else I will be forwarding this to a consumer attorney to sue them directly. You also never mailed me the first collection letter giving me the opportunity to contest this collector account. You have violated my rights in three different ways and I will continue to fight this legally!!!!!!!
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> we decided we were going to purchase furniture through XXXX  XXXX XXXX  we applied online through Acima Credit for financing purposes. We were approved so we entered the store and purchased our furniture. The sale price of the furniture was {$1400.00}. The representative working for XXXX processed our terms in our contract to which we signed and he told us we would be paying {$60.00} and change, every two weeks. We agreed and signed the contract. XX/XX/XXXX we re-entered super XXXX with the intent to use the remaining credit with a XXXX to purchase a mattress upon checking out we were told that Acima had attempted to contact me to let me know there was an issue with the contract. I advised I had not received any phone calls and even showed the representative my phone to prove nobody had contacted me at this time. I was told that in XXXX when I checked out their employee, XXXX made a mistake and wrote the contract for {$50.00} to less. We shouldve been charged XXXX but he wrote the contract up for XXXX. And that we needed to sign a new contract or we would not be able to get our mattress. Granted we had already made multiple payments on the account and they wanted to start the contract. Fresh not consider considering my payments already made so recharging interest as well as remaking double payments. I advised them I will not be signing a new contract and that if the employee didnt write it for enough, that is the companys fault not mine and I should not be penalized for it. I asked to speak with the employees manager who she was texting, and the manager refused to speak to me. At this point, I asked to speak to XXXX XXXXXXXX manager since they were the ones involved and that XXXX was representing them. The general manager agreed that this was not my fault and if XXXX refused to make it right that he would take it to his headquarters to write off the {$50.00} which was completed within the hour he assured me a XXXX would only be charged {$1000.00} Because it was in the best interest for the customer meaning me. Now two weeks later I have continuing to get text messages from XXXX XXXX telling me I needed to sign my new contract still attempting to collect the extra {$50.00}. They have since changed all of my information online to report that I am responsible for the extra {$50.00} I have attempted to call their corporate office for several times and have not been able to speak to anybody.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT XXXX IS SHOWING INACCURATE BALANCE I CALLED AND VERIFIED THE CORRECT AMOUNT IS XXXX BUT IT SHOW INCORRECT BALANCE ON XXXX, EQUIFAX, XXXX AND XXXX. 

MULTIPLE INSTANCES OF INACCRACIES, OUTDATED AND ERRONIOUS INFORMATION DOCUMENTED WITH PREVIOUS COMPLAINTS THAT THEY REINSERTED AFTER REMOVAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was charged {$28.00} on my XXXX XXXX statement I disputed the charge and the only way BofA would investigate the charge was to make a fraud claim. .On XX/XX/XXXX the amount of {$28.00} was deducted as a fraud dispute. i was notified on XX/XX/XXXX that the merchant gave me credit for {$27.00} and {$1.00} which totals {$28.00}. But this was not true. The original dispute was only one transaction totaling {$28.00}. No where on the statement is their a credit of {$27.00} and {$1.00} which totals {$28.00}. Only an adjustment that added the amount back on the credit card. I called BofA again and I was told there algorithm automatically made that adjustment. I again made a claim. My XXXX/XXXX  XXXX showed a previous balance of $ XXXX.I called again and was told they would investigate it. I received a letter dated XX/XX/XXXX that " XXXXyour claim has been resolved ''. A few days letter I received my XXXX/XXXX  statement and the charge of {$28.00} is still on the bill and there is a new fee of {$1.00}. Again I called and was told the account shows a credit that will post XX/XX/XXXX. I called the credit card number and the auto services said I was going to be placed in collection because my bill has not been paid in two months. Every time I called the clerk makes notes and I am told the call is being recorded