23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX or XX/XX/XXXX I was carrying a {$47.00} credit on my Chase Visa. I think it was the balance of a credit from a return I made earlier in the year. Anyway, Chase says they sent me a check for the {$47.00} around that time. I never asked for it, I never received it, it was never deposited. Since it was n't deposited Chase put a stop on the check on XX/XX/XXXX and continued to show my {$47.00} on its books. Sometime in XX/XX/XXXX I made a {$6.00} purchase with my Chase Visa. A Chase rep tells me due to billing issues ( I assume with the vendor, not Chase ) the charge ended up on my bill due XXXX. At this point, Chase owed me {$47.00} and I owed Chase {$6.00} so Chase owed me {$40.00}. But then I get a letter from Chase, dated XX/XX/XXXX, saying it closed my account. The letter says my account was delinquent and as a " courtesy '' they cancelled the balance. I call customer service and ask them to look over my account since it should have a credit. It turns out the problem is when Chase put the stop on the check, they did n't credit the {$47.00} back to my account. They offer to send me a new check for {$47.00} and reopen the account. I asked that they credit the {$47.00} to my account, use it to pay the {$6.00} and reinstate my account. They offer to reopen the account and send me another check again. I work my way up the chain to supervisor XXXX. According to XXXX when Chase cancelled the check, the finds went into " Limbo ''. Since Chase had my funds at all times, I asked him to correct the account to show the credit on XX/XX/XXXX, timely payment of the {$6.00}, reinstate the account showing it should n't have been closed and remove any negative credit information Chase reported. He repeated the offer to send me a new check for {$47.00} and reopen the account, but said Chase would not credit the {$47.00} to the account, would n't use it to timely pay the {$6.00} charge and would n't remove/revoke this from my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : 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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : Dispute of Incorrect Information on My Credit Report Dear CFPB Representative, I am writing to formally dispute incorrect information that appears on my credit report. Specifically, there are errors in the personal identifying information section, such as my name, address, and phone number. I have outlined the inaccuracies below and provided the correct information for reference : Name : Incorrect : XXXX XXXX, XXXX XXXX '' Correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed on the correct report Correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Listed on the Credit Report Correct : XXXX ) XXXX I believe these errors have occurred due to [ briefly explain possible reasons if you know them, e.g., " a clerical error, '' " misattribution, '' or " identity theft '' ]. These inaccuracies are negatively impacting my credit profile and may cause further issues if not promptly corrected. 

Attached, I have included copies of the following documents to verify my identity and provide evidence of the correct information : A copy of my government-issued photo ID Attached A recent utility bill or bank statement showing my correct address XXXX XXXX Listed. 
I respectfully request that you investigate this matter and contact the relevant credit reporting agencies to update and correct the inaccurate information on my credit report. 

Please keep me informed of the progress of this dispute. You can reach me at the contact information provided above. I would appreciate a written confirmation once the inaccuracies are resolved. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need additional information or documentation. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts XXXX XXXX XXXX Account Number : XXXX Balance : {$16000.00} XXXX XXXX Account Number : XXXX Balance : {$3600.00} XXXX  Account Number : XXXX Balance : {$23000.00}
Product: Debt collection

Subject : Formal Demand for Immediate Deletion Unlawful Reporting, Privacy Violations & Debt Misrepresentation This is a formal demand for the immediate deletion of the fraudulent account you are reporting to the credit bureaus. Your company has no legal standing to collect this alleged debt, and your actions constitute multiple privacy violations, unlawful credit reporting, and deceptive collection practices. 

Privacy Violations & Unauthorized Access You have illegally accessed and reported information on my consumer credit file without my consent or permissible purpose, in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). I did not authorize you, nor did I ever enter into a contractual agreement with your company. Your unauthorized access to my private data is a clear violation of my federally protected privacy rights. 

No Agreement Exists You Have No Right to Collect I never signed an agreement with your company, nor do I owe you any debt. You are a third-party debt buyer attempting to force me into an agreement that I never consented to. Per 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide legally valid proof that I owe this alleged debt to your company. You have failed to do so. A generic contract from XXXX does not establish any obligation between me and your company. 

Unlawful Credit Reporting & Misrepresentation By furnishing and continuing to report this unverified debt to the credit bureaus, you are in direct violation of 15 U.S.C. 1681s-2 ( a ) of the FCRA, which prohibits the reporting of inaccurate, incomplete, or unverifiable information. Your claim that I must pay to remove this account further confirms that your reporting is not legally valid and is being used to coerce me into paying a debt I do not owe. 

Pay-for-Deletion is an Admission of Invalid Debt Your offer to delete the account if I pay is a deceptive collection practice and a violation of FDCPA ( 15 U.S.C. 1692e & 1692f ). If this debt were legitimate, removal would not be contingent on paymentit would remain per FCRA guidelines. This proves your reporting is an unlawful attempt to pressure me into payment for a debt you can not legally substantiate. 


