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

At approximately     XXXX   XXXX   on   XX/XX/XXXX  t wo unauthorized On Line Transfers occurred in the amount of {$500.00} each involving my son 's  Chase Savings  and Chase Bank 's College Account. Shortly thereafter an ATM withdrawal of {$500.00} took place @   XXXX   XXXX   XXXX    XXXX , Texas  XXXX . Due to the alert set up on the account both my son and his mother received a text notification of the activity. With an immediate phone call to each other it was determined the transactions were not done by either party and a call was then made to  Chase 's    Fraud department. A reversal and transfer back to his Savings  of {$500.00} took place that evening and the additional {$500.00} was transferred back to his Savings once it posted the next day    XX/XX/XXXX .   All appeared back to normal and a  Chase in vestigation began.     On   XX/XX/XXXX   a debit of {$500.00} was posted to my son 's  Chase College  Account due to a determination by Chase Bank that no inappropriate activity was discovered.     The problem with the  Chase 's  conclu sion involves my son 's location that evening which places him 5+ miles away ( 15 minute drive ) at the exact time the se transactions were done. He 's a  XXXX  at the University of  XXXX   XXXX  campus,  XXXX   XXXX   XXXX .  XXXX , Texas  XXXX  and he was at the campus library studying for upcoming finals the evening of   XX/XX/XXXX .  His mother, through the use of her " Find Friends '' I-Phone app verified his location immediately when they spoke at the time this matter occurred. The librarian can also verify his whereabouts due the sign in logs the university maintains for their internal records. Additionally his ATM card was in his possession at all times. No passwords and account information was shared with anyone along with that ATM location had never been used for any transaction at any time prior.      Chase 's claims a chip card was used, a password was inp  utted once and that ATM location had been used in the past. No other justification was given. I 've requested : 1 ) An IP address where the initial On Line Transfers ( 2x ) originated, 2 ) Video/Cam Photo of that ATM at the time the incident occurred. The fraud and escalation unit of Chase indicated I needed a court ordered subpoena for that information. In essence, my family needs to hire an attorney, pay court cost, miss work, miss school, provide witnesses to recover {$500.00} we never withdrew in the   first place.       Please HELP! I have encountered an attitude of arrogance and a " it 's not our problem '' attitude from Chase 's Fraud Division. It seems my request for proof is not of concern. Basically, I walk away with their conclusion ... " Your son took the money and he 's lying about it. '' I have been a client of Chase Bank for over 20+ years and I have never had an encounter such as this and additionally my son 's rearing, his character and morals makes me an advocate for his version of this situation.
Again Please Help!
Product: Credit reporting or other personal consumer reports

There are multiple radulent accounts due to my identity theft. I submitted identity theft report, FTC and sent all credit bureues more than one year ago. These fraudulent accounts have been removed except TRANSUNION credit report and the credit companies verified as fradulent accounts. The FCRA 605 ( B ) under the consumers rights I demand to blck radulent accounts and Transunion rejected me multiple times. I spoke with thei supervisor, XXXX XXXX, he also did not approch to reslove my concern. Please help me to get fradulent accounts removed from my Transunion credit report.
Product: Student loan

This in in response to my previous complaint XXXX. 
Citibank stated that they were trying to determine why my payment was sent back to me again. As I stated in my previous complaint the letter I received from Citibank said that they returned the payment because they could n't verify my account number ( see attachment ). I included with my payment the account number that I have used to make payments since I graduated from college, and I have not been notified of a change in account number. I also included with my payment the letter from Citibank ( see attachment ) with instructions on who and where to send my payment so there should n't have been any confusion as to what the payment was for. I called Citibank on XX/XX/XXXX to try and find out what my account number is. I spoke with XXXX and was on the phone with her for 45 minutes trying to figure this out. She took down all of my info and said they would research this and get back to me. I received a letter from Citibank ( see attachment ) in response to this conversation on XX/XX/XXXX that said Citibank no longer services student loans and my loan was transferred to XXXX XXXX. I have been told this by Citibank over and over ( see attachment ) and yet they still are trying to collect this debt from me. 
I also received a letter from XXXX XXXX on XX/XX/XXXX trying to collect this debt ( see attachment ). They also called my father to get information about me. Citibank told me that they inadvertently placed my account with XXXX XXXX and they had XXXX XXXX return the account to Citibank. That letter from Citibank was dated XX/XX/XXXX, so XXXX XXXX is still trying to collect this debt from me after Citibank claims to have had the loan returned to them. 
I would like proof that this loan is owed to Citibank and not any other agency ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) since Citibank is telling me that I do n't owe them this money and that I should contact XXXX XXXX, and that I do owe them this money and should send in a payment again, and since XXXX XXXX continues to try to collect from me. I would like to be assured that no other agency will try to collect this debt from me or report negatively on my credit report after I pay Citibank.
Product: Credit card or prepaid card

