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

XXXX XXXX I checked my Chase checking account online to see what my available balance was. I noticed that the balance was extremely lower than expected By thousands of dollars. I checked the transation activity and discovered several entries of transations that I never made. 
The charges were XXXX debit charges made from XXXX for XXXX each totaling {$3900.00}. 
I called chase immediately and reported it. I was told that they would investigate the charges, in the mean time they would replace the money back into my account. also a new debit card would be sent out by XXXX to me to use and I received the new card, and they removed the charges. 
on XXXX XXXX I presented my debit card at the grocery store and it was denied. 
when I called chase I learned that the credits was reversed after a investigaton even though I did not make these charges. 
Chase never told me or in any way reveal to me that the credits was temporary pending their investigation, advise my of the status of their investigation
Product: Money transfer, virtual currency, or money service

With regards to the complaint, ID # XXXX. The company responded by apologizing for the inconvenience and provided information for me to collect the refund in XXXX XXXX at any Western Union location.

Having received this email I responded to the company that I was no longer in XXXX XXXX and that I am now in XXXX and requested that they send the money there. I subsequently received an email with new information that will enable me to collect my refund in XXXX. On XX/XX/2021, I went to a Western Union location in XXXX to collect this refund. Having completed giving the relevant details to the representative, she then told me that she is unable to issue the money to me as she is seeing " Transaction is under Review '', I then sent an email to the Executive Resolution Department, with whom I have been communicating since the intervention of CFPB. Also, since the email came from that department as to how to collect my refund in XXXX. 

On XX/XX/2021, I receive another email stating that the money I can only collect the money in XXXX XXXX. How do I get my money, when I am no longer in XXXX XXXX??? 

I am a single mother and I need my money to look about my children back to school expenses and Western Union is giving me a warm time getting back my money!!! 

I was a XXXX  in XXXX XXXX  where my tenure has ended and now I move back to my country, XXXX, in XX/XX/2021. I NEED MY MONEY WESTERN UNION!!!!!!
Product: Credit reporting or other personal consumer reports

The late payments shown don't align with my regular payment record.
Product: Debt collection

NATIONAL CREDIT SYSTEMS Amount XXXX Date - XX/XX/XXXX XXXXXXXX  This is not my collection debt
Product: Debt collection

An unauthorized medical account is being reported on my credit profile, I never have been to XXXX XXXX in my life ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THESE INQUIRES REPORTING ON MY CONSUMER REPORT. CAN YOU PLEASE INVESTIGATE AND CORRECT THESE ISSUES. 
I AM A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. INQUIRES : THE XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to obtain a copy of my credit report from Equifax. Apparently, the information they have does not correspond to me in any way. Security questions seem to imply that they are referring to someone else. As a result, I am unable to receive a copy of my report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, ad I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my credit report that was not authorized by me and accounts being applied for without my knowledge.
Product: Debt collection

I was contacted by XXXX XXXX XXXX in XXXX of 2023 regarding a closing balance on my account. I paid the amount. 

XXXX XXXX XXXX continued to send bills to me, I contacted them and provided financial records showing the payment was made ( credit card statements to XXXX XXXX XXXX for the exact amount ). 

Since that time, I have been contacted by ( 3 ) three different collections agencies seeking payment for this amount. I have sent them all the same financial records. 

I never hear anything back from them, and after a few weeks go by, another different collection agency contacts me with payment demand. 

I paid the debit, given records, and still get harassed for monies. It is quite frustrating!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX, XXXX, XXXX XXXX This address is not my current address and its not a mailable address. 

My ONLY current address and mailable address is : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX SEE ATTACHMENT ENCLOSED IS MY LEASE AND IDENTIFICATION IF THIS IS NOT CORRECTED FURTHER ACTIONS WILL BE TAKEN PLACE
Product: Credit card or prepaid card

Made an agreement with Chase Amazon credit card for 2 different offers for 0 % APR financing. Chase is stating that because I over paid my credit card by a small amount than what was due. The 0 % APR offer is cancelled and requiring full payment of remaining balance due immediately. Not only was never informed this was the case, they seem to want to penalize a slight overpayment. 

Attached you'll find 2 statements, one before and one after this error was made. You'll also notice no mention of overpayment cancelling the remaining 0 % APR offer on the statement.
Product: Credit card

On XXXX XXXX 2016, I applied for a Bank Of America XXXX Credit Card ( " BOA '' ). BOA targeted me with personalized mailings and online advertisers promising {$100.00} statement credit, XXXX miles, and a companion airfare. However, BOA approved the account at their Platinum Plus level, based on their assigned credit limit. This card came with XXXX points and no additional benefits. Buried approximately XXXX paragraphs into the Terms and Conditions, BOA explains the difference between the XXXX XXXX and XXXX. This is anything but clear. BOA does not indicate in XXXX location the overall benefits of the XXXX product, unlike the XXXX XXXX edition. BOA is purposefully deceiving customers and their actions are within the jurisdiction of CFBP and FTC for enforcement under authorizing legislation. 

