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

I lost my card and reported it to Upgrade, the agent according to a representative I spoke with after said the first agent filed the wrong claim. 

They filed a dispute for the transaction instead of reporting my card lost/stolen, that triggered Upgrade request documentation like receipts of proof of purchase that I didnt have because I never made the purchase I spoke with an agent and said I wouldnt need to forward documentation since my card was lost/stolen However Upgrade closed out the claim and is making me responsible for the charges I didnt make because I never responded to the claim and was advised not to since my card was lost
Product: Credit reporting or other personal consumer reports

I turned in my lease with XXXX XXXX  ( auto ) in late XXXX, early XXXX of 2023 and leased a new XXXX with XXXX XXXX. Upon turning in my lease there was a disposition fee I wasnt aware of, and the dealership where I returned the vehicle and got a new one did not take care of this fee. I was made aware of it via email and I took a settlement that was offered for this fee not realizing this would be reported to credit bureaus as a charge off over a fee I didnt even realize was something I needed to take care of. This fee was {$390.00} of which I paid {$230.00}. I would have paid it in full if I realized this would be reported negatively to credit bureaus as a charge off. This has completely ruined my credit taking it from above an XXXX to below a XXXX. I have called since XXXX of this year to get this resolved and still havent got anywhere. I have offered to pay the {$150.00} difference to get this removed from my credit report. They have told me that they can open the account back up and I can pay the difference for the fee ( {$150.00} ), but they wont stop reporting the charge off. Thats wrong and terrible business practices. I am so on top of my credit and Ive never even had a late payment. My credit and livelihood are being ruined over some fee that Ive never experienced before when leasing a vehicle and Ive had 3 leases so far. This is ridiculous and needs to be resolved.
Product: Debt collection

Last year around XX/XX/XXXX I notice some unauthorized charges on my account from XXXX that went back into the year of XXXX and I called Wells Fargo to have them removed the charges because I did authorize the charges and the service that I was being charged for I never had. Wells Fargo give me a hard time transferring me around and the only some of the charges where removed. 

Around XX/XX/XXXX I called Wells Fargo back because I was still being charged by XXXX. I got a Representative who made a three way called to XXXX and the XXXX XXXX told the rep from Wells Fargo that I shouldn't of been charged and that the service were not mines. The Wells Fargo Rep told me she would disputes everything and have it removed. But I notice in XX/XX/XXXX that I was still being charged. And they give me a hard time to to have the charges removed. 

In XXXX of XXXX I came down with covid and was in the hospital so I couldn't pay my bills. Once I went back to work I contacted Wells Fargo on XX/XX/XXXX make a payment plan to catch up on the charges and the agreement was that if I paid {$87.00} by XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX to reset my account balance to current, all the lates payments will be removed, and they would report to the credit agency as paying as agreed. I paid {$100.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and then I started to get emails from all 3 credit bureaus stating that I was still delinquent. 

I recently called Wells Fargo and they told me that I still had a late payment, and that they had to investigate what I saying and it would take 10 days and now they are saying that I have to wait 4/5 months instead of 3 for them to make any changes. But in the mean time they are still report to the credit bureau that Im delinquent. Which is unfair because I follow through with the agreement. 

Every time I call they keep me on the phone for over an hour and they never do anything. 
They transfer me around to different departmants and no one can never handle the phone call.
Product: Credit reporting or other personal consumer reports

As I viewed my credit report I noticed some inaccurate reportings on it from the creditor. This inaccurate information is hurting my payment history and in turn bringing my credit score down and blocking me from providing the financial freedom my family deserves.I emailed the creditor and asked for a payment history and for this to me resolved but i got no response.
Product: Credit reporting or other personal consumer reports

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under XXXX XXXX XXXX. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023XXXX XXXX XXXX  Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023
Product: Checking or savings account

I ' a victim of a Scam. 
The scammers withdrew money from my Chase and XXXX XXXX  account on XX/XX/XXXX. 
On this day, I received an email that pretended to be from the XXXX company. Which warned me that they were trying to charge {$530.00} from my credit card. I confirmed that this was not my payment and called back on the phone number provided. 
They introduced themselves to me as XXXX, gave me my details and the number of the credit card from which they tried to withdraw money. They said they would cancel my payment. But since scammers have connected to my computer, they should close my account and open a new one. And while they're checking security, I shouldn't go near the computer. 
I called XXXX XXXX, but the scammers called me back and said that I did not need to call XXXX XXXX, since they were already handling my case. After a while they called back and asked for my CC number and the full number of the debit card to which to transfer the refunded money. For reliability, they named the last XXXX digits of all my cards linked to XXXX XXXX and my personal data. I said that I could not give this information. I turned on the computer, it didnt work. While I was trying to open the computer, they called me many times and suddenly I received a message from XXXX that I bought something. I have not received any messages from banks. Although I have alerts and I always received them. 
I immediately called the banks, and it turned out that {$7200.00} was withdrawn from Chase Bank from a checking account, {$7400.00} from a savings account, {$1700.00} was transferred from a Flex credit card. {$500.00} was transferred from XXXX Bank via XXXX. 
The bank immediately closed the accounts, and we announced an investigation. I was at the bank branch, and we opened the Claim. 
Chase closed my stamp and refused a refund. In a rather rude manner, I was informed that the bank does not bear the slightest responsibility for the safety of the invested funds. And protecting my funds is only my personal business. 
They advised me to contact the police.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I recieved email offering me crypto loan through Poloniex to be used in trading I inquired about loan and was asking about loan terms and restrictions. While I was asking my questions about terms and restrictions I found terms were unacceptable for me and I informed the operator that the terms would not work for me. During this conversation she apartently was processing the " loan '' during the middle of conversation she informed me loan was processed. Even though I informed her several times terms were unacceptable. She insisted I had to take loan and she could not cancel loan even though I was refusing loan as terms were unacceptable. We carried on conversation for long period of time where I advised her I was filing complaint with you and any action I could in court.
Product: Credit card or prepaid card

