23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Debt collection

gla amount {$37.00}, they kept calling me suppose a bill from XXXX XXXX that was years ago i never got a bill they wanted the money over the phone i ask them to sent me a bill a and they refused, i called XXXX XXXX also asking for a bill and they said they didn't have one to give i have been harrassed with numerous phone call all i ask them to send me a bill that has impacted my credit score i went through XXXX they kept sending me email it would be another month, i check it again it was close with no information, please can you help me to have this taken off my credit score, or just have them to send me a bill.i told them what would they do if someone you never heard of calls wanting money over the phone and nobody will give you a bill it feels like a scan to me.thank you
Product: Checking or savings account

On XX/XX/XXXX I tried making a purchase through a company who advertised a stroller and car seat online via XXXX ad. The sell was for {$39.00} and {$10.00} for shipping. The merchant end up being a fraudulent company and I never received a product and I was unable to locate any contact information other than an email. I reached out to chime bank to try to get their assistance with getting that transaction reversed, seeing as though I never received merchandise. After doing some research, I found other victims that claim they had ordered items from the same merchant with no reply. My bank will not help me get my funds back, and they keep denying my claim. I have requested numerous times to see what documents they are using to make that determination. I also have sent every correspondence that I have had via email with that fake merchant. The merchant that turned out to be fraud, sent me a tracking number on a made up website out of XXXX stating that they delivered something to an address in California. I have never been associated with any address is in California. I live in Texas yet Chime is unable to prove anything to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act XXXX  Account number XXXX has violated my rights Account name XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX 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 or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Debt collection

IC System is reporting 1 debt as 4 separate accounts although it's 1 account from 1 physician for 1 patient. I contacted the company on XX/XX/2018 and was told instead of reporting the 1 account as a whole they broke up the charges into service dates and reported each date separately. I have a letter from IC System dated XX/XX/2018 which lists 1 total balance of {$1100.00} NO individual charges or service dates listed. 
On XX/XX/2018 IC Systems reported 4 separate accounts for {$500.00}, {$310.00}, {$210.00}, {$90.00}. This is deceptive and was done purposely to have the biggest negative impact on my credit score. There is 1 account and only 1 amount.
Product: Money transfer, virtual currency, or money service

I logged into my CFPB account this morning and saw Chase response to my complaint.I am a victim of a fraud, scam or financial exploitation by Chase.They stated that I cancelled the disputes and they closed my claims but that is not true.They also said that my claim is totaled {$1900.00}, that is also not true.My claim is totaled XXXX but I asked Chase bank to pay {$1900.00} to the merchants not including XXXX XXXX XXXX XXXX from my checking account. ( Please take note ) After my claim was denied, My paycheck was directly deposited into my account.My wife 's income was also deposited into the joint account.I spoke with Chase Bank for them to deduct {$1900.00} from our wages and pay the merchants.I spoke with the merchants on different occasions and they said that they didn't receive any payment from Chase Bank.I contacted Chase bank customer service representatives and they told me that money were remitted to the merchants.I then spoke with Chase bank fraud department, they told me that Chase bank did not pay the merchants and that the customer service agents were giving me false information.Chase fraud department promised to pay the merchants before a specific date last year XXXX, but they didn't. After I reported Chase Bank to Consumer financial protection bureau, they paid {$490.00} to XXXX XXXX XXXX, {$490.00} to XXXX XXXX instead of {$990.00} .Chase bank is supposed to pay XXXX XXXX XXXX XXXX XXXX but they did not.Chase bank is owing a balance of $ XXXX.For this reason, I am asking Consumer financial protection bureau to do something for me.Help me recover the balance of {$910.00} from Chase bank.I have gone through emotional pain and suffering.My credit is severely damaged because of these debts, I am going through alot of problems .Chase bank in their response stated that the funds will go back to Visa for the merchants to collect.Why?. They did not use visa to withdraw the money from my account when they did.I don't know where they kept my money when they said that they paid the merchants, at the end.it was all lies.Mind you, this incident took place last year XXXX.Chase bank is still with my money and have not paid all the merchants.Please, I want them to pay the balance of {$910.00} to XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Credit card or prepaid card

Someone just used my name, SS number to open a account wth XXXX just a few mins ago Please help me this has happen a lot for me .. 
Thanks very much, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  and the companies that have inquires on my consumer report. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. These accounts were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent. According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX
Product: Checking or savings account

XXXX I tried to get information from Capital One about my direct deposit not being deposited. The customer service representative was horrible on the phone and hung up on me without giving any explanation. I called numerous times and was put on hold for XXXX hour then XXXX hours and was never able to talk to anyone. In the meantime I get an email reminding me my credit card payment was due from Capital One. I had to think how ironic, Capital One wants my payment and yet they have my money. Please help.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA XXXX ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal date XXXX XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

