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

The Chase bank sent me an invitation to apply for " Chase Slate Edge Visa Platinum '' credit card. I applied using the invitation reference number on XX/XX/2021. XXXX XXXX XXXX XXXX XXXX XXXX, I received a call from a Chase representative to verify my identity. I did that and provided every details and information that they wanted from myside. The representative told me I should wait for the other department to make a decision regarding my application. 
On XX/XX/2021, I received a letter from Chase which is dated for " XX/XX/2021 '' and ask me to call the number XXXX within 14 days to again verifying my identity! I called the number as soon as I got the letter and after more than one hour staying on the line to talk to a specialist to verify my identity, no one assigned to my call! 
This is so disappointing, they sent me the invitation and said " You Are Preselected '' then called and verified my identity then again asked me to call and after more than one hour waiting on the line, no one answered my call.
Product: Money transfer, virtual currency, or money service

I am a victim of pushed authorized scam. Money ( XXXX, XXXX USD ) were wired to a bank in XXXX XXXX XXXX on XX/XX/2023 at XXXX XXXX. The scammer overtook my account made me believe that I am with an agent from BOA/FBI Fraud anti-terrorists department who was helping me to " safe '' my money in an " US Credit Department XXXX Account '' . 
I contacted BOA in 1 hour and 13 minutes, after the transfer asking for the transfer to be canceled. My account was frozen and the transfer was put " on hold '' for 24 hours according to the bank fraud department representative in Texas. A recall request under case # XXXX has been created and I have been assured that a XXXX was sent out to the beneficiary bank in XXXX XXXX which is a scammer 's bank account I have nothing to do with. 
I have been told to wait 24-48 hours for a resolution. 
At XXXX on XX/XX/2023 I called BOA customer service and asked the transfer of the money from my saving account to the checking account to be canceled. The representative told me that they can not do it neither I. 
After 48 hours I contacted the Fraud Department of BOA in Texas again at XXXX on XX/XX/2023. 
A new claim was filed under case XXXX and a XXXX # XXXX provided. Scam Victim Acknowledgment was signed by me and returned to BOA on XX/XX/2023 ( attached ). 
I contacted the Fraud Department of BOA after 45 days on XX/XX/2023 at XXXX. The representative informed me that the investigational analyst from BOA did not sign the investigation report yet, but I would receive the resolution shorthly. 
On XX/XX/2023 I sent an e-mail to the BOA asking for an update on the case. 
No response was provided. On XX/XX/XXXX it would be 90 days after second claim had been filled. I have no any information about the case and no money have been recovered. 

On XX/XX/XXXX I contacted the foreign bank by myself, but they told me that they need a court decision. 
The money wired on XX/XX/XXXX, had been available to the beneficier on XX/XX/XXXX for pick up. I contacted BOA fraud department on XX/XX/XXXX and alarmed them that if no action was taken the money will be picked up. However, I have been told that BOA Fraud Department will be closed on XX/XX/XXXX and nothing can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 MAJOR CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ) are mistakenly reporting a balance on an account on my credit. The name of the account is " XXXX XXXX  ''. Due to this inaccuracy and my multiple attempts of trying to get this rectified, it is unlawful to continue reporting such account. please delete.
Product: Debt collection

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Product: Debt collection

I have never signed a HIPPA release form with the following alleged creditors : The law office of Mitchell D. Bluhm & associates , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX Texas. Therefore they are in accurate and HIPPA violations. I want these immediately deleted. HIPPA laws protect my personal medical information from being used without my consent and you are now aware of these HIPPA violations. Delete immediately. Thank you.
Product: Credit reporting or other personal consumer reports

We got a mortgage with XXXX XXXXXXXX XXXX  in the summer of XXXX. They reported us as having missed the XX/XX/XXXX and XX/XX/XXXX payments even though we did not, and they had assured us they wouldn't report us as late until they resolved thier internal investigation. We had provided them with proof of payment as well as bank statements showing payments were made. XXXX months later XXXX told us they sent letters to all three credit agencies to repair the mistake. XXXX corrected it, but XXXX and Experian will not. I have filed multiple disputes with both, including providing all documentation and they will not correct the error. I have tried to talk with someone at both agencies but get the run around. We are at a year now that this issue has been unresolved and are at our wits end knowing we were wronged but can not get anyone to fix our credit! This is criplling our borrowing power or ability to refinance our house and needs to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting proof of ownership. I did not sign off on this loan. This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I was forced to pay off this account because I was getting a mortgage. I have yet to recoup my funds and on top of that American Credit does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing doe not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Prepaid card

Good afternoon, Today I received 4 CashApp debit cards in the mail. I did not request any of these cards and called the CashApp phone number ( XXXX ) to report these fraudulent cards. The representative ( XXXX ) that I spoke with was hostile over the phone and informed me the only way to report these cards was for her to send me an email with a link that I would need to follow to report the cards. I did not feel comfortable opening a link from a company that I had already received fraudulent material from and asked her if I could speak with a supervisor. She said no to this request and informed me that sending an email with a link was my only option. I do not feel comfortable with that option and I am submitting this complaint as a result. 

I appreciate your help with this matter. 

