23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked these people to stop calling me around 5 times already. There has been times when they call daily 2-3 times a day. They said that because I signed a contract with them, that they can call me as much as they want. I stated to them that by law they have to stop calling me and they say that they do n't care and that they are going to keep on. Also they threatened me to reposes my car. According to the contract I signed on paragraph XXXX it states that if I want for them to stop the calls, for me to let them know, which I have and they refuse to do so.
Product: Checking or savings account

To whom this may concern : Ive had an account with chase bank for 10 years and on XX/XX/2022 chase decided to close my account without my knowledge. 

My check was deposited into my checking account from my current employer and chase froze my account and did not provide access to my hard earned money. I called the XXXX number which advised me to walk in the chase bank and speak with a teller which the teller told me they have sent a check out and I should receive via mail within 10 business days. 

Today ( XX/XX/2022 ) is the 12th business day. Ive called again today and asked why I havent received my money yet and a lady said to please give a couple more days. Ive been patient enough and this is unacceptable because I have bills to pay. 

Also back in XXXX my original account was reported fraud and Ive gotten so many letters regarding the issue on my checking account and it only wrote off some of the deposited checks in my account without my knowledge or consent. I always walk into a Chase branch to discuss this matter and was ensured that I would be compensated but I have yet to receive that check for the original account that my paycheck was also deposited into that original account which was taken from me and I was left with a negative balance on my account. 

I reported my debit card lost and I did not notice until I signed into my online banking and realized I had way to much money in my account that I had no idea where it came from and I called the bank to report it. I also filed a police report. Now I am no longer an account holder with chase and I need answers and my hard earn money back. 

Ive been receiving letters regarding that I owe a negative balance from my initial account when I reported fraudulent of the unauthorized charges. Also chase wrote off on some of the unauthorized deposits and withdrawals but not all and it makes no sense at all. If I dont get a response or help with this situation I will have to take this to higher measures.
Product: Credit card or prepaid card

XX/XX/2022, my wife and I took a flight on XXXX XXXX flight # XXXX from XXXX to XXXX. On that flight we were offered XXXX airline miles to take out a XXXX XXXX  Card with Barclays bank. Also there was a bonus XXXX miles for entering a XXXX digit code, that was hand printed on the back of the pamphlet. We accepted the pamphlet and took it home. 
On XX/XX/XXXX we went on line to the credit card website, XXXX and successfully completed the application and received an approval. 
We made our first required On purchase on XX/XX/XXXX that would initiate the transfer of XXXX miles to my XXXX XXXX account. 
To our dismay, we only received XXXX miles, not XXXX as advertised. 
On XX/XX/XXXX, I called Barclay 's customer service. The front line representative could not solve my problem so I asked for a supervisor. He issued me a case # XXXX. I was transferred to nice lady who said she could help me. She requested that I send photos of the front and back of the pamphlet to XXXX. I stayed on the line and she verified that she had received the photos and Barclays would respond to me within 3 days. 
I received a letter from Barclays on XX/XX/XXXX stating that " We're currently unable to assist you with your Rewards Issue '' Please call us at this XXXX number for details. I called the number on XX/XX/XXXX and was told there was no option except to issue another complaint. 
I then called XXXX XXXX customer service on XX/XX/XXXX. They called Barclays on my behalf but were told that the pamphlets were old and the offer was out of date and all I was entilted to was XXXX. 
My complaint is that the offer was fraudulent if I was given a out of date pamphlet and they should still come thru with the miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$9700.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I received my credit report and I checking to make sure everything was reporting accurately on my accounts. When I went to the collection section and I noticed there was two collections reporting on my report. The name of one the companies is XXXX XXXX XXXX for the amount of {$5200.00} thats been reporting open since XX/XX/XXXX. 

The next collection is with the company called XXXX XXXX XXXX for the amount of {$150.00} thats reported open from XX/XX/XXXX. 

On XX/XX/XXXX I sent both companies a Cease and Desist Letter informing both of them that they are in violation of the consumer law

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Ive stated to them I have no contract with neither company nor have they sent me any dept validation as Ive asked to even verify that I had a written and signed agreement to even pay either company of the alleged dept they have both just ignored my request. 

XX/XX/XXXX I noticed on my credit report my credit card company XXXX XXXX XXXX XXXX is reporting two late payments from XX/XX/XXXX of 30 days late and XX/XX/XXXX as 60 days late. 

XX/XX/XXXX I noticed on my credit report my loan I took out from XXXX XXXX is reporting 30 days late on XX/XX/XXXX. Ive sent both of these companies stating that they are both violating the law as well as stated in Pursuant 15 USC S16813 2 ( A ) 1 ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME and the person YOU Put the Creditor Name here Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with vour company. CONGRESS clearly state that the reporting of Transactions or experiences between the CONSUMER and

the PERSON making the report is not included on the consumer reports! These four items on my credit report have damaged my livelihood and reputation for getting credit lines
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, the following accounts have directly violated my rights : XXXX  XXXX : Account # XXXX XXXX XXXX XXXX XXXXk : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 A states that I have a right to privacy. 15 USC 1681 Section 604 A also states a consumer reporting agency shall not furnish an account without my written instructions. 15 USC 1666 B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have assumed a debt and I want the updated information posted to my credit file. Information, and proof of ownership is attached.
Product: Money transfer, virtual currency, or money service

Ticket # XXXX. On XXXX XXXX I made a {$1600.00} purchase on XXXXXXXX for a crypto currency know as ETH. I have verified every single part of the transaction to include the purchase amount actually showing the purchase of said crypto directly on the XXXXXXXX exchange. However, the amount of purchase for said crypto was never credited to my XXXXXXXX  account and still to this day does not reflect the actual purchase made even though there own exchange reflects the purchase of the crypto. I have tried on several attempts to reach out to the business but have not received any response back aside from the standard generic computer generated email stating they have received my submitted ticket requesting assistance in the matter.
Product: Mortgage

There is Arsenic in the water XXXX very high will kill my family this was not disclosed to us. The mortgage company did not take a well water test they did take a test from the XXXX XXXX. Which goes against VA XXXX. It is a requirement for a FULL well water test including potable water AND hard metals. SO now we have a house that is uninhabitable. Please reach out to me for any specifics since the information is personal information. You can reach out to me for documents we also hired an attorney and contacted VA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

reported the ftc violations to FTC and now CFPB please get this corrected accounts : {$420.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX  Opened XX/XX/XXXX + {$50.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$47.00} Original creditor : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XX/XX/XXXX Creditor Name XXXX XXXX XXXX  XXXX Account Type Secured Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$110.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Creditor Name ATTORNEY GENERAL-XXXX Account Type XXXX XXXX   Account Status Open Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment {$370.00} Responsibility Individual Account. 
Balance {$25000.00} Highest Balance -- Payment Status 120-149 Days Late XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX XX/XX/XXXXClosed Date -- Limit -- Term 65 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$10000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$10000.00} Times 30/60/90 Days Late 14/1/1 Remarks Charged off account un XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 64 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance -- Payment Status Collection/Charge- XX/XX/XXXX Collection Agency XXXX XXXX  XXXX  Original Creditor XXXX  XXXX  XXXX  XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$420.00} High Balance {$420.00} Remarks Medical XXXX XXXX  XXXX  {$50.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  XXXX  Original Creditor XXXX   XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$50.00} High Balance {$50.00} Remarks Medical XXXX XXXX XXXX {$47.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX  XXXX  XXXX  XXXX  XXXX PA Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$47.00} High Balance {$47.00} Remarks Medical
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the third party hack of Equifax, my personal information ( SSN, date of birth, credit card numbers, home address, telephone number, and other key personal info ) could have been or was stolen. According to the Equifax security site, where they will obscurely tell you if your information was stolen, and mine was. The hack happened in XXXX but we were not told about it until Thursday, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX late payments reporting on my credit report due to PNCs error. The first late payment was on XX/XX/XXXX it was during the pandemic and I was told by a representative that I would be approved for a skipped payment. I elected for this option because I was laid off. The representative assured me that I would be approved and this call was recorded. Two weeks later, I saw that I WAS NOT approved and that the payment reported late for that month ( XX/XX/XXXX ). 
The second occurrence was XX/XX/XXXX. I made a payment and PNC confirmed there was a glitch in the system and it did not properly record my payment even though I had proof. I reached out to a XXXX XXXX in the executive relations dept. After emailing him 3 times, he finally responded. He assured me that the error would be fixed and that he would follow up. He never did. So I called back and escalated my complaint further. I spoke to a man named XXXX. He reviewed my complaint and stated that he would remove the late payment. The payment is STILL on my account and my mothers credit report XXXX XXXX ( who was my co signer ). I have proof that I spoke to these people and they promised to remove the late payments, but NEVER did.
Product: Checking or savings account

On XX/XX/XXXX I opened 2 accounts at Citibank. I funded the accounts with checks from a different bank. The next day Citibank initiated ACH transfers from that different bank without my authorization or access information ( account numbers ). They withdrew funds from my other bank without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting these accounts inaccurately. I spoke to Equifax today, XX/XX/2022 and to state that ALL XXXX XXXX. XXXX  XXXX accounts aAll US DEPT Education accounts listed below accounts are to be removed, as XXXX am not liable for these accounts. 

