23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

FCRA violations Not mine not my credit cards XXXX Potentially negative Date XXXX XX/XX/XXXX Balance {$230.00} Status Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3700.00} XXXX Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$860.00} Status Account charged off. {$4.00} not my energy bill XXXX XXXX Account number XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$390.00} Balance updated XX/XX/XXXX not my addresses XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX FM XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX, CO XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, CA XXXX XXXX type Single family XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident XXXX Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX FM XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, CO XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX, CA XXXX Resident type XXXX family not my names not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my XXXX RESIDENT VERIFY Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a ulta  credit card on my account without my permission and they spent {$500.00}
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Sometie in XXXX I contacted Chase Bank customer service and asked to close my account and have my funds sent to me because I now live in XXXX and have abandoned plans of coming back to work in the U.S. 

They asked me to send them a secured message thru the banking app requesting for the same. I sent them a secure message and on XX/XX/2022 I received a reply stating that they couldn't close my account at the moment as the balance exceeded XXXX and they gave me 2 options. The first one was to transfer or withdraw funds from the account to bring the balance down then resubmit the request. The second option they gave me was if the balance was below XXXX ( which it was ) to send them a written request to close the account and include the following information : my full name, my full account number, my social security number, my current phone numbers, the address where I want the money sent and how I want to receive the money ( check or account transfer to another chase account ), my signature and date and it should be notarized. 

I have notarized a letter with all the information required and I sent it to them to the address that they wanted me to send it to ( National Accounts Closing in Texas ). 

I sent it on the XXXX of XXXX thru XXXX. According to the XXXX XXXX, they received it on the XXXX of XXXX and an XXXX XXXX signed for it. 

I waited for three weeks and I didn't get a reply, so I called customer service yesterday XX/XX/XXXX and asked about it. I was passed on to different individuals with each forwarding I had to explain everything from the beginning. Nobody could tell me what I needed to do aside from what I had already done. The last person that I talked to yesterday told me to set an appointment with a local branch personnel by phone. I set an appointment and a XXXX XXXX from XXXX XXXX Arizona branch talked to me and his advise was to send him the same papers I have already sent and he was saying he would forward the letter to the same department that I sent it to. I asked for a number for the National Closing Accounts department where my letter was received and he said he did not have a number for them. 

I didn't not resend my letter as I believe it will be a waste of my time and money as I fear I will encounter the same problem.
Product: Checking or savings account

On XX/XX/XXXX, I visited the State Employees Credit Union on XXXX XXXX to inquire about receiving Credit Union 2way alerts to a phone number that should not be on file currently. In addition I have not used online banking since XXXX of 2023 due to identity fraud and fraudulent activity in my account that was noted with unusual phone numbers not associated with my identity in my account. I stopped using online and should not have 2Way alerts. When I came into the branch on the XXXX, I spoke with a representative for some time who had to call another individual to gain insight as to why I was receiving messages to another phone not currently on record in my account, yet we updated security measures that day. 
On XX/XX/XXXX, I received a text message that states " You have successfully unsubscribed from CreditUnion2Way/Alerts and will receive no more messages info XXXX. '' This text message was in response to a debit card purchase I made from XXXX XXXX XXXX  XXXX. 
I am concerned about security and safety because again : I do not subscribe to Credit Union 2Way alerts as I have addressed this before and their should only be one phone number attached to my account.
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 OF XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A. Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 

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

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

While being a customer of XXXX now XXXX, I've had several issues of over charges for my account and was a loyal customer for over 4 years. When expressing concern for a service I was charged for and was never informed I had access to, I was ignored. I had a conversation with XXXX and my account was never corrected. XXXX charge me for a phone service which I was told was part of a bundle from the prior year, which I never was informed of. I learned of the service charge after disputing another issue with my cable service over the phone. When I asked for my call to be escalated no one ever contacted me back. I'm certain that I was charged excessive late fees as well. 

Currently, I don't have anything to attach because I don't have access to my notes due to storage but XXXX has access in their records of my calls. The rep informed me they were taking notes, unless the rep lied to me.
Product: Student loan

I am writing to be a part of the Navient School Misconduct discharge application. I currently have some loans, some of which have a predatory interest rate, to some schools that were listed in the XXXX v XXXX lawsuit. While I understand these are private loans, the fact that the Courts have ruled that these schools are predatory enough to have my public loans forgiven, I feel the private ones should fall in line as well. 
Loan 1 is in the amount of {$1400.00} principal and I have paid over XXXX in interest. 

The other loan was originally for XXXX, and I have paid XXXX in interest. This is predatory.
Product: Mortgage

Freedom Mortgage account XXXX NOW XXXX account XXXX Paid XX/XX/XXXX mortgage statement to Freedom Mortgage in full PLUS {$400.00} additional principal via XXXX checks via XXXX mail. Checks were never cashed. 

Freedom Mortgage account shows I never paid XXXX statement. Not true. 

Received letter from XXXX that Mortgage has been transferred to said company as of XX/XX/XXXX, now account XXXX. Online account shows that XXXX payment has been made, but I still owe XXXX payment? Checks made out to Freedom Mortgage not cashed. 

Where is the payment I remitted? I have never missed or had a late mortgage payment, clearly a problem with transfer process, HOURS OF MY TIME WASTED ON THIS. 

I can not afford to make another mortgage payment for XXXX only for the original checks to be somehow " found '' and cashed. I should not have to have a missed payment associated with my/my husbands account because of errors on the part of these XXXX companies.
Product: Student loan

In XXXX 2015, an automated payment to Navient was returned for insufficient funds. I then immediately contacted Navient to correct what had happened. They then proceeded to attempt another payment, but from the wrong bank account. They then contacted my sister for a payment, and ended up receiving two payments later in XXXX. They then posted SEVEN late payments to the credit rating agencies. I placed several calls this XXXX to correct this matter, including one on XXXX XXXX when their rep stated all the late payments would be corrected due to " multiple servicing errors '' on Navient 's part. In a subsequent call, the same rep reneged on this and Navient removed just two late payment entries, leaving FIVE remaining. There was one " missed '' payment that was immediately addressed, so leaving five late payments on my credit due to Navient 's incompetence and inefficiency constitutes an unwarranted and unmerited assault on my credit rating. I respectfully demand reversal of at least most if not all this negative information.
Product: Checking or savings account

I was texted by Wells Fargo bank that a scheduled withdrawal of {$3500.00} was going to come out of my account they said say yes or no if this was you I texted back, No. the banker from Wells Fargo called me and said that we need to transfer your money over to a new account so that you dont have an overdraft. My account balance is XXXX so he took that XXXX and deposited it into a new account. The banker who called me ended up being a scammer and he took my {$2700.00}.
Product: Debt collection

Contacted a member of my family and shared with them the original creditor 's name as well as the amount of debt owed. Demanded payment from this relative and demanded it be paid immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with Credit Acceptance Corp and it was the worst mistake of my life. So I refinanced this loan but I wish I had refinanced sooner but they were giving me inaccurate information about refinancing. I refinanced the loan with XXXX and I wish I had done it sooner. I got a call from a collection agency stating that I owed a small balance. I sent them a certified letter asking why they say I owed a balance when I had a letter stating that my account was paid in full. I received another letter from Credit Acceptance stating that my account was paid in Full in XX/XX/XXXX. But in XX/XX/XXXX they reported to all 3 credit bureaus that the account is in collections. The company then sent me another letter stating that my account was paid in full. The company even sent me a refund check for {$47.00} in over payment to my account. My credit report did not show any late payments before they sent this straight to collections and it is now it is still on all of my reports even though I have been disputing it and it caused me to be denied another car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE DATA BREACH CAUSED THE FTC VIOLA TION THAT IS NOT FIXABLE I'VE TRIED MORE THAN 4 MONTHS ENCLOSED THE ACCOUNTS THAT CAN NOT BE RESOLVED THEN WENT TO XXXX XXXX AT XXXX XXXX
Product: Debt collection

I spoke to a representative at Diversified Adjustment Service Inc. who represents XXXX the phone company. They told me that I could settle my debt with XXXX if I paid half of the owed amount to them. I paid XXXX dollars and was told that I no longer had a debt with sprint. I called XXXX two days later to confirm that my debt was paid and they informed me that it was not true but I still owe them a few XXXX dollars. When I explained what happened and what I was told they said that it was not their problem but I still owe them. I called Diversified and was told by a new representative that what happened is not their fault but they could transfer me to a manager who did not answer. I called back multiple times only to be transferred multiple times to the voicemail of the manager. I explained to both XXXX and Diversified that financially this is a hard time due to losing my job to Covid 19 and I only paid the debt to protect my credit. There was no resolution.
Product: Checking or savings account

I have been waiting for 9 months for BBVA to return the money from a checking account closed by the Enterprise Fraud Department in XX/XX/2021. My checking account was closed by BBVA in XX/XX/2021, due to my daughters ' unemployment benefit checks depositing to my account as they had been for the previous 10 months, my daughter was not a signer on the account. There had been no problem with the ACH deposits for 10 months so I assumed it was okay. I received a letter explaining my account had been closed and after a mandatory 10 day waiting period they would send me the balance or send the money back to the XXXX  XXXX XXXX if there were any disputes as to the rightful owner of the funds. I waited a month then began a daily routine of calling the XXXX Fraud Dept. at BBVA to be put on hold for a minimum of 45 min usually to be hung up on as the phone was answered this went on for 5 months during that time I spoke to 5 different people who all told me the money had been sent to me by US mail as a check. I continued to call after never getting a check and was told by someone that I had withdrawn the money myself months ago, also told by another person that the money was sent to XXXX which it was not. I have spoken to the state comptroller to verify. I got another letter in the mail informing me my accoount was now frozen an they would be sending the balance to my address on file in 10  days. That was over 40 days ago.
Product: Credit card or prepaid card

Advertising for what you want then you pay then you find different charges on your card that was not authorized
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 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Payday loan, title loan, or personal loan

You would think Wells Fargo would have learned not to maintain bogus fee-charging accounts for its clients after multiple years of scandals. But it just continues... My business has an equity line, which charges an annual fee if funds are drawn. The balance is XXXX. I've asked the bank in writing to close the equity line so that I do not incur future fees. They have refused to close this open account - apparently they have some internal policy which they are clinging to, trying to justify their refusal to take action. How complicated is this? I don't recall agreeing to be subjected to more fees because a bank can't manage their own internal policies. Please close the equity line, end of story, I don't want to be charged more fees....
Product: Credit reporting or other personal consumer reports

I did not authorize an inquiries from the following account I would like it to be removed from my credit report as it is inaccurate. 

XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I called Synchrony bank Mastercard at XXXX. I spoke to XXXX in the fraud department. I advised her that there was an inquiry on my XXXX credit report dated XXXX from Synchrony that I didnt authorize and that I suspect fraud. She asked for my social, address and phone number. She advised that there was an attempt made and that she will report this as an attempt I didnt initiate. She advised that they would contact the credit bureaus but that it may take up to 60 days to resolve. My credit score has been affected and I would like this inquiry deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that there was fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account number XXXXXXXX XXXX i have never open a XXXX XXXX bank account it has reported on y Experian as late payment date was open was XX/XX/2023 the amount is {$600.00} I have no knowledge of this account please remove this account on my report
Product: Debt collection

On XX/XX/2023 I paid my phone bill with XXXX in the amount of XXXX. As their website states, they bill one month in advance. On XX/XX/2023, I switched carriers to XXXX and cancelled my verizon account XXXX The following month I received a bill for XXXX dollars and some change. I immediately phoned XXXX to inquire about the bill. The first call the fella attempted to tell me my billing started on the first. If that is the case, then why do I pay on the XXXX? I called back after I had calmed down and spoke with someone else who acknowledged that I didn't owe this money and that I was in fact owed the balance on the account, {$71.00}. I kept getting phone calls and bills from XXXX and I kept calling to inform them that it was in error. I phoned them again, this would be the third time, and spoke with someone who again told me that this bill was in error and I DID NOT owe this money and that i should be receiving a refund credited to my checking account. After receiving another call about them trying to collect on this bill I called AGAIN. I was told to ignore the phone calls as it takes them a bit to get all of this information in the system and moving. Unfortunately, the 5th phone call I received I didn't receive well and blew up at the poor gal on the other end. In XXXX of XXXX my husband had a XXXXXXXX XXXX  and we were not at home to receive any mail and I did not receive bills until we arrived home in XXXX. On XX/XX/XXXX I received an email from a company named Sequium who were trying to collect this debt from XXXX. I have submitted a dispute letter to them in accordance with their rules. I find this atrocious. I DO NOT owe this debt and am hoping for some help in resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
36 15 USC 1666B : A creditor may not treat a payment on a credit card account under (. 
open end consumer credit plan as late for purpose XXXX
Product: Credit reporting

Equifax states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Equifax can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public record.
Product: Credit card or prepaid card

I want to transfer funds from my GoProgram account to my bank account but am unable to do so. GoProgram instructs cardholders to initiate transfers by calling their customer service number or visiting their website, but both options do not provide/list the option to do so. I am unable to reach a non-automated operator and would appreciate assistance. Thank you!