23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I discovered my debit card was missing and asked around for it but no one had it seen it and I thought I had given it to my sister and she misplaced it again so I just decided to wait untill it pops up and it it didn't in a week report it. The next day on XX/XX/2020 i meet up and stayed with the person who stole my card without me knowing. In the morning of XX/XX/2020 and he asked to borrow my phone to make a delivery to earn money from a family member real fast and that he would be back in 40 mins tops. I decided to let him use my phone and he left me in his house for hours before returning. Once he returns we get into an argument about him disappearing with my cellphone and he takes me home and it's almost XXXX. I had made plans with a friend so I proceeded to go to their house where I spent the rest of my day. I returned to my friends house first thing the next day on XX/XX/2020 where I spent the day again before going home. On XX/XX/2020 i go to my friend 's house first thing in the morning. On my way to his house I decided to buy us food and discovered my account was frozen and a check had been deposited from a bank atm into my account for {$4000.00} half was pending thru cash app and the other half had been sent out thru XXXX. I called the bank the next day and was told couldn't do anything untill it was finished pending and was sent to the fraud units answer machine. They told me they would get back to me. On Thanks giving I called again and no one was in because of the holidays. On XX/XX/2020 i confronted the man who stole from me and a gotten threaten and blocked. I waited all day and no one got back to me. I called back XX/XX/2020 and spoke to the fraud unit and they told me because everything came from my account I was responsible and didn't really listen to me. They decided to close out my account with all my money. I have all my information on my phone saved from when I had to fill out paper work and I have the same pin for most things. She didn't listen. Currently I'm making a police report.
Product: Debt collection

In XXXXXXXX XXXX XXXX I.C. Systems sent an account made by someone else to my collections for a total of {$630.00} from XXXX XXXX XXXX. I called and had it straightened out let them know this was not me, made a police report and they removed it from my credit report. Then again in XXXX the same thing happened again, same amount, same account from XXXX XXXX XXXX. I called I.C systems again and they will not talk to me since the account doesn't belong to me therefore stopping my progression in getting the matter fixed.
Product: Credit reporting or other personal consumer reports

the company has been using the spelling of my name wrong and address that I never lived in there is also countless errors on my report that is inaccurate
Product: Student loan

I took out XXXX different student loans with XXXX XXXX XXXXXXXX XXXX  while I was in graduate school from XXXX at the XXXX XXXX XXXX XXXX XXXX . These private student loans were taken out as direct consumer student loans, not certified by the school, and they were in excess of the federal student loans awarded to me by the school, as well as exceeded the cost of attendance. After completing the XXXX XXXX program, I was gainfully employed and made good faith payments toward the XXXX different private student loans ( serviced by XXXX ) from approximately XXXX through approximately XXXX. During that time period, I was laid off from my job in XXXX but still continued to make the payments for each loan. I contacted the servicer and tried to make arrangements to defer payments or lower the payments while I remained unemployed. The servicer denied my requests despite explaining my current financial situation. I was told private student loans do not have deferment plans or income-based repayment plans like federal student loans. By XXXX I had to sell my home just to continue making the loan payments and avoid default. My unemployment status had not changed and by XXXX, I could no longer keep up with the payments. I filed for XXXX XXXX bankruptcy in XX/XX/XXXX and the discharge was XX/XX/XXXX. I believe the private student loans should have been dischargeable under the XXXX XXXX bankruptcy order since they were XXXX XXXX XXXX loans. I am now being sued in XXXX General District Court in the state of Virginia by XXXX XXXX XXXX XXXX XXXX for each of the XXXX private student loans in attempt to collect the debt. 

I received a XXXX in Debt for XXXX of the loans. I have not received the XXXX in Debt for XXXX of the loans, although they are listed on the court docket. I believe they did not in good faith serve me with the other XXXX in Debt in an attempt to secure a default judgement for not appearing in court. The attorney of record handling each of the cases is Scott & Associates , P.C . as shown on each of the XXXX in Debt. In an attempt to avoid going to court, I contacted their office to offer a settlement that was realistically affordable for me given my limited means. They contacted me a few days later with counter-offer that was still well beyond my ability to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax on XX/XX/XXXX at XXXX XXXX  about several inquiries that was on my credit report that I did not authorized I have contact the companies and try to get them to remove them but they said equifax wouldnt allow them to dispute it, I would have to call equifax myself and dispute it. I called equifax to try to dispute and they told me thats not a processed allowed in their systems. That they would have to call off on their own in 2 to 3 years. 

XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX, New XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX ( XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX, Used XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX By mail only XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX Business Type : All Banks XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Product: Credit card

Re : Claim # - {$190.00} USD/ XXXX MXD The referenced claim was declined on XXXX occasions for reason of We requested, but didnt receive from you, a copy of the sales receipt or other documentation indicating the merchant charged the incorrect amount. 
I first uploaded the requested information to BofA at the end of XX/XX/XXXX. I received a decline letter, called the claims center and was informed they never received the additional information that I uploaded. I was instructed to resend the documentation and since I had little confidence in their internal processes for handling additional incoming claim information, I went to a Fed XXXX location, paid for the faxing service so that I could supply proof of transmission that I had in fact provided the information requested. This fax was transmitted to # XXXX on XX/XX/XXXX. I have the confirmation report if needed. 
As illustrated on page XXXX, the last entry shows Refund Dispersion, however my B of A credit card was never credited for the {$190.00} refund due. 
I feel that no work was done to investigate my claim and that the claims department simply waited until the claim " aged out '' and denied it a XXXX time. 
Thanking you in advance for your assistance in resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as ChexSystems and XXXX XXXX XXXX  have a XXXX XXXX XXXX checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX Balance {$800.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXXXXXX Balance {$980.00} ; XXXX, XXXX ( Original creditor : XXXX ) XXXX Balance {$3100.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance {$860.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$560.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$700.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$5200.00} ; XXXX / XXXX XXXX Balance : {$0.00} ; XXXX / XXXX XXXX Balance : {$0.00} ; XXXX / XXXX XXXX Balance : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX Inquired on XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  ; XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  ; XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

My loans were consolidated in XX/XX/XXXX under " Income Contingent Repayment '' with XXXX XXXX XXXX which has since dissolved. I paid my ~ {$540.00} dollar payments on time, religiously, during the time in which they serviced my loans, but Fed Loans for some reason has all of those payments listed as under " Extended Graduated Repayment '' and isn't counting them towards PSLF forgiveness which puts me behind by at least 14 months. The extended repayment plan had payments of {$2000.00} per month and I very obviously was not on that payment plan. I've attached the confirmation of my consolidation and application for ICR as well as the payment grid for each plan. If you look at my monthly payment history, it's very obvious at $ XXXX a month, I was NOT on the Extended Graduated Repayment Plan. 

Additionally, they still have yet to count payment for XXXX due to " no bill '' despite the fact that FedLoan themselves have electronic billing statements for those months, which I have enclosed. They are also not counting XXXX payments due to no bill, but I was billed and paid those months. This was when XXXX XXXX XXXX sold my loans to XXXX XXXX, I was not in forbearance nor did I voluntarily switch companies. 

I have contacted Fed Loans multiple times, attached the documents with proof, including their own electronic bills, and have had no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act convergent account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

On XX/XX/2019, XXXX XXXX -- a collections agent with XXXX XXXX XXXX, reached out to one of my contractors via telephone, and then through deception had the driver call me while XXXX XXXX remained on the line as an undisclosed 3rd person. 

Upon answering the call, XXXX began disclosing my personal financial information. He never confirmed my identity, nor did he ask whom he was speaking with. Instead, he began disclosing the reason for his call and how much money he believed was owed. All this while on the phone with an unspecified number of person 's on the phone line. 

This has had a negative impact on my business and the relationship I have with my contractors. 

I would like to know what steps can be taken to resolve this case. I would like to see this person removed from this position, because he has no decorum. Secondly, I want to know how this company intends to right this situation.
Product: Checking or savings account

I wanted to buy tickets from an event on XXXX. I bought XXXX tickets for a total of {$300.00}, the transaction did not go through because they said there was an error with my payment and to retry it. So i typed in my card again and retried it and it was successful. Hours later i get a notice from my back for a second charge for {$300.00}, for an additonal XXXX tickets. I did not authorize them to charge my card again later for XXXX more tickets that i do not need. They refused to refund me saying all sales are final, which i understand but i did not authorize this second charge for XXXX more tickets. I started a chargeback with my bank Capital One and they denied my chargeback. Capital one has refused to communicate with me, i have been banking with them for XXXX  years and this is how they treated me. In the XXXX  years ive been banking with i have never issued a chargeback this is my first one and they denied me. Taking the side of XXXX who has a history of doing this to other people, just XXXX  it .So now im out {$300.00} for tickets i did not need, did not authorize to purchase.
Product: Credit reporting or other personal consumer reports

Ive never opened these accounts and they are fraudulent. Ive contacted the creditors and provided my identity report. They didnt delete the accounts off of my credit reports. This is effecting me from buying a house. 
XXXX XXXX And XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed other inquries such as chase inquiries for their credit cards and these auto loans finance which is XXXX  XXXX and XXXX XXXX which happen XXXX, that I never applied for ( JPMCB ) it happen on XX/XX/year> and XX/XX/year>. I contacted chase about this before and told me they couldn't do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$860.00} XXXX  XXXX {$260.00} XXXX  XXXX {$5500.00} XXXX {$210.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$450.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made an extra payment of {$200.00} on my Chase VISA card. Due to a circumstance I still do n't understand, the money was not there and so the deposit did n't go through. Now Chase is holding my deposits for UP TO TWO WEEKS after it receives my money before it makes the money available to me. This is ruining my credit because I have automatic payments coming from the card. I have had this card since 2001 and this is the first time to my knowledge that this has happened. Chase now says they will do this for UP TO SIX MONTHS. This is outrageous. What right have they to hold my money and make money off of it instead of making the money available to me once I pay my bill?
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a credit card with Macys ( card issued with Department Stores National Bank ) since 2003. I have used the card and paid it back throughout the 17 years. During this time, I noticed they have never reported the credit card on any of the 3 credit bureaus. I have contacted several times throughout these years. Each time they ask me to send a letter with my name, account number, full social, explaining the issue. I follow their steps and they dont resolve the issue. I did receive a letter 1 of those times saying it was resolved. Two weeks ago I checked and the card was not reporting. I contacted all 3 credit bureaus, and they confirmed it has never reported. I contacted macys again and once again they asked me to send them the letter with the same information. I did, and now they are giving me issues and do not resolve the problem. After 17 years, and several attempts from me to get this resolved, it still has not.
Product: Debt collection

This is a joint collection account, it does not belong to me, it belongs to my old roomate The collection company is called Innovative Recovery Inc and they opened the account on XX/XX/2020 They claim i owe {$170.00} But i called the original creditor and they said the balance was {$140.00}
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SC XXXX Acct # XXXX Reporting to XXXX   {$960.00} This Debt is not mine. Attached is Certified Mail Receipt of yet another letter asking for a contract with my signature from their firm.. Not some made up bill, not another just pay this letter ... ..If they can not show us a contract between me and XXXX XXXX  with my signature, then this must by law come off my credit. Ive written over 15 letters.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$190.00}
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 a charge of {$320.00} was made to XXXX XXXX XXXX XXXX using my Chime XXXX XXXX XXXX XXXX. This charge was unauthorized, and I immediately disabled the card and filed a dispute with Chime. 

Following their investigation, Chime determined that " no billing error had occurred ''. I am currently awaiting documentation from Chime with detailed information ( I'm told ) about the inquiry and determination. But since this dispute is regarding a straightforward unauthorized charge and based on partial information provided by Chime customer service indicating that my " purchase history '' may have factored in the determination ( I happen to sometimes shop at XXXX ), I intend to file what Chime calls a rebuttal. This complaint will be attached to documentation I plan to provide during that effort. 

I was not able to obtain any information from the merchant, XXXX, via their customer support call center, and I have not received a Chime statement containing information about the unauthorized purchase/charge, so there is limited information available on my end. 

I am not confident that Chime is acting in good faith in their inquiry and determination processes. And based on easy-to-find rules and guidelines, I believe that this constitutes a violation of both their obligations as a financial institution and a XXXX card provider, as well my rights under EFTA.
Product: Debt collection

I received an email stating that I could resolve my debt with senseless through true accord for the amount of {$XXXX} As they represented this as the amount owed to clear total debt balance with sezzle I paid it. Then they keep trying to collect for the same company, different amount of balance spamming the same communication style. Its falsely misrepresenting the actual debt owed by using these tactics to collect on a debt. Federal law makes it illegal for debt collectors to use unfair or abusive practices or deceptive statements to collect a debt and I believe this falls under the protection of these laws.