23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

talk to the original creditor if they informed me that the dead is 20 years old good standing with the company you can open an account at any time send a letter on XX/XX/XXXX to collection agency along with all three credit reporting agencies and XXXX XXXX They have not responded within the 30-day. They have not removed the claim from my account I have no contract with this agency it before no services for me they are committing fraud I want this account removed XXXX XXXX c/o resurgent capital services for a XXXX account for XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 


ACCOUNTS XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Since the XXXX year, it's only been XXXX  days. This company has called me over XXXX times. I get XXXX calls a day from them. I have told them I do not have the money and they continue to XXXX me every day.
Product: Credit card or prepaid card

My Chase Ink, credit card was lost/stolen on or around XX/XX/XXXXXX/XX/XXXX. I reviewed my transaction history on my Chase Ink credit card at the end of the month to make my monthly payment I've noticed fraudulent charges that occurred on my card on XX/XX/XXXX and XXXX. Immediately I went to look for my card which I was unable to locate it, I called chase bank and reported my credit card lost. Fraudulent transactions occurred out of state in Nevada in the amount of {$15000.00}. A police report was filed and sent to the bank. No investigation was completed by Chase they had not contacted the merchant instead they are blaming me for the fraudulent charges and asking me to contact the merchants when my card was lost and not in my possession, and I did not authorize anyone to use the card. Chase did not call me to verify if the transactions were being authorized by me at the time of the incident that took place out of state. 

Last transaction that I've made with the card in my possession was on XX/XX/XXXX at XXXX XXXX XXXX XXXX in the amount of {$3.00} Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed disputes with XXXX XXXX XXXX  and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying that the account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different high credit, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago
Product: Credit card

Complaint to Finanacial Protectio Burau XX/XX/XXXX ( case XXXX ) in Spanish. 

WHAT HAPPEN In XX/XX/XXXX after to make my monthly payment on line I notice that I have an interest charge. Even that Wells Fargo Financial National Bank told me that I would get 0 % interest for the {$8800.00} corresponding to the cost of changing the widows of my house with XXXX. 

XXXX told me that they would offer special financing through Home Project loan from Wells Fargo Financial National Bank. 
I fill out the form in the second page of the application indicate Annual Percentage Rate ( APR ) for purchases 27.99 % and APR for Cash Advance 27.99 % ( attachment 1 ). I was asking about this interest and XXXX ( the home improvement salesperson from XXXX ( attachment 2 ). XXXX told me that if I do not use the card that interest will not apply. I never activate the credit card from Wells Fargo ( attachments 3 ). I never gave the account # to XXXX I am not sure how they got pay by Wells Fargo Financial National Bank. 

In the Wells Fargo Finantial National Bank application ( attachment 1 ) There is not any information about deferred interest. 

However in my statement of XX/XX/XXXX my balance was {$3600.00} plus a interest charget of {$3300.00}. I called to Wells Fargo Financial National Bank and they told me that this amount it was a deferred interest. I did not know what was referred interest. I went to Internet to understand about it this interest because I was not familiar with. 

In XX/XX/XXXX. I offer to pay my balance. XXXX Research Remedation Analyst did no accept it ( attachment 4 and 5 ). The new balance was {$6700.00} with extra $ 27.99 %. The new balance now according with Wells Fargo Financial National Bank now is {$5000.00}, XX/XX/XXXX. XXXX answered my previous complain case XXXX. In the second paragraph from " information about your account '' said : " On XX/XX/XXXX, a charge of {$8800.00} was made with special financing term od 18 months, No interest if Paid in Full, and Regular Monthly Payment required during the special terms period. You minimum payment amount WAS SET UP base off the AMOUNT of the total purchase and LENGTH OF YOUR PROMOTION. 

$ XXXX {$300.00} Minimal payment it was SET UP by Wells Fargo Financial National Bank and require 28.57 months period to pay {$8800.00} but they make the mistake and set up for 18 months. 

The last statement from XX/XX/XXXX my balance according to Wells Fargo is {$5000.00} ( attachment 6 ). Well Fargo make the wrong calculation to pay in full. With the minimal payment that tit was set up. My last payment in order to pay the original amount of {$8800.00} is XX/XX/XXXX for the amount of {$280.00}.
Product: Checking or savings account

