23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I did not see the terms of the loan until I had completed the process and was in the process of signing. I will be charged 900 % in interest for an {$800.00} loan. If I make all of the payments, I will end up paying over {$6000.00}.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XX/XX/XXXX Hello.. I had been a member of chase for XXXX  year and so, I get done With my IRS, My tax payer provides me My Return tax Check Which Is from XXXX XXXX By XXXX and The amount Is XXXX $ As soon as I receive It I go Into The Chase app And Virtually deposit my check, After a day gone my account was put on Restricted And they told me that They try and call the number on the check and They dont answer as If they verified It already. I give al call back to XXXX XXXX and their response was. They called In the next day In the morning Soon as XXXX am and Verified the check, I had a whole situation Where I had XXXX XXXX on the phone And tried to Put chase On a three way and all They could say Is that They cant be put on a phone call with somebody else It's Their policy, I Went to the chase bank branches for the next 3 weeks at least once a day to speak to a different Manager or Member so My issue could be resolved and all there was To It, All I had was the same answer over and over, Chase responses to this was, XXXX XXXX Is not registered In their system and can not get In touch With them, as If the company was fake, At least 1 Member told me that theyve seen check from XXXX been verified for different customers and never had issues, I even had XXXX appointments With my tax maker and chase and could still not Get any responses, I couldnt even get the check back, they would not provide me my check back, My account closed, Couldnt Create another one and My business with chase was over and still have not got back my IRS Funds
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a letter from XXXX XXXX and XXXX informing me that my personal data had been breached. There's no telling when this breach first occurred but as a result my name, social security number and address were compromised. On XX/XX/year> I noticed the following fraudulent account on my Experian credit report ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX ) I filed an Identity Theft Report with the FTC and forwarded this report to Experian on XXXX making them aware of this fraudulent activity. I asked them to immediately remove this account under the Fair Credit Reporting Act ( FCRA ) and also under 18 U.S. Code 1341 ( Frauds and Swindles ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

XX/XX/year> - I sent notarized letters to Citibank about a collection that was placed on my credit report. I sent them a police report showing that my social security card, several credit cards and my drivers license were stolen from my home. These items were used to open several loan accounts in my name, my Citibank card was used to make purchases that I did not approve of. 
XX/XX/year> - The company replied via mail saying that they could not remove the debt from my credit report- though I am a victim of theft and identity theft. I requested that they send me copies of all purchases made with the card along with signatures as well. I have yet to get a response from them.
Product: Debt collection

Pay Pal credit keeps contacting me regarding a debt I did not incur. I NEVER OPENED NOR EVER HAD ANY PAY PAL ACCOUNTS. I keep conveying this information to them, but I keep being contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agencies are reporting inaccurate information and I tried numerous times by having both items blocked or removed. I havent received any information pertaining these two items. These two accounts has hindered me and a very uncomfortable way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have failed to clear inquiries related to fraud/identity theft on my Credit report that I have reached out to them twice with via certified mail over 30 days ago. I sent out certified mail to both bureaus in the month of XXXX, and XXXX to which they fail to notify me of results regarding my findings as well as refuse to respond to me. According to the FCRA Transunion and XXXX if they can not verify the inquiries where they came from where they have my authorization pertaining to my signature along with me stating authorized approval for these credit pulls they aren't allowed to hold these on my report. I will attach the following documentation that was sent to these bureaus below but it has also been over 30 days since either bureau has responded or got back to me and I am in the process of going for a home loan which this is severely hurting my credit. There has been over 5 unauthorized pulls on both these bureaus off my credit which weren't me I sent documents stating and proving it was identity/theft fraud and both these bureaus fail to get back to me and provide substantial evidence if so that these belong to me. I need the CFPB help in removing these fraudulent inquiries so that I can go for this mortgage loan that I am applying for because not only is it severely hurting my credit there is no factual evidence tying me to these inquiries and it wasn't me.
Product: Mortgage

We have requested Covid 19 help and got approval from Carrington mortgage. Just to find out that the company is doing nothing for us. They have posted bad credit for us also. This is wrong!!! Carrington does not follow financial legal practices. We have called in many times for help. Carrington always says they will help with given current pandemic and has damaged our credit. Congress is funding them and they are not helping people. We have sent in all requested information multiple times with no help!!! Carrington seems to misplace a lot of documents just to request them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Checking or savings account

Around XX/XX/year> I disputed a transaction with Ally Bank regarding a charge for {$89.00} assessed to my XXXX XXXX XXXX  Account by the merchant XXXX XXXX as this merchant never sent the merchandise. Ally bank made me wait about XXXX calendar days only to tell me they sided with the fraudulent company. Ally Bank informed me that I would have to reopen my claim, which I did in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the inaccurately reported accounts on my credit report immediately. It is essential to do this promptly as these errors are affecting my creditworthiness. These inaccurate accounts have been flagged for removal at my request. The bureau must act to update my credit report and eliminate these false entries.
Product: Credit card or prepaid card