I continually get offers from Capital One. I have, twice, called XXXX to opt-out of receiving these solicitations to NO avail. I have called Capital One and was told I would NOT be getting any more offers. I was even asked why. Why? 25 % interest is exorbitant. I have XXXX at 17 %. I am so tired of getting these offers at my home address and at my post office box. THEY WILL NOT STOP THESE UNSOLICITED MAILINGS.
Product: Credit card

Opened card at banana republic. Wanted to pay it off next day. Website was very difficult. Was told by rude representative that card will not be delivered for seven business days, and that I ca n't make payment without incurring a {$10.00} fee for a {$200.00} bill before getting my card. I will be traveling for the next month, at which point I will be in delinquency status, so I 'd like to get this done now. Only there is no way to do it. That seems quite ridiculous and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiry listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the inquiry that is still showing on my report. I believe I did not sign any paper authorizing this inquiry. Delete it now : XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Product: Debt collection

Voicemail left on my cell phone stating I owed a debt to Direct Recovery Services, stating this was that last time they will contact me when it was the first XX/XX/18 @ XXXX. Didn't state what I owed or to whom. I have never dealt with that company before. AtXXXX my son 's father ( whom I hardly speak to ) texts me to let me know the same company called him stating I owed a debt and needed to call then and asked him to share my phone number. Again I do not speak to my son 's father and his number is fairly new, not sure how this company got his number. They left phone number XXXX on my cell vm and XXXX with my son 's father also left an acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries : 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.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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

IVE BEEN A VICTIM OF IDENTITY THEFT THERES BEEN A OPEN FRAUDULENT THAT IVE NEVER APPLY OR REQUESTED, THIS ACCOUNT IS XXXX XXXX AND XXXX XXXX XXXX ACCOUNT IS FRAUDULENT OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY, THE ACTION THAT WAS TAKEN A POLICE REPORT AND A FEDERAL TRADE COMMISSION REPORT.
Product: Credit reporting or other personal consumer reports

I was Notified that my information was leaked into several companies such as XXXX XXXX and XXXX ( FDCPA ) 15 U.S.C1681 EB.I have inquires on my credit report that needs to be deleted off that I am not associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  veh dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like to have these items investigated and removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting to all 3 credit bureaus that I have an account with them. I have never opened an account with them, I have called, email and disputed with all 3 credit agencies and XXXXXXXX XXXX still claims that is mine. I show Iam a co owner with a person by the name of XXXX XXXX. This account was opened XX/XX/2022. I DO NOT know this person, I do not co own this account. I also see an address on my report that I do not recognize and maybe belongs to this person and account. XXXX XXXX XXXX XXXX MA XXXX. Ive never lived outside Florida nor know anyone at this address. Please look in to this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Closed, Balance, {$1000.00}, Updated on XX/XX/year> XXXX Disputed online twice and asked for original wet-ink signed contract, my data was breached by XXXX and XXXXXXXX XXXX in XXXX XXXX XXXX My information has been published all over the dark web and wasn't aware of the breach due to unfortunate accident when a lady ran me over while riding my bike. I believe that his account is fraudulent, I called the company to advise them of the situation and they gave me big attitude when I asked for the proof of contract and also asked how they validated it from the disputes I filed with Experian. I'm a XXXX XXXX  and do not deserve to be treated like this, nor anyone else for that matter. Point being I've disputed, called ( rudely unprofessional to say the least ) and reported fraud, also gave them the police report filed in XXXX XXXX. I have also wrote the company XXXX letters, notarized and certified mail and ready to send my last and final before with the intent to sue if this company doesn't comply with legal and lawful requests held under the FTC and CFPB, local and state laws.
Product: Debt collection

Harris & Harris is reporting an account on my credit report that is past the statue of limitations. The account is at least 7 years old. They refuse to remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$14000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Refinance XXXX accounts below mortgages and only XXXX payment was posted. Both wires were sent at the same time and should received and not returned. I have sent both wires confirmations to the bank and they are stating they cant not help. 

