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

I applied for the Chase XXXX XXXX card because of the 0 % interest rate on balance transfers they offered in at least 3 mailers inviting me to apply for the card. I applied for the card on XX/XX/20, was approved for the card on XX/XX/20 after sending additional documentation and calling Chase. I received the card on XX/XX/20 and called to get my account set up and card activated on XX/XX/20. When I logged on, I did not see an option to execute a balance transfer anywhere on the site, so I called back. I was told by 3 different representatives that there are no balance transfer offers on my account at this time and that there is nothing they can do about it. The third person I spoke to told me I could eventually have an opportunity to do a balance transfer in the future if their marketing team invited me. 

I applied for this card solely for the balance transfer offer. The 0 % interest rate on my other business account expires on Wednesday, XX/XX/20, so I thought I would have plenty of time to initiate a balance transfer by applying on XX/XX/20, but now, Chase is telling me that's not an option for me. They used false advertising to lure me into an offer they never planned on giving me.
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraudulent account called XXXX/XXXX  on XX/XX/2020 to TransUnion but TransUnion has taken more than 30 days to investigate and today is XX/XX/2020 and this account is still not removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My XXXX was hacked through the Coinbase App. I had over {$7000.00} on my Bitcoins account and unfortunately they transferred them somewhere else. Coinbase never told me until now what they are going to do.

They tried again yesterday and swap my new SIM card. 

I need your help please in order to recover my {$7000.00} plus Bitcoins that I had through Coinbase. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
Grain Technology : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
XXXX  XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX  XXXX XXXX  Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( a ) ( 5 ) Section States : 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report. 

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.
Product: Checking or savings account

My account went into a negative balance for 1 day and then the bank decided to close the account even though this was the first time. They then held up my deposits to cover the balance for 2 days. It's in positive balance now, but they still say they're going to close it. I got a letter saying they asked me for more information and because I did not provide it, it will be closed. But they did not make such a request. Now I get an email from them saying my deposit statement is available online for my account ending in XXXX. But my account ends in XXXX. They may be upset at me because I filed a dispute for {$4900.00} against a moving company that ripped me off and would not pay for damages. It's outrageous that the bank decided in their favor. I did email them one heated message. Then I filed another dispute for the 2nd charge of {$1400.00} against the same company and they rejected that one also in record time. I feel the dispute call center in the XXXX is against me. I explained to them that the movers used my own shower towels & linens to pack my fragile items and broke my stuff, but they didn't want to hear it. This moving company is mentioned in over 4700 lawsuits ; they're notorious. I expected the bank to be there for me at this time. What a let down.
Product: Credit card or prepaid card

I rented a car in XXXX through XXXX XXXX and XXXX XXXX rental from XXXX to XXXX. I paid for the rental in full at pick up using my Capital One Credit Card. I returned the car on time. 

When I returned the car, nobody was present at the rental desk to accept the car. So, I parked the car in their lot and left the keys inside. 

The car rental company than charged my card {$100.00} for returning the car XXXX day late. This was a lie, as I returned my car in on time on the scheduled return time of XXXX. 

This was an unauthorized charge by me. The rental car company should not have had access to my credit card number after I paid for the rental in full at pick up. Capital One should not have processed this charge and owes me a credit of {$100.00}
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I never paid this credit card late. There are dates that the credit said Ive paid late which is inaccurate. This is an error and I want this fixed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received statement In XX/XX/. Billing cycle end XX/XX/, payment due XX/XX/ with balance due XXXX. I paid entire balance XXXX on XX/XX/XXXX. Come mitt assessed a {$2.00} minimum interest charge on the XX/XX/ statement even though the account at that time had a XXXX balance. This is contrary to the terms of the account which I have from the time of the opening. Because I was under the impression that I had a XXXX balance, which I did I did not evaluate to make further payments. Comenity continued to charge me late fees and interest on late fees on that two dollar balance that should not have been assessed to me in the first place. I did not realize until they started calling me in XX/XX/ that I even had any of these charges because again, I never should have been assessed the XXXX dollar fee in XX/XX/ in the first place. My credit report now indicates that I have a serious delinquency 60 day late payment from this creditor. When I contacted Comenity via phone, they reversed the late charges, but told me that I owed them XXXX dollars which I paid immediately just to be finished with the situation. I also at that time requested that they account be closed which they still have not done. Now strangely, on my open account, I have a credit of XXXX cents. Additionally, I have attempted to dispute this through XXXX, and nothing happened.
Product: Mortgage

We experienced a flood in our home in XXXX, XXXX. As a result, our insurance company XXXX sent us two checks in XXXX ( each over the amount of {$40000.00} for a total amount of {$100000.00} ) for reimbursement of costs we paid to various contractors for construction work, repairs etc. Then, we began the painstaking process of working with Freedom Mortgage to release our insurance money to us. FYI, we did not select Freedom Mortgage as our mortgage lender, our original refinance lender, XXXX, sold them our loan. XXXX XXXX incompetence started at the outset with the excessive hoops they made us jump through just to get the release process started which XXXX purposely makes complicated and burdensome on the homeowner. Finally, after numerous phone calls and emails we were able to get an inspector out to our home on XX/XX/XXXX when, per the adjustor, 99 % of the work was completed. Since then, we've filed the inspector 's report and have requested XXXX  to release our money since we are out of pocket in excess of {$100000.00}. They continue to hold our money for NO reason and we're going into the holidays without {$100000.00} of our money. We have no recourse against them other than filing this complaint. We fully understand why Freedom Mortgage has had to pay hefty fines in both XXXX & XXXX for various regulatory violations. Freedom Mortgage should not be allowed to operate as a mortgage lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX collection account # XXXX with XXXX, XXXX  and Experian as a fraudulent account. All bureaus except XXXX have removed this fraudulent account from my credit report and XXXX  has never replied to any of my multiple disputes. 

I also disputed the XXXX XXXX collection account # XXXX with XXXX, XXXX  and Experian as a fraudulent account and neither bureau has removed this fraudulent account from my credit report or replied to any of my multiple disputes. 

My disputes included a dispute letter to each credit bureau, Police Identity Theft Report, Notarized Fraud Affidavit, social security card, drivers license and 2 proofs of address.
Product: Credit card

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
The late payment listed on this account is therefore in violation of the above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SERVICES / XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I depots checks from my client, but I am no sure they pay me or not. I call chase bank many times to confirm the money in my bank. They said yes. after that I have to pay back for my client. but those checks wore retune not no money.. I lost {$34000.00}.
Product: Credit card or prepaid card

I have a balance transfer balance not due until XX/XX/22. Without me asking, in XXXX, they began a " deffered interest rate '' on new purchases until XX/XX/22. When I made payments, they credited the balance transfer balance vs recent purchases. This gave me less time on my balance transfer balance! I submitted messages & made phone calls but they still wouldn't fix it. I felt this was all illegal and wrong and closed the account. I attempted another try via message. Finally somebody listened and reallocated the payments. However they then charged me a balance transfer fee! I called and the lady said she agreed it was wrong and they were having problems with their system crediting payments to wrong promotions etc etc. She would submit a request to reverse the fee. It may take 2 billing cycles! 
I have excellent credit and pay close attention to this stuff. I know others do not and they are being scammed without knowing. I really feel an investigation is needed into this company 's practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate information on my credit reports. I disputed the accounts and still haven't gotten a response
Product: Debt collection

This company calls and harasses my home and mobile numbers several times every day from many, many different spoofed phone numbers. I have no - and never have had - any legitimate business dealing with them. I have asked them to stop calling, and they will not give me any information nor will they stop calling. They call all day long, from different numbers, sometimes calling both my home and mobile numbers at the exact same time.
Product: Debt collection

Alleged Original Creditor : XXXX XXXX Alleged Original Account Number : XXXX Alleged Account Number : XXXX Alleged Debt Amount or Balance : {$1000.00} I am writing to formally dispute an alleged debt that Pinnacle Credit Services , LLC. is attempting to collect. I recently received communication from Pinnacle Credit Services , LLC. regarding the above-referenced debt. This communication was received within the last 30 days. I dispute the validity of this alleged debt in its entirety and am requesting verification of the debt. Specifically, I request that Pinnacle Credit Services , LLC. provide a copy of any contract or agreement with the original creditor, XXXX XXXX, signed by all relevant parties. I do not owe the amount in question, and Pinnacle Credit Services, LLC.is illegally attempting to collect money that I do not owe. Furthermore, I request that Pinnacle Credit Services , LLC. cease and desist all collection activities, including reporting this alleged debt to any consumer reporting agencies. If any reporting has already been made, I request that they promptly delete it from my credit file. If these actions are taken within 14 days, Pinnacle Credit Services , LLC. will be excused from further verification of the debt. Please note that I XXXX escalate this matter to an attorney if Pinnacle Credit Services , LLC. fails to comply with these demands. Thank you for investigating this matter and ensuring that my rights as a consumer are protected.
Product: Credit reporting or other personal consumer reports

ive recently seen some received a copy of my credit report and noticed several inaccuracies and unauthorized, unverifiable accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Debt collection

I'm serious about suing your company if you don't fix my credit report! You've ignored my requests to investigate and remove the late dates, violating the law. Remove the negativity from the accounts I mentioned immediately, or I'll take legal action against you in my county. Your lack of professionalism disgusts me fix this now or face the consequences! XXXX XXXX XXXX. XXXX Date Opened : XX/XX/2017 Balance : {$5300.00} and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$4800.00}. Also, I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the cfpb... Please investigate this matter quickly.
Product: Credit reporting or other personal consumer reports

I am writing to formally report retaliation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX in response to my initial complaint filed against them. It appears that they have manipulated my credit collection balance negatively as a form of reprisal. This has also decreased my credit score. They claim they are working on this issue but clearly are not. I urge the Consumer Financial Protection Bureau to investigate this matter promptly, as it not only undermines the accuracy of my credit report but also raises concerns about the fair treatment of consumers in this process. 

Attached, please find supporting documents for your reference. 

Also, this company has reported the same debt under different " doing business as '' ( DBA ) names on my credit reports. This practice creates confusion and inaccuracies, violating fair credit reporting rules. Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this retaliation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

My mortgage is being serviced by NationStar Mortgage and I keep receiving robo collection calls even after notifying them that I am under Bankruptcy protection in a Chapter XXXX case.
Product: Credit reporting or other personal consumer reports

I recently was notified by a creditor to verify that I applied for a car XX/XX/year> and I notified them that I am a victim of identity theft a few years ago and was involved in the XXXX XXXX breach so they should cancel the application because I did not apply for any products or accounts. 
I noticed on my credit report that 2 fraudulent accounts were on my credit report and a few fraudulent inquires were reporting so I contacted XXXX XXXX XXXX and XXXX XXXX of the fraudulent accounts they said that it was verified that I own the debt I have requested from both companies to provide me the application with my signature but was told I cant get any information on the alleged debt that I owe because some of the information doesnt match. 
Attached I will show how XXXX reporting the XXXX XXXX Credit Card as a Authorized User and TransUnion has me as Primary Individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a public record on my credit report. Equifax said they investigated and the results were provided and confirmed by XXXX. The first issue is XXXX  should investigated the account themselves as stated by the federal law. I initiated a request from XXXX and they say they don't even have a file on my name or information. This public record should be deleted immediately from my credit report as it is incorrect and false.