Regions Bank cashed a fake check when they promised they would look out for me and not let me be victimized by an out-of-state company they said the check was good and gave me the money then two days later they told me to check is completely fake and I have to pay them now {$1000.00} then they went into my debit card and took out {$95.00} and change to balance my account to XXXX, prior to that they sucked up my Social Security check for {$720.00}, I lost {$1000.00}, they have been sued for this. Out-of-state checks take 3 to 5 days to clear and post they said everything was fine and gave me the money now Im broke. I have filed a complaint with the Florida state Attorney General XXXX XXXX, the XXXX Police Department, the ic3.GOV, digital wire crimes unit and theUnited States postal police.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 AXXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of XXXX XX/XX/2021 XXXX XXXX  NA Date of inquiry XX/XX/2021 XXXX XXXX XXXX  NA Date of inquiry XX/XX/2021
Product: Checking or savings account

I filed my tax return for XXXX i had them direct deposited to credit karma account which I received XXXX but before i got my card and tax return i was XXXX  XXXX and wasnt released until XX/XX/XXXX when i got released I checked on it because i really needed it which i found out my card was stolen and activated and my funds were spent from XXXX XXXX XXXX so i filed a dispute which they denied so I escalated it and told them i had proof of my XXXX which they never got back to me nor told me anything else.they said their working on it put i have no open/pending cases for it may i please get some help please and i also tried to call and explain everything
Product: Checking or savings account

There are two separate incidents, but both involve the Bank 's refusal to credit my debit card for services that were never received. 

The first is with a company named XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I paid XXXX two payments, one of {$460.00} and one of {$430.00}. For this, XXXX  was to republish a book that I had written, build a website, provide me with the login information to manage the website, create and produce a book trailer, and do other advertisements to promote the book. The only thing XXXX did was create a website. They did not give me the information so I can log in myself. They did not publish the book -- it is nowhere to be found on XXXX or any other platform. They did not create the book trailer. I sent numerous email asking about all of the things I paid for and they apologized and stated they would do it. They never did. I requested a refund and then they went away. 

I filled out a dispute with Navy Federal Credit Union. This was more of a nightmare than dealing with XXXX. On three separate occasions, Navy acknowledged receipt of all my supporting documents, then shortly after closed the dispute for failing to receive the requested documents. Each time this would happen, I would call and let them know of the exact date the items were sent. They would research and then apologize and then reopen the dispute. Finally, on XX/XX/XXXX, they closed the dispute saying " we found no error occurred '' and " you were charged for the amount you owed after receiving merchandise or a service. '' This is obviously not the case. I received nothing, but an inaccessible website. 

The other incident is with XXXX XXXX and this is even more egregious. I was in XXXX with my fiance. We purchased what we thought was a great vacation package. We soon discovered we were scammed. The package cost {$6000.00}. I paid {$2000.00} with my Navy Federal Credit Union Card and my fiance paid {$4000.00} with her XXXX XXXX XXXX card. As soon as we arrived back to the United States, we attempted to use the package and discovered we could not. We literally received nothing. 

As with XXXX, I filed a dispute. As with XXXX, the dispute for this transaction was open, closed, open, closed, open, and then closed again. Finally, on XX/XX/XXXX, I received the last notification that the dispute was closed " a notice was sent requesting additional information ... .but it was not received. '' I literally sent them everything three times. 

I feel that Navy wants me to sue them. I asked for a copy of the investigation which convinces them that services were received. They have failed to provide anything to me. I am requesting that Navy refund the {$2000.00} from XXXX XXXX and the {$460.00} + {$430.00} from XXXX.
Product: Credit card or prepaid card

** I am writing this on XX/XX/2020 at XXXX XXXX - while still on hold. I have spent 145 minutes on hold so far. XXXX This is regarding my Costco Visa card issued by Citibank. I am unable to access my credit card account for the past 48 hours ( since XX/XX/2020 ). 
I tried accessing my account through Citibank 's website and Citibank 's app on my iphone. 
Both channels have been unsuccessful.

I have been on hold for a total of 3 hours and 30 minutes over the past 2 days with no end in sight. Citibank 's error message is outright misleading and false. Their customer support representatives have been blaming browser issues and spouting a bunch of falsehoods and outright lies.

Citibank 's website and app say this is a temporary issue and i should try logging back in in 10-15 minutes. This is outright lies!

Bottomline - i am unable to access or even reset the credentials to my account. This bank needs to be shut down and all the liars and crooks working for them deserve to be thrown in jail.
Product: Checking or savings account

Pnc isnt working with XXXX  so Im unable to link my account which is causing me to incur fees to transfer XXXX  says its PNC, PNC says its a security measure
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA FAIR COLLECTIONS & OUTSOURCING are required to " ... promptly DELETE all information which can not be verified. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX
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.

The accounts noted on attached credit report.

