23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase bank which has firsttried to not pay my bank bonus, is now closed all my chase credit cards with a XXXX XXXX excellent payment history and not even XXXX late in the past XXXX years. 
I had an identity theft issue several months ago which did not affect my payment history in any waysdue to my deligence and hard work to stop the issues that come with identity theft. 
Chase closure of my accounts was a big suprise and shock, due to no advance notice and no reason they may have done that. 
When I found out I contacted them and they just you had a few dispoutes with merchant. 
disputes with merchants wither get resolved or not. In either case, I always pay my blances in full. 
I would like to file a claim againt XXXX for not following, The Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) of 2009 requires credit card companies to give cardholders XXXX days ' notice. 
They closed my account with no notice and XXXX notice. This bank thinks they can do whatever they want. 
Horrible bank.
Product: Credit reporting or other personal consumer reports

I am writing to complain to SANTANDER CONSUMER USA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

There is a certain debt collector known as XXXX XXXX XXXX that is repeatedly calling and harassing my poor old XXXX year old grandmother on the basis of a debt I DO NOT legally owe. I am a resident of XXXX, where the debt should have expired last year, yet they call her at her number in XXXX, where I do not know how they got that number, as I have had no communications with them. What actions should I take to assert my rights and my grandmother 's privacy?
Product: Checking or savings account

I have contacted the bank several times regarding funds that was deposited into my account after it was closed. Initially I was told the account was closed XX/XX/XXXX however when I called late XXXX it was still open and it was again closed that day. I called regarding a refund from XXXX that was never dispersed. They said they do not have proof that the refund was returned ( Huntington ) after 2 hours and 4 employees later a supervisor said that a statement stating the account was closed XX/XX/XXXX could be used as proof, 15 days later and its just a statement no letter of account closure I can not access this account online to ensure I am not being charged. Please help XXXX just wants proof the refund was returned or that the account was closed.
Product: Debt collection

In XXXX of 2021 company added an old debt to my account that damaged my credit score. I contacted them to dispute and then refused the " debt parking ''. They also refused to send me anything in writing that they are legally supposed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2016 BANKRUPTCY New York XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received a XXXX payroll card from my already questionable TEMP hire agency XXXX XXXX aka XXXX XXXX. They claimed this was the only way of getting my paycheck. I had this card for less than a week when I noticed my balance after just getting paid was only {$150.00}. I looked at the history XXXX XXXX XXXX was the only transaction I made personally. I now had 6 transactions from 3 different XXXX  gas stations in the area ( yet different cities ). 

XXXX pending -XXXX  XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$98.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$98.00} XXXX XXXX  XXXX XXXX XXXX XXXX - {$99.00} XXXX XXXX XXXX  XXXX Direct Deposit + {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX  customer service said it would be up to the MERCHANT on reversals and that it could take 45 to 90 days for an investigation. They also said they can not stop pending charges ( there were 3 pending when I called them ) and they would have to post before they could do anything. I'm out {$600.00} and no accountability from XXXX  or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by XXXX Equifax Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Dear Sir or Madam : I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility * Internet or email * Other : Someone used my info in an attempt to obtain credit and loans The following is a description of the identity theft incident : As a result of the XXXX XXXX Data breach my information was leaked and someone used it to apply for credit and loans in my name XXXX as a result this stuff is one my credit reports. 
I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. 
In addition, I have lost 60 hours between XXXX and XXXX hours of my time due to the identity theft. I don't know if the identity thief used the internet to open accounts or purchase goods or services. 
I have the following information regarding the identity thief : I have no clue. 
I have contacted the following credit bureau ( s ) : XXXX, XXXX   and TransUnion :. 
* regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
* to order a credit report. 
I have had the following problems with XXXX and TransUnion : They refused to remove the inquiries without a police report and those applications for loans or credit have stopped me from being able to obtain credit or loans. 
I have not contacted the police department and filed a police report. Therefore, no police report is attached. 
I have had the following problems with companies that I contacted regarding my identity theft : They have been uncooperative. 
Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint was XXXX filled in XX/XX/21. The company provided updates in response but as of XX/XX/21 they still did not resolve the issue and said they were still investigating. The same day consumer finance closed the case. No final response, no correction if the info. Nothing is resolved. Why was the complaint closed? Why is it taking them so long?
Product: Debt collection

To Whom It May Concern : I am writing to formally dispute the alleged debt referenced in your recent communication. Pursuant to 15 U.S.C. 1692g, I request validation of the debt. Specifically, please provide the following : 1. The name, address, and contact information of the original creditor.

2. A detailed breakdown of the debt amount, including the principal, interest, fees, and any payments made.

3. Documentation of the chain of assignment, showing all transfers of the debt from the original creditor to your company. This should include : Copies of all agreements, bills of sale, or other documents evidencing the transfer of ownership.

Proof that my specific account is included in the transfer ( s ).

4. A copy of the forward flow agreement or relevant portions thereof, demonstrating your right to collect this debt, and whether it includes my specific account. 

