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

I like to talk about a company called venmo I had a problem with my account I think it was on this It was on XX/XX/XXXX that the problem was initiated was for {$450.00} it was to a company called XXXX XXXX. This was an unauthorized transaction from somebody breaking into my account. I found out on XX/XX/XXXX that they did not reimburse me I was looking at my account tonight and saw that it wasn't reimbursed so I reopened it and still disputing it I want to know why I was not reimbursed on this I did not authorize this transaction.. 
I'm continually having problems with both this Venmo and XXXX accounts they can't seem to secure my account. I need to do something with this company whether I have to take him to court small claims court or open up some sort of class action suit or something XXXX  both of these companies have been giving me problems from day one. These are the numbers of the transaction. 
XXXX XXXX I think one of those numbers I think the one on the bottom is the one that's actually the transaction ID,..
Product: Debt collection

On XX/XX/2020, I mailed a letter to Portfolio Recovery asking them for proof that they had followed the law as outlined in the FCRA, specifically 1681s-2 ( 7 ) ( a ), pertaining to if they were furnishing negative information to the consumers account that they notified the consumer in writing of that negative reporting. I have never received such a letter from them that would in accordance with that particular law and they have furnished negative information to my credit reports despite my never have engaged with them in any business venture or Portfolio being able to verifiably prove the legitimacy of any such accounts. 
To date there has been no response from them yet. They continue to report on my credit. They have failed to show any proof of being in accordance with this law. They should be required to demonstrate their initial compliance with this law by the CFPB or they should delete the accounts they have listed as having added them in the first place illegally. They are accounts that Portfolio has ceased collection activity on by their own accord.
Product: Debt collection

This company contacted relatives that I did not give their information to. I asked them how did they get that information, they would never tell me. They have been calling and not leaving a voicemail but continuously calling and saying nothing. The woman on the phone said they do n't make the calls but it is automated and they continuously call regardless of time of day.
Product: Vehicle loan or lease

Add a situation back in XXXX to XXXX where I had a XXXX XXXX sonata it was supposed to be renewed tag it was in the same month as my birthday I was pulled over by an XXXX. The day before I had seen my judge he lifted a warrant that was placed on my name for not paying a restitution fee, the story goes deeper and its all a bunch of misconscrewed governmental shagovernmental showcasing around me and my parents lifes. I had had the judge signed the warrant to be lifted he agreed he ended up going on vacation. After my judge left for vacation sigrn the warrant, released me from the courtroom I was driving downtown on a tag that was inspiring the same month it's about 6 days after my birthday The same morning a mom told me to wait towards the end of the month to pay with doing kind of bad financial I'll waited the XXXX I told the XXXX the same thing I told him the warrant was cleared he told me it wasn't just to put me through the situation after reading my background discriminating against me seeing it was a day before XXXX and I'm XXXX also it's also because I realize it's an algorithm against people of XXXX or minority. So I began to notion to the cop to contact my older brother who lived XXXX minutes away from the location to pick up my vehicle but he never did! Another cop was there for eye witness they just want this kind of situation to occur to waist time and another oppotunity to digrace their jobs. So he ended up arresting me repossessed my car after explaining The war was cleared my brother lived right there it was the same month and it was a day before XXXX this discrimination at its finest. XXXX. Down to the decibal. Deficit. Ressession. XXXX. Famine. XXXX is the governs stem. Couldn't find out what my car was being incarcerated is a nightmare After trying to argue your point they just bounced you around from sale to sell whatever hours of whatever night just to be does to be arrogant I was wrongfully arrested now there's a repossession on my credit {$13000.00}. I couldn't find out where my car was at nor have my brother called them he didn't have the information from the cop I want the cops file pulled out of the other cop that was with him file pulled arrested or fired. After being in jail for 45 days I found out that they could only hold my car for 30 days all my belongings we're in there they had to put it for auction it was all against my will I was paying regularly waiting for XXXX and I was approved for XXXX.
Product: Debt collection

I found this company reporting to the credit bureaus that I am in collections on an account. Subsequently, I sent them a letter via certified mail to the address on my credit report same as on the XXXX website but it was returned undeliverable. Thinking this was an error, I re-sent the same letter again double checking the address. Unfortunately, based on me checking the USPS website for delivery confirmation the letter has still not been signed for and appears it is on its way back to me again. It seems that they are rejecting certified mail. It is unfair of them to report things on a persons credit report and then refuse to communicate via mail concerning the debt and how the error can be resolved.
Product: Checking or savings account

On XX/XX/2023, I received both a text and email from Chase confirming if I authorized a charge or not on my debit card. The charge was from XXXX XXXX XXXX for {$120.00}. I have never heard of this business. Not only that, but I also never use my debit card except at the ATM. 

