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

I applied for and was approved for a united explorer credit card back in XX/XX/XXXX. At the time, I was on XXXX  in XXXX. My plan was to use the card to cover several of my expenses and spend {$3000.00} in 3 months to receive the XXXX bonus points that they offer. My address at the time was a XXXX XXXX XXXX XXXX, which is a valid USPS Post office for receiving overseas mail. The address was the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Unfortunately, due to issues with Chase, they never sent me a physical copy of the card, so I was never able to start spending. Even still, I was supposed to be able to make digital card purchases, however, I was not able to do this because you need a physical copy of the card to login to the account and activate the card. Because I never got the physical card, I was never able to use the card during the promotional period. I left my XXXX  in XXXX in XX/XX/XXXX, and immediately upon getting a physical address in the united states, I contacted Chase/United to get a physical copy of the card finally sent out to me. I received the card, and immediately started spending on it. I have since, spent well above the spending requirement for the promotion. Additionally, I did this because upon speaking to customer service, they informed me that I would still be eligible for the promotion despite the time elapsed, due to the mistake that they made. Thinking this was the case, I spent XXXX  of dollars on their card, thinking I would be getting the bonus after 3 months. Unfortunately, I then received a letter in the mail stating that I would not be eligible for the promotional offer due to the time elapsed. Essentially, not only did chase make it impossible for me to receive this promotion by not sending me the card in the first place, they also gave me misinformation regarding my ability to receive the promotion after finally receiving the card, causing me to spend money on their card, with no benefit to myself. As a service member, who served overseas on a XXXX, I believe it is unacceptable that I was taken advantage of in this way. And I am writing this in hopes that the CFPB will take action, and investigate this company for its misinformation and fraudulent practices, which are negatively impacting U.S. Service members abroad. I have spoken with Chase 's customer account specialists and supervisors and given then numerous chances to correct this issue, however, every time, I have been dismissed with no compassion, no remorse, and zero semblance of any accommodation for their mistake. They have informed me that there is nothing they can, will, or want to do for my situation. I believe these predatory practices should be stopped. Please help me in getting this message delivered to chase/united, regarding their United Explorer Credit Card . Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to unfreeze my credit report with Experian, which they say on their site can be done instantly online, or much more slowly via mail. I can't seem to get it to work after multiple tries trying to " crack '' their form to make sure they verify I am who I am claiming to be. I understand thorough privacy and security measures, but this is clearly prohibitive. Then, when I'm told to call their number XXXX and walk through a lot more of the same information giving, I'm simply told that I need to mail all this information in. They want duplicates of my full name, mailing addresses for the past 2 years, proof of current residence, proof of identify ( e.g. driver 's license ), AND social security card sent to XXXX XXXX XXXX, XXXX, TX XXXX. 

I don't know if the problem lies with information linked to the original freeze stays constant. So if one 's address changes by the next time an unfreeze request comes, it's ambiguous to know how to proceed. The most troubling of all of this is that for the life of me, I can not find a way to contact a human being about this problem. The above number is only automated for all options.
Product: Mortgage

This past Friday ( XX/XX/2019 ) I was the seller for a transaction closed by Quicken Loans and their attorney XXXX XXXX XXXX of XXXX MA. When I received the seller CD I noted two junk fees totaling {$250.00}. I requested they be removed but they were not. I requested a check for my proceeds be brought to the closing but was told the attorney had no checks and therefor he needed to wire the money. He sent the wire at the end of the day even though the transaction went to record at XXXX XXXX The wire was credited to my account today ( XX/XX/2019 ) and was short {$740.00}. The amount did not equal what the seller CD said I would be getting. I emailed both the closing attorney and my attorney first thing today. Having not hear anything for a few hours I looked the attorney up online and learned that the email address provided on the CD was not his work email. He has an email address and the domain for his law firm but gave a XXXX email address on the CD. The are multiple violations of TRID an probably a criminal complaint for the funds.
Product: Checking or savings account

Deposited large check. Bank put hold on until XX/XX/XXXX. On XX/XX/XXXX the bank lifted hold. Later on XX/XX/XXXX bank decided to hold again for another week ( total 8 days ). I was notified by emails. I wrote directly to them to decease and take off hold on XX/XX/XXXX. Also I call Federal reserve & " you '' to file complaint. On XX/XX/XXXX before I filed form ( this one ), I attempted again with the bank to resolve. After 15 minutes of hold time with the hold department, they claimed they would release check. I checked account online and check was released. However! ... 2 hours later the bank notified me via email that now my account is locked down until mid next week! So they appeased me in releasing the check but realistically they came in sideways and played with my account! The supplier of the large check has been notified and fully made statement that the check is solid with no problems and they released it on their part. So my bank is holding my account up for what reason?!! Not understanding due to my credit status has been impeccable!
Product: Debt collection

Portfolio Recovery submits and falsifies information regarding an out dated account each year. When challenged they will remove the account, wait about 6 months and renter the information as though it is a new account. 

They are pretending to be XXXX XXXX  a company who finance my XXXX car in XXXX. My car note was {$460.00} a month. 
My car has been paid in full for several years. 

The information for this account has been changed several times. It started with a purchase from XXXX which was sold to XXXX XXXX., who sold it to portfolio recovery when it was about to expire. Portfolio recovery falsified the date. Each time I dispute it, they remove it and return it as a new account with falsified dates. 
I received a line of credit from XXXX XXXX  in XXXX. I never used the card. They are using this information to make the charge look valid.
Product: Debt collection

Goldstein and Smith called my dads home phone- spoke with him and also left messages on answering machine that i have a legal suit in there office and i will go to jail unless i call them or they get payment from my father
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Chexsystem 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 personal credit card accounts and inquiries opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

There has been multiple harassing letters sent to me from Receivable Collection Services in the year XXXX regarding a debt from XXXX XXXX XXXX. I am not student at XXXX XXXX XXXX! I graduated in the year XXXX and I have cleared all my balances with any university I attended in XXXX and received my diploma as a sign that proves I cleared any student balance. It is very suspicious that in the year XXXX, when I am not a student, Receivable Collection Services is threatening me stating that they have a bill from XXXX XXXX XXXX. This is unlikely. It is suspicious and it is invalid. I request this collection agency to immediately suspend any collection activities or any other activities using my name. In addition, I request them to no longer contact me by mail. I previously warned this agency not to contact me by mail, however they contacted me again. I also mentioned to them that I am not a student at XXXX XXXX XXXX and such bill does not belong to me. However, it seems to me that they have been continuously threatening me by mail. They have threatened to sue in the court. I would like CFPB to investigate the matter and potentially stop Receivable Collection Services from further illegal activities such as threatening me to collect a bill that does not belong to me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX I dispute with XXXX the Public Record Information on My report and they answer on XX/XX/XXXX with a verified response. They informed me in the letter the information came verified from XXXX XXXX, which is impossible because XXXX XXXX remove this item from my file on XX/XX/XXXX enclose the letter for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a few accounts on my credit report for various reasons, I asked XXXX and transunion to do an investigation on these accounts, I waited for them to finish their investigation and they told me that these accounts are accurate. I then asked XXXX  and transunion to provide me with the method of verification, also any documents that they have for each of these accounts. I also asked for the information of each person that they spoke with in regards to these accounts, like their phone numbers, the names of each person and any documents that were given to them.XXXX and transunion decided not to provide me with anything, instead they told me that the accounts are accurate and that they belong to me. Now I am asking for XXXX and transunion to delete each of these account because they did not provide me with the method of verification that I asked for. What these companies are doing with my credit report is illegal because they have not given me anything that proves that what they are saying is true. I dont want to take their word for it, I want proof.
Product: Credit reporting or other personal consumer reports

I was going over my Credit Report when I noticed unauthorized marks and I want them removed. 

XXXX, XXXX & Equifax ( XXXX XXXXXXXX XXXX ) Balance {$6300.00} XX/XX/XXXX, ( XXXXXXXX XXXX XXXX ) {$540.00} XX/XX/XXXX, ( XXXX XXXX ) {$8800.00} XX/XX/XXXX, ( XXXX XXXX XXXX ) {$42000.00} XX/XX/XXXX, ( XXXX XXXX XXXXXXXX XXXX  ) {$150000.00} XX/XX/XXXX, ( XXXXXXXX XXXX XXXXXXXX XXXX {$530.00} XX/XX/XXXX, ( XXXX XXXX XXXX ) {$540.00} XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Auto Financing Companies XX/XX/XXXX, ( XXXX XXXX XXXX ) Finance Companies XX/XX/XXXX, ( XXXX XXXXXXXX ) Automobile Dealers XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. Below I have provided the inquiries from each credit bureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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: Money transfer, virtual currency, or money service

I would like to file a complaint against Coinbase. I was hacked and out approximately {$30000.00}. They are stating there is no recourse. Funds were removed from my account unauthorized. I reported the fraud at the end of XXXX XXXX. I followed their procedures and locked the account. I was assured the transactions would not go through. My account was locked and took over a month to regain access and when I finally regained access the funds from my account were gone. Several phone calls and cases were opened with Coinbase. Customer Support would not help, would not provide me info to file a formal complaint and would not answer questions in regards to who they are regulated by. I initially opened a case with the OCC who referred me to the CFPB. I also opened a case with XXXX but have not heard anything in return. Additonally multiple phone calls to coinbase and they are stating that none of my funds are insured because I did not have a premium account. I was not aware of a premium option that you needed to pay for and would have never invested any funds if the funds were not secure. This was misleading and deceiving and there is no one that it can be escalated. I have called numerous times to be cut off and never called back.
Product: Checking or savings account

I went into the local branch to inform representatives that my account was fraudulently accessed. I also requested to close the account or even place a restriction on my account so the suspect can not gain further access to my accounts. I was denied such requests. I was then refused service to deposit my payroll. During the time my balance was {$2.00} cents. During my time away with no access to the local branch nor any means of communication with Capital One I have not received any mail correspondence from Capital One. When I became well enough to visit the local branch I recently learned Capital One charged off my account then took the money from a deposit recently posted. The teller acknowledge the fact that I came into the branch and notified of my accounts being compromised. My checking account was still in open status at the time although my payroll was rejected by another representative. Also my account should have never been charged off and closed. She also produced to me my available balance. She took notice that yesterday another female and her partner of a different race came in and spoke of the same problem with the only difference being the young lady balance was XXXXXXXX XXXX shorter than my balance. The young lady literally requested her funds and the teller next to her cashed the young lady and her partner out releasing all of her funds. I was sent to the branch on several occasions at the direction of the BCR claims team to retrieve my funds with a claim number. A branch manager tried to get me access to my funds as they are very needed. He had me deposit XXXX XXXX into my savings account to make my savings account active to transfer funds. He stated my account has a lot of notes and the fast way he could possibly get my funds was to transfer my funds or give me a cashier 's check. I did not get the cashier 's check because the back office refused to release my funds without admitting fraudulently closing my account. I have never been yelled at, discriminated against and treated worse than I had ever imagined in front of a full branch of customers, employees and my XXXX. I have a very stressed out XXXX. Capital One reprensation showed no remorse as they charged off my account very inappropriately. Now as we are homeless at the hands of Capital One as they refused to release my funds. I am currently leaving the branch for the 4th time where as representative are upset that my funds are clearly there but can't be released because Capital One without notification to me charged off my account then fraudulently took the charge off amount back and locked my account thus wanting to open a case to close and already charged off closed account. I have photo proof of Capital One fraudulently trying to fix what they fraudulently did to my children and I funds and all contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is violating my consumer rights, and federal law, by reporting a late payment onto my credit report. Pursuant to 15 USC 1666b, payments can't be reported for ANY reason. This is against my privacy, which is also a defamation of character. 

I've informed them more than 5 times to remove this, as it violates my privacy and is defamation! It has hurt my character, which has hurt the banking system. XXXX XXXX 's reporting of my payment history goes against the intent of the congressional purpose, pursuant to 15 USC 1681. 

I've also informed the Credit Reporting Agencies of this illegal activity, in which they continue to violate my consumer rights and federal law by reporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is depressing to see the Credit Reporting Agencies do nothing with regards to my appeals for them to remove the disputed items that resulted due to Idenity Theft. I have already sent nineteen dispute letters pointing out the fact that I was a Victim of identity theft and that I never received anything nor benefits as the result of the theft of my identity. With the Creit Bureaus decision to ignore my written appeals, they have violated the Fair Credit Reporting Act section 605b and I am planning to take legal actions against the Credit Bureaus. I feel like all XXXX efforts ahad gone to waste and that the Credit Bureaus liked seeing a consumer like me suffer because of their negligent and non-compliance. I have informed my legal council about my plans and they are willing to help me. Once again, I need the Credit Bureaus Remove the Following items pursuant of the FCRA section 605b as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Payday loan, title loan, or personal loan

RE : Revocation of authorization for debits Company : Balance Credit To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company.. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law. If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.
Product: Debt or credit management

LVNV Funding was laid off and they stated to me that it would be taken off my credit report and it is still showing a charged off balance. I have the receipt and all!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested the following information and it was not provided by the debt collector State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested Equifax remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner.