23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received a letter in the ail about a bankruptcy, but I didnt pay much attention to it because my names were misspelled and I knew I had never filed for a bankruptcy so i just left it alone. In XXXX I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XXXX and I was denied once again, I was not understanding why so I finally ask the salesman to show me my report and I wish I would of done this a long time ago. I was furious to kn ow I had accounts opened under my name that i never opened and even more shocked when i saw the bankruptcies. I have never filed for bankruptcy in my life. The things I am reporting from my credit do not belong to me. Please remove these things fro my report as soon as possible. XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
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 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC continues to report that I owe them money for 2 accounts that I never had. I have sent letters of validation and they have yet to prove any validation for these debts. The dates these letters were sent, XX/XX/XXXX and XX/XX/XXXX 

I have disputed with the collection agency, as well as the credit bureaus. The credit bureaus are not doing their job, they are just allowing collection companies to say that these debts are validated and verified with no proof. 

These are the same credit bureaus that have compromised my personal information by selling it to people or not having an adequate security system to protect my information. The credit bureaus have already agreed that my information has been compromised, but still allows collection companies to report that I owe them money on bogus accounts. 

LVNV FUNDING LLC is in violation of my rights, because they are reporting and updating on a debt that they can not validate is even my debt. They also have called my phone numerous times after being told to stop calling and they have called before XXXX and after XXXX at times. 

They are also selling this bogus debt to other companies and they are harrassing me now. Then when I call the companies to verify and validate this information, they say that LVNV FUNDING LLC has taken the account back. 

Also, I am disputing the original debtors as well because I did not open the accounts and they have it showing as a charge off. 

The balances on these accounts are {$1100.00} and {$1000.00} last update was XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To make a long story short, we bought the discounted XXXX night vacation card from XXXX XXXX and committed to a XXXX XXXX presentation to receive the gift. The presentation was with XXXX Vacations and was supposed to be a quick XXXX XXXX no pressure presentation. We went to the presentation in XXXX XXXX on XX/XX/year>. We were kept in a meeting room with sales personnel for XXXX XXXX, bribed with food, belittled and lied to over and over by sales personnel that would not take no for an answer. We were pressured and told we HAVE to do this for our kids. When we finally submitted to their ridiculous ongoing tactics, we were put into a room to sign paperwork. We were told we have to go through a " read aloud '' and speak loudly and answer with " I agree '' to all statements and if we had questions, we can ask them after the recording. We were NOT shown required paperwork regarding the XXXX XXXX XXXX that they had us sign documents saying we were shown and understood. We also did NOT receive any notarized paperwork or deeds regarding the timeshare. The sales rep we worked with did NOT have a realtor license ad did NOT provide a last name. The tactic they used to pressure us are illegal. The contract was entered into based off of fraudulent information and tactics and by law is not a viable contract. The company has been given mounds of evidence to prove our claim and has not cooperated an has not condemned the tactics of their sales personnel. We now have a mortgage loan over {$35000.00} for a timeshare we have tried multiple times to use since we were bribed and conned into signing the paperwork and nothing is ever available. It is not worth continuing to pay for something that is not what it truly is. We have contacted other authorities and submitted complaints as well.
Product: Credit card or prepaid card

On XX/XX/XXXX, and XX/XX/XXXX I referred two of my friends to open Amex XXXX Aspire cards for the promotion of Member Get Member Bonus XXXX points. It takes 2 months and I called Amex at least 5 times, they kept telling me I will receive points in following statements, but, I receive none of them.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( XXXX ). 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 XXXX funds Transfer Act. ( XXXX ) and Regulations E.The actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I want to inform you that I have been of victim of identity theft, and my information was used to open fraudulent accounts ( loans ). 
Identify items are resulting from the identity theft that and they must be blocked or deleted from my credit reports. According 605B of the Fair Credit Reporting Act. 

