23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, around XXXX PM, the ATM at Chase Bank near XXXX XXXX XXXX " ate '' my money, and it never came out. The transaction to pay for my credit card didn't go through. I have all the evidence : photos and receipts. But they just don't refund me anything and did not compensate me after XXXX months. 

The amount is {$1.00}. 

I called immediately after that happened, but the woman on the phone said I needed to visit in person. RIDICULOUSLY, I went to that bank again the same week, and they said they could not help me get my money back.?????? The machine is just outside the door of this bank ; how cant you help? They said I needed to call. When I asked the bank counter some other questions, the woman even lied to me. Ridiculous. 

I called again, but they said they were out of business hours and needed me to call back. 

I'm so tired ; it's just {$1.00}. I don't want to waste more time dealing with these unhelpful people at XXXX. But I think that is MY MONEY, and I NEED IT BACK. 

I called again, but the unfriendly and unhelpful XXXX representatives just kept transferring me from one to another and did not solve the issue in XXXX minutes of phone calls. 

I NEED COMPENSATION for the time and the phone bill I spent dealing with those unprofessional Chase bankers. It's so annoying and makes me soooooooo ANGRY...
Product: Debt collection

Atlantic Collection has placed a collection on XXXX for {$240.00}. No notice was sent no information was shared. I called to resolve no help. This is a medical collection XXXX XXXX of XXXX. I am a senior citizen and I have never been to this imaging center.
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 and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$67000.00} XXXX XXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$5600.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$940.00} XXXX  XXXX XXXX Balance Owed : $ {$660.00} XXXX XXXXXXXX XXXX Balance Owed : {$170.00} SXXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$69000.00} XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$7600.00} XXXX XXXXXXXX Balance Owed : {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : WELLS FARGO BANK Account number : XXXX Date opened : XX/XX/2021 Account status : Open Status updated : XX/XX/ Account type : Credit Card Payment status : Current Balance : {$7900.00} Balance updated : XX/XX/ Credit limit : {$9000.00} Usage : 87 % Monthly payment : {$100.00} Highest balance : {$9600.00} Terms : Revolving Responsibility : Authorized User
Product: Credit reporting or other personal consumer reports

I have filed this report with the FTC in the past and have requested proof from this company on many occasions that this debt belongs to me and not someone else of the same name. This account was opened fraudulently in my name or someone with the same name. I keep disputing this Chase acct and they keep reporting it to the credit bureaus every few months causing it to reappear and causing me to keep having to dispute this every few months for five years now. I have included a fraud statement on my credit report and have purchased credit monitoring from two companies and the credit bureaus have refused to remove this account from my credit report. Please assist me in having this fraudulent account opened in 2019 removed/deleted from my account and never reappearing. All of my accounts that legitimately belong to me are being paid in a timely manner and no outstanding debts. Thank you.
Product: Credit card

My credit card charge me for a late fee the reason is they couldn't withdraw my payment on due date. My checking account was restricted do to someone trying to call my bank on behalf of my name. My bank told me I have to close my old checking account and open a new one. I explained this situation to my credit card they asked for my bank to call and confirmed that this is what happened to my checking account and I don't have to pay for a late fee since its not my fault and i payed on time but since my funds were transferred from old checking account to a new checking account. My credit card said i will still have to pay a late fee without any further explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter on XX/XX/2023 from Jefferson Capital Systems , LLC about an alleged debt from XXXX. This account is in litigation with XXXX XXXX at this time. 

Pursuant 15 USC 1681a ( d ) ( 1 ) -you do not have and written or oral consent to furnish this alleged debt. Jefferson Capital Systems is violating my rights as a consumer and doesn't have permission to furnish this alleged debt.
Product: Debt collection

They have reported a debt to my credit report that is not mine. The company was also harassing me and I told them the debt was not mine. They said they were investigating and I never heard back. In the meantime, this debt that is not mine is harming my credit and repenting me from purchasing a house. 

