23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/23 AT APROX. XXXX THERE WAS AN UNAUTHORIZED TRANSFER OF {$1500.00} FROM MY CHIME ACCOUNT TO ANOTHER CHIME ACCOUNT UNDER THE NAME OF XXXX XXXX ( $ XXXX ). I HAVE ATTEMPTED TO DISPUTE THIS TRANSACTION MULTIPLE TIMES AND RECEIVE THE SAME OUTCOME. I'VE PROVIDED ALL PROOF THAT I'VE HAD TO THEM, WHICH INCLUDED THE PHONE NUMBER THE HACKER USED TO CHANGE THE ACCOUNT HOLDER ( MY NUMBER ) TO ( THEIR NUMBER ). 
THEIR REASONS FOR DENYING MY CLAIM IS UNACCEPTABLE ( SEE ATTACHED FILE ) 1. MY DEVICE WASNT LOST OR STOLEN NOR WAS PASSWORD SHARED.

2. YES MY DEVICE WAS USED DURING THAT TIME BECAUSE I RECEIVED A TEXT ABOUT A SECURITY CODE SO I ATTEMPTED TO CHANGE MY PW AND MY NUMBER BACK SO THEY WOULD BE KICKED OUT OF MY ACCOUNT BUT WHILE I WAS DOING THAT THEY WERE ABLE TO TRANSFER THE FUNDS THAT QUICKLY. THEN IMMEDIATELY AFTER I CALLED CHIME TO FILE A DISPUTE.

3. MY DEVICE WAS USED IN THAT TIMEFRAME BECAUSE I WAS TRYING TO COUNTERACT THE THE HACKERS ACTION AT THE SAME TIME THEY WERE MOVING THE MONEY.

4. THERE WAS A FUNDING EVENT BEFOREHAND BECAUSE I WAS HUNGRY AT XXXX, NOT SURE HOW THAT WAS RELEVANT. 
5. I DON'T UNDERSTAND HOW AND WHEN THEY GOT ACCESS TO MY ACCOUNT BUT THEY DID WITH EASE.

I'VE ASKED TO SPEAK WITH THE INVESTIGATORS COVERING MY DISPUTE AND I'M UNABLE TO. SOMETHING SIMPLE AS INVESTIGATING THE ACCOUNT THAT THE MONEY WAS SENT TO WOULD NOT ONLY RESOLVE MY ISSUE BUT MAYBE OTHERS AS WELL BECAUSE I CAN NOT BE THE ONLY VICTIM, IT WAS EXECUTED TOO WELL. IF THAT ISN'T POSSIBLE THEY CAN USE THE LOCATION OF THE DEVICE USED TO MAKE THE TRANSFER AND SEE THAT MY DEVICE LOCATION DIDN'T MATCH THAT. I DO NOT CURRENTLY HAVE THE TIME AND RESOURCES TO SUE, FILE COURT CLAIMS, OR CALL NEWS OUTLETS JUST FOR ME TO BE ABLE TO HAVE MY HARD EARNED MONEY RIGHTFULLY RETURNED. THAT SHOULDN'T EVEN BE NECESSARY. IF THE PAYMENT WAS DRAWN FROM MY SAVINGS OR CHECKING ACCOUNT UNDER FEDERAL LAW I HAVE THE RIGHT TO HAVE THE ERROR RESOLVED.
Product: Credit card or prepaid card

I was subject to fraud via XXXX. The person who filed in my name requested a debit card. The debit card came and I am not able to reach anyone with the company to report fraud. This company does not have a way to contact them and make you activate the card. This is no good. Consumers have no way of feeling safe. 
Way2Go Card is the name of the vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX, XXXX, XXXX/XXXX, XXXX XXXX IN, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, Company Inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$11000.00}, {$3200.00}, {$1800.00}, {$390.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXXXXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am a documented victim of identity theft. I submitted an FTC Identity Theft Report ( Ref. # XXXX ), a notarized sworn affidavit, and supporting documentation. My ChexSystems report contains multiple unauthorized inquiries and inaccurate personal information that I did not authorize or consent to. These include inquiries from various online lenders and data pulled under false pretenses. I did not apply for any services, accounts, or credit applications related to these entries. 

