23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX/XXXX/15 my car was broken into at a park in XXXX XXXX ( XXXX, FL ). The thieves took my entire purse/wallet which held my license, Chase, XXXX XXXX, XXXX XXXX XXXX XXXX, insurance cards, car registration etc. Police report was filed ( XXXX, XXXX XXXX ). I immediately called my card companies, XXXX XXXX being 1st, then Chase. Chase was notified that both my Temporary card and inactivated debit card ( I had just received it ) along with wallet and everything was taken. Employee told me she canceled both cards and would not be able to send a new one via mail due to my account being relatively new. 
Friday XXXX/XXXX/15 my new XXXX XXXX card arrived and I called to activate it, XXXX I went to do groceries, new card declined - I called XXXX and they notified me they had an imposter at the bank earlier the same XXXX & the XXXX took ID and Card, ( @ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, Branch XXXX : XXXX XXXX XXXX ) - she advised to check other ACCTS I had in wallet. Immediately checked my Chase app and remaining balance was {$0.00} ( they withdrew {$750.00} from my account ). I immediately called Chase, told them everything ( how I found out via XXXX XXXX etc ) and filed a claim ( CLAIM # XXXX ). I was told to call back for address of branch when " transaction processed '' - Saturday morning ( XXXX/XXXX/15 ) .. I checked Chase APP and it was processed, called back claims department for branch address where withdrawal occurred ( @ CHASE, XXXX XXXX XXXX XXXX XXXX FL XXXX ). To my surprise, even after both incidents my account STILL HAD NOT BEEN FROZEN for my security/protection.. until I called back XXXX Morning ( even after calling regarding information theft on XX/XX/XXXX and imposter on Friday XX/XX/XXXX ). The freeze did not take place until XX/XX/XXXX. On Friday XX/XX/XXXX I called to see the status of my claim and status of the credit to my account - to my utter shock I was told my claim was DENIED, a FIRM DENIAL ( wont be reversed ) due to " My lack of care ''? I told them XXXX banks were provided same information, same day and how could this be.. not to mention the LACK OF CARE on THEIR/CHASE part that they did not FREEZE my account or put an ALERT when I called with information regarding THEFT and SUBSEQUENTLY with a claim that they had an IMPOSTER which withdrew all my funds. I cant fathom this is appropriate? We do not live in a corrupt 3rd world country, where are the consumer/customer rights? Where does the line cross where the institution is negligent and acting inappropriate and against the proof where everything is documented? Phone calls, police report, XXXX banks with same information same client with different actions? Please let me know what can I do from here. Whether it was {$50.00} or $ 1500+ its the principle that Chase is not abiding by what an insured Bank claims to provide. I am in utter shock of this decision and the events that led up to this writing. I hope to hear from you soon -
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX XXXX XXXX : # XXXX, XXXX : # 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agency mav make an consumer report containina an of the followina 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 ( AX1 ) A person shall not furnish anv information relating to a consumer to anv consumer reportina agencv if the person knows or has reasonable cause to belleve that the information is inaccurate.
Product: Debt collection

Tried to call, but all operators are always busy and will not answer. I have no outstanding debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

its a 30 day last payment reporting on my credit report when I was never late on my payment
Product: Checking or savings account

I filled a claim with USAA about a fraudulent charge and give them a signed letter from the company that stated one of their employee 's fraudulently used my information and USAA says to bad! I have also tried to get in touch with XXXX XXXX who USAA stated in their response from previous claim that he would be happy to assist me ... I have tried to call USAA, chat with USAA in order to obtain his contact information and they can't seem to find him or I get hung up on!! I tried to close this account and was told I could not!!!!! I want to file an appeal and and XXXX XXXX to contact me ASAP
Product: Credit card

Chase wo n't close my account after I requested them to do so. Chase asked Security Questions that seemed to come from Googling A Chase credit card phone representative asked me all these ridiculous security questions that I did n't create. They asked me questions that they seemed to have may gotten through an internet people search. Because I sure did n't supply them with any of this strange info that they asked me. For example, 1. THEY gave me a relative 's name and asked what 's their birthday and how that person is related to me. Really! You 're GIVING me a family member 's name ... that I NEVER gave your company and THEIR birthday is a security question! 

2. They asked me what college I went to. ( I never gave Chase this information on what college I attended! ) Where are they even getting this information? Are they getting it from XXXX or random people search engines? Because I never gave them this info. 

3. They asked How long I lived at my current address. They asked me for past addresses. I never gave them past addresses. 

