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

Chime decided to cut my account off at XXXX  on XX/XX/XXXX with only 12 hours notice ( an email I didn't see because I am sick ). They are upset that I made a transfer from my XXXXXXXX XXXX to Chime and it was taking almost a week to show up. The money was gone from XXXX but Chime had it sitting there as " processing ''. I thought I made a mistake so I did it again and the same thing happened. I called XXXX and they put a reversal on the payments so my money was not sitting there unclaimed somewhere and were going to try to figure it out but Chime immediately cut me off. This effects EVERYTHING. All the money I had on Chime will be mailed to me " within a month ''. Money people owed me to be credited back to Chime will now be held up for weeks. I have NO MONEY. My next XXXX check was due on XX/XX/XXXX but when I contacted social security they said the soonest they can start my payments again is XX/XX/XXXX. TWO MONTHS WITH NO MONEY? I am a new Chime member and one that intends to spread the word every where I can. You won't even let me know what the problem is. I am assuming it's the {$47.00} with XXXX. You are a terrible institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fourth time submitting a dispute with the Credit Bureau over the past year to clean my credit getting things that are incorrect or invalid removed. 

They addressed something but keeps leaving out things. 

INCORRECT ADDRESS XXXX XXXX XXXX XXXX # XXXX XXXX AZ, XXXX I ALSO HAVE HARD INQUIRIES THAT I DID NOT AUTHORIZE XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX and Equifax, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : XXXX. Hard Inquiries : Several unauthorized hard inquiries appearing on my consumer FICO credit report. 

XXXX. Late Payments : Incorrect late payments reported on accounts that should be marked as paid off or never existed under my name : XXXX. Fraudulent Accounts/Collections : Accounts and collections reported inaccurately or fraudulently under my name, which I have no knowledge of : Please see that attached FTC reports with the list of all accounts mentioned above. FTC report Number : XXXX and XXXX I have attached a copy of the FTC reports. 

I do not recognize or have never authorized the accounts, collections, or hard inquiries listed above. The aforementioned accounts, collections, and hard inquiries are inaccurate and must be removed from my consumer credit report maintained by your agency. This is also affecting my credit score unjustly. 

What would be a fair resolution to this issue? ( demands for relief ) : I demand that pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the removal of the fraudulent and inaccurate accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. Additionally for XXXX XXXX to be marked as paid in full, and remove the late payments. I request that all written confirmation regarding this CFPB complaint be sent to me via certified mail.
Product: Debt collection

I was pregnant and had 100 % medical coverage.I do n't realy know what service was performed to me and name of doctor.Never received any explanation or invoices for this amount.I have all receipts paid in full on hand.
Product: Debt collection

XXXX XXXX filed a lawsuit to collect on a fraudulent debt. They had been notified repeatedly that this debt fraudulent yet they continued knowing that they lacked the evidence to substantiate the debt in court. This is part of a larger scheme by XXXX XXXX XXXX XXXX which uses various law firms around the country like XXXX XXXXXXXX XXXX XXXX ( which has finally been driven out of business ) and XXXX XXXX XXXX XXXXXXXX to harass and threaten American Citizens for fraudulent debts that exist only on spreadsheets and in purchase agreements between dishonest creditors, XXXX XXXX XXXX and the dishonest law firms they hire. 

This is a plain and simple violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p. In the present case there is a specifi violation of 812. " Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b XXXX Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1692k In this case, XXXX XXXX XXXX falsely claimed that they were suing on behalf of XXXX. In fact, XXXX had acknowledged that the debt was fraudulent in 2019 and claimed that XXXX XXXX had been notified.
Product: Money transfer, virtual currency, or money service

My funds on my PayPal account amounting {$500.00} was taken by PayPal by themselves last month XX/XX/XXXX. My account was banned last year XX/XX/XXXX. I thought I can withdraw my funds after 180 days because this is what they say on the notification after PayPal banned my account. I have called their support several times to appeal and they always say there is nothing they can do about it. I also asked for a reason why this happened but they couldn't give a reason other than their XXXX saying that I had a violation for using their service. Maybe I did something wrong due to lack of knowledge in thinking that it is safe to use for funding money.
Product: Mortgage

I recently noticed that large payments were being taken from my checking account the last few months from a " MR COOPER '' and thought it I had identity theft. After further research I found out what Mr Cooper is. My normal monthly mortgage payment with XXXX Bank was {$590.00}. I found that beginning XX/XX/XXXX Mr. Cooper began withdrawing {$590.00} then in XXXX they began withdrawing {$790.00}. The only reason I noticed this was thru my bank statement as I have always paid my mortgage paperless with monthly auto draft thru my checking account. 
I called XXXX XXXX company 4 times to get this resolved & supplied them with proof of insurance and continuous coverage. Most recently XX/XX/XXXX speaking to a XXXX XXXX in the escrow department. I explained my concern and he told me my case has gone thru the research department and the decision remains and I can contact whoever I want but it wont be overturned nor will I receive any refund. He also told me that 4 CERTIFIED pieces of mail have been sent to me. I have NEVER received a certified piece of mail nor signed for anything from Mr Cooper. He didnt want to give me his supervisor name, saying that I wouldnt reach him anyway, as he was out of office and they dont have voice mail. 
The letter I received dated XX/XX/XXXX states our records indicate a lapse in coverage between XXXX and XXXX. This is absolutely incorrect and I have provided proof that I made a payment for the entire year! Payment of {$1000.00} was received XX/XX/XXXX which paid for the 1 year renewal thru XX/XX/XXXX! I also have renewed since this time and provided them proof of continuous coverage and declaration pages of my insurance thru XX/XX/XXXX. 
I am requesting a refund for the overpayments. My insurance company has provided proof of payment and continuous coverage however Mr Cooper refuses to fix this and continues to draft out an additional {$190.00} monthly. This is DUPLICATE coverage!
Product: Credit reporting or other personal consumer reports

