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

This is in regards to a billing dispute that occurred on my Chase Freedom Unlimited card ending in XXXX. The billing dispute I will be referencing throughout is with the merchant " XXXX XXXX XXXX '' in the amount of {$700.00} posted on XX/XX/2018. This charge was disputed because the merchant performed services that XXXX XXXX my dog. I took my dog in for XXXX XXXX XXXX  with this business. After some back and forth, the merchant assured me, in no uncertain terms, that this XXXX would have absolutely NO complications for my dog. In other words, I was guaranteed by the doctor working at this place that my dog will not experience any adverse side effects from XXXX XXXX ( much less any XXXX XXXX  conditions ). This turned out to be a complete and unequivocal LIE. After the XXXX, my dog XXXX XXXX XXXX  and experienced a XXXX XXXX XXXX XXXX XXXX. My dog, a XXXX  pound puppy, was XXXX XXXX  and howling at XXXX in the morning after the XXXX. I immediately rushed over to the nearest emergency room and took my dog in to get checked by a licensed veterinarian. I was told that my dog was on the XXXX XXXX XXXX and he very possibly could have XXXX had I gone to the ER any later. The vet prescribed some temporary medication for my dog and told me to come back later when the hospital would be running with a full staff on hand. I later took my dog in to a separate hospital where the vet was able to better diagnose and take care of my dog. All in all, this fraudulent and evil natured XXXX  which nearly took my dog 's XXXX costed me an additional {$1500.00} in medical expenses. This merchant does not deserve a SINGLE PENNY for this XXXX that not only XXXX  MY DOG ( XXXX XXXX ), but also costed me an additional {$1500.00} in otherwise preventable medical expenses.
Product: Credit reporting or other personal consumer reports

I have noticed that XXXX, XXXX, and XXXX are reporting accounts, inquiries along with addresses that are not accurate fraudulent and being reported without my permission. According to the FCRA Tranunion, XXXX, and XXXX need my written permission to furnish anything on my consumer report, which they do not have. I did not give consent to any person to obtain my non public personal information. The reporting of these accounts and information are violating my right to privacy and defaming my character, which is hindering me from obtain credit. I demand that these companies cease and desist all fraudulent and inaccurate reporting immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name : XXXXXXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions
Product: Checking or savings account

On. XX/XX/2022. Capital One did what they refer to as charge back and took back money on a debit charge I had made on XX/XX/2022 For a cell phone service plan from my provider straight talk wireless which a division of Walmart. Capital One took back XXXX from straight talk claiming unauthorized purchase which was not true because I bought the phone plan. That in turn lead to my phone service being suspended which in turn cost me another XXXX for last 7 days of my phone plan. I contacted straight talk to see why my phone was off and they told me Capital One had taken back the money. When I reached out to Capital one and said they had no right to do that and that I wanted XXXX dollars credited back into my account for the XXXX they took and other XXXX I had to pay and they said no they weren't going to do that because they have no record of a XXXX transaction on XX/XX/2022. I then contacted straight 2 more times after and confirmed both times that Capital One called it an unauthorized transaction and was not approved. But straight told me 3 times that the transaction on XX/XX/2022 was an approved transaction. Capital one stole money from me for absolutely no reason whatsoever not to mention 25 days after I has made the purchase claiming that it was walmart trying to get paid for the XX/XX/2022 transaction which 4 different customer service agents at straight talk wireless said was not the truth that Capital one was the one who took my money. I have contacted straight talk wireless and asked for copies of my interactions with customer service where they assure me that Capital One had indeed took the money back. I wan na press what ever charges I can against Capital One fir theft and swindle and whatever else I can do. This action by Capital One was a blatant all out theft and they need to be held accountable because if I had done something like that to Capital One I know fir sure I'd be charged and expected to make restitution fir money I took. I want XXXX dollars from them minimum fir my time and suffering and the money they stole from me. Also criminal charges on them as well. Thank you
Product: Bank account or service

Charles Schwab will made a hard credit pull on my credit report when signing up for a new bank account. Lots of banks make soft inquiries but nowhere does it say that they will make a hard inquiry.
Product: Student loan

I enrolled to a program in Illinois called, XXXX. This school promised job placement upon completion with multiple certifications under your belt to promise you a good career path in IT. My brother and I attended what seemed to be XXXX of the last classes before this " school '' shut down and we were not placed in any jobs and lost all vouchers to take exams for certifications. I understand there are multiple lawsuits against this place and I would like to see if my brother and I are eligible to have these private loans forgiven. We have been paying these loans since 2008 and are not even halfway there. 