These are strange questions to be asked when you did n't set these up yourself as security questions. Its as almost as if they were Googling me. Security blocked my phone number and they hung up on me three times when I called back from a different number. Each time they hung up on me ... I was first transferred to security and they validated who I was first. Then put me on hold and hung up. The weird thing is that after I answered all of those questions with a rep, they told me I was n't myself and blocked my brand new never used card. I wanted to close it since it was so difficult to use and they would n't even let me close the card! They would n't even let me close the new " never used '' card that they would NOT let me use. Having a Chase card is terrible! I would not wish dealing with Chase on anyone. It 's not fair they they wo n't close my account after I asked them. I should not have to suffer with this being on my credit reports against my will.
Product: Money transfer, virtual currency, or money service

I made a purchase of a money order for an amount {$1700.00}, from the company, which turned out to be without funds, the company does not respond to anything nor does the place where I bought them,
Product: Prepaid card

On XXXX XXXX US Bank closed my account with a balance of {$1600.00}. Prior to.this the bank chose to.Freeze my.account leaving me in a very bad way where i.was unable to.get gas in my veichle, forcing me to leave my.at gas station where it got towed impounded and I lost it because I had no.way to pay. I won't elaborate the rest, it only got worse SMH. I elected to remove us bank as my institution for my unemployment benefits. I spent the greater part of the next year playing there hang up game as my funds were not refunded upon c! osing. 3 years later give or take and those funds are still.in there bank with my name attached.They claim for whatever reason the funds Will Not be released to me. I'm seeking relief for the way the bank handled my accoumt. How they broke the law and for the unfortunate set of circumstances that happened upon me during an already hectic time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm tried to start building up my credit scores but then when I tried to apply for personal loans or get get new phone plans or applying for credit card etc etc but I couldn't, because apparently my odds of getting approved are very low due to some denied transactions which I have very small informations about. I'm just wondering is there any way I can fix it?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Please close our loan so we may get our keys to our home, we have had our first loan XXXX approval with assistant of {$23.00} then we only needed XXXX that lone Then we had the other loan {$57.00} with approval but with XXXX down, they found a new loan to cover the whole thing just need it score XXXX my score XXXX makes no sense somethings not right XXXX score was at XXXX dropped XXXX points something went wrong I have paid to help his Score to go up should go up to at least XXXX Or over After talking to XXXX His score was pulled twice Can they please close our loan
Product: Mortgage

I had a mortgage with XXXX. It was an illegal mortgage with many Respa andTIla violations. The mortgage was a balloon mortgage with a very high interest rate and very high closing costs. XXXX went out of business. There is no documentation transfering my mortgage to another company. XXXX XXXX is attempting to foreclose on my home even though they have no legal right to do so. The XXXX Loans Trust XX/XX/XXXX-XX/XX/XXXX they claim to represent closed years ago. There were no transfer documents to the loan trust. 
The people attempting to foreclose on my home have no legal standing to do so. I also became aware of money made on my home without my knowledge or consent. When my loanwas funded, XXXX presented my note to the XXXX and received XXXX times the face value. Later when I was in default, XXXX received XXXX times the face value of my mortgage. I requested the attached information from Occwen who is the present Loan Servicer. They refused to answer any question except for the whereabouts of the original loan document which is the foreclosure file of XXXX County Court. I received no other answers. According to law, I am due an answer. Also I am being XXXX out of {$100000.00} in equity using a fraudulent appraisal.
Product: Money transfer, virtual currency, or money service

PayPal.com limited my 3 accounts without prior notice in XX/XX/2021 and held {$22000.00} USD total balance for 180 days. PayPal support promised several times that they will release my funds after the 180 days pass. PayPal acted in bad faith and stole my hard earned money under the false claim of nonexistent damage. There was never any damage and PayPal took random arbitrary amounts to empty my balances through an obvious automated process at the 170 day from the initial account limitation for each account. I'm just offering social media marketing and management services. I never used any copyrighted material to promote my business and have never broken XXXX. All accounts legit and matching my passport. Transactions Details : - Account 1 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD ) - Account 2 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD ) - Account 3 : ( Date : XXXX XXXX, XXXX ) ( Transaction ID : XXXX ) ( XXXX USD )
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. XXXX XXXX XXXX XXXX XXXX US DEPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and this account balance needs to report {$0.00}. I have attached a copy of the settlement agreement dated XX/XX/2019 as proof. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus several times to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX td auto finance sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over nite inever heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from td auto finance and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when XXXX XXXX total my XXXX  after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and td finance did fraud with my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters over 45 days ago to this bureau and still have not gotten a resolution. The bureau is disregarding a regular consumer dispute. My credit is really holding me back right about now.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Checking or savings account

