23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX my account was XXXX. When I checked my account on Wednesday XX/XX/XXXX my account had a negative balance of XXXX. The strange thing about this charge is on XX/XX/XXXX a Refund payment was posted on my account for that exact same amount of XXXX. This payment was marked as " returned '' signifying that I had returned the items in the disputed case and they were returning the money to provide myself the customer with a chargeback. The Merchant, a nation wide on line and brick and mortar retailer had been repeatedly unsuccessful with sending documents to the digital wallet business expressing their desire to give myself the chargeback. I had no purchases of any kind for 3 months as I was quite bewildered by the digital wallet businesses actions to for some reason withhold these documents and the Merchants desire to provide a chargeback. I have basically self imposed a freeze on any purchases using the site until I can justify the motives of this digital wallet business. I can only conclude some kind of conflict of interest. I can also conclude that without oversight they believe it in their right and they have complete autonomy to change records and make, manufacture charges that have no documentation to balance real world transactions.
Product: Consumer Loan

I paid off my car loan to TD Auto Finance and they still withdrew a payment for the loan. I have tired to phone them, no success. I sent them a message regarding the situation and the response is it may take up to one month to receive a refund for the dollars they took out of my account. One month is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE NOTIFIED THE LOCAL AND FEDERAL POLICE AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Prepaid card

A friend gave me a Visa Vanilla Gift card, but did not say what the balance was. I opened the package a few weeks later ( on XX/XX/year> ) and saw that the card inside had the last four digits of the number scratched off. I contacted Visa and they said to contact Vanilla Gift and would not help me. I contacted Vanilla Gift ( also on XX/XX/year> ) and they said I had to provide a receipt. I told them it was a gift, so I do not have a receipt, and they never responded. My case number with Vanilla Gift is XXXX.
Product: Debt collection

I received a voice message in XX/XX/2020 from collection Agency, IC System. It took me about a week to follow up with them, due to Covid 19 issues, to determine who they were and contacted them via telephone. The agent indicated that said debt was from company XXXX, which an online search reveals they provided internet/cable services. I informed the agent that I have never done business with XXXX  and that I believe this is identity theft as XXXX  does not service the XXXX XXXX area. The agent asked me to contact some other telephone number, I did not, but did send them a letter asking for verifiable validation of the debt, on XX/XX/2020. The letter also stated that IC System was not to take any action, that would be detrimental to my credit report, but on XX/XX/2020, I received a notification from XXXX  Credit reporting Agency, that there had been a change to my credit report. Upon review, there was a collection entry from IC System for the amount of {$440.00}. Subsequent, and in response to my letter that I sent them dated XX/XX/2020, I received a " collection notice '' from IC System, dated XX/XX/2020????. IC System took action that resulted in detriment to my credit history and credit score and because this debt is unverifiable and not validated, IC System violated the Fair Credit Reporting Act : Section 609 ( a ) ( 1 ) ( a ). They are required through the physical verification of the signed consumer contract - for all accounts you post on a credit report. They are in violation of law! In  addition, while reviewing my accounts with XXXX  and XXXX  yesterday, they too received the same collection credit reporting from IC System. I am outraged that this collection agency can break the law, ruin your credit and have little to no repercussions. I am fighting back!
Product: Credit reporting

XXXX XXXX XXXX XXXX reports {$420.00} charge off. This is not my account. It is reported open in XX/XX/XXXX. XXXX reports it closed in XX/XX/XXXX. They both report it as a joint account with my husband. 
XXXX XXXX not my account and reporting a charge off of {$210.00}. 
XXXX XXXX not my account and reporting a collection of {$210.00}.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I obtained my credit reports from XXXX, XXXX, and Equifax and these 3 companies are continuing to illegally furnished incorrect and inaccurate data on my credit reports for XXXX XXXX XXXX ( ACCT # XXXX ) and a XXXXXXXX XXXX acct that has not been validated and/or verified. After asking numerous times for validation of these debts and if I did in fact give authorization to these companies to legally use my personal information according to the FCRA no legal remedy has been made. They continually use my personal information without my consent I want it to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington, DC 20552 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX Re : Dispute of Fraudulent Account XXXX To Whom It May Concern, I am writing to formally dispute the fraudulent account on my credit report associated with XXXX. This account was previously removed from my XXXX report, yet it remains on my XXXX and Experian credit reports. I am requesting that this account be thoroughly investigated and removed from my credit report as it is the result of identity theft and is not my responsibility. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The presence of this fraudulent account has severely impacted my ability to grow my business and provide for my family. Most notably, it has prevented me from securing a mortgage, which is critical for housing my family and expanding my business endeavors. 

In accordance with consumer protection laws, including 15 U.S.C. 1681i ( FCRA ), I request that XXXX and Experian conduct a prompt reinvestigation of this matter. Please provide me with written confirmation once this account has been removed from my credit reports. 

