23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for the capital one secured credit card, they sent me a email immediately after applying asking for me to send income verification documents. I uploaded them in a timely manner and met all qualifications. I was denied the card for unknown reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$61000.00} XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00}. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  bankruptcyXXXX XXXX Bankruptcy : Bankruptcy XXXX. XXXX, XXXX  {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX  Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Joint Asset Amount XXXX has voilated 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Equifax at the phone numbers they provided and they do n't work. This company should be investigated. Their web site also puts you in circles. Terrible company
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX Enclosures
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Saturday everyone and the management team ; I'm shocked that this account is still reporting on my credit report as it's still reporting incomplete and unverifiable information. If this account " was '' indeed verified or investigated, why is it still reporting 2 different dates of last active ( XXXX : XX/XX/XXXX ; and XXXX : XX/XX/XXXX ). It's impossible to have those variations between the credit reporting agencies and also, why are their inconsistencies with the payment history. For example, it show 's that the payment was marked " OK '' up to XX/XX/XXXX than all of a sudden on XX/XX/XXXX, it shows that it went into charge off status. Account status and payment history is incorrect just to name a few - It should say late 30/60/90/120/150/180 days late then charge off - Correct? It's imperative under the FCRA guidelines that the creditor or furnisher report accurate information. There are so many inconsistencies, incorrect, and incomplete information that makes this account unverifiable. This is in violation and it can not be reported. Please delete this account immediately from my credit report.
Product: Checking or savings account

On or about XX/XX/22 I called XXXX Customer Service ( a number I got from XXXX, which should be legitimate ) to report MULTIPLE attempts to have XXXX MONTHS of UNAUTHORIZED Subscription fees credited back to my Chime checking account. I had already called MANY times before CANCELLING these subscriptions, some never ordered. The XXXX Customer Service Representative ( which turned out to be FAKE and the number a SCAMMER/HACKER number ) had me verify my identity by sending a copy of my driver 's license and a Selfie in order to service my account. I didn't think it strange but found out later that gave him access to EVERYTHING of mine. He had me download XXXX apps ( XXXX XXXX XXXX  ), which I DID think was strange but I wanted my account credited as I had been trying for XXXX  MONTHS to get it credited. I found out later that XXXX is a Spyware app that allows ANY person to access ANY device and ALL the data on it and make it look as if ( with the person 's ID and selfie ) that person is making these transactions from their device and suffer the consequences and financial ruin associated with these transactions. This XXXX transferred {$250.00} to an XXXX XXXX account and STOLE my money! He asked about ALL my other accounts ... XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, etc and TRIED to get MORE money as well as get me to go into XXXX while I stayed on the phone with him and purchase MULTIPLE XXXX XXXX  cards for $ XXXX {$500.00}. That's when I stopped it and hung up! I told him I KNEW then it was a SCAM and ALL my money BETTER still be there. I went from the store ( XXXX ) to the gas pump because I was on empty. The pump stopped at {$2.00}. At that time gas was over $ XXXX gal so I wasn't able to even pump one gallon of gas. I live on a very small fixed income ( XXXX ) and had NOTHING to live on until the XXXX of XXXX, when my check was deposited into my XXXX XXXX card, which he NOW had my account/routing number to as well as ALL my other financial information. I reported this to XXXX, XXXX, XXXX, Chime and FTC. I have tried for all this time to get my money back from XXXX and/or Chime. I didn't get my XXXX CHECKS for 6 MONTHS after that. ALL my insurances and auto payments were CANCELLED, my license SUSPENDED, EVICTED and NOW living in my car, which I have had to pawn the title to about to be REPOSSESSED right before XXXX. I NEED HELP getting all this money back! My credit score was XXXX. Now it's XXXX. It's RUINED my credit and DESTROYED my life! I even went to the Social Security Office and got NO HELP! I have tried for the past 5 YEARS to rebuild my credit but these HACKERS/SCAMMERS have targeted me and have ALL my information. It's been sold on the dark web. What do I do? PLEASE send a copy of this to my email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear reporting agencies this company XXXX XXXX XXXX has not sent me information I requested. I requested they show a contract I have them XXXX XXXX XXXX they have not produced I have been working on this for 4 months now and received no documentation just verified and updated which is unacceptable I have reported XXXX XXXX XXXX TO THE FTC for fraud and unfair practices this company is clearly violating the FCRA to delete unverified information within 30 days. Theyre clearly violating the UNIFORM CONMERICAL CODE and doing what they want. Sending me verified and updated is unacceptable. Law states I can ask for any documentation and they have to provide. My next steps will be to call XXXX XXXX XXXX get one of the employees name and hold them personally liable in court if this fraud account is not deleted asap
Product: Credit reporting or other personal consumer reports

I recently pulled my credit and discovered various mistakes on my file. There are previuos addresses that don't belong to me, several accounts that say late paymenst in which I don't agree with and a charged off account and several accounts that are not mine
Product: Checking or savings account

Someone got into my account and got my money out and I want my money back back this happened at Wells Fargo bank
Product: Credit card

Today I received this notice from Bloomingdales that they are raising the ( or specifically my ) APR to 34.49 %. I realize that because its financial services are based in South Dakota, this is perfectly legal. Still, I wanted CFPB to be aware. It's outrageous and absolute usury.
Product: Credit reporting, credit repair services, or other personal consumer reports

any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card.