To the last question below. I do not have any hard copy contracts nor digital copies of when we enrolled. I do however have emails from the instructors and admissions office, if needed. 

All of this doesn't exist anymore and I'm sure our contracts have been deleted from the system. 

XXXX XXXX Admissions XXXX XXXX  XXXX XXXX XXXX XXXX XXXX of AXXXX XXXX  XXXX, ext. XXXX
Product: Checking or savings account

On XX/XX/2018 at XXXX, I went to the XXXX XXXX ATM on XXXX XXXX in XXXX , Ohio . I put my debit card in the ATM and started my transaction to withdraw {$250.00} cash with a {$2.00} fee for not using my ATM. I went through the whole process and a message came on the screen and said it would give me back my card then my cash would be dispensed. It then gave me back my card and right after that, the whole screen went black and it NEVER dispensed my cash. I waited for about 15 minutes and still nothing. The screen was then black and just said " Check Input Signal- Going to Sleep '' in white letters on the screen. I took a photo of the screen on the ATM so I had proof of what it said. I tried to call XXXX XXXX right after that but they were closed and the message said to call back during normal business hours. So first thing that following Monday when the XXXX XXXX branch opened, I called and spoke to someone at the branch and explained what had happened. The woman explained that they were having problems with the ATM and they had placed a sign on it saying it was down but someone had taken it off and that they had multiple calls about my same issue. They said that they were well aware of the issue and it happened to multiple other customers also. They instructed me to just call my bank and dispute the transaction and that my bank would then contact XXXX XXXX to confirm the issue and verify that I didn't receive funds and it would be credited back to my account. Well I did just that and the money was temporarily credited back to my account. Well I received the letter dated XX/XX/2018 that states that the dispute was denied. So I then contacted the assistant manager at XXXX XXXX who was the person that was handling all of the transactions and problems with the ATM being down. She asked me to email her any information regarding my issue, so I did. In the mean time, I emailed the Fifth Third Dispute Team to appeal the dispute denial. I also was told by Fifth Third that there was no hard copy information that they could give me that they used in their research because it was all done electronic. I also was in contact with XXXX XXXX the assistant manager at XXXX XXXX for updates with her progress. Well 2 days ago I received an email from XXXX XXXX stating that she was told that she was told that she was no longer able to pursue my problem and for me to contact Fifth Third to re-appeal and re-file a dispute for the 3rd time. I am not getting anywhere and I am getting very frustrated with all of this!! I will attach the emails & also photos etc. to my complaint
Product: Checking or savings account

My complaint is against Chase Bank. On XX/XX/XXXX, my mother past away. About two weeks later I went to Chase Bank, XXXX XXXX XXXX XXXX, XXXX, AZ and ask them if I could close my mother 's checking account. I was told that no one in the bank knew what to do, could I come back the next day. I did that for 3 days in a row and they could not tell me what to do. They then told me to call XXXX guess who. They told me to go the the branch office and they would take care of it. I had given up on them. Then on XX/XX/XXXX I received two checks from XXXX. One for {$3200.00} the other for {$180.00}. The problem is they are made out to XXXX XXXX XXXX XXXX  XXXX. There is no estate. So I went back to XXXX and I was told to take the checks to my bank and negotiate them with them. My bank just laughed. I think of how many people Chase Bank does this to and steals the money.
Product: Payday loan, title loan, or personal loan

Citibank loan payoff department operates irresponsibly, negligently and is purposefully misleading. Further, Citibank loan dept. refuses to send statements for closed Checking Plus accounts that have a remaining balance. I have made numerous attempts to have my monthly payments automatically withdrawn from my bank account. However, the bank has applied two payments directly from my non-Citibank checking account in bad faith. 

Despite numerous phone calls to Citibank loan and LOC dept., the customer service representatives either ( 1 ) do not know the procedure to set up automatic deduction, or ( 2 ) transfer my phone call to another department who does not handle loan or LOC payments. 

