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

It appeared that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$550.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Debt collection

There is a collection my credit for {$140.00} i do not owe this company this amount of currency. i filed a dispute with the different credit bureaus and there was not anything beside them asking XXXX to look at the collection again. I discontinued my service but they were trying to charge me for the equipment. I told there representative that I would go into an XXXX location and drop it which i did at XXXX XXXX XXXX XXXX  XXXX MD XXXX. They do not give you a receipt they just told it would be logged in there system so if they did not do there due diligence of ensuring this equipment was logged and reported that is not on me. 
Also per the FCRA 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit report that isn't mine. Please remove them.
Product: Credit reporting or other personal consumer reports

I have been dealing with this fraudulent information that is damaging my report and stressing me out. I am very upset as I have asked TransUnion and provided them with the FTC identity theft report that is notarized documenting this fraudulent information.
Product: Checking or savings account

Theres too many dates to listed. I have been impact by covid. I have done my best to maintain account with funds. What I dont understand is if the account is low or has no funds then why wound the bank go ahead and paid leaving a negative and then charging overdraft fees. I have bit sign up for a protection and I have tried to address the problems numerous times and I get the same reason that they have the right the charge the overdraft fee. Well if you have the right to charge the fee then you also have the right to decline payment. I need this to be address and stop. I have been negatively affected by this and covid and its so unfair and no justice.
Product: Money transfer, virtual currency, or money service

BlockFi has frozen my XXXX in my wallet vs the BlockFi Interest Account. Terms of service did say they can stop withdrawals but it also said that I own and in control of what is in my wallet. XXXX accounts would be subject to XXXX during the bankruptcy but my wallet was supposed to be secure with XXXX and only me having access to it.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I found a series of accounts that were opened and being used without my knowledge, consent or authorization. 
This capital one account is inaccurately reporting I owe a XXXX balance on a closed account. 
This is not my account delete immediately. 
I tried contacting the furnisher Capital One directly via telephone and by mail formally requesting the information be removed but nothing has changed. 
Again this is not my account, but despite communicating this to none effect nothing has changed nor have I received any notice that assures this false inaccurate information shall be removed immediately. I have filed a dispute with the FTC and also I have sent the affidavit.
Product: Debt collection

This company has called me in XXXX week almost XXXX times. They call from different numbers using area codes that are in close proximity to the area code of the number being called. I asked a representative on XX/XX/year> to please remove the number from the call list. On XX/XX/year> a representative name XXXX XXXX called the number saying that he had been working with me for several months. I was unaware of communication with XXXX XXXX who was calling from the same company in which I received a called from the day prior. Its almost they try to use mind games. I dont know if this is a scam due to the several numbers they have called from.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows as closed on transunion instead of paid. I shows as paid on XXXX  and XXXX. last avtive date should say XX/XX/2020
Product: Credit reporting or other personal consumer reports

Since XXXX my identity was stolen I put an alert on my credit file. In XX/XX/XXXX, I was in the process of buying a house I gave permission to a mortgage company to run my credit, there was a fraudulent account on my credit report associated with XXXX under a company name XXXX XXXX XXXX. I immediately contact XXXX, the three credit reporting agency, XXXX XXXX XXXX as well as filling a FTC fraud report ; the matter was investigated by XXXX, Experian, XXXX, XXXX and was removed from my credit file on XX/XX/XXXX. 
This year a company name XXXXXXXX XXXX XXXX  called my phone 7 times a day, I thought it was scam, after many calls and no messages I called them back. Experian now fail to to a proper investigation nor looking at the previous cases or the evidence of fraud that I have submitted. I was asked to pay them the money or they said I owed on a XXXX  account, I told them I never have XXXX. a few days later the account appeared on my credit file when I looked closely it is the same fraudulent account that I have previously disputed and was removed from my file in XX/XX/XXXX. I called XXXX which is now XXXX the manager I spoke with told me that matter was resolved and I don't have any account with them. I reached out to the credit bureaus and the company nothing has been done. I believe that they are using this to extort money from me. 
I have had a identity fraud alert in my credit since XXXX after my identity was stolen and I have previously from several complaint with the FTC regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22. I sent a letter to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Their respond was investigation complete report by furnisher data. Still on my credit report. 

On XX/XX/22. I sent a credited letter again to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Sold to Jefferson Capital Systems , LLC. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. 

Yet again. On XX/XX/22 I sent another credited letter to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Sold to Jefferson Capital Systems , LLC. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. 

