23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

In XXXX I called Chase bank to I inquire about charges on account. I had a joint account. The customer service department transferred me to the fraud department. The person at the fraud department asked me my name, address social security number, etc. However then they asked me if I had the debit card in front of me, and even though I told them I did, they then acted really paranoid like I was not the real account holder even though I told them information only I could know and then transferred me to some automated system that told me to enter my card number and expiration date, and even though I did the automated XXXX XXXX XXXX said the information was not valid even though it was and locked me out of my own card, why I transferred to an automated system system made no sense that did not work and locked me out, why the person working in the fraud department got all totalitarian makes no sense, I could not even log in online to resolve the issue, or deal with the issue by calling customer service. I had to go down to the branch in person because the fraud department was treating me like a criminal and locking me out of my own account. Maybe Chases ' totalitarian fraud department should be contracted to run private military companies in countries where rights do n't matter, because they acted like that, but in my opinion, the fraud department should not be in the baking business because in the XXXX where civil rights exist, maybe this policy would be okay in XXXX XXXX. I was a customer for over 10 years and yet they treat a customer asking about a transaction like a criminal, it 's highly unlikely even if someone stole my debit card they would know my address, social security number, address, pin number, and online user name and password, so why lock me out if my online account? I could not even call customer customer service to order a new card because my account was frozen. There is lack of transparency and due process. No administrative appeal or grievances available. I feel the fraud department acted in bad faith and very unprofessional, I was never even given a logical explanation of why my card was locked when I went to the bank branch, so I believe my account and card was frozen simply to harass and oppress. I had direct deposit from social security XXXX so maybe this was discrimination and maybe violated the equal credit opportunity act. I do n't feel my case was treated in a fair non discriminatory manner and I was never given any explanation. A customer should be able to inquire about charges without being treated as a criminal, when I enquire about charges at another bank, they do n't think accuse me of being a thief, they treat me like a customer, they contact me by email if they need more information, chase bank was not reasonable and froze my account, fraud is a concern to financial institutions, however, consumer rights should be an equal concern.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, there were unexpected discrepancies. I tried refreshing the page to see if it was a technical glitch, but nothing changed. The unauthorized inquiries remained. I need the documents Ive provided to be thoroughly reviewed to prevent this from happening again.
Product: Credit reporting

I have disputed the information XXXX times with Equifax. They refuse to XXXX and XXXX XXXX XXXX off my credit report. These accounts werecharged by IDENTITY THEFT. I have provided my ID theft paperwork with XXXX credit reporting agencies. XXXXXXXX and XXXX have removed the info.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding unauthorized inquires on my credit report, to this day I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. This should be taken into a serious matter. Since they do not have my authorization nor verbal, I ask that you DELETE these unauthorized inquired from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to section 604 of the Fair Credit Reporting Act permissible purposes of consumer reports 15 U.S code b 1681b in general. I demand that you delete these inquires/ accounts immediately or I will file for LITIGATION due to the stress you have caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands of the wrong breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the inquiries below that are not mine. I have reached out to the credit departments but they have not corrected the issue. There is a person by the name of XXXX XXXX XXXX that is using my social security number to try to open up new accounts. 

Account name XXXX reported XX/XX/XXXX XXXXXXXX XXXX reported XXXX XXXX, XXXX
Product: Checking or savings account

Trying to link my bank account to XXXX app which is a money advancement app and it states pnc has made changes that will not allow my account to be linked. This was never an issue. Ive used it many times and used other money advancement apps before without issues and none work now
Product: Credit reporting or other personal consumer reports

I'm unaware of this debt and did not receive proper notification. if you believe you have supplied me with the proper notification, please provide the certified receipt with my signature. Also, I looked up the collection agency XXXX, and they are not registered to collect debt in my state. Transunion failed to investigate accurate information twice and I want to know what steps was taking to validate the alleged debt that is tied to me. is there an agreement that grants you authority collect on this alleged debt, or proof acquisition by assignment? What did you pay for this account and how did you calculate the current amount owed?
Product: Credit reporting or other personal consumer reports

There are a few Inquiries showing on my Transunion Credit Report which is totally not mine and I never applied with these Companies for anything. by law, the credit beaurau has to have specific verification in order to report this. I have sent XXXX letters requesting to send me the documents of how they validated these inquiries and it has been quite sometime and they refuse to remove the inquiries and also never sent me the docs supporting that they are legally reporting this. 

