23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I did not open the credit card there is a 4 digit security pin. On the card to get information. I do not know the pin and have asked multiple times for the pin to be removed. 

If I didnt open the card why would I know the security pin. They are denying me access because I dont know the pin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed one of my charges has a disposition of active warrant, however I do not have any active warrants, I am attempting to work for a delivery service and this is causing me to not be hired. When I submitted a complaint stating that my information was incorrect I was notified that any application there after would be on hold however I had another company send in for a background check the same background was given that contained inaccurate information.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FLorida XXXX SSN : XXXX | XXXX : XX/XX/1994 To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please remove all non-account holding inquiries over 30 days did and add a Promotional Suppression to my credit file. 
Thanks
Product: Credit reporting or other personal consumer reports

I am reporting XXXX XXXX XXXX as well as XXXX XXXX for their irresponsible, as well as illegal practices to which they have been in cahoots working together to push a fraudulent debt on me that I do not own or owe to either companies. I had a previous loan with XXXX XXXX to which I paid off completely both times and fulfilled my credit obligations to XXXX XXXX as I should have, but now as I checked my XXXX and XXXX reports I saw this fraudulent tradeline from XXXX XXXX XXXX on there and had to do research to find out why they were even on my credit. I found out they were collecting for XXXX XXXX  which is ridiculous because I dont owe them anything. Truthfully speaking I have been incarcerated since XXXX of XXXX  so there is NO WAY POSSIBLE I could have opened another loan with XXXX XXXX which shows that this whole situation is fraudulent. My legal representation is commencing with legal proceedings as well to bring proceedings if this situation isnt rectified immediately! I want XXXX XXXX XXXX XXXX to remove their fraudulent tradeline off of my credit reports ( XXXX, XXXX, XXXX ) and return this fraudulent debt back to XXXX XXXX. I have proof I was in jail, so there is no way I owe anything to XXXX XXXX
Product: Student loan

I co-signed private student loans for my son. These private student loans where than purchased by  XXXX   XXXX  and subsequently transferred to Navient. I am a co-signer on this loan with my son as the primary. In  XXXX    XXXX   during the transfer time between  XXXX   XXXX  and Navient my son became delinquent for a 60 day period on the student loan. There was no delinquency for 30 days only a  1 t ime 60 day delinquency. At the time my son was catching up with the payment of the loan and for several months could not afford the full payment however made at least 75 % of the monthly payments, and continued to always send in some payment. At the time he was adjusting to paying  XXXX  private student loans to  XXXX  different companies. Navient placed in  XXXX    XXXX   a  XXXX  time 60 day delinquency on not only my sons report but to my credit report also. As stated I am a co-signer on the loan a guarantee that it would be paid if my son could not pay it off. I have tried to rectify this negative reporting with Navient and with the  XXXX  credit bureaus reported to  XXXX   XXXX  and  XXXX . I have disputed with the credit bureaus with no success. I been meet with nothing but bitter commentary from Navient employees and was provided with no help to eliminate the negative reporting on my credit.
Product: Credit reporting or other personal consumer reports

I have not authorized these inquiries and am convinced they are deceptive. I urge you to conduct a thorough probe and swiftly eliminate them from my credit file.
Product: Student loan

On XX/XX/2018, I called Navient to see if I can get a lower monthly payment, They took my payment and reduced it from {$250.00} to {$180.00}. I agreed for them to withdraw the payment from of my bank account on every XXXX of the month. On XX/XX/2018, they withdrew the {$180.00} from my account. On XX/XX/18, the withdrew my old payment of {$250.00} from my bank account. I called on XX/XX/18 and spoke to a representative and she told me that they never cancelled the original amount, so that is why they took the {$250.00}. I then email the representative my bank statement showing where the 2 payment was withdrawn. She filled out all the paperwork and said I would have the money back into my account on XX/XX/18. I called back on the XX/XX/18, and the representative told me it was processed, and I would have the money back on XX/XX/18. I then called back on XX/XX/18 an asked what was going on with my refund, the representative e told me that they were sending me a check by mail because they didn't have my banking information for some reason. The representative told me, If I didn't have my check by XX/XX/18, then call back. Today XX/XX/18, I still have not received a check, so I called again, now they told me my account was overdue. The manager did fix the past due problem and said my refund would be here today. With this big XXXX up from Navient I received an eviction notice because I am late on my rent payment.
Product: Checking or savings account

