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

The forced choice questions didn't quite apply to my situation so I apologize if I filled that out incorrectly. My name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX CO, XXXX. Today, at XXXX PM MST I received a call from an XXXX XXXX XXXX ' ( call was from XXXX XXXX XXXX XXXX from XXXX XXXX WV ) that told me someone had used my cell phone number to open an Amazon account. They said the charges were for XXXX XXXX and something else which I was unable to understand given the language difference in the total of {$8500.00}. They asked me if I ever used public wifi ( and I had just returned home from a trip to visit my daughter, so the answer was 'yes ' ). After being put on hold many times and being told that the merchandise would be delivered to XXXX, NY tomorrow, I was told that it was too late to do anything to get the money back and that a criminal investigation would be required. 

Another long hold. Another man came on, XXXX accent, and sounded like the first man, although I was told I was being put through to the fraud department. He told me that these fraudulent charges had been going on for 22 months and they had to figure out who the bad guy was ( insinuating it could be me ). I have had a really tough 2 months and I really got hooked although I have experience things similar to this in the past, yet not as dramatic. Another hold. The guy gets back on the phone and tells me that they have to file a criminal investigation and they were going to call the nearest police department to me to file with that PD. I thought a minute and gave them the name of the PD in my town where I live. Ten minutes later the XXXX XXXX XXXX XXXX calls from XXXX, as if it is XXXX of my contacts. Ironically, and maybe only a coincidence, but my old business phone number was XXXX - I retired with the pandemic ). I was on hold so I 'Hold and Accept ' to receive the call and it is another man with an XXXX accent so this is the first time I consider fraud. I'm really upset and he tells me to 'stop laughing, you could be in big trouble. ' At this point, I tell him that I will head to the police department myself ( XXXX XXXX Police Dept, XXXX XXXX CO ) and I can talk to him there. He says, 'are you disrespecting me? ' He says that he is XXXX XXXX and he's not at the XXXX, then he says he'll meet me tat the XXXX  and that I should bring a criminal lawyer with me. I'm XXXX XXXX XXXX with no arrests- why would I have a criminal on retainer? I went to the XXXX  who helped me determine what steps I need to take. 

I surely appreciate your help in this matter. I'm also taking steps to notify my bank, credit card companiess and credit bureau.
Product: Credit reporting or other personal consumer reports

I raised disputes for this inaccuracy more than XXXX days ago, and there has been a failure on your part to notate them as disputed. The absence of notations is unacceptable. According to 15 USC 1681s-2 ( 3 ), this items must be promptly removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The enclosed statement is from the creditors investigation. Address - UPDATED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit bureaus stated my consumer report with account XXXX XXXXXXXX was properly investigated, but how is that possible if the open date is inaccurate, the last active is inaccurate, Two-Year payment history is incorrect, and date last reported is not accurate. Also Experian is reporting paid and XXXX is stating derogatory. 15 U.S. Code 1681 ( a ) speaks about the Accuracy and Fairness of Credit Reporting. These inaccuracies are grounds for deletion.
Product: Credit card or prepaid card

I got a fraud call on XX/XX/XXXX from chime saying someone was trying to use my account to pay for a doordash order. And it said that I should text back when chime text me no or yes if that was valid. When the text came through I texted no. Saying that I did not authorize that payment. I was at XXXX at the time and I was in line using my chime card at the time. And I made a purchase at XXXX on the same night. After that I went home and I check my chime app and it said that i authorized some transfers to a person name XXXX XXXX in the amounts of {$550.00}, {$1100.00}, {$300.00} {$25.00}, {$10.00}, and {$5.00}. I do NOT know that person and I did NOT authorize those transactions. I did a police report the next day and I reported that issue to chime. Between XXXX est and XXXX pm est those transactions took place. Also at XXXX another transaction from XXXXXXXX XXXX XXXXXXXX for {$9.00} took place I did NOT authorize that transaction either. At that time In was driving home from XXXX. Chime did an investigation and said there was no fraud. I am beyond upset. I feel like they did not investigate the matter correctly. because they alerted me that there was fraud and then went back on there word and said no fraud. They also suspended my account for a few days and had me to verify myself in order to open my account back up so I did. Please help me I am a single mom and I was going to pay for a prom dress for my daughter and pay some bills that were behind. That was my income tax money. They also issue me a new card without me asking. I had my phone and my card no one has access to my phone or card. Someone hacked my account that is what I believe. I also make purchases online as well. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Collection Agency Rep. 

THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. 

