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

On XX/XX/XXXX, I received a Debit Card from Chime along with a letter that says " Welcome to the Chime Family '' Activate your card, set up direct deposit, and you're ready to role. It also had a Bank Account setup in my name from XXXXXXXX XXXX XXXX. formerly XXXX XXXXXXXX XXXX XXXX XXXX along with a routing number and account number. 

I called Chime Customer Service on Sunday XX/XX/XXXX who said they could not help me until I gave them my personal information like last 4 SSN. I elected to call on Monday XX/XX/XXXX and talk to the Chime Fraud Department. I asked the same question as to why I received the Debit Card since I have Fraud Alert and Credit Freeze with all three Credit Bureaus. The Fraud Rep at Chime could not answer why but said she would close the account. 

I then called the XXXX XXXX  to ask the same questions who said that the Routing Number and Account Number are Chime accounts so I would have to talk to them. I could not get a straight answer from either Chime or XXXX XXXX  as to who or why I was sent the XXXX XXXX. I work for a very large financial company and know that someone at XXXX XXXX knows very well why I was sent the card but they would not disclose this info to me. Financial institutions should not be able to operate this way and should be held accountable.
Product: Debt collection

Portfolio Recovery Associates has been reporting unverified and inaccurate information to the 3 major credit bureaus under my social security # illegally. They have failed to respond to multiple letters I have sent certified on XX/XX/2018 and XX/XX/2018, and they have failed to answer any request ( s ) of verification to verify their false claims. They have caused MAJOR damage to my credit file and I am currently considering small claims actions against them. This company has commited MULTIPLE violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws yet for some reason feels that it is above the law in its efforts to collect a debt that they are unable to provide any proof belongs to me.
Product: Credit card or prepaid card

I applied for a credit card with XXXX XXXX. It was denied due Equifax. I had a similar problem around 3 years ago. Equifax sent me a number of pages to fill out and correct their errors. It took some time to make all the corrections. Once sent back to them, the matter was resolved and I received the credit card. It now appears I have to start all over again with them. This is not acceptable to me. I have one small intentional debt and an annual income of {$80000.00}. Companies like Equifax hold a lot of influence and should be somewhat competent in their processes, otherwise, they should be investigated or shut down. What can I do about this?. Thank you ... XXXX XXXX XXXX ... .case reference # XXXX
Product: Money transfer, virtual currency, or money service

I recently purchased 2 items from XXXX using PayPal on XX/XX/2017 for the amount of XXXX. I noticed today XX/XX/2017 that my XXXX checking account was overdrawn due to the transaction. The descrepency being, when using PayPal as a payment method, my PayPal preferences are set both online and in store to draw from my preferred account, in this case, PayPal Credit. It did not, and instead my bank account was charged and lead to an overdraft. I had spoken to XXXX, very helpful and they directed me to contact PayPal, I immediately did so and they would not take my claim seriously, lied about their own policies, which are visible on their own website and it will draw from a checking account, only if there is no preference set for payment otherwise, which was and still is PayPal Credit. At the time there was sufficient credit line, and should have been utilized. They were very unhelpful and condescending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX via XXXX & Transunion, I have requested that XXXX   VALIDATE not just verify this account. 

I have no knowledge of this account. Please send a valid contract between XXXX and XXXX XXXX that was signed stating that I would pay them and giving them the right to report on my credit if I did not pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I am having many unfavorable experiences with your credit reporting agencies. After informing your credit bureau of the unlawful, inaccuracies listed on my credit report, they have failed to provide a reasonable update on the status of my requests. I am currently in the home buying process and this has an extreme negative impact on my life and my family.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I spoke via phone to XXXX, Experian rep, because I was denied credit to purchase phone at XXXX due to problem with Experian tax information. I knew there was a data problem because my credit rating is always in the XXXX range. XXXX quickly located the problem... saying it was on Experian 's end : several fields of my data had been overwirtten with that of another client. She fixed the fields in error but said it would take 10 days to correct system. She ordered a credit report that would identify corrective actions Experian took to solve the problem. I was concerned that the XXXX offer might not be in effect by the time the errors were fixed, but there was nothing else XXXX could do. A couple weeks later, I recieved a letter from Experian noting they had no data for XXXX XXXX in their database. I made at least a dozen phone calls to Experian, but was unable to get through even to leave a message. 