I submitted a full dispute and demand for permanent deletion under FCRA 605B. I am not requesting a fraud alert or victim statement. I am asking for a clean, unrestricted, and corrected consumer file, with a mailed copy showing the deletions and a written response.
Product: Debt collection

Credence Resource Management has made attempted attempts to collect on debt that does not exist with my current mobile phone provider. CRM is refusing to release information unless I release PII to an unidentified resource. All accounts are current and there are ZERO late/missed or defaulted payments on my credit. I can provide full payment history on account. I would like to proceed with any legal action at my disposal through or in partnership with any government organization.
Product: Debt collection

On XXXX my ex husband recieved 19 new bills with my name no longer on them addressed & sent to him for old medical bills of mine. This company Express revovery is so fraudent. I called the u of u to see about this and they said these bills were mine XXXX XXXX not XXXX XXXX bills Express ( They ) bought the old debt & now are being relentless. They are calling at all times of day XXXX to me, him, neighbors, extended family members etc..nonstop. they are harassing everyone over this!!! 
Now billing him ( XXXX ) for My medical bills when we were no longer together during the bills services & he never once went to the dr . In 20 years. Too then He recieved 20 bills today with all different accnt numbers in his name and mailed.to him for datesof services that were my bills not his. I cant pay mu old bills & try to do XXXX XXXX  etc & I called a lawyer too but they said XXXX XXXX for a bankruptcy with my good credit since ita been a while is obsurd. & i called them disputing this but they were very verbally abusive & threatening. They wont stop saying we were married once so hes liable Hes not i know he is not ... .they aren't his bills or debt. Utah is not a community property state. We were split up then & now. Half of these bills i did XXXX XXXX on too thru the u ofu & they are being sold after that?? Huh? So im very confused!!! He isnt liable or the correct person stated on the bills. Its all a chaos scramble that they are lying trying to scare him & to get him so he'll Pay something so the statute of limitations will start over & stuff. I need help please.. i can send u all these bills they mailed him. & anything else u need.

I dispute all of this & these ways they are going about this. They wont send me the paperwork verifying that its my debt/ ( not his ) & the dates of service etc. Or any Paperwork they have from those dates of services. They wont do anything ive asked & listen that dispute there collections of him & me & dont believe anything they are trying to do. 
They are shady people caught up in ugly circumstances of someone's past & to then trying to get someone else to pay? Thats so wrong & illegal. Please help XXXX XXXX XXXX utah. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX provided me with a consult to have a procedure done, I told them I hadn't decided yet and wanted to wait. I was asked if I wanted to check with their lender to see if I qualifed for financing, I said ok. 

Ally Lending XXXX XXXX XXXX XXXX XXXX NY sent me a payment for {$110.00} towards a {$2900.00} loan. I told them I did not have any services rendered and did not wish to do so, they are filing with XXXX. 

I spoke to XXXX and they were very adamant that I had signed a contract. I told them I would not be doing any services with me and they held the attitude that I had signed a contract. 

I unknowingly must have signed when I filled out the info for Ally credit. I will not be receiving services from them and I will not be paying any money, however I'm worried how this will affect my credit. 

Just this morning they sent me a new contract to sign. 

Please advise, I believe XXXX Image runs a scam, to push people into using their services.
Product: Checking or savings account

The incident started on Saturday, XX/XX/2023, around XXXX XXXX  at the TD Bank branch at XXXX XXXX XXXX in XXXX NY. I deposit on the ATM machine {$700.00} Cash and all of a sudden after giving my money to the machine slot, it said on the screen : " We are unable to provide the details of your deposit at this time. Please retain the receipt for your records. '' The ATM printed a receipt for me for further proof of my deposit. I looked at my TD app on my phone and it indicates that the {$700.00} was deposited but on HOLD. I waited until Tuesday, XX/XX/2023, and I saw a negative - {$690.00} on my app & I immediately called TD customer service, and told me to go to the branch where the incident occurred. I went and spoke to a representative name XXXX and filed a claim on the issue. 

After that, I kept calling for further updates and didn't receive an update until Monday, XX/XX/XXXX that my claim was denied and said that the Fraud department didn't see any error. They will do another claim and wait XXXX business day. On XX/XX/XXXX I went back to the TD branch in XXXX and spoke to XXXX again and made a few phone calls about this issue, but no help or options. So He had to do another claim. 

I called today XX/XX/2023 for an update since I filed 2 claims ( XX/XX/XXXX customer service & XX/XX/XXXX branch ) customer service told me they denied again the claim I made on XX/XX/XXXX at the branch with XXXX and that the claim on XX/XX/XXXX is still on going and to wait another 5-7 business days. 

I told them : " how can I be denied twice? This doesn't make any sense. I always deposit cash in the atm machine of {$700.00} for rent purposes and that you can see in my previous statements. And now this was the issue that occurred and I can't trust my money the next time I want to deposit cash at Td bank. I'm like : " you can't see through the cameras of me depositing cash and a printed out receipt as proof of my deposit, which I still have the original. 

They kept repeating to wait for the next claim response.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Has decide to leave delinquent on my credit report after filing XXXX XXXX XX/XX/2024 and it already discharged needs to reflect a XXXX balance and no $ $ amount due
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report ( XXXX XXXX Account ) Dear CFPB, I am writing to formally request a detailed description of the investigation process followed by your agencies regarding the disputed information on my credit report, specifically related to the XXXXXXXX XXXX account. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ), credit reporting agencies are required to provide a description of the investigation within XXXX XXXX  of receiving a consumer dispute. 
Background and Discrepancies Upon reviewing my credit report, I noticed discrepancies in reporting late payments on the XXXX XXXX account. According to my records, payments were made on time, yet my credit report inaccurately reflects late payments on the following dates : XXXX : Reports XXXX and XXXX late payments in XXXX and XXXX despite records showing on-time payments. 
Account details show it was closed and " Canceled by credit grantor, '' but these late payments are inaccurately listed in the two-year payment history. 
XXXX : Lists a XXXX late payment for XXXX, XXXX late payment for XXXX and XXXX late payment for XXXX which is incorrect according to the payment records. 
The account status is marked as " XXXX, '' but the late payment notation is not supported by my payment history. 
Equifax : Reflects XXXX, XXXX and XXXX late payments inaccurately for XXXX, XXXX and XXXX. 
Last reported date was XX/XX/year>, with payment status inconsistencies despite timely payments. 
This account has been reported inconsistently across the XXXX bureaus, with payment inaccuracies that conflict with my records. Despite previous disputes, there has been no correction to these discrepancies. 
Request for Investigation and Supporting Documentation I request that your agencies conduct a full investigation into these discrepancies, correct the reporting errors, and update my report to reflect an accurate " Paid As Agreed, Never Late '' status for the XXXXXXXX XXXXXXXX account. Please provide a comprehensive description of your investigation process, detailing the procedures followed, as required under the FCRA. 
Additionally, I am requesting that you provide the reasonable procedures used in verifying my account history, including mailing timelines for statements, as stipulated under 15 USC 1666 ( b ) and 15 USC 1637 ( b ). 
Supporting Documentation I have attached the necessary documentation, including copies of my payment history, which demonstrate my adherence to timely payments. In the absence of verifiable proof to support the reported late payments, I expect prompt correction of this account status. 
Conclusion Should the reporting agencies fail to provide proof or correct the inaccuracies, this will be considered a violation of the FCRA. I appreciate your prompt attention to this matter and expect a written response within XXXX XXXX 
Thank you for your cooperation in maintaining accurate reporting standards. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/XXXX, I was contacted by Marcus by Goldman Sachs by email. They said I should call them immediately. I did, and when I did, they said they had closed my account. I asked why, and they didnt provide a reason. There was about XXXX XXXX in the account at the time, and I asked when and how Id get that money back. They said they couldnt provide me those details at that time. 

