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

After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

Account Name : credit collection serv Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$510.00} Account Type : Collection Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$280.00} Account Type : Collection Account Name : 11 XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$280.00} Account Type : Collection Account Name : XXXX XXXX Account Number:XXXX Date Open:XXXX Balance : {$630.00} Account Type : Collection Account Name : 11 XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$630.00} Account Type : Collection Account Name : 12 XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$590.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance XXXX {$590.00} Account Type : Collection Account Name : XXXX XXXX card Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$120.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$130.00} Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$340.00} Account Type : collection Account Name : XXXX XXXX XXXX XXXX   Account Number : XXXX Date Open XXXX XX/XX/XXXX Balance XXXX {$2300.00} Account Type : education/installment account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance : {$4900.00}, {$6100.00}, {$5000.00} Account Type : education/installment account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXXBalance : {$2300.00} Account Type : education/installment account Below are companies who put fraudulent and unauthorized inquires on my credit report. 

XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX us, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is submitting a report to the credit bureaus that my account is under investigation. I have never disputed this account. During a call on XX/XX/XXXX, XXXX, XXXX XXXX employee # XXXX, refuses to provide me with account information on my account regarding what is being submitted and reported to the credit bureaus. 

As ofXX/XX/XXXX, my balance is {$0.00}. I have not filed any dispute regarding this account. Still, on XX/XX/XXXX balance reported by XXXX XXXX for period ending XX/XX/XXXXis {$54.00} with a comment that the account is under investigation. 

I want this investigation ceased immediately by both XXXX XXXX and Equifax. Both state the other company is disputing the account or originated the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

( XXXX XXXX XXXX  )
Product: Mortgage

I submitted an application to Fay Servicing as of XX/XX/XXXX for a Modification review, which they confirmed receiving it on XX/XX/XXXX. As of today, XX/XX/XXXX, they are stating they can not review the application due to not having enough time because of the upcoming Sale Date for XX/XX/XXXX. Based on my research, and what is noted on their application, it states the full application needs to be submitted by the XXXX day of the Foreclosure sale. If we count 37 days, that would put me at XX/XX/XXXX, which is still more than enough time for review. There was a previous application that I submitted which resulted in a denial on XX/XX/XXXX due to insufficient income, however they did not take into consideration my Social Security income. In this new application I made sure to circle all my deposits and provide the Award Letter. Please, I do not want to lose my home and they refuse to assist me. Please help! 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using a value less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year. 

When I tried to validate my account balance a second time, I went to their web site again, and it was not functioning. It told me there was a system error, and to wait a while and try again. That was three days ago, and the site still does not function and I can not check the status of my card. I called their customer service number and the customer service representative told me they were aware of the issue and were working to fix it. That was over 24 hours ago. Their site is still not working and I can not spend my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - Year of birth XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX  XXXX Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Open Status updated XX/XX/XXXX Account type Credit card Status Open. 

Balance {$830.00} Balance updated XXXX XXXX, XXXX Credit limit {$1100.00} Credit usage 76 % Monthly payment {$70.00} Last Payment Date XX/XX/XXXX Highest balance {$830.00} Terms - Responsibility Individual Your statement - XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCORDING TO THE USC 1681 I DID NOT AUTHORIZE THE REPORTING OFFICES ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK OR REMOVE THE FILES
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX Balance : {$14000.00} - tied up BULL CITY ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} BULL CITY ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX5 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

Credit Card company : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OF REPORTING : XX/XX/2020 Reported me deliquent 30  days for XX/XX/2020 due to an ongoing scheduled maintenance which unfortunately resulted in zero access to the account between dates of XX/XX/XXXX - XX/XX/2020. Which was 1. Not notified of such scheduled maintenance 2. Unable to access account through online portal or with customer service.

3. Payment was not recorded on XX/XX/2020 of {$1300.00}. 

4. Payment should have reported to credit bureaus on before XX/XX/2020 Please see attached screenshots of the results of the occurences. 

Please as a courtesy I ask the credit bureaus to make the update to the credit agencies to all 3 bureaus : EXPERIAN XXXX  AND XXXX So the dleiquency is removed from the reporting for XX/XX/2020 and shown as " CURRENT '' or " Pays as agrees ''. I have a letter directly from the creditor to have this information ammended directly. 

