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

Ref : Chase Credit Card No. : XXXX XXXX XXXX XXXX I was enticed by XXXX to get the XXXX Chase  Credit Card referenced above. I have been with Chase for around 30 years and they know where, when, and what I have purchased in the last year. They know about me more than I know about me. Several weeks ago suddenly and without warning or notification, these XXXX XXXX froze my account and would not provide any information as to why! I have contacted their XXXX customer service department several times by phone, by email, and by US mail trying to figure out why they are doing this to me. They routinely leave in my mail box on their supposedly secure service a message that they have received my complaint, has been forwarded to the appropriate department, and that I should receive a response in 48 hours. Needless to say, their XXXX  appropriate department never responds not in 48 hours.. Not ever.
When I gave up on hearing from them, I contacted you.. and you contacted them. It took them more than a month to respond to you that they did what they did because they are discriminating against me because of my national origin! Apparently, they found out that I was born in XXXX ( although I lived most of my life, was educated, and employed here in the US ) and they used that information to discriminate against me. I am contacting you to ask for two things.
( 1 ) I hope you will not act as a messenger service, and you will investigate these characters for discriminating against me for no reason whatsoever. I realize that JP Morgan Chase is a very influential powerhouse with a lot of powerful government and business connections, but that should not allow them to DISCRIMINATE. ( 2 ) These XXXX owe me {$17.00} in rewards I have earned and should be able to use. These jerks are not allowing to use the rewards points I have earned and would not respond to my inquiries and request to be given the rewards I have earned. I have been the best customer they any credit card company dreams of having ( high amount user, never been late in making payment, etc. ) and since they are so XXXX to treat me this way, I no longer want to work with these characters. Since they have been ignoring my messages, I asking them ( through you ) to close this XXXX account, but I demand that they pay me the rewards I have earned. You might also let them know that they are not the only credit card company in the country, and all the other credit card companies will be happy to take away their best ( but abused customers. ) I have high standards for myself and for the people I work with me, and Chase are way beyond the standards I expect from a credit card company. Thank you for your kind attention. Thank you for your kind attention
Product: Bank account or service

BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was 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 information relating to any transaction by the consumer. 


XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$66.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone access my paypal and withdrew {$540.00} out of my crypto currency and put into paypal then withdrew it from paypal to xoom i did not authorize this i was incarcerated in jail at the time paypal keeps saying the transaction was authorized but it was not authorized by me Paypal allowed my primary phone nunber and email to be changed during all this which allowed for this to take place had they not let this perpetrator change the primary number it would of never been able to steal all my money bc my phone was locked up with me in jail. XXXX user agreement states that unauthorized activity occurs when someones credintials are used without permissions that results in the paypal customer recieves no benefit from the transaction made which i didnt there is way more than enough here to see this was fraudulent activity and paypal let someone change nimbers change emails drain XXXX XXXX accounts and use a different unconfirmed number and email to make all this fall in place Paypal is definitely at fault here and rhem sending a computerized auto generated email saying this transaction wasnt unauthorized is there way to not have to pay people back this majes Paypal Inc thieves within there selves this is quite ridiculous money isnt easy to come by and this is also telling fraudsters that what they do is ok by their standards someone stole my oassword accessed my account and it did not benefit me that is FRAUDULENT ACTIVITY BY PAYPALS OWN USER AGREEMENT I NEED MY MONEY BACK PAYPAL
Product: Debt collection

stated I did not order nor do I use XXXX also this bill had my street address and I have all bill sent to my XXXX XXXX XXXX My XXXX Phone is paid for by my girlfriend not by me
Product: Debt collection

I have been received several calls daily from Portfoliorecovery at my work number. They are calling repeated time during the day. Today, XX/XX/2019 the have call me 4 times. In the last 15 days from today 's date. They have called my work number 15 times. It is considered harassment and they are distracting me from my job. They already call me on my personal number 3 times daily and sending me collection letter 3 to 4 times in one week.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits. I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

On my credit profile I noticed some hard inquiries that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an old record from 2015. The original company XXXX could never show me that this was my bill. I have been contesting that this is fraud for the last 6 years. Then 8 months ago they finally took it off my credit report, only to have it reappear from a company by the name XXXX. This bill for {$1400.00} is NOT mine. Can you please help me to get this resolved! Both companies are slurring my good name and I am so tired of fighting this. Please help!!!
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit card or prepaid card

The credit card company is refusing to allow me access or give me any information on my account, or even to make a payment. In other words, my own account is being held hostage, and I run the risk of becoming delinquent on an account when they are refusing to allow me to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My legal name is XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX name XXXX Attached is a copy of my driver 's license and passport. Please update my account to reflect this. I have another account ( XXXX ) which has it correct. I told the dealership to make sure this information was correct before loan closing and I was assured it was. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Last XXXX of XXXX XXXX XXXX
Product: Checking or savings account

Someone took a lease under my bank account information, such as routing number and account number. Chase has confirmed that my account has been compromised. I'm almost positive that my social security number is compromised as well. I have no idea how my information is being leaked. This is an reoccurring problem in multiple parts of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two previous letters to Credit Bureau, all by certified mail ( receipts enclosed ) requesting that Credit Bureau remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that this account is inaccurate and that Credit Bureau violated the Fair Credit Reporting Act by ignoring my requests to investigate the item. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and this reason was not frivolous in any way.

I will file a civil suit in my county for damages and Credit Bureau can travel to defend yourself. 

