23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A hold was put on my savings account on XX/XX/XXXX for {$2200.00} which resulted in my account being negative of {$1800.00}. Then on XX/XX/XXXX they transferred {$100.00} from my checking account which left that account in the negative as well. I called my bank several times and then went into the office where I was given a number to call portfolio recovery for answers and then told that my bank sent me out a notice and I had to wait to receive it. I waited until XX/XX/XXXX when I received a letter from my bank which didnt give me any new information than to call portfolio recovery. Then I called them again and still only received a voicemail stating to leave a message. On Monday XX/XX/XXXX I received a letter from portfolio showing paperwork stating I owe them close to {$1500.00} and then fees they were adding on. The letter was dated XX/XX/XXXX and stated that I have 15 days from that date to file a petition intervention. The latter was stamped on XX/XX/XXXX from a zip code XXXX and then stamped by XXXX post office on XX/XX/XXXX. I have no clue of whom I supposedly owe this money to nor did I ever receive any documentation until yesterday from them. They are also requesting that I fill out paperwork stating what my monthly income and bills are. I am on XXXX ( fixed income ) and I can not afford to have my accounts overdrawn like this without knowledge or my day in court. 
Thanking you in advance for any assistance you can give me,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I just wanted to follow up. It's been over a month since I requested you to look into the inaccuracies in my report but you have not replied. It was on XX/XX/2021 to be exact and I was told that I should get some kind of response from your organization but I haven't so I am wondering what's going on for I am sure that letter was received. PLease lem me know what's going on and if you haven't taken action please do now. thank you
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXXnquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


I have not initiated any transaction with XXXX XXXX Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined unde

r title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In
general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Yours Sincerely XXXX XXXX
Product: Checking or savings account

The entire time my account was open I had money moved to CDs and other accounts without my authorization. I would have accounts open under my name. Have been charged fees for things I didnt authorize. I closed my account in XXXX.
Product: Credit card

Apple Card and Goldman Sachs have me in a Customer service spiral of doom. I never agreed for Apple/Goldman to allow for charges above the maximum and they also misrepresented their payment plan. Given the news on XX/XX/year> that Apple and Goldman Sachs are ordered to pay for lying to consumers, I need to learn how to remove all recurring charges to the Apple Card I closed in XXXX. Further, every month my credit score takes a hit and I have no options to resolve through Goldman Sachs nor Apple. Ive tried for months to contact the customer service centers of both and they tell me to contact the other. This predatory behavior is ruining my financial standing and I am my wits end. Please advise how i can stop Apple and Goldman Sachs from stealing from me and ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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

From XX/XX/year> to XX/XX/year> Clarity allowed fraudulent inquiries to obtain credit under my name and social. 
XXXX XXXX  and net credit are the other ones that I did not authorize. I am trying to build my credit and once I got it to around XXXX someone without my permission started trying to open accounts daily, weekly, and monthly. I am trying to get them removed and the company will not help me.
Product: Debt collection

I incurred a debt by XXXX XXXX  company about a lease property in Texas where i never resided or lived. I contacted them and told them I never lived in Texas and filed a police report on the matter and sent to the company.
Product: Money transfer, virtual currency, or money service

{$500.00} on XX/XX/year> i was supposed to get my money but I never received it Ive been trying to get done for about 5 years now still I havent gotten any help or response or call back no number to call them
Product: Credit reporting, credit repair services, or other personal consumer reports

wells fargo dealer svcs account on my credit report is in a class action law suit with wells fargo were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One-Business Card- XXXX XXXX XXXX XXXX On or about XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XXXX XXXX listed on my credit report. 
I notified Capital One in XXXX XXXX XXXX XXXX all through XXXX of XXXX them to verify these alleged late payments and that they are inaccurate-they sent me notification back as verified. I looked at my credit report once more, and still these late payments are listed and reporting on my experian credit report. 
Please see below what is on my credit report CAPITAL ONE ( Capital One Spark Cash Select for Business ) 5 LATE PAYMENTS Credit usage 60 % Balance {$600.00} Balance updated XX/XX/XXXX Credit limit {$1000.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 

I have spoken to supervisors, at Capital One sent notarized letters to CapOne still no results, they have infringed on my rights for far to long, Cap One has a new card for me, ,because my old one expired yet refuse to send it as retaliation for me speaking up for my right. - This is against the law for them to report inaccurate information on my report.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a trade line that is not mine. It is an account previously owned by another consumer and included in bankruptcy in 2018. I was an authorized user at one time and they keep reporting this and the balance. I am not an authorized user and I dont own this account.
Product: Credit card or prepaid card

The XXXX XXXX XXXX XXXX XXXX comes with the benefit of an annual Companion Ticket. 

According to the information given on the Website of Barclays ( https : //www.barclaycardus.com/servicing/rewardsHubResponsive? __fsk=-482126351 # rewardsBenefitDetails/EXCLUSIVES/EXCLUSIVE/63783 ) more information can be received thru XXXX However, this XXXX doesnt work. 

I contacted Barclays thru web chat. The agent just apologized and told me to contact XXXX XXXX. There is no substantial information she can give me on XXXX Companion Ticket restrictions and I am confused why I should contact XXXX XXXX. 

I also asked to report the issue and to provide feedback, once it is clarified. The agent did not commit to give me feedback. 

