23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a letter staing i owed monies to the XXXX XXXX XXXX. Contacted the company sent over affidavit and explained this was part of identity theft. No one at National Credit could assist me once they knew i was calling in with information to dispute said errors. I have mailed the police report and affidavit. the representatives are always rude and I am always being told that I have to speak with Mr. XXXX at XXXX XXXX. I never get a call back and after my 18th call and he was unavailable. I do not want his on my credit. This is inaccurate information
Product: Mortgage

On XXXX XXXX, 2016 My Certified Residential Housing Counselor and I place a call to Wells Fargo to apply for a VA modification due to my house is in foreclosure and have a sell date of XXXX XXXX, 2016. We was put on hold for around 25min, when we finally was able to reach an agent to assist us after the preliminary information was given we were disconnected, we again called again, waited about 12 min this time and once again when we was finally able to connect to an agent that was able to assist us and again after the preliminary information was given we was disconnected again. Therefore we called again for a third time and waited for about 12 min, was connected again and once again after introductions we were disconnected. It was a very frustrating experience, I do not want to lose my home, I have apply for a modification a few months ago but was denied due to my income, my income has now increase and I am an XXXX member of the XXXX. All I want is a fair chance to save my home
Product: Credit card or prepaid card

XX/XX/XXXX Capital One reduced my credit limit ( again ) from {$10000.00} to {$5000.00}. I want the credit limit back to at least {$20000.00}. Capital One has continuously reduced my credit limit from {$30000.00} now to {$5000.00}. This affects my credit score and ability to pay 'large ' sums of money, which may be needed for air travel and hospital or medical bills. Cash in large amounts is not readily available to pay a large bill. ( As is the case for most consumers ). I have a credit score above 800 and have had a credit card with Capital One and no credit/payment issues since XXXX. This measure also affects my credit score, which is unfair, as I have no control of the outcome or what is decided by Capital One.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Chase lies and does not dispute fraud claims. I opened a dispute with my credit card issuer, Chase on the XX/XX/XXXX because I did not receive the item ordered and the seller suggested that it was a mail fraud. After not hearing any update from Chase for over 35 days I contacted them on XX/XX/XXXX informing that I could provide any info if they needed. I was not contacted by Chase to provide my side of story and evidence of receiving wrong item. The dispute was denied and they charged me for the full amount today. I just wanted to return the item back to seller because I received a wrong item.
Product: Checking or savings account

On XX/XX/year> someone from XXXX XXXX accused my Credit Karma banking account and took {$1500.00} with a {$300.00} cash back from a XXXX XXXX XXXXXXXX They also made another purchase of {$30.00} at the same store. # XXXX I called Credit Karma and asked them how someone gained access to my account and said that someone changed the phone number associated with my account. I said I never got an alert of this and they didn't know what to tell me. I spoke to various people and no one was able to help. On XX/XX/year> I called back and spoke to XXXX in the dispute department and she said I was eligible for a " credit '' of the amounts taken. That is MY money and it should of never been stolen. They said they had no idea how that happened. My information on Credit Karma was leaked and I am left with {$0.00} as a mom of XXXX. XXXX said in about XXXX  days I will have my " credit '' but that does not help. Credit Karma has no respect to protect the consumer information. Someone was able to call them and act like me and change personal information. I am very disappointed in how I was treated over the phone when asking what happened and that I desperately needed all my money back. I have to pay rent on XX/XX/year> and now I won't be able too. Once I do get the " credit '' I will be no longer using Credit Karma for anything. I am going to a more well known bank. This was a lack of security from Credit Karma when I trusted them with my hard work money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card AUTO CLOSED one of my credit cards that I havent been using in the last 3 years which dropped my score by XXXX points! I have over 14 years of credit history, NEVER late on any payments, no NSFs. XXXX cs. Now it dropped to FAIR because XXXX XXXX classes my account, not me!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to dispute the accuracy of a negative tradeline from Conns that is currently being reported on my credit report. 

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Last reported XX/XX/XXXX {$2200.00} Reported balance Highest balance {$1800.00} Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ) I believe that the information appearing on my credit report from the company listed above to be inaccurate. I am requesting that you investigate this matter promptly and remove the inaccurate information from my credit report. Please note that the Fair Credit Reporting Act ( FCRA ) requires that credit reports be accurate and complete. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I recently Reviewed a copy of my credit report and noticed i had a fraudulent account on my report. please remove this account from my report it is hurting my ability to obtain credit.
Product: Checking or savings account

Reported fraudulent charges, they have been working on the case for 3 months now. Didnt provide any updates, I provided all the information they needed. They now say after 3 months when I called them that they cant dispute and reversing the credit they gave me. I filed this within the proper time span and provided all the information regarding the claim XXXX. These were not allowed by me and not approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went into car dealership, XXXX stated only they would pull my credit report, however multiple companies pulled report : XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX  XXXX XXXX  Auto Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX
Product: Debt collection

Sure, here is a brief description of each of the terms you mentioned : Date Opened : This is the date when the credit account was first established or opened by the borrower. This information is important as it helps lenders determine the age of the credit account, which is a factor in assessing creditworthiness. 

High Credit Limit : This refers to the maximum amount of credit that has been extended to the borrower for a particular account. The high credit limit is an important factor in determining the credit utilization ratio, which is the ratio of credit used to the total credit available. 

Credit Limit : This is the maximum amount of credit that the borrower is authorized to use on a particular credit account. This information is important as it helps borrowers manage their credit utilization and avoid going over their credit limit, which can result in penalties and fees. 

Last Reported : This refers to the date when the credit account was last reported to the credit bureau by the lender. This information is important as it helps lenders and credit bureaus maintain accurate and up-to-date credit reports. 

Date Last Active : This is the date when the borrower last used the credit account. This information is important as it helps lenders and credit bureaus assess the risk of lending to a particular borrower. 

Date of Last Payment : This is the date when the borrower last made a payment towards the credit account. This information is important as it helps lenders and credit bureaus assess the borrower 's payment history and creditworthiness.
Product: Credit card

I have been a customer with chase bank for over 20 years and more you bank with them their customer is getting worst and worst under the leadership XXXX XXXX and so-called XXXX  customer care team. XXXX customer care service is lousy and XXXX of the worst experiences ever. 
Chase bank doesnt let customers dispute charges made on XXXX XXXX  credit cards. Once you log on to the online banking there is an option called dispute a charge. Once you try to dispute a charge, they asked you to call customer care number. Once you call the customer care, they will send you a text to the phone to dispute charges. Once you click on the link and try to dispute the charge, they will ask you to call customer service number. It is a ping pong game and no body from customer service team dont pick up the phone to make it extremely harder to dispute a charge. 
I rented the car from budget and the sales pressure was high to purchase a XXXX XXXX XXXX  and I told the rep at the counter that I am staying close to XXXX and asked how many XXXX XXXX  that I had to go through in order to get to my hotel and the answer was many and I ended up buying the XXXX  XXXX  for 7 days and on the way to the hotel I realize there are no XXXX  XXXX  on the way. I called the budget customer support following day to cancel XXXX XXXX purchase since there are 7 days left and to my dismay, they told me that I must return the car to cancel the XXXX XXXX XXXX  purchase. Not sure why you need to return the car since there is an alternative option to pay only if I go through a tXXXX XXXX and under the heavy traffic in XXXX, I didnt want to go to the XXXX to return the car to waste my precious time. 
Rep at the counter was not honest with me and they didnt cancel the purchase following day asking me to return the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  did not give consent to share my information
Product: Debt collection

National Credit Adjusters at XXXX XXXX XXXX XXXX, XXXX, Ks XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. this company does not have a contact with my signature.
Product: Debt collection

I have asked ARS Account Resolution to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Money transfer, virtual currency, or money service

Cash app didnt refund my money after someone hack my account and stole my money and send it to there account
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX/XXXXXXXX
Product: Debt collection

On XX/XX/XXXX, at approximately XXXX XXXX, I received a voicemail from someone identifying herself as working for XXXX XXXX XXXX XXXX XXXX I called back and spoke to XXXX XXXX. She told me I was in collection for a debt of roughly {$200.00} to XXXX XXXX. I told her I did not recognize the amount and had received no bill from XXXX. She attempted at that point to get me to pay the amount, and I asked her what exactly it was for. 

