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

SUBJECT '' VACATING '' MY TREE VIRTUAL WALLET WITH PERFORMANCE SPEND RESERVE AND GROWTH ACCOUNT ILLEGALLY CLOSED IN PNC BANK XXXX MONEY IN THE ACCOUNT FRAUD .HELLO I DEPOSIT CHECK CASH IN ATM PNC BANK XXXX BUT BANK XXXX XXXX THEY WRONG DEPOSIT MY AMOUNT WHAT I REQUEST AFTER THAT THEY CORRECTED AFTER THAT I TRANSFER MONEY TO THE XXXX ATM BANK CHECK ON AMOUNT XXXX AFTER THATI WENT TO THE BRUCH TO PNC BANK AND WORKER CALL TO MAIN OFFICE TO THE XXXX XXXX WHO HARD LOCK MY ACCOUNT AND ASK ABOUT MY DETAILS WHY CHECK WAS RETURN BECAUSE MY CHECK HAS WRONG SIGNATURE ALSO BECAUSE I OWN THE MONEY TO DIFFERENT BANK SHE TOLD ON THE SPEAKER TO THE PHONE TO THE WORKER IN BRUNCH XXXX XXXX XXXX XXXX XXXX ILLINOIS TO BILL XXXX  AND HE TOLD ME I HAVE HARD LOCK ACCOUNT AND ACCOUNT IS CLOSED AND IS XXXX ON MY ACCOUNT.THEY ILLEGALLY CLOSED MY XXXX ACCOUNTS VIRTUAL WALLET WHAT IS JOINT WITH FAMILY NAME XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred money from my bank account to Kraken XXXX app. I was able to convert some currency from USD to XXXX and send it to a friend. Then I transferred another XXXX $ USD to Kraken and send a larger sum. This conversion we allowed but the sending of the XXXX was denied and i was told to contact support. Support escalated my claim ( Request number XXXX ) and i was contacted via email that my account was being closed without explanation. I requested information as to why the account was being closed numerous times and each time i was told that i cant be given the information as to why the account was closed due to " security reasons ''. They would not clarify further or show any security reasoning why i couldn't be told them. They closed my account but before the account was closed i was permitted to convert all of my money back to USD and send it back to my bank account. There were service/conversion fees involved in the transfers that i was NOT refunded and since i wasnt permitted to use their app/services to send money i feel this was a fraudulent account closes and they profited from the fees being charged. I would like to request an explanation why my account was closed or the exact security reasons why i couldnt be told this information. I would also like the fees refunded as the services were not rendered.
Product: Debt collection

I had a credit card with BARCLAYS BANK DELAWARE that charged off XX/XX/XXXX for an amount of {$2000.00}. I had some health issues which caused me to fall behind. I wanted to make a " settlement offer '' and try to get my credit card balance cleared up. Recently I contacted Barclays trying to find out if they would settle for half of the charge off balance, and they told that I would have to speak to an attorney it had been assigned to in order to settle for that amount. I called XXXX and XXXX and they gave me an amount of {$2900.00} which means I was charged an 69 % in interest and fees after they charged off the debt. I had moved to a different temporary location, and did not receive any additional statements after the account charged off. I requested the statements on XX/XX/XXXX and they had them sent to me, and it does show on the statements that they continued to charge interest on the balance that was charged off. I was advising XXXX XXXX that I was trying to pay the " debt the I owe '', but he said that they had set a court date for XX/XX/XXXX. First off, I am wondering how there is a court day and I have not received any info or been served for that matter, secondly if I contacted them trying to pay why are they trying to sue me, and third he said he sent something to me, but XXXX advised he had to update my address because he had the wrong address for me. So, if you sent me something and to the wrong address there would not be a way that I would contact if I have no knowledge of it. I think that the entire situation is deceptive and unfair on both parties BARCLAYS BANK DELAWARE and XXXX XXXX. I am more than willing to try and resolve this issue, but when I found out there were some questionable legal actions being taken and they did not contact me properly I wanted to report this and make sure that I am given a fair chance to settle this properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Last 4 digits of ssn : XXXX  To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} I, XXXX XXXX has received proof from Bank of America that they have certified to XXXX  that the following account ending XXXX is accurate and factual. According to 15 usc 1681a ( e ) investigation, it is clearly stated that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I feel like Im being taken advantage of and being ignored of my disputes. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an extension of credit by XXXX XXXX. On XX/XX/2022, I applied for XXXX XXXX XXXX XXXX account.Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). CXXXXXXXX XXXX  has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> and XX/XX/year> I made ADDITIONAL payments. My scheduled payment was made on XX/XX/year>. The company applied part of my additional payments to interest that had already been paid. They are charging me 3 times for interest within the same billing period. My account has NEVER been delinquent or late. When I called the number given in the email, it was just promotional material for some Medicare scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXXXXXX  Date of inquiry:XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have an item that should have been removed from my Experian credit report. All other credit reporting agencies removed the item after investigating. Experian did not and said they verified the validity. I called and spoke with a representative and she said yes we confirmed the validity. I asked about their process, specifically what documentation they reviewed to confirm the validity. She stated their only obligation is to reach out to the collection agency and if the collection agency responds within 30 days the item is valid, they respond to the dispute as " Verified item Remains ''. 
I have tried disputing the item again online and they wo n't allow it. 
In addition to the credit impact, where is the accountability on the part of Experian reporting agency? They provide and report information on me yet they do n't have to verify the information they are reporting on and are not responsible for providing the details of their investigations and how they " confirmed '' items.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXXXXXX  at approx. XXXX I received a message from a family member saying they had been contacted by XXXX XXXX XXXX on behalf of XXXX { Loan Shop. I called them and was told that they said they were preparing legal action to recover a {$600.00} plus fees for a total of {$1600.00}. for a debt they claimed I took out in XXXX. I do not recognize nor know about this debt. I asked for proof of debt documents and was originally told they could not provide this. After much conversation, XXXX XXXX XXXX emailed a debt verification letter. I asked for a letter from the lender and signed loan documents but received no reply. I contacted them again via phone to find out why they were calling family members when I asked them to only contact me. They said they would update their files. About 3 hrs. later I was told by a family member they had received a phone call from XXXX. I told XXXX that I did not know about this debt, never received collection letters, phone calls, etc. They said letters had been mailed to my current address which I never received. I asked for VIP Loan Shop phone number and was refused. Could not find on the internet. Have not been able to contact them. I googled XXXX XXXX XXXX and found scam complaints for loans not taken. I filed a complaint with the XXXX.
Product: Prepaid card

I have a prepaid card from chime my account was wipe out of {$4900.00} dollars I explained to them that my account was wipe out and told them some one has wipe out my account they ask me did I authorize anyone to use it and I told them no not at all I told them I clicked on a email that was sent to me about refund of {$19.00} they owe me I told them after I read email my account was wipe out clean they told me they couldn't do a dispute because I gave authorization and I told them no I did not I told them I need that money back in my account soon asap because that's was my XXXX XXXXXXXX XXXX XXXX XXXX  money for Social security administration because she's in need of XXXX of course they told me I'm sorry and they couldn't do anything so I done talk to 6 people all day and I screenshot the email to them and told them it came from your institution and they say no and told them that's you all email you sent me so I been disputing all day someone supposed to be helping but no money has been returned yet now I file a complaint with identitytheft.gov and now I'm going to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent debt validation letters to the following companies : XXXX XXXX XXXX ( XX/XX/2021 ), Holloway Credit Solutions, LLC ( XX/XX/2021 ), XXXX XXXX XXXX XXXX XX/XX/2021 ), and XXXX XXXX XXXX ( XX/XX/2021 ). 

XXXX : Has not provided proper validation of the debt owing to me Holloway : has not responded XXXX : has not responded XXXX  : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.
Product: Credit card or prepaid card

I seldom use this amazon credit card. It is registered in amazon so I don't have to look for the card, it is all entered in the portal. Last week I needed to ask about the details of the card, and I was told the card was reported lost or stolen. I TOLD THEM< IMPOSSIBLE because I had the cared in my hand and never reported it lost etc. I told them to fix the problem at XXXX XXXX XX/XX/2019 i needed to know how much my payment was due, and they told me the card was lost!! I spoke to supervisor XXXX XXXX flor manager from Chase in XXXX who told me the card was reported lost or stolen. I asked him to let me listen to me reporting it lost, stolen etc, or to show me an e mail, written note or voice recording advising of it being lost. He had no proof of it. The bank has made a mistake and closed it without my knowledge. I told him I need the card to pay something at XXXX XXXX today. That I am-OK to go to the bank to pick up a temporary card to make this payment. He said there is nothing he can do but I must wait 2 days or so to get a new card. That is not ok because I HAVE the CARD< and I already told them last week not to close the account. NOw I have no way to make a purchase although I have the card in my hand. 
The bank must show e proof ( verbal recording or written ) that I reported the card lost/stolen. WHO IS GOING TO HELP ME PAY FOR THE PURCHSe I HAVVE to MAKE AT XXXX XXXX TODAY? This is irresponsible banking. I can't wait 2 days for the card to arrive.
Product: Vehicle loan or lease

Credit exception us the loan on my truck they say I owe more than I do. They always saying I am XXXX behind. My payment is in every month now there saying I owe four more years when I only owe 2 1/2 years. I have the contract I singed I only took out XXXX on the loan. That was interested and every thing paid XXXX more a month on the payment to reduce the payment none of that went to the payment of The truck. What my next steps to fix these issues
Product: Debt collection

I had received a letter from Dynamic recovery solutions regarding a credit/ debit bank account that was supposedly opened under my previous name XXXX XXXX XXXX XXXX a bank in Nevada which I in fact NEVER had opened. I called the bank explaining the collection letter I received, they had searched high and low using my social security number my married name and my maiden name all which could not be found anywhere in their system..what I was told was to contact the XXXX and explain my situation and how these letters are trying to impersonate a company by saying they had an account when In Fact no such account has been opened and they are asking for the customers to repay the banks back giving discounts if we could pay back the money by a certain date.. I have not not will I pay anything to these scammers
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, there was a request from PayPal credit to pay {$790.00} to avoid a XXXX interest so I paid it after waiting for receipt of payment it came back as I paid XXXX XXXX XXXX XXXX called up PayPal immediately and they said they did not receive a payment it was a scammer they said don't worrie we will take care of it no worries then I called my bank institution and they said lets close your account immediately so we did all credit card and checking 's accounts I then got an email from PayPal saying thank you for reporting the case after ref=views we found that certain transactions weren't unauthorized and hence couldn't be covered by papal purchase CASE ID XXXX I have called multiples times and i get no answers besides PayPal from your from your wallet and now XXXX owe pal pay {$790.00} minus {$37.00} which I had in my wallet which is gone to now is being demand {$760.00} pay pal I never authorized a XXXX XXXX {$790.00} I have no clue whom this person is I authorized pay pal dept only they owe me {$37.00} XXXX love using pale pal debit cash app never had any issues please help with is this was truly a scam thank you XXXX XXXX
Product: Debt collection

In XXXXXXXX XXXX XXXX, I ordered two XXXX XXXX phones and two lines of service. XXXX XXXX shipped the phones to the wrong address, so I cancelled the order and decided not to get service with XXXX XXXX. XXXX then charged me for a bill that I never owed and sent it to collections when I refused to pay something I don't owe. XXXX XXXX does not have a previous account number for me or any information about because I never had wireless service with them, but they charged me for it anyway. Now, I have a negative mark on my credit report saying that I had owed {$100.00} to XXXX XXXXXXXX XXXX XXXXXXXX as of XX/XX/2022, and the account was closed as of XX/XX/2022. I have repeatedly called XXXX XXXX and the debt collector to fix this issue, and both are refusing. They tell me that I need to call the other company no matter who I call. This illegally charged debt has negatively effected my credit score and I need help getting this corrected as soon as possible, because neither XXXX XXXX nor the debt collector will do anything to fix this. 

Thank you for your time.