23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received my deposit last friday into my new acct. That same day someone hacked into my app and changed the email, phone number, and added a co parent. Then siphoned out {$16000.00} within a cpl hours. This is not even possible for me to do as it was a new account and I hadnt even had my physical card sent out yet. I had a virtual card i cud do online purchases with and use on XXXX pay to purchase only. Furthermore the bank has a limit to how much money can be transferred out in one day of XXXX so how could I have gotten out XXXX by transferring. I have screen shots showing I was in the app chatting with a rep when i was receiving notifications with codes to access the app. Showing someone else was attempting to get into my acct when I was already in it. And only a hacker could bypass the banks set transaction and transfer limits i cant ... .. they denied my dispute. So im supposed to be out over XXXX of my PPP loan for my small business now. No way, ive waited months for that money so i could help my business stay afloat and someone stole it all in a few hours. I want to cry ... ..please help me.
Product: Mortgage

I have been trying to purchase a property located at XXXX XXXX XXXX XXXX, XXXX, California XXXX since XX/XX/2016 from the property owner, XXXX XXXX XXXX. The Escrow Company has not been able to get a " payoff demand '' from Chase Bank who is the current holder of the property. The Escrow company has contacted Chase Bank several times to get the payoff demand but Chase is refusing to give them the information which is causing me damage as the buyer because of the delay. The Attorney that represents Chase Bank is named XXXX XXXX and he is also refusing to comply with our request. I have also made several attempts to call him and left several messages but he will not return my calls nor the calls of the Escrow Company. 
His email is XXXXXXXXXXXX I am asking your agency to intervene and investigate why Chase is refusing to give out the information for the payoff demand. 

Thank you for taking the time to read this complaint. 

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

Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off. 

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to XXXX  to change or remove this information and yet it still remains. 

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!
Product: Debt collection

I went to the hospital on a work related incident, I XXXX and slipped off the ladder at work. I got sent to the hospital. Once i got to the hospital i got an ekg, because I have a XXXX XXXX I was told at the hospital the my insurances covered my Bill 's, which I had state and XXXX insurance. I didnt get a bill or anything from XXXX insurance which is XXXX or from state. I recently reinstated my insurance from the state a month before. One day out of the blue I get calls from random numbers saying I owe money for a debt 4 years ago. I had no idea what they were talking about and didnt ask for my name, address, or anything that would confirm my identity. I asked them what they were talking about and said I had a XXXX XXXX 4 years ago, went to the hospital and now owe XXXX plus. I was upset. The hospital said I was fine, and that there was no need to pay.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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: Credit reporting or other personal consumer reports

DELETE XXXX  XXXX in accordance with the Fair Credit Reporting act 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

The beginning and current balaces due for XXXX XXXX XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XXXX XXXX2019.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Payday loan, title loan, personal loan, or advance loan

I was informed on XX/XX/2023 that the Louisiana Servicemember Civil Relief Act can be applied to any creditor over a 6 % interest rate while i was on XXXX XXXX XXXX XXXX stationed in LA. I tried to get them to apply this state law ( specifically section 29:312 ) to my accounts and receive a refund of anything in interest I've paid over including closed accounts and have my current one dropped to 6 % and was denied with no real explanation.
Product: Credit card or prepaid card

Received a mastercard from a company called Netspend in the mail today. I did not apply for this card or ask for it to be sent to me. When I called the management company listed on the Card facts ( XXXX ) I was told they do not mange the card and I would have to call a different number. I located a number online for netspend but when I contacted it I was unable to speak to a live person unless I activated my card or provided them with my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXccount # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and 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: Money transfer, virtual currency, or money service

I am a long-standing business client of HSBC. Last week we had some ACH fraud on our business account and lost {$120000.00} in a few days. I have been getting the runaround from all HSBC reps. No one is proactively able to help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled FOUR dispute with Equifax over inquiries that do not belong to me. I have submitted police report, FTC reports and notarized statements, including formal disputes through Equifax and they will not remove these inquiries. My profile has been flagged with having identity theft since XX/XX/2014 and all of these inquires occurred after that date while my account was locked. The last dispute i received a autoresponder message from Equifax informing me of how long inquiries stay on my report. The inquiries do not belong to me.
Product: Debt collection

On XX/XX/2021 I received a letter in the mail from XXXX XXXX XXXX XXXX requesting payment of a {$250.00} debt. The original debt was from a XXXX/XXXX  XXXX XXXX account ( # XXXX ). XXXX XXXX XXXX was offering a settlement of 50 % of the balance ( {$120.00} ) to satisfy the debt. They instructed me to make the payment at XXXX XXXX XXXX On XX/XX/2021, I made a payment in the amount of {$120.00} at XXXX XXXX XXXX to satisfy the debt. On XX/XX/2021, I received a notice from Resurgent Capital Services/LVNV Funding that the payment was processed and posted to my account ( See attached proof of payment ). The debt is still listed on my credit report and is negatively impacting my credit score. Not only is the debt still listed, it is reported multiple times by XXXX/XXXX XXXX and RESURGENT/LVNV FUNDING with the same account number, and for the same amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of Fair Credit reporting act this creditor XXXX XXXX XXXX has violated my rights! On this date XXXX & XX/XX/XXXX there was a late payment on my report as well as XXXX, XXXX, XXXX, XX/XX/XXXX. Under 15U.S.C 1681 sec. 602 states I have the right to privacy. 15 U.S.C. 1681 sec. 604 ( A ) sec. 2 a consumer credit reporting agency can not furnish an account without my written instructions. 15U.S.C. 1666b a creditor may not treat a payment for a credit card under an open end consumer credit plan as late for any purpose. 

Thank you for your time, XXXX XXXX
Product: Credit card or prepaid card

I want to complain about systematic false dispute '' " investigations '' by Chase Visa,  which deny and obscure facts to consistently find in favor of the merchant in disputes. Yet another example of this deliberate bias is described below. 
What happened : 1. On XX/XX/XXXX, I bought two tickets on British Airways  using my credit card at a cost of {$3100.00} 2. On XX/XX/XXXX, I changed one of the flights to an earlier one at a change fee cost of {$210.00} 3. On XX/XX/XXXX, BA canceled the new flight and put me back on the old one 4. Thus, the payment of {$210.00} was for a service that never happened 5. I am NOT disputing the cost of the tickets, I AM disputing the cost of a change fee for a change that never happened because BA canceled their own flight When I disputed this charge with Chase Visa, the card company misunderstood the case claiming that I HAD CANCELED THE FLIGHT, not BA. I corrected this in a written communication to Chase Visa ( attached ). I attached evidence of this - an email to me from British Airways ( also attached ). 

On XX/XX/XXXX, Chase Visa wrote to me ( letter attached ) with the result of its investigation, which reached an absurd conclusion : " We found the merchant provided the cancelation policy when you made the purchase and they dont have a record of cancelation meeting the policy guidelines. Of course, the merchants cancelation policy applies ONLY WHEN I CANCEL THE RESERVATION, it does NOT cover WHEN BA CANCELS THE RESERVATION!!!! Even a cursory glance at the merchants policy reveals this how can a complete investigation miss this? Of course BA would have no record of the cancelation meeting the policy guidelines THE GUIDELINES DO NOT COVER THE SITUATION WHEN BA CANCELS ITS OWN FLIGHT!!!! 

Chase Visa refused to return my {$210.00}.
Product: Debt collection

I have been on the DNC list. 
I disconnected my services from XXXX XXXX. 
It took them a few month to get my final bill to me. 
When the bill of {$150.00} arrived I made a partial payment. 
The next bill arrived I did the same. 
I made another payment leaving my balance of {$100.00}. 
When my check of {$36.00} was enroute to XXXX the calls from XXXX started calling me eventhough I was making payments. 
They are relentless calling about 6 times a day. I told them I would report them to the FCC and they continued to call. Why XXXX submitted my account to them is beyond me when I was making monthly payments. This telephone number is not associated with any name, plus they started calling within the right time frame. It 's still disturbing especially since I am a senior citizen and have sleep issues as it is. Thank you
Product: Credit card or prepaid card

This is a follow up complaint to complaint number XXXX which has been closed. I have had additional interaction with Capital One and the dispute has not been resolved to my satisfaction. In a very brief summary of the case, my husband used a Capital One Visa to pay for a ride from the airport in XXXX, XXXX to a hotel. He was told the card was declined, but our card was billed {$1200.00}. He paid {$40.00} in cash, which we have no receipt for. After I filed my initial complaint with you, Capital One refunded {$1200.00} to our account ( the original amount minus the {$40.00} quoted to us for the transport since we could not document our cash payment ). In a letter dated XX/XX/2020, they said they asked the merchant to respond to my claim. I just received a letter that they are billing the entire {$1200.00} to our account again ( not even giving us credit for the {$40.00} I have already paid ). They are willing to provide us with {$200.00} as a reward for our loyalty, etc. After speaking to four people today, I was informed that the merchant was not asked for and does not need to provide any justification for the amount of the charge since we could not provide a receipt for {$40.00} paid in cash or an invoice. Apparently there is no further dispute process if you do not have a receipt. I do not know if we would have had additional dispute options if my husband could have successfully gotten out of the car so that we could have legitimately claimed that he got no service. The scam was successful in that they pulled over right outside the airport, asked for his card and refused to return him to the airport after telling him the card was declined. It seems that scammers are reinforced for their bad behavior because they are not required to provide any justification for their charges.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . THIS INACCURATE INFORMATION VIOLATES THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) ( A ) FCRA 15 USC 1681i. BY THE PROVISIONS OF THE FAIR CREDIT REPOTING ACT AND PER THE STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX XXXX XXXX COMPLIANCE REGULATIONS, I DEMAND THAT THESE DEROGATORY ITEMS BE investigated AND DELETED.
Product: Credit card or prepaid card

Went to XXXX XXXX to make a purchase. At the register, the salesperson said they were offering a rewards Program based on points from purchases and I would get 30 % off if I agreed to get a rewards card. So I agreed thinking it was a points purchase program. It turns out they were processing a credit card application and I never asked for a credit card nor did they ever say it was a credit card! They snookered me and I was only informed it was a credit card after all was said and done and they gave me the power work. I tried to immediately cancel it and they told me it was too late and that I now had to take up the fight with Barclays. I spent hours not eh phone and they hit my credit report. Its fraud! They deliberately mislead the consumer and fraudulently and without authority apply for cards in consumers name! This just be a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone prudently opened an account with XXXX  XXXX in my name. 

XXXX XXXX says the account was opened in XX/XX/XXXX. I was a federal prisoner from XX/XX/XXXX until XX/XX/XXXX. 

I have send XXXX  XXXX a sworn and notarized affidavit concerning the issues but XXXX  XXXX still believes I lived in XXXX in XXXX of XXXX and had a phone in my name. Neither of which is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear Sir or Madam : Re :  XXXX Confirmation # XXXX I have approached XXXX XXXX XXXX XXXX multiple times to correct the fraudulently occurred reporting by XXXX XXXX . XXXX is refusing to remove the delinquent data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, causing difficulty to get refinance done at eligible terms. 

Similar approach is done to XXXX XXXX, who already removed the said item from my credit file with them and provided a confirmation to that effect. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a XXXX fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX account opened at XXXX XXXX # XXXX {$1000.00} opened XXXX, XXXX XXXX XXXX # XXXX {$620.00} opened XXXX these accounts have resulted in a fraudulent accounts appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency Equifax Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, account have resulted in a account appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  agreed to accept {$350.00} as payment in full to resolve the account. The call was recorded and I have the recording. I mailed them the check and in exchange they were to resolve the account in full but they are still saying I owe them Money. They did not follow the terms in the attached letter but they did cash my check. My balance should be XXXX and they should honor their agreement.
Product: Debt collection

I have XXXX filings in my credit for XXXX apartments that I 've never lived in. They are still on my credit report. I have letters explaining these issues. Also, I looked these properties up, they do not exist. Another company took them over and now are a different name. I do n't know what to do at this point. I 'm trying to live at another apartment complex and this is the only thing holding it up. Please tell me what I should do. This is very frustrating. XXXX is from XXXX, XXXX went to this collection agency in XXXX.