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

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: Debt collection

I Have disputed this claim on many occasions, on and off and keep getting back that these charges are accurate. When i contact National credit system inc about disputing one debt they bring up a past debt and tell me to pay an old on that is 7 or 8 years old now. They are demanding i pay XXXX for the apartment complex waterford grove apartments located at XXXX XXXX XXXX XXXX Texas XXXX. Management agreed to let me out of lease without any penalty nor fees per XXXX XXXX property management at the time. Now the company has been taken over by new management team. The company lied and told me that XXXX was no longer there and lied to me. She just refuses to talk to me and refer me back to debt collectors. The ledger balance provided by debt collector does not have a signature on it from management, dates of the lease agreement are off from ledger dates. The lease agreement does not mention anything about a XXXX amount for failure to give notice or early termination addendum. I have never signed one and demand the agency provide me proof that i owe these made up charges. I provided documentation in writing prior to leaving XXXX XXXX XXXX. I put in request some time in XXXX of I requested my file they claim it wasnt on site nor old corporate office.but they dont prior to me getting out of lease. Me and XXXX mutually agreed that i wouldnt have any penalties or fees because of all the problems that they never fixed. I have experience nothing but bad at these complex from the mold, water leak, bad ac unit, roach problem, car being towed several time, ticketed for no parking spots, sewage. problem, and car being broken into. I wouldnt recommend this place to a stranger. I want this corrected and to take off the inaccurate charges.
Product: Mortgage

On XX/XX/XXXX, I contacted NewDay USA to ask questions about a mortgage refinance. While discussing with the representative XXXX XXXX, he asked if he had permission to run my credit. I told him no, that at this point I was not ready to go forward with the application. We continued the conversation briefly and then the call was terminated. After roughly one minute of the call ending, I received notification from XXXX that a hard inquiry had been done by the mortgage broker for NewDay USA. I called back and spoke to XXXX again and he said that he did run my credit without permission and I would need to dispute it, or asked if I would like to hear the rates I qualified for. After speaking with XXXX, I asked for a supervisor at which point I was forwarded to XXXX XXXX. XXXX agreed that what was done was a clear and direct violation of the Fair Credit Reporting Act yet had no remedy for the impact on my credit. XXXX also explained that since people do not usually say no to having their credit ran, a lot of times the representatives just click yes and proceed ahead with the application prior to having the approval. These are serious implications if a lender that has designated themselves to be a trusted lender for veterans is actually violating the FCRA consistently. Both XXXX and XXXX tried to inform me of the rates I had qualified for with the illegal credit check instead of offering solutions to the inquiry that XXXX had done without authorization.
Product: Money transfer, virtual currency, or money service

Since XXXX XXXX all the way till XXXX Ive been dealing with this and I contacted cash app many of times they refuse to help me. For a settlement due to unauthorized payments and transactions : I am writing to express my concern and request a settlement regarding unauthorized payments and transactions on my account. Despite my efforts to resolve this issue amicably, I have been left with no choice but to seek formal action. 

Summary of Unauthorized Transactions : Date : [ XXXX XXXX, XXXX XXXX ] Transaction Type : debit Amount : {$9500.00} Description : [ transactions I didnt make and payments I didnt make ] Actions Taken : [ XXXX XXXX ] : Ive been notifying [ cash apps ] customer service via [ XXXX ] about the unauthorized transactions. 
[ XX/XX/XXXX ] : I requested a formal investigation and reversal of the unauthorized transactions. 
[ XX/XX/XXXX ] : I received a response from [ cashapp ] stating that the response the transactions were legitimate or the issue would be investigated but in they words they cant help Settlement Request : I request that [ cashapp ] takes immediate action to : 1. Reverse the unauthorized transactions totaling $ [ Total Amount ].

2. Refund the reversed amount to my account.

3. Provide a formal written confirmation of the settlement. 

I believe that [ cashapp ] has failed to adequately protect my account and has not provided sufficient assistance in resolving this issue. I hope that we can resolve this matter amicably. However, if not, I will be forced to explore further action, including filing a complaint with the relevant regulatory agencies. 

Please respond to this letter within 14 days, indicating the actions you will take to address this issue. 
I would like to receive a refund for the damages that was due and in total its {$9500.00}. 
Sincerely,
Product: Debt collection

I sent a verification and validation letter to the address listed on my credit report for AVANTE USA and followed up with a call. However, I haven't received any information regarding this account via mail. Additionally, this account has exceeded the statute of limitations according to my state 's laws.
Product: Debt collection

I kept getting a call from XXXX when I answer it there is no one on the other end. after several continuous calls I called them back and found out it was ERC a debt collector. I asked them what debt they were trying to collect and they did not find any debts to be owed with my name, SSN or phone number. They removed my number 3 times over the past month and yet I still get calls. The most recent from a new number XXXX. There is no debt to be collected associated with me or my number and yet I get called every week sometimes twice a week. I am sure this is happening with other people too and it is very annoying.