23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX XXXX..Today I was a victim of fraud. Wednesday night with my family seeing santa claus when I get a alert that my account has went below XXXX dollars my account balance at XXXX dollars when knowing I had XXXX in my edd debit card. Someone first did an inquiry at a BofA ATM than withdrew XXXX than XXXX leaving me at XXXX dollarsand having my card on me an as you can imagine its rent week and XXXX is right around the corner and this happens to me. So I call the number on back of card and get put on hold for 3 hours just to get hung up on than I call back to make sure card I'd cancelled and try to get transferred to claims department than they say it closed at XXXX. So for my own protection I made a police report asap hoping this will help now I cant sleep it is XXXX and I cant stop thinking how I'm going to pay my Bill 's and buy my kids XXXX gifts : ( is anyone in the same boat as me I just feel so stressed. I'm not giving up tho but i feel something needs to happen about all of this and BofA needs to have better security policy for all this. I'm depending on the edd money right now with everything that is going on in this world now this I'm just disgusted at the people that would take from the people that dont have much and have family. Now I made the claim and made a police report 2 days later which is today I call to check on my claim and they said it has been closed as well and my account at BOFA saying the edd closed it due to fraud and they closed my claim as well this mad e me stress more now I had to fax over a copy of my ID and claim number to ensure my claim gets reopened!!
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 XXXX  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: Debt collection

After reviewing my credit report I noticed a collection account from Portfolio Recovery Associates whom I have never heard of nor have I done business with. I disputed the account to the credit bureaus and to PRA. They mailed me copies of two statements from XXXX XXXX. ( I am attaching everything they mailed to me. ) They did not include anything showing they can legally collect money from me on behalf of XXXX XXXX. I feel like they should have to prove to me they are the proper ones to pay. If I were to pay it I would want to know absolutely sure that I was paying the correct party. I fear this could be a fraudulent claim to squeeze money from me that is not really owed to them. What if I pay them and then XXXX comes back later and said I should have paid them? I don't have the money to pay this thing twice. Honestly, I am not even completely convinced the account is even mine. I don't want any trouble. I just want them to get their act together.
Product: Checking or savings account

I contacted the XXXXXXXX XXXX and notified them that a check cleared my account that I did not issue. My records showed the check # was issued to another vendor a year earlier and for a much lessor amount and at that time all checks issued were computer generated. We did not hand write checks. We requested and received a copy of the check that was cashed and notified XXXXXXXX XXXX  we did not issue this check and we believed we were victim to fraud. The check appeared to be doctured with white out and then hand written with a date of XXXX pay to the order of - XXXX XXXX XXXXXXXX XXXX, dollar {$14000.00} and then on the legal line XXXX XXXX XXXX XXXX XXXX XXXX then to the right the dots indicate this was once a computer issued check XXXX. The memo states its a settlement # XXXX. I have never had any dealings with this company and do not know who they are. I contacted XXXX XXXX  and they told me there was nothing they could do. I questioned why they would cash a check that obviously was altered and they stated they don't review every check. They then told me to contact the Bank of American who cleared the check their client deposited and I was told there was nothing they could do my bank would need to proceed with filing a complaint. Both banks are clearly at fault as is the person or committed fraud. Neither bank offered a solution or help in any way with this matter. We have had a good working relationship with XXXXXXXX XXXX until this time. We also were not able to retain the Bank of America Acct # for their client who deposited the check.
Product: Debt collection

Advance America has received notices from me to stop contacting them through here once or more than through my debt consolidation company, they need to stop with these threats!
Product: Credit reporting or other personal consumer reports

ON MY CREDIT REPORT, THERE ARE STILL UNAUTHORIZED INQUIRIES THAT I WANT REMOVED. PLEASE CHECK THE DOCUMENTS I'VE SENT REGARDING THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted XXXX XXXX through CFPB back in XXXX, they stated they needed 60 days to research. In XXXX of this year, they stated after the completed their investigation that the erroneous information would be removed from my credit file. It has been almost a month and this information still remains on my credit file and they have not removed the items as promised in a previous CPFB case ( XXXX ).
Product: Money transfer, virtual currency, or money service

