23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I opened a POWER PAY account, loaded it with {$40.00} for a rental account I have emails for the opening of the account, and paid over phone with rep. 

NEVER OPENED ANY EXTRA ACCOUNTS AT XXXX for service. Never paid any deposits. Nothing, PULL ANY AND ALL CALLS MADE FROM XXXX follow up on my investigation opened thru XXXX. BUT I DO NOT OWE THIS XXXX BILL.. 

And I WILL SUE if you all continue to be on my credit and attempt any collection on a fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for verification of bankruptcy from Experian, XXXX, and XXXX. Each XXXX  states XXXX. However, the chapter XXXX is not on my XXXX report and I have sent my XXXX report to each bureau. I would like verification of where this information was obtained or removed from my report.
Product: Checking or savings account

My name is XXXX XXXX please add this to cfbp case number XXXX I need a update on claim number XXXX if it was denied or not if it was denied please reopen it and investigate it again or appeal it to be reopen and investigation because I disagree with it decision and send me its new decision when it is investigated again and I need to appeal old decision for claim number XXXX because I disagree with its decision so I need to be reopen and investigate again or appeal to be reopen and investigation again and send me its new decision after it been reopen and investigate again and I need to appeal old decision for claim number XXXX because I disagree with its decision so I need to be reopen and investigate again or appeal to be reopen and investigation again and send me its new decision after it been reopen and investigate again and I need to appeal old decision for claim number XXXX because I disagree with its decision so I need to be reopen and investigate again or appeal to be reopen and investigation again and send me its new decision after it been reopen and investigate again because I have lost my id and it was stolen after I have lost it and I need to appeal old decision for claim number XXXX because I disagree with its decision so I need to be reopen and investigate again or appeal to be reopen and investigation again and send me its new decision after it been reopen and investigate again and checking account number is XXXX and saving account number is XXXX etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS ONE LATE PAYMENTS REPORTED ON XX/XX/2019 ON MY BANK OF AMERICA ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS IN THE PAST WHICH HAVE AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit reporting or other personal consumer reports

I have not applied for credit, I am a victim of identity theft. Theres a fraud alert on my experian. Please help rectify this issue.
Product: Credit card or prepaid card

I received a Vanilla Visa Gift Card on my birthday, XX/XX/XXXX. I opened the gift card and attempted to use it on XX/XX/XXXX. The purchase was declined. I signed into Vanillagift.com and learned an unauthorized purchase had been made at XXXX - XXXX which is a purchase that I did not make and have no knowledge of. No person ever had possession of my card and XX/XX/XXXX was the first time it was opened from the original packaging or attempted to be used by me. I immediately called to dispute the transaction and received the ID : XXXX. I received a letter on XX/XX/XXXX stating that my dispute was denied as the card was charged in-person. That is impossible. The card was in my possession and in its original packaging, unopened until XX/XX/XXXX. I attempted to call InComm support on XX/XX/XXXX and the customer service representative said there was nothing he could do. The contact information for the company is InComm Inc., XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX or via email XXXX. The customer service telephone number found on my card is XXXX. Looking at my card, you can tell that it has never been swiped and is fresh out of the package.
Product: Checking or savings account

Bank of America has started charging multiple fees for ATM transactions. I check my balance and withdrew some money and got charged 3 fees. I called the bank and got 2 of them reversed. However, this practice is abusive and their policy has changed without any warning.
Product: Credit card

Credit card company seems to have taken additional time to process checks provided with no transaction fee and a low interest rate for a limited time in order to avoid honoring the terms of the offer.
Product: Credit reporting or other personal consumer reports

I request for the removal of unauthorized fraudulent inquiry ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ) from my credit report, which I believe is truely fraud and unapproved. After a thorough review of my credit report from your agency, I have identified this inquiry that require immediate removal. The Equifax Credit Bureau shall be rely on this issue and be removed this fraud item immediately. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the unknown inquiry from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of this unknown inquiry once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. I would rather ask for your assistance to remove this inquiry. This XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX is unauthorized and be assist me to removed it in my credit file.
Product: Credit card or prepaid card

They also closed my account without me knowing back in XXXX of 2019 even though I was up to date on my payments. My bill in XXXX of 2019 of {$35.00} dollars did not go through when it was on auto bill. I reached out to the company they said they saw the payment tried to come out but it was rejected. I was never notified that it was rejected. I now cant apartment and the company will not help me with the unfair situation
Product: Checking or savings account

On XXXX XXXX I was selling some clothes on XXXX to make some extra money. I was new to the platform and ended up getting scammed for {$400.00} from a company called key drop. I noticed the unauthorized charge immediately and called my bank ( Chime ) to stop the transaction. The rep told me I had to wait for it to clear and then I could file a dispute and submit my evidence.