It has over a month and XXXX  has not updated my account properly. There is a credit card by unify financial showering a balance of {$1000.00} that is paid in full to XXXX  and has been XXXX for some time and it will not update. I have already tried disputing it. Also the credit card I have through XXXX- XXXX balance is incorrect as well.
Product: Debt collection

The account they are trying to collect has 2 different collection agencies trying to collect on the same account those collection agencies are Persolve and Account resolution. XXXX is the original and its been 6 years since they repoed they car also I only owed XXXX and something on it at the time it was repoed they sold the car for more than what I owed and are still trying to collect XXXX this needs to be removed from my credit ive tried disputing this 4 times now and nothing ever gets done.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and noticed inaccurate employment information resulting in damage to my credit profile.
Product: Debt collection

Paid collection in full. Was told by rep when I paid in full. The account would be taken off of my credit report. Still reporting to all 3 credit bureaus. Please remove and listen to recorded call.
Product: Credit reporting or other personal consumer reports

I applied for an XXXX XXXX XXXX  on XX/XX/XXXX. I never got a response from XXXX on whether I was approved or not. Since a month has gone by and it now appears on my credit report as a " hard inquiry '' from JPMCB that will not roll off until XXXX. I called Chase and was told " it has been more than XXXX  days and the record has been purged. We can't do anything about it - contact the XXXX ''. 
Contacted XXXX and was told that Chase could do something and they were giving me the run around. 

I want it removed or I want information on what they found.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Mortgage

Last XX/XX/XXXX, I spoke with my Wells Fargo Rep about removing PMI from my mortgage payment as I knew my LTV ratio was low enough to remove it. ( I'm a previous XXXX XXXX XXXX XXXX XXXX. ) I purchased the home on XX/XX/XXXX. In XX/XX/XXXX I received the requested form to remove the PMI, read all through the instructions and sent the signed document with a {$150.00} check to the Wells Fargo PMI Department address of the form on XX/XX/XXXX. About a month later I was told I was submitting the form too soon. The Wells Fargo employee called me and said the mortgage loan had to be over two ( 2 ) years old. I was furious as there was no where in the documentation that I received that said the mortgage had to be over two years old nor was it any part of the conversation when initial speaking with a Wells Fargo employee about this process. I felt my hands were tied and I agreed to cancel the process and my {$150.00} was returned. 

I then waited until after XX/XX/XXXX to re-submit the form andf resubmitted the form on XX/XX/XXXX with another {$150.00} check to have my PMI removed from my mortgage. Then I got super busy. It wasn't until last week that I realized I had heard nothing and the check had been cashed. 

I called Wells Fargo 's PMI Department on XXXX and after speaking with a woman who had no clue, I asked to speak to her superior. She put me on the phone to a very helpful you man who researched the situation while I was on the phone. To his and my surprise the {$150.00} check was posted to PRINCIPAL. hTere was no other record of the PMI removal request. The form I sent in in XXXX had been submitted with the form and the check stapled to the form. I was outraged. Why is Wells Fargo 's staff so incompetent. I agreed to leave the {$150.00} as a principal payment as the Wells Fargo man helping me said it would be a mess to get that reversed. 

Shortly I then received in the mail and via email all the info to start all over again. 
Please remember this has been going on since XX/XX/XXXX. It's now XX/XX/XXXX! 

I sent a letter this week, XX/XX/XXXX, explaining all of the above with another {$150.00} check and that if I did not receive a response within two weeks with a full refund of my PMI payments since XX/XX/XXXX and the removal of PMI from my mortgage payments, I would contact you. 

I do not believe that the policy of Wells Fargo is to require the mortgage holder to wait for over two years before they can apply for the removal of PMI from the mortgage because everyone I spoke with since has denied any knowledge of this policy and this requirement was no where on the initial and previous documentation I received regarding requesting this PMI removal. 

