23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was told I would have a permeant credit of XXXX USD. Not the full amount of XXXX USD XXXX XXXX transaction. The issue is you guys are request more from me. I read the email you sent to my account online. I also called your customer service today. No one had a clue what was going on. I would like to know if my permeant credit is what it states. I received a letter via email stating I had a permeant credit. I am confused and would like someone to call me please.
Product: Checking or savings account

On XX/XX/year>24 I received a text that looked like it came from Chase Bank. It read, have you tried to send {$1000.00} using XXXX. Reply Y or N. If N, a bank rep will be calling shortly. I answered N and I received a call a few moments later. This person identified himself as XXXX XXXX from Chase bank and he was going to help me secure my account and reverse the charges. He told me someone from XXXX florida had hacked my account. He knew my checking and savings balance and then he proceeded to have me enter numbers into the XXXX  portion of the app telling me I was reversing the charges. He told me not to access my account until I received another call from Chase the next day. The next day came and Chase called back and had me do the same thing I did but this time from my savings account. He told me that I would get an email from Chase letting me know it was OK to access my account again. Well, I didn't hear from Chase for a couple of days so I called them and that's when I found out that those Chase agents were the actually hackers/scammers and they had drained my account of {$4000.00}. Chase seemed genuinely sorry for me, but then sent me a letter a week later saying they would not be adjusting my balance and that it was my fault and they had nothing to do with it. Then a couple days later I received an email from chase saying my data had been compromised in a data hack. So I contend it is their fault because the scammers that called me knew my bank balances which they could not know without access to my account.
Product: Credit card

My credit card company has been calling my place of employment telling anyone who answers the phone my credit card number, balance, address, etc.
Product: Checking or savings account

I.have a us bank checking and saving account on XX/XX/2002 A deposit was in the amount of XXXX thru the atm located at XXXX XXXX XXXX XXXX. It was held until the XXXX of XXXX. I have not seen those funds and us bank is not giving me a straight answer not in the branches not with the online banking agents. I never get calls back from managers or branch managers. My account also received a transfer of XXXX from a account I that I don't know about. That XXXX was then transferred to my savings account. I had no idea who made these transfers it wasn't me. Yet I am the one who is being held responsible for it. When us bank can clearly see where it came from. 

1. I gave multiple accounts with us bank yet they won't divulge any info. 
2 I am missing a XXXX deposit 3. I have XXXX in od charges yet I was given a refund or a waiver on my OD CHARGES. I am enclosing a copy of myXXXX bank XXXX.
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX TO WHO IT MAY CONCERN, THE ACCOUNTS LISTED IN THIS REPORT AND THE ATTACHED DOCUMENT ARE FRAUDULENT ACCOUNTS OPENED WITHOUT MY KNOWLEDGE AND CONSENT DUE TO IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute through the proper channel but with no satisfaction. Starting with certified mail : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau XXXX, Experian, and XXXX didn't address the reinvestigation policy and laws. The stamp of approval for the reinvestigation was not on the conclusion. The stamp is ACDV ( automatic credit dispute verification ) meaning when you send a dispute to the credit bureau electronically Oscar will get the dispute and send it out to the creditors being disputed. Oscar also stamps the dispute to the creditor. In return they have to verify 100 % of all information is correct. Without this stamp from Oscar, this investigation is illegal.

My next phase of action is Pre-litigation for all infractions on my credit report. I am looking for a lawyer who can take on my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been asked several times this year to remove XXXX XXXX  off of my credit report due to bill being passed that any medical bill under XXXX dollars is to be removed off of my credit report starting the beginning of 2023... I want XXXX XXXX removed from my credit report immediately.
Product: Debt collection

checking my credit report, i noticed a debt in collections. it says it originated with XXXX  XXXX XXXX, in XX/XX/XXXX. i was a customer of theirs, at that time. i cancelled the policy, WITHOUT ANY OUTSTANDING DEBTS. i contacted XXXX   XXXX first about this debt. they have no record of it. i am still a customer of theIrs and they have never tried to collect on it. 
i contacted the collection agency, XXXX XXXX XXXX, they can not or will not tell me what the debt is for. 
i will not pay a debt that no one can tell me what its for. THE AMOUNT IN QUESTION IS FOR XXXX $ i challenged this debt with XXXX. on XX/XX/XXXX.they investigated, and on XX/XX/XXXX completed that investigation. they can not give me an answer either.
Product: Credit reporting or other personal consumer reports

Fraudulent activity on my credit report. Please remove these XXXX items from XXXX XXXX XXXX. thank you.
Product: Checking or savings account

All our family has been a faithful customer of Capital One for over 20 years. Without any notice or explanation they simply closed our checking, savings and credit cards even when we always paid on time. 

Capital One is refusing to tell us why they closed our accounts. This placed a hardship on our family because many bills were being paid with the credit cards. My daughter was stuck in Collage without any means to pay for food or anything else until days later we mailed her another CC from a different bank. My wife could not pay for anything at the grocery store in total embarrassment to her in front of the store clerk and other customers. Many bills bounced all of a sudden and we did not know why since Capital One never bothered to give us notice or explain the closures. 

We always paid on time and never did anything illegal. Capital One did not allow us to explain anything since without notice they closed all accounts and are refusing terminally to tell us why. 

I know Capital One has been sued for the exact same reasons in cause no XXXX XXXX XXXX XXXX XXXX XXXX XXXX : on behalf of himself and all others : similarly situated, : : Plaintiff, : : Civil Action File No. 
v. : : ___________________ CAPITAL ONE BANK ( XXXX ), XXXX, a : National Banking Association, and even when they lost this class action lawsuit they continue doing the same wrongful actions against their customers. 

I want a full explanation and a reconstitution of all our accounts and CCs plus an apology.
Product: Credit reporting or other personal consumer reports

Disputed multiple accounts that are reporting inaccurately on credit report and the balances which are all incorrect. Transunion refuses to correct the information even when contacting and disputing for them to verify the information
Product: Checking or savings account

On XX/XX/year> I opened a checking account with PNC. On XX/XX/year>, I deposited a check from XXXX XXXX  for {$21000.00} from my attorney for a car settlement. I was then notified that a hold was put on the check. The check cleared several days later.They informed me that they are closing my account and that they will send me a cashier 's check. They are still investigating my account and have put a hold on it. They can not tell me any information as to when the hold will be removed so that I can get the check. I am a single mom and need the money to support myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX Collections reported to EXPERIAN that I had a XXXX  account in collections in the amount of {$2100.00}. This was a fraudulent account and has already been removed and blocked by Experian. On XX/XX/2021, I contacted Experian and informed them that this fraudulent account was already removed and should not be on my credit report. I also contacted XXXX and they told me it was a civil matter and there was nothing they could do. I have contacted Experian multiple times and pleaded with them to remove this info and they say it is active. They have not provided me with an answer as to why they would put this back on my credit report. Experian is not helping me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Bankruptc  y Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems due to the Fair Credit Reporting Agency Privacy Law.
On   XXXX   XXXX  , 2017, I sent certified letters to the Experian,   XXXX   and   XXXX   asking for documentation of validation associated with the bankruptcy.     To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that the bankruptcy is in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the items removed, I have called several times and written letters to the credit bureau with no help. Please remove the items below : XXXXXXXX XXXX  XXXX in the amount of XXXX. 
XXXX XXXX XXXX in the amount of XXXX. 
XXXX XXXXXXXX XXXX in the amount of XXXX. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX in the amount of XXXX. 
XXXX XXXX XXXX in the amount of XXXX. 

*****All items are showing incorrect info and should be removed from my credit report******
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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

Account : XXXX XXXX XXXX XXXX. Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card '' or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card is my social security card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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, and false information consists of a personal credit card account opened, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXX XXXX XXXX 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 # ( XXXX ) as proof from the US THEFT REPORT Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are NUMBER the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Your TransUnion Account XXXX / Inbox TransUnion This email was sent by the organization that owns the logo shown. 
www.transunion.com From : XXXX To : XXXX Thu, XX/XX/XXXX at XXXX XXXX  View in your browser TransUnion Dear XXXX, In order to protect your privacy, we've temporarily suspended access to your account because we were unable to validate your information. 