Chime denied my claim after 2 short days and obviously didnt actually investigate it. 

Yesterday I got my new chime card and entered it into my XXXX XXXX and almost immediately was scammed again. I called chime again and this time they stopped the transaction from going through and I asked why they didnt do that before. I told them I wanted to re-open my dispute claim. Ive seen so many people online saying they will not refund the money and the disputes will be denied every time. I want them to stop preying on people. There are so many people in my same boat. How are they still in business?!
Product: Debt collection

I received a letter from a debt collector trying to collect a debt that I received a XXXX for. They never put in writing I can dispute the debt only a payment option.
Product: Credit card or prepaid card

Today, I opened a Master Credit Card with Synchrony Bank via TJMAXX, the advertisement informed me that if approved, I'm eligible to receive 10 % off my purchase and I can use the card TODAY ; however, when I attempted to use the card to complete me transaction, I was denied. I contacted the bank 's customer service ; however, I was informed that the temp generated number, expiration date, and security code are fake. I was also informed that I would lose my 10 % off. I applied and got my credit score lowered for months or year, only to find out that the bank scammed/tricked me into opening a credit card only to meet their quota. 

Congratulations, XXXX XXXX! 
Your application has been approved for the TJX Rewards Platinum Mastercard! 

TJX Rewards & reg ; Platinum XXXX & reg ; Temporary Account Number XXXX Valid Thru XX/XX/22 Security Code XXXX Temporary Credit Limit $ Use your new TJX Rewards credit card in-store or online today! 

See below for instructions and how to use your 10 % coupon either in-store or online. Both coupons void after either one is used. 
Shop Online Now! 

Use the account information above to make a purchase on tjmaxx.com.
Product: Debt collection

consumer law violation 15 U.S.Code 1681i ( a ) ( 1 ) - 30  days only to run an investigation before violation of this subsection.

Notice, it is a fact, affiant is aware, if, the consumer, disputes the completeness or accuracy of any item contained in the consumer report about me, a reasonable reinvestigation, must be conducted to determine if the information is indeed inaccurate, and record that status of dispute or delete the item within a 30  day period. I, the affiant, has proof of this dispute sent on XX/XX/23 and it has been 30 plus since the original date shown in EXHIBIT ( A ) This reinvestigation has taken longer than 30 days should have been deleted. This is a violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and the information associated with SELF FINANCIAL INC/ LEAD BANK Account # XXXX must be removed.

15 USC 1681i ( a ) ( 1 ) ( A ) consumer law violation 15 U.S.Code 1681 ( 5 ) ( A ) ( i )- If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted. ( Past 30 days ) Notice, it is a fact, affiant is aware, after 30  days the information can not be verified, or if the information is found to be inaccurate or incomplete, the information must be deleted, modified as complete and accurate. The information associated with SELF FINANCIAL INC/ LEAD BANK  Account # XXXX is still reported inaccurately as shown in my EXHIBIT ( A ) before the investigation and shown in my consumer report after the investigation. This information should have been deleted and I should have been notified of this deletion. This is a violation of 15 U.S. Code 1681 ( 5 ) ( A ) ( i ). I demand to know the persons who certified this information otherwise remove SELF FINANCIAL INC/ LEAD BANK  Account # XXXX. 
15 USC 1681 ( 5 ) ( A ) ( i ) consumer law violation 15 U.S.Code 1681 ( 6 ) ( A ) - failed demand to comply or failure to comply Notice, it is a fact, affiant is aware, in accordance with 15 U.S. Code 1681 ( 6 ) ( A ), I, the consumer and affiant in fact has the right to demand compliance within 5 days for the results of a reinvestigation via written notice. SELF FINANCIAL INC/ LEAD BANK has failed to comply in the past, and I, the affiant, are demanding SELF FINANCIAL INC/ LEAD BANK to comply with a response within 5 days of this notice with my written instructions. This is a violation of 15 U.S. Code 1681 i ( 6 ) ( A ) and SELF FINANCIAL INC/ LEAD BANK  Account # XXXX
Product: Credit card