The wrong inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never ever applied with this Companies for anything and I request that Transunion please either send me the supporting docs to validate this and or remove them from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I see unauthorized credit inquiries on my transunion report, I try to call the companies to find out why they pulled my credit and they refuse to give me any information. 
here are the unauthorized inquiries XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My transactions, there were 5 in total were done in XXXX which I 'm taking Moneygram to the federal court here in XXXX. It has been suggested to me by XXXX in XXXX which is the equivalent to your FinCED to wroite to where the company is registered to seek a refund to the fact that they released my {$13000.00} XXXX dollars to someone they should n't have. I contacted Moneygram last year as this happened on XXXX XXXX 2016 and NOT one person from Moneygram has bothered to contacT me at all. I called their fraud number advertised on the intervener, emailed them and also contacted them on XXXX hence why I started processing against them in Court here in XXXX. I 've noticed that they have been fined millions and millions of dollars in theUSA. They have also received many fines here in XXXX but still continue to allow fraudulent behaviour by scammers using this service. Please help me make this company accountable for their behaviour.
Product: Checking or savings account

Not sure of exact date going off report received from XXXX reported XX/XX/2016 states I was reported for Suspected fraud activity in the amount of {$190.00} closure status UNPAID. I was residing in Georgia temporarily & i opened an account with Bank of America, upon traveling back an forth to New York, I lost or misplaced card & I did not give my pin # to anyone. I reported card lost/stolen & my account was closed after review by Bank of America. I was never informed i had any outstanding balances owed to Bank of America. I recently went to the bank with my mom to be added as a signer on her account an the branch manager informed me that I could not be added due to fraudulent activity reflecting on my social security number was entered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a contract with INSTA -AUTO # XXXX on or around XX/XX/2016. I was entered into this contract without a full disclosure of my right to rescind. This is a visible violation of the Truth In Lending Act. If they had presented me with a full discloure of TILA I would have seen the finance charge. Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me which is another visible violation of the law. Which leads to another visible violation of FCRA ( 1692e ) seeing that I was given false and deceptive information. Seeing that I was told that a down payment of {$2000.00} was needed in order to drive off of the lot. Pursuant to 15 usc 1605a - a finance charge is sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction. This is under the FCRA. This is the law and a clear violation of it. I have written Insta-Auto myself to try and resolve the situation, but they have continued ignore the consumer whose character they are damaging by continuously reporting negative and false information on me ( the consumers ) credit report. 
I know they are not able to provide these proper documents because they were not presented to me as they should have been under the law. They can not prove that they provided me a full disclosure of TILA and they knowingly took CASH down payment as that is a violation. 
Also according to 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States XXXX stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit - Charged me XXXX as of XX/XX/XXXX. I did authorize charge and they refuse to refund. They charge and bill services that have no access to see, or cancel. 

They services charges that we have no access to see or cancel and make it very hard to contact a person.
Product: Checking or savings account

I, XXXX XXXX XXXX am the owner of SunTrust business account for State Department Corporate Divisions Account known by XXXX as my Corporation called, XXXX XXXX  XXXX XXXX. SunTrust compromised my account by closing it on XX/XX/2003. I was never notified. Today I found out that they are claiming that XXXX XXXX XXXX closed the account. He is INACTIVE XXXX to XXXX and can not conduct business for XXXX XXXX  XXXX XXXX. So how could he be a closer of my account. SunTrust said that record only go back 7 years, but we know that that is not true. My account number is XXXX and I need it reopened and its funds returned from its account and others like XXXX with brokerage services XXXX and XXXX. These are securities accounts acquired from XXXX XXXX  XXXX XXXX., my perpetual corporation that should have not closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are shady credit card company by the name of XXXX n my credit report that shouldn't be there there are addresses that I have never resided there but there on my report. There are a list of double inquires from the same company and also there are a long list of old inquiries that do not belong there. They have been added due a breach class action in which I was a part of. This has caused me miss several business deals and loan approvals.
Product: Checking or savings account

A citi priority bank account was opened on my name. I would have to get that closed immediately. I was told there is an amount in the account. Around {$100.00}. I don't care what happens to the money. I just want the account closed and unlinked from me. That's all i want
Product: Debt collection

Im not allowed to receive personal calls at work and MidLand Credit continues to call my work number. I have contacted them multiple times to have them stop calling me at that number. It would stop for maybe a week, if Im lucky, then it would start right back up again. Its currently XXXX XXXX  and Ive received 4 phone calls from them today since Ive been at work. I got here at XXXX today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX is reporting a charged off account on my reports that I have been disputing for a while. 

This account is reporting inaccurate and inconsistent data. I have contacted them directly along with the credit bureaus requesting verification and validation of debt and have only gotten a letter from them with a settlement offer. This account is also reporting inconsistent data as far as when the account was opened and has different last active and payment dates between each bureau. 

This account was originally reporting to all three bureaus but XXXX deleted this inaccurate account from my reports obviously because they saw that there was no proof this account belonged to me. XXXX XXXX XXXXXXXX could not even provide me with sufficient documents on how they believe this account is mine, instead they sent settlement offers which indicates they most likely can not verify this debt. 