XXXX XXXX XXXX XXXX XXXX Wire transfer was received and posted XXXX XXXX XXXX # XXXX Wire transfer is missing
Product: Debt collection

I have sent two Debt Validation letters ( XX/XX/2018, XX/XX/2018, ) to Cavalry Portfolio Services requesting proof that I owe Them money for an alleged debt. I asked them to provide me with any paperwork with my signature to prove that I agreed to pay Cavalry Portfolio Services for this alleged debt. Cavalry Portfolio Services has failed to provide me with any proof that I owe Cavalry Portfolio Services any money or that I have signed any paperwork agreeing to pay them any money.

I also asked Cavalry Portfolio Services to stop reporting negative information to the three ( 3 ) major reporting bureau 's ( XXXX, XXXX or XXXX ) until they provide me with proof that I owe Cavalry Portfolio any money. They have failed to stop reporting invalidated information the three ( 3 ) major reporting bureau 's.
Product: Credit reporting or other personal consumer reports

I am trying to access my account on experian but everytime i try to login in it denies me access due to wrong sign in I formation. I try to reset my password but it keeps wanting me to use a number i have no access. I tried to create another account but i am not allowed to use the email as my username despite it being brand new.
Product: Debt collection

THIS IS AN ACCOUNT FROM PORTFOLIO RECOVERY  XXXX . THIS ACCOUNT IS PAID IN FULL. UPON SETTING UP PAYMENTS ON THIS ACCOUNT I WAS INFORMED THAT THIS ACCOUNT WOULD NOT BE REPORTED TO THE CREDIT AGENCIES BY A  MANAGER  (  XXXX  ) BECAUSE I WAS HANDLING THIS ACCOUNT AND PAYING OFF THE DEBT. THEY DID NOT HONOR THEIR SIDE OF THE DEAL AND DID REPORT MY ACCOUNT TO THE CREDIT AGENCIES. I HAVE CALLED THEM NUMEROUS TIMES REGARDING GETTING THIS ACCOUNT REMOVED FROM MY CREDIT AND I HAVE BEEN TOLD TO CONTACT THE CREDIT BUREAUS AND WAS ALSO TOLD THAT THEY DO NOT DELETE THERE ACCOUNTS FROM PEOPLES ACCOUNTS. PLEASE HELP ME TO GET THIS REMOVED FROM MY CREDIT REPORT. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 1567 NOTTINGHAM DRLANCASTER, TX 75134-4150 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

They refuse to send me a paper statement that I am entitled to by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting an account that obsolete. The account has been on my credit report since XX/XX/2005. It is reporting closed but yet there is incorrect payment history as well as the account is obsolete. I have reached out to XXXX XXXX and informed by a customer care rep to dispute with the two bureaus but yet the account has not been deleted. The XXXX XXXX account number is XXXX.
Product: Credit card

I got email stating credit card would be closed with no explanation or reconsideration. Good standing and responsible use. This damaged my credit though NEVRR past due. Dates at or around late XXXX XXXX  I then closed it myself as did not want a bank closed card on my credit report. Tried several times to find out why. No answer. Though not used a lot, used frequently enough to be open. Didn't lower credit limit. Just said closing. I had a Chase bank account 10 years ago while struggling financially ( for very short time ). To my knowledge I just closed it. It's been 10 years. I did try for answers including speaking to manager at customer service. Nothing. My XXXX  score is XXXX. If not used frequently, I'd expect a lower limit but not closure. No reconsideration either. If there were any issues, I'd expect that to happen during application process not 6 months later with no obvious explanation. Should not have applied, do hard credit check, get approved then randomly closed. I am responsible with credit always. I'd like reconsideration as this is reckless business practices to approve then close. No reason told. I know especially Chase randomly closes cards they deem a risk. But I am not a risk nor have demonstrated risky behavior. Complaining may be a waste of time but I deserve to know why such drastic action was taken. Again, it is inexcusable that a card is approved then closed. That should be addressed upon actual application process. Also inexcusable to not be given a valid reason and no ability for reconsideration. I can apply and be approved for any number of credit cards with my payment history and credit score. I have 100 % payment history, do not exceed 30 % credit utilization ( usually 1 % ), pay as agreed. I cant see a reasonable reason and left without answers. It's been 10 years since I last dealt with Chase. I hear they especially randomly close without reason. Reckless and does not represent my responsible use of credit. Please let me know if there if any recourse
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 theftall 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 PL XXXX, NC XXXX ; XXXXCREDIT XXXX Balance : {$8500.00} ; XXXX XXXX XXXX XXXX : {$21000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family FCRA violations : names not mine XXXX XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} XXXX XXXX  account. {$340.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX  account. {$630.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX account. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX account. {$12.00} XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status XXXX. {$25000.00}