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

I opened this account in XXXX  but now I have moved to XXXX  I wanted to close this account and get the balance refunded, but the bank refused to do so citing fraud prevention. They locked my account and do not allow any deposit or withdraw. In order to unlock or close it, they insisted that I have to step into a local branch physically to unlock or close it. I am in XXXX  now, it is ridiculous for me to travel back to a local branch in XXXX  in order to close my own account.
Product: Credit card or prepaid card

So there cutoff time for the payments on the due date is XXXX et on the due date they do n't care about anyone on the west coast i ended up paying my payment the same day its due but i work until XXXX et and by that time the payment is already considered late even though its always paid on the same day i am have been fighting with them for the last couple of years on this and they do n't seem to care several calls and emails to the corp offices and they could care less how could they mark a payment late when its still paid on the same day its due its not my fault the computers have a cut off time the point is its still paid on the same day. I talked to XXXX in the corporate offices today and he could care less about the sittuation and we are talking in Circles and that is the way it is. They need to make it later so people in the west coast have time to pay it this is a literal XXXX XXXX pacific time cut off how is this ever fair. And Barclays customer service is very very rude and they could care less about there customer s and whats going on I have made serveral complaints and this rude and arrogant XXXX who is part of there excutive team is the last straw and convice me to make a complaint. There customer service is the worst i htave ever seen and they all need an attitude adjustment especially the excutive offices. There cutoff time for payment s are unacceptable and should not be allowed.
Product: Vehicle loan or lease

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to Experian asking them to send me documentation regarding some accounts that were inaccurately reporting on my report. ( See the attached ). I never got a response from them. On XX/XX/XXXX, I sent them a request to follow suit ( See the attached ) and delete the accounts since they never provided me the documentation I requested and they had been removed from another credit bureau. On XX/XX/XXXX, Experian completed my dispute and only verified the accounts. They still have not sent me documentation I requested regarding the account and did not follow suit and delete them.
Product: Debt collection

Over rated threatening phone calls, Highly Intense harassment, Also Reporting late payments and or Reporting any debt on one 's credit report without consent or their knowledge, is a violation to the consumer rights, I acknowledge late payments are not a criminal act, I acknowledge UCC 1 308 I can't be held accountable for all debts that I have accumulated under my social security number unconsciously, I've ask these debt collectors not to call or harass me in any further. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Republic financeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that all addresses and said debts late payments, inquiries be permanently removed from all 3 credit reporting agencies, XXXX, XXXX, and XXXX according to the law and rights, 15 UCC 1666B, 31 USC 3123 , 15 USC 1602G , 15 USC 1681 B. I am aware all depts are prepaid, 18 USC-8, US government pledged to pay debts 13 USC 3123, therefore the consumer can discharge debt and it doesn't have to be in legal tender see 31 USC 5118, I , the consumer didn't give any debt collectors permission of a court of competent, 15-USC 1692 A-P.
Product: Debt collection

On XX/XX/2019 i received a letter from FCO ( Fair Collections & Outsourcing ) stating that a client has forwarded an account for collection on the amount of {$5100.00} sent by a creditor XXXX XXXX XXXX. ( acc XXXX ) I have nothing to do with this debt. I called XXXX right away to warn them that my information has been used illegally. I also found out my information was hacked at XXXX. I requested a fraud alert to be instituted on my credit report at XXXX and the other 2 credit agencies. 
I called FCO using the number on the letter ( which doesnt match the one on their website ) and told them i had no idea what this was all about. I spoke to two gentlemen who said someone had used my name and credit as a cosigner or collateral or something in that manner by a person name XXXX XXXX ... .after i requested info on this i got a letter with a print out of charges from a rental property rented by " XXXX XXXX , XXXX '' with a phone number XXXX XXXX XXXX. ( as per fco papers ) Before this information got to me i contacted the local Sheriff Office and i file a report of identity theft, The officer told me to go to file a report with the Federal Trade Commission which i did. 
I also got a Free credit monitoring service by XXXX due to the data breach that included my information. 
Soon after i received a Identity Theft Affidavit questionnaire mailed by FCO this questionnaire asked for very personal information including name address, social security number, copy or my driver license etc etc .... i am sorry but with my information already being out there i will not send this personal information but i will send the sheriff and the Identitytheft.gov report as well as this one. 
FCO hase not even produce a single document showing where i had signed, requested or agreed to rent n apartment ... ... i have never been to the city where this apart was rented nor i dont know who the person who rented the place is. 
Now i am being threaten with this debt being put into my credit report. 
I will be reporting to the Sheriff office the full name of the person as before i only had a partial and incomplete name i was given by FCO
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, a client sent an unauthorized payment to a hacker from XXXX XXXX XXXX  ( Sender ) in XXXX, Texas to a Chase ( Receiver ) account. 

Our client completed the wire transfer form to completion including name of our company and other pertinent information.

A recall was initiated by the Sender and Chase has not been able to resolve the issue.

As we understand the name on the account the wire transfer was sent to DID NOT match our company name and the wire transfer should have been flagged. We believe there was negligence on Chase bank for accepting the wire transfer when there was multiple simple checks and balances to prevent this fraudulent wire transfer.

At this time Chase has been uncooperative in resolving this matter.

The amount wired was {$10000.00}.

Chase has also given misinformation and misdirection. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I attempted to transfer money from my Chase bank account to my friend 's XXXX XXXX account though quickpay operated by XXXX in the amount of {$690.00} on XX/XX/XXXX. The funds never reached her bank account and her bank never received information regarding an attempted quickpay from me. On XX/XX/XXXX, the status of the quickpay was funded. The status of the quickpay has been 'delayed ' since XX/XX/XXXX. I spoke with my bank numerous times at branches and via telephone. They will not cancel the transaction or refund me the funds until a claim is settled. I filed a claim XX/XX/XXXX and it was denied XX/XX/XXXX. I was only informed it was denied on XX/XX/XXXX when I called to check on the status. The claim was re-opened when the person I spoke with realized that I had transferred money via quickpay to the same person ( same email, phone, etc ) on XX/XX/XXXX and it was completed within 5 minutes. They are now claiming that XXXX never sent the funds to my friends and that they are not at fault. They have refused to give me a credit while they figure out why XXXX never sent the funds to my friend because it is an online transaction not a debit card transaction. I have been told that I must wait another five business days for someone to evaluate the issue. I have called almost every day since XX/XX/XXXX because I continued to receive a different response each time. Initially I was told that that my friend would receive the funds with 3-5 business days. Then I was told that they would cancel the money transfer and I would get my funds back on XX/XX/XXXX. Then I was told that after 10 business days that the money transfer would automatically cancel if it isn't completed. None of these things have happened. I was also accused of using the wrong email address which is not true. I am at a complete loss and I do not understand why they do not want to give me my funds back.
Product: Credit reporting or other personal consumer reports

I have requested that XXXX trans union and XXXX send me copies of my credit reports and update my credit scores and I never got any response
Product: Credit card or prepaid card

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Product: Mortgage

Hello, my client and I are having difficulty submitting offer for properties that are being auctioned and sold through XXXX, com due to their restriction of non-acceptance of debit card. XXXX only allows credit card and will not accept debit card and therefore borrowers with good credit scores, adequate and sufficient down payment and qualified for financing and / or cash byer but do not have credit card to post on XXXX are being discriminated against and are precluded from biding on properties being auctioned and sold on their platform ( XXXX ). My client and I have lost out on numerous properties that I sent offers on and were told that my offers will not be reviewed unless we go through their auction portal. I have called XXXX at ( XXXX ) XXXX to see if they could make an exception, but after speaking to one of their supervisor by the name of XXXX XXXX ( Last name initial ) who adamantly reiterated that XXXX will not make the exception to accept debit card. These properties are being marketed on a public platform such as the local mls  and therefor, everyone should be given the opportunity to participate in the purchase of such property most especially if the buyer have the cash to make such purchase or even if it's a loan purchase. There are other online auction platform that accept debit cards, but unfortunately are not the platform for the properties my client is interested in. My client and I have lost our on properties that could have been theirs only to be prevented from participating.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to me.
Product: Debt collection

I have received a letter form Oxford Law LLC that the stated original creditor has no record of. Complained on the state AG website. Next day I received a call from the company following up on the communication with the AG. The rep wanted to set up a payment plan for this debt I do not owe. Unsolicited he told me the last XXXX digits of my SS # and my former address. I have no knowledge of this debt nor does it appear on my credit report.
Product: Checking or savings account

I was the victim of identity fraud on XX/XX/XXXX. I reported the fraud on XX/XX/XXXX. XXXX was able to cancel some of the pending fraudulent transactions and tranfers, but not all of them. They made me new accounts but opened XXXX separate claims for fraud. XXXX claim was for XXXX XXXX transfers totaling XXXX dollars. The other claim was for many XXXX XXXX transfers for XXXX dollars. They claim that since my XXXX were used to confirm these transactions, that these transactions were legitimate. The problem with this is that the fraud included my XXXX  getting hacked ( its how the fraud happened in the first place ). Now they wont reimburse my claims, nor re-open them, nor will they escalate the claims any further. 

I have submitted a police report of my phone being stolen, and also attached the fraud claims from the XXXX side that shows XXXX agreeing to reimburse me in my XXXX cash account for part of the fraud.
Product: Student loan

School : University of XXXX ( XXXX XXXX XXXX, XXXX ) HI CFPB, I just wanted to let you know about my experience with Navient. I have around {$60000.00} worth of debt and pay around {$1000.00} a month to them. I tried to get them to extend my payment schedule or put me on an income based repayment plan, but they refused. Now, I ca n't move out of my parent 's house, ca n't afford grad school, and I am barely breaking even each month. I tried to consolidate my loans through another bank, because I was unable to pay Navient for three months last year. 

Thank you for all that you do. Please help fix this crisis. 

Cheers, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

There are several loans reflecting on my Experian credit report stating I have missed payments in which is being reported inaccurately. I have never missed a payment and this needs to be removed immediately. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), a company must obtain written consent from me to report information that may negatively impact my credit score. To my knowledge, the company has not received such consent from me. My XXXX and XXXX credit reports do not show this information and reporting this inaccurately is affecting my credit score negatively. The following accounts are being reported falsely : DEPT OF EDUCATION/XXXX Acct # XXXX Balance {$5500.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATIONXXXX Acct # XXXX Balance {$3600.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX  Acct # XXXX Balance {$5700.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX  Acct # XXXX Balance {$4500.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX  Acct # XXXX Balance {$10000.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATIONXXXX Acct # XXXX Balance {$5400.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATIONXXXX Acct # XXXX Balance {$2300.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATIONXXXX Acct # XXXX Balance {$2200.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting

Experian Credit Bureau, removed XXXX fraudulent accounts from my credit then without warning or notices they re-added the unknown accounts back to my credit. I have supplied themwith a valid police report that was stamped and signed by the police officeand to date they have done nothing but ignore me, so my case remains unresolved. 
The fraudulent accounts are as followsTax Lien ref # XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

Store cards were opened in my name and birth date with an unknown social security number. Creditor sent cards to an address I never resided in a state I never resided.  Two  accounts appear on my credit file and thus far harming my credit.
Product: Credit card or prepaid card

I have not been successful with my request to Capital One for relief from {$720.00} in charges fraudulently applied to my credit card account. The background for these charges follows : 1. On XX/XX/2018, some unknown person without my authorization used the information from one of my companys Capital One Spark Business cards to make six ( 6 ) separate and identical purchases on XXXX. 
2. On XX/XX/2018, someone again, without my authorization used the same card information on www.Walmart.com to make eight ( 8 ) separate and identical purchase transactions. Each of these  transactions consisted of two separate items. 
3. On XX/XX/2018, eight ( 8 ) separate XXXX items were delivered to our business location, and although our employee signed for them in a routine manner when asked by the XXXX  driver we promptly contacted Capital One to report the incidents as being fraudulent. We also flagged all fraudulent charges on Capital Ones website. 
5. We did not become aware of the remaining portions of the eight ( 8 ) fraudulent transactions on XXXX until I received my next Capital One statement, because those items codes for gift cards, as we later learned were delivered digitally to an email address that is not associated with our business. 
6. Also, because Capital One has never provided any information on the transactions made on XXXX, we did not become aware of those six ( 6 ) fraudulent transactions on until I received my next Capital One statement. Those items have never been delivered to our business location, and we still do not know what the transactions were for. 
7. In three of my attempts with Capital One to resolve this entire matter, I followed Capital Ones instructions and called Capital One Customer Fraud Protection department. For each call I made, a recorded message stated someone would return my call as soon as possible, but no Capital One representative has ever returned any of my calls. 
8. On XX/XX/2018, I called Capital One Transaction Support Center and talked to a representative who explained that Capital One doesnt consider our case to be fraud, because we actually received and signed for some of the purchases. See # 3 above for a complete explanation of this. 
9. On XX/XX/2018, I called Capital One Transaction Support Center, which ended when the representative determined he could not help me, but he would contact Capital One Customer Fraud Protection and have someone call me to complete the resolution of this matter. No one has ever made any such promised call to me. 
10. On XX/XX/XXXX, I received a postal letter from Capital One Transaction Support Center stating, in reference to my Fraud Case, we consider your case closed. As a result of all this, {$720.00} in fraudulent charges remain on my account.
Product: Credit card

I have been paying monthly and have never been late with these companies. Based on 1666B, this is a billing error. This shall be updated as soon as possible.
Product: Debt collection

I have fraudulent accounts, I did not open on my credit report and I have contacted the credit bureau 's and credit companies to have the items fixed on my credit, but the items are still reporting on my credit and is damaging my credit history. 

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

Invalid Inquiries are reporting on my credit report 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

Portfolio recovery claims i owe three debts that i never knew about. years of disputing gave no results. talking with the company lead nowhere. i was willing to pay to get them to stop but they want too much for a debt that is not mine. what is worse, contacting them made the debt look like new on the credit reports. they told me that every time i call or contact them the debt renews and they plan on suing or arresting me. its a 10 year old debt!! they are mean and unfair and unprofessional.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 XXXXXX/XX/XXXX