23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX is an app embedded within PNC bank which allows you to receive or send money. I used this option thinking that it was protected from fraud since it's embedded within my bank. I was a victim of fraud on XX/XX/21 for the amount of {$1000.00} that I sent to XXXX XXXX using the email XXXXXXXX XXXX XXXXXXXX for the security deposit for the home I " rented ''. Then again on XX/XX/21 for two separate amounts, in the amount of {$1000.00}, and {$160.00} for the first month 's rent, pet fee, and electric bill. These transactions were part of a fraud scheme I encountered when trying to rent this home. I contacted both PNC and XXXX and was told that there is no fraud protection for this, and that that I could not file a complaint. I was then told to file a complaint online to try and recover my funds, and prevent my identity from being stolen.
Product: Credit card

I have a Care Credit card for dental expenses. 
Every time I use it they change the day when I need to pay my monthly balance and they they give me late fees. 
I called the company and the rep said that is just what they do. 
This is a predatory and dishonest practice.
Product: Credit card or prepaid card

Chase sends emails out to its customers offering a promotion to sign up for " Chase Pay '' and use it on XXXX and receive 10 % cash back on up to {$250.00} in purchases. However, as soon as one goes to use Chase Pay on walmart.com, Chase instantly freezes the user 's credit card account. I 've never had a problem with this credit card ( the one tied to chase pay ) being declined or had a fraud alert placed on it and have made significantly larger purchases using the card, but as soon as I attempt to make a small purchase with Chase Pay tied to this card, it gets frozen? This freeze by Chase requires a lengthy set of phone calls talking to numerous departments at Chase and answering dozens of questions. Then they often put a review on the account that can take up to 10 calendar days to respond to you. This happened to not just me but is attested to by at least a hundred users on various financial forums such as XXXX. It seems this is a form of false advertising as Chase offers a promotion and then when you attempt to use, they freeze and even lock your account so you 're unable to use the promotion before it expires. I just had my account frozen and the anticipated removal time is conveniently enough 2 days after the promotion ends. Very deceptive marketing by Chase.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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: Debt collection

I have had several conversations with XXXX XXXX @ Valentine & Kebartas, XXXX in regards to a debt owed by XXXX XXXX/XXXX XXXX XXXX to XXXX XXXX ; the balance is {$7800.00}.
XXXX/XXXX/2017- I asked about a SIF ; XXXX offered 1X- {$5800.00}, 2X- {$6100.00}, 3X- {$6600.00}. told me absolute lowest he could go was the {$5800.00}. Told him I would have to get back to him.
XXXX/XXXX/2017-XXXX called as follow-up ; I offered 1X- {$3900.00} ( 50 % ) ; now he said he can come down to {$5400.00}, after he told me on XXXX/XXXX/2017 he could n't go any lower than {$5800.00} ( so he lied to me ). I advised to both I would not be able to afford that and would only be able to pay $ XXXX/month. XXXX 's response was that he would not be able to accept that. I responded stating I would just send that amount to either XXXX or his office, did n't matter to me because they would not refuse the money. Call ended after speaking to supervisor XXXX XXXX
XXXX/XXXX/2017-XXXX called again asking for intentions. Advised same thing as previous conversation. XXXX 's response was to ask me if we were represented by an Attorney. When I inquired why, he responded stating that this account would move further along ( implying we would be sued ) if I did n't pay exactly what he was offering. He ended call stating he would advised to move this account from his office ( not sure who he is advising ; supervisor, manager, attorney? ) Also stated he would no longer call me, but would only speak with XXXX XXXX, the owner of the company.
XXXX/XXXX/17-XXXX called ( Caller ID showed " MAP VER '' XXXX ; he is calling from MA not NY, why is this company trying to deceive me with an incorrect phone number? ) XXXX opened the conversation with what I could pay. I advised we planned to send the {$500.00} as previously discussed, but I was waiting to be contacted by an Attorney 's office like he had advised would happen on the XXXX. When I questioned him on threatening legal action, he immediately tried to retract what he said and said to just send the {$500.00} in ( which he previously told me on several occasions that he would not accept that amount ). I ended call advising I would be submitting a complaint against him and his company with the CFPB for threatening legal when there was no intention of doing so.
Product: Debt collection

on XX/XX/2021 I requested for the 2nd time a debt validation from Phoenix financial service via certified mail after the 1st request failed to provide a thorough break down for the alleged charges, date of alleged service rendered, list of services and a signature from the provider showing my request to release information. in which I then respond letting company know that a violation of HIPPA was made and requested that they do the right this and have this account removed from credit report. I was then contacted by mail on with a letter dated XX/XX/2021 in which they mentioned this debt being valid with no clear information of the details requested above that request to validate that this alleged debt to be valid, this now makes the 2nd time I have tried to contact this collection agency regarding this alleged debt and providing reasons why information should be removed. I then received a 2nd response dated XX/XX/2021 in which they mention that records show this debt having been disputed before and will not be reinvestigating dispute there for the information will remain on credit report. how ever I find this to be clear violation of HIPPA laws and regulations. and wish to no longer suffer from this companies mistake and have been inconvenienced long enough
Product: Checking or savings account

So I normally disable my debit card to prevent any charges on my debit card for online transaction methods. The only transaction method I allow is in person transaction. Ally Bank allows it's customers to manage their transaction methods for their debit cards or at least that is their claim. On XX/XX/year> I had my card turned off with the exception of in person transactions. I got a notification that my car had been charged multiple time. I thought this was insane because I had my card control features set up to not allow online purchases. To my surprise I I see all transaction methods enabled, something I did not do nor did I consent to. I contacted Ally 's customer support via chat, albeit very unprofessionally but understandable given the circumstances. It took forever the the rep to respond but eventually they told me it was due to a tech issue and that they are working on it. That does not put the money back into my account. Eventually the agent told me that I need to wait for the transactions to settle and that I may dispute them. I waited, disputed one of the transactions and they refunded me the charge. In the process of disputing the charge they cancelled my then current debit card which makes sense. On XX/XX/year> I got my new debit card delivered to me by XXXX, without even telling me it was going to be delivered, no tracking information nothing. Who does that? I tried to activate the card using their process of dialing a XXXX number and entering my information. The XXXX kept telling me that it did not recognize the card, I called customer service and the lady, XXXX said they activated the card for me. When I refresh my account it still shows the card was not activated. The rep said that a pin needs to be created. I said ok let 's create a pin then. She didn't appear to know what to do, she said she would reach out for help with some " trouble shooting steps ''. She tried that, still not showing activated. After threatening legal action she didn't know what to do and transferred me to the fraud department. Fraud department said there wasn't anything they could do and someone in customer service can set it up for me as the card shows activated but without a pin. He said he would transfer me back to customer service and then hung up the phone. Luckily I was able to get help from someone by the name of XXXX in chat to activate the card and set up a temporary pin. I then was able to call their automated line and change my pin from the temporary one.
Product: Debt collection

I notified this company about an item being reported on my credit report. I sent the attached letter asking them to please remove this item from all my credit reports. They have not responded. I would like then to remove this unknown account from my credit report.
Product: Debt collection

XXXX XXXX, the original creditor, sent me a letter stating that they performed an investigation and found that I am not responsible for any previous or further balance on any accounts with their company. The accounts ( 2 of them ) associated with XXXX XXXX were not opened by me yet they are both showing up as collections on all 3 credit reports and still being reported by the 2 debt buyers ( XXXX XXXX & LVNV FUNDING LLC ). Neither should be there ( ever ) and I'd like them REMOVED ASAP! Not showing as " closed '', not as " collections '' - all traces REMOVED COMPLETELY! I will attach the letter from XXXX XXXX admonishing me from all responsibility on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached FTC Report that includes XXXX XXXX. This is in response to a previous CFPB complaint. Please remove the XXXX Account. It has already been removed from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has supplied ( via XXXX ) a proprietary XXXX XXXX ( SM ) report about my credit score and other information ( available credit, utilization, etc. ). I have attached a copy of this webpage report to this complaint. See Page 2 of the attached PDF.

One of these variables is " Depth of Credit. '' This portion of my report should state a number. For example " 10 years. '' However, it says " NaN years '' which is not a number. In fact, it is likely an arithmetic error in computer programming. 

I have called XXXX multiple times and they have forwarded my complaints to TransUnion. I called TransUnion multiple times at XXXX or XXXX without resolution. I even reached a person named " XXXX '' in XXXX and was told I would receive a swift resolution but I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have consistently sent letters to XXXX about credit card acts that are on my credit profile that I wont deleted. They have not deleted them, and refuse to even respond to my request Ive called and been hung up on and they only allow you to dispute one thing at a time. If you see 3 errors once you dispute 1 there system kicks you out so I mail everything to them. 
There reporting is ridiculously they toy with scores and it makes no sense what so ever. I have a 99 % payment history, but yet every month I have 60-80 points removed and then I complain and they put same points back and then repeat the same loss of points each month destroying ones credit score ( State of Arizona Statute limitation for credit card debt is 3years, auto loans is 4 years, medical and mortgage is 6 years. Unpaid state taxes is 10 years Accounts : all open ended accounts such as credit cards below I requested that they be deleted, they are all 5+ years old and others are 10+ years old. They are settled {$00.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries not removed that were fraudulent, I personally contacted the company XXXX that as a result several other companies under them has inquiries on my report as well. I told transunion that at the same time they said my acct was hacked three times within a two month period and I wanted them removed. I sent 6 apology letters from XXXX which took accountability for any inquiries they took place as a result of them shopping for rates for something I never requested on XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Equifax XXXX XXXX never okay or authorized them to do anything for me, in fact I have a opt out on file not to share and I dont do red parties XXXX XXXX-someone consistently tries to open accounts and Ive spoken to XXXX XXXX. I already have a XXXX XXXXXXXX but more and more inquiries keep appearing. Fraud XXXX XXXX XX/XX/XXXX, XX/XX/XXXX on report twice XX/XX/XXXX, XX/XX/XXXX on report, XX/XX/XXXX and I have a freeze, but XXXX allowed a inquiry
Product: Mortgage

