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

On XX/XX/2018 I bought a {$640.00} money order and I filled it out to my landlord he calls me a week later saying he never got his money order for the rent so I called them when you ordered a number on a money order and they told me it was cashed XX/XX/XXXX so I paid {$25.00} to get a photocopy of the money order and the other paperwork tell me where it was cashed and all that so I don't get a police report and I take it to the bank TD Bank at XXXX XXXX XXXX XXXX I go in there and talk to XXXX who - vice president and I tell him what happened and he looked at my photocopy wanting his office prank it up on the screen and he said he knew what was going on the same guy was stealing money orders and checks out of the mailbox and he did it like 20 times he cashed yet he cashed my money order and everybody else is in his own name in his own account at the bank and none of the checks or money orders had his name on it he deposits on there and they gave him the money even though they weren't for him and now TD Bank and then mr. XXXX who XXXX was supposed to give me the number to the detective and told me to get on the caseload the number he gave me was the wrong number there was no detective there and every time I try to call back if you don't answer my phone calls you don't call me back I leave message they don't call me back I don't know what else to do I'm in a loss I got the police report the receipts everything my landlord is threatening to throw us out if you know he don't care what happened I'm scared
Product: Debt collection

I used to have an account with XXXX XXXX XXXX and my account was closed in XX/XX/2020 and the amount was XXXX. 

They sell my debit to q company called midland and this company its playing with my credit after I filled a disputed in XXXX and XXXX XXXX After any disputed they include a extra dollar in my debts they are trying charge my XXXX $ and they put my closed account was XX/XX/2020! 

I ask than to put the right information but they laughed!
Product: Checking or savings account

problem is with Chase Bank - I applied for XXXX XXXX loan on XX/XX/2020 - received a loan application reference number at that time - had not heard back from them in over a week - called several times to try to determine status - bank employees admit that they don't have the staff or the system in place to process or even track the loan applications in a timely fashion - the funds are running out and due to the chase bank 's incompetence they will not get our applications into the XXXX before the funds run out can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and noticed a few accounts I did not belong to me.
Product: Credit card or prepaid card

Is it not a law that a credit card must show you how long it will take to pay off a credit card if you make only the minimum payment AND how long it would take you to pay it off in three years?  <P/> The info about paying it off in  three  years and the amount I would need to pay is now absent from my credit card. It was there last month.  <P/> This is  XXXX  Well 's Fargo Bank N.A .   <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ar.  XXXX   XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a checking account and a savings account with US Bank N.A.. I do not have -- and never have had -- any credit accounts with US Bank and do not now owe them money or have ever owed them money. 

Nonetheless, illegally and without the permissible purpose as required by federal law, US Bank continues to access my XXXX credit reports placing an " Account Review '' inquiry. The latest account review inquiry was placed by US Bank  on XX/XX/2019. They have also done this two times previously. Again, US Bank has absolutely no permissible purpose whatsoever and XXXX  also negligently gives US Bank completely unauthorized access to my credit reports. 

I have phoned US Bank on several occasions and spoken with representatives in several departments including the Recovery Department and also the Credit Bureau Department and nobody can find any information on these events. They suggest I speak with XXXX. 

Today I spoke with XXXX. They said there is nothing they can or will do. The problem, they claim, can only be solved by US Bank. 

Since account review inquiries are what are known as " soft '' inquiries and are not visible to others, I don't care about having it removed or not. I want to know ( 1 ) precisely who has accessed my credit reports, ( 2 ) why they accessed my credit reports and ( 3 ) why XXXX  was negligent in allowing this to happen. If no satisfactory results are given, I may use  the courts to seek statutory damages per the FCRA.
Product: Checking or savings account

About the beginning of XXXX, my daughter XXXX started college about two or three weeks after she started school she lost her debit card which she reported lost as soon as she noticed it missing, later on, charges started to appear or XXXX 's account adding up to {$14000.00}. The following Saturday when I was getting ready to pay my bills I noticed there was no money in my checking account, tried contacting Chase customer service to get an explanation why my bills money was no in my account, but all I got was a name and a phone number and when I called the number they provided got no answer and had to leave a message. The following Monday tried calling the number again and left another message. When I finally got a call back from the Chase person all he did was accuse me of stealing the {$140000.00} and told me if I did not pay this funds by XX/XX/2018, Chase was going to take everything I had even my retirement funds. I just told him I did not know what he was talking about, but he proceeded to treat me like a thief and assuming XXXX took this funds and we had to pay Chase back for it. I was very scared and still am because of all the threatening the Chase person said to me. I would like Chase to clear my record because I have never stolen anything from anybody I am a proud honest poor single mother who lives paycheck to paycheck and did not steal their money and neither did XXXX. This year I am working very hard to purchase my home, but the Chase person also said they are going to mess up my credit and I think this is not fair. It makes me wonder how Chase allowed someone to withdraw {$14000.00} from a high school account that never had more than {$300.00} balance in it. During all of this time, I kept receiving letters from Chase stating the account was close, but the charges kept showing. Also allow me to point out all of the transactions happened in XXXX, NY and we are in XXXX NY. I can provide documents upon request.
Product: Debt collection

The company simply calling themselves " Midland '' said they are calling on behalf of XXXX XXXX to collect a debt. 

