23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, my daughter XXXX, used our Apple Card from Goldman Sachs and made an online purchase from XXXX XXXX ' XXXX and a company called XXXX. On XX/XX/XXXX, literally the very next day, she called to cancel and was told she had XXXX options, the second on " # 2 If you'd still like a refund, our process is for you to go through a brief exit interview with our in-house coach, XXXX. XXXX XXXX immediately responded she would like to choose option 2. and on XX/XX/XXXX she had a call with said coach. Then, when this still wasn't refunded she disputed the charge with XXXX XXXX XXXX XXXX. Now, XXXX is stating this time period is WAY past an acceptable refund/dispute date. She did exactly what was asked for a refund and still, almost a year later we continue to get the run-around with XXXX, Goldman/Apple and can't even get them to read their own materials on how to get a refund. And their marketing materials clearly show you can " Cancel anytime. 30 day money back guarantee ''. 

This is beyond ridiculous that they told XXXX exactly what needed to happen for a refund, a refund she requested less than XXXX hours after placing the order. She jumped through their hoops, had a call on XX/XX/XXXX with their coach and we are still out all this money. Companies have gotten out of control with the advance of the internet at leave no room for consumer protection. by law, they have to provide all the details and give at least three full business days for someone to rescind a contract. Additionally, by law they have to provide something like the following : Event dates and locations are subject to change. Non-attendance at the event is not grounds for refund, nor release from this agreement. All deposits, advance payments, finance forms and tickets are non-refundable and held as in-house credit toward future enrollment and/or purchase. You have three days from the date of this agreement to review and/or return the training materials with no penalties for cancellation.

And/or Cancelation Policy You, the buyer, may cancel this agreement at any time prior to midnight of the third business day after the date of this agreement, excluding Sundays and holidays. To cancel this agreement, mail or deliver a signed and dated notice that state that you, the buyer, are canceling the agreement, or words of similar effect. Such notice shall be sent to the sellers address.
Product: Credit reporting or other personal consumer reports

XXXX IS REPROTING INACCURATE INFORMATION ON MY CREDIT FILE AND REFUSE TO REMOVE THE VIOLATION OF THIS MATTER AS IT HAS BEEN ADDRESSED ON SEVERAL OCCASSIONS, THE ACCOUNT XXXX XXXX INVESTMENTS ( XXXX XXXX XXXX XXXX XXXX ) IS REFLECTING A OPEN BALANCE ACCOUNT STATUS AND THE ACCOUNT HAS LONG BEEN SETTLED AND PAID OFF THIS INFORMATION SHOULD NOT BE REFLECTIN ON MY CREDIT REPORT AS A DEROGORTORY ACCOUNT AS IT IS NOT AN OPEN ACCOUNT. ALL OTHER CREDIT BUREUS HAS UPDATED THIS INFORMATION BY REMOVING THIS ITEM FROM MY REPORT BUT XXXX HAS REFUSED TO REMOVE AS I WILL NOT CONTACT AN ATTORNEY AFTER SEVERAL ATTEMPTS TO HAVE THIS ITEM REMOVED WITHOUT SATISFACTION. Also XXXX, and TransUnion IS FALSLY REPORTING XXXX XXXX XXXX, FILE # XXXX, AS OPEN STAUTS ACCOUNTS WITH BALANCES. I HAVE NEVER AUTHORIZED XXXX FUNDING TO UTILZE MY PERSONAL INFORMATION FOR DEBT COLLECTION NOR DID I GIVE THEM AUTHORIZTION TO USE MY INFORMATION FOR THIS HARRASSING PURPOSE AS THEY REFUSE TO RELEASE THE AUTHORIZATION GIVEN THEM PERMISSION TO HARRASS AND UTILIZE MY INFORMATION FOR DEBT COLLECTION PURPOSES. WHICH I BELIEVE IS THE CAUSE OF MAJOR IDENTITY THEFT BECAUSE NO ONE GAVE ORIGIN THE RIGHT TO SELL PERSONAL INFORATION TO DEBT COLLECTION AGENICIES. ALSO XXXX IS REPORTING POTENTIALLY NEGATIVE INFORMATION ON MY CREDIT REPORT AS ALL ACCOUNT XXXX, XXXX XXXX ACCOUNTS ARE ALL IN GOOD STANDING AND REPORTING POTENTIALL NEGATIVE INFORMATION ON MY CREDIT REPORT WHICH IS INACCURATE INFORMATION VIOLATING MY CONSUMER PROTECTION RIGHTS.
Product: Credit reporting or other personal consumer reports

A company XXXX, Collection Management Company ( formerly shown on my report as XXXX XXXX ) are showing the same account and balance on my credit report twice. This is even after Ive disputed the information as such. It has been rendered inaccurate by them yet still appears on my credit report twice. This is a violation of the FCRA laws and gives potential lenders the impression that my collections are more than they are, which could hinder me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights .

15 USC 1681 Section 602 A States that I have the right of privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without MY written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

received credit report on XX/XX/2018 for XXXX XXXX XXXX XXXX XXXX XXXX, had a credit report of XXXX, but my last name was misspelled. as was my wife 's. My last name should be spelled as XXXX Reported as : Consumer Credit Score Source Date XXXX XXXX XXXX, XXXX Transunion XX/XX/2018 XXXX XXXX XXXX XXXX Transunion XX/XX/2018 Please make the following corrections : Change last name from XXXX to XXXX. Thanking you in advance.
Product: Student loan

I have consolidated loans with the loan servicer Navient. I am a teacher and applied for Federal Teacher Loan forgiveness this past summer. I was denied even though I met all the qualifications and submitted proper paperwork. It has now come to my attention that Navient was involved in bad practices that made it impossible for teachers and other public service providers to be eligible for these loan repayments. They put their needs and desire for extra fees above those of their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an issue with an overpayment ( double payment made ) being applied to my credit card account in XXXX with Synchrony bank. The bank sent a refund check ; however, I did not received the original check. I called the bank and they re-issued another refund check. 

On XX/XX/XXXX I received the re-issued refund check in the amount of {$3600.00}. As of XX/XX/XXXX I received an e-statement by email from Synchrony stating my current balance is {$3600.00} with a minimum payment of {$37.00} due on XX/XX/XXXX. The credit amount that was originally showing on my credit card account was due to an over-payment by me and a refund should rightfully be given to me. It appears that Synchrony bank as added the amount back to my credit card account and it's now showing a balance. I am not sure how this error could have taken place but this needs to be rectified quickly. The issue I have is this balance has now been reported to the 3 major credit reporting agencies for this statement period. This error has adversely affected my credit score/rating as my score has now decreased. Other creditors may see this decrease in score and it my impact their decision in weighing my creditworthiness. 

Thank you so much.
Product: Credit card or prepaid card

Fraudulent Chase Bank ( account/s ) Possibly involves XXXX XXXX XXXX accounts XXXX : distributed information dark web Cell ported number Can not contact Chase Bank No access to cards/accounts Possible additional account holders XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$310.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I transmitted {$1400.00} ( my rent ) via XXXX  - Citibank 's replacement for electronic money transferring. XX/XX/XXXX, my landlord contacted me and shared that he never received a link via his phone number. The following actions then ensued : XX/XX/XXXX + I contacted Citibank asking to provide me with proof that the money I sent was " deposited '' into the bank account of XXXX XXXX, intended recipient, who has a XXXX account.

XX/XX/XXXX + Citibank responded that they'd open an investigation and that if the funds were not picked up in 30 days from the date they were sent they'd be refunded back to me. Those 30 days went by and I called back and they shared that I was to then contact the recipient directly who went through his XXXX account and shared that the money was not deposited.

XX/XX/XXXX + I contacted XXXX for any assistance -- they shared that I would need to speak to Citibank. Called Citibank again, and they shared that they would get back to me.

XX/XX/XXXX + I received a document sharing that they'd gone through the records and found that the recipient had " received the funds. '' And that I was entitled by law to obtain copies of the information. I called the number listed on the document and requested those documents. The documents, to this day, have never been sent or forwarded to me despite multiple calls - 3 in fact, one sharing they'd email them to me, and others sharing that they didn't have those documents. XX/XX/XXXX - I would like this money to be refunded back to me so that I can provide that money to the intended owner. Currently, Citibank nor XXXX has provided me with proof that they accurately deposited the money into where I instructed them too.
Product: Credit reporting or other personal consumer reports

Approximately XX/XX/year>, I have disputed this account XXXX XXXX XXXX account number XXXX several times within Experian credit bureau and even attempted to contact the credit account company directly they advised me they was unable to verify any information and I need to dispute the account with the credit bureau which i have tried several times within the last 5 months and Experian refused to provide me with documents associated with the evidence or delete the file off my credit file. This account is showing a charge off of {$XXXX}. Please help or advise what i need to do to get this credit account off of my credit file thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries below do not belong to me and were not authorized by me. Please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax is reporting a debt from XXXX XXXX XXXX. I have never had a loan with them. This is a fraudulent account on my credit report. I have filed a FTC report filing that this account is fraudulent. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violented my rights. 

