23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am a licensed attorney in the state of California. I have always paid my law student loans on time. I received robocalls that left voicemails on my personal cell ( my cell XXXX ) : 1. ) Fri XX/XX/XXXX at XXXX PT from XXXX, and 2. ) Wed XX/XX/XXXX at XXXX PT from XXXX. 

Both voicemails failed to identify the company name ( red flag ), but both left the same return phone number : XXXX. 

I called, today Wed XX/XX/XXXX at XXXX PT, and I spoke with " XXXX. '' I asked him what company he was with. He mumbled " Performance [ inaudible ] LLC. '' When I asked follow-up clarifying questions, it was abundantly clear that he did not want to disclose the name of the company or allow me to get clarity ( another red flag ). I surmised that the company was based in California because of the XXXX area code. I XX/XX/XXXX " performance LLC student loan '' and found their website : http : //www.performanceslc.com/. He hung up after 2 minutes, 47 seconds. 

I called a second time at XXXX and spoke with a woman. This time I requested that my phone number be removed. She said that they would do so. But there is no way they could have because they did n't even have my first name, and I called from my office line -- not my personal cell. She hung up after 33 seconds. 

I want them to remove my phone number, which they should n't even have because my phone number is on the FCC Do Not Call registry. I find their business practices underhanded and lacking in transparency. For that reason alone I would avoid them.
Product: Credit card or prepaid card

I applied for a  Chase Sapphire Reserve cr edit card  on  XX/XX/XXXX . I   de cided to apply since my  credit score fro m  XXXX , provided to me by  Chase 's Credit Journey web site -- which details personal credit history to Chase Bank customers -- was a  XXXX   (  it is now a  XXXX  ). And I have had a credit card with  Chase  since   XX/XX/XXXX   ( now it 's called th e Chase Freedom c ard ) ; my balance for this credit card has always been paid off each month.  <P/> A letter date d XX/XX/XXXX  from Chase  Bank stated that I was rejected for this C hase Sapphire Reserve credit card due to " lack of recent consumer finance company account information. '' This letter arrived to my home on  XX/XX/XXXX .   <P/> O n XX/XX/XXXX , I called Chase 's customer service to get further information on what their rejection rationale exactly meant. They stated that they could see that I 've had my credit card with Chase for 9 years, which has never had a delinquent payment. They saw that I had finished paying off my college loans in  XX/XX/XXXX .   <P/> However, Chase Bank was basing their decision regarding my application on my credit report from  XXXX , and not from the  one  provided by  XXXX .  <P/>   XXXX   XXXX   credit report for me, however, was erroneous, since  XXXX  had not reported any information from  Chase regarding my Chase Freedom card. And Chase  knew that this information was erroneous since they knew that I had an active credit card account with their company for nearly a decade.  <P/> I wrote to   XXXX   regarding this error, requesting my credit report from them, since I could not apply for or access my credit report on their website or over the phone -- despite giving them my personal information each time I inquired. Attached below is a letter ( with blacked out personal information ) that I sent to them  on  XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. 
I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. 

account : 1. XXXX XXXX XXXX  XXXX {$200.00} 2. XXXX XXXX XXXX XXXX {$840.00} Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Capital One credit card account with a credit limit of XXXX. Normally this accounts resorts to all three major credit bureaus however on or around XX/XX/2019 I noticed that XXXX  removed my capital one account without my permission. 
The account is still showing on my XXXX  and XXXX which is good. 

I contacted XXXX and they couldnt tell me why it was removed and they could not add the account back to my report and to contact the merchant to with I did. 

I contacted capital one and they said they are reporting to all three credit bureaus. They told me to contact XXXX. 

No one has helped me with this issue and they both is giving me the run around. 
This has hurted my XXXX  credit score like 200  points and I dont know what to do to fix this. 
I need some help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Account charged off. {$2500.00} written off. {$3400.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$3900.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Collection account. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 

FCRA violations : payments never late XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

I made a full monthly mortgage payment for {$590.00} on XX/XX/XXXX to Ditech it has NOT been applied to my account as of XX/XX/XXXX therefore misrepresenting the account status to me as well as credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered several inaccuracies.