Chime issued me a virtual card without my knowledge that i did not consent to a new card and they locked me out of my cash iin savings, io disputed all charges i incurred while at work or the store was closed..XXXX  listed as merchant no claims they are not the merchnat and repeatedly charged my card for ridicuous quantities of items bank statements dates, amounts just dont match anything in my XXXX or XXXX history and several purchases made in one visit at XXXX,, I have XXXX.. I mow my lawn that is it. And i was at work to boot, I can document the time and date. This has been dragged out since XX/XX/XXXX  when i never received {$77.00} worth of seeds.. and no tracking number for proof of delivery. and then it was none stop and i lost my son and my husband was diagnosed with XXXX and I had paid no attention to my accts because i did not access them or need to access the accts and i had no reason to check.. but some {$1800.00} is gone with nothing to show for it,, and the XXXX rreceipts get emailed and a hard copy if I even set foot in a XXXX.Chime is telling me i have no proof of purchase.. and that is exactly right! Nor do I have a tracking number to verify the delivery. I am addresseed in emails as XXXX,, that is not my name of nicknmae.and chime permitted my husband access to my account by verifying my dob and last 4 of my social and we have not in 24 years of marriage ever shared or had a Joint Account. So somebody else has my infoand linked unknown newky isssed virtual card to my chime app,, and again unknown attempts are being made.. i have XXXX cents in the account! nobody will provide me with one single tracking number but XXXX did offer to send me a dress... ..no clue!! I dont do commerce on the Sabbath.. and I start work at XXXX XXXX XXXX,, i work form home... I would not be at XXXX making several transactions at XXXX XXXX... .or sevral transaction... I owuld make one transactionone time,, and i dont shop ay XXXX... I shop at XXXX  they have ignored my requests for over a year now and they keep replace debit cards without consent and are interferring with mu financials as if i granted poa to all of them-
Product: Credit card

I applied for a Home Depot/Citibank credit card when making a purchase on XX/XX/24, but have not received the credit card or communication from Home Depot/Citibank Credit Card Services and therefore unable to set up the account to make payments online. I have worked for nearly 2 months to learn about the status of my credit card and account and have made several calls to Home Depot/Citibank , including talking with the Asst Store Manager at the local Home Depot XXXX and together talking with Home Depot/Citibank Credit Card Services to clarify the problem. I have recently received a Account Statement with charges and late fees, with a partial account number that I have no record of, and received phone calls and email about making payments but I am informed that I can not with an account number and that I can not be verified. I want to have this matter addressed so that I can make payments online before due dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Experian charged {$9.00} to my XXXX XXXX account without my knowledge. I discovered the charge only when I received and reviewed my XXXX bill the next month. I attempted to cancel the charge through a number I found online and was told I could not do so without first providing personal and financial information. I refused to do so and contacted XXXX to dispute the charge. XXXX could not confirm the error but provided better/more trustworthy contact information for Experian and I felt more comfortable providing my personal information. The company canceled my " membership '' but refused to reverse the charge. I searched all my email for XX/XX/2021, and found absolutely no communication from any source whatsoever regarding membership in anything related to Experian. In my opinion, this is fraud on their part and action should be taken. Indeed, the notice attached to this complaint was the FIRST indication I received ( only after disputing the charge through XXXX ) that this would be a recurring charge.
Product: Mortgage

Well I have been charged numerous insufficient late charges. My credit report has taken a hefty hit. Also I asked about forebearance. Just to be told I don't qualify. I have been discussed with the harassment and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNKNOWN INQUIRES XXXX XXXX XX/XX/2020 UNKNOWN THEY TOLD ME THE LOAN IS A TITLE LOAN. I DON'T HAVE A CAR SO WE AGREED IT WOULDN'T BE SUBMITTED. 


