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

I received a text message at XXXX XXXX. on XX/XX/20. I was working so I did not open it until XXXX XXXX. I see it says transfers completed. I immediately log into my chime app because I had not made any transfers! I go and see they drained my account through their transfer method they use pay my friends I have never ever used that and it was transferred to a XXXX XXXX The first one was {$240.00} and the other was {$50.00}. They left me with {$.00} I find it very odd they knew exactly how much was in my account and what to take out. I called them immediately and they basically told me they cant do anything. They took my money ... had it transferred through there app.. and they cant close this other person who banks with chimes account and get me MY money back. I am so upset.
Product: Credit card or prepaid card

I had received an IKEA credit card, through Comenity Bank at the end of last year or beginning of this. After using it a couple of months it was blocked and I could not use it anymore. No phone call and no explanation whatsoever. A couple of months later I received a letter from them telling me there are some security issues with both my IKEA card and XXXX XXXX ( also of course issued through Comenity bank ) in which they requested me to send a copy of my driver 's licens, SS card, and a utility statement. I called them and spoke with someone in Fraudulent department ( something like that ) and told the person I spoke with that I don't feel comfortable sending them that information either through mail or email and that I rather close the accounts. She said they could not close them due to the security issue. 

I called a few weeks later again, around XX/XX/22, to inquire about the situation. I asked them again to close the accounts and to send the over {$800.00} that I have in credit at the IKEA card Again they said they could not send me the money or close the account due to the security issue. 

When I spoke with them again I told them I'd file complaints about them. A couple of hours later I got a phone message from " XXXX at Comenity Bank '' who told me my issue came across his desk and that he was going to try to get me my money. It's 10 days ago and I have still not seen the money or heard anything about closure of my accounts. 

Also, whenever I ask about the security issue, they are not able to tell me exactly what kind of security issue. Usually when a credit card bank have security issues, they will have me call them and verify I, the owner of the card, is purchasing a particular item. Or they will call me. Or text or email me. But never ever have I had a bank block two of my credit cards " due to security issues '' they can not explain. 

I haven't done anything wrong. I have paid my bill on time and never reached over the limit. On the other hand, I think the reason for blocking my account is because I overused it to take advantage of the 5 % rebate we got for using the IKEA credit card and buying a kitchen. I got a few XXXX dollars back and I paid off the card right away. I don't think they liked that. I even think they blocked the set of gift cards I received since I was not able to use them. 

I'm getting the runaround and can not either close my cards or get my money.
Product: Debt collection

FBCS Consumer contact solutions, a debt collection company in Pennsylvania at XXXX XXXX XXXX XXXX, XXXX XXXX, in XXXX, PA XXXX sent me a letter about an old medical debt from 2012 ( I live in Ohio, so the statue of limitations, per my understanding, for medical debt in my state is 6 years ). I disputed this debt way back then, as per my insurance at the time I should not have had to pay anything. Suddenly, 8 years later I receive this collection notice. The acct # is XXXX and the original creditor was XXXX XXXX XXXX XXXX, and that original acct # is XXXX for the amount of {$620.00} ( which is an incorrect amount, as the amount they originally tried to charge me for was {$500.00} something, which I disputed almost a decade ago ). I just want to make sure this company FBCS doesn't attempt to ding my credit score ( which, per my understanding, they can not do on a debt this old ), or illegally attempt to take me to court ( which would result in them violating Ohio collection laws, per the statue of limitations on these kinds of debts, and most likely result in a counter lawsuit for punitive damages ). I've gone through the CFPB before on things like this, and the CFPB can usually nip these things in the bud before they escalate. I also sent a request to FBCS disputing this and requested an itemized statement, which they failed to provide. Thank you!
Product: Debt collection

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavourable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX, XXXX and XXXX. Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

recently discovered that an account was added to my credit report without my authorization. Under 15 U.S.C. 1681b ( FCRA Section 604 ), consumer reporting agencies may only furnish credit information for specific permissible purposes. 

I did not authorize the following account, nor do I find any legally valid permissible purpose that justifies its presence on my credit report : Account Name : XXXX XXXX  Account Number : XXXX I disputed this with TRANSUNION, requesting verification of the permissible purpose under the Fair Credit Reporting Act ( FCRA ). However, I have not received proper validation, and the account remains on my report. 

This unauthorized reporting violates 15 U.S.C. 1681b, which restricts credit reporting to specific legal circumstances. If no valid permissible purpose exists, the account must be immediately removed to comply with federal law.
Product: Debt collection

Ive submitted multiple disputes to XXXX  ( account # XXXX ) to have my account deleted as a result of identity theft but I am still receiving emails as of XX/XX/2022 in attempt to collect a debt not owed. I have email confirmation from the original creditor, affirm inc., that these charges were a result of identity theft. I also made a police report and have been in contact with an investigator. I would appreciate if my XXXX  account were to be closed immediately and the collection attempts were to be stopped.
Product: Prepaid card

received a XXXX $ amex egift card from work, msm technology. unable to add to XXXX funds, paypal, use on any website i've tried/wanted. unable to use in store because it's not physical. have spoken to their 'help center ' 4 times now.. only to get told 'try again in a week. ' called asking for a cheque, was hold to 'call later ' or 'call back ' because we can't do that currently. i've been hung up on as well after the person has acknowledged my voice/name and refuses to talk. i'm overly cordial on calls and it feels like i'm being abused. 

the card has no outstanding holding or wait on it. it's just sitting there, unable to be used, and flat out feels like a scam. it had previous XXXX XXXX holds for trying to add it to their funds and failing ( big surprise ). this is happening to numerous coworkers as well. i have checked the website and it claims the funds are in full and able to be used. this happened a few years ago and they sent a cheque via mail, in 2020? ( different address ) i believe. these cards are a literal scam. never had an issue with visa. 


i am requesting a cheque be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX or XXXX, i'd take XXXX. 
XXXX thanks for your time, consideration, and assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) acopy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX, XXXX XXXX XXXX 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 Balance : {$82.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00}
Product: Checking or savings account

I tried to do a XXXX transfer from one account to the other. Navy Federal put my money on hold. Didnt call to say anything to us. When I called had me on hold 3 consecutive times for 15 minutes, l spoke to 2 different attendants I will not disclose there names here, gave a short explanation and said we have to fill a form out then submit it to get my money. I tried to view my account and I was locked out of it. So at this point I cant see my account information. Then was told by a second attendant that I have to wait 2/3 business days for my money. Which I verified and asked for the hold to be removed. At this point I am XXXX XXXX. I told her no I am not waiting 3 days for my money I need it to be released now. This unprofessional inhuman being hangs up the phone. It is distasteful and upsetting to see what you have to go through to use your own money as you please. I will not be moving forward with navy federal because if I have to go through this type of behavior when I have to spend my money its unfair, secondly I can understand protocol to follow with transactions sometimes that may be to verify for security reasons but not when I verified I still have to wait 3 business days are you kidding me, for my money.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX. XXXX, XXXX  ( XXXX XXXX XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX  {$110.00} Closed No Info
Product: Checking or savings account

I was called by a XXXX XXXX XXXX bank phone number ( XXXX ) stating my account had fraudulent activity through XXXX. They gave me a reference, name of who the money was sent to, and amounts. XXXX cancellation codes : XXXX {$490.00} to XXXX XXXX XXXX {$1000.00} to XXXX XXXX I DID not make those XXXX transfers so the Bank transferred me to the " XXXX XXXX XXXX XXXX ''. This is where they continued to have me make transactions through XXXX and send money through my debit account from XXXX and XXXX money XXXX so they could " verify '' it was me. The " XXXX '' employee from the fraud dept sent me XXXX different barcodes to have scanned when at XXXX to send the money so I have no idea who it was sent to. The Western Union in XXXX was sent to XXXX XXXX XXXX, in the XXXX XXXX. XXXX {$29000.00}, totaling {$3000.00}. Not XXXX question was asked by Western Union or XXXX when making the money transfer, which is against their policy as well. The phone number texting me all of this information with barcodes and XXXX 's info is ( XXXX ) XXXX. I have receipts from all three of these transactions. XXXX bank refunded and " approved '' the fraudulent XXXX and XXXX XXXX transactions and this XXXX ( Western Union ) transaction was part of the same fraud scheme, so I feel Western Union bank needs to refund me the money as well! Please help! 

I also have a police report : case # XXXX
Product: Checking or savings account

On XX/XX/XXXX I was notified of a over drawn Wells Fargo checking account in my name Wells Fargo has a pending fraud case on it. However upon suggestions from collections I was told it looks better if it got paid off so I paid it even though it wasnt my doing at all. The account from XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Transunion to let them know they are reporting incorrect personal information on my report including incorrect addresses, incorrect debts and social security numbers. 
I have asked them to provide me with the following : Any contract or agreement with the original health care provider that grants the authority to report on this alleged debt you must be in compliance with subtitle D of the ARRA, SEC. 13401. Application of security provisions and penalties to business associated of covered entities ; and SEC. 13407 ( 1 ) Breach of security and the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/2009. Under the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) your company will face liabilities if they do not : Provide accurate information Prohibition Prevent reporting information with actual knowledge of errors. 



I demanded them send me the following documents : 1. Copies of any agreement with my wet ink signature and a copy of any HIPAA authorization form. 
2. A copy of the contract between the collection company, credit bureau and the original creditor with authorization to legally collect and report on this debt.

I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). They are required under the above named titled and section, to show lawful authority to report and collect on an alleged debt claim ; I requested the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide the license to collect and report in my state and registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions.
Product: Vehicle loan or lease

I went to the dealer, looking for a car ; I explained to the salesperson I was not working ; I just got a job, and he explained nothing to worry about. I was in the middle of a separation, and my vulnerable state made me believe in the right chooice. I never have the contract agreement or XXXX pages attached to this letter. I gave my XXXX savings when I found out the price was overcharge fees I disagreed with were added to the contract. I reached the dealer and claimed there was nothing he could do SINCE I could not understand why they gave me a loan when I barely could make money. I called GM last week, and the agent claimed GM couldn't release the credit application, which I believed was fabricated, for the sales since they never asked me for my tax or income records.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Chase Bank for mishandling my dispute and against Defined Rentals for fraudulent and negligent actions related to a rental transaction that I paid for in full. 

Background Information : On XX/XX/year>, I made a payment through my Chase account for a rental period with Defined Rentals, which was from XX/XX/year>, to XX/XX/year>. The payment was made in full for this rental period, as confirmed by the invoices I received directly from Defined Rentals via XXXX. 

However, the merchant ( Defined Rentals ) is falsely claiming that my payment was intended for a rental period from XX/XX/XXXX through XX/XX/XXXX, which is incorrect. I have provided evidence to both Chase and XXXX that clearly shows the correct rental period was from XX/XX/XXXX to XX/XX/XXXX. 

Key Issues : XXXX. Fraudulent Practices by Defined Rentals : Defined Rentals initially engaged with me via the XXXX platform but then directed me to book directly through her private rental business, violating Turos Terms and Conditions. 
The owner failed to provide any formal rental agreement or terms and conditions beyond basic text messages. 
The vehicle was rightfully repossessed due to the owners financial negligence and overdue car payments. However, the tow company mistakenly towed my personal vehicle instead of the rental vehicle. This error was quickly realized, and my vehicle was returned to me within minutes of the mistake. 
2. False Claims by Defined Rentals : After the repossession, the owner falsely claimed that I had smoked in the vehicle, despite having no legal right to search my personal belongings. No evidence of smoking was found, and the tow company ( XXXX ) confirmed the vehicle showed no signs of damage. 
XXXX. Chase Banks Failure to Resolve the Dispute : Despite submitting clear evidence of the payments correct rental period ( XX/XX/XXXX - XX/XX/XXXX ), Chase Bank communicated with me that the merchant incorrectly stated my payment on XX/XX/XXXX was for a rental period from XX/XX/XXXX - XX/XX/XXXX. 
It is important to note that the invoices from Defined Rentals consistently show the payment date, the amount paid, and the exact service date, which clarifies the rental period. The service date field on the invoices updates each week, reflecting the rental periods end date. 
While there are notes referencing an extension during the week of XXXX XXXX, this extension is not relevant to the actual rental period or the payment I made on XX/XX/XXXX. The updated notes do not determine the rental week or contradict the clear service date that appears on the invoices. 
I have provided several invoices from XXXX through XXXX to show the consistency of the rental periods, and the payment was clearly for the rental period from XX/XX/XXXX to XX/XX/XXXX, XXXX you for your assistance.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and through a person who stole my identity, XXXX XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX
Product: Mortgage

The pass XXXX years we have been dealing with the Lies we have been getting from Ocwen Loan Servicing, we Know are Bill of rights have been continually been violated! we have been sent a Loan Modifcation documents in the mail, and given instructions how to proceed with them .Then when we have filled out and faxed these loan doccuments as requested, Then when you are working whith them! Then Foreclosuer Action happen! So we never got a notice just at the the time we wher calling Ocwen tell us about sale date ,XX/XX/2015if you can please Help us? 
Thank you in advance, XXXX and XXXX XXXX XXXX, XXXXTo : Ocwen Loan ServicingFrom : XXXX and XXXX XXXXRe : Modification Loan Documents* * * * * * * * * * * * *Dear Sir or Madam : The attached documents are being sent via regular and certified mail to insure receipt of these vital documents. 
We feel our legal rights have continually been violated. We have been sent Loan Modification documents in the mail, and given instructions how to proceed with them. Then when we have filled out and faxed these loan documents as requested, and they are strangely not received. Then, while you are working with us to procure our modification, foreclosure action is being taken against us at the same time while in the middle of this loan modification process. This is highly unfair in reference to real estate law bill of rights. 
Please be assured that we would like to be given the opportunity to continue in the Modification process. We feel we can be successful in fulfilling a new loan contract. Please review our documents and allow XXXX days to complete without the threat of losing our home, according to the Stimulus Program that President Obama brought forward to save our home. 
Please give us your consideration, and we look forward to hearing from you as soon as possible since this is now time sensitive. 
Thank you in advance, XXXX and XXXX XXXXOriginal Sent Via CERTIFIED MAIL
Product: Debt collection

I happened to look over my credit report, and received a report from each credit bureaus stating I owe PenFed. Acct # XXXX. It states the account was charge off, but I never received a 1099c from PenFed. I been trying to get a XXXX099c from them to insure the account they accusing me of is charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.