In Hinkle v. Midland Credit Management , IncXXXX, the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. 
Provide me with the following : A copy of the original contract you alleged I signed. 
An accounting of how payments were applied. 
The interest that was added along with any ancillary charges. Identify the original creditor. 
Prove the Statute of Limitations has not expired. 
Provide verification or copy of a judgement if there is one. 
Provide licensing information that allows you to collect in my state. 
Per the FDCPA 1692G, all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. 
If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX I requested a Lienholder 's Certificate from Select Portfolio Servicing as required by XXXX XXXX in order to get a Boundary Line Elimination on my property. In XXXX of XXXX, I was finally informed from Select Portfolio that I needed to pay {$500.00} for their legal department to process the document and I had to submit a survey of the property with the Boundary Line Elimination proposal a plat of the current property, and I had to purchase XXXX XXXX. Select Portfolio has not delivered the Lienholder 's Certificate as of this date and it has been a year and five months since my initial request. I have called dozens of times for updates, emailed the ombudsman department that is receiving updates from the legal department and have only received the same response- they do not have a projected date of delivery. They will not tell me how long it will take, where I am in the pile, how many people are working on it and why it is taking almost a year and a half. Unfortunately, I can only obtain this document from my mortgage company. And I can not get a much needed Boundary Line Elimination without this document that my mortgage company will not deliver. I'm paying yearly taxes on XXXX tiny little lots that need to be combined, not only for economic reasons, but for the workload it causes XXXX XXXX XXXX Department. Both XXXXhe County and I need this to happen. We can not do a thing until Select Portfolio delivers. Instead, Select Portfolio keeps sending me copies of the title paperwork that I never requested. I received a letter this week from Select Portfolio, dated XX/XX/XXXX. It stated : " In your inquiry, you requested information regarding the title policy. We have enclosed the Policy of Title Insurance. '' I never requested my title. I have only requested a Lienholder 's Certificate. I've spent {$2100.00} on a survey, {$500.00} on Select Portfolio 's processing fee, {$240.00} on XXXX XXXX and I still don't have a simple one page document called a Lienholder 's Certificate that should have been provided nearly a year and a half ago. 

I need to escalate this matter. Please publish this complaint. I have been incredibly patient and now I have to escalate this matter in every conceivable direction.
Product: Credit reporting or other personal consumer reports

I telephoned Experian in reference to the wrong name, job employment, and address on my credit report. The rep told me they were removing it from my credit report on XX/XX/year>. My credit was pulled on XX/XX/year>, in it was not removed. 
My name is not XXXX XXXX XXXX XXXX. I never lived at either of these address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX La or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I never worked at XXXX XXXX XXXX  XXXX
Product: Debt collection

receivables management Partners LLC has called me on several occasions from XXXX all the way through XXXX. Back in XXXX I entertained the phone call and they asked for a man 's name that I've never heard before. I told her my name as well as my husband and daughters. We have recently just moved from XXXX  down to XXXX  and I got this new number mid-XXXX. The calls started XX/XX/XXXX. I also received a call on the XXXX, XXXX, and XXXX. I continue to receive calls XX/XX/XXXX two times that day, XXXX, XXXX, XXXX and then in XXXX I got calls on the XXXX and XXXX. XXXX I have calls from the first, second, XXXX and XXXX. So not only did I clear up that I am the wrong person they are looking for back in XXXX, but I also answered the call in XXXX to let them know I had already informed them of the mistake. I was assured on the second occasion now that I would not receive calls anymore. Today XX/XX/XXXX I received a call just after XXXX this morning and this time I was very frustrated about the calls continuing and I was getting ready to file a complaint. The lady was very rude almost taunting me. She told me that she put a note on my phone number that it is the wrong person but if another collections comes in for a different reason for the same number even if it's for the wrong person, they would still call me. I pretty much argue that that should not be allowed and they should know their system that XXXX XXXX owns this phone and if any other name comes through do not call it. She continued to argue with me and even started yelling so I just pretty much told her I was filing a complaint and hung up. So here I am.
Product: Credit card

I made a purchase of {$470.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Product: Checking or savings account

Opened a Citi account online due to the promotional bonus they are offering by keeping $ XXXX in the account for 60 days. I initiated a bank transfer online from my external bank 's personal checking account. I initiated another transfer to ensure I meet the $ XXXX requirement for the bonus. My account was then suspended for no reason. Called several times and was told I would get a call back in 24 hours. Have not gotten any calls back in 2 days. I called and after hours I was connected to an agent that told me my account is referred for closure and I can not access my funds until they close the account, which would take 60 days. They are keeping my money XXXX and they do not have any right to do that. Feel so helpless.
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 15 USC 1681XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Let me start by saying I'm XXXX  XXXXand lost all my technology during the winter strong. When the pipes burst in my apartment I list my job due to covid and now wells fargo is stealing my money and still doing it. Tgey refuse twice when my account gas been used by someone else and now they have taken my fema money. Tgey keep taking my account out of getting my statements online. Tgey even tried to not pay me my sign up bonus tgey promised when getting the account. I walk 1 5 miles to bank with them and pay {$35.00} fee almost daily. I cant see my statements from my first closed account and couldn't read the statement if I had them. The bank sent me XXXX  but now stopped sending that. It's a completely disrespectful when I state to them my house was robbed and I was in XXXX  due to a passion charge and couldn't have made these transactions. They lied and stated the charge at XXXX XXXX was made by me bc they use a chop reader. No freaking way does XXXX XXXX use a chip reader. And I was in XXXX. I was not at XXXX XXXX or your bank or heb or sending money to companies online. Not how XXXX  works. 
They feel that I'm XXXX and cant stop them. They make fun of me by sending letters in the mail explaining why they wouldn't pay me back the money that was stolen. It's not funny Wells Fargo.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I learned that there was a new hard credit inquiry on all of the following credit reports : XXXX, XXXX, XXXX. It was a hard inquiry from Capital One Bank. I have not given my consent for Capital One Bank to pull my credit. 
I tried to contact Capital One Bank on XX/XX/year>, using the phone number provided by the credit reporting companies. I found myself stuck in a loop of menu options, NONE of which were relevant to my issue ( all of the options required me to provide my account number, but if Im calling for an account that isnt mine, what do I select? ). I was finally able to speak to someone by picking the wrong option. The person eventually told me that instead of contacting Capital One Bank, I should have contacted XXXX XXXX. I was transferred to XXXX XXXX, waited on hold for several minutes and was disconnected. 
I looked for an email address for Capital One, any email address at all, and could not find one. Their chatbot on their website is useless, as well, it does not help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, Applied Business Service INC XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Capital one savor one suddenly and abruptly cancelled my account and sent me an email on XX/XX/XXXX XXXX XXXX in the morning stating they were closing my account on XX/XX/XXXX ( makes no sense ) due to purchase activity has not been consistent with our expectations of how consumer accounts are used. I use my card frequently and I always pay off my card. Absolutely frustrating Ive been a customer for XXXX years. I tried to resolve it with the customer service but they stated they dont know the reason and they can not undo it because they are a third party customer service. They recommend that I send a letter to the actual capital one bank with questions and concerns. Which does nothing for me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

transunion did opposite of what i asked them to do iasked if they could delthe opposite of what i asked them to doete XXXX  from inquirys on my credit report but it was ok to leave the one from XX/XX/2021 on because i did do that one they deleted that one and left the others on
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance is not reporting on-time payments to XXXX. American Honda Finance is only reporting past due payments in payment history. This is a FCRA violation and negatively impacts my credit score. Attached please see excerpts from XXXX  credit report clearly showing only past due payments in payment history for both account XXXX and XXXX.
Product: Checking or savings account

My account with Wells Fargo was closed and I never received the funds that was in the account at the time of closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding false and unknown things on my credit report. To this day it is 56 days later I have not received any response or documentation from Equifax as of yet. I feel like I'm being taken advantage of and being ignored by my disputes. Accordance to Fair Credit Reporting Act Section 611 ( a ), it is plainly stating that a failure to investigate the items within 30 business days or more gives a reason to immediately remove the item from my credit report. It has been over 30 business days so they should remove this promptly. I demand this account be deleted soon as possible or I will file for ligation due to the stress and damages you have caused me. My information was also impacted by the Equifax data breach and may have gotten to the hands of a computer or wrong person.
Product: Debt collection

Went court frederick hanna asociates got a judgenent consent for XXXX claiming to reprinting XXXX I never sen any documentation in court even though asked for documentation asked for settle for less would not and only can afford XXXX a month but charged XXXX my income is to low to pay this and never seen any documentation in court should have owed less never seen a signed contract from their attorney where I owed the debt I had been paying XXXX in the past now charg me XXXX. Though it wa violation to be paying before trial and all proof documents where in court have payed hanna over XXXX in past and do not owe the stated ampunt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through XXXX, they even have XXXX of my collections listed as " medical ''?? but they " verified it, XXXX '' and there was a " key derogatory '' that showed two times in 2016 even though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping
Product: Mortgage

I had a standard conventional home loan with Citibank for {$480000.00} on XX/XX/year>. 
Citibank insisted writing a physical check of {>= $1,000,000} to XXXX XXXX to pay for my partner 's credit card debt. I am the sole borrower of this loan from Citibank. Citibank doesn't have my permission to use my loan amount to pay for someone else 's credit card debt. I try to communicate to Citibank staff and no one is responding to my concerns. 
I don't understand why Citibank insists that I need to borrow $ XXXX to pay someone else 's credit card debt. I have told Citibank that I would prefer to lower my loan amount if they don't feel comfortable. Citibank insist that I need to borrow the maximum that I can afford to pay for someone else 's credit card debt that I have no control over! 
This is bank fraud.