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

I followed the account on XXXX called " nollieflipskatecompany ''. They have over XXXX followers so I believed that they were legit. I entered a drawing to win the chance to purchase a pair of shoes through them. This is a common practice now on social media. I received a direct message from them stating that I won the chance to purchase a pair of shoes. I ended up purchasing XXXX pairs of shoes over XXXX for XXXX each, XXXX total. They stated they would send me an email confirmation and I never received XXXX. I reached out via XXXX and then they blocked me. So I called the number that I sent the XXXX payment to and he quickly said he would send me the email confirmation and hung up. I still never received XXXX. So I called him back today and he hung up on me and blocked me. Therefore I believe I have been scammed and will never receive the shoes that I believed I was purchasing. The man 's name is " XXXX '' and his number is XXXX. " nollieflipskatecompany '' also has a phone number listed as XXXX on XXXX and an address listed as XXXX XXXX XXXX, XXXX XXXX. I have attached screen shots of the messaging that occurred on XXXX. XXXX won't refund my money since I sent it via XXXX XXXX I filed a police report XXXX and they confirmed it was a scam. I attempted to contact the recipient and they blocked my messages and phone number.
Product: Debt collection

I monitor my credit between 2 companies. One is XXXX and the other is XXXX XXXX. I got an alert on my credit about a judgement from Credit Control. My insurance normally pays all my insurance bills. In the process, I went to the courts in my area to see did I receive a summons or judgement against me. None of the courts in my area have any judgements against at ALL. So I'm wondering how I could have a judgement placed against me without my knowledge or a chance to fight it or pay it. I don't want any judgements on my credit. I want this deleted or I will contact an attorney and sue.
Product: Student loan

Navient has documented high balances and interest charges in which I am unaware of. The balance of my student loans are very high and seem too much for which my schooling cost. I am requesting someone to take a look at my account and help me to get this issue resolved.
Product: Credit card or prepaid card

A payment in amount of {$2.00} was made on XX/XX/XXXX, did not show in pending payments, a duplicate payment was then made on XX/XX/XXXX, both of which posted to XXXX account ending in XXXX, bringing the account to a credit balance of {$2.00}. For whatever reason, possibly due to technical issue, initial payment did not show as posted or pending, hence duplicate payment made which now brings account to a credit balance of {$2.00}. I request check mailed to me for this amount.
Product: Mortgage

My file was never sent to Underwriting and the lender made and requested to amended my ( Home Insurance ) and positioned themselves as the lien holder even though my file was never sent to underwriting.

I applied for a VA IRRL Streamline and decision after 45 days of my file being submitted and application completed an email was sent that I had late fees assessed and that was why my file was not submitted to underwriting.
Product: Debt collection

On XX/XX/XXXX I attempted to close my XXXX XXXX XXXX  account due to XXXX XXXX orders. I was told by an XXXX technician/rep that if I received orders at any point then I would be waived of ALL fees. Ive had services since XXXX, I would have cancelled services years ago, however, I would have been charged, so I waited for my next assignment and orders to reap the benefits. Suddenly, the time came and I proceeded to ensure that I would be waived of ALL fees, again I was reassured so I cancelled services during a stressful time of XXXX  relocation. ( If I knew I would have been charged I would have NEVER cancelled during this time ). I was charged {$1100.00} soon after cancelling. I spoke with countless representatives, often times I would be on hold for over an hour and I also e-mailed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX when XXXX never responded again. I continued to argue I should not be held accountable for being mislead by XXXX  technician. I was not made aware of this. I did not authorize this. Im XXXX XXXX and relocate often. I did NOT agree to this. I was told being XXXX XXXX all fees would be % 100 waived. What do I do moving forward? I cant relocate across the country with {$1100.00} garnished from my check. I would have NEVER cancelled service during this time if I knew this. This isnt ethical, its not fair and mistreatment of service members. Fraud, waste and abuse is being conducted by XXXX technicians across the country to make sales. There has to be a way to waive this fee. I shouldnt be held accountable for the misleading sale tactics presented to me., however, nothing was done about it. I brought this issue to my bank and disputed with them on or around XX/XX/XXXX. Finally, on XX/XX/XXXX my bank followed up with the results and concluded my claim/dispute was valid. Now in XXXX, XXXX is sending me mail stating they will send me to collections. I would like to report this issue and end the harassment followed by this company. Please assist! Im currently going through a clearance upgrade and can not afford to be sent to collections by XXXX. Please advise. Thank you so much! Very respectfully, XXXX XXXX
Product: Debt collection

I was opened an XXXX XXXX XXXX XXXX XXXX. 