Credit account opened rsulating in late payments reported to my credit that I have no knowledge of This is affecting me as I just finished fixing my credit I need this account closed and removed from my credit report asap. Please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never resided at the address shown on my credit report - XXXX XXXX XXXX XXXX XXXX, KS XXXX. 
Please remove from my credit report.
Product: Debt collection

This compnay put something in my credit report, they have never notified me or sent me information till I filed a case with this government agency that did nothing. I spoke with an attorney which advised this company isnt even bonded in Illinios. They have have never sent me any documents advising me of this before putting on my credit report. They are also charging me monthly fees on the credit report which I was also advised they cant do.
Product: Credit reporting or other personal consumer reports

in accordance with the FCRA ( Fair Credit Reporting Act convergent account XXXX XXXXXXXX has violated my rights. 
15 U.S. code 1631 ( 2 ) ( 41 ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.

15 USC 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX, *** has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : a CREDITOR MAY not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/2022 Online Info Services Called my Phone requesting to verify personal information such as First and Last name, address and Social Security. I have never done business with Online Information Services for them to ask such questions. I believe they were a third party debt collector facilitating a debt for another 's behalf. I called the company to resolve the matter but the company insisted they send me a dispute packet due to their company policy. When I asked them if they where FCRA compliant the company responded the packet would need to be filled out and returned with a identity theft police report before they could open a dispute. In many ways I believe my consumer rights, protected by Federal Law has been violated. I have attached a FTC Identity Theft Report number ( XXXX ) along with a debt validation letter.
Product: Credit card or prepaid card

yes this creditor closed this account due to one or two return checks. Which isn't right. then set up payment option but fell behind. I had deaths in family and want to reset up payment option. Try to contact with no avail. Yet they been friendly and helpful at times.
Product: Credit card or prepaid card

I applied for a credit card through XXXX, serviced by USBank. I was  approved for the credit card, but it never came in the mail. Then I got a bill for charges made with the card. I filed a fraud claim for all charges on the card, considering I could not have made any purchases with the card because it never came. The initial claim was on XX/XX/2020. I was assured the charges would be removed from my account, and I also closed the account. Starting in XXXX, I have received weekly emails about past due bills on the card. I have called USBank weekly trying to get them to remove the charges. The charges still have not been removed despite my weekly calling USBank and them assuring me it would be taken care of. The amount I am being held responsible for is {$44.00}.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of this information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is : XXXX XXXX XXXXXXXX. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.
Product: Credit reporting or other personal consumer reports

Please provide my original signature and other documents so I can review them and see if these accounts are mine.
Product: Mortgage

I have a mortgage with Wells Fargo. Wells Fargos online banking service keep giving an error message Were unable to complete your request when I try to add a new XXXX XXXX checking account to pay this mortgage. 

I believe this is anti-competitive and I believe I should be allowed to pay the mortgage using any checking account I like to use.
Product: Credit card

I have been banking with Bank of America for more than XXXX years and had no issues with them until recently. Several years ago, they enticed me into signing up for a preferred debit card. They explained to me that this card could be used as a credit and debit. When I would use the card to purchase items, some stores would swipe it as a credit card and I did not have to enter my PIN as they say they were not equipped to use it as debit. I thought that I had no other credit card with the Bank as it was a part of the XXXX card. In XX/XX/XXXX when XXXX XXXX through XXXX of its subsidiary, XXXX was charging {$29.00} to the card ending in XXXX, the Bank was automatically doing a direct debit from my account. When I reviewed statements, and only saw a direct debit payable to FIA Card Services, I thought it was the amounts which were charged to my card when the stores could not debit it. Since I did not anticipate charges on any other card, I did not question the bank as I trusted them. I do n't recall authorizing the Bank of America to debit from my debit account any amounts from a credit card ending in XXXX. I do n't understand how this happened. When I discovered a scam on my debit card in XX/XX/XXXX I went to the branch of Bank of America at the corner of XXXX XXXX and XXXX. I cancelled my debit card and asked the manager, XXXX for a payoff amount to pay off the outstanding amount on the debit card. The manager told me that there was a separate card out there that only a XXXX was charging {$29.00} a month to since XX/XX/XXXX. I could not believe it and immediately called XXXX and the Bank 's fraud department and everyone to help me straighten it out. XXXX XXXX XXXX XXXX XXXX returned XXXX of the charged to the account and approximately XXXX are outstanding. I spoke with many managers and customer service representatives of the Bank and they say they can not help me. Their fraud department said it is not fraud. If it is not, they must be in concert with XXXX or XXXX. I requested an account of all charges ( what items were purchased ) for the amount that the Bank say is outstanding on the card ending in XXXX and to date the Bank have not provided me with that. The last person I spoke with at the branch bank, XXXX said that the Bank of America and the credit card division is separate entity and they can not help with them even though it is someone at the branch bank who signed me up for the card ending in XXXX. I do n't understand what is going on, but please have the Bank go after XXXX for whatever they claim is owed to them. They keep on harassing me for payment. The Federal Consumer Protection Agency and FTC said that the FTC have a settlement claim against XXXX and Bank of America, yet Bank of America refuses to give the form the Federal Consumer Protection Agency instructed me to get from them.
Product: Credit reporting or other personal consumer reports