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

in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX OF XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights XXXX 

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

I sent a dispute letter to Experian pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Product: Student loan

I was affected by the XXXX XXXX crash and I have a lot of student debt the funny thing is when I signed up to go to school there I was told I would receive my XXXX That never happened, they told me I did not need one as I had tha ability to benefit. Needless to say I have a lot of private loan debt, the federal loans are being discharged but upon me leaving the college they had me sign paperwork for a private loan telling me it was a grant. It was not until later I found out I signed for a private loan at an extraordinary interest rate. The school when I left dispersed the private loan to a government subsidies loan leaving a large amount of debt that has caused financial hardship since. I have had to file numerous bankruptcys so that the collections would not eat my paycheck. As the payments were set by the bankruptcy court. I never had knowledge of what I did until it was to late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There 's several names that are fraudulent on my account that I 've never used and I 've asked them to be removed with no resolve. I have even sent in a letter that displays a copy of my driver 's license that was notarized and it still has not been removed! I am tired of this incorrect data being reported.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Dispute of Unauthorized Accounts and Inquiries Due to Identity Theft I am writing to formally dispute the validity of accounts and inquiries on my credit report that were made without my authorization due to identity theft. At no point have I applied for or authorized loans or credit inquiries with the following companies 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 Additionally, I did not authorize Loan account with XXXXXXXX XXXX XXXX  , under Account Number : XXXX. Amount : {$1100.00} I have previously requested from XXXX XXXX XXXX a full validation of this debt and copies of the original application, loan terms, and any signed documents that bear my signature. Despite my providing all required identification and following up through certified mail, the company has failed to respond with proof or documentation of my authorization. I, therefore, request the IMMEDIATE REMOVAL OF THIS ACCOUNT. 
Furthermore, as I currently have an active fraud alert, it is concerning that these inquiries were made without verification of my identity. I am requesting the removal of each unauthorized inquiry and account from my credit report and verification records. 
Enclosed are copies of certified mail receipts and previous communications with XXXX XXXX XXXX as evidence of my attempts to resolve this matter.

Thank you for your attention to this urgent issue. I expect prompt action to correct my credit record, remove the unauthorized accounts and inquiries, and ensure that my personal information is safeguarded. 
Sincerely,
Product: Credit card or prepaid card

American Express has a promotion for their Every Day card for 0 % interest for 15 months and zero balance transfer fee. No where in the marketing, application process or card member agreement is it stated that there is a {$5000.00} total balance transfer limit. Consumers only find out about the limit when the try to transfer a balance ; after a hard inquiry on their credit report and after being approved. I would not have applied for the card had I known there was a limit and now there is nothing I can do to reverse the hard inquiry on my credit report which has a negative impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act ( FCRA ) and how it is reporting my credit information.

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee nor did I express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my personal credit information from public records which they are not in compliance with the Fair Credit Reporting Act.

Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information.
Product: Credit card or prepaid card

The state of Oklahoma issued tax refunds via Way2Go debit cards. For my return they sent two cards. One in my wife 's name and one in mine.

Cards were not valid until dialing in and selecting a PIN.

The included fee schedule indicates that they will charge {$0.00} per Customer Service fee after two free calls per month. Immediately after activating both cards my balance was reduced by {$0.00}. When I tried to charge the exact dollar amount/balance indicated by their system upon activation, the card was declined for insufficient funds. When I called to find out why my the account was again debited by {$0.00}. There is no option within the automated menu structure to speak directly to an agent. Apparently this is done to get you to continually call back and try to work your way thru their menu to find the correct combination. Each time a client does so they are able to charge them another {$0.00}.

I finally got the combination right by selecting the option to report a lost or stolen card. After you get thru the menu and are transferred to hold for an agent the line goes silent. You don't know if you are on hold or disconnected except by watching the call timer. I never did get to speak to an agent. No one ever answered.

Eventually I determine that I could charge the account for slightly less than the stated amount and was able to use what was left on the card. In this case a {$110.00} refund ended up netting me {$100.00}.

This is not about the amount. This complaint is being lodged because the State of OK and its vendor for tax returns are using predatory practices to bilk taxpayers out of their right returns by not simply issuing tax return checks. 

All this occurred on XX/XX/2020 The account numbers involved are : XXXX XXXX The ONLY customer service number is XXXX Website is WWW.GoProgram.com
Product: Credit reporting or other personal consumer reports

I have found incomplete and inaccurate reporting on these accounts that I have listed in the letter. I am writing to dispute the following information that your company supplied to TransUnion.
Product: Debt collection

A place of harassment by the name of XXXX XXXX keeps calling and threatening me about a bill from " XXXX ''. Often times when they call, no one says anything and then the line disconnects. For the record, I paid XXXX in full due to their disrespectful customer service reps. I don't owe XXXXSecurity Credit ServicesXXXX ANYTHING and I am tired of the harassing calls and mail.
Product: Credit reporting or other personal consumer reports

The credit reporting agency was wrongfully updated with information that does not reflect my trustworthiness. The information provided has deemed my character as one who is unreliable and one having no true credit managing abilities. However, on the federal act, it is incumbent upon each company and entities to report accurate information, with the utmost true. I have been diligently paying my credit obligations, with honesty and great upwardness.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX Balance Owed : {$1700.00}
Product: Debt collection

I WAS SERVED A JUDGMENT FOR A CAR LOAN THAT I COULDN'T AFFORD ANYMORE AND LOBEL FINANCIAL HAS BEEN GARNISHING MY WAGES CLAIMING I OWE {$11000.00}. THIS HAS CAUSED ME A HARDSHIP WITH MY JOB AND STRESS WITHIN MY FAMILY.