In the past two months. I've add to receive any documents bearing my signatures, that state I own this debt and nothing was send only " investigation complete report by furnisher data ''. Still no documents of any kind with my signature proving I own the charge of debt was even sent. I want so help in the matter. Thank you in advance. Namstes and have a peaceful day.
Product: Debt collection

Rubin & Rothman XXXX XXXX XXXX XXXX, XXXX, NY XXXX  Phone : ( XXXX ) XXXX they levy my personal account for over {$9400.00} and they did n't send me mail or call me to about the debt i have left them morethan 20 messages and they never called me back or pickup my calles to review the issue.
Product: Credit reporting or other personal consumer reports

I requested that NCB Management to provide me with Validation documentation. I never received the documents with my original signature. This is the 3rd time I have disputed this information with XXXX and NCB Management yet the debut keeps showing up. Both the credit agency and the debt collector are more than aware of what I requested. I have made this request through CFPB, NCB Management, and XXXX yet it is continuously places on my credit report and has never been validated. Im XXXX  of it. They have failed to comply with 15 USC 1692g of the Fair Debt Collection Act repeatedly. At this time both XXXX and NCB Management Solutions have only 4 days to respond. No. I will not give them 15-30 day since this was addressed multiple times already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquires ( inquiry date ) on my credit that I do n't recognize or did n't authorize : XXXX/XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XXXX XXXX : XX/XX/XXXX XXXX XXXX-XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am truthfully asking the XXXX and Equifax XXXX to please REMOVE these fraudulent inquiries from my credit reports. As I have been telling you that these inquiries were unauthorized. And I need them to be removed from my credit reports. I understand the significance of preserving an precise credit reports, and I believe that the removal of these inquiries is crucial for my financial security : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX American Express cancelled all of my credit and charge card accounts. I have been a long time customer with a perfect record of paying off my cards and never missing a payment. I always paid my cards balance in full and have an excellent credit score.

I tried to reach out to American Express, but the agents had no clue why my account had been closed. I never received any notification or warning and they closed all of my cards. 

I am still in disbelief that they can treat their customers in this way for no apparent reason. I never did anything that wasn't allowed and always paid off my cards.
Product: Credit card

Citi AAdvantage sent me a letter stating they " need more information to process your application '' for a Citi/AAdvantage Platinum XXXX XXXX XXXX account. They said " we are reviewing your application '' and then ask that I call them to verify my SSN. I did not apply for a Citi/AAdvantage credit card and believe they are making fraudulent statements, fishing for my business. I called to report that I did not apply and they asked for my personal information - name, SSN, birthdate - which I refused to provide. I gave them the application ID and they said they needed more personal information to help me.
Product: Credit card or prepaid card

On XX/XX/22 my Comenity XXXX  MasterCard was fraudulently charged {$67.00} for a XXXX purchase I did not make ( this was a a XXXX breach as several of my cards on file with them were charged with erroneous orders ). I was contacted via text to verify if the charge was mine, to which I responded it was not. I was contacted by their fraud department and told it would be investigated and a new card issued. To date, I have not received a credit for the charge, nor have I received a replacement card. I have tried to log into the site multiple times and it has been down ( to the point they are waiving late payment fees ). After multiple attempts to call them to resolve this, I have currently been on hold with their fraud department for over 1 hour, with no end in sight. This is not okay. I am very concerned about the safety of my personal information and the inability to make contact with the company.
Product: Student loan

When they initially called me, I was told to pay a certain amount of money and then I will be back up to date. I paid the money and my credit score was still hit. Then I asked for a forbearance and I was told that I can not get anymore forbearance on my account. Then two weeks ago I called again trying to get help with paying back my loan however I was told to look into the Mohela website and look up " bad schools '' on the website to get assistance with schools that lost accreditation ; which happened to be my schools. And the information did not exist. Since these loans were taking out I have not been able to secure and housing because they have affected my credit so bad. I have reached out to no avail to obtain assistance however no one in either agency wants to help me. These same loans have been passed from XXXX, to XXXX, and now to Mohela and I still not receiving any payment assistance on a school that no longer has accreditation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several items that are currently listed on my credit report. I have recently reviewed my credit report and have found several negative items that require your attention. I am requesting that you either provide me with clarification regarding the information listed or delete the items immediately from my credit report. 

Firstly, regarding the following accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account names and numbers listed are questionable. I request that you either clarify the information to me or remove these accounts immediately from my credit report. 

Secondly, the following personal information is incorrect : XXXX  and XXXX. These are not my employers, and I demand that they be deleted from my credit report immediately. 

Furthermore, I have no recollection of authorizing several inquiries that have been made on my credit report. Specifically, I demand that you remove inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no recollection of authorizing these credit pulls, and I demand that they be removed from my credit report immediately. 

Lastly, I request that you either clarify or remove the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires clarification or removal. 