XXXX XXXX XXXX NEVER LATE
Product: Checking or savings account

I made an electronic payment, the company never received it, found that out 5 weeks after the payment was made. So, a stop payment was issued, I was charged {$35.00} for that process, Cadence Bank said the funds, {$1700.00}, are being put back in my account on XX/XX/2021. As of XX/XX/2021, the funds have not been returned. When I call the bank, they tell that they are working on it.
Product: Credit reporting or other personal consumer reports

I got a copy of my consumer report and noticed theres a charge off on my report that Im unaware of. I asked the company to remove the debt because its not suppose to be there.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

For XXXX, the following personal information is incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX For XXXX, the following inquiries were not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX For Transunion : XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken loans pulled my credit on XXXX XXXX XXXX. I recently viewed my credit report and saw a hard inquiry from them. I called and gave them my ssn, name, email. They said I had applied for a mortgage loan that I never did. In order to apply they said I would of had to make a username and password in which I do n't. They could n't tell me my username or password either which is how I know I never applied. Would just like this hard inquiry off my report. 
Thank you very much.
Product: Credit reporting or other personal consumer reports

I applied for a home equity loan with XXXX and they denied me based on excessive debt post funding which is absolutely wrong I only have a mortgage and my student loans my credit score is XXXX I make over XXXX a year and I'm not behind on any payments in fact I have disposable income over XXXX to {$7000.00} per month so it makes no sense as to why they would deny me. They tell me it's something on the Experian credit report and Experian says there's nothing on there so it's very frustrating because I keep getting denied by different companies and there is no reason why I should not be able to get a feel like this is discrimination and it's unfair. I need this loan so I can move forward with my home renovation projects. I've been stalled now for over two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled numerous complaints with TransUnion and they finally responded by removing the 3 loans that were originaly XXXX XXXX XXXX XXXX # XXXX which were well over XXXX years old. XXXX sold these same loans to XXXX XXXX XXXX. 
TransUnion only removed just one of the XXXX XXXX # XXXX and not the other 2 were left on the report. The remaining 2 also need to be removed. These other 2 loans are both numbered the same which are # XXXX both reported on X/XX/17 according to theTransunion Resolution Summary. 
The remaining 2 XXXX XXXX are the same XXXX loans and need to be removed from my credit report also. We were warned by the refinance agencies that TransUnion would be difficult to deal with and they were right.I am old living on a fixed income and need to refinance my house but the the game playing by TransUnion still continues. Why did n't they remove the others like XXXX did?
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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
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 XXXX Account Number : XXXX has violated my rights. Or 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

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs.
Product: Debt collection

JPMCB CARD is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

This company claims that I have a balance of {$260.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to them asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a bill with the amount that they claim that I owe to them. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On the bill it shows XXXX XXXX as the original creditor but I never had an account or a contract with them.
Product: Debt collection

ARS ACCOUNT RESOLUTION has two accounts open for medical bill ( office visit to urgent care ) The office visit was paid in cash but never noted in their system. There was an issue with an employee at that office & believe this was done in retaliation. My insurance paid the urgent care its cost but the urgent care still charge me a bill without my knowledge then sent it to collections without ever contacting me. The collection agency was originally -- XXXX XXXX XXXX XXXX then sold it to ARS ACCOUNT RESOLUTION -- - who have an account open without my knowledge of a debt that isn't a debt and was paid for already! i have proof from my insurance.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Open Date : [ XX/XX/year> ] Balance : [ {$1700.00} ] Account Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Open Date : [ XX/XX/year> ] Balance : [ {$2000.00} ] I request that you reinvestigate the completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S. Code 1681e ( b ), I request that you ensure all procedures followed to include this information are reasonable and guarantee maximum accuracy. 

I appreciate your time and consideration in this matter and look forward to receiving a positive response
Product: Debt collection

To Whom It May Concerns ; My name is XXXX XXXX XXXX. I suddenly received debt collection letters from Midland Credit Management asking me to pay off the credit card debt open in my name on XX/XX/year> with the balance of XXXX. I have not opened this credit card and never used it. I havent made any payment since I dont know about this debt. 
Please help me to investigate this issue further and identify the person who is using my identity to obtain this credit card. 
Sincerely, XXXX XXXX
Product: Credit card

I started the dispute for the plane tickets with my credit card company ( Wells Fargo ). The issue was that due to unforeseen circumstances I got to the airport late but before the plane took off. There was nobody from the airline to help ( I also called the office but was not able to get through ). Finally, when I was able to talk to someone from the airline, I was told that they couldn't do anything, which I found out later was a like. The tickets could have been booked prior to the takeoff ( for a fee, which I would be happy to pay ). Not only Wells Fargo kept jerking me around ( kept saying they couldn't help, then started the dispute, then contacted me to say that they would close it, then had me fill out documents- going back and forth ( from XXXX XXXX. They also issued me a credit, but they did not say it was a temporary credit till later ( about a month later ). I find this process very confusing and dishonest - providing credit and then saying that it was a " temporary credit ''. I feel that this practice is tricking people to believe that they can get their money back and spend the money that they don't actually have. Now I have to pay again for something that was paid months ago, and I did not budget for at this time.
Product: Credit reporting or other personal consumer reports

I am attaching the documents required by the company to confirm my identity. '' Let me know if you need further adjustments
Product: Money transfer, virtual currency, or money service

Receive federal tax return and money was being used out of my account. XXXX, total {$2500.00}