Please try logging in again later today. Alternatively, you're welcome to contact our Customer Service team for assistance. 

Sincerely, Your TransUnion Support Team 2024 TransUnion LLC All Rights Reserved. XXXX XXXX XXXX, XXXX, IL XXXX
Product: Mortgage

FIRST REQUEST/Sent to Account Manager : On XX/XX/XXXX when I sent {$40000.00} to bring the mortgage up-to-date, I requested a statement to outline how the funds were distributed, along with mortgage coupons. The amounts from the XXXX ( XXXX ) lawyers involved did not match the last amount from the mortgage company. According to the calculations when they all matched, I sent {$390.00} over the amount due. I advised in the letter dated XX/XX/XXXX, that I would be using the overage to apply to future loan payment. I included all the documentation I had received to-date from the lawyers and them. Please note that the {$40000.00} included XX/XX/XXXX and XX/XX/XXXX mortgage payments. 
SECOND REQUEST/Sent to Account Manager : However, when I sent the XX/XX/XXXX payment on XXXX, I still had not received the statement requested on XX/XX/XXXX. I made the check out for {$140.00} less, indicating to utilize the overage from the {$40000.00}. In addition, I included another letter requesting a statement of how funds sent to date were being distributed and also included the documentation I sent with the {$40000.00}. 
THIRD REQUEST/Sent to Payment Processing Center : However, prior to sending the XX/XX/XXXX payment on XX/XX/XXXX, the Account Manager contacted my lawyer and advised him to tell me to stop sending him the payments and that I needed to send the {$140.00}, I did not include with the XX/XX/XXXX payment and to send payments to the payment processing address. He also stated that they do not send coupons Now what mortgage company does not acknowledge receipt of mortgage payments. However, I still had not received the statement I requested on XX/XX/XXXX and XX/XX/XXXX. So on XX/XX/XXXX I sent the XX/XX/XXXX payment with the {$140.00}, along with another request for a statement and coupons, to the mortgage processing address supplied by the Account Manager. I also made a verbal request to my lawyer to request a statement. 
FOURTH REQUEST/Sent to Payment Processing Center : On XX/XX/XXXX, I sent the XX/XX/XXXX payment, with a letter requesting statement and coupons. 
Please note that my lawyer has also requested this information several times on my behalf. 
So now I am soliciting your assistance to obtain a statement of how the {$40000.00} sent in XX/XX/XXXX was applied, as well as statements for payments sent for XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : US BKPT CT TN XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : FED LOAN SERV ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : Federal District DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : A FED BANKRU DOCKET Number : XXXX DATE REPORTED : XXXX/XXXX I have disputed these accounts with all three credit bureaus.
Product: Credit card

On XX/XX/XXXX I called to inquire if they could refund a late fee due to my autopay not being set up for that statement. I also asked why am I being charged credit card protection fees. The representative explained to me what it was and I requested to be opted out of this. She stated she would and was refunding my {$30.00} late fee. 


On XX/XX/XXXX I called asking why am I being charged still for credit protection fees when I called in XXXX to cancel that service. The representative stated they would have to review the call in order to refund said fees and interest. 

Today XX/XX/XXXX I called to inquire why these fees are still on my account and where is the refund of {$190.00} plus the APR charged fees associated with these transactions. The representative explained they need to review the call. I stated this was supposed to be done back in XXXX and told be 72hrs. I requested a supervisor who stated : I see here in XXXX you requested to cancel the credit card protection and the amount owed it {$190.00} however we need to review the call for XXXX to ensure it was our error and that can take 3-5 business days. I stated you just said you can see that I called to cancel in XXXX but it was not done so why is the call being reviewed again. I am currently on the phone writing this and being transferred to another supervisor. I am beyond baffled that he admitted it and now wants to have the call reviewed again. I dont think they will ever refund my money and thats why I am filing a complaint hoping you all can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items : XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX .... Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$570.00} XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX  Date of request XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of request XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I looked onto XXXX XXXX and saw a collection for {$610.00} from Ad Astra Recovery saying it was opened XX/XX/2016. However i have no paperwork or my official signature to support that nor have i even taken out a {$600.00} loan.