Account Number XXXX XXXX Reported Balance {$45000.00} XXXX XXXX XXXX. XXXX  XXXX Summary Account Number XXXX XXXX Reported Balance {$33000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX Reported Balance {$13000.00}
Product: Credit reporting or other personal consumer reports

What happened ( Identity Theft ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of 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 mobile phone line opened at XXXX on XX/XX/XXXX resulting in collections account at XXXX XXXX XXXX with a balance of ( {$1000.00} ), a utility/internet account opened at XXXXXXXX XXXX  on XX/XX/XXXX resulting in collections account at XXXX XXXX XXXX  with a balance of ( {$340.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked. Social Security numbers, credit card numbers, and names were some of the things that were stolen. I entered my information and it claimed that my data may have been compromised. This puts me at great risk for credit fraud. 

If the company was storing this data in plain text then this was negligence and the company should be punished severely. Most major companies encrypt data to prevent this kind of information from being stolen.
Product: Credit card or prepaid card

tried to open dispute for XXXX in past 45 days and it wont so i emailed 12 times and they didn't respond. all documentation in the inbox to them. no one that adequately speaks and understands English ever answers, if anyone at all.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax 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 XXXXXXXX XXXX XXXX  under the account number ( private ), a personal credit card account opened at XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ) and a XXXXXXXX XXXX XXXX account opened at XXXX XXXX XXXXXX/XX/XXXX with a balance of XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 reporting

XXXX XXXX HAS ME REPORTED TO XXXX & EQUIFAX AS HAVING A NEGATIVE ACCOUNT?? I CLOSED THE CREDIT CARD A COUPLE YEARS BACK DUE TO NOT WANTING TO PAY THE YEARLY FEE. THE NEXT THING I KNOW, THAT REPORTED ME AS HAVING A MISSED PAYMENT WHICH I NEVER DID. AND I GOT IT REMOVED BEFORE. AND NOW IT 'S BACK ON MY CREDIT REPORT AGAIN?!? AND THIS TIME IT HAS 2 MONTHS AS LATE AND THE MONTHS ARE EVEN REPORTING DIFFERENT.?!!? 
AND THEY HAVE BEEN RUNNING INQUIRIES ON ME AND I DONT EVEN HAVE AN ACCOUNT WITH THEM ANYMORE!!!?!? 

THEY CA N'T DO THIS. IT 'S HIGHLY ILLEGAL. AND IM GOING TO SUE AT THIS POINT. THIS IS RIDICULOUS!!
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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 XXXXXXXX XXXX .15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$10000.00} XXXX XXXX {$9200.00} XXXX XXXX {$4800.00} XXXX XXXX {$0.00} XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

The information XXXXXXXX XXXX  submitted to Experian Credit Bureau is incorrect information. I am NOT deceased as XXXX XXXX stipulated. This information was fraudulently sent by XXXX XXXX XXXX 

Below is the fraudulent information sent to Experian Credit Bureau : Account info Account name XXXX XXXX  Account number XXXX Account type Charge Card Responsibility Deceased Date opened XX/XX/XXXXXXXX  Status. {$170.00} written off. 
Status updated XXXX XXXX XXXX
Product: Debt collection

Navy Federal took {$710.00} out of my checking account and I was unaware that they were able to do that to satisfy a credit card debt!! That was all the money I had!! I get XXXX and I had to put money in this account due to the fact my card was closed down!! I already contacted them and they said it was nothing they could do and could not give any of the money back and they had the legal right to get it cause I agreed with my signature on a promissory or agreement!! So I asked them to send it to me and they sent me a bank disclosure!! I researched and read that banks are not allowed to offset accounts for credit cards!! Can I get any assistance for this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes several times to Experian/XXXX  and XXXX  and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX XXXXNOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXXXXXX XXXX XXXXXXXX XXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979