I also do not believe they will get it done right ( 3rd attempt ) without youri intervention.
Product: Credit reporting

Equifax still shows that I have defaulted on my federal student loans when, in fact, all of my federal student loans have been successfully consolidated with XXXX. I have documents that can prove that, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Complaint # : XXXX As of XXXX XX/XX/XXXX Bank of America has failed to close the account in its database and continues to report 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX with XXXX  credit bureau, 30-day late payment for the month of XX/XX/XXXX with XXXX XXXX and XXXX  credit bureaus. Bank of America reasserted that there was no record of a payment which I had logged into its mortgage database on XXXX XX/XX/XXXX and scheduled to bed withdrawn from my checking account on XXXX XX/XX/XXXX, and which Ms. XXXX XXXX the bank 's Short Sale representative later advised to be canceled because I was no longer required to submit a payment while awaiting closure after the sales contract was accepted by the bank ( see attached copy of payment confirmation receipt ). Consistent with my payment history with other lenders I have never missed or made any late payment with that account. I respectfully request that Bank of America officially close the account effective XXXX XX/XX/XXXX. Proofs of on time payments previously submitted to Bank of America and the three credit bureaus on multiple occasions pertinent to inaccurate reports filed by Bank of America regarding payments made to the bank between XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

DISCOVER FINANCIAL SERVICES IS MAKING ME LIABLE FOR CHARGES THAT WERE COMMITTED BY MY ROOMATE IN MY ABSENCE. I WAS NOT IN THE COUNTRY AT THE MOMENT WHEN THE CHARGES WERE MADE. I PROVIDED DISCOVER SUBSTANTIAL EVIDENCE TO PROVE THAT THE DEBT DOES NOT BELONG TO ME AND INDEED IT WAS DONE BY MY ROOMMATE AGAINST MY WILL OR ALLOWANCES. FOR THESE REPORTS I SWORE UNDER OATH THAT THE FORGOING IS CORRECT OR I CAN FACE CRIMINAL CHARGES. I WOULD NEVER LIE AND RISK MY PROFESSIONAL CAREER OVER BAD CREDIT OR FRAUD CREDIT CARD ACCOUNT. HAVING BAD CREDIT IS MUCH BETTER THAN BEING AN CRIMINAL AND NOT BEING ABLE TO WORK. AGAIN DISCOVER NEVER OBLIGED THAT MY DEBT WAS NOT DUE TO ME AND MY ROOMMATE HAS BEEN USING MY CARD FRAUDULENTLY FROM XXXX TO XX/XX/XXXX. 
I HAVE SEND DISCOVER FINANCIAL SERVICES NUMEROUS IDENTITY THEFT REPORTS, POLICE REPORTS AND EVERY-TIME I RECEIVE AN VAGUE RESPONSE THAT THE EVIDENCE IS NOT SUFFICIENT AND THEY REQUIRE MORE TO HELP ME WITH THE CASE. 
IN THE BEGINNING OF XXXX I FAXED OVER DISCOVER FINANCIAL SERVICES AN UPDATED POLICE REPORT FROM XXXX POLICE DEPARTMENT AND ALSO CALLED DISOVER FRAUD PROTECTION SERVICES AT XXXX. I WAS TOLD I WILL BE CONTACTED BY THE FRAUD INVESTIGATOR.I WAITED 2 WEEKS FOR THE REPORT TO BE UPDATED AND NOTHING OCCURRED. SO I CALLED BACK ON XX/XX/XXXX TO CONFIRM IF THEY HAVE RECEIVED THE NEW POLICE REPORT FROM XXXX POLICE DEPARTMENT AND ARREST REPORT BECAUSE MY ROOMATE WAS ARRESTED ON CRIMINAL CHARGES. AGAIN DISCOVER SAID THEY HAVE NOT RECIEVED THE FAXED DOCUMENTS, FOR WHICH I HAVE CONFIRMATION THAT IT WAS SENT TO THE RIGHT PHONE NUMBER. I FEEL LIKE DISCOVER FINANCIAL SERVICES IS BEING MANIPULATIVE AND NOT TRYING TO HELP. THIS IS CORPORATE GREED AND MAKING CUSTOMERS PAY EVEN THOUGH THEY HAVE BEEN VICTIM OF FRAUD. I SPOKE TO XXXX LAST TIME AND WAS TOLD TO FAX THE DOCUMENTS AGAIN, I TOLD HER " I DONT HAVE MONEY LEFT TO KEEP SENDING DOCUMENTS '' it does COST {$2.00} PER PAGE. 

DEAR FTC PLEASE HELP ME WITH THIS FRAUD CASE, DISCOVER IS NOT BEING COOPERATIVE AND THIER WORKERS ARE BEING MANIPULATIVE AGAINST ME. EVERY TIME I TRIED TO PROVIDE EVIDENCE, IT IS ALWAYS OVERLOOKED. PLEASE HELP ME I CAN NOT PAY FOR THIS FRAUD ACCOUNT, MY ROOMATE MADE THE CHARGES
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft. I sent the required documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$400.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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: Checking or savings account

I used my CashApp card at a XXXX XXXX ATM to withdraw XXXX XXXX The ATM showed and error and did not give me any cash but charged my account.