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

On XX/XX/2020 i attempted to access my net spend card upon loading i was asked a 2nd authentication question in which it ask me to verify a text verification number to my phone the selected number already on there list was XXXX i selected it and a text with a code was sent to my phone. I fill in the verification code and entered it this locked my account with no explanation at all. I was told to call the customer service number and i did i was informed i had to speak to a security customer support agent. I was directed to a another person in which the i was left on hold for 45 Minutes with no answer i hung up tried to call back but there service was closed so about 1:15 minutes of wasted time in getting the problem resolved. in addition to that the first customer representative refused to tell me why the account was locked. 

on XXXX XX/XX/2020 I called there office back only to again be connection to another customer service Representative who refused to tell me why my account was locked and again transferred me to the security department again again i sat on hold for nearly 40 minutes before a gentlemen answered the phone this time he argued with me and refused to unlock my account and also refused to tell who what where and why the account was locked the man refused, i gave me my DL number SSN number DOB he stated what is a phone number i can text a verification code to i gave his the same number XXXX he refused to send it said that is not a number on your profile told me to log in to the account and change it to that number how can i you have my account locked and refuse to unlock it!!!!!!!! 

now 2 days later the government deposit is in the account and can not access any of the funds on account that is being held hostage by the net spend security force I have has this account for 15 years and never in my life have i been treated so rudely and what i consider a criminal action the net spend alleged security employee that refused to unlock my account. 

i now feel my right has been violated by that employee he is demanding i send in a copy of my DL a Copy Of my SSN card ( which is a Government Document only to be used with a Government establishment ) and several pieces of mail that have my address on it I cam now extremely concerned that the alleged gentlemen at net spend was attempting to steal and gain aces to all my information for identity theft and now has forced me to spend money with XXXX XXXX  to monitor all my information and social security information hence i have to pay for added security now as direct result of the Net spend Employee i am benign forced to send in all my information to this man at net spend alleged security and i am greatly concerned and fearful of net spend and there security man i feel afraid of dealing with the man in there security department I now have to spend money on extra security to be assured the alleged security man at net sped did not steal my information for personal use as well as now holding my account hostage
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove/delete this from my XXXX Credit report. I have disputed this several times and I was told by two of the XXXX  customers service representatives that if I went to XXXX County courthouse that it will be removed with the proper paperwork. I immediately completed the Steps and sent in the original copy certified mail .contacted state of ga revenue. Then contacted XXXX again and spoke with an XXXX supervisor representative. Can someone help me please I was told that if I followed XXXX steps that it could be removed before 7 years. I apologize for not paying back in XXXX I was going through some difficulties in life but I did get it paid in XXXX. Can someone please have a listening ear and a pure heart. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$110.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX  XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXX  Balance XXXX {$710.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt.

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt.

4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.

7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for them.
Product: Credit card or prepaid card

Someone opened credit card in my name. Comenity Bank Credit card and purchased merchandise from The XXXX XXXX.
Product: Bank account or service

on or about XXXX/XXXX/15 XXXX XXXX credit withdrew XXXX of dollars from my wifes checking acct when she was trying to make an automated payment of {$25.00}. a XXXX later, she was admitted to XXXX XXXX, and we were not aware of the problem until over a week later. we contacted XXXX XXXX, ( the credit card co ), and bank of America almost on a daily basis for a XXXX of weeks, this included several XXXX way calls with both companies reps. I have also made a couple of visits to the bank and spoken with the manager ( who by the way is short with me, and dismissive of my concerns. ) XXXX XXXX reps have been very helpful in trying to resolve this problem, but the mgr at the bank has been hanging up on them and totally unhelpful. the money was sent back to my wifes acct on wed XXXX from XXXX XXXX in the amount of {$500.00} but nothing has showed up in my wifes acct, which has been in the negative {$170.00} for over a month. this acct is only for her small XXXX check ( approx. {$200.00} mth ) According to bank of Americas rep, there is no record of this transaction, and the people at XXXX XXXX have a record of it being sent on XXXX @ approx. XXXX XXXX EST. I NEED Y0UR HELP!! I have called and called and as of today ( XXXX XXXX ) there is still no action, and the acct is still negative. I do n't know what bank of America is doing with this money, but they are totally dismissive of my concerns. please
Product: Debt collection

I cancelled my XXXXXXXX XXXX  service prior to eing evicted and they reconnected services without my permission and continued to charge me. I informed them when i cancelled that i was homeless and would call when i had another service address to reconnect.
Product: Credit reporting or other personal consumer reports

Applied for personal loan with XXXX. Denied because they could not verify my credit information/ application information. No clarity provided over the phone regarding what information was needed/ missing. Adverse notice provides close to zero explanation on rejection for loan. XXXX did not request to verify all loan application information before processing hard inquiry. XXXX representative assured me that I was preapproved and presented the hard inquiry as a mere formality. 

Experian was not up to date and could not confirm whether it should be updated automatically by Experian or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$22000.00}, XXXX  XXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

I've noticed that it's accounts that I have no knowledge of on my consumer report as a result this issue is hindering me from obtaining credit account 1 XXXX XXXX  XXXX account 2 XXXX XXXX these accounts I do not recognize please remove
Product: Credit reporting or other personal consumer reports

Please see the attached full explanation letter. Essentially, I was trying to make my mortgage and HELOC payments on the last day of the month they were due in. All funds were fully available in my bank account but the bank 's app wouldn't accept the payments and I was therefore reported to the credit bureaus for a XXXX late payment.
Product: Credit card

Dear Sir/Madam, I am writing to file a formal complaint regarding what I believe to be an unfair and deceptive business practice that is potentially misleading associated with my XXXX credit card account. Account XXXX : XXXX XXXX XXXX  XXXX Issue : XXXX allows customers to choose their payment due date, and my due date is set for the XXXX of each month. However, I have observed that while my payment due date is on the XXXX, the closing date of my billing cycle is not until the XXXX. This discrepancy means that the due date falls before the end of the billing cycle. As a result, if the credit card is not paid by the due date, I would incur fees, even though the billing statement has not yet closed. This situation is particularly tricky because it can lead consumers to mistakenly believe they have paid their bill in full, when in fact, additional charges and interest are still accruing. I find this timing arrangement to be unfair, as it could result in unnecessary fees and interest charges for cardholders. 

Impact : This arrangement creates a situation where cardholders like myself are at risk of incurring interest charges on transactions made during the billing cycle, despite having made the full payment by the due date. This could be interpreted as an attempt to trick and deceive cardholders into paying interest that could have been avoided if the due date were properly aligned with or after the closing date of the billing cycle. 

Additionally, XXXX is currently advertising a promotional offer that allows for a transfer of funds with no interest payments for XXXX year. Given this promotional offer, I am concerned that XXXX might be using this deceptive practice of setting a due date before the closing date in an effort to still assess interest charges and undermine the benefit of this promotional offer. 

Request for XXXX : I request that the CFPB investigate this matter to determine whether these practices violate any consumer protection regulations or fair lending laws. I am concerned that this may be a broader issue affecting other cardholders as well. 

Additionally, I would like my account to reflect a closing date before the due date and adjustment of any fees that may have been assessed due to this deceptive practice. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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

On XX/XX/XXXX, after complaining about an UNAUTHORIZED CREDIT INQUIRY by Quicken Loans, a Quicken Loans employee named XXXX XXXX retaliated by sending me a text from phone number XXXX that violated the Telephone Consumer Protection Act. In that text, after mocking my concern about my credit report, Mr. XXXX attempted to solicit me for debt consolidation : " Let me know if you want to consolidate all that CC debt! '' I don't know how Mr. XXXX gained access to my private credit information after I made it clear to Quicken that I did not authorize a credit inquiry. I would expect them to keep sensitive customer information secured. 

My privacy was violated when Mr. XXXX used that information to solicit me by text for debt consolidation services.
Product: Credit card

My card, ID & phone was stolen from XXXX XXXX XXXX XXXX while in residence. All my information was in my phone. I contacted CHIME @ XXXX explained that I only have my last 4 digits of the card ( XXXX ), my email. I need a replacement card sent to me at my new nursing facility, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I have an open case ticket # XXXX with Chime. They will not replace card dispite the many document sent to them. Bottom line is Im confined to a bed with XXXX XXXX XXXX, XXXX XXXX and recently had a XXXX XXXX. I need the replacement card to pay my XXXX home since my SS XXXX is deposited there.
Product: Checking or savings account

On XX/XX/XXXX, at XXXX XXXX  I gave a delivery driver a tip for {$12.00} on a check. The date on the check was XX/XX/XXXX. 

On XX/XX/XXXX, the check was cashed for {$1200.00}. The check is clearly altered. The word line says XXXX XXXX with XXXX written over dollars. The box says {$1200.00} On XX/XX/XXXX, I reported this as fraudulent to XXXX. The fraud department said they may have to close down my accounts. No information was given as to when. In this initial conversation I was told I'd get provisional credit ten days after I submitted the documents needed to fraud. 

On XX/XX/XXXX, I arrived at my bank to get money out. I asked the teller if I could still remove funds given what had been told to me by fraud. He assured me nothing would change on my account. 

In the following week, my account was shut off. I had to run to get everything changed for vendors and direct deposit. My work was switching over their payroll system and I had to run in to change things. I updated that on XX/XX/XXXX. My phone was turned off before I realized my account was closed. I updated my mortgage payment one day before it bounced. 

In subsequent conversations, I was then told that I needed to submit the documents within 10 days or nothing would be returned. I did not receive the documents until XX/XX/XXXX. I was told I opted to have them mailed. So I was under the understanding that I have the remaining business days of this week to get that in. The documents clearly state I have 30 days to get it in. 

Then I followed up with bankers this week. I was concerned about whether payroll would have been updated soon enough. In these conversations, I was told that I would not be given any provisional credit and that my home branch could opt in their discretion to give me back a portion until I got by. I was then routed to the XXXX XXXX XXXX  location that does not even have voicemail. 

From XX/XX/XXXX through XX/XX/XXXX, I was hit with three I've overdraft fees of {$36.00}. No mention to me that I wouldn't have the bounce protection I had on my old account. Even if I had been informed, I was running all over town making sure I wouldn't be in default. 

I informed USBank the predicament with the XXXX branch being closed. I was then informed that I was in the private client group and maybe that they would give me credit in their discretion. I spoke with them. They set up an ACH redirect for the old account to the new account. They were unable to tell me when I would get that ACH redirect. One person told me on Tuesday, XX/XX/XXXX would be the earliest. 

Now I realize there is less protection for paper fraud. But how in the world is this permissible? How can their very clear error be so egregiously be set on me to the point I'm paying more than {$100.00} in overdraft fees?
Product: Credit reporting or other personal consumer reports

Hard Inquiries CBNAInquiry : XXXX XXXX, XXXX + Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Banks XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal TBOM/MILESTO Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Banks XX/XX/XXXX Inquiry : XXXX XXXX, XXXX + BanksXX/XX/XXXXXXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX XXXX : XXXX XXXX, XXXX + BanksXX/XX/XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XX/XX/XXXXXXXX Inquiry : XXXX XXXX, XXXX + Banks XX/XX/XXXX Inquiry : XXXX XXXX, XXXX + Banks XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX OF XXXX Inquiry : XXXX XXXX, XXXX XXXX Reported : XXXX XXXX, XXXX + {$5500.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$59.00} ClosedXX/XX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XX/XX/XXXXXX/XX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XX/XX/XXXX Reported XXXX XXXX XXXX, XXXX + {$0.00} Closed OTHER ACCOUNTS XXXX Reported : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX View details Account Status CLOSEDXX/XX/XXXX XX/XX/XXXX Late XXXX 0 Age of Account 4yrs 10mos XXXXXX/XX/XXXX XXXX XXXX View details Account Status CLOSED XX/XX/XXXX XX/XX/XXXXLate Payments 0 Age of Account 8yrs 10mos XX/XX/XXXXXXXX XXXX XXXX XXXX View details Account Status CLOSED XX/XX/XXXX XX/XX/XXXX Late Payments 0 Age of Account 1yrs 1mos XXXX XXXX XXXX XXXX View details Account Status CLOSED Credit XX/XX/XXXX Late Payments 0 Age of Account 1yrs 2mos XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX View details Account Status CLOSED XX/XX/XXXX Late Payments XXXX Age of Account 18yrs 10mos XX/XX/XXXXxxxxxxxxxxxx XXXX View details Account Status CLOSED XXXX XX/XX/XXXX Late Payments 0 Age of Account 17yrs 1mos XX/XX/XXXX XX/XX/XXXX xxxxxxxxxxxx XXXX View details Account Status CLOSEDXX/XX/XXXX XXXX N/ Date Company Address Request Originator XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXAXXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX,,XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was hospitalized from an XXXX XXXXXXXX and I am still under medical care and this finance company stubbornly refuse to pay my monthly bill while I am XXXX. World XXXX is giving me a hard time and will not give support to the XXXX Company. They are pointing fingers at each other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX World XXXX is a gangster and criminal organization out to strong arm the consumers through devious means and should be imprisoned through their reckless and trifling conduct. The doctor has signed a XXXX XXXX form and it should be enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, Please see attached FTC Identity Theft Affidavit, supporting docs, and three forms of ID. 

I have been disputing one account item that is not mine and inquiries that are not mine and reporting on my credit report for several months. I have been the victim of identity theft many times and I now have a freeze on my report and the lock feature so my credit can not be run on all three bureaus. I still get notices that they are stopping inquiries and people are still running my credit without my permission. 

The first item is 1 ) XXXX XXXX  # XXXX I reached out to this company and they sent me a letter in writing that it was for services they provided on my behalf to " XXXX XXXX XXXX XXXX ''. I have never been to this XXXX in California and I reached out to that company and had the vice president send me an email specifically stating that I do not have an account and never have had an account with them Those letters are attached. I spoke to the rep with Experian and told him this was very frustrating and he said this way of filing was the best option. He also advised I had new attempts at pulling my credit from experian business services twice that day and my credit was locked but I was not applying for anything and gave NOBODY permission to run my credit. I simply want that account ( XXXX XXXX # XXXX ) removed from my report because it is not mine. 

Also, I have a list of unauthorized inquires that are also listed on my Identity Theft affidavit attached. I hope the new credit freezes will prevent this from happening in the future. 

Here are the unauthorized inquiries : XXXX XX/XX/XXXX Experian XXXX XXXX   XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX already stated months ago they were removing the inquiry but never did. 
So the items are the XXXX XXXX # XXXX and the unauthorized inquiries. Thank you for your help in clearing up this matter.