23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have 2 Accounts Reporting on my credit Report That was open in XXXX and I was only XXXX XXXX XXXX at this time these accounts do not belong to me and I will like them deleted immediately due to FCRA its a XXXXXXXX XXXX  account and a XXXX XXXX  account, I was Born in XXXX I was not even XXXX XXXX to open a account will upload documents
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX  opened on XX/XX/XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) opened on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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: Checking or savings account

On XX/XX/XXXX, I submitted an order to what would turn out to be a fake website, XXXX. The order was for deeply discounted XXXX boots and the total was {$230.00}. As shown in the attached picture, this transaction was declined. However, at the exact same moment, a transaction for {$130.00} from a business called XXXX was submitted to my account. This transaction triggered Chases fraud alert, and I immediately received a text and email for verification. I checked my account through the app and did not recognize the transaction from XXXX for {$130.00} and immediately called Chase Bank. I explained what happened to the representative and they refunded the money and submitted a claim for fraud on my account. In the next 2-3 days, I received emails from a company including the list of boots I had attempted ordering and a tracking number. The amount on the order confirmation matched neither the fraudulent charge on my account or the order I had submitted. All 3 emails that I received were obviously fake. I was told there was no need to provide proof, that the matter would be taken care of. 
On XX/XX/XXXX, I noticed that the claim had been reversed and the money removed from my account. Once again, I called Chase. I was told that the merchant had provided all of my information along with tracking number, so the charges were found to be authentic. The respresentative I spoke with that day told me that since the claim had been denied as fraudulent, I could resubmit it since I never received any product. She told me to check in on Monday ( XX/XX/XXXX ), and the money should be refunded. 
Today ( XX/XX/XXXX ), I called and was told that they actually were not allowed to resubmit a claim and would not be able to refund the money at all. I spoke with a supervisor extensively and was told there was no way I could prove that the two transactions were connected, and even if there was, the claim was still denied and couldnt be resubmitted. 
I would also like to note that the order number for the order confirmation ( listing several pairs of XXXX boots that I attempted to order ) is the same as the order number on the email that provides the exact same tracking number that the Chase representative quoted to me as proof that XXXX provided to prove a valid charge. This shows connection between the two transactions. 
Also, please note the screenshot of Chases website stating that there is zero liability for unauthorized charges on a customers card or account. 

No merchandise was ever received from either XXXX or XXXX. 

Attached are the following photos : **Screenshot of transaction denied at XXXX, including transaction amount **Screenshot of obviously fake order confirmation email for several pairs of XXXX boots **Screenshot of email containing fake tracking number, the same number provided by XXXX to Chase Bank as proof of validity **Screenshot of no liability for fraudulent charges guarantee from Chases website *****Actual emails can be forwarded if the screenshots are not sufficient
Product: Debt collection

Violating FDCPA by stating removal of license if debt not paid. Multiple harassing calls and emails
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax inadequately protected my personal information, including social security number, and allowed the information to be compromised and accessed by unauthorized people ( hackers ). This data breach was announced on XXXX XXXX, 2017 but happened earlier in the year but was not immediately disclosed by Equifax.
Product: Credit reporting or other personal consumer reports

I send experian a letter on XX/XX/year> and another on XX/XX/year> they are stalling saying i'm a 3 party
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit card

Several creditors are committing fraud on my credit file. XXXX XXXXXXXX XXXX, They have written and charged off debt as profit loss and got paid but they are still updating and reporting in my credit report which is fraud and a direct violation of the FCRA, I never received anything in writing me to pay. None of the creditors sent a 1099-C, This is fraud to place on my credit report and try to get paid again and keep updating my credit report monthly. I want all creditors got paid and that charged off profit to loss was paid as the creditors I want the closed accounts removed from ALL my credit reports immediately.
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my report from all 3 credit reporting agencies, which is adverse information, in which i never gave XXXX written consent to any agency to share, use, transfer sell or buy, i have created a report of this on ftc.gov, i want ALL HARD INQUIRIES removed immediately, because it has created negative impact on this consumer, and i have been denied credit in my pursuit of happiness, and they are expressing to me that they can remain there, when i never gave XXXX written consent to any of them in the first place, this information is damaging and i recieve no benefit from this unauthorized use 15 usc 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Bank account or service

Although I closed my checking and savings account quite a while ago because of poor service, lies, threats and no reponse the past couple of years from complaints made to the bank 's corporate headquarters, First Merit Bank continues to harass me - in retaliation for several complaints I filed against it with the CFPB. Again, for the month period ending in XXXX, the Bank mailed me a statement. It showed no previous balance, no transactions, and no ending balance. First Merit Bank employees are either the most vindictive or the most incompetent - or both. Their being a bunch of XXXX incapable of serving the public should cause the feds to revoke their banking charter.
Product: Credit card or prepaid card

At this time CashApp has refused to reactivate my debit card with the numbers XXXX CashApp connected my debit card to a phone number that I no longer have and when I attempted to use my debit card, it does not work. I have contacted CashApp to no avail. They request that I create another XXXX, and I did. However, I have accounts linked to the old XXXX  and I want that transferred over to my new phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan of {$1000.00}. I was desperate to get money quickly and didn't read all of the fees. I read the next day and immediately did the website chat to tell the company to cancel the loan. The said they would and didn't. I got the loan amount in my account. The fees and charges are so high, I've been paying {$320.00} twice a month for 2 months and still owe {$600.00}.
Product: Credit reporting or other personal consumer reports

Hello Looking at my credit report and disputing with the 43 bureaus which have gone nowhere and now no correspondence from them, I still have discrepancies that must be removed immediately.

These discrepancies are majorly impacting me from providing a house for my family.

According to 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 : XXXX XXXXXXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( 1 Account XXXX XXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( 1 XXXX XXXX Bankruptcy Reference number XXXX, XXXX This has been on my credit reports for 9 years violating 15 U.S.C 1681c. ( a ) ( 5 ) I am asking for these accounts that are reporting incorrectly to be removed immediately. Thanks
Product: Money transfer, virtual currency, or money service

Paypal is intentionally, knowledgeably and willfully obstructing justice by submitting false statements to CFPB or I need help from CFPB with additional questions to stop that power abuse that Paypal is doing constantly not allowing to move money to the bank of my choice. Paypal welcome to add money in to use my money for their benefit as I found along with XXXX XXXX for free one sided without benefit to me, but do not allow me to transfer my money to the bank of my choice. I was not even allowed to move my money to XXXX Bank that affiliated with Paypal. I opened an account with XXXX Bank. I already got a XXXX XXXX card and was able to link it with my Paypal account. But when I tried to add my checking XXXX Bank account to my Paypal account Paypal resist to allow it. Paypal did not allow me to log into my XXXX Bank account to connect instantly, and I tried to connect my XXXX account manually and provided the routing number and checking account number and nevertheless Paypal did not allow it anyway even I already linked the XXXX Bank debit card. I did try it not just one time after I opened new account with XXXX Bank. 
I attempted to do the same from XXXX account. From XXXX Bank account I was prompted to sign into my Paypal account to link instantly. The message stated that it was successfully linked, and it showed the total balance amount on my Paypal account. But, it did not allow me to transfer money from Paypal to XXXX. It stated that it will take some moments for Paypal to appear on my XXXX account and it never did. I did the same thing XXXX more different times and the same thing happened. The confirmation of success initially appeared every time, but Paypal continues blocking link to my XXXX Bank account preventing me to move my money out of Paypal. 
I tried again to do the same on my Paypal account. Paypal did not allow the instant linkage. So manually I provided XXXX Bank routing number and account number and Paypal did not allow XXXX Bank to be linked to my Paypal. XXXX Bank is not the first bank that Paypal continues blocking from my Paypal account. How I can end Paypal 's criminal abusive behavior? Paypal management keep everything in the dark and delete from my account our conversations in writing and refuse to provide a transcript of messages. here is no chat available on my account. Paypal lies that messages kept for records for 90 days, when in reality it is not available for access as soon after it disappear from the screen. Paypal does not allow me to put any issue in Resolution center. Paypal does not allow me to operate with my money. Paypal is blocking my money from my actions.
Product: Credit reporting or other personal consumer reports

Experian Credit Reporting placed a security freeze on my account without my consent. They did this when I was a victim of hacking and theft. It is happening again with them illegally. My name was XXXX XXXX and I need my info corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus about a problem on XX/XX/XXXX and they have yet to respond. my biggest issue is that the bankruptcy there roporting doesn't belong to me I even reached out to the bankruptcy court and they sent me a letter saying that they do not report so how this information is on my credit I have no idea but i would like it to be removed right away
Product: Vehicle loan or lease

My father passed away toward the end of XXXX. I was still in possession of his truck at the time. There was an outstanding auto loan for the vehicle with BBVA Compass. In early XX/XX/XXXX, I called the bank to get the total amount outstanding. I was transferred to several departments ( auto loans, marketing, default, probate, etc ) prior to finally finding an individual to give the entire amount due, including interest and fees. I asked if I could take the payment in to a local branch and was told it would not be accepted. I was advised the check could only be accepted by the probate department by mail. I wrote check XXXX on XX/XX/XXXX and sent it via XXXX Priority Mail. The check cleared XX/XX/XXXX. I awaited the title but it never came. On Saturday, XX/XX/XXXX, my wife and I had to leave town to attend the funeral of a beloved family member. A close friend agreed to stay at our home to watch our XXXX year old son while we were out of town. At approximately XXXX, my friend heard " a loud crash '' and ran outside to see the truck being repossessed by a local towing company. She panicked and asked him to stop because the owner wasn't home. She was told she could get nothing out of the car, but pleaded with the driver and was allowed to get my son 's car seat. The driver told her to inform us to call the bank. Because I live in a small middle-class subdivision, several people witnessed the commotion. As I was sitting inside the church over two hours away from home during the funeral service my wife and I received a text message from the friend advising what just happened. We were horrified and completely humiliated. By the time we returned home, the friend was able to provide details of the event and give me the name of the tow company. I waited until Monday to take my wife to work so i could use her car to visit a local branch of the bank to advise of what happened. They were initially unable to get any information and was told they would call me. Several hours later, I received a call from what I assume was at minimum a state-level individual stating he was directed by his boss to return the truck. The towing company returned the truck to my home later that evening along with my possessions that had been placed into a trash bag. I suffered a very public humiliation in front of friends and neighbors due to a wrongful repossession. To make matters worse, I have still not received the vehicle title.
Product: Credit reporting or other personal consumer reports

i did not ask XXXX to freeze my report. they did it they did not remove the identity theft, which they have a case # for and XXXX  docs since XXXX from XXXX XXXX The do not have every bit of information on the credit report in terms high limits they have my landlord but do not list monthly payments correctly and ive been here since XXXX. they dont have amount paid on XXXX XXXX for months reason report not updated? they did not request or supply a copy of ally financials XXXX policy nor validate the forgiveness letter for XX/XX/XXXX which is a gift apparently but still not annotated. student loan they closed because I paid but marked me marked 90 days late or XXXX most of the time and the loan never defaulted. how do you go frim paid or defferred to 90 days late. they did this for many years after a lot. XXXX XXXX be responsible but bot my fault
Product: Credit card or prepaid card

My Capital One Visa Platinum Card was closed in XXXX of 2018 without any notice. I was told it was as a result of return payments on the account. Throughout the course of my tenure with capital one, I accrued reward cash offers and had no issues redeeming them for statement credit or gift cards. I currently have a balance of XXXX and was told that I would not be able to redeem them due to my account closure. As previously mentioned, my account was closed with no warning. I did not receive an email or letter stating why it was closed or that it was closing. I did not find out until I tried to use my card and it was declined. I have contacted capital one about receiving my rewards credits as either a statement credit or redeeming it for a gift card and they are refusing to honor my rewards because the account is closed. I was never given an opportunity to redeem said awards before account closure because I was never even told my account was being closed. I am confused as to how I can redeem awards before the account is closed if I am not notified the account is being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX XXXX AND XXXX 
ACCOUNT NAME : SYNCB/CARE CREDIT, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX XXXX AND XXXX 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX  XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : MEDICAL, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX ..., REPORTING ON : XXXX XXXX  AND XXXX,
Product: Credit reporting or other personal consumer reports

I submitted complaints through the CFPB portal on XX/XX/XXXX and XX/XX/XXXX hoping for a prompt resolution to this erroneous reporting but it has not happened. After speaking with XXXX XXXX multiple times they have failed to update my payment summary to 100 % accuracy according to the FRCA. The account has been consistently updated as charged off every month. This perpetual updating of the payment history is highly irregular and misleading. A charged-off account should not include an active payment history, as it falsely manipulates the statute of limitations. I have attached documentation from them stating the account was charged off XX/XX/XXXX however they have reported it as a charge off 18 consecutive months AFTER it was Repossessed and for another 35 months they did not report to the credit bureaus, they then started reporting again in XX/XX/XXXX for one month, only to stop again and start reporting again XX/XX/XXXX until XXXX and now they have the account as Closed Paid. This reporting is clearly inaccurate and in violation of my rights. 

They have also updated the payment history to Paid, Closed but the most recent payment status in XXXX is XXXX, how is that possible? It's clear they are not playing by the rules they agreed to and need someone to step in and assist them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Boa closed my account without reason while my account was in the negative due to financial hardship. Bank of America falsely reported potential fraud on my XXXX XXXX  account. I never committed fraud and its affecting me opening up accounts with other banks.
Product: Debt collection

I received your letter regarding the dispute I have with XXXX XXXX, which states they confirmed that I owe a balance of {$300.00} in which I am still disputing. They seem to have this as an open account which is not true so you have been given information under false pretense. When my contract with them ended I immediately went with another provider. I returned their equipment and paid what I owed ( so I thought ). Months later I began receiving a bill. I called several times regarding the bill and asked for a print out to show my payment history. I was told every time I called one would be provided. It never was. Now it would appear to me if Im asking for a print out to show proof that I owe this amount why cant the information be provided? 
This account has been closed for years, however, you stated your investigation is complete and the information was true as given to you so I am asking you to please share with me the documented proof that I owe this amount and I dont have a problem paying even though my experience with the was not a pleasant one. If this evidence would have been provided at the time requested this situation would have been resolved.