So I filed a complaint with the N.C. Attorney General 's Office requesting Experian assign a customer rep to correct the problem of my being denied credit for several months. Experian 's brief response from XXXX XXXX, Senior Regulatory Affairs Associate, did not address the problem or assign a rep. It contained the following inaccuracies : 1. " regarding the above mentioned deceased consumer 's personal credit profile ... '' 2. " we are unable to locate a credit record for XXXX XXXX XXXX. '' I can assure Experian I am not deceased and I received a recent Experian credit report # XXXX dated XX/XX/XXXX  reporting a credit rating of XXXX and listing several errors corrected. BUT I am still rejected at XXXX due to incorrect tax information. XXXX states there is nothing they can do .... that I have to fix the problem with Experian. 

Please can you help? I need Experian to assign a service rep who can see the problem through to a resolution that will allow me to purchase items on credit. 

XXXX XXXX
Product: Debt collection

Loan was taken out in my name as a result of identity theft. Debt collector sent certified letter and XXXX delivered it to wrong address and I did not sign for it. I was not made aware of attempt to collect until after garnishment of wages began. Debt collector was called as is not helpful. Tells me I need to contact lawyer and transfers me to phone number where I leave a message and no one calls back.
Product: Debt collection

Debt is not mine and was previously removed from my credit report due to fraud. Portfolio Recovery Llc keeps calling me several times a day even though I have asked them to stop calling me. They even filed a fraudulent lawsuit knowing that the dent is not mine that was dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am livid that Experian charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

XXXX XXXX customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring Experian and its executives to account for this.
Product: Credit card

I am writing to file a formal complaint against Citi Cards CBNA for causing me significant harm by closing my credit card account and reporting inaccurate information about my financial status. This action was based on false information that I filed for bankruptcy, which is not true, and the company also added an unauthorized inquiry to my credit report without my consent. 

Issue Summary : Credit Card Company Name : Citi Cards CBNA Account Number : XXXX Date of Incident : XX/XX/year> Details of Harm : Credit accounts closed, limits lowered Incorrect Bankruptcy Information : I was informed by Citi Cards CBNA that they closed my credit card account due to being notified that I had filed for bankruptcy. However, this information is not true. I have never filed for bankruptcy, and it appears that the credit card company either received incorrect information or misinterpreted my financial history. As a result of this false assumption, my account was prematurely closed, which has negatively impacted my credit score and harmed my financial standing. 

Unauthorized Credit Inquiry : In addition to the erroneous account closure, Citi Cards CBNA also added a new credit inquiry to my credit report without my authorization. I did not grant permission for this inquiry, and as a result, my credit score has been unfairly impacted. Unauthorized inquiries are harmful to my credit profile and should not have occurred without my explicit consent.
Product: Credit reporting or other personal consumer reports

I trust this communication finds you well. I am writing to express my deep dissatisfaction and ongoing concern regarding the multitude of attempts to rectify the presence of fraudulent items on my credit file. Despite my numerous submissions, supporting documentation, and repeated efforts to address this matter, the fraudulent items persist, causing significant distress and financial harm. 

I initially reported the fraudulent activities and promptly followed your established dispute resolution procedures, including providing necessary documentation and filing a police report. However, it is disheartening to note that, despite my commitment to cooperating with your process, the fraudulent items continue to tarnish my credit history. 

Enclosed with this letter, you will find copies of all my previous dispute letters, supporting documentation, and relevant correspondence submitted during my repeated attempts to rectify this situation. The continued presence of these fraudulent items on my credit report is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also severely impacts my financial well-being. 

I urge you to conduct a thorough and expedited review of my case and take immediate action to remove the fraudulent items from my credit file. The prolonged resolution of this matter is causing undue stress and adversely affecting my ability to secure credit on fair terms. 

I kindly request that you provide regular updates on the progress of the investigation and a timeline for the resolution of this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/202XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6800.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a Formal complaint on Equifax reporting agency I receive alert on my credit file that my debt to ratio limit was Over on 2 of my credit cards ( XXXX ) / XXXX Both those cards should be at XXXX  blance. and because of Equifax and My history I will not back down. I have filed Mulit complaint about this company with the cfpd and The Minnesota attorney generals office on this company I believe that it someone at that company is tempering in my credit file. the reason I have proof that I know that they are is XXXX And XXXX  reported on the same account info on the same day and Guess what their were reporting correctly. But just so happen MR Equifax had to go and report false information about me it is against the law for a reporting company to report false info. That is grounds for lawsuit each time I call there XXXX number they are very rude and nasty to me placing me on very long hold Guess What I will go toe to toe with you believe me. I have asked you to investigate credit inquires that I did n't authorize guess what you did n't send any of the information about that. PER THE FCRA IF YOU CAN NOT PROPLY VERIFY THE ACCOUNT IT MUST ME DELETE. CORRECT MY CREDIT BLANCE ON THE CARDS LISTED ABOVE OR ELSE I WILL BE FLYING DOWN TO YOUR OFFICE IN GEORGIA AND WO N'T LEAVE UNTIL SOMEBODY FIX THIS XXXX PROBLM!
Product: Money transfer, virtual currency, or money service

I ordered new cards from CashApp but could not activate the cards. I have tried to reach a live person and I have not been successful in speaking to anyone.
Product: Student loan

Took an unauthorized amount of money after a repayment schedule had expired.
Product: Credit reporting or other personal consumer reports

A couple days ago I received a letter in the mail from XXXX XXXX XXXX XXXX. Equifax keeps telling me to contact XXXX XXXX, and it does no good. I do not have any account in my name, address, or Social Security number with XXXX XXXX XXXX. I have attached a letter of proof from XXXX XXXX saying that they can not locate any personal account in my name. Since I have no account with XXXX XXXX Equifax must delete fraudulent inquiry " XXXX XX/XX/2023 ''
Product: Money transfer, virtual currency, or money service

Cash app is refusing consumers thier referal bonus as advertised. I have referred many new customers to cash app and when asking cash app about my referal bo us they say my referee didn't qualify without any explanation or perfomerd due diligence
Product: Debt collection

On XX/XX/2023, Resurgent Capital Services L.P responded to the original complaint on this alleged debt. Resurgent stated : " Resurgent does not condone harassment or unprofessional communication with customers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account, we found no evidence of the mishandlings alleged in the inquiry. '' They stated it's their goal, not that they dont make mistakes regarding compliance with federal laws ( FDPCA ) and regulations. Let me be clear Resurgent sent my father an email regarding hearsay information on this alleged debt. Also, may I point out this was before I received the 1692G letter on this alleged debt in the mail. Resurgent Capital Services L.P and LVNV Funding LLC are violating federal law. It clearly states this is a violation under 15 U.S. Code 1692C ( B ). Resurgent clearly states in their privacy notice that they do not share information with third parties. Resurgent & LVNV Funding LLC is clearly violating their own privacy notice regarding federal law. I demand Resurgent to explain their investigation process. I demand Resurgent and LVNV Funding LLC to close this account within their offices, I demand Resurgent & LVNV Funding LLC to cease collection activity on this alleged debt, and Resurgent & LVNV Funding LLC shall not report to any credit agencies. If Resurgent and LVNV Funding LLC does not comply with the information above I will fully enforce 15 U.S. Code 1692k. I will not be harassed, my family will not be harassed, and I will not do business with either Resurgent or LVNV Funding LLC that I did not consent to on an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX & XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance - ; XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$630.00} ; XXXX XXXX XXXX  XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXX {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XXXX XXXX  XXXX {$1100.00} ; XXXX XXXX XXXX XXXX  Balance {$950.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous requests 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 an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Checking or savings account

On XX/XX/2019 I placed an order for some jeans. I have only received a tote bag in my package. My jeans were missing. My financial institution needs to issue a chargeback.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint concerning a fraudulent account that has been inaccurately reported as a charge-off on my credit report from the company Apple Despite my repeated efforts to resolve this issue directly with the credit bureaus and the creditor, the account remains on my report and continues to cause harm to my credit standing. 

Steps Taken to Resolve the Issue : 1. Debt Validation Requests : I submitted debt validation requests to all three credit bureaus ( XXXX, XXXX, and TransUnion ) in compliance with the Fair Credit Reporting Act ( FCRA ). To date, I have not received any proof or documentation validating the legitimacy of this debt, nor a copy of the original contract or the assignment contract for the alleged debt. 
2. Disputes and Removal Requests : I have contacted the credit bureaus on multiple occasions, requesting the removal of this fraudulent account from my credit report. However, despite the absence of validation and the lack of contractual proof, the account continues to be reported. 
3. Creditor Reporting Inaccuracies : The creditor has also been reporting inaccuracies related to the account. Specifically, they have been reporting the account as charged off every month. A charge-off is a one-time event, and the continuous reporting of the charge-off every month is incorrect and misleading.
Product: Credit reporting, credit repair services, 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 : 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  has violated my rights XXXX Or 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, credit repair services, or other personal consumer reports

After reviewing my credit report I have noticed several accounts that do not belong to me. I ask that these be removed.