Failure to comply will result in formal complaints and potential legal action for violations of the FDCPA, FCRA, and Gramm-Leach-Bliley Act ( GLBA ) regarding privacy breaches. I expect your prompt response confirming that this matter has been resolved and removed from my credit file.
Product: Money transfer, virtual currency, or money service

I sent a electric bill payment from my account on XXXX for {$110.00} to my mortgage account OnXX/XX/XXXX I received a call from my mortgage company asking me to make a payment. I let them I send a electric payment from my bank on XXXX and they said they do not accept electric payments. I contacted my bank to see what was going and to cancel that payment because I had to payment over the phone. After speaking with my bank I was told that they were unable to cancel or recall the transaction because it was sent as a electric transaction. I let them know that my mortgage company does not accept payments that was and I needed to get my money back. I had to escalate my compliant because the company that it was sent to did not have my payment and was unable to locate because it was sent to a lender who I don't have account with. My bank is telling me that there is nothing they can do to help me get my money back and when I reached out to the company it was sent to they are saying I have to contact my bank and they do not have my transaction. I have exhausted all my actions and have done everything I was asked from both parties and I still don't have a resolution. I really need help with this matter.
Product: Credit card or prepaid card

I paid my balance with Capital One on XX/XX/2020 of {$660.00} and they say it will 7 days to credit my balance even though they received the funds on XX/XX/2020. I could understand 3 days but not 7 days? They say they can hold whatever amount for 7 days after it clears.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 flagship credit acceptance and XXXX XXXX tan my credit. I was on XXXX XXXX thinking about refinancing and I never submitted my application after a refinance company reached out to me and I told them I wasnt ready to do anything that I didnt want to have my credit ran and they did it anyway I would like to dispute this
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY HAS BEEN COMPROMISED. I HAVE NO IDEA WHO COULDVE DONE THIS TO ME. AS I PULLED MY REPORT I SAW A OUTRAGOUS AMOUNT OF ACCOUNTS UNDER MY NAME THAT ARE NOT MINE. PLEASE DELETE THESE ITEMS FROM MY REPORT. XXXX XXXX {$1500.00} XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$290.00} XXXX  XXXX XXXX {$77.00} XXXX  XXXX XXXX {$100.00}
Product: Checking or savings account

Bank fo America XXXX XXXX 2014 {$1200.00} I WAS NOT ALLOWED TO FILE A DISPUTE WITHIN A REASONABLE TO AFTER LEGAL NOTIFICATION FROM THE FTC WITHIN THE TIME ALLOWED TO REPORT IT. THEY HAVE THE CASE NUMBER WHICH IS XXXX XXXX AND XXXX XXXX XXXX  AT XXXX OR XXXX  HAS BEEN PLACED TO IN HIS POSITION TO REFUND US AT THE REQUEST BY OUR BANK AS A CHARGEBACK.
WHEN I TRIED TO FILE A DISPUT YEARS AGO THEY TOLD ME TO CONTACT WPM AND TRY TO GET REFUNDED. THEY EVEN HAD A REP 3 WAY CALL WITH ME ON THE PHONE. THEN THEY TOLD ME I COULD NOT FILE A DISPUTE THEN EVEN IN THE ALLOTED TIME FRAME. NOW THEY ARE CLAIMING ITS NOT POSSIBLE TO GO BACK ON RECORDED PHONE CONVERSATIONS. THEN WHEN I HAVE REQUESTED TO FILE A DISPUTE NOW XXXX XXXX EXT XXXX.
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XXXX XXXX DID NOT CALL ME BACK AND THEN SENT ME A LETTER CLAIMING IT WAS PAST THE 60 DAY GRACE AND WAS AGAINST BANK RULES AND IT WAS NOT FRAUD EVEN THOUGH THE FTC HAS CLAIMED IT TO BE AND THEY HAVE A CASE NUMBER. HE NEVER ALLOWED ME TO FILE A ACTUAL DISPUTE WETHER IT BE FRAUD OR A BILLING ERROR AFTER PRETTY MUCH BEGGING THEM TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the names and dates listed below under my hard inquiries are recognized by myself nor were they authorized by myself and I have tried to have them removed by contacting the companies as well as by disputing them however they are still showing. 

XXXX XXXX  Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX CREDIT PLUS Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX  Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX CREDIT PLUS Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX
Product: Debt collection

On XXXX I was contacted by a Male who said he was from transworld system about a debt. I told him that I spoke to a lady yesterday or the day before and advised to stop calling me and that they can verify this debt via mail to the address on file. I told him this several times and he continuously talked over me and basically was arguing with me about it. I continuously told him to stop calling me, send this in the mail, or I will file a complaint. I have no idea if this call is truly from who they say they are or if someone is trying obtain information.
Product: Student loan

Immediate Recovery refused to give me correct information on how to get help with defaulted loan status. Instead they made.threats and eventually called the police to the home.
Product: Credit reporting

Transunion has failed to update an address, and released unauthorized credit information to the XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. At no time after 2007 have I authorized any of these entities to receive credit information. The only entity on my credit report that has a legitimate interest is XXXX, who has a small revolving line of credit for about {$1000.00}. 
Someone needs to go after these unauthorized entities. I do not now, nor have I authorized any insurance company to pull credit reports, nor have I authorized the XXXX to pull credit reports after 2007. 

