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

To Whom It May Concern, I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across several mistakes and inaccuracies that you are reporting. Please review and eradicate any of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant, or elsewise compliant to every single one even reach any of the regulations applicable laws, and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one requires immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now, and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made XXXX XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXX XXXXXX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!
Product: Money transfer, virtual currency, or money service

I recently turned in a check for {$1100.00} to Wells Fargo on XX/XX/XXXX and was told I wouldnt be able to access the funds until XX/XX/XXXX. The reason being is because Im overdrafted, which doesnt make sense because the amount I deposited was more than enough to make my balance positive. This is highly inconvenient as I have bills and other expenses that are now going to be late because of this absurd policy.
Product: Debt collection

after relaying to the supervisor of BULL CITY ( XXXX XXXX ) that i XXXX XXXX XXXX my be a victim of identiy theft, XXXX continued to request my personal info without validation or proof of any debt owed by me.The purported debt collectors ( XXXX XXXX ) have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in [ 15 USC-1692d ] 806. Their language and conduct violate the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and BUSINESS ETIQUETTE. 
Sopervisor XXXX XXXX told me that by law i was obligated to answer his questions and refused to fully cooperate with me in the settlement of this matter. 6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law.
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 Bureau 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 : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

PNC Bank has contacted me numerous times the past few days and every attempt I make to answer the call their call disconnects immediately. I know their calling because my checking account has been over drafted for a long period of time, and I'd be happy to explain to them how I can repay the debt and what to expect moving forward however I can't do that if they keep hanging up on me after initiating the call.
Product: Credit card or prepaid card

I purchased several prepaid cards from XXXX, two of them were never activated. XXXX activated one, but the other still does not work despite several calls and emails. XXXX finally referred me to Vanilla visa who asked me to send them my license, receipt and copy of the front and back of the card on XX/XX/22. They advised me at that time to wait XXXX hours. I have called several time after waiting XXXX hours and now they say wait another XXXX hours. At this point this is theft, all I want is my money back or a new card, a simple request. Today when I called for the 10th time I am told to wait for XXXX hours because they are waiting on XXXX response. XXXX hours is the response given to me on each call and it has been almost a month with no resolve.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

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

I have reached out to XXXX and XXXX to update my credit profile and remove inaccurate and fraudulent addresses, names and other information from my credit profile and they have refused to do so. i asked them to delete all of the following information and they have refused. XXXX XXXX XXXX XXXX Mi XXXX, XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX, XXXX, Mi. XXXX, XXXX XXXX XXXX XXXX, Mi XXXX. These addresses are inaccurate and fraudulent and they need to be removed. These names are inaccurate and need to be immediately removed, XXXX XXXX XXXX, XXXX XXXX
Product: Credit card

Synchrony Bank closed my account without notification with an available balance of {$240.00} without proper cause.
Product: Checking or savings account

I received a letter regarding my checking account stating Chase needed to collect personal identifying information and, your account will be restricted until it is closed, which means you wont be able to make any transactions or access your money. I called the number provided but was place on hold for 20 minutes, I gave up. I thought it was a scam to obtain my personal information. I tried to call the number numerous times the following week but was placed on hold for 20-30 minutes each time, I gave up. 

The following week I got through after 25 minutes hold and was told I needed to go to a branch with identification. I gave the branch office my Drivers License, Passport, Medicare card, and offered my tax returns, Social Security Benefit Statements and other documents that have the full SS #, I was told I needed a Social Security card which I could not find. I havent been asked for my Social Security card for years. 

Now I'm told the account is restricted and will be closed in 3 days. Coincidently ( or not ), this is just before the 90 day term required for which I qualify for a monetary incentive / bonus promised by Chase, the reason I deposited my lifes savings with Chase. 

I requested Chase to give me an extension of 7 days since I have applied for a replacement Social Security card. I was denied the extension. I strongly suspect that Chase is manipulating this situation so they dont have to pay the bonus as promised. Why did Chase accept my money and identification two and a half months ago to open the account but just now raises this issue? 

Today the account was closed. I didnt receive any notification ; I found out because I received a email notifying me of a overdraft of that account and when I accessed my Chase accounts, there was no account or record of the {$100000.00} balance. The local branch tells me that all they show is that the account is closed, no information as to where the funds are or the disposition. 

I called the Chase Compliance Department and after holding for 45 minutes, spoke to a agent that could only tell me the account was closed and they most likely will be mailing a check to me. I asked for any assurance or documentation regarding the disposition of my funds. I was advised to call back next week ( it was Friday ). 

This is very frustrating, ones expects better service and treatment from Chase or any financial institution, especially if you are a long term customer with substantial credit card use and a substantial deposit account. Its especially frustrating because there is no one to contact or to talk to. I did send an email and got a semi canned reply of no help. 

Chase probably didnt violate any banking regulations but it appears to me that Chase manipulated to avoid paying the sign up bonus. Besides, this is an outrageous and irresponsible treatment of their customers. This is especially egregious when they are handling my life savings with such indifference and arrogance. 

Im still waiting for a check to arrive in the mail.
Product: Vehicle loan or lease

In XX/XX/2010we purchased a vehicle financed through this company. We believe that we were unfairly taken advantage of. The interest rate was way too high. The cost of the vehicle was $ XXXX, by the end of the term we will have paid this company $ XXXX but I have a balloon payment of $ XXXX left at end of term that the company says comes from interest that they are willing to refinance at another ridiculous rate. At this point, I am ready to take legal action against this company. This was a shark loan from a company with immoral business practices. I see where they have had class action suits taken against them about the same unfair practices. I would like to open another class action suit against this company to give some relief to people that may be in the same situation with them.
Product: Debt collection

XXXX XXXX XXXX allegedly is trying to collect a dent I don't owed this is violation of the fair debt collection act 15 U, S, C 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX deleted 2 Public Records ( Bankruptcies ), from off of my Credit Report due to inaccuracies. However, on XX/XX/2019 XXXX turned right around and placed the 2 DELETED Public Records ( Bankruptcies ), that they previously DELETED off of my XXXX Credit Report, on XX/XX/2019 back on my Credit Report. Which caused a major drop in my Credit Score. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! I am requesting the same request, from TransUnion as well. TransUnion did the same exact thing. They DELETED the 2 Public Records ( Bankruptcies ) off of my TransUnion Credit Report, but put the 2 Public Records ( Bankruptcies ) back on my Credit Report. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! XXXX  has removed both of the Public Records ( Bankruptcies ), from my XXXX Credit Report, due to inaccuracies. Thank you XXXX. XXXX and TransUnion has caused a great ordeal of pain to me, as well as to my Credit Score. So, Im asking for both Credit Agencies to remove the 2 Public Records ( Bankruptcies ), from my Report.
Product: Credit reporting

I am formally requesting that the CFPB investing this matter. I do not feel that Experian 's XXXX system is sufficient enough to handle this matter. Please note that I am a XXXX Veteran XXXX This item does not belong on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

I have an account in collections with Blackwell Recovery, and I'm actively working with XXXX XXXX XXXX ( the original creditor ) to cancel my membership. I asked Blackwell, in writing, to return my debt which I'm within my rights to do under the Fair Debt Collections Practices Act. The person I spoke to on the phone was incredibly rude and tried to gaslight me into thinking I didn't understand my rights. I told them they'd get no payment out of me and that I'd report them to your office. 

They're incredibly rude and dismissive of my rights as an American. I need my debt returned so I can continue to work with XXXX. Force them to return the debt to my original creditor. I followed all their instructions to the letter and they don't get to be paid because they want to act like schoolyard bullies.
Product: Credit card or prepaid card

I already tried confronting Chime directly myself. After dealing with their people 3 times, I've already ordered a new pay card from my own work and cancelled everything having to do with them. They are a scam set up to rob as many victims as possible trying to keep them unaware. I've had a total of XXXX dollars be wrongfully taken from my account, which left me unable to spend my own money. I don't make a lot of money as is and everytime I looked for answers as to where the money went, I always ended up feeling hopeless. Their scam is within the terms of their credit card. I read to terms front to back and their entire app never mentions exact details outlining how the credit card will work. It's set up to be as confusing as possible. However, when the funds automated too transfer from your debit to your credit, surely your credit limit will not exceed XXXX dollars. I'm so very displeased with their service and am telling anyone and everyone how much chime is into extortion.
Product: Debt collection

XXXX XXXX LVNV Funding LLC XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : LVNV Funding LLC Address : XXXX XXXX Place, XXXX XXXX XXXX XXXX Account # : XXXX Dear LVNV Funding LLC, I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute, I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 
Thank you for your immediate cooperation. 
_____________________________ XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish the accounts listed below on my consumer report?

No. I most certainly did not.

If a contract exists in which I gave you permissible purpose to do such, I demand that you produce it to me with a wet ink signature within 30 days of receipt of this letter, notarized under the pains and penalties of perjury, via certified mail with a signature required. If you can not provide this, I demand that you immediately follow the written demands that I outline in Section II of this letter on my consumer report.

Furthermore, please consider this letter official legal notice that my written instructions are to immediately follow the written demands that I outline in Section II of this letter on my consumer report. 


Lack of Notice I was not given any of the notices REQUIRED by law BEFORE you furnished any of my personal information to a third party.
Product: Money transfer, virtual currency, or money service

Hello, I would like to complain about PayPal Holdings , Inc. for a ) incorrectly conducting financial transactions resulting in charges to a wrong account, and b ) refusing to fix the issue after I reported it to the company. 

Specifically, I bought some services from a third party and used PayPal transaction system to pay for those services. I specifically selected my credit card ( a regular credit card issues by a major U.S. based bank ) as my payment sources. However, later I discovered that instead of charging my credit card PayPal used a different account to pay for those services. Specifically, the company used my PayPal balance. 

After I called the company on XX/XX/2018 at XXXX PST and talked to two support reps, XXXX and XXXX , and their supervisor XXXX , I was told that there is nothing PayPal can do to fix the incorrectly conducted transaction. 

I believe that any financial organization after being notified by a client about an incorrectly conducted financial transaction should remedy any mistakes made by cancelling incorrect transactions and conducting a new and correct transactions. Unfortunately, this is not the case with PayPal. 

I would appreciate if you can investigate this manner as PayPal is forcing consumers to use PayPal balance instead of external payment sources and doesn't notify about this before conducting transactions.
Product: Credit card or prepaid card

Wells Fargo continues to tell me the fraudulent charges I reported on my credit card from XX/XX/XXXX are valid. I nor anyone known to me or my husband made these charges. The fraudulents charges were made at XXXX XXXX in the amount of XXXX and some store called XXXX for XXXX. 

In essence, Wells Fargo is accusing me of 1 ) filing a false fraud claim and 2 ) filing a false police report for the fraudulent charges. When I first reported the fraud, Wells Fargo said nothing about filing a poliice report then said I had to, so I did, They still insist the fraudulent charges are valid which is against the law. 

My husband had signed and written the attached letter, validating that I am XXXX, can XXXX XXXX greater than XXXX a mile without XXXX XXXX XXXX or XXXX XXXX XXXX which is dangerous.