Card was sponsored by Synchrony Bank : Address : XXXX XXXX. XXXX, FL XXXX I have made one purchase on that XXXX Card in the amount of {$36.00} on XXXX XXXX, XXXX. The Only 1st and last Purchase I have ever done on that card. 

I made full payment on the exact amount on XXXX/XXXX/XXXX with XXXX because they said, they have't received the check i mailed to them. XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, I called back XXXX and they have confirmed they have received the money and no balance or charges in the account. Since, they no transaction made on this card by me or other parties. 

XXXX XXXX, I found a collection account opened by XXXX XXXX XXXX They reference purchasing this account from Synchrony Banck. 

At the end of XXXX XXXX, I have contacted XXXX Card Department, but they told me the account was sold to XXXX. 

I only Made one transaction on that account and it was {$36.00} which I paid in full. 

They did n't had good answer so, they told me contact XXXX XXXX XXXX which is A collection agency who put this on my credit history. 

on XXXX XXXX, XXXX, I wrote a letter to _ XXXX XXXX Synchrony Bank and XXXX XXXX, On XXXX XXXX, I received letter from Synchrony Bank Stating this account / matter relating was sold to XXXX XXXX XXXX, on XXXX/XXXX/XXXX I have not heard from XXXX XXXX XXXX - now the account balance on record is {$180.00}
Product: Money transfer, virtual currency, or money service

XXXX received fraud alert text message from CHASE asking about using an XXXX to get groceries {$360.00} ( all text messages were saved and shown at Bank on XXXX ) - I declined the amount and then it stated a rep from chase will call about it. They instructed me to remove the money from the account and to place on a digital google wallet card and open a new account because the original was compromised. XXXX and XXXX labeled from Texas were the phone numbers given to call and speak with someone about reporting this to the fraud department. After pulling the actual money from the checking and savings accounts for a total of {$7400.00}. After placing the money in the ATM - I also did not receive a text message about the deposit. They also stated that they would send a follow up email- which again never came. I attempted to open the card # they gave me in XXXX wallet XXXX exp XX/XX/year> and XXXX XXXX when I got to the verification screen it did not show my number- just the number to the bank. I called CHASE and explained what happened- all they said was they could do nothing because physical money was removed from the bank - they could not see any text messages I had received so they could do nothing. I went to my local branch in XXXX XXXX and explained again - the kind banker showed me that there was no text messages ( even though my text messages were identical to the new ones I had received ) and could not see anything but the withdrawal. We closed that checking account - opened a new one. The CHASE fraud team would not even take a report about the situation - I filed an online police report with XXXX XXXX ( will be attached ).
Product: Credit reporting or other personal consumer reports

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

1 XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX ) Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I received dispute results on XX/XX/2024 from XXXX stating that we verified that this item belongs to you for The Bureaus ( XXXX ) and XXXX XXXX XXXX  ( XXXX ). For all XXXX CRAs, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is a violation of 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt bearing my signature in wet ink, method of verification, as well as proof of your authority in this matter. Otherwise delete this information from my credit report immediately. 

On my XXXX report, XXXX XXXX XXXX ( XXXX ) is showing on my report as a collection account, late 120 days, with a past due balance of {$820.00}. I see several violations including : 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports, 15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information, 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy, and US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XX/XX/2019 This is not mine.
Product: Debt collection

My information was exposed in the data breach. Late payments showing on my credit report. I want removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, but how is that possible when they didn't do a proper investigation. This is grounds for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy 15.U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I did not give anybody written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed XXXX to illegally obtain a hard pull on my credit profile without my consent or permission.This unauthorized inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, the affiant, submit this affidavit with clean hands as the living woman to address unauthorized actions by this credit reporting agency, known as XXXX, XXXX, XXXX and other third party companies. 

This affidavit addresses serious issues, including character defamation and identity theft, as defined in 16 CFR 603, which prohibits the use of another person 's identification without authority.

In relation to the permissible purposes of consumer reports under FCRA 604 ( a ) ( 15 USC 1681b ), it is asserted that there was no written consent from me, the consumer, for this consumer reporting agency to furnish and house my information without lawful authority. While 15 USC 6802 may suggest exclusions, it also states that the consumer reporting agency is in accordance with the Fair Credit Reporting Act.

According to 15 USC 1681a ( 2 ), transactions between the consumer and the person making the report are supposed to be excluded from my consumer report. These rules of construction govern the terms, emphasizing that such actions must not appear on my report without proper authorization. 

With this in mind, if you assert that I received goods or services in exchange for any of these unauthorized transactions reported on my consumer report, you must provide a signed and notarized affidavit from a party within your corporation who is authorized to do so and possesses firsthand knowledge of these transactions.

I demand the following actions to protect my reputation as the consumer : 1. Delete all risk factors immediately to safeguard my reputation.

2. Remove all inquiries permanently from my credit report.

3. Remove any fraud alert once all matters have been resolved.

4. Eliminate any delinquencies immediately.

5. Restore or delete any late payments from my credit history. 

The presence of multiple installment and revolving accounts with delinquent or derogatory statuses, along with insufficient credit history, negatively impacts the consumer 's credibility and perceived financial reliability, potentially limiting their access to loans, credit, or housing, while also representing private matters that should not be publicly disclosed. 

The principle that is it a fault to meddle with what does not belong to or does not concern you underscores the gravity of these violations. My rights have been compromised, and I hereby demand the blocking of associated information pursuant to FCRA 605 ( b ) ( 15 USC 1681c-2 ). My request to block is made in good faith and is not based on any misrepresentation of facts. My nonpublic personal information has been unlawfully disclosed, resulting in defamation and emotional distress, which have hindered my pursuit of happiness.

Furthermore, I will not accept a wrong without remedy. Should these matters not be resolved promptly, I will pursue civil action under 12 CFR 229.21 ( Civil Liability ) and 15 USC 1681n for each instance of non-compliance. 

I affirm that all statements herein are true and correct, and I have attached a list of accounts opened due to identity theft.
Product: Credit reporting or other personal consumer reports

My credit was used in a data breach as fraudulent charges and names and addresses that are incorrect
Product: Checking or savings account

XX/XX/2025 is the date of today it is approximately XXXXXXXX XXXX my name is XXXX XXXX I have an online banking account with chime that I paid for the past year I get direct deposited in it every 2 weeks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  and tonight while I was at work I decided to go look at my transactions because it suggested that you do that every so often to make sure that nothing is deducted that shouldn't be well XXXX and behold there is XXXX transactions that I did not authorize that come to us some total of {$790.00} over the accumulation of a span of the past few months I call customer service three times the first two times I was treated rudely they didn't answer my questions they didn't explain and everything that they said that it could have been I scratched out because it was not logical and mathematically it did not add up not only did they say that I'm just one in a million customers and not only did I ask to speak to the CEO XXXX XXXX and was informed that I could not speak with him that that is why he hired the person that I was speaking with who was quite rude to me I've never in my entire life being so humiliated I have never in my life been on hold so long only that I've been lied to I have been humiliating I have been made to believe that I am no one to the company even though I express to him that just like in America every vote matters just like I matter in time company cuz if it weren't for customers like me the company wouldn't exist but I struggle from paycheck to paycheck and I don't understand why this company would find the need to steal from somebody as as they would say nobody why do they want to take nobody 's money don't they make millions a day so not only would I like my {$790.00} compensated I would like time and suffering paid and humiliation because you can go back to my recordings of me speaking to these Representatives and the lack of manners that they display to me was unethical not once that I cuss them or was rude to them I simply just wanted some explanations but I wasn't given any so I hope you take the time to read my entire description and if you need more information I did screenshot all my banking information before they could delete or change your anything I have the date the time stamp the deductions I have it all I hope you have a blessed day God bless you all and I hope to hear from you soon.
Product: Mortgage

For the past 2 years I have tried to submit a mortgage workout package with my current mortgage company and has been a hassle as they always claim that my documents are incomplete. I have submitted a complete package again on XX/XX/2019 and I was advised by the rep that its assigned to my loan that it was a waste of time that would not be reviewed. 


I don't know where to go now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wi the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX account number 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 an account without my written instructions
Product: Checking or savings account

BANK OF AMERICA closed my account without providing any good reason. They didn't provide the date when they will release the fund. This decision will affect any future products should I need to apply later. 

The Code of banking practice requires banks to act fairly, reasonably and in good faith. Since they didn't provide any good reason, I suspect I didn't get treated fairly
Product: Debt collection

Midland Credit Management continues to call every day, spamming my cell phone number multiple times. I never had any prior dealings with this company, I owe no debt to them nor do I have any unpaid outstanding debts with anyone. 
Here 's the most recent call log of their spam calls : XXXX XXXX XXXXXXXX XXXX PDT XXXX XXXX XXXX XXXX  PDT XXXX XXXX XXXXXXXX XXXX  PDT XXXX XXXX XXXXXXXX XXXX PDT
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I noticed that som information passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please remove the remaining fraudulent information from my Credit file as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, if you claim that the disputed items belong under my name, please send me copies of proof of verification or proof of ownership as a supporting document. In the absence of such documents, immediate removal of the disputed items will be appreciated.