Another problem is the address. I provided proof of address to Transunion, but their web server refused, it and threatened me, indicating I have viewed my credit report four times. 
The correct current physical address while visiting XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, CA, but this is not to be seen, and Transunion wo n't update it.
Product: Credit card or prepaid card

Item was bought on XX/XX/XXXX with a merchant costing {$570.00}. Merchant never contacted me about item. I had to reach out and contact the merchant after 1 week, merchant noted delays. A week later additional delays. I requested a cancellation of order due to delays. Merchant would not refund charge to credit card. I filed a dispute with Apple Card. Case was opened by Apple Card. Temporary refund was giving. Case was ruled in Merchants favor as of XX/XX/XXXX, given that I never received the item and wanted to cancel before shipment and delays of item. Now I have a charge {$570.00} for an item I do not want or never received months later.

In addition, since being Apple Card, when my transaction ran they gave me an Apple Cash of {$5.00}, once the dispute ran Apple deduct this amount directly from my Checking Account, which was not authorized. I would like the {$5.00} Apple Cash credit since this was a transaction, if I am not ruled in my favor.
Product: Credit reporting, credit repair services, 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 # XXXX * Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX *Account name : XXXX XXXX XXXX acct # Act. # XXXX *Account name : XXXX Act. # XXXX *Account name : XXXX XXXX # XXXX *Account name : XXXXXXXX XXXX XXXX XXXXXXXX. # XXXX *Account name : XXXX XXXX acct # Act. # XXXX *Account name : XXXX XXXX # XXXX 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. 16815-2 ( 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: Money transfer, virtual currency, or money service

I disputed a payment with paypal for a transaction. I received a product that was completely different than what I ordered. Paypal communicated to the seller and seller offered partial refund, which I refused since I have no use for the product sent. Paypal said they would continue to investigate, but nothing has occurred since then. Paypal continues to increment the resolution date of my dispute daily and continues to do nothing. Here are some date I officially opened dispute with Paypal on XX/XX/XXXX I was told I could expect resolution by XX/XX/XXXX Each day since XX/XX/XXXX, Paypal has been incrementing the resolution date and continuing to extend it. 
The facts of my dispute have not changed and Paypal is just procrastinating on getting this resolved.
Product: Credit reporting or other personal consumer reports

I requested my risk management report after my insurance skyrocketed. I asked them why and they told me that there was an at fault accident reported in XXXX of 2019. I told them Ive never been in an accident let alone an at fault accident. They informed me that I had to order the report and then dispute it. I ordered the report, however, it was not sent to me. I received a letter with instructions on how to access the report ( see attachment ). I followed the instructions, the link, and attempted to use the PIN, however that didnt work. I understand that things happen but my issue is with their blatant lie. Please take note of the error message screenshot. In there they give a number and specifically state to speak with a live representative which is a lie. Ive called this number as well as others Ive found on their website which lead me back to the same recording and NONE of them offer an option to speak with a human. 

So, they first send me incorrect information for me to access my report then lie about my ability to speak with a human. You see, had they not lied and I actually could speak to a human, maybe my problem would be solved but all over their website they list phone numbers to speak to a human and none of them get you a human. I had to put in another request online to the support team. I finally was able to get someone on chat, they ga e me a number not listed anywhere so obviously its an internal number thats only given out by their support team. 

I called that number and basically get told theyll send out a new letter in 7-10 business days. I already waited the 7-10 business days for the first useless letter and now another 7-10 business days and hope I get the right information. Meanwhile, my insurance doubled for something that is 100 % not mine. I understand this needs to be disputed but it is 100 % inappropriate what I need to deal with and still only hope I get what I requested. 

I think it terrible that nobody holds these reporting agencies accountable. I see all of these laws they have to abide by but they dont, because they dont have to. Were all 100 % at their mercy and NOBODY holds them accountable. 


Of course if I sent my customers letters with a number telling them where to reach a human and that wasnt true, Id be charged with deceptive advertising but here, Ill sit and just keep waiting, paying double car insurance despite knowing unequivocally it does not belong to me or any other family member, and LexisNexis will just continue to list false information, make you wait basically almost a month to hopefully get the correct information only to then dispute information and wait another month because you allow them to do whatever they want! So who will reimburse me for all of the money Im wasting?
Product: Credit reporting, credit repair services, or other personal consumer reports

In ac

cordance 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. The letters are stated with items and issues. 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: Checking or savings account

Robbed me of my right money and slandered my reputation with my credit I had worked for yrs to buildeven went back to previous payments and collected money from the accounts I paid and got confirmation on them messed up my credit with cc they recommended that did the opposite of helping went from XXXX to & XXXX.
Product: Mortgage

Loan # XXXX This loan is currently by Shellpoint serving company, It was previously by XXXX XXXX and they sold it to Shellpoint, They did request to show proof of XXXX XXXX XXXX XXXX policy that i did provide to them in time, and now they requested from the previous year, And i don't that the papers in my file since it's over a year since it was the effect, XXXX XXXX did have that policy showing that it was insurance in place but they did not transfer that doc however they forced me to pay insurance for the last year although i had always insurance in place, there is no guideline I have to keep all policy 's from the prior year in my file