XXXX XXXX XXXX Account XXXX Balance {$40000.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Total fraudulent amount : {$39000.00}
Product: Credit card

I bought a pair of jeans at j c penny on XXXX XXXX and they asked me if I wanted to apply for a credit card. I said NO. on XXXX XXXX, I was notified I had a hard hit on my credit because I applied for a credit card at XXXX. I called them and dispusted it, XXXX XXXX is looking into it. Then I called the main store directly and was told the employees get perks for having people apply for credit cards. I want this hard hit off my credit and that person fired and charged with fraud. Completely illegal and wrong. I have a witness and receipt. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account on XX/XX/2020 and it now XX/XX/2020. It was with XXXX XXXX and account number XXXX. It has been over 30 days since I disputed this last and they have fail to respond. I had also disputed this account numerous times for different reasons in XXXX, XXXX, and XXXX and both Experian and the creditor failed to put the notice of dispute within 30 days from the first dispute which is a violation under the FCRA 623 and FDCPA 806 ( b ). It's abundantly clear that the information was not entered and  therefore, the account can not report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pull my credit and I never authorize or done any business with these people. 

Another company did the same thing post inquiry XXXX and XXXX XXXX. I called talked to someone and these companies and also called Experian they told me they dont take off inquiries these are mine I was removed off my credit.
Product: Checking or savings account

On XX/XX/XXXX, I received unsolicited e-mail addressing me by my first name from Chime Bank welcoming me to their bank and letting me know that I will be receiving a debit card from them. 

I did not open an account with Chime Bank, so I searched for a way to speak with someone from the bank to resolve the issue. Calling their ( XXXX ) XXXX number was a dead end, all it did was refer me to an e-mail XXXX XXXX XX/XX/XXXX, I e-mailed XXXX stating that a bank account had been fraudulently opened in my name. I requested the account be closed, and their fraud department alerted. I gave them my phone number for them to call me to resolve this issue. 

On XX/XX/XXXX, I received an e-mail from XXXX : " Thank you for providing that information and letting us know you did not open this account. We have launched an investigation into this matter. We have blocked the account, which will prevent the account from being accessed by an unauthorized party using your personal information in the future. 

In order to formally close this account, we ask that you please provide the following pieces of information to verify your identity. 

Your primary government-issued photo ID ( such as a Drivers License or State ID card ). Please send a copy of both the front and the back of your ID. 

For security purposes, please provide a photo of yourself holding your ID card We will not be able to close this account until your identity has been verified. 

Please reply directly to this message and attach the requested items. All documents must be sent in JPG, JPEG, or PDF format ( we do not accept PNG, XXXX XXXX Files or other document formats. ) Kind regards, ******* | Chime Support. 
Chime Member Services '' I do not feel I should have to send them a copy of my ID and a photo of me holding my ID card to close a fraudulently opened account, especially over unsecure e-mail. How do I know what this bank will do with this information? Up to this point, I don't know if they have my full name, address, etc. If I send this information over unsecure e-mail, it may be intercepted by criminals. 

On XX/XX/XXXX, I replied to the above e-mail : Hello *******, I do not want to send personal information ( government ID card ) unsecure over e-mail. Isn't there a phone number I can call to get this resolved? 

Regards, XXXX As of XX/XX/XXXX, I have not received any reply to the above. 

There should be a way to close the account without having to potentially expose my personal information to criminals.
Product: Debt collection

