23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX XXXX, account number 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 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit card or prepaid card

1. I contracted with a moving company ( XXXX XXXX XXXX  ) for moving services and charged two deposits for the move ( {$930.00} and {$200.00} ).

2. On the day of the move ( XX/XX/XXXX ), the moving company showed up and attempted to DOUBLE the cost of the move without approval, notice, or any agreement on our part. It was an attempt to extort money.

3. I refused to be taken advantage of by the moving company and cancelled the move.

4. I immediately ( that day in front of the moving company ) called Chase and asked Chase to stop payment of the deposit charges was engaging in deceptive and fraudulent practices.

5. We made a separate agreement with a moving company and proceeded forward with the move.

6. Written documentation ( XX/XX/XXXX ) was sent to Chase regarding the disputed charges.

7. Since that time ( over 3 years now ) Chase has continually responded that the charges were valid for two reasons : A. We did not cancel by giving the required 10 day notice.

B. The company provided Chase with a " bill of lading '' for the move 8. A. I do not believe it is reasonable to enforce a 10 day cancelation policy when the company attempted to double our charges on the day of the move. That is not a reasonable expectation or reason Chase should deny our claim to have the charges removed as requested on the day of the move. Chase was properly notified and no services were provided by XXXX.

B. The " bill of lading '' provided to Chase by XXXX was not a " bill of lading, '' it was a pre-move list of items to be moved ... clearly dated XX/XX/XXXX. The move did not occur until XX/XX/XXXX. This has been documented and sent to Chase over and over, yet Chase refuses to credit our account.
Product: Credit reporting or other personal consumer reports

I've disputed some inaccurate trade lines on my report through the website and it came back verified. The account in question is XXXX XXXX XXXX XXXX  acct # XXXX, inaccurate and missing data in the payment history. XXXX XXXX XXXX partial acct # XXXX inaccurate and missing data in the payment history. XXXX XXXXXXXX Partial Acct # XXXX, reporting as a charged off, is reported income should not be reporting a balance this inaccurate. 

I never applied, done business or have an account with these people, I've called and sent letters haven't receive anything besides some business trying to receive finance. I have been a victim of multiple data breach. From Experian 's to cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. to people receiving XXXX funds in my name and chase glitch. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We sent a dispute letter on XXXX XXXX, XXXX questioning the SOL of a judgement from XXXX XXXX and how they got a judgement without proof of a debt. XXXX XXXX they filed to renew the time barred judgement and on XXXX XXXX they attached my husband 's bank acct. and withdrew {$610.00}. We have numerous reasons to vacate the judgement in the first place and of AAA Collections in XXXX XXXX, SD violating the FDCPA.
Product: Debt collection

My identity was stolen. I have not lived at my moms address since I was XXXX old and I told them it was identity theft and they are trying to tell me I played a party in the theft of that was the case I would not be trying to get it removed. They also tried to validate it with my moms address and send it to my new address as validation but the original creditor and address is not mines. That address was my mothers. It was a XXXX credit I played no part in due to the fact I sent them police report of the identity theft and they still dont want to remove it.
Product: Checking or savings account

XXXX unauthorized transactions have been made on my Chase debit card totaling more than {$1500.00} resulting in my account being overdrawn and my cards having to be cancelled. First unauthorized transaction on XXXX XXXX for {$1300.00} at a XXXX grocery store in XXXX Georgia and then on XX/XX/2023 for {$200.00} at another XXXX grocery store in XXXX Georgia.This is really hurtful and traumatizing. I have bills I have pay and a family all I can do is breakdown and cry because my family is suffering because of this. I talked to a representative of Chase Bank and was told this would be quickly resolved.
Product: Debt collection

I had a medical debt in the amount of {$240.00} that I recently paid. I received a notice form Transworld Systems Inc. I called to try to tell them I paid the debt, however the number goes right to a voicemail and I can not leave a message. There is a website, so I logged on but I continuously get an error, and the screen will not provide me a number to call. I have no way of communicating with them that this debt has been paid.
Product: Money transfer, virtual currency, or money service

Well, apparently some fraud has been happening in my bank account in my savings account that I did not have no money in or none going into so I really never checked it online but apparently there were some wire deposits that were going in and taking out and I had no idea but then they tried to do it on my checking account in XX/XX/XXXX the same day that my Social Security check was deposited and the bank allowed them to withdraw {$1000.00} of my Social Security check that I live off of. They keep saying this is all my fault but when I dont even know what happens until Im missing the money then I noticed it and then came back and they are doing an investigating on my accounts. All my accounts were closed XX/XX/year> they are saying due to my fraud my activity. I do not do fraud activity. I live off my XXXX check in this bank is allowing these people to keep doing this to my account without stopping them. I feel that theyre trying to take my money. Is it fraud or is it the bank inside somewhere doing this? In the meantime I look bad they close my account inconvenient to me and now Im waiting every day to get their decision on my account. I wait for a letter through the mail to come back and say theyre not gon na give me my {$1000.00} back which theyre investigating right now about it. They came back and said all the other accounts were my fault and I didnt even know that was happening in my account so now Im just waiting for this last one on my checking account, that is the one for my {$1000.00}. I did not OK nobody was taking it out and they gave it to them.. I hope something can be done about this because {$1000.00} is an awful lot for me. Thank you for letting me share please someone help me get through this and figure out what to do. Thank you again and have a wonderful day.
Product: Credit card or prepaid card

On or around XX/XX/XXXX, I opened a Cash Secured TD credit card at the XXXX XXXX, Florida location. The card deposit was {$2000.00} and the account number was XXXX. The last 4 of my SSN is XXXX. The account was closed on or around XX/XX/XXXX. TD Bank falsely reported late payments in XX/XX/XXXX and XX/XX/XXXX to the three credit bureaus. The nature of my demand is that I respectfully demand that they adjust the credit reporting and remove those late payments reporting. Earlier in XXXX I had expressed to a customer service representative my desire to close the account as I no longer had any interest in keeping the account open any longer. On XX/XX/XXXX, I mailed a letter to TD Bank demanding that they close the account with the security deposit effective immediately. However, for reasons unknown, my letter was ignored, and TD bank continued to keep the account open and delinquent. If they had closed the account as requested, this would never have happened. Over the years I reached out several times to TD Bank to attempt to resolve this matter amicably. My complaints have fallen on deaf hears. At this time, I demand that they resolve this matter amicably. Otherwise, this is a formal request to proceed with Arbitration as I wish to claim damages for this impropriety. By law and the card agreement, they can not keep on ignoring my request for Arbitration. I hereby demand that they respect my wishes to proceed with and commence Arbitration proceedings if we can not reach a resolution to this matter. They may contact me at XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A : States that I have right to privacy. 15 U.S.C 1681 Section 604 A Section A section 2 : States 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 other adverse items of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C 1681 s-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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect my PRIVACY. I called TransUnion after I purchased a credit report from XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX Accounts : XXXX XXXX Balance Owed : {$0.00} on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

A copy of my Registration Certificate, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting. 
Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1691 section 602 A. States I have the right to privacy. 

15 U.S.C 1691 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. 

XXXX XXXX XXXX XXXX XXXXial XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX FL XXXX THIS NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX GA XXXX NEEDS TO BE REMOVED BECAUSE IT DOES NOT BELONG TO ME I NEVER WORKED FOR XXXX OR XXXX XXXX
Product: Checking or savings account

Hello, My name is XXXX XXXX ; I have contacted Chase in this manner. Chase bank representative told me that it is my fault for making Chase bank checks bounce. 
Bellow is the listed issue. I have notified XXXX in this about this. 

Chase bank charged my account a payment of XXXX $ on XX/XX/2019. When the Mortgage is paid in full on XX/XX/2019. The chase bank bounced the check on the customer and made the customer own the check fee. The second is the check should not be short the mortgage to the customer and should be accounted exactly by the chase-banking department. The customer has paid the balance in full on XXXX XX/XX/2019, customer got charged by Chase amount of XXXX $ do this day. The customer has called Chase bank to solve this matter ; Chase customer service told customer that it was their fault for chase bank bouncing the check after the balance is paid in full, customer was charged a check bound fee, chase bank is committing bank fraud. 

Chase bank told me that it does not refund check that bounce, when the Chase bank was responsible for stopping payment in the first place. 
Chase is committing bank fraud by charging the customer bank fee, without their consent and notification. 

Refund the customer XXXX $ for the XX/XX/2019 payment, which was charged by chase after the customer paid the balance in full. 
Refund the customer {$5.00} check bounce fee in the poor accounting case by chase.
Product: Student loan

My debt has been repeatedly transferred to different servicers without any proof of accounting, proper accounting, proof of standing, and other supporting documents. The complaint recently filed against Kentucky Higher Education Assistance Authority ( Complaint No XXXX ) was the first time the servicer corresponded with me or my legal counsel regarding the debt. They responded saying they would cease collection notices based on " HESAA not providing a promissory note or other relevant documents ''. NJHESAA and FFELP have repeatedly failed to provide documents supporting the debt and their right to make demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXXI requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of NELNET. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.
Product: Money transfer, virtual currency, or money service

Hello. Today, XX/XX/XXXX, I deposited two USPS money orders at a Chase bank - directly to a teller. The amounts were : {$1000.00} and {$200.00}. Upon depositing these USPS money orders, the teller informed me that only the smaller amount would be made available immediately and that the larger one ( {$1000.00} ) is put on hold until XX/XX/18. 

I was unaware that USPS money orders, under the amount of {$5000.00}, are federally subject to next day availability. Upon discovering this just minutes ago, I called their Customer Service line and informed them of the aforementioned. I was then informed that I should call back tomorrow to see if their Deposit Hold department would help me out and expedite the USPS money orders for me. 

I was counting on these money orders and went through USPS specifically because they are the most trusted.
Product: Student loan

I went to XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and I they I was over paying now I am i collection tring to pay on loan but it is hard to do they took my income taxes that I worked hard to have and I am so streed out because wr take out these loan and dont see none of the money and these teachers is no doing thete jobs to make sure we dont get drop t b eu email you late and contact you late days after you had a situation needed to be adressed
Product: Credit reporting or other personal consumer reports

Due to a data breach my identity was leaked causing fraudulent accounts to be placed on my credit profile
Product: Checking or savings account

Truist Bank allowed fraudulent XXXX transactions on my account without notifying me through email or phone notifications. I did not authorize these transactions. I repeatedly explained to them that I did not authorize these transactions, to which they claimed that I did. Truist allowed this criminal to drain my checking account of my financial aid refund, that I need to pay for school supplies. I have no current funds, as my account is frozen. I am a student who is unable to afford the basic necessities to live, nor can I pay any of my required bills. I now have to take a leave of absence from school because Truist allowed my government-funded loans to be stolen, and am facing homelessness. The negligence of this bank expands to the fact that they allowed this criminal to be able to transfer funds that exceed the daily amount of {$2000.00} that can be transferred through XXXX. Another example of their negligence is I went into a Truist branch to speak to a bank teller who reassured me that my funds would be returned to my account and that none of the current pending fraudulent transactions would post. That was a lie, and even after they blocked my account, they allowed further fraudulent transactions. The lack of care and empathy that is given to those who entrust their money to this bank is unacceptable. Throughout this entire claims process, they were extremely unprofessional and quickly denied my claim without thorough investigation. I sincerely hope that this complaint will help me achieve justice because not only was my financial aid refund stolen, but also my ability to attend school.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

My account went in to collections and was sent by XXXX XXXX to a law firm. I contacted them on XX/XX/year> XXXX XXXX XXXX XXXX ) and established a settlement agreement with them where I would pay XXXX payments of {$1200.00}. I set up my first payment the day of the agreement on XX/XX/year> and it was taken out of my checking account as agreed. I asked to set these payments up automatically and was told they had to send that request in writing and then I would complete the form and send it back. I then waited over a week for the settlement agreement to arrive as well as the payment agreement form. I never received either of these items so then called back on XXXX the XXXX. I asked for these documents to be emailed to me since I still have not received them. The representative said they could only fax them so I provided a fax number. The representative told me it would take XXXX hours to get to me. I waited over XXXX days and the fax has still not come to me. This creditor/law firm is making it difficult for me to pay. They are also proceeding with a lawsuit despite my settlement agreement which I'm not sure if that is legal or not, I will take that up with my attorney and the court on the court date that is given to me.
Product: Debt collection

I dispute a fraudulent Parking ticket due 2 factors with the Parking agency to the fact where my vehicle was parking the address showing in the Ticket I received in the mail it doesn't exist also the ticket issue showed a License Plate I reported stolen to the Police department even I disputed the validation of the ticket with the City of XXXXXXXX XXXX, They never corrected the mistake done, even between their own employees conceals evidence Now I got a letter from one of their debt collectors threating me to intercept my tax refund, my registration place or my vehicle be towed. I would like the Agency to stop this debt collector threats and remove any collection activity because this alleged debt its been disputed due to be a Fraudulent Action. I'm enclosing a signed letter to them along well their letter I received yesterday and the copy of the Fraudulent Ticket Dispute Letter done back in XX/XX/2017.