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

In XXXX, someone used my credit card to purchased something name : XXXX which I did not authorized. I lived in XXXX, Texas and I got hit by the storm, no electricity and water for a week during XXXX. Our pipe were burst, leaking everywhere so I do not have time to check my credit card account. Here are all of the charges : XX/XX/XXXX - {$8.00}, XXXX $ XXXX XXXX {$9.00} XXXX XXXX {$8.00} XXXX XXXX {$43.00} XX/XX/XXXX {$43.00} XX/XX/XXXX {$210.00}, {$130.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$260.00}, {$860.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$43.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$130.00}, {$86.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$390.00}, {$210.00} I spoke to the representative since the credit Chase gave me was reverse. He told me that he submitted for reinvestigate. There are no way I could spend this much of money during pandemic and after the storm for something. XXXX XXXX  representative told me to investigate on my end. I XXXX  and emailed XXXX  to verify but they couldn't verify because I told them I did not authorize. They told me my credit card information are stolen for the purchases. I will attached the email for you guys. They even told me the product of the scam was some kind of game. I need your help. I do not event have the much of money in my account to pay for it, why would i done something like this to go to debt and hurt my credit score.
Product: Credit card or prepaid card

I contacted Best Buy Credit Card and notified them that I had an authorized card that was open up and was not me But i was the authorized for the account. It was a Trade-name that was being used which is unlawful, I had also written them a identified that this was a serious -error that i needed this matter to be corrected immediately. On XX/XX/XXXX I sent them a lawful order letter called a notice of error which was received by the alleged creditor by certified mail. I also told them to transfer me to the fraud dept to report the card as fraudulent which is was and told them that it needed to be corrected immediately which it hadn't. 

I spoke to their fraud dept and they gave me a case number and a told me that they were investigating it. 90 -days past so i contacted them again and nothing was done. I spoke to their dept called the CAA dept ans made a complaint again and reported it as fraud On XX/XX/XXXX. The rep representative told me that he didn't see any record of my previous complaint so he would have to make another complaint. This process took approximately four hours. This account is not in my name it's a fictitious -name i do not have any record of it and i don't know who this person is which is why i reported it as fraud in the first place. Using a fictitious in commerce is fraudulent, and there are several contractual defects associated with this matter. I called wrote letters they never fixed anything or did anything about it whatsoever. 

I also reported the account to the credit bureaus as well, nothing is getting done. I feel like im getting the run around and i need you to look into this for me please.
Product: Credit reporting

HelloI have been turned down for XXXX business bank accounts. the banks have told me that it is because of negative info on chexsytems. So i went to the chexsystem website. ( no complaints or info can be had via the site or telephone. its said i had to request a copy of my report via Mail. so i submitted my info and personal address to this company. the site syas i will get a copy in the mail in 5 business days. so after 7 days still no report. i requested again. its been now 7 6 more days and till no report. i also called the phone number yet still no report. they have no way to reach a live person. Now I have not had a bank account since 2007 this was payed as agreed and closed. I cant open my business. I want all info removed and the delay of information fro them is inexcusable. I am hoping this organization can help me asap to clear my report that they state is only going 5 years back and i am past the point of being nice i should have had that report almost 2 weeks ago. the delay in banking has cost me over XXXX in lost earningsplease make them clear my name I have tried to upload a rejection letter from a bank but system wont allow I can forward via email if need be
Product: Debt collection

I received a letter dated XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX stating that they are trying to collect a debt that I owe to " Huntington Debt Holdings LLC '' in the amount of {$1900.00}. 

I have never heard of " Huntington Debt Holdings LLC ''. I have had no contact with that company, and have never taken out a loan or debt with them. 

I have taken action to formally dispute the debt with XXXX XXXX XXXX. I submitted my dispute through their website at " XXXX XXXX XXXX XXXX and I have mailed my formal dispute to them. 

So far I have not received resolution to this fraud claim. 