Im a simple person I do simple things Im from XXXX XXXX I didnt go to college, credit was not a priority in my life, until I saw a commercial capital one, I t seemed like thee American dream, and they were allowing me a chance to partake. {$130.00}, I paid my balance off in full every I had no checking account so I sent my payment through United States Postal Service overnight so they would have to sign for it in order to receive it I sent it to the to the address in which I was told to send it they said they didnt receive the payment but the post office sign Ihave them sign for it, they claimed they didnt receive the money order. Cliff note version, I spoke with several managers I submitted copy of the of the postal order tracking number when it was delivered, etc. The money was credit back to my as card. This was through the mail couple weeks later yet again, they take it I check the address given to me by capital one its good..I mailed it in I emailed it I faxed it I wrote in a letter with everything happening I spoke to countless managers and they told me they could fix it and it will be taken care of but the very next month there is the charge again I take it off they put it on take it off put it on etc. this goes on for maybe for five months before I am so tired and fed up I get the same song and dance from all of them the only thing that really hurt me is that like I I thought I was gon na have the American dream and they destroyed my credit I never knew I would care but it hurt me in every aspect from an apartment to a car to even a jobCredit is everything and when they destroy it for something that you did nothing wrong who is the fight for me who helps me I was XXXX for two years living in my van friends house to friends house this is what happens when a big corporation destroy what little credit you have theres so much more detail I just dont have the heart to share anymore disappointment because I cant afford to pay them these that they tacked on when I asked him to cut the card off charges they allowed to happen that I didnt even make it went from $ XXXX {$990.00} last thing I bought shouldve brought my total balance to XXXX maybe but its XXXX how do I pay that
Product: Checking or savings account

On XX/XX/XXXX I received a text from SCHWAB Visa Debit card that my card was used in XXXX XXXX for {$1.00}. A minute later another text that my XXXX debit card was used for {$430.00}. and another text if I authorized this transaction Yes or No. I replied NO. Right away I called Schwab and reported these transactions. SCHWAB canceled my Debit Visa. 

I only had {$300.00} in my checking account, the fraudulent charge was for a larger amount and I noticed that SCHWAB transfer additional money to cover the charge from my brokerage account. 

On XX/XX/XXXX I called SCHWAB and asked if they are going to revert the charges. They said they are investigating the case and don't know. Depending on the investigation the decision will be made once the investigation is completed. 
In the meantime, I have no cash left in my checking and brokerage account. 

Why can they allow fraudulent charges to clean my account and not fund my account? I did not make these charges, The cards are in my possession and I clearly have not authorized the charge by promptly replying to Schwab 's text.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a complaint here with the CFPB against TransUnion for unauthorized hard inquiries on my credit report. Transunion responded saying that they couldn't find documentation they also mailed a letter detailing what items I needed to send in order to fix this matter I have sent over every document they requested and I have made several follow up phone calls yet they refuse to update my report with the removal of those inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit report I observed an address and a account that is on my reports that are not mine. I have been victimized by identity theft and I would appreciate it if you would assist me in the removal of this account.
Product: Credit reporting or other personal consumer reports

I have been subjected to identity theft and these following inquiries appearing on my credit reports from all XXXX bureaus does not belong to me. I have also attached my FTC report for more details. Kindly remove these inquiries asap as my credit is being Impacted pretty badly due these. 

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: Debt collection

We had service with XXXX XXXX for over a decade. Our HOA changed to XXXX XXXX so we called XXXX  and canceled service. We called their XXXX number and spoke with them and was told the account was cancelled. We have always paid with an automatic debit on our CC. After cancelling our credit card was charged again. We contacted XXXX for a second time and cancelled. We were again told by the customer service that the account would be cancelled and no further charges would be made. They said they had no record of the first phone call. The next month rolled around and they charge our CC again. We called them a third time and told them that this was fraud and it was not okay to continue to charge our card. We told them to make sure the account was cancelled and we would be contacting our CC company to report the second charge as fraud. We sent the info to our CC company and they denied the second charge. We heard nothing more from XXXX about the matter. We then get a letter from a Collection agency saying we owe XXXX. We contacted the agency and they said they could do nothing and to take it up with XXXX. I have spent over an hour on the phone today and gotten nowhere. They say they have no records of our phone calls to cancel and the charge is valid. They said if I can't produce days and times of our calls they can't do anything. This is how loyal customers of over a decade are treated. They conveniently have no record our calls.
Product: Prepaid card

i was sent a American Express gift card for XXXX from my father for XXXX i tried to use it at XXXX both items i ordered were under the XXXX limit. it was denied over XXXX times. when i caleed am ex they were very rude and said they couldnt do anything because XXXX put a hold on it. When i called XXXX they told me that it was american express who had the hold on card so i cancelled all orders with XXXX now am ex refuses to refund the money to my card i would like my money refunded for the fact i couldnt use the card
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays B ank made an error in paying  XXXX   XXXX . They paid it twice.  XXXX   XXXX  receiv ed two  times what they were supposed to be paid.   I wan t Barclay ' s Bank to take back the {$3600. 00} ( ex cess money ) from  XXXX   XXXX  and return it to my account.    XXXX   XXXX  is willing to return the money but  Barclay 's Ba nk is blocking the transactio n. Insteal,    XXXX   XXXX  has sent me a check for the amount of {$3600.00 } ( amoun t owed. ) I do not want  XXXX   XXXX  to make a reimbursement by sending a check directly to me.   A check from  XXXX   XXXX  deposited into the bank creates the appearance of extra income.  <P/> I want t the excess mo ney ( {$3600.00} ) wired directly to Barclays Ban k, the same way that it was originally sent to  XXXX   XXXX .   Whenever I called they assure me that my case we nt to the executive  office and my problem is fixed. That it will take time to update it. But it has not been updated. I still owe more tha n the 6,000.00 (  special checks w ith the 0 per  cent interest until next year in  XXXX    XXXX   ). my loan amount limit from  Barclay is  {$6000.00}. Presently since yesterday  XXXX  I owe the ba  nk Barclay close to {$10000.00}.
<P/>  We have spoke  in a three way telephone conversation and they told me that it is not possible to fix the amount in question and it was not going to be returned to Barclays Credit Company. Barclay does not allow that payment back.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

3. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX XXXXXXXX  Account Number : XXXX** This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

6. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX** This is not mine.

7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XXXX This is not mine.
Product: Mortgage

We initially started a refinance with our current Lender, Freedom Mortgage. After receiving the rates, we decided to go with another Lender. We are at the final stages of completing the new loan transaction and paying off the Freedom Mortgage Loan, and require a " payoff statement '' from Freedom Mortgage. Unfortunately, this process is being held up because Freedom Mortgage refused to give it to our new Lender sighting " we were working with them still ''. Since that is n't true, we wrote a letter indicating we were no longer working with Freedom and instead, we are working with XXXX XXXX. 

Even after providing this letter ( which Freedom Mortgage required ), our new Lender has not been able to obtain a payoff. I ( XXXX XXXX ), then contacted Freedom Mortgage personally, in another attempt to obtain the payoff. I was told by the frontline representative that it will take two ( 2 ) weeks to mail it, which is unacceptable. They 've had ample time to order the figures if need me, so that it can be ready for us to have in-hand. After asking to esclate my request, I was then connected with a manager who stated that they might be able to have it ready and fax it to XXXX, but there were no guarentees. As you can understand, every day this take longer, I 'm being charged additional interest at a higher rate, than if my loan was with XXXX, so it 's important to me to get the payoff statement quickly, so that we can move forward. I 'd like to understand what Freedom 's timeline is for providing a payoff? Waiting two weeks or to be told " I might be able to get to you '', seems like a bad busines practice. I checked Freedom 's website, and all though it 's covered with informaiton on how to refinance with them, there 's not even an option for me to electronically order one ( an option most servicers provide ). By not processing these statements quicker, it seems like a stall tactic so that you can continue to charge me interest at a higher rate, and to try and pursuade me to do business with you only. My request is that you ( 1 ) Provide a payoff statement ASAP directly to XXXX via fax @ XXXX attention XXXX XXXX and to ( 2 ) please help me understand how your only option for provding a payoff statement is through snail mail, which can take up two ( 2 ) weeks to order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.