Last year in XXXX, I had a business credit card with Chase bank, that accumulated over {>= $1,000,000} points which was the equivalent to {$21000.00} in rewards. The bank confiscated all XXXX points and closed the account. After initiating an investigation Chase reinstated my XXXX XXXX points and returned the {$21000.00} that was confiscated. Without any notice, and no outstanding debt owed to Chase ( the account was current and had a {$0.00} balance ) Chase reported a 60 day late payment to all credit bureau 's, which has severely impacted my credit. This is inaccurate reporting as there was never a late payment, no notices sent about any said late payment and they card was less than 6 months old and closed with a {$0.00} balance. 

I have spent numerous hours trying to speak to someone at Chase bank and no one is willing to give any information or their names or employee ID numbers. My credit went from XXXX to XXXX. 

Due to the inaccurate reporting of a late payment, and failure to provide any notice, I'm requesting the falsely made late payment mark be removed from my credit report.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my FOURTH NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im a victim of identity thief they got my credit card information and used it when I found out i call the company and they still wanted me to pay the bills which I was because they were giving me a headache when I made most of the payment they closed the account I try my best to get the account open back they wouldnt so I asked why Im I paying for something I didnt use and the money kept going up
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO THE FCRA I DON'T RECOGNIZE THIS ITEM THERE FORE, THEY NEED TO BE REMOVED/DELETED FROM MY CREDIT REPORT DELETE THESE INQUIRY XXXX XXXX XXXX ( REMOVE/DELETE FROM CREDIT REPORT ) THESE HARD INQUIRIES I DID NOT AUTHORIZE THESE HARD INQURIES, THIS IS DUE TO FRAUD AND IDENTITY THEFT! ACCORDING TO THE FCRA I HAVE RIGHTS PLEASE REMOVE THESE OFF MY CREDIT REPORT IMMEDIATELY
Product: Money transfer, virtual currency, or money service

XXXX  I made a payment in the amount of USD XXXX from my XXXX account to the account of XXXX XXXX XXXX , XXXX under contract No. XXXX, opened in XXXX XXXX XXXX  XXXX. JPMorgan Chase was an intermediary bank in this chain. On XX/XX/, XXXX was appointed in accordance with Presidential Decree No. 14024. Given this, my payment must be blocked by an intermediary bank in accordance with the rules of US sanctions. To unblock a payment, I need to apply for a specific license with OFAC. We contacted OFAC and received a response : This is in reply to your request of XX/XX/. We can not locate a record of the funds described in your correspondence as being blocked. Please contact the bank that blocked funds to verify a blocking has occurred and that information regarding the blocking has been sent to the Office of Foreign Assets Control ( OFAC ) Compliance Division as required. The OFAC Compliance Division may be reached by phone at ( XXXX ) XXXX or XXXX and by mail at the address above. 
However, JP Morgan Chase has not yet blocked the payment and has not informed the sending bank about the freezing measures. We tried to contact JP Morgan Chase Bank via XXXX from XXXX with a request to clarify whether the payment was blocked and what was reported to OFAC and when. However, JP Morgan Chase did not respond. The bank that blocked the payment is JPMORGAN CHASE BANK. XXXX XXXX  did not fulfill the terms of delivery due to blocking. We ask you to unblock the funds and return them to the specified details : Beneficiary 's bank : XXXX, XXXX XXXX, Beneficiary account XXXX, Correspondent Bank of XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX In the XXXX  and attachment, the response from OFAC
Product: Credit reporting or other personal consumer reports

When Checking credit report I have been made aware from companies that there is a charge off balance on my account that is closed. I have reached out many of times to this company asking for the original signed contract not a copy, Truth and lending statement, and Validation of this charge off amount. No one ever responded. No one can find my information via phone as well as no response to letters sent. I did not consent for the credit bureaus to report this information on my credit report casuing me to miss out on business opportunities from various banks, This is a violation. 15 usc 1681a2, I did not give authorization or permission for XXXX, Equifax or XXXX to furnish this account on my credit report. I am requesting it be removed and pay damages of XXXX each credit bureau for this violation made out to XXXX XXXX XXXX XXXX. We would rather resolve this issue immediately before taking further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  loan # XXXX has violated my rights. 
Hard Inquiries by : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States i have right to privacy. 

15 U.S.C1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt