23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

During late XXXX, I found that I was being charged a late payment on my card for not paying a balance of {$24.00}. This {$24.00} was for a magazine subscription that was auto-charged to my card. I had not authorized this payment and had also used the Chase freeze card function so was surprised that anything was authorized to this card. I contacted Chase, they labeled the charge as a fraud, and I contacted the magazine company, had the charge removed, and closed the card 's account. I thought the issue was settled until I received a letter from Chase card member services on XX/XX/XXXX, saying that my account was overdue and going to collections. I called Chase and was told that because the charge was reported as fraud and not in the correct category, the charge was re-added to my account. Chase alleges that they tried to contact me by both phone, email, and written documentation ; I however never received any written contact until the letter received on XX/XX/XXXX. The charges by that time added up to XXXX, all fees except for the original {$24.00} bill. In my conversations with Chase I was able to get them to forgive three months of previous fees charged, but they told me that they could not forgive me any further back then that. I have since payed the remaining amount of {$110.00} so as not to adversely effect my credit score.
Product: Checking or savings account

Their written opinion of XX/XX/XXXX : " Our research indicates that claim XXXX was initiated on XX/XX/XXXX for the {$200000.00} online cash advance processed on XX/XX/XXXX. This claim was denied on XX/XX/XXXX, as the investigation shows the advance was made through a secure online banking session by you or someone who had your authority. We have enclosed a copy of the letter dated XX/XX/XXXX which explains the outcome of your fraud claim, for your review. '' Their letter of XX/XX/XXXX : " We've finished researching your fraud claim regarding online advance totaling {$2000.00} on your account ending in XXXX. Our research shows the advance was made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred. Based on this information, we determined the advance was authorized. We have closed your claim. 
Claims Assistance Center, Online Fraud Claims '' Wells Fargo XXXX XXXX XXXX XXXX XXXX, SD XXXX www.wellsfargo.com XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect posting on an attempt for debt collection! XXXX  debt collector- : XXXX XXXX XXXX  on an invalid debt. CONFIRM CAN BE DONE WITH MYID office of personnel mgmt. Case number XXXX. Experian already purged on cease and desist! Art people like everything else conserving credit and protection A FREEZE. Bars no lender, bank, etc ... .factvper bureaus and other agencies.
Product: Credit reporting or other personal consumer reports

XXXX is reporting negative activity that does not belong to me. Delete from report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm resubmitting this CFPB complaint to express my fury and profound disappointment over the bogus things that were reported on my credit report. The fact that there are multiple items that I did not open or know about and that it is obvious my identity has been stolen is unacceptable. The aforementioned items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX are a blatant violation of my rights and have severely impacted my financial standing. I insist that you launch an investigation right now and erase these false entries from my credit record right away. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to get a written response from you describing the results of your inquiry and the efforts you have taken to correct this situation.
Product: Credit card

I called first progress bank/card on XX/XX/XXXX to see why my card kept declining. I was informed that the bank closed my account and they didn't know why, that I had to call Monday when they open. I called Monday XX/XX/XXXX to be informed that they closed my account out with no reason. First progress informed me that I would receive the funds that was still in my account the following month XX/XX/XXXX. So I waited for the refund, I didn't see it when first progress informed me I would. So I called in XXXX to touch base, they informed me I would receive it at a later date, in total I've called 23 times in the past 3 months to try and rectify the issue with my money that was left in my account when they closed it. First process is highly unprofessional, I was hung on numerous times, rude toward numerous times and lied to numerous times, were now in XX/XX/XXXX and I still haven't received anything. I called this morning XX/XX/XXXX, and now first progress is telling me that I now have to fill out another form and mail it in stating that you haven't received your money that was left in your account
Product: Bank account or service

XXXX XXXX, 2015, USAA Banking Services phoned me to ask if I had authorized an additional credit card to be sent to an undisclosed address in Florida to which I replied no. They responded that they would cancel my existing card and send me a replacement.Upon reviewing my on-line acccount I discovered USAA had already sent the additional card to Florida on XXXX XXXX. I contacted USAA and told them of their mistake and they said they would correct their mistake. On XXXX XXXX they then expressed a second card to their bogus address in Florida, followed by a third card sent on XXXX XXXX. My attempts to discuss their actions over this elapsed period, as of today XXXX XXXX, has been been met with " someone will need to get back to you on this matter ''. No one will discuss my accounts, banking account, credit card theft, or other services. My on-line account reflects XXXX account number ( which I do not have ) and current Billing Statement reflects a different account which I do not have. At the present time I have no USAA credit card.
Product: Vehicle loan or lease

Signed the loan paperwork for new vehicle at Nissan of XXXX on XX/XX/19, was approved for a loan and at 6.9 % APR. While finishing up paperwork employee called me a " breeder ''. On XX/XX/19 dealer asked me to come in a get my copies and plates for car. Got there and was told my original approval was denied and they had to finance me with Nissan. Said I would not leave with car if I didn't sign new loan agreement. I also asked to see the denial letter from the first bank and have yet to receive it. I also asked if I could simply return the vehicle and was told yes but it would be a voluntary repo and would severely effect my credit score. I have asked to speak with their General manager several times and owner with no response. Dealership has not paid off the trade in either after almost a month of the sale/trade in. The finance department has been rude, nasty, and terrible customer service the whole time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are reporting medical bills infringing on HIPAA protection rule, they are also reporting balances on my credit cards even when my credit cards are paid in full every month ( which they are ).

Since I requested for my personal information not to be sold and or distribute to advertisers, my credit score when down from over 800 to below 700. This is an unfair practice and it must be investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$65.00} XXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Owed : {$440.00} XXXX  XXXX XXXXXXXX Balance Owed : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed an Auto Loan with XXXX XXXX for a car. I made payments on the loan until I lost my job due to COVID-19. I contacted XXXX XXXX to discuss alternative payment arrangements such as a deferment, lower my monthly payments or a forbearance considering the circumstances. XXXX XXXX failed to work with me, charged me additional fees and made negative marks on my credit report. 

Under the CARES Act, XXXX XXXX may not report this auto loan as being late if I lost my job and was unable to make my monthly payments as a direct and exclusive result of COVID-19.
Product: Credit reporting or other personal consumer reports

My SSN was used to open a credit card with XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have both agreed to remove 5 inquiries off of my report due to fraud activity after multiple conversations and multiple disputes which were supposed to be actual removers. I 've given them all information needed and also followed their removal process contacting the other companies. I sit on hold for over a hour each time I call, I 'm not sure if they are just telling me they are going to remove them just to get me off the phone quickly or what, but it has been multiple times they have told me these items will be removed and still no result. I put a freeze/ fraud alert on my account and everything. They told me they would be removed but still no results at all. The inquiries were : XXXX XXXX twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX. These inquiries were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID I had to become delinquent on this account and entered into a debt settlement arrangement. According to XXXX XXXX, we have had an active settlement in place with Upgrade since XX/XX/XXXX  where I have paid an agreed upon amount after the account was charged off. They are inaccurately reporting my account as opened still, and hitting my report with late payments falsely. I have tried to reach out to them with no such luck. I have filed reports with the credit bureaus as well and the info has not been removed.
Product: Credit reporting or other personal consumer reports

I have a bank account thats currently still open but reporting on my credit as paid in full and closed
Product: Debt collection

This loan was included in a 2009 bankruptcy under XXXX and now under XXXX they are trying to collect as well as declaring me deceased, which I obviously am not. This loan was not valid as XXXX XXXX was supposed to recall full loan and school not attended due to illness which resulted in subsequent bankruptcy.
Product: Credit reporting or other personal consumer reports

This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO XXXX FORMAT compliance since, per CDIA, DNP XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Bank of America again I have been having problems with Bank of America saying they don't receive my payments in time. I always send them Certified and track when they arrive. The last two months they said they didn't receive my equity payments. Although they cashed the checks for both months. Before that In XXXX they said they didn't receive my Mortgage check they also cashed that and didn't apply it to my accounts. 

This Morning I received a email saying they have not received my XXXX Payments. I sent both payments in a envelope and included the account numbers on both checks. 
I sent this as always certified # XXXX the envelope was received on XX/XX/XXXX XXXX at XXXX XXXX. 
This bank has been playing these games for years. Someone needs to regulate what they are doing. If I didn't send it Certified they would say they never received the payments. 
I was all late charges send back or accredited to my accounts including the two months I paid the Equity loan and they said they didn't receive it.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me.XX/XX/XXXX
Product: Checking or savings account

Around XX/XX/XXXX, someone made multiple attempts to make online purchases using my Chase savings account. Roughly a month later this same individual successfully opened a credit line with a credit limit of {$1600.00} to accounting ending in XXXX. Thief 's identity is unknown but I was able to secure their phone number ; XXXX XXXX XXXX XXXX.
Product: Debt collection

On XXXX XX/XX/2024 CapitolOne called me at XXXX, I notified them that I no longer wanted to receive phone calls and would like all future communication to be through letters. Since then, CapitolOne has called me 22 times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For the past two years I have been dealing with the burden of someone stealing my identity. The persons involved have received credit cards car loans and received personal family or household goods. I have tried to dispute all the accounts some came off and some refuse to be taken off. I've paid credit repair agents and tried to dispute myself with out proper knowledge. Today I the natural person consumer is asserting all lawful action to get remedy for my identity being stolen. XXXX XXXX XXXX has given me the hardest time they have sold my debt or shared it with a third party debt collector. Pursuant 16CFR 433.1-433.3 THE CONTRACT IS FRAUD THERE IS NO CONTRACT CONTAINING MY SIGNATURE. ALL CONTRACTS MUST HAVE TWO SIGNATURES NO COMPANY IS EXEMPT. They never sent validation of the debt pursuant FDCPA 15USC 1692 ( d ). I never contracted, agreed, or arranged any consumer credit transaction. I ask that the account be closed because I had no idea how to dispute the identity theft at the time in XX/XX/XXXX and it was still being actively used and paid in my name. XXXX XXXX then closed account and charge off never sending me anything pertaining to the identity theft I alerted the fraud department. Each month since XXXX they have reported to the CRA 's negatively without the proper notice to opt out. TRANSUNION, XXXX, and XXXX are all apart of the identity theft. I've sent in a driver 's license, passport, social, and pieces of mail to prove identity and valid address. The credit reporting agencies failed to verify the info. They have me listed under XXXX XXXX or XXXX XXXX XXXX and that is not and have never been my name. They have listed I have as SSI Pension I have never worked anywhere long enough to receive a pension. In XX/XX/XXXX I filled and FTC identity theft against XXXX XXXX XXXX. My consumer report says it was open XXXX XXXX making me a minor at the time. Transunion sent me a letter saying that it was verified XX/XX/XXXX. Pursuant 15 USC 1681 a ( e ) all investigated reports must have sources of interviews of family and friends. NO REPORTING AGENCY has provided and investigated report containing such information. The credit reporting agencies are reporting on an alleged debt between me and XXXX XXXX XXXX pursuant 15 USC 1681a. I the natural consumer has the right to privacy pursuant 15USC 1681a ( 4 ). These fraudulent accounts were authorized by SSC the real credit card defined under the Truth In Lending Act and these transactions must be excluded from my consumer report. This infringement has gone on long enough I want the account updated as paid and full and taken off my report.
Product: Vehicle loan or lease

Went into Infiniti of XXXX XXXX on last week to purchase a vehicle from an individual returning the vehicle from being leased. The individual and I agreed on an amount and I had my own financing through my bank for the vehicle however was told by finance manager at the dealership that I must use infiniti in order for them to carry out the transaction because the dealership would not make any money off of us otherwise. However he stated infiniti would not approve me for a loan and so he ran it with other banks which he did not discuss this with me prior to doing because I would have never agreed. However there was a bank approval of a 12 % interest rate which was unacceptable for me being that my bank offered me a 4.3 %. During the appraisal of my current vehicle for trade in purposes the finance manager stated that he noticed there was a card in my car of XXXX offered by another dealership which I stated to him the dealership offered me XXXX so he basically tried to prove that I was lying. However the XXXX was from XXXX in the XXXX was from Nissan. He Basically admits to seeing this car but that is going through my personal belongings because those cards were not out and visible. I sold my vehicle on Friday to XXXX and closed out the loan with my bank so that I could continue with the infiniti transaction which the dealership stated to be there on Saturday at XXXX XXXX to sign for the car and close the deal-Infiniti. They canceled two hours prior and told me we have to wait till Monday after I had sold my vehicle and had no transportation for the weekend. He also stated we would need a letter from my bank because theres been so many fraud cases with out-of-state banks and were not really making any money off this deal so we have to be cautious. That wasnt an issue, yes there probably is lots of fraud going on in regards to that but it was the fact that if he needed a letter from an out of state bank he shouldve just said that and left the part out about the Fraud because then it felt personal. Several things went wrong with this particular dealership
Product: Debt collection

XXXX XXXX has repeatedly claimed I owe a debt of {$850.00} with no proof. I have written and asked for any legal proof and they constantly deny me a response. 



They have hounded me for many years with collection letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already have a complaint because a account is showing on my credit report with Eqifax, Who would not remove the account. It has come to my attention that a hard inquiry was placed on my credit report dated XX/XX/2019 for XXXX XXXX that does not belong to me.The complaint number is XXXX with the CFPB. The name may match up but the last four of my social security will easily clear the matter up.
Product: Debt collection

a rental debt was closed due to michigan law that if there was domestic XXXX youre able to be released early from a lease. my ex went to XXXX XXXX XXXX XXXX  and i was scared for my life to stay there. police and lawyer told me that because of this, id be released. XXXX removed this then during the breach i began receiving letters and phone calls again.
Product: Checking or savings account

I woke up on XX/XX/19 and had a notification from my bank about possible fraud. After looking at my account I was able to confirm that {$140.00} was withdrawn from my account at an ATM in a different state. When I contacted my bank to report the fraud they told me that I couldn't report fraud to them at this time. They asked me to call back and report the fraud after 3 business days. I called 3 times and finally they allowed me to report the fraud immediately after explaining to them my rights under Electronic Fund Transfer Act. BB & T was the bank. They did the same thing to me with a previous fraud and they failed to compensate me within the required time.
Product: Credit reporting or other personal consumer reports

Based on the information you provided, our records indicate your personal information was impacted by this incident. 

For more information, visit the FAQ page.For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX. 

Asked of proof for signed documents there was no proof
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. USAA credit card is not report none on credit report XXXX, XXXX XXXX and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.