Please note that until this information is provided, I do not recognize or acknowledge this debt. I request that you cease all collection efforts, as required by law, until proper validation has been completed. 

This request ensures that the debt collector is held to a high standard of proof, increasing the likelihood that only legitimate debts are pursued. 

DO NOT SEND ME NO STATEMENTS! SEND ME THE ABOVE MENTION. IF NOT, DELETE IMMEDIATELY!! 

XXXX XX/XX/1973 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent accounts were blocked/removed on XX/XX/2019. However, to my dismay the accounts have been placed back on my Transunion Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The Accounts that are fraudulent are : XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX
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 ACC 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 WRITTE
N INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Consumer Loan

this company did a hard click on my credit with out my permission i applied for refinance with XXXX XXXX and the got my info from them and checked my credit without my knowledge or approval
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I rented a house from XXXX XXXX XXXX  of XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, Florida XXXX. 

After several months of chronic plumbing problems that rendered part of the house unusable, created a credible risk of black mold, and destroyed hundreds ( probably thousands ) of dollars of our personal property, we terminated the lease and vacated the property by mutual agreement with XXXX XXXX XXXX. 

We left the house in pristine condition, and we have almost 70 photographs as proof ( plus 5 photos of the plumbing repair disaster and 4 photos of the damage to the adjacent walls and ceiling in the garage that was caused by their negligence and botched plumbing repairs ). 

Nevertheless, XXXX XXXX XXXX sent us a statement claiming that we owed them {$4500.00} for what amounted to normal wear and tear ( in violation of Florida law ) and for the property damage that was caused by their own negligence in failing to properly address the plumbing issues. They also refused to return our security deposit ( {$2400.00} ) without making a proper claim in accordance with Florida law. 

At some point, XXXX XXXX XXXX sold that alleged " debt '' to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida XXXX, who is now reporting it to XXXX, XXXX, and Experian. 

We have repeatedly disputed that line item on both of our credit reports with all three credit reporting agencies as well as XXXX XXXX XXXX directly. 

We have provided detailed correspondence complete with the photographs proving our position to all four of those entities. 

We have demanded a description of the reinvestigation procedures in accordance with FCRA 611 ( a ) ( 7 ) from each of the three reporting agencies. 

We have provided information to all four entities showing that the President, Secretary, and Treasurer of XXXX XXXX XXXX  who made the initial claims in the first place ( XXXX XXXX XXXX ) has been disbarred for unethical, fraudulent, and dishonest conduct ( including making false claims and fabricating evidence ). 

We have notified all four entities of our intent to file suit against them. 

And we have sent FS 627.4137 pre-suit demands for insurance information in preparation of that lawsuit. 

Incredibly, none of those things has gotten their attention. XXXX  has ignored all our correspondence, and the three reporting agencies simply continue to claim that they are " investigating '' the alleged debt before " verifying '' it and notifying us that it will remain on our reports. Despite our repeated demands, none of them has ever provided any FCRA 611 ( a ) ( 7 ) information, addressed in any way the 70+ photographs and other documentation that we have repeatedly provided to them, or responded to us in anything other than a cursory and disingenuous manner. 

We are hoping that we can get some relief through you rather than having to go through the extended mechanics of a lawsuit and jury trial.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious issue concerning the handling of my identity theft report and to express my concerns about a potential violation of the Fair Credit Reporting Act ( FCRA ). 

I filed a report with ChexSystems concerning identity theft involving my personal information. The report included detailed documentation and evidence supporting my claim. According to the FCRA, specifically XXXX XXXX, ChexSystems is required to investigate and resolve disputes regarding inaccuracies on my report. 

To my dismay, I have not received any communication from ChexSystems indicating that an investigation was initiated or completed. Furthermore, my report remains unchanged, and no updates or resolutions have been provided to me. This lack of action not only disregards my rights under the FCRA but also exacerbates the adverse impact that the unresolved identity theft has had on my financial standing. 

Identity Theft and Reinvestigation : According to XXXX XXXX. XXXX, when a consumer provides a report of identity theft from the Federal Trade Commission XXXX FTC ) and requests a block on fraudulent information, the credit reporting agency must block the fraudulent information if it meets the statutory requirements. 

Signature Requirement : While it is understood that ChexSystems requires a law enforcement XXXX 's signature or a local police report in addition to the XXXX  Identity Theft Report, the FCRA allows consumers to use an FTC Identity Theft Report to substantiate claims of identity theft. The FCRA requires that such reports be accepted for the purposes of blocking or correcting fraudulent information in the credit file. 