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

I never had a account with this company nor the original creditor
Product: Checking or savings account

I have been a victim of cybersecurity since XXXX. In XXXX, I had been XXXX  in my home and suffered XXXX XXXX XXXX Soon after, I changed my accounts after several checks and withdrawals which I was only partially awarded. I'm owed {$1100.00} from this occurrence from last XXXX. Without asking, the man at the bank chose I start a new account, and never had given what I was owed. I had reported 12 months of fraudulent claims, but not even half were answered although 12 months consisted of a false transaction every month. I had a fraud alert added in XXXX, after being denied thousands. I wasn't the same person after my XXXX XXXX until the end of XXXX, when viewing my XXXX account and seeing 20 straight days consisting of over 400 false transactions plus the fact a new account had been opened and I had to learn it through XXXX. When I called them, I could tell they were caught off-guard and hadn't seen this yet. I asked of a new account, which they denied on the phone and my next visit to the bank. This happened again another month later, but I've been unable to call out, access my XXXX app, or my XXXX account besides a very few times. I can't remember how long since my XXXX  has been accessible, my XXXX  account took 4 months until an affidavit to the FTC, and there I learned of two more accounts that had opened. I called and stayed on the phone for an hour each month, unable to see any statements of their wrongdoings until finally finding a ride to the bank by my friend. It doesn't matter how many times I tell them of these false claims they never tend to answer them so then I decided to buy XXXX XXXX in XXXX to show my biometrical position. I rarely leave my home, and there are charges nearly everyday showing on my statements. I only claimed the ones I know were not me, and I bet there are plenty more. I don't have any idea of why I should have to be charged to pay off other accounts with my sole account either
Product: Credit reporting or other personal consumer reports

I have filed an identity report with the government to have these accounts in question investigated & I would like these removed they are affecting my credit. I have been told these accounts were verified ( which is false because they are not mine ) and did not provide any proof they were mine. My rights have been violated, and before I take legal action I demand these accounts be removed. 

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately.
Product: Debt collection

15 USC 1692c ( c ) If a consumer notifies a collector and the consumer refuses to pay a debt the debt collector must cease all communication. By reporting to consumer report is a form of communication. 

FCRA STATES THAT I HAVE THE RIGHT TO AN ACCURATE CREDIT REPORT. YOU CAN NOT HAVE A COLLECTION/CHARGE OFF WITH AN AMOUNT OWED LISTED. PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX 2. IQ Data International IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the evening of XX/XX/XXXX, I went to the Citibank drive-through as it was after hours and the branch across the street was closed. I deposited {$2300.00} in cash at the Citibank ATM located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. After depositing the funds into the ATM, I received a receipt from the ATM stating : CASH DEPOSIT I'm sorry, but because of technical problems, I can't return your cash right now. 

Please take this record. For assistance please call Customer Service at XXXX. 

I immediately called the phone number and explained what had occurred, and a dispute was opened, XXXX, on XX/XX/XXXX, I was given the credit back to my account of {$2300.00}. On XX/XX/XXXX, I was horrified when I received an email and checked my bank account to see that the funds were reversed stating that their investigation showed my dispute was unfounded. Of course, it was unfounded because they are looking at the wrong ATM. The ATM is located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, which is the ATM at the branch and not the Drive through. 

I called when I received the email and letter and faxed the proof of the receipt to the dispute division 6 times as 2 of the 3 fax numbers are nonworking numbers and dispute # 2 was opened with XXXX while they reinvestigate which was opened on XX/XX/XXXXXXXX 

On XX/XX/XXXX, I called Citibank again to get an update on the investigation and was told that my dispute was again denied as no funds were located at the XXXX XXXX XXXX, XXXX XXXX, NJ ATM. This is again the wrong ATM address so of course my monies could not be found. 

I asked to speak with a XXXX based supervisor and for the first time with the 14-20 calls I've made I was finally transferred to one. A supervisor by the name of XXXX from the XXXX Call Center - Team XXXX XXXXXXXX, opened up another claim for me XXXX. She let me know that my monies would not be found as the back office keeps looking at the wrong ATM at the wrong address. XXXX told me that it takes 24-48 hours for a new dispute to be assigned to an investigator and that she would call me once the dispute was assigned that way she could explain to them the situation and get it resolved, to this date today XX/XX/XXXX, I have not received any calls back from here and have never been able to get transferred to another XXXX-based team or member. Today I had a conversation with XXXX XXXXXXXX XXXX XXXXXXXX, who would not transfer me anywhere or to anyone stating that she is not allowed to do so even after I told her that I had the information for the XXXX  team and was told to be transferred by any team member that answers the line. That did not occur and she hung up on me. 
MY commercial account is not in negative since XX/XX/XXXX, and I am being threatened with collection. I refuse to deposit any other funds in the account as my monies are stolen and there is no help or resolution. I even contacted the XXXX XXXX branch numerous times and was told that they can not assist me, even though that's the branch that I opened my account at. They claim the drive-through is a Citibank but it is a third-party company that handles it so it is out of their jurisdiction.
Product: Debt collection

I received an alert from XXXX XXXX last XX/XX/XXXX that I have an account that was put in collections. I checked my XXXX XXXX account ASAP and it's showing that a company named XXXX XXXX XXXX ( XXXX ) has filed a collection against me in the amount of {$310.00} and was placed as a derogatory account for non-payment. The account was opened last XX/XX/XXXX under SPEEDY CASH and I believe that it was forwarded or purchased by XXXX. The amount of {$310.00} was reported for collections and as derogatory last XX/XX/XXXX. I DID NOT open this account. I immediately filed a dispute with XXXX Credit Bureau that same day ( and I believe that XXXX also notified the other credit bureaus, XXXX and XXXX ). XXXX informed me that the estimated date of completion for the investigation will be on XX/XX/XXXX. After filing a dispute with XXXX, I called XXXX and filed a dispute at the same time. I talked to XXXX XXXX from XXXX. I told him that I NEVER opened an account with SPEEDY CASH and I don't own this account. He said that they will take note of the dispute filing and gave me this dispute account # : XXXX. After calling XXXX, I put a freeze/lock on my accounts with the 3 credit bureaus ( XXXX, XXXX and XXXX ). Up to this day, I haven't heard from XXXX. 

On XX/XX/XXXX, I called XXXX and talked to XXXX to follow-up on the status of my dispute and she told me that per report, XXXX rejected my dispute and claims that I opened the account. The same dispute results is showing in my XXXX account. XXXX from XXXX advised me to file a police report and gave me this website, the reason that I'm filing it today. 

Here 's the information of the creditor that I want to file a dispute : XXXX XXXX XXXX XXXX Speedy Cash  XXXX ; XX/XX/XXXX - account was opened ; XX/XX/XXXX - reported as derogatory/reported for collections ; {$310.00} - amount of collection ; Dispute Account # : XXXX ; XXXX *NO DOCUMENTS TO PROVIDE ; I DID NOT OPEN THIS ACCOUNT!!! 

Just for the record, I also received a letter from the XXXX dated XX/XX/XXXX that I may be a victim of Identity Theft. I also filed a FRAUD ALERT request with XXXX and they notified both XXXX and XXXX with regards to the fraud Alert. Actually, this is the second letter that I received from XXXX. 

Please let me know if you need any more information. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX These items are reporting on my credit report and they are inaccurate and do not belong to me. I've disputed XXXX XXXX & XXXX in the past and these accounts were deleted from my report for fraud, and they are back on my report again! These negative inaccurate accounts are hindering my score and not reflecting my true credit worthiness these accounts need to be deleted expeditiously
Product: Credit card or prepaid card

I have tried getting help for 4 days continuously being told to wait because there is nothing that can be done. I have confirmation of receipt from my bank that Robinhood.com received my money. They know I am on the side of the road, have not eaten in 4 days, and have no heat. Still, they refuse to allow me access to the funds and refuse to return funds to my bank. 
They repeatedly state to wait until XXXX. Despite me starving and freezing to death. Unethical doesn't begin to cover this
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that is inaccurate or not mine : The following accounts is inaccurately reporting that I was late : XXXX XXXX - Date Open : XX/XX/2016 ; Bal : {$11.00} ( XXXX, XXXX, Equifax ) The following accounts do not belong to me ; this account is a result of identity theft : XXXX  - Date Opened : XX/XX/2016 ( TU ) ; XX/XX/2016 ( XXXX  & Equifax ) ; Bal : {$0.00} The following are unauthorized inquiries : XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The Bankruptcy reporting in my account should be remove as it is inaccurate representation! This is against the FCRA! I have been disputing this for almost a year now and yet no result from XXXX! This is against the law!
Product: Debt collection

My loan was in deferment/forebearance and MOHELA reported it as late for several months when I contacted them they said they were going to remove the incorrect information and it still remains
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.