I am paying {$79.00} a year for a benefit which I dont seem to be able to get any information on. Sounds like deceiving advertising to me
Product: Credit reporting

In XXXX of XXXX I disputed many items on my credit report. I had no idea of how that action would negatively affect applying for a mortgage. In XXXX of XXXX, I contacted all the credit card agencies and had the dispute comments removed. I even have copies from XXXX and XXXX that the disputes have been removed from Equifax, XXXX and XXXX. 
The disputes showed up again as unresolved two days ago in my credit reports. I was told by Equifax and the others the only way to get rid of these, was to open up a dispute. This is crazy. 
My XXXX account was XXXX. Received a letter in XXXX stating disputes were removed and resolved. They had shown up as being resolved ansd disputes removed up until 2 days ago!! 
My XXXX card ending in XXXX had the dispute removed and resolved in XXXX. It was removed in all of the credit reports. I have a letter from XXXX showing disputes removed and resolved. Now they are showing up again as open disputes on my credit reports. 
Also my other XXXX card that has been closed for many years is showing up as an open dispute. Please help. This is holding up my mortgage loan. 

Thank you. XXXX
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : 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  If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The disputed accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no answer were ever received from you to date. Thus, your action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reporting of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are need to be corrected in my file immediately XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX XXXX Bankruptcy Case Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX has not reported correct credit card usage since XXXX. 

Can we get these companies that are required to update monthly do there job. 

This is showing that my XXXX XXXX credit card utilization is very high 90 % Thank you in advance for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine.
XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX Present Employee : As XXXX XXXX XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX Present Employer : XXXX XXXX There is no XXXX XXXX plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the Bureau was confirming this names they would no there not right there is no XXXX XXXX as stated. XXXX is all XXXX  which they have several there not no XXXX  company.
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX  no such address nor have I ever live there.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX wrong this is a condo not an apartment Transunion updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong
Product: Checking or savings account

Bank of America ID reporting that I did a fraudulent check to their bank. IT wasn't me. I was the victim of identity theft. I have a police report bit the incident is prior to report date. Because I found out about the account very late. I'm not Familiar with idenity theft until I was a victim. Please help me reach out to Bank of America recovery dept. I do t owe the bank a dime. It's the reporting of something I didn't do that's hurting me. Especially when I try to get funding or a bank account. I'm a U.S citizen I do t need to try and pull phony checks to get by. I don't know who to turn to at this point.
Product: Credit card or prepaid card

Multiple transaction over the last several months on my Chase Sapphire Reserve card did not accrue the stated benefit of 10 points for {$1.00} spent on Chase XXXX, as advertised. The amount that this affects is over {$500.00}. 

I have called to resolve but they said they will escalate the situation but I have not heard back from Chase.
Product: Checking or savings account

On XX/XX/XXXX an unauthorized charge of {$19.00} was charged to my debit card by a company called XXXX. 

On XX/XX/XXXX, another charge in the amount of {$39.00} was charged by the same company. 

On XX/XX/XXXX. I contacted my bank, Chime, to dispute the charges. At the time I did not know how or if my personal information had been compromised, but I immediately disputed the charges. 

I also contacted XXXX and informed them that any account made with my information was fraudulent and to immediately stop using my card information. 

I waited while chime conducted their investigation in order to be reimbursed for the {$59.00} taken fraudulently from my checking account. I was disgusted when I received their response DENYING my claim for reimbursement! I then requested the information and documents that lead them to deny my claim. The documents I received were ALL what I sent in support of my dispute! They had ZERO documentation from the company that made the charges. 

On the phone with the agent at chime, I was told that the charges were made in a state I was not and have never even been to. I live in XXXX. So I immediately escalated my dispute as I DID NOT AUTHORIZE VCOURDIV TO CHARGE ANY AMOUNT FROM MY CHECKING ACCOUNT! 

I was also informed that an account was never used within XXXX. No product being used should be the first clue to chime that I did not make the charges and that they were in fact FRAUDULENT! There was a lack of effort made by chime to investigate otherwise the claim would not have been denied. The chime institution failed me as an account client. They do not have my best interest and I can not trust them to correct fraudulent charges made to my account. This is not ok! All evidence was clearly in my favor, yet it was denied. In fact, during the investigation chime made no effort to contact me to make any kind of inquiry or to confirm/check any facts! Only the initial intake form of basic questions when I filed the dispute! That is NOT a proper investigation!!!! 

I was denied another legitimate claim previously and after this came to light how they are failing to properly investigate, I believe that denial was another failure to properly investigate as I sent even more evidence to prove my case, so I will be reopening that XXXX as well. 

All this leads me to believe Im not the only XXXX Chime has done this to. If they are allowed to get away with this, it could affect so many people ( and most likely has ) who trust that chime will do the right thing when it come to entrusting them with their hard earned money!
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, theur dispute resoluation process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Hello I requested to do an international transfer from my account in PNC Bank in the USA ( US dollar account ) to an account in XXXX XXXX XXXX XXXXXXXX ( US dollar account ). 
the amount is XXXX XXXX dollars. 
PNC bank exchanged the amount for XXXX dollars without my approval or notification, which resulted in losing XXXX dollars. 
I sent XXXX US $ and received XXXX US $ my first complaint is the unapproved money exchange from US $ to CAD . I did not request it. 
my second complaint is the low transfer rate that the bank decided to use. 
I asked the bank to reverse the transaction and they told me that I will lose more money if I do that.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXXXXXX Balance : {$76000.00} DEPTEDXXXX XXXXXXXX Balance : {$76000.00} DEPTEDXXXX XXXX Balance : {$76000.00}
Product: Debt collection

LVNV contacting me about debt that I don't owe to them. 
LVNV contacting me without my permission.
Product: Credit reporting

Equifax has a voluntary surrender of a vehicle on my credit report with an account they could not verify with actual documentation. The creditor refuses to validate the account and equifax just take their word for it with no documentation. They refuse to remove it off my closed accounts.
Product: Debt collection

they keep calling me from several numbers for a debt that is not mine. they are harrassing me.