RESURGENT/LVNV FUNDING is adding more to the debt its was XXXX now its XXXX it goes uo every month i havent been contacted by this company at all.. please check the debt amount its outrages
Product: Credit reporting or other personal consumer reports

This data furnisher is fraudulently reporting adverse information in relation to my Name/likeness/identity to third parties without my written permission or consent. This is a clear violation of FCRA law.
Product: Checking or savings account

There is an ongoing issue when making deposits through Navy Federal Credit Unions ATM 's of which I have never had a problem with any other bank that I've done business with. When making a deposit via the ATM machine ( particularly I use the ATM at the XXXX location ) you're provided with a receipt of the deposit and the balance ( including the amount deposited ) however the amount does not reflect when you go online or when calling XXXX the amount does not reflect in the automated information and when speaking with a representative they are unable to see the deposit. As a result, you're transferred to the banks back office. On XX/XX/XXXX I made a deposit via the NFCU ATM located in XXXX, TX in the amount of {$1100.00} ( a check ) at XXXX ; a receipt was provided showing the deposit as well as {$4100.00} ; Available BAL ; {$2400.00} Available Bal however the total deposit does not reflect through the automated system and nor can the representative see the deposit. As a result, NFCU show my account negative {$470.00}. Which contradicts my receipt. I understand, business is not conducted on the weekends however my account should not show a negative balance when the money is in the account. On XX/XX/XXXX when I spoke with the first representative XXXX, she informed me she could not see the deposit and that I would need to speak with someone in the back office ( Account Services ) ; I spoke with XXXX who informed me the funds would not be available until Tues, XX/XX/XXXX. Funds be available and reflecting in the account to show the deposit was made are completely two different scenarios. I requested to speak with a manager to advise and request that if I am charged any fees as a result of their system not showing the deposit in my account that I want to be reimbursed. This is the third time that this has occurred and the first time that my account has gone negative due to how their system processes deposits. I spoke with Supervisor XXXX of whom wanted to discuss the use of an ATM that I used and how I'm losing out on {$20.00}. That was not the purpose of my call and I did not appreciate her bringing up a topic that was not of issue and that I'm well aware NFCU give a {$10.00} rebate for non-NFCU ATM 's. In regards to the issue at hand, XXXX deflected the issue indicating the ATM 's are operated by a third party and she wishes they fix this issue. Because of this issue I was not able to purchase food or gas and needed to use a credit car of which I'm trying to pay off. NFCU needs to fix this issue ASAP. Clearly the receipt that I am given via the ATM contradicts what the automated system and my account. Banks that I have previously business show the deposit in the account. I also informed NFCU that I'd seen posts on social media regarding similar issues. This started occurring with the recent update that was performed. If you look in the history of my account, I have never had a negative balance.
Product: Credit reporting or other personal consumer reports

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated 5-day timeframe. It is paramount that we resolve this matter promptly, within the 5-day timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/scrub>XXXX the day I received my SSA, I received a text from XXXX, that claimed to be Chase. The txt claimed that an XXXX XXXX XXXX transaction needed to be verified. Several calls went back and forth bcuz I was travelling by bus. Very upset with living conditions. For reasons I can not explain I went along with the logic that $ needed to be transferred out of my account, then reversed in order to track who was trying to do this to me. I transferred {$1000.00} to XXXX ( XXXX ). As soon as I ended the call I realized I had been scammed. I called JP Morgan to report the scam. JP Morgan told me to contact XXXX. XXXX said JP Morgan needed to simply reverse the transaction. JP Morgan said they would investigate. JP Morgan said I need to report the scam to the FTC & the FBI ( no response from either agency ). I called JP Morgan a week later to follow. I was told I participated in the scam, so JP Morgan would not help me. I asked where my funds had been transferred to. JP Morgan informed I had no right to that information and that the scammers had a right to privacy.
Product: Student loan

They did not reply with the specific information I requested pertaining to the amounts and credits for the terms of the original arrangements and agreement of the loan from XXXX  that I made with them. They simply showed me an example of how much money that they would forgive, such as {$2900.00} ; etc. from the principal balance that I still owe, but they did not subtract it yet from my current balance yet. Furthermore, they said that my application for XXXX has now ended, which leaves me more confused now about the terms of the loan balance I have with them because I applied for an XXXX plan which they approved, so this either did not even apply to me or I never heard or knew that this applied to my situation in the first place so this is irrelevant to my current situation. Hence, I will not XXXX these loans again ( as they recommend ) and the XXXX  years of consecutive payments should qualify towards the original terms of the loan which was for XXXX  years ( XXXX months ), regardless of the current XXXX new student loan forgiveness plan. They should already have forgiven XXXX years of repayment for me, since I already made XXXX years of payments to them and still have XXXX years remaining. If I had reconsolidated these loans again, then the new terms would be for another XXXX  years for the same amount and I would have to start all over again so the whole process for which I am complaining to this agency is proven to be a scam if after making XXXX  years of payments my loan is not XXXX.
Product: Student loan

XXXX XXXX XXXX XXXX shows check was deposited by NelNet. Check was for {$4100.00} to pay off the balance of our Parent Plus loan. 
XXXX XX/XX/2023 No change in our loan balance. I called and they found check. I was told it will be processed. 
XXXX XXXX I called again as there was still no change in loan balance. I was told they will submit a request to get the payment processed. Advised me to call back on XXXX XXXX if nothing has changed in our account. Our account shows interest accruing but I was told they would back date the check to XX/XX/XXXX so no interest will need to be paid. 
XXXX XXXX On hold/waiting for call-back from XXXX XXXX. Eventually transferred to XXXX XXXX ( same as in first call ). Said they will submit a request to process the payment, will take 10-14 business days. I told them thats what I was told when I called on the XXXX. He said there was no request submitted on that date. I asked to talk with the next higher level of customer service, he said I would be told the same thing by them. I asked to be put through anyway. After another 15min on hold, was told no one was available but that I would get a call back.
Product: Mortgage

On XX/XX/XXXX, US Bancorp sent me a legal notice stating that they were going to foreclose on my home. However, the problem is that I have already paid my mortgage off in full. They are breaking 31 USC 5118 by attaching a " Gold Clause '' to a note. The letter below was sent to US Bancorp proving the laws they are breaking. 

US Bancorp XXXX XXXX XXXX XXXX XXXX  XXXX US Attention : Chief Accountable Public Officer Via Certified Mail : XXXX XXXX XXXX XXXX XXXX RE : Notice of Billing Error per 15 USC 1666 To the Honorable Chief Accountable Public Officer , Greetings : Trustee/Attorney is aware under provisions set forth at 31 USC 5118 ( d ) ( 2 ) as of XX/XX/XXXX there is no legal tender only notes. Notes can not contain a gold clause, as evidenced by your demand for tender of Payment a specific specie of United States money or currency. Said claim is in violation of 31 USC 5118, the text of which shall be recognized by US Bancorp as legal evidence of the laws of the United States general and permanent in nature set forth, and evidences US Bancorps violation of the Act of State doctrine and extortion. Trustee/Attorney believes that all statements received from US Bancorp within the last sixty ( 60 ) days with regard to your attempts to collect a debt ; contain the following billing errors : 1. Statements reflect an extension of credit which was not made to the obligor by U S Bancorp ( 15 USC 1666 XXXX b ) ( 1 ) ).

2. Statements fail to reflect credit issued to obligor by signature and delivery of Unconditional Promissory Note, charged to Trusts accepted Treasury credit card by US Bancorp in substitution thereof per 15 USC 1642.

3. Statements fail to reflect proper payment made to US Bancorp by obligors financial institution ( 15 USC 1666 ( b ) ( 4 ) ). 

This notice is based upon the attached documentary evidence. 

Trustee/Attorney requests following documentary evidence to support US Bancorps claims that You extended credit to obligor, and that any presumed assignment of future payment rights to US Bancorp under any power of attorney, whether express or implied is not void. 

It Is So Ordered. It Is So Ordered. It Is So Ordered. 

/s/, Trustee By : __________________________, Attorney/Heir In fidelity. 
Date Signed : __________________ ************************************************************************************************************************ DELIVERY VERIFICATION In the presence of myself and the Father, who sent me ; hereby verify that on : _______________ We, as nobody deliver via First Class United States Mail, personal service, and, or electronic service, the foregoing documents to the Church in XXXX in accord with the Fathers Will at : Acts 5 : 29 and Revelations 3:7-13 AKJV 1611 ; for execution by His Angel : Addressees : US Bancorp 270 XXXX XXXX XXXX MN XXXX XXXX Attention XXXX Chief Accountable Public Officer VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXffiant In XXXX. 

US Bancorp receive this legal notice from me via USPS XXXX Mail XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX Bancorp is currently extorting me for a payment they have already received. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX OF XXXX Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions