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

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions I authorized. There are variation of companies name, account numbers are incomplete, variations of balances. XXXX XXXX just continually update when I asked for deletion and not verification even though they have been sued. XXXX has been on my credit report for years refusing to remove themselves they use deceptive practices by using variations of their name to stay on consumer credit report. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and Trans Union all three agencies have had data breaches. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Product: Debt collection

Radius Global sent a collection letter saying that I owed XXXX to XXXX XXXX XXXX XXXX.I immediately knew that it was the wrong person or fraud because I have never signed up for any service for XXXX XXXX XXXX  except internet which I don't owe them ... I contacted XXXX XXXX XXXX  and Rsdius Global to let them know that it is fraud and Radius Global sent paperwork for me to fill out for ID theft to send to them so how are they reporting this information before the investigation for fraud has not been started... reporting this information is violating my rights by you continuing to report information that is not aacurate
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 an 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: Checking or savings account

Im writing to you guys as I have already reached out to my bank - Chase, on several occasions and Ive had an absolutely horrific experience with this bank. 

I am extremely disappointed because Ive been a Chase customer for over 10 years. 
And Ive never had an issue. 
But about a month ago I deposited a check for {$200.00} through their Chase ATM machine at one of their locations. 

As soon as the check was submitted through the ATM. Their ATM machine malfunctioned and shut off. 
And essentially ended up eating the check supposedly, according to them. 

I have literally spent over 6 hours on the phone with Chase.

Only to get transferred from one department to the next.

I have talked to l probably 100 people. Not even kidding you.

And NOBODY has any really solutions or any way to help me apparently.

They basically ended up telling me that I needed to take my missing {$200.00} and go to h*ll. 

I had probably 10 different people that work there actually hang up on me. 
Everyone was extremely rude. 
No one is willing to help. 

They even went so far as to tell me that if I didnt like the idea that they basically stole my money from me. 
That I would need to take them to court at this point if I wanted to try to pursue anything absolutely unreal. 

I just can not believe this bank. 
HORRIBLE customer service. 

The fact that they basically have stolen my money from me and are refusing to make this right, and the fact that they have made this whole ordeal a living hell for me to try to get my money back from them!! 

In addition to my statement I also included some documents related to it. 

The actual receipt that the ATM spit out after I deposited this money. 
And then also a letter from them on XX/XX/21 stating that they agreed and that the temporary credit ( they gave me while they investigated it ) was now a permanent credit. 
ONLY For them to all of a sudden decide on XX/XX/21 to deduct {$200.00} from my account due to this after they had told me it was rectified. Then they just decide to just take my money back instead? Unbelievable. 

It is not MY fault that THEIR machine malfunctioned. 
I just want my {$200.00} back. 

DATES : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21 ( Dates associated with the initial deposit itself, and then all the times Ive had to call and sit on the phone for hours upon hours ( over 6 hours total ) to try to get this resolved with nothing more than to be screamed at and have people hang up on me and tell me to get lost basically )
Product: Credit card or prepaid card

Chase bank issued me Chase Slate and Chase Sapphire Visa credit card accounts a year ago. At the same time I had Best Buy Visa credit card by XXXX XXXX. XXXX XXXX increased my limit over the time, but Chase Bank denies my right for credit line increase over time and by doing so denying credit tp customers. Having hard position not flexible. I was once told they randomly pick 10 percent of account for review. It is every single one of us 's rights for account review and credit increase over time. I paid back in good faith because I believed Chase lend in good faith. Never missed a payment, no late payment, no delinquency, ... They deny me credit by not increasing my credit over time. That 's crucial because It is essential to maintain 30 % or close to 30 % balance to credit limit ratio for best credit score practices ... I had not submitted credit limit increase application for hard pool for my Best Buy Visa credit card by XXXX XXXX for credit limit increase yet they did increase my limit over time. Chase insists and says The only way for them is we ask for and submit hard pool inquiry application to put inquiry in our credit report which credit inquiry removal is costly $ 30+ per inquiry removal. They lie because they are account issuer, at any moment they have ability to look into my credit report and see what is inside. I do n't buy their XXXX. I reserve the right to print this complain submitted and go to court against Chase whom their Executives do not get back to customers upon phone call complain and we have to fax or write a letter to them as the only way for them to hear our voice and to get back to us. They deny credit by refusing to increase credit limit over time to customers. I may very well stop paying back and escalate issue for court complain or arbitration or settlement if they do not soften their position. I am confused and I am thinking about my rights and options. The rate they have approved me for credit cards are rates they approve bad credit people not good credit people. I had XXXX score when I applied. Even they approved for auto loan at 8.9 % and XXXX dealership approved me 1.9 % They get outsmarted by others all the time. Chase Bank is abusing us. Please help ... Executives should be reachable by customers request from customer service or managers and get back. It is not customer 's job to earn their business. Its the bank 's job to earn customer 's business.. They have to be brought to justice for doing this to respectful US citizens whom deserve to be treated with dignity and respect not denying credit and being ignorant and negligent against them ...
Product: Credit card or prepaid card

Direct Express card is where I have my XXXX benefits direct deposit onto. They issued new cards starting with a different XXXX digit number, XXXX, and closed the Department that handles the old card starting with XXXX. It also closed the old card where I can not get the remaining XXXX payment balance. The company tells you to call the number on the back of the card but since the Department is closed the number doesn't work. 
I called the number on the back of the new card and they tell me they can't help me and that's where I'm at, can't use my remaining balance of my XXXX  benefit payment on the old card and no one will help at Direct Express
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation imposed on my PayPal account, registered under the email address XXXX. I firmly believe this restriction has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities.

I have been a dedicated PayPal user for an extended period and have consistently complied with PayPal 's terms and conditions. Maintaining a positive and reliable relationship with PayPal is important to me, and I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough review of my case, carefully considering the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient transactions, as I have done in the past. 

I sincerely appreciate your prompt attention to this matter and kindly request that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

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

Regarding XXXX about TRANSUNION.- Company did not research my complaint. I am claiming that the company " XXXX XXXX XXXX '' by their own admission is attempting to collect a {$710.00} Debt off of {$300.00} credit limit. By their own admission a XXXX XXXX interest rate was charged. This is illegal in NYS and is should not be on my credit report. You'll notice that it states that " this debt is past the statute of Limitations '' on the " forms '' XXXX XXXX XXXX has provided. Transunion is engaging in willful blindness and I would like them referred to the enforcement division of the CFPB. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Student loan

I made an electronic payment of {$5000.00} on XX/XX/XXXX to The Department of Education referencing my account number with MOHELA. The funds were withdrawn from my account on XX/XX/XXXX. Upon reviewing my loan account 3 weeks later the payment was not applied to my account. I called MOHELA on XX/XX/XXXX to ask why the funds have not been applied. They informed me the funds were never received. I provided proofs of payment and had my bank on the phone with MOHELA confirming the payment was made. I was told that it would take 90 days for the payment to process. I reached out again on XX/XX/XXXX to check status and was informed that it would take another 60 days. I waited that amount of time and reached out again in XXXX since nothing had been done. I received mail saying that the payment would be refunded. It has been well past the 90 days and well past the 60 days they promised to have a resolution. Still nothing. I called again on XX/XX/XXXX and spoke to MOHELA representative and they informed me the payment had been found but an account number was not associated to it. As such, the representative escalated the situation after reviewing my documentation and repeated phone calls and promised a decision would be made within a week whether the money would be refunded or applied to my balance. I called again on XX/XX/XXXX to find out what decision had been made and still nothing. They said they are still looking into it. This is unacceptable service and unacceptable handling of funds.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX ) I am Attaching identity and proof of address.
Product: Mortgage

On XX/XX/XXXX, I reached out to United Wholesale Mortgage ( UWM ), our mortgage loan service company, regarding cancelling PMI insurance based on Current Value. We have completed substantial structural improvements and fulfill the requirements set forth by UWM. On XX/XX/XXXX, UWM finally replied with details on how to submit our proof of the cost of improvements. On the same day, I emailed the proof AND submitted the written request with proof of costs of improvements. I have reached out on XX/XX/XXXX and XX/XX/XXXX to move forward with ordering a valuation on our property and have had no contact with the company. I can not speak to a live representative in the PMI department to provide a status. On XX/XX/XXXX, I used the Chat function on their website to speak to a general live representative who claims " I do not see anything regarding your PMI removal. "
Product: Debt collection

Direct recovery services contacted an acquaintance last Friday on how to get in contact with me, Ive never heard from this company directly until yesterday they tried calling me, they also contacted my dad 3x and step sister 3x yesterday alone, I called them last Friday and ask them to stop calling any person I know threatening legal actions, when I spoke with the first gentleman on the phone he stated a name and last 4 of social which at this point anyone can say there me and get the info in regards to this matter but now the harassing phone calls keep continuing and they will not stop
Product: Checking or savings account

Citizens Bank ( citizensbank.com ) sent directly to me via email on XX/XX/2023 the following offer... 

" Start saving monthly with a first new One Deposit Savings from Citizens account, and earn a {$50.00} bonus1 getting you one step closer to a getaway, wedding, car, college, emergency fund, or whatever your goal may be. 

Heres how it works Make monthly deposits of {$100.00} or more each month for three months in a row, starting the month after the account is opened. While maintaining those balances within the account, Citizens will add a {$50.00} bonus to your checking account in the fourth month. " I read the fine print, I completed the tasks, and waited to receive the bonus on XX/XX/2023 which is the date the payment was supposed to be made according to the offer. 

They originally stated it would be paid on XX/XX/XXXX, then on XX/XX/XXXX, they tell me since XX/XX/XXXX was a Sunday and XX/XX/XXXX is a holiday, that it will be paid on XX/XX/XXXX. Why not pay it on XX/XX/XXXX or XXXX or XXXX? It's now XX/XX/XXXX and still no payment. Spent at least 1 hour and 20 minutes on a phone call with multiple employees plus additional minutes on online chat with multiple employees to resolve, still not paid. I see other people on XXXX mentioning " bonus '' problem so perhaps this {$50.00} bonus offer was a scam that they have no intention of paying. 
It's also possible they have an incredibly incompetent team. I found additional phone numbers listed in my account that were never mine, so they must have done some batch database transactions that conflated information from different accounts, and evidently, they have no proper procedures to handle personal information, because if they did, there would be no way random phone numbers would appear in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

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 an account without my written instructions.
Product: Checking or savings account

My card fell on the street and was used without my permission because they even skipped my pin or something. I was planning to go inside a store and use an offer on the card but lost the card. Cash App would not help me get my money back at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 records 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 an alleged fraud or extortion.XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX   ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Product: Debt collection

Getting repeated calls from XXXX XXXX XXXX asking to speak to someone on their list that they are trying to collect a debt from. The people they tend to call about have my same last name and first initial, suggesting they are using intrusive automation ( I believe the term is 'raking ' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call and inform the credit bureau that there are plenty of mistakes and inaccurate details on my report. I have disputed them numerous times online and telephone. They still are reporting and not fixing the errors. XXXX XXXX  is reporting payments improperly. I have hard pull inquiries that I didn't authorize. I have asked for it to be fixed and removed, but nothing.
Product: Credit card

I got a notification from Wells Fargo that my XXXX XXXX was removed for the credit card unexpectedly on XX/XX/XXXX. I immediately called the bank which they said the credit card was closed by the bank and could not give provide a reason of this closure. 

Please keep in mind, my XXXX XXXX is high and I always paid my monthly dues even before the due date. This allowed me to have my rewards up to XXXX XXXX 

This closure will negatively impact my XXXX XXXX as I fully lost trust in Wells Fargo.