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

I received an offer from Chase bank that if I opened checking and savings accounts with them and deposited {$15000.00} for 90 days they would give me a {$600.00} bonus/credit. 
I opened both accounts and funded them the first week by transferring funds from my XXXX account, only to see that less than 5 days later chased locked me out of all my accounts and when I called they told me that my accounts have been closed due to " suspicious '' activity ( my only activity that far was the deposits to fund the {$15000.00} required by the offer ). 
Of the {$15000.00} in my account Chase refunded only {$13000.00} saying the the remaining {$2000.00} were sent under a different name ( I called XXXX and they told me that they'd would check if there was an error with the transfers but that security measures should prevent transfers to go our under a different name )
Product: Student loan

They ca n't prove I ever took out XXXX student loans in XX/XX/XXXX to XX/XX/XXXX and refuse to provide original copies ...
Product: Credit reporting

I purchased XXXX iPhone 6plus in full payment of {$940.00}. They are charging me an extra {$530.00} for monthly fees when the phone has already been paid for in the full amount. As I refuse to pay extra they put it into collection which is now on my credit report. After speaking with a sprint representative they noted that the phone has been paid in full and for me to notify they financial department of the error that has been made on their behalf, but they refuse to take it off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported a credit card belonging to my ex wife was XXXX in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
XXXX XXXX  did not remove me. 

XXXX XXXX  still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
Product: Credit card

I received a credit card and new account package in the mail from BarclaycardUS. It was addressed to me at my home address and had instructions for activating the card. I did not open an account or request a credit card account so I called to request that the account be closed immediately. Unfortunately, Barclaycard could not address the matter unless I provided my date of birth, last XXXX digits of social security, mother 's maiden name, and phone numbers for the account. I told the representative that I did not open the account and I refused to give them any personal information. They were not able to address the matter unless I provided this information. I asked to be transferred to their fraud department. That representative also requested the same personal information and I again refused. I told them I simply wanted to advise them that I did not open or request an account in my name. They told me they were unable to help me unless I provided the personal information. I hung up and filed this complaint.
Product: Money transfer, virtual currency, or money service

Meta is in breach of the contract for the bonus program. Several content creators such as myself who have not violated any user agreements arent being sent the funds rightfully owed to us per the user agreement. 

I worked hard and would like this rectified as soon as possible. Its unethical to hold up the funds and theres no way to contact a support representative. 

Payment account ID : XXXX Payment transaction : XXXX
Product: Debt collection

This company is reporting inaccurate information on my consumer report.Also this company has been causing me financial and emotional damage. This company is defaming my Character. The account numbers are wrong, opening date wrong. I will attach copies of this alleged debt.
Product: Credit reporting or other personal consumer reports

Today, I had found out that the accounts I want to correct previously on my dispute remains on my credit file and appeared as late with delayed payment also I want to seek an assistance from you in deleting these charge of or late closed that such an erroneous accounts. However, I want to correct the late open accounts and remove the late closed and charge off accounts immediately with your help. Please find the required documents to assist in the correction or deletion of the erroneous information which are being posted on my credit file. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of these accounts after this attempts is unacceptable and reflects gross negligence. For this unresolve issue. I am pleased to ask an immediate help from you to correct the late open and remove the late closed and charge off as soon as possible : XXXXXXXX XXXX XXXX  XXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$680.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit card

I received a text from XXXX saying : Citi : BLOCKED : Cash Advance Transaction Amount : {$3500.00} Authorized?

Reply YES & Try again or NO, and An agent will reach out to you!

I replied NO Then received a phone call from someone saying they were with Citibank and that a {$3500.00} Cash Advance request had been made. He asked if I knew the process of a cash advance, I said yes. He asked if it was me trying to make the cash advance, I said no. He asked if I had the Citibank app on my phone, I said yes. He said to get a piece of paper to write something down and open the app on my phone. He asked if I had the piece of paper, I said yes. He asked if I opened the app on my phone, I said no. He said the only way this can be processed as fraud is my opening the app on my phone. I told him I wasn't going to open the app, that my sister had just been scammed and then he hung up immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  apart from being extremely slow are not reporting positive information on my credit. 

Since 2019 I have hired a credit repair company and have aggressively pursued a credit increased score. XXXX  seems to have a higher score with a XXXX points difference. Equifax and XXXX  are behind for an entire 2 years of ameliorating my credit score. They are stagnant credit bureaus. 

I have paid off many items for 6 months and they still have not reported any of them. I have several mortgages in which they still have old amounts from years ago when they should be current. Some of the mortgages are XXXX less and they are still reporting higher debt amounts. They are also not reporting payoffs. Which increases my debt to income ratio lowering my credit score. They need to update credit reports more diligently and accurately. Their process of updating is just too delayed, making it impossible for people to have positive credit ratings. While one credit agency is reporting a high credit score. Equifax and XXXX  are continuously stagnated on the same score for over years. This needs to change! They need to value families more and be more diligent in the services they are providing. 

Credit is very important to be able to have purchasing power. At the moment I have to rely on old information they still have archived on my credit report. Many of them from decades ago declining my opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I've contacted the FTC and my police dept. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Inquires : XXXX XXXX, XXXX  XXXX NA, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX BANK 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

XX/XX/year> XXXX pm This date is when the account was cancelled because I decided not to get the loan and did not sign any paperwork nor any money or check was given to me. World Finance Company wrote a statement saying the account had been cancelled in writing. I went to check my credit report and found they had turned this account over to the XXXX Credit reporting agency. 

I had called them the day before and asked them to draw up the papers and I will come down after work and sign them and pick up the money but changed my mind and called them to cancel the loan because it turned out I did not need it. They wrote me a letter stating they had canceled the loan and the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$330.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

There are four incorrect items on my report XXXX XXXX investments is not my account. I have requested six times for validation of debt along with original agreement and my information that has not been provided. 

XXXX XXXX- I have requested over four times for a validation of debt along with original agreement and my ID verifying its myself I have not been providing any information. This is identity theft XXXX XXXX XXXX XXXX is showing late XXXX and was late for this is incorrect information. I have all the payment up-to-date and have been up-to-date for the past three years. This was also included in my divorce. This mortgage belongs to my spouse XXXX XXXX, and should be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to XXXX about XXXX different hard inquiries on my credit report. They do n't seem to want to help me when I have asked them to provide paperwork or start and investigation to those inquiries. For example I had one XXXX XXXX XXXX Credit card ( which I have closed now, ) however, I have XXXX hard inquiries from them on my file which is outrageous. The customer service advisor and his supervisor were extremely unhelpful and would not assist me. Below are the following listings : XXXX XXXX XXXX XXXX : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Utilities & Fuel ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry :  XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Previous Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I opened, online, a Chase Freedom Unlimited credit card with the promotion " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months. '' I have screenshots of this offer. A few minutes after I applied and was approved for this card on XX/XX/2023 I called a Chase representative who verified the promotion and expedited shipping of my card. 
On XX/XX/XXXX I called Chase to schedule a payment and to review the promotion again. I needed her to confirm the exact date the three-month period would end to ensure I spend {$500.00} before that day to get my {$200.00} bonus. She reviewed the promotion and confirmed the date. 
I called Chase for the third time regarding this promotion on XX/XX/2023, to double-check/confirm the exact day/end of the three-month period. On this call, I was told there was no promotion on the card! I spoke to a supervisor, I think " XXXX '', who escalated the complaint to marketing to have these two taped calls pulled and listened to. 

On XX/XX/2023 Supervisor " XXXX '' told me the calls were listed too and the Chase representatives were reprimanded for the misinformation I was given. Namely, that I had this promotion ( I applied for ) attached to my Chase Unlimited Credit Card. 
On XX/XX/2023, the Marketing department denied to apply this promotion to my card and closed the case! I had no other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The XXXX XXXX is reporting different on each credit bureau XXXX shows {$1000.00}. Experian shows {$0.00}. XXXX shows {$1000.00}. 

Each credit bureau shows a different date of last active. XXXX Shows XX/XX/XXXX. Experian shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA
Product: Payday loan, title loan, or personal loan

I have been trying to make purchases with my new Paypal credit account and it wont come up in the checkout with paypal credit. I contacted Paypal and Synchrony bank and they both said it has to do with a high tech security system they have. I have a large credit line with Synchrony/Paypal Credit and I can not get anyone to help me. I have read through Paypal Credit community and there are hundreds of people going through this and no one from Paypal will help them/us. It's XXXX and people are trying to shop, they run our credit and give us a high limit, but then do not allow us to use the card on any site. This isn't right. Please stop them!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Violations by JEFFERSON CAPITAL SYSTEM Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXXEFFERSON CAPITAL SYSTEM for alleged debt purportedly owed to JEFFERSON CAPITAL SYSTEM , with account number XXXX. I believe that this agency has violated several provisions of federal regulations, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide validation information upon request by the consumer. Despite my repeated requests, JEFFERSON CAPITAL SYSTEM has failed to provide any validation information regarding the alleged debt.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This provision ensures that consumers have the opportunity to dispute the accuracy of the debt before it is reported to consumer reporting agencies. However, I have not been given any opportunity to dispute the account with JEFFERSON CAPITAL SYSTEM before it was placed on my consumer report.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : These regulations require debt collectors to accurately report information about consumers ' debts and ensure the maximum possible accuracy of the information reported to consumer reporting agencies. By reporting the alleged debt without providing any validation information and without giving me a chance to dispute the account, JEFFERSON CAPITAL SYSTEM has violated these regulations.

Furthermore, I believe that JEFFERSON CAPITAL SYSTEM has engaged in false, misleading, and deceptive practices by furnishing inaccurate information to consumer reporting agencies without providing the required disclosures. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against JEFFERSON CAPITAL SYSTEM for its violations of federal regulations. Additionally, I request that the collection account associated with account number XXXX be removed from my consumer report immediately, as it is based on inaccurate and unverified information. 

I appreciate your attention to this matter and look forward to your prompt response. 

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

XXXXXXXX XXXX XXXXXXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year> and XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX I looked at my credit report because I have huge goals. I am looking to Buy my first house. I wanted to make sure everything was reporting 1 00 % correct AND everything was accurate. Can you reinvestigate the completeness accuracy of the list of accounts below. 

Account name : XXXX XXXX account Number : XXXX investigate the completeness accuracy of every piece of information If its not accurate, please remove it from my credit report. 



Account name : XXXX XXXX XXXX Account Number : XXXX investigate the completeness one! accuracy of every piece of information If its not accurate, please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX