23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Balance {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 
XXXX XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance {$16000.00} -This Charge off account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.
Product: Mortgage

We lost our XXXX XXXX XXXX and Wells Fargo will not give us our loan modification. They would lose our paperwork. Eventually us XXXX XXXX XXXX. Bought home in 2007 and fought for many years to get a loan modification.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received a phone call from XXXX XXXX XXXX XXXX at XXXX EST. The caller ID showed XXXX, CA as the location. I was greeted by a woman with a slight accent claiming to be an officer for the Social Security Admin office. She asked if my name was XXXX XXXX  and if the last 4 of my SSN was XXXX, I responded yes. She said her name was Officer XXXX XXXX, badge number XXXX, and was calling in regards to case ID : XXXX. 

She proceeded to tell me there was an arrest warrant out for me, that they had discovered an abandoned car in the XXXX XXXX of Texas containing XXXX of XXXX and XXXX. With information from the vehicle, they tied it to my social security number and stated there were 20 bank accounts with multiple illegal wire transfers using my SSN. 

She said she was going to help me suspend my SSN and cancel the warrant, then have an officer come to my location or set an appointment at my nearest office to help clear the fraud. I asked if she could confirm my full SSN, and she did.

Because my " 20 '' bank accounts were to be frozen, she asked me to tell her which ones I needed. I told her I was uncomfortable giving that information over the phone. She then asked me to at least confirm the amount I had in an account ending with a specific 4 digits she gave me. Those 4 digits matched an online savings account I had. I asked if she could give me the full account number of the account ; she proceeded to do so. 

I told her I was uncomfortable providing the amount over the phone. She asked what else she could do to help me feel more secure, so I asked if I could look up the arrest warrant online. She said yes, but that I would have to stay on the phone with her. I agreed, then she asked me to confirm the amount in my account. I said I wanted her to show me the arrest warrant first, to which she told me to hold. She hung up the phone seconds after. 

I immediately called the bank ( AXOS ) and had that account frozen, telling them it had been compromised. Early that morning, I had initiated a transfer from that account to a new bank XXXX XXXX XXXX XXXX XXXX XXXX ) account I opened the day before. I asked if AXOS could cancel the transfer, they said they could not as it was already pending. 

I called the new bank ( XXXX  ) where the money was being transferred to so they could reject it ; their office was closed. I sent an email to the Office Manager who had emailed me the day before to confirm details. 

I called the Social Security Administration to report the fraud, but they were also closed. I submitted a form on their website with the Office of The Inspector General. 

I pulled 3 credit reports from XXXX ; all seems fine. 

I called my local police station and filed a report ; case # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : 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. see Attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTED582NN XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Have not received any documents that show I signed acknowledging this collection. I need it removed from my credit reports till documentation can be produced showing I signed anything stating this is my debt.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 
Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX data breach showing my information being exposed in a national data breach, and a Validation of debt letter.
Product: Credit reporting

Sent in a request to correct credit file after sending validation letter to collection agency certified as required by law and receiving no response back. Credit bureau told me they verified info as my account. I requested their method of verification and received no r=further response. Response also took longer than 30 days. They are still reporting account as valid even though account was not validated as mine.
Product: Money transfer, virtual currency, or money service

To whom it may concern : On XX/XX/2024 I sent a transaction of XXXX XXXX dollars through a money transfer service company ( Sigue Corporation ) from the Agent store XXXX XXXX XXXX XXXX in the city of XXXX XXXX. The transaction order number is ( XXXX ), the confirmation number is ( XXXX ). Unfortunately, the money transfer was not successful, the funds were not available on the date listed ( XX/XX/2024 ) on the receipt ; the recipient was unable to retrieve the funds. I tried calling the agency and heard the company is no longer processing any money transfers, money orders, or bill payments through agents, branches or Sigue Pay Mobile. Since I have an unpaid transaction I am reaching out.
Product: Checking or savings account

I called on XXXX XXXX and I explained to chime member services that something was wrong with my car I asked the lady what how to fix it she told me oh well I'm going to go ahead and I'm going to cancel it I have videos of me begging her saying ma'am I do not want my card canceled she canceled it anyway they sent me a card today and my money was direct deposited I asked them more than one time about my money they told me that oh it will be closed the account will be closed on the XXXX because after they cancel my cards I told him I said well I don't like the way I've been treated or how I've been talked to XXXX the supervisor yelled at me XXXX the supervisor hung up on me and I keep calling and I'm not getting any clear answers so today my money came and I had direct deposit when the direct deposit hit canceled it at XXXX XXXX today they closed my accounts they told me that it was sent back to the account holder and they don't know where it was or or who deposited that I have an email showing proof of the name so I asked him exactly how much was in the account and why was it sent back I asked him that this is not okay because you guys told me the XXXX and with everything that is going on and how many recordings and videos of that I've had of nasty customer service represents and things being done in my account without my permission and how my cards have been canceled without my permission and I told XXXX not to cancel it four times so today I have no money my card is missing will cancel and they can't tell me where my direct deposit went to or how much it was I've called all day long I have been on the phone and I have not got anything back this is not my first time with time having this type of issue there are really bad financial institution they let people take your money and when you call and tell them hey it's something wrong they do not respond back most of their customer service Representatives will not speak to you with manners they're laughing and they hang up the phone on you they ask you to send proof and photo ID what you do and they send back emails and you can not really speak to a human without being disrespected is very sad I do have almost three videos and willing to send them in
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding a collection account that is inaccurately reported on my credit report. The account in question is listed as XXXX XXXX XXXX. Upon reviewing my credit report from Experian and XXXX, I noticed that there are XXXX different dates of last activity being reported. Experian lists the date as XX/XX/XXXX, and XXXX lists the date as XX/XX/XXXX. It also lists the account status as open on the report for XXXX and closed for Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing a dispute on several occasion and numerous of times of the same complaints. XXXX and XXXX has not been reporting disputes nor fully resolving them. I have reported fradulent activities including identity theft. I believe its a system breach and it is affecting my life. My credit score has been decreasing due to this illegal activities. I have contacted the companies that was reporting this information as well as the credit bureaus. Nothing has been done. XXXX XXXX has more updates then the actual credit bureaus.
Product: Debt collection

On XX/XX/XXXX was served with summons dated XX/XX/XXXX to General Sessions Court in XXXX county, TN for lawsuit for past due XXXX credit card balance. The court date was XX/XX/XXXX. I spoke with their office in XXXX XXXX, XXXX before the court date and explained I knew about the debt, my situation/ or the reason I had not made any payments since XXXX that I was unemployed, lived in a rural area with no access to public transportaion and a car that needed an engine replaced. I told them I did not have the money to pay them and would pay when I could. When I asked for a continuance to have time to prepare for court, they would not allow me to obtain a continuance, they told me I would only lose and they only wanted a judgement and that it would last ten years. Since I only had five days to prepare, I was unable to arrange transportation and consequently did not appear in court. They got a judgement for {$1100.00}. the credit card balance was {$600.00} max and late fees that totaled the {$1100.00}. The attorney representing them is XXXX, XXXX, XXXX XXXX XXXX XXXX, debt collection firm. On XX/XX/XXXX I received a notice from their firm stating they were forwarding a certified copy of the judgement for the case to the register of deeds to place a lien against my primary place of residence. The document does not state the balance of the debt for the lien. I have never had a lien and was concerned about the amount of money they required. Because the letter did not state the total amount to satisfy the debt/judgemnt I proceeded to check the court records to confirm the amount and also contact the law firm about the matter. I told them I wanted to set up payments and spoke with XXXX who proceeded to firmly ask me questions about whether I had a mortgage or not. I asked hiim to explain their policy for setting up payments but he kept trying to ask more questions about my house. I am a senior citizen receiving public assistance. I told him my cell phone is a goverment issued life line phone with 300 minutes a month, because he wanted to call me on my cell phone. He proceeded to try to explain the process to make payments but never really did, and was indignant because I would not answer his questions about my situation. I told him I had been unemployed for ten years and was receiving SSA when I set up the credit card account. I told him I no longer received those benefits and that was why the payments were late. He was rude and hung up the phone before answering my concern about how to set up payments. XXXX XXXX I don't know if anything illegal happened but do question why the law firm did not reflect the balance owed for the lien on the mail piece I received on XX/XX/XXXX. It was very intimidating and the phone conversation was intimidating as well.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX
Product: Checking or savings account

I sent a mobile check to chime for deposit. When you call the customer service number it states that if you deposit a check before 2 oclock, your check will be available for withdrawal by the next business day. So Ill begin the process of making the deposit and the instructions advised me to sign the back of the check and then write Check for chime mobile deposit only. When I get ready to finalize and deposit the check, it tells me that theres going to be a hold for seven days. I have already wrote on the back of this check so no one else is going to cash this check and I need the funds immediately for my electricity bills due so I could not back out and considering that it was a government check I did not understand the hold for that many days. Also the check can be called and verified. I have spoke to several employees at chime through chat and on the phone and nobody can assist me with this. I have called the IRS in the IRS said that they have released the funds on the check so therefore the bank needs to and they still will not. Today is day two of not having any electricity because I dont have the money to pay it. I actually have the money to pay it. They just wont release it to me and I have asked numerous times if they could call and verify the funds And no one will do it. They just keep telling me those are the rules there is no need to hold a guarantee check from the government this long and they are refusing to assist me. Meanwhile, its my money and they have been funded.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2019. Since then, Experian & XXXX XXXX has repeatedly been updating this as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the account.
Product: Bank account or service

I opened up a personal checking account with TCF Bank online on XX/XX/2017. They requested a supposed " credit check '', which I submitted to, but have never received the results of this supposed credit check. 
On XX/XX/2017 TCF Bank said via email that my account was opened, I received nothing. 
On XX/XX/2017 they told me via email that my debit card was in the mail. 
I received this debit card on XX/XX/2017, which had the wrong name on it! I have absolutely no idea how TCF Bank came up with this wrong name after supposedly doing a credit check. The name was not XXXX, but instead is XXXX! Who is that? I have no idea. 
On that same date, I called their 800 number. They told me to go into the local bank and that they could change it and issue me a new card. I told them that the local bank could not print out a new debit card, but their on the phone support said that they could. 
I went into the TCF Bank located at : XXXX, XXXX, MI XXXX on this same date, which again was XX/XX/2017. 
I took in the card and ID, told them it had the wrong name, they had no idea what I was talking about. They got that particular bank manager to come over, she had no clue what I was talking about. The wrong name! 
So they had me fill out a name change form. Why? I have no idea. Because they do not know what they are doing at this location either. I did the name change form. They said a new card with the correct name would be mailed out in 2 business days. 
Fast forward a week later, no card and name on account is still wrong. I call the 800 number for TCF Bank on XX/XX/2017, she calls the local bank in XXXX, MI. 
The location in XXXX, MI never even sent in this name change form! So it was sitting at this office for an entire week, with my personal information on it, plus my Social Security number. This is outrageous for a bank! Who trains these idiots? 
The lady on the phone says again, the name will be changed in 2 business days and a new card mailed out. It is currently XX/XX/2017 and I just logged into my TCF Bank account, the name is still wrong! It is still listed as XXXX. 
This is direct deposit from Social Security. This is a lump sum for Social Security XXXX because I am XXXX, as per the Federal Govt. figured out. I do not appreciate being treated like this by TCF Bank. I currently do not have access to my funds either! I do not have any ID to match to the account or the bank debit card that says my name is XXXX. I have given them over a week and a half for a simple name change, that should not have been wrong in the first place. It is still wrong.
Product: Credit card or prepaid card

I got a XXXX XXXX credit card ( XXXX ) a few years ago which was only supposed to cost ~ $ 50/year. Since then, I have never used the card I probably had to pay $ 500+ in fines, late fees etc. Several times I logged into their website and put my bank account for automatic payments. Also did the same by calling them. But every few months I get a letter which shows a {$40.00} late fee for a {$2.00} min fee that I failed to pay. I do n't want to pay late fees for automated {$2.00} payments that failed to process The company which is managing this card ( XXXX ) is a completely incompetent scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully suggest that you make investigation because I believe I am a victim of identity theft. I do not know these items ... I will have to refer the matter to my attorney and take immediate legal action. I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I have been a victim of identity theft fraud. I have no idea of any of these inquiries. Please review this and remove this as soon as possible.
Product: Payday loan, title loan, personal loan, or advance loan

Initially I was denied faster than a New York minute, which leaves me wondering and suspicious. Now it seems like its too fast even for them, because Im getting these emails from them encouraging me to finish my application.
Product: Credit reporting

there is an address showing me to have lived in North Carolina, which I have never even visited, much less lived there
Product: Debt collection

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX & XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

I filed 67 disputes worth of {$590.00} they declined the disputes have a scammed from an online casino it wasn't legit it's already taking 40 days they declined me I declined her decline so they resubmitted it again that's another 30 days into it I thought chime Bank was supposed to be decent but they also Bank with XXXX XXXX