23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Credit Report Hard XXXX Hard XXXX  Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX / Credit Report Hard XXXXXX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX7 XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX Credit Report Hard XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Credit Report Hard XXXX XX/XX/XXXX,XX/XX/XXXXXXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX XXXX Credit Report Hard XXXX Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX  Credit Report Hard XXXX XX/XX/XXXXXXXX Credit Report Hard XXXXXX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Report Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX I have a fraud alert on my reports because XXXX was hacked and my information was given out. I didn't make these inquiries or even start any of these.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached XXXX XXXX. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : 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: Checking or savings account

This stuck on stupid with inept chase bank employees is a flagrant issue. This is NOT the 1st time these clumsy idiots have blundered a fraud claim, and/or a flim-flam con game I reported!!!!!!!!! 1st this was a phony vehicle services contract over the phone, by a worthless company in california, many phony numbers and refusing to get accountable, call themselves vehicle XXXX and were purposely deceptive claiming they represent XXXX XXXX XXXX, they do NOT? IT is a scam, plus they have many malignant complaints. I reported this scam to some clumsy foreigner at chase, I could barely understand, obviously NOBODY competent at chase that knows what fraud means, Today these blundering idiots reversed this fraud claim gave this sham company my money and caused me a idiotic and rageful overdraft problem. Last time I reported a clumsy conniving scam one of the chase inept idiots said because I gave this criminal my debit card number that makes it okay to cheat me? Clumsy mis-managed bank
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Product: Debt collection

These company calls multiple times a day and night from various local numbers over and over but when you pick up there is nobody there. Apparently by looking them up on google they are a debt collection company. I dont owe a debt.
Product: Checking or savings account

My Boyfriend and I were defrauded of a total XXXX from both of our accounts from Chase. On XX/XX/year> @ XXXX I received a call from XXXX XXXX department XXXX that that someone with my ID tried to withdraw {$8000.00} from my checking account @ XXXX XXXX XXXX XXXX in XXXX XXXX XXXX The Chase employee that called name was XXXX XXXX XXXX and He put me through to his supervisor XXXX XXXX XXXX. XXXX instructed me to go to that Chase Bank at XXXX XXXX XXXX and withdraw {$8000.00} from my checking and She had upload a new XXXX XXXX in my XXXX wallet with number and pin. XXXX told me to scan the card at the ATM and deposit into the new XXXX XXXX and email her the receipt and then delete the card from my XXXX XXXX Which I followed XXXX 's instructions, XXXX and I did this over the week withdrew the funds from my Checking and then my XXXX til my funds were completely depleted. Where I would withdraw the funds from and then XXXX would give me another XXXX card number to upload in my XXXX wallet and scan the card into ATM machine. XXXX alerted me of not to speak with Chase tellers because the were involved in the scam trying to steal from Chase customers. When I called Chase Customer service they stated they saw no RED FLAGS and could be possible. I constantly asking XXXX XXXX and XXXX that I was concerned with what was happening and how I felt uncomfortable with it but they reassure that everything was fine over and over.Then they preceded do the same with my Boyfriend Checking account where He depleted his funds also.This happened over the XXXX XXXX and XXXX told us that we would be receiving a new ATM over the weekend of XXXX and it NEVER ARRIVED. We realized we were scam on XXXX when to the Chase and spoken with them and they stated that since I and my boyfriend willingly withdrew the funds that there was nothing they could do for Us. We Filed a Police Report and Notified FTC, send letters to District Attorney Of XXXX, FBI, Attorney General, XXXX XXXX XXXX and XXXXChase  Bank has the reports of my withdraws and deposits from Tellers and the deposit into their ATM but they REFUSED to do so. I have XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX helping with case.
Product: Credit card

I received a bill from XXXX Synchrony bank, where I have had a credit card for a year and a half. The bill was for {$49.00} : {$23.00} for the amount past due and {$25.00} in fees charged. I had previously sent a check on XX/XX/XXXX for {$23.00} ( the total amount due on XX/XX/XXXX ). I checked with my bank and found out the check was not processed until XX/XX/XXXX. I know that mail from Alaska XXXX take a little extra time, but it doesnt take 18 days for a check to go from XXXX XXXX XXXX XXXX Texas XXXX To XXXX credit, they did say that the late fees would be credited to my account, but admonished me that I needed to allow 7 days for mail to reach them (! ). I believe that XXXX to XX/XX/XXXX is 8 days, not XXXX. No inquiry is necessary for me ( as long as they dont send me any more bills ). I have closed my account with them, but am submitting this narrative in case others are having similar experiences with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a car dealership to apply for a car loan I was told only one bank would pull my credit report how ever I recently reviewed my credit report and found multiple Hard inquiries that I don't recognize I have listed them below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing that I owe {$420.00} on my credit reports I have never had a XXXX XXXX  account. I never ordered anything from XXXX I checked with the post office and nothing was ever delivered to my PO box from XXXX if something was delivered you would have a signature please send a copy of the signature this is not my account please delete from credit reports today
Product: Checking or savings account