I received a voicemail from XXXX from XXXX XXXX that stated : " This message is for a XXXX XXXX, this is XXXX XXXX I'm a compliance officer with the state of Texas. I'm contacting you in regards to your pending claim that is being filed right now, I have to make you are that your file number XXXX is completed and it will become a matter of public record, there will be an order of vocation issued for you. I wasn't able to reach you by phone and I will have to contact your employeras it looks like this could be a possible place of location and due to the negligence on your own regarding this case Mr. XXXX. You to have the legal right to contact the office that is processing your claim and once your claim is officially filed all other options will be forfeited, the number to contact them is XXXX, you are being notified by telephone as a last resort. '' I contacted the number she left and it was a company called Midland. The person leaving the voicemail kept their description extremely vague as to avoid being tracked down I assume, I've left both phone numbers involved as well as attached the voicemail.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : 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
Product: Credit reporting or other personal consumer reports

I believe that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Can you review the documents? Several listed accounts have inaccuracies in their reporting, including wrong amounts and dates.
Product: Checking or savings account

Called a phone number not linked to my account. My mother called saying chase has been calling her. I never gave chase her number or authorized chase to call that number
Product: Credit card or prepaid card

Macys Credit Card I had filed a dispute over a year ago with Macys Credit Card for a fraudulent transaction as my mail was stolen and it contained my macys credit card. I reported the stolen transaction as it happened since I received a text alert and Macys blocked my credit card. Despite the several attempts and them crediting my account and me also paying for the balance since they took longer than they should have to clear the balance Macys has erroneously billed me after over 1 year with a minimum payment balance of XXXX which I paid to avoid to be potentially affected on my credit report. I do not owe this money and this should be covered through a loss on Macys end as I never made that purchase otherwise I would have more than gladly paid it. Macys didn't bill me for over a year and all of a sudden, for no known reason they brought back the balance onto my card and are expecting me to pya {$400.00} which I do not owe at all since it was a reported fraud transaction that they even approved as a valid claim. They didn't bill me for a whole year and something somewhere on their systems it's not showing that I owe this money? This is a malpractice thank XXXX that I reviewed this statement and noticed that they put back a previous balance that it had been cleared on a credit card that was closed due to fraud. These are the actions to which I will agree this case as been resolved : - Reimburse the customer the paid amount of {$71.00} ( since I wanted to avoid being late on my credit bureau ) - Debit their Macys Operational XXXX XXXX XXXX and credit the outstanding unapproved by the customer fraud balance on their credit card in the amount of {$330.00} and XXXX any outstanding revolving interest as this balance should and it was paid off by the bank that originates Macys credit cards as this was due to a fraudulent transaction. 
- Provide the customer with confirmation that the account ending in XXXX has been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im happy to be a american today. Im not knowable about credit. I went to check my credit and noticed multiple inquiries that I dont recognize. I contacted the companies they said the i must contact each person and I did from the inquiry information on my report. They said there is nothing I can do. I told them could this effect my citizenship a few said yes. So I said how can I remove this and proof it wasnt me. They said I might have to get deported. I dont understand why I didnt do this. I googled and found your company. Can you please help remove this information from my report. I didnt apply for any of this credit inquiries. I have multiple. Please help me. Verify a signature and photo of person who did this please.

XXXX   Equifax XXXX  XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX XXXX XXXX Credit Unions XX/XX/XXXX Yes XXXX Finance,  personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXXYes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Finance, personal XX/XX/XXXXYes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX   Automotive XX/XX/XXXX Yes Yes XXXX XXXX XXXX.

All Banks - non specific XX/XX/XXXX Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX XXXX XXXX All Banks XX/XX/XXXXYes XXXX XXXX Banks and S & Ls XX/XX/XXXXYes Yes XXXX XXXX Automotive   XX/XX/XXXX Yes Yes XXXX XXXX Credit Card Processors XX/XX/XXXX Yes XXXX Banks and S & Ls  XX/XX/XXXX Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Automotive XX/XX/XXXX Yes
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, sorry to bother you today but hope you're having an excellent day. Anyways XXXX  and TransUnion has failed me and the law. I've mailed them both disputes in XXXX and XX/XX/2020 on some disputes that they have failed to respond to. I just want the inaccurate accounts removed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 an derogatory account was reported for the amount of {$21.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.
Product: Debt collection

received email from company asking for more information according to the credit report it was sold to another lender.the account was opened with a joint account for XXXX XXXX XXXX XXXX, my social is XXXX, the remarks on the credit report says chargedoff sold to another lender, the account has a XXXX balance but a high balance of XXXX dollars the amounts are in correct.the car has been sold and should be removed from both of our accounts, they do, t have a record, requesting for more in formation, I called the company and barefied their response we don, t have any information .im asking for this to be moved from our account.the car was purchased at XXXX XXXX in XX/XX/2014, it was closed XX/XX/2014, XXXX XXXX my social is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX XXXX Account # : XXXX - XXXX XXXX XXXX || Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX. I told them the account is over 7 years old. Its  been over 7 years since I turned the lease back in. I havent made a payment in over 7 years and it shouldnt be on there. The account says I pay every month. The lady told me it was gon na be reported to the credit bureaus and stay open as long as there is a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

>Multiple hard inquiries were pulled by XXXX XXXX XXXX XXXX ( XXXX  ) for same credit application using XXXX ( XX/XX/21 ; XX/XX/21 ) >Applied for HELOC with XXXX  ( XX/XX/21 ) >Before applying was told full process takes approximately <60 days ( expected close around XX/XX/21 ) >Approaching 60 days, critical items remained undone, including the appraisal >Underwriters said credit score is good for 120 days, possible will need to pull again >To avoid being penalized for another hard inquiry, I authorized pull within 45 days of first >Credit was pulled 46 days after the first, falling outside of the shopping window >Received an email from XXXX XXXX  XXXX acknowledging their inability to provide the level of service and speed to close. Hiring people and working weekends ( XX/XX/21 ) >Closed the loan XXXX  days after application ( XX/XX/21 ) >I filed a dispute with Equifax but their automated process for inquiry disputes did not enable me to provide context, argument, or support >I called XXXX and bounced around 6 different agents resulting in my information being passed along to management for further contact
Product: Credit reporting or other personal consumer reports

I recently found out that XXXX XXXX XXXX XXXX placed a charge off on my credit report in XXXX XXXX XXXX. However, I have never opened an account with XXXX XXXX XXXX XXXX and have tried disputing this fraud account through the credit bureaus, all of which were denied saying that " The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have filed an identity theft report about this matter and am pursuing this to erase this account off my credit report that was never mine to begin with. I have tried contacting XXXX XXXX XXXX XXXX with no help. The customer service reps are unable to provide me with any information whatsoever about this account. This needs to be addressed and looked into to see who opened an account under my identity or if this was a mistake made by XXXX XXXX XXXX XXXX. Either way, this charge off needs to be erased off my credit report as the account was not mine and it is majorly hurting my FICO score as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC. No financial institution is suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Product: Credit card or prepaid card

In 2015 I realized I was a victim of identity theft. For several years my " trusted '' accountant was using my credit cards and opening accounts in my name for her own financial gain. It has been difficult for me to clean up the mess since it occurred over a long period of time. The remaining accounts in question are with American Express. I am not claiming that all of these accounts were fraudulent. The fact of the matter is that there were so many accounts involved, and it happened so long ago, that I can not say with certainty which accounts are 100 % mine. I wrote American Express a letter requesting my signed contracts and monthly statements so I could investigate which accounts and transactions were mine. They currently show a status of " charged off ''. I'm self employed and rely on my credit to fund my business. This obviously hurts me. I want to pay what I owe and fix the rest so I can move on with my life. AMEX did not respond. I wrote them 3 more times and included the police report. They never responded. Just today they called me and offered to settle my balances for 65 %. They further claimed they had no record of my police report. I'm offended that they couldn't care less about my situation and only want to collect money.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I noticed on credit report they sent inquiry that I did not do it was unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX  Last reported XX/XX/XXXX {$630.00} Open balance XXXX XXXX XXXX XXXX USA XXXX A XXXX XXXX XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX USA XXXX A
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681, XXXX XXXX XX/XX/XXXX XXXX $ XXXX lending XX/XX/XXXX XXXX $ Has violated my rights. I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ). And according to 15 usc 1681 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in generallf after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer And according to 15 usc 1681s-2 they are suppose to 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: Debt collection

Debt is from XXXX 2009, they have been calling and threatening to serve papers at my place of employment, even arrest me or take me to jail if I do not pay for this. I contacted a lawyer who told them to stop contacting me. That the debt is older than the 5 years that they can collect this debt, but they have called me two times since the date of the letter.
Product: Student loan

To whom it may concern, I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the processing of student loan applications under the SAVE IDR plan by Nelnet, affecting numerous individuals, including myself.

I applied for the SAVE IDR plan in XXXX, and to date, my application has not been processed. Despite multiple attempts to contact Nelnet through calls and emails, I have not received any relevant response. They told me I all my documentation was correct but refused to answer anything else. To exacerbate the situation, I have been placed on administrative forbearance in XXXX, incurring large amounts of interest that would have been avoided had Nelnet processed my application in a timely manner. 
For reference, XXXX processed my partners application in under a week. 

This issue is not isolated to my case ; a distressing number of individuals, as evidenced by the experiences shared on the student loan subreddit, are facing identical challenges. To compound the issue, I also learned that Nelnet has been canceling individuals ' autopay without notice, subsequently removing them from the SAVE plan. More stress to look forward to even if they manage to process my application. The collective frustration is palpable and Nelnet 's actions are at best, morally bankrupt ; unduly burdening individuals who are earnestly attempting to fulfill their student loan obligations.