23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX today XX/XX/XXXX to purchase a car, but they did not approve me because of negative accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U.S. DEPARTMENT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX ). My personal information birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my name and personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as the results of these accounts being opened. I need these accounts blocked as they are a result of identity theft and they don't belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. I certify to the best of my knowledge, all the information is true and correct.
Product: Payday loan, title loan, personal loan, or advance loan

This is a predatory loan with an interest rate of 700 %. It is illegal to charge this rate.
Product: Debt collection

The person managing my account at Alliant Capital pressured me into an agreement that was not fair, timely nor consistent with other pay day lenders repayment plans. I agreed to the payment plan on XX/XX/2018 due to the insane pressure, however, I decided to use my bonus to take out a loan from my 401K so I could pay all my debt and not file bankruptcy. I called Alliant Capital back onXX/XX/ to advise them I could not pay the XXXX on XXXX but I would have all the money by XXXX to pay the settlement. I also questioned why their settlement was so high asking for more interest and fees removed. I borrowed XXXX and paid XXXX. They are asking for XXXX. I kindly asked for a little more time and could even show proof I have requested money from my 401K. I reiterated that it was crucial to withdrawal this money so I could pay all my debts and not file bankruptcy. She was nasty, loud and did not care about anything I had to say. refused to cooperate, threatened me, and would not even consider asking for a little more time. Did not even offer a small payment for good faith this month and I could pay the rest in XXXX when I received my payout. She lectured me, pressured me, accused me. Every other lender I am working with has been more than willing to work with me and be kind. I ask that the company and she be reprimanded for their behavior, stop threatening tactics and be willing to work with the client. Obviously, we are in this situation because we are in a financial hardship. I would rather take a hit on my 401K versus filing bankruptcy. I ask that this company work with me to come to a fair settlement agreement. I'm sure I'm not the only customer who has been treated this way. She should have done everything in her power to work with me. Not lecture me, raise her voice, offer no solution, threaten to sue me, etc.
Product: Credit card or prepaid card

I have a problem with my closed Chase account which I closed on XX/XX/2021. 
Prior to closing the account I put a deposit for an XXXX in the amount of {$2100.00}. 
On XX/XX/2021, the owner from XXXX issued a refund to my closed account. 
Chase claimed they purged my account and they can't find it. 
Now I'm unable to get my refund due to me I have all the information from XXXX that the refund was accepted by Chase for the closed account including the XXXX number. 

I've contacted Chase Correspondent Department via fax on XX/XX/2021 and via mail on XX/XX/2021. I've yet to received any information from Chase regarding a refund for my closed account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Prior investigation In related to today 's complaint Which was submitted XXXX In my previous complaint I requested that the following be removed from my credit profile i requested closed accounts to be removed Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX opened XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX Date opened XX/XX/XXXX These accounts are showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. 
The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time. And I will be seeking professional representation the small claims court if the matter is not solved today
Product: Bank account or service

In XXXX I opened an account with Chase Bank in XXXX Ohio. On Saturday XXXX XXXX my wallet was stolen and my debit card was utilized for multiple transactions totaling in {$880.00}. My wallet was stolen at about XXXX XXXX, and I was unaware of its absence until approximately XXXX. I had miss placed my phone and was unable to call to report it stolen so I used a disconnected cellphone through its wifi capabilities to message an ex of mine whom I still shared an account. He called the visa card fraud agency at XXXX to report my cards stolen for me. First thing Monday XXXX XXXX I went into my local bank to report my card stolen. My personal banker spoke with the fraud department personally and filed the claims on the fraudulent activity for me per their specific instructions and informed me the money would be back in my account within 5 days. On XXXX XXXX I filed a police report with the local police, report # XXXX. On Friday XXXX XXXX I called the call center after work to find out the status of my claim and I was informed it was being denied because it was filed improperly. On Monday XXXX XXXX I went back in to my local branch to have them refile the claim since they were the ones responsible for the way in which the claim was originally filed and again my personal banker called and went through the process of filling the claim as he was instructed. Again my claim was denied, this time they said it was because of the short length of time in which I had been in business with them. I again requested to have it reviewed, this time the claim was sent to the executive office and again it was denied. This time they claimed it was because I was able to access it from a mobile device but I had not yet called to report it stolen. They acted as though they did not believe me that I was using a disconnected phone via wifi, and refused to acknowledge the fact they failed to deactivate the card after my ex-partner had called and reported it stolen through visa. I went into the branch the following day to see if there was anything they could do and they spent over an hour on the phone until they were informed there was nothing they could do for me and that they were to inform me Chase was terminating our relationship. On XXXX XXXX I received XXXX checks from Chase in the amounts of ; XXXX, XXXX. The XXXX for XXXX is the exact amount for XXXX of the fraudulent charges, the other does not match any of the charges. I do n't understand how they can pay me out for XXXX of the fraudulent charges but not for the remaining charges if they claim it was due to my behavior/actions.
Product: Credit card or prepaid card

was fraudulently charged by a merchant for services i did not agree to since there was no communication or documentation provided for what the charges were for. Chase simply stated that Visa 's rules don't allow for any grounds to fight this case and pushed me to drop the dispute with the merchant as they had given up and had nothing to do further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX PL XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$2300.00} XXXX XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX  I set up automatic payments to XXXX XXXX  from XXXX XXXX. 
On XX/XX/2023 the automatic payment went out on XX/XX/XXXX per my payment process. 
XXXX Mortgage reported the payment was received on XX/XX/2023. Which is one day past their deadline. 
On XX/XX/XXXX I was notified through my monitoring that XXXX XXXX  has flagged me as being 30 days delinquent on the account. 
After speaking with a representative of XXXX XXXX, I proved to them I had the documentation and that I paid it on time. 
I plead my case that there was some error with the bank, or them receiving it, I was informed since it wasn't an error specifically on XXXX XXXX, they wouldn't be able to update my credit report. 
I am only asking for a one-day adjustment.
Product: Credit reporting or other personal consumer reports

This is my refilling of my complaint to TRANSUNION for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Debt collection

In accordance of fair credit acts the list of accounts has violated my federal rights 15 U.S.C 1681 I have not XXXX giving permission for my info to be shared with. 
XXXX XXXX  XXXX 15 USC I have not giving written construction 15 USC Have violated my privacy
Product: Credit card

I found a bill that was sent to my address and I never purchased anything from the store. Now Im over XXXX in debt with them and never bought anything from them. I want this resolved fast so I am not the one responsible for something I didnt do.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding a collection account reported to my credit by XXXX XXXX XXXX  XXXX XXXX or its management company, XXXX XXXX. I served as the guarantor for my brother, XXXX XXXX, who leased an apartment from XX/XX/XXXX to XX/XX/XXXX. All rent payments were made in full and on time. 

In XX/XX/XXXX, I discovered a derogatory collection account had been reported against me. This was the first and only notice of any alleged charges. I was never notified in writing of any outstanding balance prior to this reporting. Upon formally requesting documentation, I received an invoice dated XX/XX/XXXX, which was sent to an address in XXXX, XXXX address neither my brother nor I have ever been associated with. This violates both the guarantor agreement, which specifies the proper address for notices, and XXXX  XXXX XXXX XXXX, which requires timely written notification of post-move-out charges. 

The apartment complex responded to my inquiry on XX/XX/XXXX, stating that the invoice had been sent to the forwarding address provided by the resident. However, they did not produce any documentation of what forwarding address was used, nor did they explain how that address was chosen. 

Additionally, the amount reported by the collection agency does not match the amount shown on the final invoice, and no explanation for this discrepancy has been provided. 

Despite my efforts to resolve the matter, the apartment has indicated that the derogatory account will only be removed after full payment, even though the debt is in dispute and was never properly communicated. This appears to violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and verified reporting, and deprives me of due process as both a consumer and a co-signer.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a legitimate ACH instant purchase transfer in the amount of {$35000.00} to Coinbase for a crypto purchase. This was to come from my XXXX XXXX  account ( see attached ). More than enough funds were available in the account for this ACH. 

XXXX, despite the funds being there, decided to reject the ACH ( see attached ) for whatever reason incorrectly without even contacting me causing the ACH to fail. 

COINBASE first sent me an email regarding my having 5 days to reinitiate the ACH which seemed more than fair and enough time for me to contact XXXX XXXX in order to do so. I did contact XXXX XXXX  and they released the incorrect flag and told me I could go ahead and do so. 

I was about to do so but COINBASE literally the next day instead of the 5 days promised, decided instead to liquidate my position instead without giving me the time promised. They did so at a slight loss ( {$1600.00} ) which I then IMMEDIATELY paid off. 

There was NO NEGATIVE balance on the account and the issue was resolved. Do you think a fraudster would have resolved the negative balance immediately? I had been in touch with COINBASE customer service to explain the situation and had proof of what had happened. 

I have been a COINBASE customer since XXXX and never once had an issue with ACH 's or anything. I went through all of their additional XXXX, etc. My account is legit and despite it SEEMING like fraud, it was NOT! 

COINBASE has restricted my account from BUYS and TRANFERS ever since XX/XX/XXXX without any due process! Due to their practical monopoly here, this is not okay. I prefer to use Coinbase to transact and they are blocking me from doing so! 

Mistakes happen and this was NOT my fault yet I am being blamed here unfairly! 

I have contacted COINBASE for months and even filed a formal complaint only to be denied ANY INFORMATION whatsoever regarding why I am still blocked from using their service! Their reply was to basically say " SORRY, but we can not reinstate your account privileges! '' and with NO REASON whatsoever given. 

It is completely unfair and unjust. They are a PUBLIC company and are getting away with treating people like criminals without any due process whatsoever!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XX/XX/25 Subject : Request for Debt Validation Dear National Credit Systems XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX I am writing to request validation of a debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing this debt and requesting verification of its validity. 


Please provide the following informatio 1. Proof that I owe the debt ( including the name of the original creditor and the account number ).

2. A detailed accounting of the debt, including the original amount, any interest, fees, or charges added.

3. Proof that you are authorized to collect the debt, including any assignment or purchase agreements.

4. Copies of any agreements or contracts I signed related to the debt.

5. Evidence that the statute of limitations has not expired on the debt. 
Until you provide the requested information, I respectfully ask that you cease all collection activities, including reporting this debt to any credit reporting agencies. 
Please respond to my request in writing to the address provided above. 

Sincerely XXXX XXXX
Product: Checking or savings account

I have been scammed. I am a college graduate looking for a new job on the job search engine named XXXX. 
I received an email confirming to a position I applied for as an XXXX XXXX. 
I, at the time did not look far into it. I was told that my job would consist of XXXX XXXX. Within a couple of days, I received a check under my name with the instructions to deposit and let the employer know when the funds would be available. The first check, was made to be of {$3800.00}. I deposited it on Chase 's ATM inside the bank on XX/XX/2018. The funds on the receipt stated it was going to be available on XX/XX/2018. When XX/XX/2018 came, the funds were available to use. I told my " employer '' that the funds were available. The first transaction I did, was a XXXX to XXXX transfer to another individual of {$2500.00}. The second transaction was XXXX Gift Cards ( fifteen ) the amount of each {$100.00} which came out to be {$1500.00} in total. 

On XX/XX/2018 my " employer '' says that I would be receiving {$4800.00}. When I deposited the check it said that the funds would be available on XX/XX/2018. On XX/XX/2018. I received an alert on the chase bank app. When I called Chase tells me that my account has been put under restriction due to the check of {$4800.00} being a fraud. Chase customer service explains that it would be sent back to the bank/ account where it came from. I asked why was the second check alerted and not the first one and they had no concrete answer. I asked what will happen once the checks are returned and Chase mentioned that I will have to repay what I used which was the first check that was available on the XX/XX/XXXX. I must have called Chase bank more than three times and there was no help or sympathy towards the situation all they kept mentioning was that after both checks were returned I had 7-10 days to return the money or else my account will be closed.

I would like you ( whoever is reading ) to keep in mind that I have denied permission for Chase to front any transactions if the funds are not already available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with equifax and nation XXXX XXXX XXXX. I have uploaded my drivers license showing my signature which differs from the signatures on the lease application, in fact the leas application shows the same exact signature throughout the application. this application is fraud which I told XXXX XXXX XXXX and equifax, by reporting this false information XXXX XXXX XXXX  and equifax are in violation of the FCRA, " FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete '' I will be filing suit for this violation for both parties " EQUIFAX " and " XXXX XXXX XXXX '' I want this item removed from my credit report immediatly, my drivers license shows my signature and that my signature doesn't match this application, I've been a victim of fraud some years ago, I was told that XXXX XXXX XXXXXXXX also has my drivers license, they should have seen my signature on my drivers license and knew that the signature didn't match, that means that this debt was willfully reported with knowledge of the fraud.
Product: Credit reporting or other personal consumer reports

From XXXX to XX/XX/year>, I was undergoing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never contacted GM Financial for any financial services. However, my credit report shows a new auto financing account from GM Financial, with an outstanding balance of {$23000.00}. The account was opened on XX/XX/year>, during which I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. Since this unauthorized account was added under my name, my credit score has plummeted from XXXX to XXXX. 

This is a case of identity theft. I have called GM Financial and XXXX to request an investigation, but their response has been extremely slow. I have already filed a report with the XXXX Police Department in XXXX XXXX, and the case number is XXXX. 

I have since retired and returned to XXXX XXXX, but GM Financial has caused a significant negative impact on my life. They have been irresponsible in promptly completing the investigation. Due to the damage to my credit, I am now unable to rent an apartment, and my life has been severely disrupted. I am seeking your assistance.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX  I went online to XXXX I placed an order and it was for {$26.00} and I paid it thru XXXX XXXX XXXX XXXX XXXX ( XXXX ) Then I seen a charge at about the same time for {$28.00} thru Citi Cards. I thought at first that is where I got the order that I placed at XXXX. So I called Citi Cards and disputed the overcharge of {$1.00} to make it {$26.00} and they did. Later I was checking my XXXX  account on line and it says that is the card I used and ( See attached ) I had wrote that on my receipt too. So I called Citi Cards on XXXX XXXX, XXXX  and disputed the rest of the {$26.00} amount. The lady I spoke with asked who lived in the house besides me and I said my wife XXXX and no others had the card. She noticed that was not the name, and I asked that was not the name of the person that made the purchase, and she said yes, NOT XXXX or XXXX. and I told her that was the XXXX card scammed in a row. She then tells me they will remove the {$26.00} within 2 days. The on XXXX XXXX I called back to Citi Cards and they had not removed the {$26.00} as they said they would and the guy says they didn't do it cause I or they had been disconnected, which is not true. So he says he will, and 7 days later on Citi Cards website, there is no dispute happening and nothing has been done so far, and the charge of {$26.00} is still there.