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

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to SAGESTREAM I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 
My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit card or prepaid card

I have a credit card by Comenity - Meijer MasterCard. When I received my XXXX payment on XX/XX/XXXX for a sum amount of {$510.00}, I noticed there were several Fraud transaction purchases on my credit card under XXXX, XXXX XXXX, and others under this # XXXX CA. Further search on my past available payment forms from XX/XX/XXXX to XX/XX/XXXX I noticed there were several Fraud transactions under # XXXX CA for the amount of {$1500.00} without my knowledge. I called Comenity - Meijer MasterCard ( phone # XXXX ) and reported the Fraud activities. Comenity - Meijer Master Card representative informed me there are several fraudulent payment purchases on my card and that they will investigate and send me a letter of the results in a month ( XXXX ). 

I received a second statement of XXXX that listed all of the Fraud activity on it ( see attached ). Since it was a month that passed and they did not respond with the letter as promised, I called them back. They then told me that I am fully responsible for all the Fraud activities without giving me any reason when I asked. The Comenity firm is responsible to protect their customers from Fraud and should inform them by mail, email, or call for any of these unusual activities on the credit card. Lastly, they should follow through with sending a letter as they said they would in XXXX.
Product: Credit card or prepaid card

We made many transactions during month of XXXX, so there were a lot of returns and purchases, so once we received the bill, we called the Citibank card to speak with the agent and asked what is the amount to pay for the full amount the balance till the due date XXXX/XXXX/XXXX, the agent said {$2700.00}, so we paid exactly the amount, when the month of the XXXX bill came, we found out there were {$23.00} interest charge, We called Citibank right away, spoke to the agent, interest amount {$23.00} was waived, then we asked the amount to pay the full bill again, was told {$2200.00}, again We paid the amount of {$2200.00} so we thought there are no any balance till XXXX bill comes, then again XXXX bill came there were only {$570.00} purchase we made the amount of the bill is {$1400.00} include {$40.00} interest charge, XXXX Citibank right away till now still cant get the problem solved, the agent claimed {$1400.00} is correct but could not explain where the extra amount came from, and refuse to play back recordings of calls we had with previous agents. 
Also there is a {$200.00} dispute charge we had, with not any notice to us. Citibank sent us a letter stated the charge amount is valid transaction because " seller said the item has not been returned '', but in fact vendor provided unshippible return address as " XXXX '', we had been trying for 2 month to work with XXXX and XXXX to return the item without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went in and bought a new car. The company backed out of loan after booking it issues with title brought the car back. Called the financial company and asked when it would fall off my credit because I had to buy another car and they where reporting new opened auto loan. They said a couple days. Then a couple weeks later it was still their and the new financial company is requested a letter showing I do n't owe this. When I called honor financial they said they never reported to my credit and was very rudely treated. So I sent a letter in writing by email to their funding department and the vp of the region. And got no response and still no letter and still on my report.
Product: Debt collection

I paid the XXXX XXXX, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report.
Product: Credit card or prepaid card

I had a duplicate charge come out of my original unemployment card. Followed the steps to report fraudulent charge, cancellation of card, submitting documentation of fraudulent charge, and requesting a new card to be issued. Now its been almost 4 weeks and Im not able to get in touch with customer service after being on hold between 30 min to 1 hour I get disconnected. All I want is access to my unemployment benefits!
Product: Checking or savings account

Citizens Bank initially seemed to understand that the merchant ( XXXX XXXX ) had made false claims regarding a purchase I had made and its return policy regarding a defective scooter. I am XXXX years of age and XXXX. 
3 months after refunding the purchase price of the defective scooter the merchant sent a false and unfair claim that regardless of the circumstance that the item be returned within 14 days. Citizens Bank then unjustly refunded the purchase price to the merchant, causing me an overdraught of {$680.00}. They initiated this without giving me the opportunity to dispute the merchant or to defend my position or to view the merchant 's claim, which Citizens Bank had promised to do ; They just went ahead and refunded the {$1300.00} to XXXX XXXX, saying that their claim was indisputable.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was involved in a scam where a caller told me they were the XXXX XXXX XXXX XXXX, warrant division and that I had a warrant out for my arrest due to a missed jury summons. I was put under a gag order and told that I had to pay {$2500.00} for the two citations ( {$5000.00} total ) and that it could not be paid through a debit or credit card. I paid the person through Venmo. They then told me I owed another {$2500.00}, at which point my fiancee told me that this was probably a scam and I needed to verify who I was talking to. I did not pay them the extra {$2500.00}, and I was able to get a stop payment with my bank and received the funds back. However, Venmo fronted the {$5000.00} to the account and is now telling me that I owe them {$5000.00}. 