I clicked No and immediately tried logging into my Chase account. My Chase account had been locked, so I called Chase 's fraud department. I was asked to verify my identity and found out there were XXXX charges for the same company for a total of {$340.00}. The XXXX XXXX also went over my account details and found out that an email, phone number, and android device were added to my account that were not mine. An unknown phone number is still on my account with area code in XXXX. I've never even been to XXXX. The phone login from a XXXX device still shows on my account. I've only used Pixel phones for the past several years. Moreover, this business XXXX XXXX XXXX does not even show up on XXXX Maps XXXX 

So, Chase credited my account and then on XX/XX/2023, I received a letter in my Chase account stating that they found the charge to not be fraud and that " We have found that the transaction ( s ) was processed according to the information you provided or was authorized. '' and that they will remove the {$340.00} on or after XX/XX/2023. I don't understand why as even my account shows that there was someone who illegally accessed my account. 

I called them on XX/XX/XXXX after receiving that letter asking to escalate and they said the claim was closed and I had to fax in information that shows this was fraud. They couldn't tell me what information I needed to provide but I faxed them everything I could also on that same day. There has been no new information since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occassion to get an issue resolved with the credit bureaus ( Experian, XXXX and XXXX ) without any success. Today I'm looking at some correspondence I recieved from you in regards to the account -referenced XXXX and XXXX respectively. It's occurring to me that they appear to be the same account. At the same token, whenever I disputed this account with the bureaus, they all respopnded that the account is verified. I contacted XXXX XXXX through an attorney and the account under XXXX and this was removed from my report, however and even more disconcerting is that XXXX is referring to the same account which makes no sense to me. Additionally, after incestigating there's a XXXX account referencing the same account on my Experian credit report. I'm very frustrated and I'm hoping that you can assist me in getting some clarity to this madness. 

Much Appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONSUMER REPORT VIOLATIONS ON XXXX ACCOUNT WITH TRANSUNION ; 3RD ACCOUNT : TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED.
Product: Debt collection

I continue to receive repeated calls to my phone number XXXX from a revolving list of numbers associated with Portfolio Recovery. I returned their call to XXXX on XXXX/XXXX/XXXX and explicitly requested they stop contacting my phone number. I was told they would not stop calling until I identified myself, which I refused to do other than stating I was the owner of phone number XXXX. I have since continued to receive repeated calls from this company ( 12 additional calls that I can find in my phone ) from various numbers all over the country.
Product: Debt collection

This is from ERC, which is trying to collect from an old XXXX account. I stopped service with them because I could NOT get any service in my new office whatsoever at the time. This was in 2011. This was 10 years ago! The person who called me about this debt told me that I still owed it, even though it was from 10 years ago. At this point, cell phone carriers don't even make you do a contract. I had to cancel this contract because I could not use the service. The who called me about this said the debt is not on my credit, but that I still owed. I don't see how this can be true? I want them to stop trying to collect from me. 
Basically, trying to collect on a debt that is over 7 years old does not seem legal.
Product: Credit reporting

I have a foreclosure on my Experian credit file with XXXX. The last activity date was in 2006 which puts this item THREE YEARS outside the federal obsolescence date. I disputed this item and it remains on my file. Federal law ( FCRA section 605 ( a ) ( 4 ) indicates that items that " Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years '' can not remain on my file. This is a violation of federal law. 

The account number of this item is XXXX
Product: Credit card

Macys credit card, decreased in credit line after approval and payments were met. Macy 's credit Denial to disclose any information of decreased yet keeps hitting my credit for denial. Causing my utilization rate to become higher than what I was qualified for. Also not given the points in which I earned. 
I requested information regarding my credit decreased and was denied. 
I Call multiple times for assistance and was still denied any reference number and refuse to open the case on my behalf. 
I would like to put out a grievance on Macy 's credit card for fraud waste and abuse on this company, and requested to have card close in any of my personal information sent to me as requested.
Product: Credit card

So on XX/XX/XXXX I was to have my package delivered it wasnt after trying to talk to the merchant for week they said stop calling and we aint gon na take your calls anymore so I contacted the card company, gave them screenshots of order and info that XXXX wasnt helping even a lost package report from XXXX then they dispute {$1100.00} then sent letter and even on call told me it was closed and no need to worry they did the credit then two month later they drop the charge on my account again so I just redid the dispute and they told me today it closed and they gave the credit just like the last time and I dont wan na be used again so if you guys can help they keep telling me it is closed just to reopen it later
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete these hard inquiries on my credit report I did not try to open these accounts and it is negatively affecting my credit score thank you for your time and consideration. 

Wells Fargo Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian 's failure to correct facially false, misleading info for XXXX, despite multiple disputes, violates FCRA . Demand immediate deletion due to ongoing financial and health impacts, and emotional distress.
Product: Debt collection

I have told title max repeatedly that I am not being paid my paycheck on time due to having to wait for the government to sign off on our commission. I work for XXXX..and yet they have still been calling XXXX and sometimes XXXX times a day filling my voicemail box.
Product: Debt collection

NAVY Federal sent me a collections of XXXX. They stated this was a loan that my decessed husband took out. They took XXXX money that I transfer from my IRA into my savings account for this debt. They also took a {$1.00} to start collections. I was not aware this account existed. I did not authorize this.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a transfer for {$1000.00} from my Robinhood account to my checking account at XXXX. I mistakenly chose the wrong checking account to transfer the funds to. The account I accidentally selected has been closed since XX/XX/XXXX. 

I waited several days for the transfer to be reversed and show in my Robinhood account, but it never did. I reached out to Robinhood and they claimed the transfer is complete. They directed me to go to XXXX and get information about the missing funds. 

First Robinhood asked for documentation that the account is closed. I brought them the last statement from the account that shows the account was charged off by XXXX ( XX/XX/XXXX ). Robinhood still claimed the transfer is complete and asked for more information from XXXX Bank. I provided them a document from XXXX showing the transfer was indeed reversed the day after it was initiated, XX/XX/XXXX. 

Robinhood still claimed the transfer was somehow completed. They then asked for the trace ID #, which was already on the document I had provided them. I provided that information again and they still claim they can not find the funds and insist that the money was transferred to XXXX. I have been to XXXX multiple times, and they have provided detailed information and documents showing that the transfer was returned to Robinhood.

I have reached out to Robinhood numerous times but they have done nothing to correct the issue and provided no more detail other than saying the transfer is complete on their end and claim there is nothing possible for them to do, despite the proof from XXXX that the funds were returned to Robinhood.
Product: Credit card

I purchased a cell phone from XXXX I did not get a cell phone I received a replacement glass for a cell phone the nasty as XXXX rep from direct Express told me my dispute would be denied sure enough I did not even get the written statements sent in and I receive a denial letter direct Express employees need to be fired they are stupid and nasty also I receive a denial letter with no name on it XXXX the most recent dispute that was denied XXXX fire the stupid nasty direct Express XXXX employees
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries on my credit reports. 


Accounts 1. Dept Of Education/XXXX  {$3500.00} 2. Dept Of EducationXXXX {$2100.00} Inquiries 1. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was deposited into my account unauthorized. It was reversed from my account per the bank representative and claims specialist. I waited 15 days to confirm if the money had been received they indicated to me they have not received a return payment from the bank. They asked for information from the bank showing proof it was returned. I called wellsfargo asking for a reference #, a transaction receipt, & or something tracking that the payment was returned. Wellsfargo denied giving me information to show proof the money was rejected & sent back to the payors. They have stolen {$1400.00} along with several other double charges on my account. Claim XXXX
Product: Debt collection

Rude agent refused to send an initial demand letter. She lied and said she sent three letters and I never received any of them. I have been at my address for XXXX years.
Product: Debt collection

On XXXX XXXX I received a notification from XXXX that a collection was added to my file. Upon review, Phoenix Financial Services placed a {$58.00} collection on my credit Bureau. I have no idea what this debt is for and it does NOT belong to me. This is the second time this company has done this. I have never received any notification by mail or phone. I have stellar credit and have never been late or have any debts unpaid. 

This company is in violation of so many laws and I am going to contact the attorney general of my state as well to inform them of the deceptive acts by this company.
Product: Credit reporting or other personal consumer reports

{$800.00} balance for XXXX XXXX dated XX/XX/2023. 

I have never had XXXX ever. 
I disputed with credit karma and TransUnion, and they say the information reported is correct but that is impossible I have never had XXXX. I asked for proof, and they did not give proof I only wanted to see what they were given that served as enough proof to keep a fraudulent account on my credit report. Please help with this They won't give me any information to use for the court shall the need come. This is the third time I disputed with XXXX XXXX and once with Trans Union.
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. 

XXXX : # XXXX XXXXXXXX XXXX # 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 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My mortgage was sold from XXXX to XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX and XXXX XXXX failed to honor the original terms of the mortgage. When my loan was with XXXX, it was covered with SCRA credit reporting suppression ; however, XXXX XXXX failed to honor this coverage and disregarded my original coverage. I am XXXX XXXX XXXX XXXX and XXXX XXXX ( moved from XXXX to XXXX ) and during the COVID they still reported late payments to the credit bureaus, even though i notified them in XX/XX/XXXX that i was selling the home and asked for the COVID forbearance. However, the main issue is that my mortgage was protected from credit bureau reporting per my XXXX SCRA assistance.
Product: Credit reporting or other personal consumer reports

XXXX  XX/XX/2024 two new accounts appeared on my consumer report that I do not recognize and Im not liable for. There was previously a fraud alert active on my account from previous identity theft. No account should be open under my good name. Please remove fraudulent accounts by XXXX. Place fraud alert on my account if one does not exist already. Thank you for your time in this matter is of extreme attention to me.
Product: Bank account or service

I have been with Chase Bank for little over a year and even though I have checks that have cleared, they hold the checks to verify for another XXXX to two days and during that time I am either purchasing items for my company. By the time the check clears I have sometimes anywhere from XXXX to XXXX NSF fees. Each fee is {$34.00} and when I contact Customer Service they check with a computer to see if they can deduct the fees off my account. Every time I never get ANY FEES deducted and they say they can only do it ONCE A YEAR. Most of my purchases are small, the most recent one was gas for {$14.00}, tack on {$34.00} and I have paid {$48.00} for {$14.00} worth of gas even though I have money showing in my account. This particular set of XXXX NSF Fees, XXXX is for {$14.00}, the XXXX XXXX is {$33.00} and the third one was for {$240.00}. Even though my account shows over {$4900.00} in my account I was still assessed the fees since the bank stated they had NOT verified my check until XXXX XXXX, 2016. By the way, my check was verified on XXXX XXXX, 2016. So how could I receive NSF Fees when my check was verified on the same day? I had another instance where I put CASH in the bank earlier in the month at XXXX and the Customer Service guy said the cut off time was XXXX for the money to reflect on my account, so over XXXX minutes my CASH was not in my account and I received XXXX NSF XXXX and the Customer Service guy told me the Chase Computer would NOT be able to deduct my fees. I have had {$200.00} in fees in the last month over ridicoulous reasoning from a computer system, therefore I am asking for my {$200.00} at least be put back in my account immediately!
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from Citibank in regards to my secured credit card account. The letter basically stated that my secured credit account still needs a XXXX XXXX Account attached, in order to remain open/to be renewed. I called CitiBank multiple times in regards to why this requirement was still needed for my credit card account, but no one has given an answer. 

When this account was opened in XXXX of XXXX, multiple representatives of Citibank told me that if I managed my card properly and made on-time payments, my card would graduate to a regular/standard credit card that did not need collateral. Being that I've never missed a payment on my account, I've always paid the balance off in full every month and the card is in good standing, I don't understand why the card did not graduate into being a regular card instead of still being required to have the collateral account for another 12 months. On XX/XX/XXXX, I asked multiple representatives why this happened and no one gave me an answer, 1 representative disconnected the call, while another representative told me that they didn't know why, but someone would possibly give me an answer within 7 to 10 business days. Citibank isn't honoring what they said they would do and they need to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts reporting on my consumer report. I have sent a notorized FTC report and valid driver 's license to Experian, XXXX, and XXXX.