BOA has gone above and beyond to sell me a product, however, they gave me something entirely different without any notice. It 's also of notice that my credit score, income, existing trade lines, and other BOA products are consistent with BOA approval criteria for their Signature products. This is an obvious " bait and switch ''.
Product: Debt collection

XXXX is attempting to have American Coradius International LLC collect a debt on a fraudulent account that was not authorized. This account was already notified to XXXX as true identity fraud. I did not own this account and I do not. All of the bank accounts linked do not match to me. The charges on the accounts are not my charges. I did not apply for this account and I did not receive any benefit from this account. XXXX did not have my authorization or permission to open this account. The charges are fraudulent. I did not receive any cards from this company I didnt reach out to XXXX to pursue this account. XXXX was notified Im a victim of identity theft and XXXX chose not to investigate this situation and instead falsely accused me. No proof has been provided I do not own the email address they used to register this account and I will not accept liability for this debt this is true identity fraud and I am disputing this debt.
Product: Debt collection

XXXX XXXX has been calling me almost every day, at least twice per day for at least 3-4 months. They call from multiple phone numbers with area codes in several states and toll-free numbers. They call on both my home number and my cellphone. They do not leave messages if I don't answer. After the first few calls, I asked them to stop calling me. They now call me almost every day on an average of twice per day. I have blocked as many numbers on my home phone that my phone will allow. On my cellphone, I've blocked close to, if not over, 100 numbers from them. 

When they call, they give a first name and ask for me by name. The then say before they go any further, is this ____________ who resides at __________. I hung up on the first call after telling them I'm not giving out personal info when I don't know who it is calling. On the next call, I told them to stop calling. They called again a day or so later and this time I reminded them I said to stop calling and hung up again. They still continue to call. 

Most of the time I don't answer and just let the call go to voicemail. I then call the number back and get the recordings saying thanks for calling XXXX XXXX and I hang up and block the number. On others calls that I answer, as soon as they start into their " script '' I know it's them, so I hang up and block the number. Sometimes they call my cellphone and when I don't answer, they immediately call my home number ... and vice-versa.
Product: Debt collection

On XXXX-XXXX-17, This debt was disputed via CFPB under case number XXXX-XXXX. This dispute stated the collection agency had failed to verify said debt and was reporting on my credit report. The company responded to the complaint and stated that they would send me out the contract/ debt validation immediately. To date, This has not taken place. I am disputing this once again, as the company has failed to provide proof of debt in the form of a signed contract. Considering this information has not been provided, Per the FCRA I am not obligated to pay the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote to All 3 credit reporting agencies, nice letters that convey the lack of movement ( stagnation ) FICO score for over 20 years! Transunion is the worse by far. Their score was XXXX as of XX/XX/2022. A young man i know crashed his car With no insurance and his is XXXX in just a year, i have tried EVERYTHING, my payments are exceptional, a debt of {$2900.00}. Good Pension, Rental income and i live rent free in the 4th apt ! no bankruptcies ... All this is telling me is the industry itself is not doing their due diligence in following up on anything. They even stated my letter was illegible even though i printed it. XXXX by the way is at XXXX ( checked yesterday ) so while I did argue with the customer service rep. today, Transunion wanted my birth certificate and other info. As a business the requests that when a SS number suffices on the internet, Why on Earth do you need a Birth Certificate to prove Who i am ... makes no sense. The Credit industry needs to be totally revamped as they caused me to Not getting a Refi nor a Heloc loan just XXXX XXXX.
Product: Debt collection

They call 8-10 times over a XXXX min period daily from different numbers and use different agents. They call at XXXX in the morning, during my work hours. I have asked them to stop calling until after XXXX and they refuse. The agents are all professional but the company does not have anything set up to stop this from happening. Even after saying I was going to file a complaint they continued.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE HARD INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZE : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, Experian and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX balance of {$320.00}, account opened with XXXX XXXX XXXX under the account number XXXX on XXXX, account with XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX These account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached the copy of the identity theft affidavit as proof from the XXXX Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This request is with XXXX XXXX  of whom I have received a " charge off '' code on my credit report. Please note, I am fully aware of my responsibilities of this debt and in no way shape or form am I attempting to suggest a settlement to clear the debt. It was not until the months of XXXX thru XXXX of 2020 my payments took on stand still given the financial hit that occurred outside of my control. Since before those months I have never missed a payment or had any reason to. During those months I was contacted by XXXX representatives whom I would ensure them that I am seeking possible debt consolidation and/or other means of payment given the current crisis and they implied " ok '' we will note your account. At no time was I aware that my account was going in negative status leading to a harsh score on my credit report. I was under the impression that the payments were either deferred and/or put on hold just as other debt collectors were doing at that time. In the middle of a new house purchase I was caught off guard and now even worse possible without a place to live. Since finding out I have paid the full amount to bring my account in current standings and am requesting the " charge off '' code be removed to continue payments in good standing. Although this has been investigated via the bank and noted as not being a bank error I am asking for understanding in this matter as I was not fully aware of what was taken place. My credit score was XXXX and dropped immensley to XXXX given this code. I ask for a fair chance at regaining my current status as it is in this matter. Please take this complaint into consideration as I have not unknowingly committed such degree. I have worked hard for my credit as it depicts who I am as a person and have been a committed civilian of the XXXX XXXX XXXX for over 10 years. Thank you in advance for even taking the time out to read this digression. 