How are Transunion and XXXX able to verify this account as accurate when XXXX XXXX  XXXX can not do so with me and XXXX could not verify this account? It is the responsibility of the consumer reporting agencies to report 100 % accurate information over the FCRA and they have not done so. I am demanding that this account is deleted from my reports now!
Product: Mortgage

I had a mortgage with Ditech Holdings. They apparently went bankrupt in XXXX of 2019 and my mortgage was sold to another lender. I sent my XXXX payment to the new lender and it was returned. This cause my Ditech account to move to 30-59 days  past due. I called and figured out that I needed to send my XXXX payment to Ditech and did so. I was informed that since Ditech went bankrupt and the loan was sold, it was illegal for them to report to the credit bureaus unless the account was more than 90 days past due. I got everything squared away and have been paying the new lender. I then noticed that Ditech REPORTED to  the credit bureaus and my score dropped by 50 points. I immediately contacted them and demanded they remove the report. They added a " Remark '' but didn't remove the initial report to my credit. I've disputed with the credit bureaus, but they state Ditech will have to agree to remove the original report. I have called and emailed and they simply have not done it. I checked and it was ILLEGAL for them to have reported due to the fact that the loan was sold due to their bankruptcy. I have NEVER missed a payment for anything and am enraged by this illegal action that has negatively impacted my credit score/reports and my ability to obtain future credit!
Product: Credit reporting or other personal consumer reports

LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute inaccuracies in my credit report maintained by LexisNexis, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I request a thorough investigation into the following accounts and demand corrections where necessary to ensure compliance with federal regulations. 

Disputed Accounts XXXX. XXXX XXXX XXXX  Account Number : XXXX Credit Bureaus Reporting : XXXX, XXXX, XXXX Dispute Reason : The account status, balance, and remarks appear inaccurate. Please verify and correct any errors in accordance with FCRA guidelines. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Credit Bureaus Reporting : XXXX, XXXX, XXXX Dispute Reason : The account reflects a foreclosure/repossession, but I contest the accuracy of this information. Additionally, the account is marked both " Open '' and " Closed, '' which is contradictory. Please conduct a reinvestigation and provide validation.

Legal Basis for My Request Per 15 U.S.C. 1681s-2 ( a ) ( 1 ), credit reporting agencies must ensure the accuracy of consumer records. Incorrect or unverifiable data must be corrected or deleted. Additionally, XXXX v. XXXX ( 2012 ) reinforces the necessity for consumer reports to maintain verifiable and accurate information. 

I request that you investigate these accounts and provide written confirmation of the actions taken. If the disputed information can not be verified, I ask that it be removed from my report as required by law. 

Please send all correspondence regarding this matter to my mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your investigation within 30 days, as required under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all activity which is incorrect. 
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 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 Transunion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance
Product: Debt collection

This debt is over 7 years old. They sued and got a judgement. Which I filed a motion to set aside judgement. I have tried to settle the account but they refuse to remove from my report after we settle it.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. The late payment is inaccurate because the payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

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

I have never had a relationship with XXXX XXXX XXXX original creditor ). XXXX XXXX XXXX is reporting a collection account of {$1200.00}. I have contacted XXXX XXXX to inform them of a fraudulent account and was informed there is nothing they can do given that XXXX XXXX XXXX is collecting on this delinquent debt. I contacted XXXX XXXX XXXX  immediately following my call to XXXX XXXX. I was transferred to a voice mail and my call never returned after leaving detailed information. Equifax and XXXX  refuse to remove this fraudulent account from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received an email from PayPal with the subject line " You can no longer use PayPal. ( Ref ID - XXXX ) ''. Basically, the email stated that PayPal had identified certain risk factors with my account such that it could no longer do business with me. At that point ( and as of today, XX/XX/2021 XXXX, I had a balance in my account of {$1500.00}, funds received from clients for whom I do hourly work and that I used to make regular routine purchases for my cat supplies, XXXX XXXX XXXX account and various other sundry purchases. 

PayPal further announced that it had no obligation to explain the specific reasons for its steps and that it would hold my funds for 180 days and then notify me by email on how to transfer my funds. I immediately tried to transfer the funds on my account XXXX {$1500.00} XXXX to my linked XXXX XXXX checking account only to be asked to contact PayPal 's customer support. Attempts to contact their customer support department proved fruitless and I received no direct response from them in response to my demand for the immediate transfer of the funds on my account. 

My subsequent complaint to the XXXX XXXX XXXX about this practice was replied to by PayPal on or about XX/XX/2021 wherein PayPal basically restated what it had already told me and made no further efforts to resolve the dispute. 

I replied to the XXXX XXXX XXXX that, as far as I was concerned, the case was not resolved and that I would be contacting you for assistance.