XXXX XX/XX/2020 UNKNOWN XXXX XXXX XX/XX/2020 UNKNOWN FACTUAL DATA XX/XX/2020 & XX/XX/2020 APPLIED ON XX/XX/XXXX ONLY FOURSIGHT XX/XX/XXXX UNKNOWN ***ON THE FOLLOWING SEVEN ( 7 ) I WAS ASSURED IT WAS NOT GOING TO BE A BROKERAGE WHERE THEY THREW OUT THE BAIT TO ALL FINANCE COMPANIES BUT THAT'S WHAT HAPPENED ANYWAY*** XXXX XXXX XX/XX/XXXX NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XXXX FINANCE XX/XX/XXXX NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XX/XX/2020 NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XXXX XXXX XX/XX/2020 NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND SECURITY SERVICE XX/XX/2020 NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XXXXXX/XX/2020 UNKNOWN XXXX XXXX XXXXXX/XX/2020 UNKNOWN XXXX XXXX XX/XX/2020 UNKNOWN XXXX XXXXXX/XX/2020 SHOULD ONLY BE ONE NOT TWO INQUIRIES. I GOT A MEDICAL CREDIT CARD FOR XXXX
Product: Credit card

Even though my account has been closed due to unauthorized charges, Aspire continues to charge " Account Maintenance Fee '' of {$12.00} and " Late Payment Charge '' of {$41.00}. My entire {$60.00} payment on XX/XX/year> has gone to pay the " Total Fees for this Period of {$53.00}. '' At this rate, I will never pay down the balance.
Product: Debt collection

The only reason I found out about this fraudulent debt is because my credit score dropped 52 points on XXXX XXXX. This is the second time and both times I contacted every doctor Ive seen in the last 10 years and none use XXXX XXXX XXXX XXXX XXXX or Phoenix financial services. Both were for {$66.00} and I had to submit a claim to the credit bureaus. Its not my debt. I believe it is a scam. I never received any notification at all that it existed. They just showed up. I managed to call the collector last year but it took 2 weeks and they hung up on my when I wouldnt give them my social in exchange for the contact information on XXXX XXXX XXXX. I called several different campuses owned by XXXX XXXX  now known as XXXX XXXX talked to several financial officers and billing specialists in clinics and hospitals and I have no EOB from my insurance company for the alleged date of XX/XX/XXXX or any other date. I checked through all my papers and looked online. It feels like Im being hustled and if you check on this collection agency XXXX  page or general websites MANY people have said the same thing happened. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXXXXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning I am so tired of being the credit bureaus victim. It seem as if because I disputed fraudulent accounts and inquiries that XXXX amount others continue to allow to happen XXXX took it upon themselves to delete all the erroneous items It seem as if because I disputed fraudulent accounts and inquiries that XXXX  amount others continue to allow to happen XXXX  took it upon themselves to delete all the erroneous items as well as negligently and maliciously removed all my accurate accounts now. Now I contacted all the credit bureaus including changing it Experian and was told that XXXX sent out these reports to themand maliciously removed all my accurate accounts now. Now I contacted all the credit bureaus including changing it Experian and was told that XXXX  sent out these reports to them. How can I as a consumer seek help from the consumer finance protection bureau and I'm not protected just because I know my rights and won't let the bureaus take a vantage   of me they basically destroyed my dreams of being a homeowner asked for. How can I as a consumer seek help from the consumer finance protection bureau and I'm not protected just because I know my rights and won't let the bureaus take a vantage of me they basically destroyed my dreams of being a homeowner asked for as for the action it cost me to lose my ability to buy my first home as well as losing my {$15000.00} that was sitting in escrow so you tell me how XXXX   XXXX  mad should I be. I have recently paid off my account with perfect history my XXXX  XXXX XXXX my XXXX  XXXX XXXX card as well as my XXXX XXXX XXXX they maliciously deleted those accounts on purpose to spite me. I contacted XXXX XXXX and with all these cases and they told me that XXXX  would have to send documentation showing it was added back on which XXXX  in return said they are not liable for the mistake that they created if it was at all a mistake which I wholeheartedly believe it wasn't.. 
XXXX  ALSO REMOVED AND SENT TO XXXX  AND EXPERIAN TO BE REMOVED A PAID OFF VEHICLE FROM XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX  -WHICH ALL THESE ACCOUNTS HAD PERFECT HISTORY XXXX BALANCES NOW U TELL ME THIS WASN'T DONE TO DELIBERATELY HURT ME. 
The crazy thing of all was that they let the fraudulently inquiries stay on my credit as well as the inquiries to the accounts that they took off which absolutely makes no sense by the rules of the fair credit reporting act. I DEMAND JUST TO BE TREATED FAIRLY I FEEL LIKE IM BEING XXXX PROFILE WITH THE INTENT TO HARM MY BEING AND CHARACTER AS A PRODUCTIVE MEMBER OF SOCIETY.
Product: Credit reporting or other personal consumer reports

