23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am reporting US Bank and all its affiliates because of the fact that these people are literally telling me they denied my claim of identity theft because one or more of the documents I used to show my identity were supposedly some of the documents used to open the accounts.HELLO!!!! THATS WHAT IDENTITY THEFT IS!!!!!! ITS WHEN SOMEONE STEALS YOUR PERSONAL INFORMATION TO AQUIRE GOODS OR SERVICES!!!! Of course they used my SSN card.IT WAS STOLEN ALONG WITH MY DRIVERS LICENSE, CREDIT CARDS, DEBIT CARDS, PASSPORT, etc.WHICH ALL WERE IN MY WALLET WHICH WAS STOLEN FROM ME!!!!! I already detailed that to this company and they STILL act like it wasnt fraud!!! I HAVE MEVER HAD US BANK A DAY IN MY LIFE!!!! And after this whole ordeal, I never will! I just want these fraudulent accounts removed immediately before formal litigation commences against them. This isnt a joke anymore, You all havent provided the slightest bit of proof that these accounts are mineand you never will, because I never opened any of these.!! There is a reason I am getting all these fraudulent accounts removed.!!! Because after investigations its pretty clear and obvious its not me opening them.!! And this is no different!!!
Product: Credit reporting or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Debt collection

i requested validation from Eastern Account System XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX of XXXX via certified mail, They did not responded to my request. Eastern accounts is in violation of Fair credit Reporting Act 623-b and violation of the Fair debt collection Practices Act Section 807-80. They have Negligent Enablement of identity Fraud as well as Defamation. As of XX/XX/XXXX this debt continues to be reported negatively on my consumer credit report. I will also be filing a Small claims court case for damages
Product: Credit card

Chase charges a fee for cash advances that are not true cash advances for XXXX. They are credit card transactions. I am not advised of this fee at time of purchase so this is deceptive and unclear when I pay through XXXX. The Chase customer rep I contacted would not give me any information on when this fee policy was implemented and only said it would be found in my account opening disclosures. XXXXXXXX XXXX is being exchanged so I am not sure how this is defined as a cash advance. Very confusing and disappointing from Chase as I have banked here for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed a fraud alerts on my account so that Experian could not extend credit to anyone. This is the note on my account> XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

On XX/XX/XXXX this company ( a money lender ) XXXX  XXXX contacted experian and opened a fradualent credit line of XXXX dollars for an unknow person. As a result if this fraud, Experian changed my birthday and my address and extended allowed XXXX to give credit for {$5000.00} to an unknow person. 

On XX/XX/XXXX XXXX  XXXX XXXX called me to alert me that I was denied for a credit line that I request due to deliquent account. XX/XX/XXXX, was the first time that I was alerted of any credit being pulled although I have a Fraud Alert for seven years ( starting on XX/XX/XXXX ) on my account. No one from Experian called me to check per the alert instructions. And they allowed a company to get credit without my permission. 

I have filed a police report today on XX/XX/XXXX and contacted the FTC to let them about XXXX and the fraudulent charges. In total with late fees, there is {$5500.00} fraud total for due monies reflected on my account which are not mine. 

In addition, XXXX was able to change by birthdate and home address through Experian. I have been able to fix my birthdate with Experian but am still working to change my address and clear the fraudulent charges. 

My Fico score was not ffected with Experian. I urge consumers to review their full report frequently since Experian has allowed a company to pull my credit despite of a fraud alert for seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING FRAUDULENT AUTO LOANS ON MY REPORT. THEY WILL NOT REMOVE THE FRAUDULENT ACCOUNTS WHICH IS AGAINST THE LAW.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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: Money transfer, virtual currency, or money service

To whom it may concern I am Riduan Gulam, from Philippines, I want to complain about a very concerning problem to the payment service Paypal offered at PaypalXXXX

Paypal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that Paypal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to paypal and I believe their claims are false. All disputes related to my account was settled. Paypal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 
Paypal transferred my whole balance and took my hard earned money under the XXXX ID XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather fair compensation. 
I believe paypal acted in bad faith as a payment company, They have failed to offer the promised service. I believed that I was deceived and scammed by Paypal and I want to complain about this corrupt acts done by the payment company PaypalXXXX I have tried to resolve this issue friendly with them many times but they always reply with canned and useless response done by bot. Paypal failed to provide the advertised payment service. 

Looking forward for your reply. 