At that point, she identified herself as a debt collector. I interrupted her and told her I believed she was in violation of the Fair Debt Collection Practices Act by not having first identified herself as a debt collector, despite discussing the debt with me and attempting to collect information. 

As soon as I told her this, she became irate, started yelling at me, and the hung up. I called back immediately and asked the person who answered to our a supervisor on the line. I was told the supervisor was busy but would call me back in XXXX minutes. No one ever called. 

Two weeks later, on XX/XX/2022, I received a call from FAMS at roundly XXXXXXXX XXXX, seeking to collect the debt. I explained that I had already requested verification, had not received any, and also had not received a call back from the supervisor. I was told one would call me back. Indeed, shortly later, I received a call. The supervisor apologized for XXXX XXXX 's violation of the statute and then began arguing with me about why I had not paid. I explained, repeatedly, that I had received no bill. She gave me dates of bills being sent to me. I explained to her I had moved months earlier, that my mail was forwarded, but that no bill or notice from FAMS had come to me. She said that as not their problem, and that she was entitled to continue collecting the debt. I told her I want no further communication from FAMS. 

I called XXXX after that call and received verification of the charges and paid the amount. They apologized for the behavior of FAMS. 

I am not satisfied with apologies. FAMS should be punished for the illegal behavior. I seek some kind of administrative remedy. If none can be made, I plan to bring a suit to seek {$1000.00} in statutory damages.
Product: Checking or savings account

I have tried to get a n Opportunity account with Wells Fargo bank - my employer. I tried to get one last XX/XX/XXXX in XXXX, AL. and to day in XXXX AZ. - both with WFB. <P/>this account is advertised for people with bad credit and bad history with banks which is me. <P/>they always got to a credit reporting agency and the info gained there from denes me the chance to open another bank account with my employer ... WFB.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported multiple late payments on my accounts, however I was in the process of applying for federal student loan forgiveness and consolidation and was in the process of transferring this loans to the Department of Education. The loans were officially taken over by the department of education at the end of XXXX in 2022, but XXXX reported multiple late payments to my credit score during the transition process in XXXX and XXXX of 2022. I am trying to refinance my home to pay for damages to my roof and because of these items my lender will not approve this. On top of that, despite the credit reporting being of no fault of mine due to the active transfer process, I was severely injured in a car accident in XX/XX/2022. I am a XXXX that was working COVID Crisis assignments in ERs all over Florida and was in an accident leaving me unable to walk for almost XXXX months, and had no I come at this time. I am a single mother of three children and I paid the necessary bills to survive, none of which included the loans from the College Foundation as the account is closed and transferred, and I was told due to the pending legislation for student loan forgiveness for nurses, no payment is due at this time.
Product: Debt collection

At XXXX on XX/XX/18 I received a call, was trying to discuss my debt and the tech did not have my information available. He then placed me on hold, approx 10 mins. Never took me off hold and never called me back. on XX/XX/18 I received a call but since I am working I am unable to pick up. They proceeded to contact my sister who has no relation with this debt, nor is on any student loan. She told them she would relay the message. Then at XXXX they contacted my place of work!!! I told XXXX she was not allowed to do this and she said she was and she could. I contacted the number back on my phone and said to take off my work number. How and why is she calling people who are not involved in this debt?! Is this legal! I feel like my rights are being abused by this company by looking up phones numbers to anyone and everyone.