23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

List of events took place after I saw my current my balance of XXXX led to my call to Verve on XX/XX/year> around XXXX XXXX  Rep name : XXXX XXXX after speaking with the rep should could not explain why I did not receive notice of decline payment. She explained my payment on XX/XX/XXXX was decline by the external bank. 

Details listed on Statement : XX/XX/XXXX XX/XX/XXXX- XXXX XX/XX/XXXX payment amount made - 120 ( listed on payment as a adjustable payment ) XX/XX/XXXX Balance on website - XXXX Cal back after Rep hung up the phone when I asked her to explaned adjustable charge/decline payment. 
After the rep told me this she hung up the phone. 

2nd call Second Rep : XXXX XXXX How do I have a XXXX balance on the card today ( XX/XX/year> ), I just paid $ XXXX 2 days ago. 

Me : what does adjustable payment means? Why is it listed on statement for XX/XX/XXXX and XXXX. 

Rep : that was a declined charge Me : I called on the XXXX and no one told me there was a decline payment on the XXXX. 

Me : Do you see any disputes listed for me this month? What are the dates for my disputes. 

- Rep claims {$120.00} payment I made by phone ( XX/XX/year> ) was declined by bank The amount of {$120.00} was reposted on XX/XX/year>. 
Previous balance XX/XX/XXXX. = XXXX ( ) you were charged an extra {$55.00} ( Return check fee ) for decline on XXXX. 

What date was the dispute filed for XXXX rental that I did not receive services for? Reference number? 

Rep : we don't have a reference number Me : Transfer me over to Customer Resolutions Department Transfered to Rep : XXXX XXXX I explain to he rep that should not have been charge a return check fee with no notice the payment did not go thru. 

How did they notify me of a decline charged? 

Who notifying the customer of missed payment? 

Rep : XXXX XXXX - transaction # XXXX Payment paid on website by XXXX XXXX. Payment declined on XXXX XXXX at XXXX XXXX payment of XXXX ( Bank acc # XXXX ) You made the payent online XXXX XXXX states he will return {$55.00} check fee to repost balance as $ XXXX  monthly maintenance - can not be waved {$40.00} for return check fee as Promised by Current balance {$65.00} Me : Reference number for return payment please? 

Rep : Reference # XXXX Confirmation # XXXX Me : Can I receive email of this confirmation right now before I hang up? 

Rep : It will be sent in 24hrs. There a hold of seven days if paid by checking account Me : The problem with that is i am paying by debit not account. 

Rep : XXXX XXXX ( Dispute Department ). Please tell him to give me a call.
Product: Credit reporting or other personal consumer reports

The following accounts are violating my rights according to the Fair Credit Reporting Act by illegally re-aging my account, which is unlawful. 

XXXX XXXX XXXX ( CLOSED XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Charged off account XXXX XXXX XXXX XXXX XXXX XXXX Date Closed XXXX XXXX charged off {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00}
Product: Credit reporting or other personal consumer reports

I insist, without any delay or excuse, that you promptly correct these accounts from my credit report. Your quick and decisive measures to address this issue will be greatly appreciated. I anticipate nothing less than a comprehensive and immediate resolution, leaving no room for further procrastination or oversight. Your immediate and full attention to this pressing matter is not just a request but a requirement. Failure to comply will compel me to take further legal action to safeguard my rights and hold you responsible for the irreparable damage inflicted on my credit standing. I appreciate your immediate and unwavering focus on this matter. Please help me correct these accounts immediately : XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$5700.00}.
Product: Debt collection

Dear Authorized person, I recently pulled my credit report from all 3 major credit bureaus and noticed a collection being reported in my name from SECURITY CREDIT SERVICES in the amount of {$750.00} Opened XX/XX/year> ( XXXX yrs, XXXX mos ) This account was fraudulently opened in my name due to identity theft and this item reporting has caused me a lot of mental anguish and is preventing financially in my life as well as my family. I ask that you kindly review the attached identity theft affidavit that I had notarized and remove the account from my credit report. 

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My checking and savings accounts were compromised with multiple transactions being debited to the Wise company. I was able to contact my bank and stop some of the transactions, but some were still processed and the bank was unable to address it. I contacted the Wise company multiple times. I was unable to access Wise online and when I called them they told me the account had been closed. I was instructed to submit an appeal online, which had to be done through an email link since I didn't have an account to submit it through their appeals process through their website. I received confirmation via email that it had been received and was told it would take up to 20 business days for the case to be addressed. I received this confirmation on XX/XX/2023. I called again after the given time frame and was given the appeal number and was told they would escalate the case. As of XX/XX/2023 I had still not received any correspondence. I called again today ( XX/XX/XXXX ) and was told I had not submitted the appeal properly since I did not use the link -- mind you, I CAN NOT ACCESS THE LINK ) -- and was told I needed to resubmit and it would take up to 30+ business days for this to be addressed. The money being held up in that account is having a severe impact on me, my family, my financials, and my livelihood. The customer service has been poor and reaction times have been atrocious. The amount that I believe is in the account is {$650.00}, although it is difficult to confirm since I am unable to access the account.
Product: Debt collection

I seen this company on my credit report CredMgmtCntl and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$82.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXI XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023.
Product: Money transfer, virtual currency, or money service

I have discovered unauthorized, fraudulent wire transfers and unauthorized fraudulent withdrawals from two of my bank accounts, that I am reporting under the ( Electronic Funds Transfer Act. ) Regulation ( E. ) And ( J. ) For an adjustment back to my current account. 

One account has since been closed, the other account is still current.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, caused defamation of my character and emotional and physical stress : XXXX XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unknown - XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Auto pay was taking money and lying saying I would benefit from their services when in fact I did not and would not have ever made a gain by using autopay false advertisement
Product: Payday loan, title loan, or personal loan

This is a complaint regarding XXXX XXXX XXXX. On XX/XX/2022 a salesman named XXXX came to my door trying to sell me a security system. We talked for several minutes. He said that I would have to finance the equipment and that its a 5 year contract. I then asked him if anything would be added to my credit report. He said that it would be a soft inquiry to see if I qualified, but that nothing else would be reported. I specifically said I didnt want anything reported to my credit or else I did not want the system. I told him that I was not feeling well because XXXX XXXX XXXX at the time and that I did not feel comfortable making a big decision right then. He said I had 4 days to cancel if I didnt like the system. I agreed and then the technicians came to install the system and I turned them away because I really did not want to sign up under those conditions. XXXX  came back to my house after XXXX being so aggressive and offering to send me {$160.00} on XXXX XXXX. I went ahead and signed up for the system. He made me do video recordings agreeing to certain statements. The system was installed and they left. 

XXXX only gives their customers 3 days to cancel. Well credit reporting takes about 30 days so about 30 days later, I get a notification that a new account was added to my credit report for almost {$3000.00} for this security equipment. I called XXXX and asked them to cancel my account because I was lied to and pressured to sign up for this security system. Since I was told that the balance would not be reported to my credit, I assumed this would be like financing a cell phone or cable/internet equipment. Those things are also tied to a service but are not reported on your credit. I spoke with a supervisor named XXXX and explained everything. He said that I would have to pay off the equipment and then I could cancel. So he basically asked me to hand them almost {$3000.00} for some equipment I had for less than a month and then it would be useless at that point. 3 days or {$3000.00}???? This policy is essentially entrapment, and it is highly predatory against consumers. It should be against the law. 

The contract that I have is between myself and XXXX. Per section 20, this is the entire and only agreement between us. I was never given a contract or agreement with Citizens One XXXX. If ones exists then please send it to me. Per the purchase and service agreement, I authorized XXXX to pull my credit not Citizens one XXXX. It does not explicitly state that that I allow Citizens to report any balance owed on the equipment. The agreement is allowing XXXX to report to my credit about the payment history for services. Also, per the purchase and service agreement, this contract takes precedence over any prior verbal agreements so the videos you have of me agreeing to the system are not relevant or valid per said contract. 

Please cancel my service and return the funds you received from Citizens on my behalf so that I no longer owe Citizens or XXXX any money. I think the standard 30 day cancellation policy should be required. Complaints have been filed with the CFPB and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of edXXXX XXXX ACCT # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting act 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

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  XXXX XXXX Balance {$0.00}
Product: Checking or savings account

I attempted to withdraw money from my 5/3 Bank account at a XXXX ATM on XXXX XX/XX/XXXX. The ATM whirred, etc. like normal but the door did not open, I did not get my money and it did not provide a transaction receipt. ( This was not the only time this has happened to me. ) I called my local 5/3 branch and was told to contact the dispute resolution dept. I did this, repeatedly, and it has been denied each time. 

During my XX/XX/XXXX call, " XXXX, '' a dispute center supervisor, told me I can NOT have any of the information used in this decision, including the ATM 's video of my transaction ( obviously showing my angry face after I did not receive my money ). I told her the letter they sent states I can request copies of the documents used in this decision. She told me it is a " form letter '' and may not be correct. 

The correspondence and notes related to this are in the attached pdf file. 

Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$830.00} US DEP ED XXXX {$26000.00} US DEPT ED XXXX {$36000.00} DPT ED/XXXX  XXXX {$60000.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$68.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Capital One Bank USA NA opened XXXX XXXX,2015 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my COMPLAINT to tell you AGAIN that I am a victim of identity theft and to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPT OF EDXXXX XXXX XXXX : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00}
Product: Vehicle loan or lease

I got a letter in XXXX  stating that Santander Consumer USA reported to the IRS that I owed them a balance of {$15000.00} for a vehicle that i have the title for since XXXX. When I received the letter, my first thought was someone was trying to hack me, so I didn't respond. Here come tax year XXXX and my taxes are being taken for something that I already owned and have a title too. Santander have been trying to rip folks off for years, I have ready so many stories about cases they have going on for this same thing. They need to be dealt with, so that it wont happen to us citizens that's trying to make a living with the little that we have.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX XXXX XXXXXXXX - {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - {$830.00} XXXX XXXX - XXXX - {$910.00} Chapter XXXX Bankruptcy - XXXX These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Debt collection

ATG Credit ( XXXX ) is trying to collect a debt they claim I owe from a company XXXX XXXX XXXX for {$79.00}. They say its for an apartment that I moved out of in XXXX 2012 called " XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL. I closed my accounts then with XXXX and XXXX. I never had an account with XXXX XXXX XXXX and I ca n't even contact them. XXXX shows my account is closed with {$0.00} balance. The XXXX management has assured me that they never send anyone to collections. XXXX XXXX XXXX is submitting this claim FRAUDULENTLY and no one is willing to help me. 

ATG Credit is incredibly rude and will not give me any information other than to say you owe {$79.00}. I am supposed to just them the money blindly without knowing if they will then keep coming back for more? 

I do n't want this to affect my credit, and need help from someone. 
Please help me! 
- XXXX XXXX
Product: Credit card or prepaid card

There are 2 pending charges that are on my account and the merchant that the pending charges are associated ( XXXX ) has not record of these pending transactions. There is no reason for the bank to hold over 1/3 of my monthly income for no reason. 

When calling direct Express I was told that if a new card was issued ( for a {$13.00} charge ) then the balance would be transferred to the new card and the pending charges would dissappear. Once the new card arrived rather than finally being able to pay my rent just 2 days before XXXX, I found a $ XXXX balance and still XXXX phantom charges. I do not feel like I should be responsible for a fee because of wrong information.
Product: Debt collection

I noticed several inaccuracies on my credit report and its preventing me from obtaining credit. This is not my account and tried to have this removed several times through the XXXX XXXX. Heres the account I am asking you to verify as accurate : Jefferson Capital Syst account XXXX
Product: Student loan

In XXXX of XXXX, FED LOAN took possession of my student loans. FED LOAN is inaccurately reporting 15 late payments starting on XX/XX/XXXX through XX/XX/XXXX on all 3 of the major credit bureaus. On XX/XX/XXXX, my student loans were in consolidation, and the next due date was due on XX/XX/XXXX. I have submitted an attachment listing the information. 

On XX/XX/XXXX, I talked to XXXX id # XXXX who stated that my loans were in forbearance for 30 days, which I believe this is inaccurate because the loans were consolidated. I have submitted an attachment listing the aforementioned information. I am unable to resolve this issue with FED LOAN because every time, I call the staff was impolite and were unable to assist me.