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports. According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the chang
es.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer 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, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$880.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX Balance XXXX {$280.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$520.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$8500.00} ; ( Original Creditor : XXXX XXXX XXXX C ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$870.00} ; ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

Called XXXX XXXX on XX/XX/23 requesting documentation that proves I had an account with them. They were not able to provide the information. The XXXX representative stated I have to contact the collections agency. I contacted the collections agency to provide a letter with all detail information proving this account belongs to me and I have not received a letter yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Experian Credit bureau has failed to respond on the removal of the erroneous information about my inquiry. Sending them the last complaint, dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiry are continuously reported on my Credit Report. Therefore, Experian failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian, is obligated by FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reinserted information on my credit report that was not investigated nor validated. As I explained in previous complaints I am not a resident of Ohio, I do not own property in Ohio, I am a Nevadian, a resident of Nevada and has been so for almost 10 years. XXXX XXXX  has been reinserted when it does not belong to me, I have sent equifax my XXXX XXXX file whom equifax gets there information from which is a third party whom is not THE ORIGINAL FURNISHER! When investigating or validation the ORIGINAL FURNISHER is the only one that can validate a account. These third party companies does not qualify for disputes. I have sent in numerous documentation meaning passport, utility bill, XXXX XXXX credit file, and method of verification letters asking for documentation and equifax refuse to send the information requested. I continuously have disputed unauthorized inquiries and accounts an equifax removes everything that I did not dispute. Equifax has removed accounts that is in fact MY accounts that I did not have on the dispute making my credit and score look horrible. This ongoing situation has to stop immediately! I have seeked legal consumer representation and I will not stand for the Pre-made letters that equifax keeps sending to my home. I have built a paper trail and I send my disputes certified for a reason so if I have to sue equifax I will have all my certified documentation. THE ONLY ACCOUNTS THAT SHOULD BE ON MY CREDIT REPORT ARE : XXXX XXXX, XXXX  XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX. I HAVE LIVED HERE SINCE XX/XX/XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX NEVADA XXXX, MY JOB IS XXXX AND HAS BEEN SINCE XX/XX/XXXX AND MY OTHER JOB IS XXXX. I AM NOT A HOME OWNER NOR DO I RESIDE OHIO.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, 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, and false information consists of an auto loan opened with XXXX XXXX XXXX on XX/XX/XXXX acct # XXXX with a bal. {$73000.00}, a credit card account opened with XXXX XXXX  on XX/XX/XXXX under acct # XXXX, bal. {$7300.00}, a credit card account with XXXX XXXX XXXX  XXXX on XX/XX/XXXX acct. # XXXX, bal. {$6100.00}, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX under account umber XXXX, XXXX. {$6100.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I sent a partial refund to a client XX/XX/XXXX of {$140.00} through PayPal. 
The client demanded a full refund and began a dispute which escalated into a claim. 
The client changed the basis of her demand for refund while I was out of computer communication. I did not respond to the change of reason because I did not know it had occurred. PayPal closed the case automatically, granting the client a full refund, including the partial refund I had already sent : XX/XX/XXXX of {$250.00}. 
It has been impossible for me to communicate with PayPal. I have used the on-line chat, spoken with the resolution center, demanded to speak to a " manager. '' Finally I did reach a manager on XX/XX/XXXX who read the case and promised to reopen it I have communicated directly with the client, who knows she was overpaid for a refund, the reasons for which were bogus and should have been denied. Her response : " Let PayPal deal with it. '' PayPal needs to restore my {$140.00} refunded to the client, and PayPal must evaluate the reason I refused a refund in the first place. This is my money, not for PayPal to disburse.
Product: Bank account or service

I received a text from my bank today ( XXXX ) advising that my account has been frozen due to suspicious activity. I contacted them to learn that someone charged my card on XXXX in the amount of {$50.00}, and then again today XXXX in the amount of $ XXXXThe charge is listed to XXXX XXXX and I do not even have a XXXX account. My bank cancelled the card immediately, and I filed a fraudulent claim for the {$25.00}. The bank already reversed the charge for {$50.00}. 
When I looked inside my account I saw a number XXXX as the number related to these charges! I entered that number into a XXXX Search and it turns out that this is apparently some sort of widespread scam for which I appear to be a victim. 