Thank You
Product: Checking or savings account

Chase bank will not return two online transactions from my business checking account into my personal account and they also debit two transactions for the same amount and will not give me my money back I have called numerous times and all I get is letter stating they will not be returning the money I have all nessary documents to prove they have literally stolen my money I have been dealing with this since XX/XX/23
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX - account reports last payment as both XX/XX/year> and XX/XX/year>. Inaccurate payment dates ( do not match ) on Equifax, it reports as on time payments, but shows as 120+ days late. Inaccurate reporting. Requested to be fixed but only gets updated.
Product: Student loan

Harassing phone calls, upwards of 12 times a day. I have informed them off being hard of hearing and phone calls are not best for me, no change. They have also called personal references in order to get payments on loans. They have called my inlaws, which I have never given their information to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$25000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting acXXXX XXXX, Account name- XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

This is the second complaint I am filing, The first one was closed case XXXX. I left a comment, however your agency closed it without investigating and took the word of Webster bank over the actual problem. 

I have a XXXX XXXX Account. I entered an expense to get reimbursed on the phone app. The next day it appears twice, once processing ( which I received the money ). but then it lists the same expense to be reimbursed a second time ( a duplicate ). I would have to click on a button to get reimbursed a second time. I have been careful not to. And I made the company aware every time it happened. 

Expense for {$150.00} entered in phone app on XX/XX/2023 for {$150.00}. On XX/XX/2023 the account under " manage my expenses '' shows the expense I entered and that it is currently processing. But it creates a duplicate that would allow me to click and get reimbursed ( over reimbursed ). 

I have brought this to the attention of the company every time. First they blamed the pharmacy for doing it, then they blamed my insurance company for doing it. Both times during investigation by the company, they realized neither was true. After getting no results of a fix to their systems I filed the complaint with your agency. The company Webster Bank then replied to your agency that it was my fault and I was entering it twice and it was not their fault. This simply is not true, and you took their word for it. It has now happened again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eqiifax has All of my information wrong, such as amounts owed, history of payments, credit cards I have not shown and accounts I have closed still show up in payment history as recent. 
Ive made several attempts to correct in the last few months. To which have not been corrected. 
This misinformation is making my refinance impossible, with my mortgage lender. 
I dont believe this is a good system, considering if the credit bureaus are incorrect, it can severely impact all of your financial situations.
Product: Debt collection

LVNV FUNDING LLC {$660.00} XX/XX/XXXXXXXX XXXXXX/XX/XXXX I HAD TO PAY FOR SAVING MY MONEY ON A CREDIT BUILDER FOR MY SCORE TO INCRIST FOR THE FIRST YEARS TIME I WAS SAVING MY OWN MONEY THE BAD THING IS OUT OF {$700.00} I GOT BACK {$40.00} AND WHAT THERE SAY I OWE THE IS WHAT THERE TOOK FORM ME AND SAID I OWE THIS THE BLANCE THERE SAY I OWE COLLECTION XXXX XXXX XXXX XXXXXXXX {$170.00} XX/XX/XXXXXXXX XXXX
Product: Debt collection

I am formally disputing the validity of a collections account listed on my credit report by PROCOLLECT , INC under account number XXXXXXXX XXXX XXXX XXXX under account number XXXX, XXXX XXXX  under account number XXXX, XXXX XXXX under account number XXXX and XXXX & XXXX XXXX XXXX account number XXXX. I believe this account is either inaccurately reported or should not be reported at all. 

Basis for Dispute : The case XXXX v. Gravens, XXXX XXXX XXXX, XXXX ( Mo. ), highlights that creditors and debt XXXX are required to follow proper legal procedures when seeking to collect on a debt. The court in this case found that debt XXXX XXXX not rely on inaccurate or improperly validated debts, and that debt collection activities should comply with the requirements set forth under Missouri law, including appropriate documentation and proof of debt ownership. 

According to this ruling, XXXX v. XXXX, debt XXXX must provide clear evidence of the legitimacy of a debt and their right to collect on it. The court emphasized that an account must be properly validated, and any dispute raised by the consumer must be addressed in a timely and adequate manner. The case also underscores that debt XXXX are prohibited from continuing collection efforts without sufficient evidence to substantiate the debt. 

Specific Concerns : Inaccurate Information : The accounts in question does not reflect accurate or verifiable information about the original debt, and I have not been provided with proper validation or documentation as required by law. 

Failure to Provide XXXX of XXXX : I have not received proper documentation demonstrating that the debt was validly transferred or assigned to the current collector. As per XXXX v. XXXX, the debt collector has not met the legal requirement to provide this proof. 