I made a deposit to my checking account with Citibank on XX/XX/2018. I deposited a check for {$130.00} and {$19000.00} for my HO claim opened with XXXX XXXX. The checks were made payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and endorsed by them and myself. I have been following up on my deposits and was told I would gradually have the funds available in the account. I was told that on XX/XX/2018 I was going to have {$200.00}, on XX/XX/2018 I was going to get {$400.00}, on XX/XX/2018 I was going to have {$4400.00}, and finally on XX/XX/2018 I was going to have the remaining amount of {$15000.00} available in the account. As of today, my funds are not available and was told checks have been returned. They are not giving me reasons why the checks got returned. I attempted to speak to a supervisor by calling ( XXXX ) XXXX and after providing all info requested so that they speak to my wife, she was told there was an emergency and that she would get a call back. XXXX, the supervisor, said she had a bad stomach ache and was needing to go to the bathroom. My wife was told she would get a call back within 3 min and it is XXXX PST and no call has been received. I attempted to get answers by chatting with a bank rep since they provide that option when you log on to the account and again, no information can be provided. I was told to call customer service. I need this resolved by the end of today, Friday XX/XX/2018.
Product: Debt collection

I was contacted by National Credit Adjusters on XX/XX/XXXX. The company is trying to collect a debt that does not belong to me. Also, this company is not complying with the FCRA, according to the SC statue limitations for debt collecting is 3 years. The date on the bill is dated XX/XX/XXXX. The bill amount is for {$900.00}, I will be sending them a certified validation dispute in the mail on XXXX asking for signed contracts and proof that the account belongs to me.
Product: Debt collection

I received 2 threatening voice mails over 2 days. On day 1, the man stated that his name was XXXX XXXX and that he was assigned to my area to deliver sealed documents and that he would be coming to house tomorrow and I " better make myself available and that he will seeing me soon ''. On day 2, the message said, " ( My Name ), I 'm coming to your job right now, I will talk to your supervisor or HR, then go to your house or relatives house to find you. You will answer the door and accept the documents or it would be documented that I am refusing ''. I XXXX the phone number that was left in the messages for me to call back, XXXX, and there are COUNTLESS complaints online from numerous consumers all receiving the EXACT same threatening messages. I decided to call the number and was very upset. Number connects to a company called Creekside Recovery and Capital Management, then connected to me to a woman. I was very upset and told the woman that I received threatening calls from her company, and I could not believe the behavior exhibited by the caller. The woman rudely replied back, Ma'am, Ma'am, Ma'am, is this " My Name ''. She obviously had caller ID, and when I said, yes, she told me I was being sued, but did n't go into specific details. I told her that was ridiculous and that they were to never call me again, and told her that I already reported them to police and FTC. She then hung up on me. 

Please do what you can to stop this. I have never in my life, felt so threatened. I still have the voicemails and played them for the police, who told me to ignore the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter with an FTC report included to XXXX and Equifax on XX/XX/18 regarding a few hard inquiries that were not authorized by me. Neither credit bureau has resolved the issue so I would like for you guys to help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand what is going on with XXXX. They reported a missed payment for XX/XX/2023 while I have made my payment and I have attached the receipt on here. From their own website ( XXXX ) as of XX/XX/2023 my balance was {$250.00}, I have attached a screenshot on here for review. I then paid {$250.00}, I have also attached the receipt here. Surprisingly, after that payment my balance went from {$250.00} to {$4.00} instead of {$0.00}. Nevertheless, I paid the {$4.00} and my balance shows XXXX XXXX XXXX  ). I do not understand why they reported a missed payment for XXXX while I have made my payment. Remove that missed payment. I have paid and I have uploaded the proof
Product: Credit reporting or other personal consumer reports