XXXX XXXX XXXX XXXX
Product: Mortgage

Round or about XXXX XXXX, 2015 I had a XXXX. She was not able to return to work. I am is XXXX years old, however, I could not retire completely due to financial obligation. My XXXX caused me to go into complete retirement,. I can no longer walkout with aid. In XXXX 2015. I submitted an application for home modification, it was denied for lack of the XXXX being submitted timely. I submitted another application it was denied, due to lack of food assistance proof. However, I am sure the proof of assistance was faxed by another family member. Please can someone help in this matter.
Product: Debt collection

I'm writing this communication because I found an error in my reporting, it's an account that I don't recognize. please I would like to investigate since I don't remember being in a contract or having any relationship with that company. 

The company name is shown as RADIUS GLOBAL SOLUTION, posting a debt of {$430.00} on XX/XX/2023. 

please if any document was seen like I really have a contract or any relationship directly with this company Radius Global Solution I want to have a verification and copy to me. 

sincerely, XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes and debt validation letters to all three credit bureaus. I have also sent letters to Nissan Motor Acceptance in regards to a debt owed with the balance of {$9700.00}. I have sent letter in XX/XX/XXXX and XX/XX/XXXX. I have even disputed this matter on the XXXX website. The date last reported is inaccurate across all three credit bureaus. According to 15 U.S. Code 1679c. I have the right to dispute inaccuracies on the credit rmy credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. 
I also resent the same letters the following day with my ID and SSN card on XX/XX/21. 
They should have received them by now and I think XXXX is just trying to stall for time b saying that they have not received my ID. Please do not waste time in deleting this inaccurate information. 
I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX and have filed an FTC report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report and have no clue why they're there. When I checked my report as usual, these discrepancies appeared unexpectedly. I even refreshed my browser to rule out a glitch, but the inquiries remained. Therefore, I request a thorough review of the documents I sent to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

These solicitations are not approved by me and are irrelevant to my financial activities. I request their brief removal from my credit report.
Product: Debt collection

In XX/XX/XXXX, I received a letter from Commonwealth Financial Systems , Inc. dated XX/XX/XXXX attempting to collect on a debt with CFSI account # XXXX ( original account # XXXX XXXX ) for {$1800.00}. I quickly sent a letter via certified mail which was delivered on XX/XX/XXXX with USPS tracking number XXXX saying I believed this debt was not mine and requesting proof of the debt. I specified that under the FDCPA, they had 30 days to comply, and that I expected this debt to be deleted from my credit reports if they didn't. It was completely removed from my credit reports, so I believed them to have fixed their errors. However, this month, I received another letter from them dated XX/XX/XXXX attempting to collect on the same debt, except this time it is under CFSI account # XXXX. It is clear that this company refused to follow federal debt collection laws and is simply attempting to collect once again on an illegitimate debt under a different account number.
Product: Credit reporting 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 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, 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 NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX Balance Owed XXXX {$5500.00} XXXX  XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed XXXX {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received letter on XX/XX/XXXX regarding a debt. I was not aware this fee was owed. Send a letter to I.Q Data International , Inc. at XXXX XXXX XXXX XXXX WA with the purpose of disputing and requesting a verification letter. I have received no communication back. I had assumed this was a scam or otherwise. On XX/XX/XXXX I noticed a collection hit on my credit report so I called IQ international inc and was told that they never received my dispute and at this point it did not matter and that I owe the debt and need to pay it in full including interest. 

They lied about not receiving my dispute and has violated FDCPA guidelines for not pausing the debt to properly verify and provide proof of debt. They did not mark the account as disputed on credit score.
Product: Debt collection

When I was looking in to this internet loan it was 2019. 

35.95 % intrest, - {$10000.00} financed-, {$6400.00} intrest. 
Company XXXX, XXXX XXXXLove Beal & Nixon The person told me that if I couldn't repay the loan we could go to arbitration and greatly reduce to amount. However he also stated that if for whatever reason they did not offer me arbitration not only would the loan be null and void but the company would have to pay me a minumin of {$7500.00} and any legal fees. Now they are threating to get a judgement against me. I am XXXX XXXX XXXX living, or trying to live on social security.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$460.00} XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX  - XXXX - XX/XX/XXXX - {$9100.00} INQUIRIES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX