23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

XXXX I called XXXX XXXX XXXX emailed me and communicated in the email she would be my direct contact she listed a contact number with ext number unfortunately she does not return calls she has failed to talk to me .she continues to use ai generated statements which she is not address an fraudulent id on file. She claims I sent the fraudulent id from banking center which is a lie I've never seen this is d until XXXX sent the id amongs other paperwork related to my claims. If XXXX truly investigated and reviewed the documents I sent and reviewed manager notes she would realized the error and notice MY REAL ID. IS NOTHING LIKE THE FAKE ID I ASKED FOR A DETAILED REASON ON WHY MY EVIDENCE ISNT BEING USED. WHY ARE THEY RELYING ON FACTORS AND INDICATORS THAT Aren't TRUE. XXXX IS GAS LIGHTING ME NOT DOING ANYTHING TO FIX THE ISSUE SHE IS USING AI GENERATED DENIAL STATEMENTS THAT DO NOT MAKE SENSE I WANT HER REMOVED FROM MY CASE SHE IS WORKING XXXX MON THRU FRI CANT ANSWER THE PHONE NOR RETURN MY CALLS SHE SENT ONE EMAIL I NEVER HEARD FROM HET XXXXXXXX XXXX XXXX  I was given a XXXX box from XXXX XXXX resolution specialist from Bank of america . In this box was a driver license of a person who is not me .the driver license is fake. Bank of america has refused to except all my request to accept that this account was an account take over iam a victim of identity theft. Clearly the back office isn't doing proper investigating because they over looked the clear and obvious that someone used my account activated my debit at an old address that I don't know never gave permission to use. Bank of america allowed a fraudster to take over my account. I sent evidence I sent police report I sent texts I gave identity theft report all has been overlooked I have recorded calls with managers and employees from the claim department that is mind-blowing and shocked that the back office has not addressed and fixed the problem. XX/XX/year> at XXXX XXXX XXXX claims department manager noted a detailed note on my claim for this issue to be corrected he admitted the there is error on bank america behalf card ending XXXX had transactions the refunded and claim ending XXXX for XXXX shared the same card and has not been paid out. XX/XX/year> at XXXXXXXX XXXX I spoke to XXXX that admitted the back office don't review documents faxed in they go off past investigations of denials. Which makes sense on why the claim gets denied within 24 hours XXXX also pulled up the fake driver license the same one XXXX XXXX mailed out to me and he filed a report for this to be looked in XX/XX/year> my claim was denied after proof of my account stolen after proof of a mistake error. After numerous contacts of detailed information expressing and pointing out the obvious that the card was not received by me and it is a clear case of fraud
Product: Mortgage

Dear Chase I appreciate your letter Dated XXXX XXXX, XXXX. 

Chase its been over two years of research on my own Chase after many questions, research, and more questions we agree on a few findings and discovery. 
Chase as stated in your letter you have responded with letters from XXXX to present. 
Chase each of my letters and request are connected by property however different questions and or new information and discovery. 
Chase you stated if I have new research, and or discovery to provide for review - what I continue to provide. 
New Information was provided- Notary XXXX XXXX Chase the information provided regarding notary XXXX XXXX was provided as requested for errors and omissions. 
The certified no record of TDUS in XXXX XXXX notary journal- discovery within the last year. 
Chase last letter advised me to contact WaMu bankruptcy attorney - I contacted attorneys in XXXX XXXX. 
Discovery as of XXXX XXXX - WaMu bankruptcy attorney confirmed no knowledge or disclosure of recession from XX/XX/XXXX.- requested a copy, I provided XXXX XXXX. 
I believe request by Chase to provide detailed documents have been met. 
Chase has stated in a few letters XXXX XXXX XXXX handled file until last quarter of XXXX. 
Chase what do you do in a case of so many confirmed errors? 
Chase when you discovery this type of negligence by third party XXXX XXXX XXXX - what is the process to address the errors?
Product: Checking or savings account

Money was left in my account and wells Fargo closed it without dispersing XXXX fund 's
Product: Debt collection

On  XXXX   XXXX ,  2017, I wa s contacted by Direct Revoevery Services which indicated I owed a debt and that they had personal information which indicated I had to pay the debt. This initial contact was via voice mail. I contacted them concerning the voicemail and spoke with an male who refused to provide me with specific information regarding the debt. He was rude and kept insisting that I had to pay the debt or else. He further indicated that he was NOT going to provide me with any written information as requested regarding the debt. He refused to answer any questions I might have only repeating that I had to pay the debt.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/CARE CREDIT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I have been a consistent victim of identity Theft. I have lost years and hours and a lot of money and time trying to fight The false information on my report. I've had multiple credit cards used on my report opened in my name, loans, phone bills and internet bills used in my name. I've recently had multiple inquires used in my name and false accounts opened in my name with no information on who and how. 

Pursuant to section 605B of the Fair Credit Reporting Act, it is by law which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Below are the accounts listed have been sold to multiple debt collectors with my stolen identity information. I Have attached my identity theft report. Below is the information, inquiries and addresses listed which incorrectly appears on my credit report that needs to be removed and blocked from my credit report : For XXXX : XXXX : {$290.00} XXXX XXXX : {$300.00} - Account : XXXX Credit Cards : XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Loans : XXXX XXXX XXXXXXXX : XXXX XXXX  : {$650.00} Account : XXXX XXXX XXXX  : {$210.00} - Acct : XXXX XXXX : {$180.00} - Account : XXXX For Equifax : XXXX : {$290.00} XXXX : {$1800.00} - Acct : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$120.00} XXXXXXXX XXXX XXXX XXXX : {$240.00} - Acct : XXXX Fraudulent Openings used in my identity : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, XXXX Fraudulent Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the major three credit reporting agencies on several occasions to remove this negative and erroneous information but they have failed to respond to my requests
Product: Debt collection

This is for a credit collection on my credit report that I am not familiar with. This is Jefferson Capital LLC in the amount of XXXX and XXXX dollars on my report. This is not my credit as my credit has been compromised in their data breach for XXXX, XXXX, and XXXX XXXX. This is not my credit as I was not supplied a wet signature to state promised to pay the debt. It is in violation of my consumer rights according to US code 1605. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from XXXX Credit Bureau that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that XXXX Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Citi Bank, the credit card issuer for our AAdvantage Mastercard, charged us interest even though we paid more than the statement balance before the due date. 

Statement eding XX/XX/year> : Minimum Payment - {$61.00} Statement Balance - {$100.00} Due Date - XX/XX/year> Payment, XX/XX/year> : {$1300.00} Interest charged on XX/XX/year> : {$49.00} Company waived the interest charges as a one-time courtesy, but could not explain why I was charged interest in the first place. They also did this to my parents, who are religious about paying their balance in full as soon as the statement arrives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT GIVE WRITTEN CONSENT FOR MY INFORMATION TO BE PUBLISHED ON MY CREDIT REPORT In accordance with the fair credit reporting act, the following creditors have violated my rights XXXX XXXX XXXX XXXX ... ... ... XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accoun t XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, Department of EDXXXXXXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX. 15 U.S.C. 1681 Section 602A states I have a right to privacy. 15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report with all XXXX XXXX and XXXX on XX/XX/year>. I identified the following issue my wells fargo acct with reaging my account. acct was past due XXXX in XXXX, XXXX in XXXX and XXXX XXXX. then show 's current on XXXX & XXXX which i never paid in XXXX or XXXX, then started over again XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, apr XXXX and XXXX XXXX when this account has not been paid since XXXX of XXXX. I would appreciate any help with resolving this matter. as i thought reaging was not legal to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, during the past year, has been the only Credit Reporting Agency, that has accepted XXXX XXXX 's negative reports that XXXX XXXX has submitted since XXXX XX/XX/XXXX in retaliation for my having sought legal assistance against XXXX XXXX fraudulent means of getting me to buy their timeshares. 
Experian has disregarded all the facts that I have provided to them that proves that the reports that XXXX XXXX submitted to them are FALSE or INACCURATE. 
They have concluded all their responses to my disputes by saying the following : " We contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported I believe that they, Experian, must have some sort of arrangement with XXXX XXXX for the purpose of continuing to damage my credit record. I say this, because on XXXX XX/XX/XXXX. Experian reduced my credit score by seven ( 7 ) points when XXXX of my credit cards at XXXX XXXX XXXX billed {$95.00} in annual fees. Experian stated that they were reducing my credit score because I had significantly increased my indebtedness, which was XXXX ( XXXX ), meaning that I did not owe a XXXX to anyone, before XXXX XXXX XXXXXXXX billed me the {$95.00} annual fee. THIS IS THE MOST OUTREGEOUS credit reporting offense that I have seen in my entire life. 
In the attached report, I will show that Experian allowed XXXX XXXX damage my credit record by accepting the following FALSE or INACCURATE reports : o On XXXX XXXX, XXXX XXXX reported that I had three outstanding Loan Accounts with them, instead of two. 
o On XXXX XX/XX/XXXX, XXXX XXXX reported that I was XXXX on Account # XXXX, instead of the actual date, XXXX XX/XX/XXXX, that I was XXXX delinquent on my account o On XXXX XX/XX/XXXX, XXXX XXXX reported the FALSE Payment History of my account # XXXX, that I had paid their installments until XX/XX/XXXX, instead of XX/XX/XXXX XXXX
Product: Debt or credit management

I paid a settlement debt of XXXX dollars to world finance. They promise to email me my statement and to delete this off my credit report.However, it keeps popping up not paid on my credit report and showing the XXXX dollars balance which was owed.They will not give me a statement saying it was settled.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I have been an customer w/ PayPal for many years. I received an email on XX/XX/2022 at XXXX a.m. eastern time stating that my PayPal account was permanently limited/ banned due to potential risk. The PayPal account was last used on XX/XX/2022 which was utilized as an payment method for an transaction. I do not sell goods, I do not own a business. My account is strictly personal usage only. I do not export or import goods, I do not send or receive money using the account. I am simply an regular consumer whom uses PayPal as a safety net when shopping online. There is only three reasons my account MAY HAVE been banned for : First reason could be that PayPal closed and initiated a new account for me on XX/XX/2022 due to my previous one ( that I used for years ) being created in another country which I was unaware of when I was XXXX XXXX military. Secondly, the mobile devices I use to access PayPal services automatically uses an VPN which triggers PayPal 's banking system of suspicious activity. Thirdly, I ordered an PayPal prepaid debit-mastetcard card and did not activate it as of yet, which is my legal right. 
For these reason 's my account should not be delayed for 180 days or permanently restricted to limited use/banned. I am in good standing across all PayPal platforms and have never attempted or thought to commit fraud or infringement against or upon PayPal 's terms and agreements of services.
Product: Credit reporting or other personal consumer reports

Last XXXX around the first week while trying to buy a house for my family, I found discrepancies in my credit reports with Equifax, XXXX, and XXXX, as per 15 U.S.C. 1681.

Since then I have been promptly contacting all three credit bureaus to address the issues, requesting the It's crucial to eliminate any fraudulent accounts promptly. requesting removal of outdated addresses, unauthorized inquiries, and the closure of erroneously reported accounts, both online and via phone communication. 
According to 15 U.S.C. 1681, such inaccuracies should not be present on credit reports as they can damage one 's reputation.
Product: Mortgage

Freedom mortgage states to have not received the remaining documents they've requested. I've faxed them and emailed all of the documents requested everyday in the past week. 

Im also being advised I have a sale date set on XX/XX/. However, when I look at the XXXX County CAD website, the auction appears to be on XXXX. 

Freedom mortgage stated my auction is on XX/XX/XXXX. I do not understand how a legal county website is reflecting incorrect information, or if I am being advised of incorrect information. 

I have proof of documents being emailed and proof of documents sent via email yet they have no information on the remaining items sent, in which they requested.
Product: Debt collection

XXXX I received XXXX calls today from XXXX at Portfolio Recovery Associates. XXXX stated that I had a payday loan in XXXX ( I filed bankruptcy in XXXX ) and that my wages would be garnished due to no payment. XXXX was VERY rude and threatening. Today was the very first time I had heard from them. Nothing has been sent in the mail. My attorney looked up the number and said that this was a spam call but I am XXXX XXXX XXXX and I do not need that kind of stress in my life. These people are unbelievable. 

XXXX XXXX The name was under XXXX XXXX. I was married in XXXX and changed the name to XXXX. 

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

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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 items 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 items listed below : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXX  is reporting late and was never late. This items needs to be fix on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX  XXXX XXXX XXXX : {$530.00}
Product: Credit reporting or other personal consumer reports

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification. There is 2 ID Theft reports listed due to not having enough space.
Product: Debt collection

i had an account with XXXX I opened with my daughter in XX/XX/XXXX. I purchased XXXX phones. In XX/XX/XXXX, I paid off the phones and cancelled my service and left my daughter on the T-mobile account. She was paying the bill. The bills were forwarded to HER home in N.C. and she was paying them. Around XX/XX/XXXX, my daughter purchased a 2 YEAR contract w/an XXXX. I was contacted when she wanted to purchase the XXXX and I told XXXX I was no longer the owner of the account again. They again removed me from the account, approved my daughter for the XXXX and I thought that was the end of it. Then I stopped receiving my mail all together, and discovered a change of address had been put in for me so I called the Post Office and had my mail switched back to my home and I discovered XXXX was charging me for 'something ', so I called and told them I did n't have an account. They said they fix it and again I thought they 'd figure it out. I confirmed with my daughter that she was paying her bill because I continued to get bills saying my account was over due, but she assured me she was paying, so I ignored it, and figured we were just being double billed. Finally in XX/XX/XXXX I received a collection notice, when I called I was told it was for an XXXX. It turns out that XXXX was billing me for her XXXX and billing my daughter only for phone service. They were trying to hold me accountable for her purchasing the phone but were billing her for the monthly service. I called several times with my contract showing I never authorized anyone other than myself to purchase or use my account. While this point is moot as I cancelled my account in XX/XX/XXXX. There are numerous calls from me cancelling the account, and my daughter opening an account. The account my daughter opened was a special account that allowed for a two year contract with the purchase of an iphone. XXXX used my credit to give her an XXXX. I spoke with several representative there, and my daughter does n't have a problem paying for the XXXX under the terms she thought she was agreeing to, i..e a two year plan which included the price of an XXXX. I am not responsible. Further I should n't be in collections. I called this evening after having been promised that I would be removed from collections, the outstanding balance would be transferred back to my daughter 's account, she could pay over the term of her contract as it was stated and that my credit report would be corrected. Now, I 'm being told by XXXX that they ca n't do it. It 's been too long they are n't resposible.