Debt is for {$XXXX} per my credit report
Product: Debt collection

THE BEST SERVICE COMPANY, In accordance with 15 USC 1692g, I, A consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " XXXX XXXX of XXXX '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES XXXX XXXX. Please be advised that if you fail to respond to this dispute within XXXX  days, I will be forced to escalate this matter and take appropriate legal action.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). In Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disput resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electrionic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Parag
raph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative credit entry on my credit report for an account that was paid in full. The creditor is IC System and this account has been paid in full. When I contacted the collection agency, the representative agreed to completely delete the item from my credit profile and it still appears as a negative account.
Product: Checking or savings account

my card was working fine yesterday XX/XX/22 i wake up this morning i cant login XX/XX/22 and bank of america telling my account is closed with no reason at all i needed my money for bills now i dont have none and confused on too whats going on because i also got business accouny with then and my business account is fine.
Product: Money transfer, virtual currency, or money service

Hello, I contacted Venmo on XX/XX/22 to let them know they had someone's Venmo XXXX XXXXXXXX XXXX XXXX XXXX for me to access and use attached to my Venmo account. I accessed the app to send money to a friend and noticed this and called immediately to notify them of this at XXXX and was told that I reached the credit card company and was told I needed to contact Venmo directly at XXXX. I then contacted that number to notify them. I was told that a case had been filed and escalated to have the issue corrected. I was contacted by Venmo via email asking for additional information and account verification. I sent them a selfie of myself holding my XXXX XXXX XXXX, a picture of the front and back of my drivers license and emailed it back to them. I was told it was received and that they had corrected the issue. It has been over a month with numerous attempts to have this issue corrected and this persons XXXX XXXX XXXX XXXX still attached to my Venmo account in which I could activate and use at any time. This is completely unacceptable. I should not have to go through this to get someone that has nothing to do with me off my account and the poor person that has the credit card. What if I was a criminal and decided to use this card or XXXX XXXX I would be XXXX if my information was out there like that provided by a company that I entrusted to keep my information safe. Please can you help in any way or guide me to someone that can? Thank you.
Product: Debt collection

I was contacted by What I believe was GLA collections ( as Id had a call from another number about a week before and the number did identify as their agency. ) the agent I spoke with said hes calling to settle a case. I am aware of the FDCPA laws in place. I asked specifically 3x WHAT COMPANY ARE YOU WITH? The agent repeatedly stated hes calling to handle a matter for a case on my maiden name
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX EQUIFAX XXXX It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXX XXXX  '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT 1.FAILURE TO HONOR GOD GIVEN RIGHTS {$20000.00} 2.SILENCE/DISHONOR/DEFAULT {$5000.00} 3.FAILURE HONOR/NO BOND {$5000.00} 4.USE OF STREET ADDRESS {$5000.00} 5.FAILURE TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR 6.REGULATIONS {$50000.00} 7.FAILURE TO PRESENT A INJURED PARTY {$100000.00} 8.FRAUD PER OCCURRENCE AND INCLUDES ANY 3RD PARTY {>= $1,000,000} 9.DISHONOR IN COMMERCE PER OCCURRENCE AND INCLUDES 3RD PARTY DEFENDANT {>= $1,000,000} 10.ATTEMPED EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, SSN ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} Without Prejudice, UCC 1-308, 305 [ acceleration ] ; 104, 107 ; 3-419, 603/3-311, 109, 302, 306 ; 10-104 ; HJR 192 Treatment of credit balances. 15 U.S. Code 1666e ; 15 U.S. Code 1666 ; 15 U.S. Code 1666d ; 15 USC 1662b ; 18 U.S.C 1951 ; 31 U.S.C. 3701 ( d ) ; 31 U.S.C. 3716 ( h ) ; 42 U.S.C. 407 ; 42 U.S.C. 1383 ( d ) ( 1 ) ; 31 U.S.C. 3716 ( c ) ( 3 ) ( B )
Product: Payday loan, title loan, or personal loan