I am requesting that these items be removed or clarified as soon as possible. Please provide me with written confirmation of the actions taken to resolve these disputes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I have a loan through Discover. I 've always paid on time. Around six months ago, I had a problem with the automatic payment & it did n't go through, so I called & made the payment. they were going to have the late payment taken off & get back to me. They never did either. I called them again & they said they 'd do both-but never did. Then I accidentally made two payments in one month which I could n't afford & they said they 'd ckeck into getting one payment back to me & also reverse late payment charges & get back to me. They did get my one payment back to me but never reversed the late payments & once again did not get back to me. The late payment is increasing & I need help with this. Also for some reason my payment has increased slightly & this is in addition to the late fees. I spoke to them about this & they were going to fix it but never did.l
Product: Credit card

BofA used to send an email regarding suspicious activity and was resolved over the phone if it wasn't your charge. Now they just cancel your card immediately. I've had to get a new card 11 times now since XX/XX/2022 ; my last card lasted 24 days. I don't think enough is done to keep me 'consuming '. While I appreciate their diligence finding fraudulent charges I don't like constantly changing card numbers. I can't believe the world is so corrupt that a retiree can't even enjoy being retired. My new job is updating payment information at every turn. I imagine my payees aren't too thrilled either since they have to notify me if it falls around a billing cycle, which is constantly. I want them to go back to just declining the payment and let me merrily skip away.
Product: Checking or savings account

Subject : Formal Complaint Against Chase Bank for Unjust Handling of Unauthorized Transactions To Whom It May Concern, I am writing to file a formal complaint against Chase Bank concerning their alarming mishandling of a case involving unauthorized transactions on my account. The events in question occurred on XX/XX/XXXX, when I fell victim to a horrifying incident involving drugging, robbery, and XXXX assault by an individual currently wanted by the FBI. During this traumatic event, the perpetrator exploited my unconscious state to conduct unauthorized bank transfers using the Chase app on my phone. 

I promptly reported this crime to the local authorities and provided Chase Bank with a comprehensive set of evidence, including official documents related to the ongoing criminal investigation. Despite the gravity of the situation and the substantial evidence provided, Chase Bank has inexplicably chosen to deny my legitimate claim for a refund. Their denial is grounded in the absurd assertion that the transactions were authorized using XXXX ID. I reiterate that I was unconscious at the time of these transactions, rendering any form of authorization impossible. 

Chase Bank 's refusal to refund the funds fraudulently taken from my account is not only unjust but also deeply insensitive to the trauma I have experienced. I have attached copies of the evidence submitted to Chase Bank for your reference. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter, holding Chase Bank accountable for their negligence and insensitivity. I request the following actions be taken : 1. Investigate the case thoroughly, taking into account all the evidence provided, including official documents related to the ongoing criminal investigation.

2. Ensure Chase Bank refunds the funds that were fraudulently taken from my account due to these unauthorized transactions. 

XXXX. Hold Chase Bank accountable for their failure to provide adequate customer protection and for dismissing a case of such gravity without due consideration. 

I appreciate your attention to this urgent matter. I expect the Consumer Financial Protection Bureau to act promptly and decisively to rectify this gross injustice. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or clarification. 

I look forward to your prompt response and a resolution that upholds the principles of fairness, justice, and consumer protection. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX Inquiries that I didn't file for
Product: Money transfer, virtual currency, or money service

I was charged XXXX dollars on XX/XX/24 for a payment to a XXXX XXXX. I do not know a XXXX XXXX. XXXX disputed it and PayPal said I owed the money and provided me no proof. I requested it from XXXX and paypal and got the run around. No response. PayPal and XXXX refuse to do anything. Transaction ID XXXX
Product: Money transfer, virtual currency, or money service

No response as of XXXX XX/XX/2023 regarding my request on XXXX XX/XX/2023 to withdrawal my cash funds to my linked bank account ( XXXX ). It has been over 30 days since I requested a withdrawal to my linked account. I have email numerous times regarding ticket # XXXX. 

Transaction # XXXX Blockchain continues to hold my withdrawal request to my linked account ( XXXX ), Please assist XXXX XXXX XXXX
Product: Debt collection

Stallings Financial sent me a letter stating I owed them money in late XX/XX/XXXX I en turn wrote them within 30 days to validate the debt. I never received any correspondence from Stallings validating the debt. I sent another letter in XX/XX/XXXX stating I had not received any validation of the debt. Stallings Financial sent a letter dated XX/XX/XXXX stating my dispute was frivolous. I have not received any documentation stating the debt is valid.
Product: Credit reporting or other personal consumer reports

I believe that these collections are being reported in error due to [ insert reason here, such as : " these accounts have been paid, '' " these accounts do not belong to me, '' or the information is inaccurate '' ].
Product: Debt collection

On or about XX/XX/year>XXXX  I called Momnt to discuss my balance, Momnt who was a 3rd party lender to XXXX XXXX XXXX XXXX informed me my loan balance was {$7000.00} I told Momnt I did not do the full 12 week treatments only 6 weeks and was told by XXXX XXXX I was only responsible for 6 weeks of treatments. Momnt said they will contact XXXX XXXX of the overpayment, I was told they were still trying to contact XXXX XXXX when I call them for the first update, then I was told they can not get in touch with XXXX XXXX, then I was told that XXXX XXXX went out of business and I was responsible for the full {$7000.00} 4 weeks before high interest rates started accumulating on the loan.