23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My ex husband stole over {$3000.00} from my account while I was XXXX. My mother had my card and personal information to my bank only she did not give the information or the authorization to 60+ transactions he made to my account which is now closed because after denying my disputes they accused me of making a purchase against their policy and closed my account. Then proceeded to tell me that when I filed an appeal that they would not let me have the money that would be reimbursed to me I would not receive it in check nor could I withdraw it from my account after it was closed. For one I didn't have a job and I was in XXXX  so I couldn't have made the purchase against their policy and I was XXXX  when the transaction took place. I disputed them as best I could with their poor customer service which I had to make multiple disputes due to the customer service agent not paying attention and disputing all of them on one dispute ticket I had to call multiple times to get all disputes disputed. I waited longer than 45 days for their decisions and all was found no error occured I went to dispute their decisions and they told me my account would be closed leaving me in a hard bind and no longer owning a bank account I've had for over 5 yrs. I feel as if they didn't listen to me and decided to not reimburse me my $ XXXX I do have all the documents on this issue but do not have them available at this present time. If needed documents at later date feel free to ask
Product: Money transfer, virtual currency, or money service

I was on XXXX looking for homes when I applied for a home I was told that I was approved l. I then began speaking to a person by the name of XXXX XXXX who told me in order to secure the home I need to send off the deposit and first month rent. I sent that over and after that I received no more response. I then called through XXXX and they said that the home is not for sale. On the XXXX I called My bank chase asking for assistance and they have now responded saying they have nothing that they can do. 
XX/XX/2022 XXXX payment to XXXX XXXX XXXX XXXX {$920.00} {$920.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : {$960.00} {$960.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : {$460.00} {$460.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : {$460.00} {$460.00}
Product: Payday loan, title loan, or personal loan

I have had multiple problems with this company and payments over the life of my loan. They will not provide anything in writing and continually tel me two more days, two more days while interest keeps charging. They can never answer my questions right away and never call me back when they say they are going to. They have very bad business practices. Do not work with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent credit card account with Amex that's reported as delinquent on my credit report. The account was opened in XX/XX/XXXX, while I was living in XXXX as an expat, and belongs to someone else that lives at an address in Texas that I do not recognize. I have tried to dispute it both with XXXX and Amex when I first noticed it on my credit report in XX/XX/XXXX, but it never got investigated or addressed, and now it's affecting my ability to qualify for an apartment lease. Both XXXX and Amex have denied accountability by directing my inquiry/ dispute to the other. Amex customer service pretended to have handled the issue when I talked to them on the phone, but still the fraudulent account remains on my record. XXXX denied my dispute on the ground that I have already tried in XXXX and I can not file the same dispute twice. 

I have always paid my bills on time and have never had any financial problems, but now I can not even get an apartment thanks to the credit rating system.
Product: Credit reporting or other personal consumer reports

All derogatory remarks, hard inquiries, late payments and, unverified items listed in the invoice herewith remain on my credit report in violation of Federal Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You are required under Federal Law and the FCRA to have the written consent and a copy of the original creditors documentation on file to verify that this information is mine and is correct. If anyone verified information on my credit report without my oral or written consent has violated my rights and has committed fraud. under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. By XXXX : XXXX the Original Creditor and consumer according to 15 U.S. Code 1692a Definitions The term consumer means any natural person obligated or allegedly obligated to pay any debt. ( XXXX ) The term creditor means any person who offers or extends credit creating a debt. 

Damages 15 U.S. Code 1681n - Civil liability for willful noncompliance The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Checking or savings account

In 2016 I was a victim of identity death I have in the time to bank accounts I called the banks one of them was Bank of America and XXXX XXXX I call Bank of America and I let them know the problem I told him that I needed to close the account and open another one because of the test and they close my account never open it and charge me for something that I didn't do I still till today that I haven't been able to open a bank account this is really annoying
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I, XXXX XXXX recently pull my Credit Profile and notice an extreme lates that were reporting on my credit report. The below LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of the account. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payments history information. This student loan has been in forbearance and shall not be reporting late to my credit profile PERIOD. This account is reporting late as of XX/XX/2019 and has affected my credit report tremendously which is a BIG VIOLATION OF THE FCRA 623 ( a ) 2 PLEASE UPDATE AND REMOVE IMMEDIATELY!!!!!!