I filed my initial claim with them on the XXXX about the initial dispute, and they denied it. I filled an appeal to the dispute on the XXXX, which was filed as an unauthorized transaction. On XX/XX/XXXX, that claim was denied saying they did not locate evidence of unauthorized access to my Venmo account. On XX/XX/XXXX, I filled a police report after having tried on XX/XX/XXXX and being told to file a complaint with the FBI ( which was done ) and filled the report for the scam. Spoke with Venmo on the XXXX where another representative told me that the claim should have been filed under their scam disputes and put in a new claim. On XX/XX/XXXX, I received another email from Venmo, from the same account specialist as before that my unauthorized transaction was denied and I called Venmo support because it was not supposed to be filled under unauthorized transaction. Venmo support stated that the ticket for the scam claim was still open, but that specialist was still attached. 

On XX/XX/XXXX I received an email that does not properly word that they were denying my scam claim, stating that they are unable to discuss the specifics due to their privacy policy. They claim that since I filed a chargeback from my bank, that my account will be frozen until I pay the {$5000.00}. The wording of the email was difficult to grasp if they were denying the claim, so I called Venmo support again, only to be told the the claim should have only been filed under unauthorized transaction. So a claim was filed again and then denied yet again as of XX/XX/XXXX due to the same device being used for previous payments. I was able to email back that account specialist and received an email back that stated they were sorry to hear that I was a victim of a scam. When I emailed again, stating that I needed to know how to move forward, they did not respond.
Product: Debt collection

I noticed a medical collection reported on my credit file that has to be a mistake because i have issurance.
Product: Checking or savings account

I have been treated. Horribly by management and lied to numerous times and told I would receive credits that then were never given, in fact made up stories and continuous disrespect and lack of listening have occurred too many times which has all led to where we are now. There is foul play with my account and trying to cover up and make up crazy outcomes despite physical proof and me trying to explain. I'm so disgusted that this is what keeps happening to me and I'm supposed to be protected and taken care of. Instead my bank is stealing and being shady. I want whats only mine and it's been over a year with excised and promises on top of disrespect. I have several claims and XXXX I received a letter for and was suppose to be credited and never was, 8 bankers all seen the same thing but now it's all mixed up. I will be seeking legal service from my lawyer if not handled ASAP cause it's been too long and too much already. To be on the phone for 3 hours then disregarded by a MANAGER nonetheless and then fake transferred is Unacceptable! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX  act # XXXX, XXXX, XXXX, XXXX, has violated my rights 15 U.S.C 1681 section 602 A States that 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
Product: Bank account or service

I bank on line. I make monthly payments to Bank of America based upon the amount shown on line as due and the date due. I get calls from them saying I 'm delinquent. I tell them something is wrong. I looked at a statement mailed to me from them. It shows a different amount than shown on line. I called the bank numerous times. I 'm told something is wrong as their on line is not showing the correct amounts. I was told I would receive credits for late charges. 2 people, 1 from on line banking dept and the other from home loan department both tell me how much and when my next payment is due. I made that payment before that due date. I then received in the mail a statement showing different amounts and a phone call from the bank and that person said I was delinquent.
Product: Debt collection

One Main from XXXX, Indiana is listed on my credit reports and I have never done business or obtained a loan from a company named One Main. Please delete from my credit report. I have asked them for proof of debt multiple times and have not received it.
Product: Debt collection

This company has placed an account in collections that is not mine. I have never heard of the company and do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts reporting late payment history
Product: Debt collection

XXXX uses abusive language in the way they attempt to collect a debt. They are very aggressive and intimidating in their manner. They need the money NOW and insist on getting your banking information before they send you written acknowledgement of your arrangement. They have REFUSED to send me a written acknowledgement of our arrangement and they said it was due to an " open complaint ''. I stated that my complaint had nothing to do with our arrangement and that I was entitled to file a complaint every time they were nasty to me and I would continue to do so until they changed therir tactics. I have called repeatedly to resolve this matter and they simply REFUSE because I filed a complaint that I am legally entitled to do. Regardless the issue is their REFUSAL to send me written acknowledgement of our agreement and the AGGRESSIVE MANNER in which they INSIST on attaining my banking information before issuing a written agreement. They are RUDE AND NASTY and someone needs to stop them. They can not force me to give bank information without a written agreement and they can not withhold such agreement as a way to harass me for filing a complaint.
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. 
15 U.S.C 1681 Section A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Product: Checking or savings account

UPON LOOSING MY LAPTOP AND THE CARRYCASE FOR SUCH THAT MY CARDS WERE IN I REPORTED IT TO WELLS FARGO. I ALSO NOTICED A BANK ERROR THAT SHOWED MY ACCOUNT TO HAVE AN INCORRECT DEPOSIT THAT I HAD NO KNOWLEDGE OF I ASK THE BANK TO FREEZE MY ACCOUNT BECAUSE SOMEONE WAS DOING TRANSACTIONS WITHOUT MY CONSENT OR KNOWLEDGE THA REP TOLD ME ASSURINGLY THAT MY ACCOUNT WOULD BE FROZEN. DAYS LATER I NOTICED THAT IT WAS INDEED NOT FROZEN AND THAT MORE MONEY WAS BEING DEPOSITED INTO MY ACCOUNT VIA CHECKS AS LATER CONFIRMED THROUGH RESEARCH. I SPOKE SEVERAL TIMES TO THE FRAUD DEPARTMENT ONLY TO BE PUSHED FROM DEPARTMENT TO DEPARTMENT. AND LIED TO IN THE END THIS BANK CHARGED MY ACCOUNT FOR AN AMMOUNT OVER 2,000 DUE TO FRAUDULENT CHECKS. THAT I INITIALLY BROUGHT TO THEIR ATTENTION. THE SIGNATURE IS NOT MINE, AND THEY DID NOT HAVE ANY FORM OF ID WHEN THEY DEPOSITED SAID CHECKS INTO MY ACCOUNT AND WITHDREW THE FUNDS OR PARTIAL FUNDS SAME DAY. THE BANK REFUSED TO STOP THE TRANSACTIONS BUT INSTEAD TREATED ME AS IF I WEE THE CRIMINAL. IN THE END I LOST THE MONEY THAT I USED TO OPEN MY ACCOUNT WITH OUT EXPLANATION AND YET TO SEE WHAT WAS DONE ABOUT IT BECAUSE THE BANK LOCKED ME OUT OF MY ACCOUNT AFTER ADMITTING IN A SECURE EMAIL THAT THEY HAD MADE A MISTAKE.
Product: Mortgage

My wife lost her job of 18 years in XXXX of XXXX due to the Covid Pandemic. In XXXX of XXXX we entered the Cares Act Forbearance Plan with our VA home loan. We have since exited the Forbearance Plan and have made our XXXX & XXXX of XXXX mortgage payments. 


In discussions with our Mortgage Servicer ( XXXX XXXX XXXX XXXX ) about repayment of our missed loan payments while in forbearance, we had made an agreement on XX/XX/XXXX that we would use the VAPCP Program ( VA Partial Claim Payment Program ). Wherein the VA purchases the forbearance period missed payments and places them in a second lien on the home, which is interest free and payable when the property is sold. 


On XX/XX/XXXX the servicing of our loan, not the loan itself, was transferred to PNC Bank. We have come to find out they will not honor the agreement made with our previous servicer nor will they consider the VA Program as an option. ( verified in recorded phone conversations ). 


They are attempting, with the threat of foreclosure, to force us into filing a Hardship Assistance Application. This in itself would be fraudulent because we are not in a financial hardship situation. This Hardship Assistance Application is 16 pages long and is very similar to a new loan application. If we comply, it will give PNC Bank the right to dictate the manner in which the missed payments are paid back. This is entrapment. 


Through XXXX telephone conversations ( most recorded ) we have determined that their end game is to do what they call a " XXXX XXXX ''. In reality, it will be a new loan because it will have a new total, a new interest rate, a new term length, and of course new fees. 


First, this enables them to add the missed payments into the entire length of the mortgage which will greatly increase the loan. As an example of which, early on, our former servicer attempted the same thing. They upped the interest rate and added XXXX years to our loan, which equalled approximately {$110000.00}, to repay the missed payments which were {$32000.00}, an {$87000.00} fee to borrow {$32000.00}! 


Secondarily, they will now be able to sell the new larger loan and get a big payday because our home has doubled in value, making the loan more lucrative to an investor. 


In summary, If PNC Bank wanted to be simply paid back, they could use the VA XXXX XXXX XXXX, which we chose, and have their money overnight. It is outrageous that a XXXX XXXX Bank, bailed out in XXXX to the tune of XXXX XXXX taxpayer dollars, is using this XXXX economic tragedy to rip off the " little people '' that, back then, saved them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX was reporting inaccurate information on a late payment for my auto loan account on XX/XX/. I disputed the late payment and my whole account and history with XXXX XXXX XXXX XXXX was deleted instead of just the late payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an account from my credit report. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was settled in full on XX/XX/year>. 

In accordance with the terms agreed upon with the creditor, the payment was made with the explicit understanding that the account would be deleted from my credit report. 

My ability to proceed with moving is contingent upon having a favorable credit standing. It is imperative that this account is promptly removed from my credit report to accurately reflect my financial status and allow me to proceed with confidence in securing housing.
Product: Money transfer, virtual currency, or money service

Money was sent to me through Zelle to my XXXX bank for the amount of {$5000.00} and I asked the back to send it back to the sender. I explained I know the person I just wanted them to receive it right away. They said it was not able to be sent back right away because it was not posted but call back next day and they can. I called back I was told to wait 5-6 business days still the sender didnt receive the money. Please help its been going on for over 45 days I spoke to chase for hrs and hrs they cant help. The money is stuck some where. They keep telling me its out of my account and they are not responsible. I already filled the complain for chase back and now I need Zelle also to be investigated. The money is lost somewhere and its not at XXXX  XXXX XXXX which is the senders bank. Please help
Product: Credit reporting

In summary : I have an issue with a JCPenney transaction from XX/XX/XXXX that has negatively affected my credit. It is a valid transaction but I never received a bill. I am requesting that it be expunged from all XXXX creidt bureaus. 
I purchased an item in XX/XX/XXXX for about {$35.00} at JCPenney but did not have my JCP credit card. They looked it up and posted it on an old JCP card that we no longer had, instead of the current one. Since we had n't used it for over 6 years and two household moves, we never received the bill nor any follow-on statements. I first I discovered the transaction when I found it on my annual credit report review about a year later in XX/XX/XXXX. At that time it was negatively affecting my credit score and I thought it was fraud since I did not have the card or the account it was referencing ( plus it had an incorrect name as XXXX XXXX instead of XXXX XXXX ). I tried to have it removed for several months as fraud, speaking with and sending letters to both JCPenney and Synchrony Bank ( who processes their card ). In XX/XX/XXXX, I determined it must have been legitimate based on the location and time of purchase which was disclosed to me at that time by Synchrony Bank. lt was in our home town in Ohio and we were there at the time. I paid the amount they indicated ( with fees at {$53.00} ) on XX/XX/XXXX and confirmation number XXXX. I was told to wait 2-3 weeks and then dispute the charge through each of the XXXX credit bureaus so that JCP/Synchrony would erase it with notification back to those bureaus. In late XX/XX/XXXX, I talked with each of the bureaus ( XXXX, XXXX and XXXX ) and each entered a dispute back to JCP/Synchrony. I have heard back from XXXX of the XXXX Bureaus indicating that JCP/Sychrony felt the transaction was valid, paid and nothing more would be done. 
This is unacceptable. I have had excellent credit for 50 years. I have no other negative marks on my credit, having XXXX-XXXX mortgages over the yearts and currently holding XXXX bank credit cards and XXXX-XXXX retail credit cards. This will negatively affect my credit for at least another 5 years. I need your help to erase this transaction information from my credit reports. I could not pay the bill since I never received a bill back in XX/XX/XXXX since the retail clerk posted it to the wrong account.