I filed a complaint " Qualified Written Request '' on XXXX/XXXX/2015 and received no response what so ever. Not even an acknowledgement of receipt from Citi Mortgage in reference to my escrow account and the illegal holding of my mortgage payment As per fax receipts all papers where received at the number given to me by Citi XXXX. supervisor. 
Please see attached documents for entire explanation.
Product: Credit card

Discover Financial services is excessively running credit inquiries from XXXX. They are inquiring at least once every two weeks, in once case twice in ONE day, in a couple of cases, one week apart, and apparantly have done so for at least several years. They are no longer a creditor to me, has not been since XX/XX/XXXX, and I will never be a cardholder of theirs again. In addition, according to the credit report, they plan on continuing to be on my record until XX/XX/XXXX. I have since had another creditor raise my APR due to, at least in part, this excessive and needless practice. I need them to not only stop running these inquiries, but remove me from any list they may have me on as a prospective customer, and also need to remove themselves from my report altogether, as I have not been an account holder for over 7 years. I tried to report this to Experian, but their website is not working correctly to do so, and there is no actual phone number to contact a real person.
Product: Checking or savings account

Bank of America inexplicably closed my checking account after two days and after I had already scheduled deposits into the account. They claimed it was for " business reasons '' and refused to offer any explanation beyond this.
Product: Credit card or prepaid card

In the past six months I have received notices, after the fact and reported information sent to my credit reporting agency that my credit usage on my credit cards ( 3 ) to be exact were lowered. Aside from that, the interest rates are increasing to no end. This is unconscionable and unacceptable. I have been a long time consumer with no late payments and always paid more than the minimum due. They had no right to lower my credit line when they are being paid on the due date on a timely basis. Then they increased my interest rate without any notification whatsoever. They are nickel and diming me and this has become a problem. How is anyone supposed to keep their credit score and obtain credit when they notify the credit reporting agency of these issues as well as increase the interest and minimum due. Something needs to be done about this! This can not go on forever and it isn't the first time as you can see from my prior complaints. Whats the purpose of this when you, the CFPB, find this acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX Credit Reporting Agency and/or it's attorney ( s ) Consumer Litigation Associates, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. 

In the year of XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ XXXX and $ XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XXXX ) In the year of XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, DE XXXX Date ( s ) of final payments : XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX. XXXX   XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of  final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX Credit Card XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

account # XXXX XXXX XXXX XXXX " 45 days ago I ask to the credit bureau to do an investigation. they said it was verified. 
but after doing my own investigation I saw they did not. 
delete this charge off for inaccuracy because the date of last payment reports XX/XX/ on transunion, XX/XX/ on XXXX, and XX/XX/ on XXXX. 

thanks
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. I WAS A VICTIM FROM THE XXXX DATA BREACH IN 2017, AND BY SOMEONE WHO USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS. SHE HAD MY INFORMATION BECAUSE SHE USED TO DO MY CREDIT REPAIR. ALTHOUGH I PREVIOUSLY PAID ON THESE ACCOUNTS TO GET THEM REMOVED, I NEED THEM CLOSED AND REMOVED FROM MY CREDIT REPORTS EXPEDITIOUSLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. When I got married to my husband, for some reason his home address got onto mine. Because of that, I had a hard time confirming my identity. Then when I bought my house, even the lender asked me if I lived there & own the house. Obviously, I never lived in my husband 's house ever in my life & his parents owned it. Please assist in removing that address. Thank you.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, filed a FTC report due to unauthorized inquiries on my credit report. You are in violation of the FCRA for failure to remove inaccurate information from a consumer 's credit report. Furthermore, this is also negligence, and I would be able to argue this in court. I am again demanding that the following information be removed from my credit report within 30 days. Please see the attached FTC report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

I have tried several times through the Experian website and also through XXXX ago get this item removed from my report. All in vain. 

My SO has her XXXX credit card. Solely in her name. Solely for her use. Solely paid by her. 

I NEVER cosigned or had use of this card. Yet, her account appears on my Experian credit report. I have NEVER had an XXXX credit card. 

I looked at my Experian credit report today, XX/XX/XXXXXXXX XXXX XXXX XXXX. The erroneous item is still there, and has a balance of over {$7700.00}. Obviously, this is affecting my credit score. 

Every time I complain to Experian through their website, they claim that the info has been verified. But never explain how they can verify something that is NOT mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$7.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in 2015. I contacted a customer service representative with XXXX XXXX XXXX regarding this outstanding balance. I was never sent a bill nor did anyone ever contact me about any outstanding balance. I did not know that this account had gone to collections until I obtained my most recent copy of my credit report. This account needs to report a {$0.00} balance. This false reporting of a chargeoff is seriously harming my XXXX XXXX and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Lending club call my family members discussing my debt which I think was wrong. My family member gave them my number, but the calls to my family members continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To Whom it may Concern, Two accounts are reporting information that isnt 100 % accurate but have been marked as verified. Please remove these accounts based on inaccurate information 15 U.S. Code 1681i Sec 5. 

Account Number Company Name XXXX XXXX  XXXX XXXX  Thank You, XXXX XXXX XXXX