My information was sold and and brought illegally because I was a victim of Equifax database breach I want these items deleted off my credit report effective immediately the proof the Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing Please help me delete these illegal accounts from my credit report
Product: Credit card or prepaid card

My mother has XXXX XXXX, and I have durable power of attorney. I want to close her JC Penney 's charge card account, and I called them XX/XX/XXXX to confirm what information was needed and what  address to send the letter to. I sent the letter to XXXX XXXX XX/XX/XXXX at the address provided, requesting her JC Penney 's credit card be closed. The Power of Attorney document was included. I received a response XX/XX/XXXX detailing further information required to close the account. They are requiring a signed statement from my mother authorizing me to close the account. Due to her XXXX, this is not possible. More importantly, the Power of Attorney they received with my XX/XX/XXXX letter is my mother 's legal authorization to close the account, so an additional signed statement is duplicative. Additionally, they require my SSN and DOB to close the account. There is no logical reason to require my SSN and DOB to simply close my mother 's account. My address and phone number are provided in my letter. I called the bank today, and they will not honor my request to close this account. XXXX XXXX  's refusal to honor my legal request to close this account is nothing less than putting hurdles up in our attempts to care for our mother in a difficult time, and protect her finances from fraudulent charges.
Product: Prepaid card

I was paid by my employer on XX/XX/XXXX, but never rec'vd my funds to my account. After ten ( 10 ) days Rush Card has still yet to release the funds as they are ... and i quote, " trying to locate my account in order to post my funds. I 've had the same deposit information on file with my employer for Rush Card for XXXX months now as well as I 've had the same account since XX/XX/XXXX ... how is my account invalid. I have an eviction, disconnect on utilities, phone bill, storage fees, cancellation of my car insurance which I have to carry XXXX. I NEED HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting inaccurate payment history on an account on my file. I have not only questioned the validity but I also requested verification and proof along with my signature on any documents supporting their claims. I stated it must be provided within the time allowed by law and it was not. Therefore I requested this account be deleted and suppressed immediately. To date, my concerns have been ignored and dismissed.
Product: Credit card

I made a purchase from a XXXX company for XXXX pairs of sneakers. I was charged {$690.00} which was what me and the merchant agreed to. After waiting for my product for many days i reached out to merchant and asked where my product was. Merchant tells me i have to pay an extra {$200.00} if i want to get my product to the USA from customs. I refused because that was not part of our agreement. The merchant never sent me my product. I reached out to capital one and they said they could not return my funds i then reached out to wise and they also said they could not returned my funds. This has also caused a hardship for me because now im being charged interest by capital one for money they allowed someone to scam from me. Ive attached the conversation with me and the merchant and you can see he refuses to return my money as well as coversations with capital one and XXXX
Product: Debt collection

I emailed First Credit Services two separate times requesting a statement of the debt owed and did not receive a reply. I called and requested that I be provided with a link to pay the debt as well as a statement. The person on the phone, who indicated they were a supervisor, continued to insist that i take care of the debt on the phone with him. He refused to take my email address and continued to request why I wouldn't pay the debt with him on the phone. He badgered me about needing to know why I wouldn't handle the debt over the phone with him, not having a statement. When I told him I didn't have to provide any reasons for requesting a solution via email. He was quite aggressive and unwilling to take my email address, insistent that I provide reasoning. 
I am entitled to a statement and to handle the collection of the debt in the manner that I prefer. This particular " supervisor '' was aggressive and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

please investigate these accounts they are not mines and never late on my credit please help i have no one to help XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1900.00}, Payment : {$0.00}, Issue : Identity Theft XXXX  Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Identity Theft XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Identity Theft DPEDXXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late DPEDXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024 to XX/XX/2024 i have sent certified mail to XXXX : disputing an Account on my Credit Report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX who's phone number is : XXXX, that says on my credit report the Account has been charged off with the following account number : XXXX XXXX, which doesn't have an account closed date, XXXX has XXXX XXXX XXXX XXXX with no address and no number on the report it also says the Account has been Charged off and closed on XX/XX/2024, Account number : XXXX XXXX And Finally on the Trans Union Credit Report the Account status is : Unknown with a closed date of XX/XX/2024 with no address and no number on file, Account number : XXXX XXXX, this Company has not Shown proof this account belongs to me and has not furnished a Contract for over 1 year. I demand these accounts be removed immediately from the report i also have filed an ( FTC Report Number XXXX ) about this issue FTC Report Number XXXX Also on the Trans Union Report : XXXX XXXX XXXX  Account Status Unknown Account number : XXXX with no known address and no phone number and XXXX XXXX  Account Status Unknown, Account Number : XXXX with no known Address and no phone number. 