Improper Reporting : The collection agency has failed to adhere to the procedural requirements for reporting debts, including notifying me of my right to dispute the debt and to request verification, in violation of my consumer rights under both Missouri law and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Student loan

In order to get a loan payment match from my company, I need a document that shows : 1. My student account number 2. The date of my last payment 3. The amount of that last payment ( {$2500.00} ) However there is no place on the online platform where I can get this. I have contacted Customer Support a few days ago but they have not replied yet and this is a time sensitive issue
Product: Debt collection

I began receiving letters from Red River Collection Company , Inc. on XXXX XXXX, 2015 stating that I owe debt to them from " Stop XXXX Park ''. I wrote Red River Collection Company , Inc. a letter stating that I do not owe this debt. Red River Collection Company continues to send letters, has called my cell phone and now my place of employment. They state that I owe them {$110.00} plus interest.
Product: Credit card or prepaid card

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of anxiety
Product: Payday loan, title loan, or personal loan

This decision has come to the observation of the type of financing and payment in installments for each month. It is not possible for a simple {$900.00} loan to generate 10 payments of {$460.00} each month, creating a debit of {$4600.00}. There is no way in the world to understand and interpret that. Gold in kilograms is cheaper than your type of financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX, has violated my rights. 


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

I declare under pentalty of perjury, that the foregoing is true and correct to the best of my knowledge.Further i certify that i am permitted by Federal and state law to file this dispute.These items that are found on my credit report are not related to any transaction that i made or been apart of.These credit reporting agencies are in a clear violation of the United States Code Law 15 U.S. CODE 1681 1B- Permissible purposes of consumer reports they are reporting unknown accounts without my authorization. I never gave equifax, XXXX, XXXX  written consent to report anything to my consumer report. On XX/XX/2022 i sent a dispute to XXXX, equifax and XXXX certified mail letting them know of this violation and requiring proof of my of my written consent. As a consumer by law these accounts on this letter must be deleted immediately from my consumer report. This has caused me to suffer and its defamation of my character.
Product: Checking or savings account

I have had a cashapp card for years. A few months ago I had locked my card on the app and then I tried to unlock it to begin using the card again. However it would not let me. I then contacted support MULTIPLE times over the span of MONTHS. No one would ever tell me why or get back to me. I finally got a response today stating that the decision is final and they could not give me a reason. I never went negative, never made any suspicious purchases. I did not do anything to just have my card closed on me like this. Then to take months to get back to me and then tell me its a final decision and I dont even know why in the first place is ridiculous when I am the one who locked my card initially. This seems like scamming, fraudulent behavior. I have copies of all transactions and balances to show I have no nothing worthy of just being closed with no response for months or answered.
Product: Money transfer, virtual currency, or money service

Multiple Zelle transactions was misspent/misdirected not refunded amount well over {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My CDL portion of my license is inactive because i do not have a current DOT physical. Obviously that means I can not do a CDL job until I have a current DOT physical but on my background check it says my personal license itself is cancelled & i have been passed over for multiple NON CDL driving jobs because of this error. My normal license is valid still. This error is costing me job opportunities, this most recent employer is the 1st one to elaborate why I was passed up for a job. I got a copy of my report from the DMV & it says my regular driving license is valid.
Product: Checking or savings account

I opened an online account with Capital One. I used my mobile phone to deposit 2 checks over a year ago. Each time I try to access my funds I'm message to contact Capital One. I've left several messages as you can not access a human being and have yet to receive a call back. 

I just want to close my account and get my money back ASAP. 

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

I filed a complaint and asked that the negative items on my report be removed due to enormous amounts of inaccuracy 's and the fact that upon writing the courts to ask why they would have verified incorrect information about a bankruptcy they told me that thats not possible because they dont ever verify any information and there fore they are getting wrong information from a third party and are not sharing the way it was verified thats whats wrong with using information from a third party and
Product: Credit reporting, credit repair services, or other personal consumer reports

5 ) Treatment of inaccurate or unverifiable information  ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I asked the bureaus to provide the following concerning an account they are reporting 1.the original contract 2.payoff disclosure 3.interest rate disclosure 4.balance history 5.payment history 6.credit insurance 7.Charge off date ACCOUNT I REQUESTED THIS FOR : XXXX XXXX. UNVERIFIED I requested these in XXXX of 2023. It is now XXXX. 
They have failed to follow the laws that govern reporting by refusing to delete the account due to the inaccuracy of the past due status and the last date of activity as well as failing to provide by law what I requested.