Make sure your account is monitored at all times. File a fraudulent claim with your bank asap, and cancel the card that has been compromised.
Product: Checking or savings account

My name is XXXX XXXX I need a update on my escalation Wells Fargo mediation program that was escalated to the Wells Fargo representative but they didn't contact me tracking number is XXXX and Wells Fargo case number is XXXX and my contact email is XXXX and my phone number is XXXX please look at my attachment below etc my ssn is XXXX.
Product: Checking or savings account

Chase bank has unilaterally decided to lock my access to my online accounts due to alleged suspicious activity ( however there has been NO suspicious activity ). The bank failed to notify me of the purported suspicious activity or their locking of my account. The only way I discovered that I had been locked out was when I needed to make an urgent transfer ( my son is in desperate need of funds ) and I got an error message on the website that said to call the bank because my account had been locked. I called the number it said I needed to call ( it was just the generic bank phone number ). I went through every option available- but every option said the bank is closed, call back when customer service is open, even for reporting fraud. It is XXXX weekend, so I must now wait several days to get someone. It is also tax time and I need to access my account for that as well. I kept calling and calling every Chase phone number I could find on the internet with no luck. I finally got a person on the credit card fraud line, but they said they could not open my business account, only my personal account. They helped me do this, but the account prohibited me from making any payments or transfers, so it was useless.
Product: Credit card

I opened an account with American Express in XXXX, my wallet and card were stolen, and many police reports were generated. I immediately closed the card, however they are refusing after 7 years of disputing this, to remove it from my credit report. Stating that still there are XXXX XXXX  in charges. I never had the opportunity to use this card and 7 years ago reported all this as fraud, i do not have the card and all reports were filed with them and XXXX.
Product: Student loan

I am having extreme difficulty contacting my student loan collector Navient. On XX/XX/XXXX at XXXX I attempted to contact the Federal Loan department of Navient, and after getting their automated system to understand that I need to talk to a real person I was transferred to another automated message saying that their offices were closed. This runs counter to their " contact us '' information provided online as well as in the automated message that I was transferred to, with both sources of information saying their Federal Loan department was open till XXXX on Fridays. After this I attempted to call another number, and got through to the Private Loan office. The woman I talked to said she could transfer me to the Federal Loan department, but after the " transfer '' I was met with another automated message and a dropped call. I am still trying to contact Navient, but not much is helping.
Product: Checking or savings account

I have not been able to access my Citibank checking/savings accounts for days. In any capacity ; online, at atms, for transactions, etc... 

I called and was told my accounts were frozen and under investigation. When I asked why that would possibly be I was told it was because I had deposited a check. That's all. A simple check for work I had done on a film for {$2100.00}. Apparently there are a lot of fake fraud alerts for Citibank at the moment based on the amount of people complaining online. 

I can not access ANY of my money because I dared to deposit a paycheck. To a bank. 

This is insane and outrageous and at no point was I contacted by Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a fraudulent inquiry on my credit file from comenitycb/ulta mc. Inquiry date was XX/XX/2023 this was not made by me this inquiry is fraudulent and I would like it removed from my credit report. I already filed a dispute with XXXX as well as contacted ulta and requested it to be removed and any cards canceled
Product: Checking or savings account

PNC Bank is engaged in unfair and deceptive practices i have a XXXX savings account -- i lowered the balance and got hit with a sevice fee was told the mimium balance sghould be XXXX per month they did waive it after multiple calls and horrendous time with their VRU the udap is that the service fee is not on their public fee scheduled -- because its an old account the next month, with the XXXX balance i got another service fee this time i got it waived again but was told the minimum balance is XXXX  i raised my balance again to meet that -- but have not idea what the balance should be to avoid a fee The PNC representatives are clueless -- warn me they wont waive fees again but wont give me a fee schedule for my fee ( XXXX ) -- i spent almost a half hour to resolve this this month and over an hour last -- They engage in practices harmful to consumers and make it difficult to address