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Product: Credit reporting

I did a dispute on a company on my credit with information showing it was a false report and they failed to respond to credit reported from XXXX for a XXXX housing authority she sent proof as well it was false reporting they failed to respond to me with in 30 days they said they sent it to my email but when I went to email and clicked on there link I was blocked from my account to check status then I called and they said I had to send originals of birth certificate and drivers license to prove identity I said not even so they said the can not release my account to check status not a copy an original This is the information showing all transaction took place as of XX/XX/2016 and we were moved out by the end of are 30 day noted and the credit reporting agency said ok but they did not contact company or respond to me so I called them and said they did not respond to me within 30 days and they said they didnt care and hung up on me 8 times. 
Then they sent it to the special handling unit and the man refuses to return calls or respond to the problem when I do get him on the phone he gets my name then hangs up he is the man in special handlings unite assigned to my account when they added a fraud alert I did not request. 
And when I sent the information showing it was false reporting same as what I attached to this complaint they sent it back and said the can not use this information so they are returning it to me.
Product: Credit reporting or other personal consumer reports

I have filed a Report with FTC ( REF # XXXX ), regarding the following unauthorized Inquiries on my Consumer Report. 
15 U.S. Code 1681 b - Permissible purposes of consumer reports I did not give verbal or written permission for my information to be shared with Credit Reporting Agencies, this is violating my rights as a Consumer. 
The following XXXX XXXX ran XX/XX/year>, HARD INQUIRY XXXX XXXX XXXX XXXXan XX/XX/year>, HARD XXXX XXXX XXXX XXXX ran XX/XX/year>, HARD INQUIRY Thank You,
Product: Payday loan, title loan, or personal loan

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting

there on collections on my credit report that are not mine. There are some I have removed by dispute on XXXX bureau but cant remove on the other. Medical system data for XXXX is on equifax but not trnasunion had constant health insurance for over XXXX years XXXX is on equifax not transunion never had dish network live at my address for over XXXX years with directv sterling card once again on equifax buisness credit card never had my own business been at same employer for XXXX years and jefferson capital on equifax is a cell phone that was returned to verizon through ups because of no signature that was required
Product: Credit card or prepaid card

This is my Bank if America credit card. I paid my balance in full and was still charged a late interest fee. They call it trailing interest. I used their default setting to pay of my bill and was still charged. This is highly deceptive. I tried calling and was unable to get any type of response. I will be canceling my card and never use Bank of America again for any service.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was a victim of XXXX XXXX  and a victim there are certain things on my credit report that I did not consent to that I would like to have removed
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiry on my credit report from the companies below.
Product: Credit card

In XXXX, I found that {$150000.00} was transferred from my bank savings card to a bank called Fidelity. I called them and they said it was an account opened by my SSN, which I did not open. Then I asked them to freeze the account and told XXXX XXXX XXXX. Then my XXXX XXXX  card was stolen many times and I closed the account. I had frozen my credit in XXXX, but I still received a credit card from XXXX and then closed the account. Recently, I received a bill for XXXXXXXX XXXX internet bill of {$3000.00}. I also received a repayment bill of {$5000.00} from Capital One, and I never received a credit card before. I subscribe to the USPS service, and they will take a photo of my letter before sending it to me. But I have never received a card from Capital One. I contacted customer service and they told me that there was no fraud. I feel angry, this bank is so ridiculous. In addition, I learned from the announcement of our community that there were many mailbox thefts in the XXXX zip code. I am not sure if it involves me, but I am sure that my SSN and credit are in a very unsafe place.I have contacted capitalone multiple times and have only received one letter stating that there is no fraud. This is ridiculous, I have never opened this card, I have never used it. I was not even in the US from XXXX to XXXX.I have already reported it to the FTC, this is my reference number XXXX
Product: Checking or savings account

My debit card was stolen on XXXX and the person made 8 fraudulent charges i on the XXXX locked my card upon realizeing the charges, contacted usaa to report fraud as well as requested a new card. 
I also filed a police report with the hobbs new mexico pd and provided the report number to the customer service rep and uploaded pictures of the report number officer name and contact Usaa credited a tempory reimbursnent to my account but within 7 days reversed the credit and sent me a notice state the invesigative team decided XXXX fraud occured. I requested a appeal and supporting documents that show how the decision was made. They just state i can not contact the fraud team and they would submit a request But fail to provide a written response Customer service all states they can submit a appeal but the case is closed I supplued the police report suppirting documents a written statement but keep getting the run around This has happend to us as well with a money order stolen from our vehicle for XXXX dallors. They concmuded it was not fraud and reversed the temporary funds with no explanation even thoigh i requested one. This took place on XXXX fourth when i reported it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Credit accounts, addresses, and inquiries appear on my report that do not belong to me.