FTC Report Number XXXX, I Demand All Credit Bureaus Remove these accounts from my Credit report immediately. according to the FCRA Act : Fair Credit Reporting Act Section : 605 B Fair Credit Reporting Act Section 609 E Fair Credit Reporting Act Section 611 The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial
Product: Credit reporting or other personal consumer reports

I am reaching out to emphasize the urgent need for the removal of certain unauthorized inquiries from my credit report. Upon thorough examination, I have discovered XXXX inquiries that were conducted without my authorization, and I have no recollection of engaging with the respective creditors. 
The unauthorized inquiries are as follows : Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Creditor Name : XX/XX/XXXX Inquiry Date : XX/XX/year> I want to bring to your attention that XXXX, a prominent credit bureau, promptly deleted these hard inquiries from my credit report. You may verify this action by contacting XXXX directly. Failure to rectify this issue promptly may result in legal action being taken against your bureau. 

It is imperative to address these unauthorized inquiries swiftly to ensure the acuracy and integrity of my credit report. Failure to do so may necessitate legal action to uphold my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust in your understanding of the significance of this matter and urge your imediate action to rectify it. By removing these unauthorized inquiries, your bureau will not only fulfill its obligation under the FCRA but also demonstrate its commitment to providing accurate and reliable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorzed inquiries from my credit report. Your cooperation in resolving this issue expediently is greatly appreciated.
Product: Credit card or prepaid card

I applied for a credit card art my local XXXX dealership. I was denied due to having a freeze on my report. Citicards only use XXXX for credit decisions. 

I have been blocked from taking advantage of 0 interest rates and extended time to pay.
Product: Credit reporting or other personal consumer reports

I sent Experian a letter and an attachment filing showing that im the creditor of an account and I ask them to proof that Im not the creditor and if they can't prove it then delete the account XXXX XXXX on my credit report.
Product: Checking or savings account

On Saturday XX/XX/22, My card number was stolen in some way. Two Transaction attempts occurred to XXXX in the amount of {$900.00} each time. The first was declined and the second was pending. I recieved text messages, emails, and phone calls asking me to verify these and a few other transactions. When I answered the second call from Ally 's Fraud department ( I had missed the first call ), I explained to them verbally that I did not make those two transactions and that I am not authorizing it. The person I spoke to, told me that the transaction would be stopped and that my card was frozen and a new card was on the way. I decided to call ally back directly within an hour to confirm that those things were done. I was told that the fraud department was stopping the pending transaction for {$900.00} and that everything was all set. Later I saw that the transaction had posted, I decided to wait and trust the people that I spoke with. Today I called Ally, they told me that they had not frozen the card, they had not stopped nor disputed the transaction even though they had records of my phone calls explaining that those transactions were not me and that I wanted them to be stopped or disputed, and that they had not sent me a new card exposing me to risk of additional fraud. The person I spoke to today did have records of at least my call into their bank so I can verify I spoke with Ally earlier about this on Saturday.
Product: Credit reporting or other personal consumer reports

Following 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Delete the accounts below : - XXXX XXXX. XX/XX/year>. 
- XXXXXXXX XXXX. XX/XX/year>.
Product: Credit card or prepaid card

On XX/XX/2019 I had received a notice from American Express that they lowered my credit line from {$15000.00} to {$11000.00} with no explanation. I contacted the company several times and spoke with several people to try and get this resolved. The decrease left roughly {$100.00} of available credit and bring my utilization from roughly 75 % to 99 % this had significantly impacted my credit score by reporting a maxed out line. On top of that on XX/XX/19 they processed an interest charge on the account that resulted in a credit hit showing that I charged over the balance when I did not. I have spoke with an attorney and will be pursuing a class action lawsuit against the company if this does not get fixed as soon as possible.
Product: Debt collection

In XX/XX/2015, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the IQ Data International Company disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

On XXXX, I received a response from this company with a copy of a lease that included my name type written at the bottom and bearing no signature in the signature fields. 

I sent a response advising that this was not sufficient proof and again requesting proof of a lease bearing my signature. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Money transfer, virtual currency, or money service

Hello. My account on PayPal has been placed on restriction. I have sent them the documents they asked for but responded that my account would remain restricted for 180 days at which I could than withdrawal my money. PayPal contacted me on XXXX XXXX 2017 and then again notified me after receiveing documents my account is still restricted for 180 days on XXXX XXXX 2017. The ammount they are holding and won't let me withdraw is $XXXX. I have sent emails to PayPal asking to handle this problem and after doing a lot of research have found reaching out to them is no help. So I now look for your help to help my buisness keep its good name and my customers receive there product. Thanks XXXX