There was a credit adjustment made on my account on XX/XX/2019 according to XXXX, I contacted the department multiple time regarding that adjustment, believing that it should cover 2 payments, I spoke to Uplift multiple times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It wasn't until our conversation in October where I finally received a clear explanation as to what happened through a follow-up call with an employee. She expressed management almost chewed her head off for asking about the adjustment again, stating they had resolved this issue. The problem was that no one actually emailed me back or called me to let me know why there was a difference in payment. Then I realized that the refund they received XX/XX/XXXX was not applied until XX/XX/2019. This caused there system to generate an over 30 day payment delay in my credit report. When I contacted them about removing the late payment, as the adjustment should have applied prior to that, they said there was nothing they could do and the system did not recognize it as a payment. I do not agree with their answer and I am very dissatisfied with the length of time it has taken to resolve the issue that led to this moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ask to remove address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX from XXXX and XXXX due to I have never lived at this address and this was incorrectly reported by a 3rd party, XXXX XXXX XXXX who had to refund me my money due to fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've given info to XXXX more than once proving several accounts were fraudulent or have fraudulent activity and they will not remove the fraudulent activity. XXXX has far more to harm my credit than anyone else. I think it's disgusting that the main reporting agencies are abusing their authority so blatantly. XXXX with their data breach and XXXX for not investigating disputes. I want them held as accountable as I have been for their criminal disregard for my credit. I expect a quick and harsh punishment for these agencies as well as lenders who knowingly lie and manipulate the books. I will be planning to go to Washington DC and have a peaceful sit-in protest until all government agencies are held accountable for their neglect and non action
Product: Credit reporting or other personal consumer reports

Despite my previous 4 written requests, the unverified items still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items are accurate but they failed to send me copies of the documents that they used to verify those accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Product: Debt collection

XXXX prematurely reported a collection account to Experian, disregarding my request for validation, and prior to the initial collection letter sent to me.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theft all of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
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 Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have noticed several accounts on my credit report that do not belong to me. These accounts were opened without my knowledge or consent, violating my privacy rights under 15 U.S.C. 6802. I did not authorize the sharing of my personal information, nor was I given the option to opt out before these accounts were furnished on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the immediate removal of these fraudulent accounts from my credit report. Additionally, I demand that any negative information associated with these accounts, including late payments and charge-offs, be deleted. I am a victim of identity theft and did not authorize these accounts ; therefore, they should not be reported on my credit file. 

This situation has caused significant harm to my financial well-being, and I request your prompt action to correct this matter.
Product: Debt collection

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Debt collection

I received a copy of my credit report.. I am concerned about the infirmary being reported. Please investigate the following accounts, because I do not believe the information to be accurate. Please remove the inaccurate information from my credit report. Fifth Third Bank.. ss # ending in XXXX Is showing 90 days late.. With a balance of XXXX as " CHARGE OFF '' this is in clear violation of 15 USC 1637 ( b ) 15 USC 1666b 15 USC1681s-2 15 USC 1681i 1099C According to the FCRA, accounts that have been disputed by the consumer , must be noted as such. I have repeatedly stated that this account was opened up fraudulently. Your failure to investigate this account, and notate it as such is in violation of the FAIR CREDIT REPORTING ACT! please remove it Immediately from all XXXX  credit bureaus!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Transunion along with providing proof of debt payoff but Transunion is not correcting the credit report at their ends. Transunion is report XXXX debt collection 1 is from CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX with balance of {$21000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$21000.00} whereas I have proof that shows the account is now with XXXX XXXX XXXX does not conduct servicing or debt collection activities. So, you'll need to contact XXXX XXXX  to talk about the status of your loan. You can reach them at ( XXXX ) XXXX. Best Regards, XXXX XXXX. I have settled debt with XXXX and requesting Tansunion to remove both negative balance from my credit report which Transunion is not agreeing with.