I am a customer with Chase bank and on Sunday  XXXX   XXXX   I tried to make a transaction for about {$20.00} at a restaurant and was told that my debit card was declined. At first I thought that it might have been the merchant 's mistake. I then tried to use the card that afternoon for a {$30.00} grocery store payment and was told that my card was declined. This really was surprising since I had more than enough money in my account to cover both costs incurred that day. When I called  Chase ' s  " 24hr  '' Customer Service line, the woman proceeded to tell me that a restriction had been placed on my account. After much back and forth, she explained that the restriction was accidentally placed on my account by Chase. She then told me that the one dept. that would be able to help me was closed on weekends and that I would have to inquire about the matter on Monday in person at a bank branch. Of course in finding this out I was furious especially since  Chase was so negligent in not sending me any notification regarding the restriction being placed on my account, not giving me any additional information about the matter and basically not caring about one of thier customers. Thankfully I was able to go into a bank branch the next day and resolve the matter which took about an hour and event the person that helped me was having trouble at first ( which was at no fault of hers as she was very helpful ). Never in my life have I experienced such negligence from a bank. Chase handled this matter very haphazardly and extremely sloppy. I know they do n't care about my " Little '' bank account but regardless of the status of the account holder, Chase should be vigilant in correcting THEIR MISTAKES and their customers should n't have to feel li  ke they are an afterthought. I do plan on closing my account and taking my business to another bank. Shame on you Chase.
Product: Student loan

XX/XX/XXXX, I filed a voluntary Chapter XXXX bankruptcy Petition when I was unable to sell my XXXX XXXX house XXXX. At the time of my petition, I owed {$63000.00} in consolidated student loans to XXXX. XXXX placed me in forbearance during my XXXX XXXX XXXX and instructed me not to make any payments. XXXX later transferred my loans to Navient XX/XX/XXXX. Upon completion of my Chapter XXXX plan and bankruptcy discharge, I contacted Navient to resume payments only to find that Navient had added {$32000.00} in interest to my loans and the total amount owed is {$92000.00}. I lost my job XX/XX/XXXX and received an income-based repayment plan. I was not told that interest would be added to my loans or that I would end up owing 50 % more than I owed when the forbearance began.
Product: Credit card or prepaid card

On or around XX/XX/2022 Capital One closed my accounts without the secured party consent, after making billing error disputes. Pursuant to ( 12 CFR 1026 regulation z ) Capital One is in violation. Also, these said accounts are property of XXXX with equitable copyright claims on the public record in the State of Missouri. As a XXXX of said accounts I'm ordering Capital One to open the closed accounts expeditiously.
Product: Credit card or prepaid card

I am a XXXX XXXX, resident of XXXX, Texas. Customer of Discover with Card No end with XXXX. ( Discover Dispute # XXXX ) With great pain, I say that I have been Ponzi scammed. I learned the hard way that due to gaps in XXXX 's policies, scammers have a free run. Let me share my story with you. 

I was a newbie investor and signed up for a service that promised better returns. Initially, I had some gains and mostly losses. I continued to follow his investment alerts but started making losses. When I confronted him about the loss, he suggested that I join his private club where my principal/capital will be safe and make 2x-5x returns in a single day and I would get such an alert once a month.

After a lot of discussions and assurances, I signed up for his private club through XXXX by paying {$50000.00} ( Scammer asked me to make payment only through XXXX which I paid through my discover bank assuming it to be safe ). 

I received my sure shot 100 % signal in XXXX and invested {$75000.00} based on his alert and lost {$67000.00}. When I reached him for compensation as per the agreement, he asked me to arrange for capital again and this time I would receive a stock alert that would recoup all my losses and named it as " core signal '', which happens only once a year last time someone made +74,900 %. 

I felt all his words to be fishy and reached out to XXXX for help as he wasn't ready to refund the money that I paid. XXXX suggested to request credit card for a chargeback. I reached out to the merchant aka XXXX Based Scammer but no response either from their customer care or financial analyst. It is not only me, many others have reported this scam but discovel has choose not to do anything and this XXXX XXXX based scammers who are not even registered with SEC are looting many innocent people.

I urge your office to intervene and ask Discover to rescind the transaction as per consumer protection laws. As per suggestion from SEC, FTC, Police, I have registered a complaint with all authorities. 
Note : A police case has been filed against the scammer with XXXX Police with Case XXXX, Reported to FTC with report no. XXXX, SEC Submission Number XXXX & CFPB Complaint ID : XXXX Regards, XXXX XXXX Note : A police case has been filed against the scammer with XXXX Police with XXXX XXXX, Reported to FTC with report no. XXXX, SEC Submission Number XXXX & CFPB Complaint ID : XXXX
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve a dispute through experian credit agency about incorrect information being reported on my credit file. I filed a dispute and then another and was told that they will not dispute it again.I have several accounts being reported as charged off and balances when these accounts were clearly under chapter XXXX protection.
XXXX XXXX-showing a XXXX balance. XXXX XXXX showiing a XXXX  balance.
XXXX showing a XXXX balance. XXXX XXXX, charged off. According to FCRA " things that can not be included in credit report are currently owed and active, charged off, having a balance due, late or delinquent or outstanding debts.This also appears in chapter XXXX laws which I am protected.
Experian is clearly in violation of several laws of FCRA reporting and Chapter XXXX reporting I want the items listed on my credit report to be accurate and fair.
Product: Credit reporting

Derogatory mark of child support and the account has been closed since 2013
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Account Reporting Discover Account TransUnion Report Number : XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a XXXX account on my TransUnion credit report, referenced by report number XXXX. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information. I request that you promptly investigate and correct the following errors regarding this account.

Disputed Information : High Balance Discrepancy The high balance is reported as {$1100.00}, but previous records indicate a high balance of {$1300.00} from XX/XX/XXXX to XX/XX/XXXX. 

Incorrect Dates The date updated is listed as XX/XX/XXXX, which is a future date and should be corrected. 

The date closed is reported as XX/XX/XXXX, yet delinquencies are recorded beyond this date, which is inconsistent and inaccurate. 

Erroneous Payment History XX/XX/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 XXXXXX/XX/XXXX : 120 days late Since the account was reportedly closed in XX/XX/XXXX, delinquencies beyond this date are invalid and should be removed. 

Credit Limit Inaccuracy The credit limit is reported as {$2000.00} from XX/XX/XXXX to XX/XX/XXXX, which is factually impossible.

Request for Correction : Pursuant to 15 U.S.C. 1681i ( a ), I request that TransUnion : Conduct a reasonable reinvestigation of the disputed items.

Delete or correct the inaccurate information.

Provide written confirmation of the resolution.

Send me an updated copy of my credit report once the changes have been made.

I have enclosed copies of supporting documentation to assist with your investigation. Please update my credit report promptly and provide written confirmation of your findings within the required timeframe. 

If further information is required, please contact me at the information listed above. Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  retail credit card company failed to communicate due dates and statements in mail. I reached out to them and learnt They had no mailing address or email per conversation with their support rep. And reported me to experian as 30day unpaid dues causing damage to my report. I tried to work with them but they never fixed it. Experian also failed to fix it and never looked into my request seriously. I strongly discourage everyone to avoid retail credit cards no matter how much discount they offer.
Product: Debt collection

I HAVE TRIED 3 TIMES TO GET THIS COMPANY TO PROVIDE ANY PROOF THAT I OWE THIS DEBT. IT SHOWED UP ON MY CREDIT REPORT AND I HAVE NEVER RECEIVED PAPERWORK FROM THIS COMPANY. I TRIED TO CONTACT THEM AND I GET THE RUN AROUND. I HAD AN ACCIDENT OVER 4 YEARS AGO AND WITH THE SETTLEMENT WITH THE INSURANCE COMPANY, I WAS TOLD BY ALL OF THE HOSPITALS AND DOCTORS BILLING DEPARTMENT THAT I HAVE HAD EVERYTHING SETTLED. THAT WAS THE LAST TIME I WAS EVER SICK. 

THEY HAVE PLACE TWO COLLECTION ACCOUNTS ON MY CREDIT REPORT, WHICH DESTROYED MY CREDIT SCORE AND I'M IN THE MIDDLE OF PURCHASING A HOME, THEIR RESPONSE TO ME, WHEN I CALL THEM : JUST PAY THE BILL!
Product: Checking or savings account

My name is XXXX XXXX with square email : XXXX I have been using Square to process payment for my business but Square decided to deactivate my account and stole my funds. 

Since then I have had some contact with Square, but they refused to respond to me saying that I have disputes that needed to close first before they can send me my money. 

My funds was to be given to me 3-4 months ago, but Square has held my funds for many months without sending it to me. 

All disputes on my account was closed by XX/XX/2022 but square has held my funds for more than 3 months since then. 

I have {$1100.00} on my Square account which I need to withdraw.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several disputes of a chapter XXXX on my credit file. I disputed and ask EQUIFAX to renivestigate and provide me with proof this public record belongs to me, and who is the furnishing the information. EQUIFAX is giving no proof of investigation!! XXXX is just reporting it was investigated with no proof of where the information is coming from.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These are the fraudulently opened accounts XXXX account number XXXX date opened XX/XX/XXXX with a estimated balance of {$1500.00}. XXXX XXXX XXXX account number XXXX XX/XX/XXXX with a estimated balance of {$15000.00}, XXXX XXXX XXXXXXXX account number XXXX XX/XX/XXXX with a estimated balance of {$14000.00}. XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX with a estimated balance of {$7500.00}, XXXX XXXX XXXX XXXX account number XXXX, XX/XX/XXXX, with a estimated balance of {$3500.00}. XXXX XXXX XXXX XXXX, XX/XX/XXXX with a estimated balance of {$2000.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX, with a estimated balance of {$500.00}, XXXX XXXX  date open XX/XX/XXXX with a estimated balance of {$1900.00}, XXXX XXXX  date opened XX/XX/XXXX with a estimated balance of {$2600.00}, XXXX XXXX, date opened XX/XX/XXXX, account number XXXX with a estimated balance of {$2200.00}, XXXX XXXX  XX/XX/XXXX, account number XXXX, with a estimated balance of {$7000.00}, XXXX XXXX, date opened XX/XX/XXXX, with a estimated balance of {$4600.00}, XXXX XXXX, XX/XX/XXXX, with a estimated balance of {$2700.00} XXXX XXXX XX/XX/XXXXXXXX  balance {$1300.00} XXXX XXXX account number XXXX.