Citibank loan department operates in bad faith and egregiously violates basic customer service and lending rules for the general public by not allowing easy access for their loan payoffs and not allowing consumers to see their loan balances through either regular statements by mail or on-line access.
Product: Credit reporting or other personal consumer reports

I discovered an issue related to the charge-off of my credit card balance that has caused me significant distress. I have noticed discrepancies in the discharge of the amount on my account statement. 

The issues I am facing include : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. I was never informed of my right to exercise my nondisclosure option once my information was given to numerous third parties. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 12 CFR 1016.1 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. No opt out notice was given once charge-off was recorded on my credit report. 12 CFR 1022.3 Definitions states Identity theft means a fraud committed or attempted Anything added to my report without written consent by I the consumers consent is identity fraud. Based on the noncompliance of opt out laws and disclosures no written consent was given. 

Furthermore, 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
I have attempted to address this matter by sending an opt out letter to the financial institution nothing was done.
Product: Debt collection

LVNV FUNDING and RESURGENT CAPITAL SERVICES third party debt collectors attempting to collect a debt on the basis of fraud. This notice is to inform you that you unlawfully reported fraudulent account that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. COMMUNICATION WITH THE CONSUMER GENERALLY- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. Harassment or abuse. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 U.S. Code 1692 c. Title 8 USC 809. Validation of debts [ 15 USC 1692g ]. Reference ID : XXXX, account # XXXX and account # XXXX fraudulently opened in my name. I am a victim of identity theft and did not open this account with LVNV FUNDING and RESURGENT CAPITAL SERVICES. I have sent LVNV FUNDING, RESURGENT CAPITAL SERVICES " DEMAND TO CEASE AND DESIST '' As this request has not been honoured and they are in VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud and Intentional act of fraud. SEEKING RELIEF AND MONETARY DAMAGES UNDER 15 USC $ Permissible purpose of consumer reports1681b. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Intentional act of fraud. Fraud, deliberate concealment of material information. 15 U.S C 1692K Civil liability. I have file a lawsuit against both LVNV FUNDING and RESURGENT CAPITAL SERVICES. See you in court!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection reporting on my consumer report is inaccurate and the incorrectly reported item does not get deleted. I have never had the account alleged, and would like all documents furnished that the alleger of debt has on account in the name of the alleged debtor. I do not agree the current decision of alleged ownership of the debt account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$470.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$410.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2100.00}
Product: Mortgage

I contacted Wells Fargo Bank which holds my 1st Mortgage to get my PMI dropped, as the XXXX is under 80 %. I previously filed an XXXX complaint against Wells Fargo Bank as XXXX XXXX XXXX ( see attached ) that is presently being investigated. I believe that Wells Fargo Bank is retaliating against me for pursuing an XXXX complaint against them. All criteria for PMI has been met in accordance with the XXXX ratio being under 80 %.
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 how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blockingof the erroneous information which is being posted to my report. Here is the list of items that do not belong tome or were opened without my permission. XXXX XXXX XXXX XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX & XXXX Original creditor : XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX Balance : {$300.00} ; XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX. XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$11000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumeridentifies as information that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXXXXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting acXXXX ACCOUNT XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX Account number - XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankrupty on all 3 of my reports. I have never had a bankruptcy. I filed one then went back within 3o days and withdrew it. I feel it is unjust and it has caused me severe hardships so much that I couldnt care for my dad so he passed. I went homeless and stayed homeless for years because I couldnt find decent housing. It is not right or fair for me or anyone to hav e to go thru the same harsh punishment for filing a bankruptcy but never being declared or more less, never going in front of a judge. Just never persuing it at all, and a person that filed, went to the judge, got their bills erased, was declared bankrupt, and was under the laws of bankruptcy and eventually was released. It is unjust for the two different scenarios to have to go through 10 years of negative reporting. why does the credit bureau have the right to tarnish me and my name for something that never took place. Filing and being declared bankrupty is 2 different things. Filing to be declared bankruptcy isnt what I had or have. I filed just to start paperwork however, never finished the paperwork and was never declared. Yet my life has been ruined in many areas for the past 9 going on 10myears. Why do the bureaus have the right to abuse their power and who gives them this right? My life ruined because of power and money. They have no idea what it has done to my mental health. my emotional health, and my financial health.