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below.

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).
Product: Debt collection

This is related to a previous complaint, # XXXX. 

In response to that complaint, both the CFPB and I received a response from XXXX, dated XX/XX/year>. 

In that response, XXXX stated that it had " contacted the credit bureaus with which it does business with its request to delete XXXX 's listing of the above-referenced account from your credit file. '' Not only has the account not been deleted, but XXXX additionally affirmed the debt and listing once AGAIN after providing this letter. 

Further, XXXX received all of the documentation proving that I did not owe the debt AND XXXX 's letter stating it would remove the listing. However, its " investigation '' has consisted of nothing more than asking its paying customer if the account was valid. This breaches XXXX 's legal and fiduciary duty.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the accounts from XXXX XXXX XXXX with the account number XXXX and account number XXXX. Also the account from XXXX XXXX XXXX with the account number XXXX. Please remove these accounts from my report IMMEDIATELY because I did not authorize them and I do not recognize them. I have never entered into an agreement or a contract with XXXX XXXX XXXX nor XXXX XXXX XXXX which makes these fraudulent accounts, inaccurate reporting to my consumer credit report and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit. I demand that all forms of communication from XXXX XXXX XXXX and XXXX XXXX XXXX to cease and for these accounts to be deleted from my consumer credit reports.
Product: Credit card

I contacted indigo when a charge on my XXXX XXXX account went through on my previously closed indigo card. When I was asking why the charge was approved and the card wasn't closed the indigo employee disputed the transaction when I said it was a legitimate transaction and I would pay it but wouldn't pay the annual fee caused by them not closing my account when I called originally. Now the charge was flagged as fraudulent and I can no longer use XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/2021 XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I made a SEPA transfer of XXXX Euros to COINBASE on XXXX XXXX, XXXX. Until this day the amount is n't available in my Coinbase account. My bank told me that the transfer has gone through. Coinbase usually has the money available within 2 to 3 working days, which was the case of my previous transfer. For this one, it is taking too long. The phone support line does n't handle money transfer issues, so I used the online " submit a Request '' form at Coinbase 's website to no avail. The details of the request are : " I did a SEPA transfer from a XXXX bank on XXXX XXXX and I still have no available funds on coinbase! I could have doubled this amount by trading by now. Where is my money? 
Case ID : XXXX Updated : XXXX XXXX, XXXX XXXX PST Created : XXXX XXXX, XXXX XXXX PST. " This is preventing me from making some good investments I had in mind and I urgently request help in solving this issue. 


I 'm attaching the transfer details ( One PDF with the summay of the transfer, from my online account, plus the picture of the document that the Bank gave my in paper with all the transfer details along with its translation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since COVID I have been on credit card payment deferment. Equifax, XXXX  and XXXX have all lowered my Score which is now making it difficult for me to aquire a new mortgage. There should be taken into account and not used to hurt the consumers. I am on time with everything and i dont just pay the minimum.
Product: Credit reporting, credit repair services, or other personal consumer reports

BC Services Inc is reporting a debt on my credit file that I do not owe. I noticed this collection reporting on my credit file and this is not mine. I am a trucker and my truck got totaled from an accident, I had to go to the hospital and get looked at. Insurance should have covered the total amount and I was told I had to pay nothing out of pocket. When I received a statement saying I owed {$1400.00} I called them and told them this was being covered by insurance. They said they would be looking into it and getting back to me. To this day, I have not heard back but nice enough I was sent to collections. BC Services also did not give me a 30 day right to dispute. That is a violation. This needs to be removed immediately from my credit file.
Product: Credit card

Someone tried to open credit card in my name which affected my credit score. It was denied but still got applied to my credit score. How can I get ut reversed? 