I appreciate that this be marked as urgent due to repercussions and impact this has had on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I completed an Identity Theft Report for a account on my credit report from Equifax called XXXX  XXXX. This account has been reporting for almost 7 years. In XXXX I disputed the account as not mine and Equifax had deleted the account. In XXXX I noticed the account was re inserted without my notification. In an attempt to solve this account problem I reached out to XXXX  XXXX DBA XXXX XXXX to offer a settlement for removal in which they refused. 
I then asked for a signed application for credit from the location documented as having given me this loan. No response. 
In XX/XX/XXXX EQUIFAX CONSUMER REPORTS changed the so called initial date of delinquency for this fraudulent account to XXXX XXXX. At one point EQUIFAX had been reporting this account as open with monthly payments! 
I am attaching my Identity theft report, a copy of Equifax reporting from annual crexit report showing a XXXX  of XX/XX/XXXX, and other relevent information. 
I want EQUIFAX to remove this account from my credit report immediately.
Product: Credit card or prepaid card

I filed for Bank of America to investigate a charge that was made on my account. Ever since then the bank has been blocking my card, making me go into different bank institutions to verify my identity in which I did. They make me call them every single day for charges on my account. Today is XX/XX/XXXX and I have been on the phone with the bank all day and spoke to several different bank reps and they just tossed me around in the q. The bank has been treating me like a criminal ever since I filed a claim for charges I didnt recognize. The bank has been also making make multiple payments on my account claiming that my payment was due every time I make a charge. They have been using deceptive practices to me on a daily basis while Im trying to service the debt on my account. I explained to the bank that I cant keep going into the bank because I could lose my job.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed a shortage in the checking account connected to the autopay of this credit card. I called the credit card and offered to make payment of this shortage, yet the credit card can not take payment on XX/XX/XXXX since the account has a XXXX balance due to the payment was yet to be returned. I called again on XX/XX/XXXX, now that the payment has been returned and I was able to make a payment. I was informed by the representative that interest charge would be removed as a courtesy. 

On XX/XX/XXXX, upon checking the monthly statement, I noticed yet another interest charge of {$16.00} on XX/XX/XXXX. I called customer service, who informed me that this charge was for the XXXX statement given the removal of the credit card grace period due to insufficient payment in XXXX. I informed her that I am unaware of the existence of any grace period in the first place, the representatives on XX/XX/XXXX and XX/XX/XXXX did NOT inform me of this, and the representative on XX/XX/XXXX assured me that no further interest or late fees would be placed on the account. Furthermore, I am on autopay whereby the credit card company automatically deducted monthly statement charges in XXXX. I requested that this bizarre and unfounded charge to be removed. She informed me that this charge must stay on.
Product: Checking or savings account

On the Morning of XX/XX/XXXX I woke p to a text via Chase Bank stating my checking account had been overdrawn over {$3400.00}. I immediately contacted the claims department before XXXX on XX/XX/XXXX to notify them that all these charges were fraudulent that were pending. I also filed a police  report with the local police, contacted all 3 credit bureaus to file fraud and social security to file fraud and stolen identity. These charges started out with a {$2.00} amount increasing to $ XXXX- {$800.00} transactions which is not more normal spending habits. The charges occurred starting from an online wiring company to transaction in XXXX and XXXX for hotels. The claims department told me to rest assure they would get my money back. Someone also posed as me and contacted Chase to up my limit to use my account to make these transactions. Over one week going by of me having to contact claims, escalation team, executive office and several local branches I finally got in Chases words a temporary refund. Their executive team told me my case was resolved all funds were refunded and they were closing the case. 3 months go by and on XX/XX/XXXXI wake up to the funds be reversed by Chase Bank. I immediately contacted them and they said they notified my via mail of this reversal which I never received because if I had I would have contacted them right away. Now I have been pushed around and blown off the past month in a half with all my money taken again and my account left in the negative which has trashed my credit, caused my bills to be late, late fees ... literally destroying my life because of Chase Bank not protecting my hard earned money I entrusted them with. I am filing this complaint on behalf to get my money back that chase owes me. They have threatened to also close the account and turn over as a charge off to my credit and send me to collections for something I did not do. I will not stop going after Chase until I receive my money back. I trusted my money with Chase and they did not do there job securing my money.
Product: Debt collection

Radius global solutions LLC located at XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. This company you stating that I have a balance of {$1300.00} with creditor XXXX XXXX XXXX.. I do not owe this debt. I requested validation of debt and all this company has sent us a verification with an invoice. Nowhere is there a copy of my signature anywhere. I want to report this company is violating my rights under the FCRA as a consumer. I want them to update all three credit bureaus if they have a negatively impacted my character, which could be considered defamation of character,
Product: Credit card or prepaid card

My credit card account was prematurely and summarily closed by Capital One, unbeknown to me, at the end of XX/XX/XXXX. I never received by mail or email, any notification from CapitalOne of pending closure of the account. I did receive a message on my home phone on XX/XX/XXXX requesting that I contact Capital One prior to XX/XX/XXXX ( not a typo ), to answer some questions. I have retained the audio message. There was no urgency indicated. As my identity was stolen in XX/XX/XXXX, I am vigilant regarding my credit accounts. The phone call reminded me of a phishing scam, which did not warrant follow up. I did however log onto my online account. There were no messages or notifications online indicating any problem. The account was current. 
On XXXX XXXX, I attempted to access my rewards points, only to find that my account was restricted. A customer support representative was unable to assist me. I was subsequently transferred to XXXX ( employee # XXXX ). I answered several questions regarding my business, which apparently were required by federal law. As she was unable to remove the restriction on the account, she had to consult with her supervisor, whom I was not allowed to speak with. After 45 minutes, I was told that not only was my account restricted, but closed. I was given no reason for the closure, nor the opportunity to speak with a supervisor. I was told that I had forfeited my rewards points ( XXXX points ), and that there was no recourse. The decision was final. 

I am dumbfounded that CapitalOne would choose to treat a long time client in this manner. From a customer viewpoint, confiscating my rewards points is theft, and a very bad business decision. I have been in business for more than 30 years. If I treated my patients this way, I would be reprimanded by the Medical Board and probably lose my license. I am asking that CapitalOne re-activate my account, or at a minimum, allow me to use my points, transfer the points, or reimburse me for the cash value of the points. I would also like an explanation for why my account has been closed. This can have an adverse effect on my credit score which is not warranted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of hard inquiries I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and XXXX Police Report Number ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Approximately six months ago I was informed that Kohls department store was closing their store account and issuing credit cards from Capitol One. I immediately notified them that I did not want this credit card. I continued to receive information about the credit card. I called again to tell them I did not want the credit card. I was told that the store account would be closed and I would not have the ability to charge merchandise purchased at their store. I told them I was fine with that. They advised me to contact Capitol One which I did. I made it clear that I did not want the credit card. Two weeks ago I received a card with instruction on how to activate it. It is clear that no one is listening to me. It also seems unlawful to have a credit card issued in my name without my consent. I want this account officially closed and I need all three credit bureaus informed that this account does not exist.
Product: Money transfer, virtual currency, or money service

My first complaint no. XXXX was closed by the company without a satisfactory solution. 
Coinbase received around XXXX BTC of mine from my XXXX  XXXX  in XX/XX/XXXX. 
The above amount never showed up on my Coinbase account, even though the transaction on the relevant blockchain proves that the money was transferred to Coinbase. 
In other words, Coinbase still owes me at today ( XXXX, 2021 ) about {$170000.00}, but they don't seem to care. 
Consumer protection should mean resolving these types of problems in a timely manner while considering the burdens and distress caused to the customers. 
I really wonder how much Coinbase cares about its customers.
Product: Debt collection

There try to collect a debt from XXXX from XXXX XXXX in the amount of {$280.00} .In XXXX hired a attorney to represent me and they ( My attorney ) are trying to collect for the collection agency. This debt is clearly pass statutory of limitations, So it should n't have been on my record let alone shared with this attorney.This is a Fraudulent act on both parties, Reporting attorney to the attorney grievance XXXX currently in court about this matter.