During XX/XX/year> I finally complained about JPMorgan Chase and requested proof the debt belonged to me. I asked for a copy of the contract with my wet signature. I never received it. Since that time the JP Morgan Chase has sort to sue me for something I have asked clarity on. They sent letter showing statements with my name and address, that does not prove debt is mine. As I have had mobile bills come to my address with my name and they were not from the carrier I do business with. So I am understanding that this is not proof of debt. I have been finding other inconveniences from having my information used without my consent so I asked for proof of debt not to be sued because I am looking for clarity from a big business claiming to have charged off this debt and now bullying me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$140.00} XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft who has already submitted my notice of identity theft to the credit reporting agencies, XXXX XXXX, XXXX, and Equifax. Three of the accounts resulting from identity theft were not blocked, deleted, nor removed. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As of now my credit reputation and character is still being damaged due to the inaccurate information and I am not requesting a reinvestigation in accordance with FCRA Section 1681i. I am expecting the credit reporting agencies mentioned in this complaint to do what is fair and equitable to me as a consumer by blocking, deleting, and removing the information identified as identity theft. See attached.
Product: Credit reporting

I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. 
Name of Company Date of Inquiry Type of Business XXXX XXXX. XXXX/XXXX/XXXX Automotive COMPASS BK I. XXXX/XXXX/XXXX Banking XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX. XXXX/XXXX/XXXX
Product: Credit card or prepaid card

XX/XX/2022, I contacted Way2Go about a transaction made on my child support card in the amount of {$64.00} and {$46.00} from XXXX, transaction # XXXX. Called Way2Go on XX/XX/2022, asking that these transactions be revered because I did not authorize these transactions. I received a reversal credit in the amount of {$110.00} on XX/XX/2022, but this was reversed back on XX/XX/2022. On, XX/XX/2022, I received via Postal Mail forms from the Go Program 's Fraud Services Department. Called Way2Go fraud department to get fax number to send fraud forms. The fax number that I was given was ( XXXX ), I faxed filled out forms to this fax number at XXXX pm EST. I called Way2Go on XX/XX/2022, to get feedback about my claim. My response was that they had nothing to report. Then, I called XXXX directly to ask for a refund. The refund was granted on this day and I was told to wait for 10 days to process the refund back to my XXXX via Way2Go. Friday, XX/XX/2022, I called XXXX and found out the funds were accepted by my credit card provider in the amount of {$110.00} XXXX # XXXX on Wednesday, XX/XX/2022. Attached will be photos of the current balance from the Way2Go App of my MI-Child Support account, along with a letter I received today, Monday, XX/XX/2022, stating a provisional credit in the amount of {$110.00} was issued on XX/XX/2022, which is a false statement. Made numerous calls to Way2Go 's Go Program customer service and fraud department to cancel their investigation and I took care of my concerns with XXXX directly and that their service was not needed any longer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX  have already deleted and removed from My credit reports as the accounts do not belong to me. Transunion has refused to remove them even when provided with accurate information along with multiple other accounts theyve been asked to correct. Attached are XXXX results for the files thats Transunion fefuses to look at
Product: Credit reporting or other personal consumer reports

Ive been trying to get business funding but TransUnion and XXXX have false information on my credit report Ive contact the company about this situation and sent them proof and still no change has happened. I lost over half a XXXX in business deals already and wants this fixed or removed asap. I will attach images and highlight to show wrong information on report.
Product: Mortgage

RE : PHH Acct # XXXX ( Ocwen Acct # XXXX or XXXX ) I have been receiving default notices from PHH regarding lack of payment ( Case Manager XXXX XXXX ). 

PHH took over as service provider from Ocwen 2+ months ago ( not per my request ). 
Payments have been paid under acct # XXXX or under previous Ocwen Acct # XXXX / XXXX. 
My XXXX Checking is showing that payments have been sent and checks cashed by PHH in XXXX and XX/XX/2019. I have contacted PHH on multiple occasions to try to resolve and have spoken to several representatives in early XXXX and in XXXX. I have contacted XXXX to investigate payments made and to contact PHH. I also have no idea why the XXXX payment was properly processed and yet XXXX and XXXX seem to be an issue for PHH. 

I have sent an email to XXXX and have sent to letters to XXXX   XXXX and XXXX. NJ PHH addresses.
Product: Student loan

XX/XX/XXXX  : submitted payment for {$40000.00} Never taken from my account Tried again on XX/XX/XXXX  submitted same payment amount {$40000.00} said it was accepted but has yet to be deducted from my bank account. 
Confirmation code : XXXX
Product: Credit reporting or other personal consumer reports

I noticed that my credit was very bad and continued to go down. Then I contacted the only bank ( XXXX ) that has credit cards and they told me that I had a credit card with XXXX XXXX XXXXXXXX, so I immediately went to the place but the person who helped me checked and said that I did not have any account or credit card with XXXX XXXX XXXXXXXX and they gave me a number to make a call to credit cards so I made the call but since I did not have the credit card number they could not assist me by phone.. On XX/XX/2023, I went to the XXXX XXXX again and they informed me that I had related accounts in my credit bureau that I did not know about, so they told me to make a call to XXXX, XXXX and XXXX to report identity fraud. which is why I already made said report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

someone provably a family member had access to my personal information and someone open a cellphone acct under my name and even forced my signature. i requested validation and i notice the address use to acquire this acct was not mine. i requested deletion of this acct and the company insist the belong to me when is not.
Product: Credit card

This is being reported as a personal loan and it is a card for store credit card. They have received payment and have not updated my account.
Product: Money transfer, virtual currency, or money service

Square Inc. has been holding our money for over 247 days as of XX/XX/XXXX and refuses to transfer it to our bank from their POS portal. The balance of {$3400.00} that is due to us has been held on their POS platform and they have suspended our account and refuse to transfer the money out. We have contacted customer service via phone and email since XX/XX/XXXX till today and they refuse to help or tell us why this money is being held. They have emailed us back in the past saying " we will release your money after XXXX days '' but it has already been over 247 days as of today and we have not received a penny of the {$3400.00} balance that is ours. We have tried to follow up but their customer service is unresponsive. We provided invoices matching the transactions upon their request and they still refuse to transfer the money that we earned into our bank account. The first transaction from this balance dates back to XX/XX/XXXX with an amount of {$750.00} at XXXX. The second transaction of {$1300.00} on XX/XX/XXXX at XXXX. The third transaction of {$720.00} on XX/XX/XXXX at XXXX and the last transaction of {$720.00} on XX/XX/XXXX at XXXX. Square was quick to take their fees out of these transactions but will not release our balance into our linked bank account. 

Square is leaving us with no other option other than to file a report to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

The beginning of XXXX my new balanced and a current status was marked on my XXXX Credit Report and XXXX as current and paid. On TransUnion my balance was updated and not my status. This has left me in a derogatory status on TransUnion and if not corrected will lead to my whole family being homeless. We have a chance for a home when that one remark is removed off of TransUnion as missed payment and currently late with an updated balance of XXXX from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Payday loan

I got a payday loan with Continetal loans in XXXX Idaho, I missed my first payment due to being let go from work unexpectedly, I tried working with their manager on the issue but she kept refusing less than my payment amount. She then started calling me three or four times a day leaving only one message. Now they have come to my house twice to try and collect the funds out of the office? I offered XXXX dollars and told her i would meet her at the office she said no i have to have at least one payment of XXXX. I couldnt afford this, there is two times she refused my payment. Third time i tried getting on a hardship program was told i could pay XXXX if i came down that day and signed paperwork i wouldnt be due till next month, i go down and get the paperwork all drawn up mind you she is out of the office im dealing with another employee, she says she needs a payment before they can approve my hardship program. They continue to call me and harrass me everyday threating to take me to court. This has been 4 months of XXXX. Now i have to fear these people bullying me at my home? is this even legal? I chose cant contact lender because its the manager i have been dealing with so i have noone to call to report her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my federally protected consumer rights under Title 15 USC