Account Name : XXXX   Account Number : XXXX According to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fait Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

This complaint is against XXXX XXXXXXXX XXXX  Account # XXXX. I have no contract with this 3rd party debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FCRA, FDCPA if this account isn't removed/ deleted from mv consumer reports I will pursue suit and remedy to a federally protected consumer. XXXX XXXXXXXX XXXX  Account # XXXX I have never done business with XXXX XXXXXXXX XXXX Account # XXXX delete this from my consumer reports. I am also questioning the account balance lIsted own my consumer report shows a balance but why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence. You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account buy the name of XXXX XXXX XXXX  Account # XXXX? If this is a collection account how can you put a status of " XXXXXXXX XXXX. past due ''? have never opened an account with XXXX XXXX XXXX Account # XXXX remove and delete this immediately. Why is there a date opened? I have never opened an account with XXXX XXXXXXXX XXXX Account # XXXX and if I have where is the evidence that gives you the right to report this on mv consumer report? DELETE REMOVE IMMEDIATELY
Product: Money transfer, virtual currency, or money service

PayPal authorized a three year auto-renewal to a magazine subscription. When I disputed the transaction, they supported the merchant and paid the debit. I explained that the auto renewal was from three years ago and is automatically put on the account. The magazine did not notify me of the auto renewal prior to debiting my account. I was not aware it was on auto-renewal. 

It was my understanding that PayPal protected their customers from deceptive activity as any merchant can say the account was on auto renewal. 

They provided me no evidence I agreed to the auto-renewal, but gave me a PO box to write to if I wanted it. Now I have to send another written request to gain access to their evidence?!
Product: Consumer Loan

I requested a payment deferral for XXXX payment. The customer service rep was helpful in doing so. I paid the interest as they required. In XXXX I noticed my bill was past due. I called and spoke to another rep. He informed me I had to submit a letter stating why I needed the deferral. I did as he asked. I also explained to him I was never informed. XXXX statement is received and the account is current. I am in the process of buying a home so my credit was pulled and it shows that my account was 34 days past due for XXXX. I called to get an explanation onto why this happened and was told my deferral was processed for XXXX when the letter was received and it was not credited to XXXX as it was supposed to be. Now my home loan is going to fall through and I already submitted my cancelation of lease and will be out of a home come the end of XXXX. All of these conversations happened over the phone. No emails were sent by the company or any documents in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase a XXXX airfare ticket to Virginia through Affirm and had three payment to each month. I paid off the three payments early. I go to my review my credit score and it dropped XXXX point because the affirm company reported me as delinquent. It is causing great harm as well as a various inconvenience regarding apartment rental, car purchase and so forth .The Affirm app on my phone gives me nothing to work with.
Product: Mortgage

We refinanced our home and closed our loan with Nationstar Mortgage LLC d/b/a Mr. Cooper in XX/XX/XXXX. Our new Mortgage company paid off our loan with Mr. Cooper on XX/XX/XXXX. We were owed a refund for overpayment and received a check in the amount of {$4300.00} on XX/XX/XXXX. Our bank held the check for clearance and then released the funds, which we began to use. On XX/XX/XXXX, Mr. Cooper placed a " Stop Payment '' on the check, which made our account negative in addition to fees. 
We called Mr. Cooper for an explanation and were told the original check was incorrect by {$9.00}, which they owed us the additional {$9.00}. Instead of sending us a second check for the {$9.00}, they cancelled the original check. We have been in constant contact with them for the last 3 months and every single week, sometimes twice a week, we get a different answer as to why we still have not received the refund that is owed to us in the amount of {$4300.00}. Every agent we speak to assures us they will find a resolution and call us back. We have yet to receive a call back or receive any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize Navy Federal permission to run my credit on XXXXXXXX XXXX,2021. 

Who in their right mind runs a credit not once but twice.
Product: Checking or savings account

I Open and Account With Chase and Chase Close My Checking Account Without My Permission and Said to me no New Account Cant Be Open Please Help me with this Problem. i did not do anything wrong and Chase closed my account XX/XX/2018 Account Number : XXXX for no Reason please help me with this problem i dont know why chase closed my account without my permission please help me with this problem.
Product: Credit reporting or other personal consumer reports

This account shows I am an authorized user and have a XXXX balance. It is negatively affecting my credit score. I do not know who's account it is. I suspect it is my father but we have been astranged for years. I do not have any XXXX XXXX XXXXXXXX XXXX XXXX or bank accounts and they are unable to locate the account. I do not have the full account number or card and I have no idea who is making the minimum payments. I would like to be removed as an authorized user.
Product: Checking or savings account

I have been dealing with this issue with the US bank for a year now and they still have not resolved this matter. My account was closed on XX/XX/XXXX and they issued me a cashier 's check which I did not receive. I contacted the bank and upon their investigation they discovered that the check was stolen and someone fraudulently changed the name and deposited the check into their account. ( That information was provided to me by the bank ). I filed a claim to get a replacement check and I have been waiting ever since to get my money back from the bank. The problem seems to be that no one is able to provide me with the correct information regarding my claim. I have reached out to the customer service also visited the branch so many times hoping to get some answers and get my money back. Last time I spoke to the bank they told me that I should receive the check some time in XX/XX/XXXX but that did not happen. I went to the branch office on XX/XX/XXXX. I was working with the client relationship specialist to find out what is going on and this is what I was told. ( refer to the attachment ) None of this make any sense. I just want my money back. This is very frustrating. At this point I want to take legal action regarding this matter.
Product: Debt collection

This Account Was Falsely Put On My Account And Was Taken Off Due To Inaccuracy And Now Its Put Back On Ive Had Nothing To Do With This Company
Product: Student loan

XXXX was my server and Inputed my income base payment information. In to syetm wrong amd made my account 180 days late which posted to my credit.. I had to taken off credit because of information. was incorrect now with new server nelnet it's back on credit report and come to find out XXXX I have asked many times from nel if I could get this info and they will not give me hard copy or email of anything of my account... well fed never fixed my loan so now it says I wad late in 2018 which messes with my investment and my income repayment vecaue it restarts it is I didn't pay which I did becauw my payments then and still now are still XXXX.
Product: Debt collection

I have a debt collection agency Listed on my credit report named Assetcare LLC, collecting on the behalf of XXXX XXXX. I 'm disputing this debt because Assetcare LLC is n't license in the state of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. 
Transunion, XXXX and XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.

I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting.

Information provided to me indicates original date of delinquency of XXXX XXXX  which is now over 6 years old and is now time barred.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received a notifications from MyFico stating my student loan has been updated. XXXX is reporting an increase however my student loans has been deferred. Also the balance of my student loans went from XXXX to XXXX. XXXX is now reporting that I owe then XXXX XXXX dollars. They are reporting this to TransUnion, when I contacted Transunion, they did confirm XXXX is reporting this mistake. This is a huge mistake. XXXX refuse to fix it. This needs to be address asap. This is an reporting error and XXXX refuse to fix it. How do I owe the XXXX XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

A new collection was reported on my Experian account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. Experian keeps messing with my credit account and we do not know why this keeps happening.
Product: Checking or savings account

On XX/XX/2017, I had a theft from my bank account of {$720.00} due to someone fraudulently using my debit card to make a purchase online at XXXX XXXX. I immediately reported it to my bank which is XXXX XXXX located in XXXX Oregon. Their parent bank is Compass. I also, immediately, filed a case with XXXX XXXX and filed a report with my local law enforcement. This happened a week ago and not one person from Simple 's disputes team has reached out to me to discuss what happened despite my desperate efforts through emails and phone calls. I have done everything I can possibly do to get my money back, and the fact they will not even acknowledge me is unacceptable. I have rent I need to pay, medication I need to buy. This is a whole paycheck that was stolen from me. I am the victim of a crime, and the bank is victimizing me all over again. The bank 's dispute email is XXXX and their number is XXXX.
Product: Checking or savings account

So I have worked seasonal at XXXX last XX/XX/XXXX. I've worked there seasonal employment for past three years. And this year was first time I had any issue with payments to XXXX XXXX and Netspend. I noticed my paycheck was added to the card every payday but that i didn't increase balance in which I knew the issue needed to be addressed. I found this out in XX/XX/XXXX but like everyone else attached to this lawsuit I began to question my own issues the morals ingrained in your mind. So I requested a copy of my statement from XX/XX/XXXX to XX/XX/XXXX but I never got one. I kept getting the run around with bogus reason to justify their denial. And so I just felt nothing was fairly represented and to just help in considering certain issues. Without deceiptive business practices and obtaining a certain level of trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to experian/ XXXX/ XXXX/ XXXX XXXXXXXX XXXX/XXXX XXXX XXXX/ XXXX XXXX/ XXXX/ XXXXXXXX XXXX on XX/XX/2018 requesting to remove the inaccurate accounts of my credit report. amounts are XXXX XXXX and XXXX.