I disputed the collection agency XXXX XXXX XXXX regarding the Original Creditor XXXX XXXX XXXX a XXXX  bill with all three agencies. I noted that based on cfpb XXXX  bills would be removed or not listed on reports, however, they all left it on the report. 

I noted and provided the link to the XXXX  for XXXX. I also chatted with XXXX 's rep and they also said the XXXX  bill shouldn't be listed even if it's a collection agency listing them. If you XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attached the chat transcript and highlighted the rep 's entry that XXXX  bills shouldn't be listed. 

By the way, the name on this account is incorrect, it's XXXX and not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I sent XXXX, XXXX, and Equifax my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's inquiries on my credit report inwhich I have absolutely any knowledge of, i did not authorize any of the following inquiries, therefore I'm demanding that they be removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX file for loans/credit cards and have a unwanted guest on my credit report acting as if me putting unwanted freezes and comments on my report I have access to XXXX  someone has my information I need to remove comments and access to my credit report
Product: Vehicle loan or lease

On XX/XX/XXXX my bank sent an automatic payment in the amount of XXXX to Bridgecrest. I received notification that my auto loan was past due, which it should not have been since automatic payments are made bi-weekly. On XX/XX/XXXX I initiated communication with Bridgecrest asking them to locate the payment. I provided Bridgecrest a copy of the cashed check that included the check number, the auto loan account number, the endorsement on the back of the check which included the bank name, lockbox, and account number the check was deposited into. It appears Bridgecrest refuses to attempt to locate the payment. I have made several follow up attempts since I initiated contact on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was told the information will be sent to the Accounts XXXX department to research where the payment went. I was also told each time to follow up after XXXX days. I have not received any communication from the company if I did not initiate it.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Last 4 SSN : XXXX To Whom It May Concern, I am not liable for this debt with XXXX XXXX, I do not have a contract with Jefferson Capital Syst, they did not provide me with the original contract as I requested. Jefferson Capital Syst called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until Jefferson Capital Syst, proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any Debt This item was purchased by a Third Party Debt Collector ( Jefferson Capital Syst ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third-Party Debt Collector. As you can see from my credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore, it must be DELETED IMMEDIATELY. Here is the account name : Jefferson Capital Syst and Account number : XXXX for reference and incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Debt collection

This is about an insurance claim from XXXX XXXX that was finally paid XXXX XXXX by my insurance company. 
I have called XXXX 2 times and have asked the XXXX XXXX 4 times to tell XXXX to stop calling me. XXXX has called me every other day since XXXX XXXX. XXXX called again this morning.
Product: Vehicle loan or lease

In the latter part of 2017, I discovered I had a small balance left on an old auto loan I had with a company called Carolina Finance. I contacted them, and worked out a settlement arrangement to resolve the remaining balance. The settlement arrangement we agreed upon was paid on XX/XX/XXXX. XXXX months have now passed, and Carolina Finance has yet to properly update my account on my credit report. I have contested the account three times with XXXX, XXXX, and XXXX XXXX ; and Carolina Finance keeps telling the credit bureaus I have an outstanding balance owed. The account should report a {$0.00} balance owed, as it was paid on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. XXXX XXXX XXXX : {$170.00}