The next day, I called and asked. I was told it could take up to XXXX days to get my funds, and it would be by XXXX. 

Ive since been attentive to this because this is almost all my personal savings. On the following dates this year ( XXXX ), Ive called and asked for an update : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX And all Ive been told is that, as of now, the account is still open, still frozen, and XXXX cant get the funds out until they send them back, which they cant tell me how long thatll be at this point. The entire initial interval has elapsed. This is an exceedingly nontransparent closure process and it is ridiculous that they can retain my savings for so long without oversight or accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN I
NSTRUCTIONS.
Product: Debt collection

I recently fell victim to identity theft and discovered that the thief had racked up a significant amount of debt in my name. After contacting the credit collection services, I learned that the debt was wrongfully assigned to me. I have been working diligently to retrieve the debt and clear my name.
Product: Credit card or prepaid card

I purchased a ticket for my mother on XX/XX/2019 to travel overseas for XXXX $ using citi bank credit card..As my mother was diagnosed with XXXX,doctor advised her not to travel. On XXXX I paid XXXX as change fee to reschedule her flight.I opened a case with citi bank , case # Citi Card Benefits Request XXXXI submitted all requested documents to adjustor on XXXX. I was told that he/she has all information and she would approve in less than 2 weeks. He/she made some update on XXXX to restart clock of 2 weeks. I inquired again on XXXX to ask status on this case and requested to talk to adjustor but couldn't. within couple hours now he/she is asking for claim amount, this is basic information that adjustor should already have it or have asked for it long time ago. I have a fear that citi bank may be using delaying strategy hoping consumer would forget. They are asking and taking delaying case 2 weeks at a time . can you please look into this?Thank youXXXX
Product: Student loan

While attending the XXXX XXXX of XXXX - Online Division, I received a scholarship for the current quarter. The campus has shut down and a refund for the remaining balance has not been sent back to the foundation that issued my scholarship. Attempts to contact the school via email and phone have failed, with any contact with persons in the institution redirecting me to the closed school information page with phone numbers that do not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an account from  XXXX   XXXX  that should be removed.   I 've submitted a dispute and added information supporting the removal of this account.   Equifax has yet to remove this negative account.
Product: Debt collection

Alltran Finacial, LP keeps calling me. I never gave them my phone number or email address. They have my personal information & I never authorized them to have it or contact me. After I received several calls, emails, and confirmed by mail that debt is not mine they continuously harass me. They keep sending letters accusing me of owe-ing them money. Debt is not mine & I asked them to stop all communications.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  XXXX  XXXX  - XX/XX/year> XXXX  XXXX XXXX - XX/XX/year> XXXX  XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

This company did an automatic payment that failed XXXX. I seen the declined payment XXXX and paid the balance in full. Then on XXXX i get 30 day late notifications from credit bureaus and it dropped my score over XXXX points. This company don't have a contact number only email address
Product: Debt collection

As a student at XXXX under the GI Bill accrual of fees are paid quarterly. I received notification from General Revenue Corp first week of XXXX in regards to the accrued XXXX fees. I stated to them the account was paid in full on XX/XX/2020. He stated he did not receive notification of any payment, but would verify it. I thought nothing of it because I had the paid invoice in my email as well it being updated on the XXXX site. I received a notification from XXXX that there is a negative impacting report posted on XX/XX/XXXX. The negative report was for collection from General Revenue Corp on behalf of XXXX. My credit was decreased significantly from this false report. When I called them first and stated my issue I was told it is not their problem and they only receive information from their customers monthly and was unable to update the credit reporting until XXXX. I stated again that the account has been paid and has a XXXX   balance since XXXX XX/XX/2020. The rep restated her comments. I called again after my credit dispute returned with no change. The rep stated they made a mistake, but she did it know how to correct it. A manager got involved, but made no guarantees on it being removed from my credit report anytime soon.