XXXX
Product: Mortgage

I received a notice from my mortgage company, Click n ' Close, dated XX/XX/XXXX that I had an escrow surplus of {$220.00} and would receive a refund by check within 30 days. I did not receive a check, so I called the company and was told the check was mailed and that they would cancel it and reissue another check that should arrive to me in 7-10 business days. I did not receive a check, so I called again. They assured me the check had been reissued and I would get it, to be patient. On XX/XX/XXXX, I still had not received a check and called again. After being on hold repeatedly for more than 30 minutes, I was told once again that a check was coming. On XX/XX/XXXX I called once again, having still not received a check. This time I was told if the check was not in my mail by XX/XX/XXXX to call back and they would get my banking information and deposit the surplus directly to my account. I did not receive a check, so I called again on XX/XX/XXXX and gave them my banking information. They said the would be deposited to my account by XX/XX/XXXX. The deposit NEVER happened. So, I once again called on XX/XX/XXXX and requested repeatedly to speak to a manager but was denied and told that the funds were scheduled to be released to my account by XXXX XXXX XXXX  XX/XX/XXXX and that I needed to wait at least 72 hours for the deposit to show in my account. No deposit was made to my account. On XX/XX/XXXX, a check dated XX/XX/XXXX came in my mail. I deposited the check through my ATM. On XX/XX/XXXX, the check was rejected by my bank because it had been cancelled by Click n ' Close. It is now XX/XX/XXXX and I still have not received the funds for my escrow surplus. My account is current and there is money in my escrow account. I have lost trust and faith in this company at this point.
Product: Debt collection

Credence resource management has constantly put this debt on my credit report 3-4 times when I DO NOT OWE THIS DEBT. Ive gotten it deleted every single time as well and they just keep putting It on my credit report. This is literally the third time theyve done this and its harming my credit when I do not owe them a dime.
Product: Checking or savings account

I opened the Chime account at the end of XXXX ( during XXXX of XXXX weekend ). 

Account creation went through swiftly. 
At that time i firstly uploaded all the required documents for identification. 

After roughly XXXX week i received the debit card. 

On the XXXX of XXXX i try to login to get the transfer information to move some money into the account. however, I can not do it since my account has been either suspended or closed. The app tells me to write to " XXXX '' which I do promptly. 

On the same day I write to " XXXX '' which tells me that my request has been transferred to the specialists team. 

On XX/XX/XXXX I sent another email asking for the account closure. " Transfer to the team '' as answer. 

The day afterwards ( XXXX of XXXX ) i call support because I received no answer. They told me to write an email to " XXXX '' a bunch of pictures of me holding my driving license, a piece of paper with my name on it and a selfie. Same as before, I got only the " transfer to the team '' answer. 

I called them on the day afterwards XXXX of XXXX, no luck. 

On XXXX of XXXX I tried again with the phone support. XXXX minutes call. They requested various pictures ( again, same as the one requested on the XXXX ) to be added to the open ticket and they told me I would have received an answer " soon ''. They also suggest to open a new ticket with the very same pictures on the same day always through email. Done that, no luck. 

Called them again on the XXXX. Same story. 

Called them again on the XXXX of XXXX. No luck. 

Various pings were made through email on every open ticket. I still have no answer on why my account has been locked.
Product: Credit reporting or other personal consumer reports

For about a month now Ive been calling transunion customer service line and Ive been getting different answers to why I cant access my online account. No one has resolved the issue
Product: Checking or savings account

WELLS FARGO SHOWING ON XXXX XXXX XXXX XXXX HAVE FTC OF THE INACCURATE INFORMATION
Product: Debt collection

I have reported this debt on my credit report to each credit bureau and also the company that placed it because it is a result of identity theft. I have lived in XXXX, XXXX since XX/XX/XXXX and once I moved out of my fathers home in XX/XX/XXXX I put my electricity bill in my name and have so even now. There is no reason I would have needed a electricity bill in XXXX XXXX when I do not live there. This is a case of identity theft. I have never received any bills, notifications, or any other notice of this account until it was placed on my credit report and I have been dealing with trying to have it removed and a fraud alert placed on my account since then. The amount is {$2400.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$910.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX
Product: Credit card or prepaid card

I am a Chase account holder of a Chase Freedom Unlimited credit card. In my online portal ( to which I have to login ) - I received a targeted offer for a Chase Freedom credit card. The offer stated in large letters " Because you are a Chase customer, just provide the information below and get a decision in seconds! '' I provided the requisite information and submitted the application. Chase pulled my credit card. Chase subsequently not only did not provide a quick decision on the application, but kept it pending until I called in on XX/XX/2018 as I heard no additional feedback other than the application was pending. When I called in, I was told that I had to prove it was me who applied by providing a copy of my original social security card. I offered to provide a copy of my ssn through my XXXX or tax forms as those were readily available. That was denied as only a copy of an original ssn card would suffice for Chase Bank. I applied through my logged in Chase portal - my identity should have been immediately verified once I logged in successfully and prepared an application/ This is a huge inconvenience for me as I wouldn't have applied had I know Chase was not intending to honor their statement : " Because you are a Chase customer, just provide the information below and get a decision in seconds! '' Now I have to go to a social security office to get a copy of my social security card because its not readily on hand and alternate verification for Chase are not sufficient. I believe this is unfair/deceptive trade practice by Chase Bank. I believe their targeted ad was intentionally misleading to me as a current Chase Bank customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX # # # # # # # # # # XXXX  XXXX charge off closed account, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX # # XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX inquired on XX/XX/2022. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX inquired on XX/XX/2022 has 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