I dropped my debit card while I was on the way to work. The card was picked up by someone I don't know and used at 3 locations, resulting in my account having less than a XXXX  of funds. Shortly after I noticed this, I called the bank and informed them of the fraudulent charges. I communicated through e-mail as well. I have since not received any provisional funds, or otherwise. The account was provided by XXXX.
Product: Money transfer, virtual currency, or money service

I sent {$220.00} on XX/XX/XXXX and my friend contacted me the next day at XXXX letting me know that they did not receive the money yet saying that Western Union said that there was a problem so when I got word of this on XX/XX/XXXX I checked the status and it was saying that the money was paid out on the XXXX at XXXX XXXX. and XXXX Colorado and I do n't know how I have to pay is that possible when I sent the money to XXXX XXXX across seas and therefore it was picked up here in the United States so there for somebody that works for this company is stealing money and I want to I want it to be known and I need a refund somebody to reach out to me as soon as possible I can be reached at XXXX or through email at XXXX XXXX XXXX at XXXX my name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... CREDITACPT XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX XXXX  regarding a past due bill. They let me know that I could still make the payment to them which I did the same day ( account was paid in full ). Sunrise Credit Service won't remove their account from my credit report and I don't understand why because it is my understanding that once I paid XXXX XXXX XXXX  I was no longer indebted to them. 

If XXXX XXXX XXXX truly didn't own the debt they legally would not have been able to collect on it so I don't understand why Sunrise Credit won't remove the amount from my report.
Product: Debt collection

Portafolio Recovery Assocaites, LLC. Is calling me and send me statements for an account that I did not open and does not exist.
Product: Credit card

I attempted to open online savings and checking accounts the summer of XXXX. No deposits were ever made. Later I started receiving credit card bills to capital one. I have never had a card from capital one. I was an authorized user on my previous wifes capital one card. This card is current and paid and I have been removed as authorized user. I made this information available to capital one as did my previous wife, XXXX XXXX XXXX. She has authorized me to submit her phone number ( XXXX ) XXXX and her email address XXXX with the last XXXX digits of her social security card being XXXX. She is happy to explain. Capital One has created an account without my knowledge or permission. I refuse to pay. I am reporting identity fraud to all three credit bureaus and demand all fraudulent cards closed and my credit reinstated. Thank you
Product: Credit reporting or other personal consumer reports

Date of inquiry XX/XX/year> Unauthorized Credit inquiry and violation of permissible purpose According to my records, a credit inquiry was made by Consumer portfolio services ( CPS ) on XX/XX/year>, without my consent or any permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). Please send my written consent to authorize my Report, and if can not provide please remove immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Discovercard to find out what the " DiscoverPaymentProtection '' fee was on my account. I found out that I had been enrolled in this program since XX/XX/XXXX. I asked what is was and after they explained the plan to me, I said this might have been helpful to know when I had been out of work for almost 2 years and had to take time off to care for my mother during her XXXX/recovery from them XXXX her XXXX XXXX. I asked how I was enrolled, but after this period of time, they would not have any records of how I was enrolled. The agent stated that I would have been notified once or twice a year in the mail, but I stated when I receive anything from Discover it is usually Balance Transfer checks and I just shred them immediately. Anyway, I asked since I was not made aware of this, was I able to get the fees returned. She said if I cancel, they would refund me the most recent statement of {$130.00}. I asked if there had been a Class Action on this. After a few minutes on hold, she advise there was, but that I was not put on it and would n't have been notified. I asked why and she said she did n't know. I asked for the information and was directed to this site. I was n't sure what to do, so I am submitted a claim. I just want the fees returned. I did not know about it and if I knew, I would have needed it back when I was unemployed for about 2 years struggling and during the 3 weeks I was caring for my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan from LOBEL FIN, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called LOBEL FIN and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
Product: Credit card or prepaid card

On XX/XX/2015, my bill for {$63.00} did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. The account was closed and I now can not get a mortgage because of this mark on my credit. The company will not help me with this unfair situation.
Product: Checking or savings account

Since XX/XX/ Ive been dealing with chime about them closing my account and not receiving my funds back they asked me to send in every documentation to verify myself which I provided & they still keeping my money.i aint even asked them to send back to the original sender and they have not done so
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquires on my report from XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Cap One ( XX/XX/XXXX ), Cap One ( XX/XX/XXXX ), Cap One ( XX/XX/XXXX ), Capital One ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). I reached out to these companies regarding my concerns about these hard inquires and I never heard back from them. These inquires are negatively affecting my credit and I would like for them to be removed.