I also had credit freezes in place with XXXX, XXXX, and XXXX. I have placed a fraud alert with all 3 agencies to try and help prevent against similar cases of fraud like this in the future.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Re : Urgent Request Fraudulent Information and Inquiries Block under Section 605B of the FCRA To Whom It May Concern, I am writing to request the immediate removal of fraudulent accounts, collections, charge-offs, and inquiries on my credit report due to identity theft. The inaccurate information listed below has caused significant harm to my credit, and I am invoking my rights under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to have this fraudulent information blocked and permanently removed within four ( 4 ) business days of your receipt of this letter. 

Collections : 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 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 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 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 I demand the immediate removal of these fraudulent accounts, collections, and inquiries, as they were not authorized by me and are negatively impacting my credit. Failure to comply with this request will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seeking monetary damages for harm caused by continued reporting of inaccurate information. 
I expect written confirmation by XX/XX/XXXX confirming the permanent removal of all fraudulent information listed above. 

This is a time-sensitive matter, and you are now officially on notice. If you fail to act promptly, I will escalate this matter to the appropriate legal authorities to protect my rights and restore my credit. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX {$71.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX
Product: Credit card

I first reached out to XXXX about unsatisfactory item. The shoes I purchased were stained and smelled funny. They were not in greatcondition like advertised in listing on website. I asked to return and refund and was told no. 

I reached out to XXXX. I sent proof ( pictures ) of the stained shoes and markings all over them and showed XXXX policy of items must look like what they are listed as, XXXX agreed they did not and were not in great condition. XXXX said if I returned the shoes they would issue refund. I returned merchandise to poshmark and provided tracking info. XXXX said XXXX agreed to the refund. XXXX said they saw the item was return per the tracking info and the refund was issued. 

I was waiting for refund and it was taking awhile so I asked Discover my credit card that is connected to my XXXX account and, the agent took over and initiated the dispute. A temporary credit was issued. Then poshmark responded changed their tune and did not agree to refund and Discover found in their favor. I reached out and asked why and found out they over looked many documents that I had send so the reissued a temporary credit. 

I waited several more moths and checked in regularly with them and they kept saying it looked like it would be found in my favor. I was worried and asked what would happen if it was not found in my favor. I was told on multiple occasions that they could do something in house to make things right. I found out today it was not found in my favor. I asked if they were going to do something in house to rectify this since I no longer had the product in my possession and, they said they wouldnt. 

I contacted XXXX and they said the case could no longer be reopened so Im looking to you for help. This is not fair. Im being required to pay for goods that I no longer have. Its not right. Its highly unprofessional that XXXX didnt honor their policy to begin with. Then for Discover to take over a dispute only to leave me with zero resolution or options moving forward and to pay for goods I no longer gave ownership of.
Product: Credit reporting or other personal consumer reports

METHOD OF VERIFICATION REQUEST ( THIS IS NOT A REINVESTIGATION OR DISPUTE ) TO YOUR COMPANY. I HAVE SENT DISPUTES FOR ACCOUNTS ON MY CONSUMER REPORT. 
AFTER THE DISPUTES WERE FINISHED by your company, THEY CAME BACK UPDATED AND VERIFIED. 
THE ACCOUNTS THAT I HAVE DISPUTED ARE STILL REPORTING INACCURACIES IN THE DATE OF LAST ACTIVITY/STATUS DATE AND THE PAYMNET HISTORY AND WHO IS REPORTING. 
I OBJECT TO OPENING ANOTHER DISPUTE ( DO NOT OPEN ANOTHER DISPUTE ) I OBJECT TO OPENING ANOTHER REINVESTIGATION ( DO NOT OPEN ANOTHER REINVESTIGATION ) I am now requesting which is my right under the FCRA THE METHOD OF VERIFICATION USED FOR EACH INDIVIDUAL ACCOUNT LISTED FROM MY PREVIOUS REQUEST. 
I OBJECT TO OPENING ANOTHER DISPUTE OR OPENING ANOTHER REINVESTIGATION. ONLY GIVE ME THE METHOD OF VERIFICATION/DECRIPTION OF REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT ONE BY ONE AND NOTHOING ELSE WITHIN 15 DAYS.

IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED UNDER THE FCRA, YOU WILL DELETE OR EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. 
DELETE : ( XXXX  XXXX ) ( XXXX BANK ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) ( BANKRUPTCY CHAPTER XXXX ) YOU WILL UPDATE THESE ACCOUNTS TO PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY FOR EVERY YEAR AND MONTH REPORTING : ( XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express is charging {$15.00} after I paid the balance in FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried several times to request my credit report and File its not excepting my verification information the information they are using is inaccurate I have attached my State IDentification card and social for verification
Product: Student loan

I just checked my credit score and I seen Navient keeps removing thousands of dollars from my account as a payment then adds that same amount back plus more money and THEN added interest. I am being scammed and I have been BY them for years. I need help. I'm in so much debt and they are literally stealing my money under my nose and who knows how long this has been going on. 

I have school I attended, anthem, that was shut down and they refuse to help me with that. Even though I am allowed to get the money returned they absolutely won't help and refuse although I have proof! 


They sell and buy loans back under your nose and this ultimately costs you so much..these loans are from ten yrs ago and I have accumulated so much debt in loans and they try to encourage deferment then when you look at your account you see they have been scheming you because your NOT looking at your account! While In deferment!!! 

I don't even have current documents because I'm in deferment. They sell and buy my loans and change interest rates and it's not ok!!
Product: Credit card or prepaid card

My card was paid in full and on autopay also not being used, I was charged XXXX late fees for {$40.00} which were reversed but they hit me for 30 and 60 day lates. I was not notified or had any communication from Barclays until after the late fees were charged, and was told it was a system error. My credit now shows the late payments which has affected my ability to refinance my home. I would like this removed from my credit report as I have no prior history of default or being late on any recurring credit lines.
Product: Money transfer, virtual currency, or money service

We open 2 Account at CITI bank, one for me and one for my wife. We were instructed to transfer money into each account by making 2 wires, one for each account, which we did. CITI representative agreed that they placed both wires in one account by mistake, but in order for my wife to also receive the bonus, she must receive money from another source outside of CITI. So we needed to wire the money back XXXX XXXX  and have them wired into my wife 's CITI bank ' again. I spent over 3 hours trying to wire the money back from CITI to XXXX XXXX, but their system would not work. I called CITI and after 5 tries, their help desk asked me if I could go into a branch and she would send instructions for the branch manager to help me. Next day, the branch manager, who was already aware of this called and asked me to go into his office. I did and he did all the work for me and called it a success. Then the next day I called XXXX XXXX and they had not received he wire. I called CITI bank Wire department, and was told that all that needs to be done is for them to verify me and and sent the money. He did the verification and told that the money should be in my XXXX XXXX in on hour. One hour later, two hour later 3 hours later I called and the money still was not in my XXXX account. I called CITI bank 's wire department again a different person answered and spent the next 45 minutes talking with this rep. who was unable to send the wire. I asked to speak to hid manger. After a few minutes his manager comes on the phone. I asked for his name or his I.D number first, which he refused to provide. He told me that our account is too new and that they will not do the transfer. He said that they won't even send the wire back to were it originated from.
Product: Debt collection

This debt was submitted for collections without proof of debt owed. The company was contacted phone and could not verify or provide any proof. It was then agreed that the debt would be satisfied after speaking to the companys alleged lawyer. However the account remains on my credit report after I have been garnished for an unverified debt that has since been paid in full.
Product: Debt collection

AAFES, XXXX XXXXr Credit Card was issued to me. After I used the card and paid much of the debt, I had used the card again and was in good standing for 2 years with the company. 
My husband and I separated in 2016. I fell behind in payments and the debt went to collections. They harrass me and threatened to garnish my wages. 
I am now going through a divorce and I am unemployed. I have NOTHING! 
AAFES, and their collection agency ( TOPS ) make threats and say they will take my Federal Income Tax Return.

The debt is {$4000.00} with over {$1500.00} in interest! 
They are crooks!
Product: Mortgage

I refinanced my home on XX/XX/2019. I felt that I had to refinance solely because of the issue I had this year with Mr. Cooper and my mortgage, specifically the escrow account. I still have not received my full escrow balance from Mr. Cooper as of XX/XX/2019. Mr. Cooper has collected {$6200.00} in escrow monies since the beginning of this year, as of XX/XX/2019. On XX/XX/2019 I received an escrow statement of monies collected between XXXX and XX/XX/2019 totaling XXXX. I received {$3100.00} payment on XX/XX/2019. Six months of XXXX total {$3200.00}, a {$82.00} variance. Also not included are the monies collected from XXXX to XXXX of 2019 in the amount of {$2900.00} was not calculated to my escrow balance. Mr. Cooper still owes me {$3000.00} of escrow money collected. I have attempted to call Mr. Cooper however they have closed this account and I was unable to reach any customer service that would address my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate suggesting the disputed accounts were verified and they belong to me. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the reporting of the following accounts are STILL NOT accurate. Account Name : XXXX Department of Education - Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. Additionally I have attached a side by side comparison of the following accounts. The open date varies, the balance varies, yet the account numbers remain the same? So how are these accounts being reported as 100 % accurate?
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

This concerning by prior complaint with PNC, during my research I found that there was no XX/XX/2023 statement thus my {$200.00} payment from XXXX didn't post causing the Late fees. I have attached documents proving that possible fraud!!! XXXX the PNC has been no help at all!!!! My PNC expedited case number is XXXX.
Product: Student loan

I 've been dealing with this since  XXXX / XXXX . I 've spent over five hours on the phone with various Navient employees trying to have them remedy this : they never applied the checks sent in, and deducted from my bank account, to my student loan account.
Two weeks ago, I spoke with   XXXX   XXXX  , a supervisor, and he said he would make sure to get it taken care of ; and he apologized for all of the trouble I 've been going through, trying to get this resolved.
They have still not reconciled my account, it shows I 'm " past due, '' and they 've falsely reported their error to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of severe identity theft and fraud, tax fraud, financial fraud, thats been ongoing and law enforcement nor id shield is willing to help with past fraud to help me move forward in my life, i am XXXX  XXXX need help with things like this being its taken a stressfull tol on my mental and physical health. My credit history goes as follows only negative issues in all my lifethay should be on my reports is XXXX ) child support arrears i had and paid in full XXXX WHY STILL COLLECTING ON IT I DONT KNOW need documentation to show ORS that i paid this off please help with that id possible ; XXXX ) XXXX XXXX XXXX i paid off in full long time ago ; XXXX ) XXXX XXXX XXXX fines i paid off in full awhile back ; XXXX XXXX, XXXX my identity was stolen, i had a credit score of about 672 come XXXX XX/XX/XXXX my score plumetted to XXXX due to identity theft fraud i could not get into equifax to check credit since then until recently now i am unable to get into experian account due to ongoing fraud XXXX varies with access but that is due to security questions i dont know answers to because THE THIEVES STOLE MY IDENTITY AND I HAVE NO KNOWLEDGE OF WHAT AUTOMOBILE THEY PURCHASED OR WHAT LINE OF CREDIT THEY RECIEVED AND MONTHLY PAYMENTS ON MORTAGE LOANS NONE OF THIS IS ME! PLEASE HELP I CANT KNOW WHO TO TURN TO ANYMORE i have id shield services and smart score DONT INVESTIGATE PAST STUFF IM WILLING TO PRESS CHARGES ON THESE THIEVES TO HELP PROBLEMS WITH FRAUD IN MY COUNTRY