I will be compelled to escalate the issue and seek legal counsel to ensure my rights are protected.
Product: Credit card

A person reached out to capital one and said that they were me. They provided a fake image of my drivers license and gained access to my account. Somehow he found out my home address, phone and email and then changed all of those things on my account without my consent, thus locking me permanently out of my account. In trying to gain access to my account this person changed the information back nearly XXXX times in XXXX hours. A company as large as capital one would benefit immensely from XXXX factor authentication, or a more concrete way of verifying identity. The fact that this was flagged on my account as a problem and the person used this same method nearly XXXX times to gain access is troubling. Also, many of those times was while I was on the phone with Capital one saying NO please do not let anyone besides me into the system. I also asked them to put notes saying do not let a person change the phone to XXXX anything in that area code, and the system allowed this person to change it back to his name, phone and email many different times. Please provide feedback to Capital one that they need to change their authentication process immediately for fraud protection. Thank you
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit act CREDIT ACCEPTANCE CORPORAT account number ending in XXXX has violated my XXXX USD XXXX states I have the right to privacy XXXX consumer reporting agencies can not publish my accounts without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are obligated by the FCRA to report accurate accounting. XXXX XXXX XXXX XXXX reinserted a few accounts that I recently disputed as fraud on my consumer report. I advised the consumer reporting agencies that ALL accounts and inquiries reported was fraud. I advised the consumer reporting agencies that they had 4 business days according to LAW to remove such items ( inquiries, accounts ). FTC fraud report was filed on behalf of consumer ( me ). I am now requesting the consumer reporting agencies to provide the documentation used to determine inquiry or account was indeed authorized by me the consumer in fact. The consumer reporting agencies has 15 days to provide me with documentation used, name of the person spoken to, signed application with consumer wet ink signature giving permission to have said items be reported. I am not asking for an E-OSCAR report or E-OSCAR documentation. If consumer reporting agencies ( XXXX, Equifax, XXXX ) does not have documentation showing that these were in fact authorized by me, ( the consumer in fact ) it must be removed asap. The consumer reporting agencies companies are liable under the U.S. Securities and Exchange Commission to follow certain rules. 

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

XXXX  XXXX XXXX keeps reporting incorrect dates of reporting with XXXX, Transunion, and XXXX  which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX XXXX XXXX fraudulent activity. 

I have disputed the dates that XXXX  XXXX XXXX has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. XXXX  XXXX XXXX is using fraudulent activity which unlawful per the Fair Credit Reporting Act.
Product: Debt collection

I received a letter from Radius Global Solutions on a debt that was charged off by XXXX as a bad debt. XXXX attempted to collect on a debt the car was surrendered voluntarily due to XXXX, they left me alone and now they sold it to a collection agency whom is reaching out well after a year. I just want all communication to cease and desist. If I had the monies I would have kept the car people are trying to recover from the affects of XXXX as well as the storm that just ramsack New Jersey and now after well over a year I get this letter. I feel this is a tactic to get money I don't have. When I surrendered the car on XX/XX/21 I was told they would have it picked up the next day, I offered to drive it to the location so I was not charged any additional monies they told me I would not be charged but their people had to pick it up with a flat bed and the guy came with a regular tow truck I was charged for that service when I offered to drop it off. I was given the run around from XXXX from the start and never offered any assistance. XXXX is a very big company I asked to complain to a higher up my complaint fell on deaf ears no one reached out to assist I was also given the run around when I attempted to surrender the car.
Product: Mortgage

My mortgage is with WSFS and I am set up with automatic withdrawal. In XXXX of 2020 they took 2 payments from my checking account. I contacted them immediately, they acknowledged the error but it took them 10 days to refund my money because they said they had to be sure it had cleared my account. It happened again with my XXXX payment, they took 2 payments. I called their customer service line and they told me that if I could send them a copy of my bank statement showing that it had cleared they could refund the money immediately. I sent that to them immediately yesterday and today received an email from them saying I had to call instead. I called and they said they couldn't anyone in the right department to help. I insisted on talking to a manager and after holding for over 10 minutes I had to hang up for a meeting. I still don't have the money back and I have provided them proof from my bank that it has cleared. I need my money back and more importantly they have not yet told me why this has happened 2 out of the 3 last payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon examination of my credit reports, I did observe an account ( XXXX XXXX XXXX XXXXXXXX ) listed thereon which I did not open nor was aware of. I have contacted the company on multiple occasions to have this matter resolved but they seem content as treating as my account; totally disregarding the issue at hand. I made it clear that I have been a victim of Identity Theft and also I was among the many who were involved in the XXXX credit breach a few years back. Notwithstanding the fact that I have ran in hard times in the past, I will never disown my debt but rather come to some sort of arrangements to resolve the issue. Here, I am faced with having to challenge a debt of which I am not aware and the creditor is refusing to rectify this matter. In light of this, I hereby request assistance from the CFPB to address this issue. I have disputed the matter and requested evidence but to date they have failed to supply any evidence linking me to this account other than it being listed on all of my consumer reports. Additionally, the company has blacklisted me for being a victim of identity theft.
Product: Debt collection

Currently using XXXX and XXXX to garnish my wages without any notice that I defaulted in judgment. This should no longer be on my credit report, yet it's listed as XXXX different balances on XXXX different bureaus.