Attached to this letter, you will find supporting documentation including proof of my identity, the police report related to the identity theft, and any other relevant documentation to substantiate my claim. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the removal of this account from my XXXX and Experian credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 7 years from my first delinquent payment has already passed and it is still showing up. I have tried to communicate with them with no success.
Product: Debt collection

XXXX XXXX This gym open a membership account without my knowledge they sent the account into collection and I was not aware I owe them anything Ive never step foot inside a gym I reach out to XXXX XXXX on XX/XX/2022 I explain to them the situation how I was sent to collections for some thing Im not aware of they told me I had to option I had to pay them the {$280.00}. or I have to create a brand new account and they will forgive me for the balance that I owed. Until this day XXXX XXXX have no record of me checking into the gym the only record they have of me check check into the gym was yesterday when I called the rep thats the only record they have its been over almost a year they have no record of me stepping foot in the gym
Product: Money transfer, virtual currency, or money service

I entered a credit builder loan and completed the entirety of the loan process and after completion I was due to receive all of my money. I did receive the majority of my money from the reserve however {$22.00} is being withheld from me. I have contacted them multiple times and they have yet for months to release that money to me. I've also dealt with terrible customer service from this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally address my dissatisfaction with the multiple unsuccessful attempts I have made to dispute fraudulent items on my credit report and to request expedited removal of these inaccuracies. The continued presence of these fraudulent items is causing me significant distress and adversely impacting my financial well-being. 

Despite making many diligent attempts to dispute these fraudulent items, they persist on my credit report, tarnishing my creditworthiness and making it difficult for me to access financial services and opportunities. 

I initially brought these fraudulent items to your attention, providing all necessary documentation and evidence to support my claims of their inaccuracy. However, to my disappointment, my dispute was denied without a thorough investigation or clear explanation. 

Subsequently, I made additional attempts to dispute these fraudulent items reiterating the evidence of their fraudulent nature. Despite my persistence, these disputes were also met with denials and delays, prolonging the negative impact on my financial standing. 

I urge you to prioritize the expedited removal of these fraudulent items from my credit report. These inaccuracies not only damage my credit score but also undermine my financial credibility and integrity. 

Furthermore, I request that your institution enhances its dispute resolution process to ensure that legitimate disputes are thoroughly investigated and resolved in a timely manner. It is crucial for consumers like myself to have confidence in the accuracy and reliability of credit reporting systems. 

Please provide me with regular updates on the status of my dispute and the progress towards the removal of these fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for my ex husband is showing on my credit report. Account paid in full on XX/XX//2022 Would like to have removed from my credit report because we are no longer married.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX and XX/XX/XXXX, Cashet USA claims that a payment was missed/late, resulting in the imposition of excessive late fees and accrued interest. However, at all times relevant to these alleged missed payments, sufficient funds were available in my bank account to cover the scheduled withdrawals. I have bank statements available upon request to verify this.

Despite my attempts to contact Cashet USA customer service via phone to resolve this issue, I have been unsuccessful. I have reached out to them over the phone and exprienced long wait times. to explain the situation and provide proof of sufficient funds. However, Cashet USA has refused to reverse the excessive fees and continued to report the account as delinquent.

As a direct result of Cashet USA 's actions, my account has now been referred to a collections agency, [ Name of Collection Agency, if known ], and my credit score has been negatively impacted. I believe this referral to collections is entirely unjustified, given the availability of funds and my good-faith efforts to resolve the matter with Cashet USA .
Product: Debt collection

I am writing to express my ongoing concern regarding a credit account ( XXXX ) reported by PNC Bank on my credit report, which I firmly know does not belong to me. I am a victim of identity theft, a situation that has persisted for several years, and I have been actively trying to resolve this matter. 

Despite submitting multiple letters to all 3 credit bureaus that this account is fraudulent, I have yet to see any progress. I recently contacted PNC Bank to inquire about the status of this account, and I was informed that it is currently undergoing investigation, with no plans for removal. This is deeply troubling, especially since I requested proof showing that I opened this account at one of your branches, which I have not received. 

As an identity theft victim, I believe it is vital that financial institutions take the necessary steps to verify the legitimacy of accounts. It is disheartening to think that a lack of thorough verification practices has impacted my credit report negatively. I kindly urge PNC Bank to conduct a proper investigation into this matter and provide clear evidence of my involvement with this account other than a signature on a piece of paper since I was told this account was open in a branch it should be video evidence and other articles of proof that this account belongs to me I appreciate your attention to this critical issue, and I look forward to your prompt response. Thank you for your understanding and assistance.
Product: Debt collection

On XXXX XXXX 2018 I called Olympic Collection and it is not my account.
Product: Credit card or prepaid card

On XX/XX/2021 I attempted to redeem {$280.00} in cash back rewards from Chase Credit Card into my XXXX XXXXXXXX savings account. On XX/XX/XXXX I received a letter from Chase that said " your financial institution denied our request for deposit to the account you provided, so we returned the rewards to your account. '' However, the rewards were never actually returned back into my Chase account. 

I called customer service and they told me that my bank had rejected the deposit but had not sent back the money yet, and so they were waiting for the refund before putting the rewards back in my account. I was given a trace number, which I gave to XXXX XXXX and they confirmed that the money was sent back to Chase. 

I called Chase customer service again to let them know the money was sent back. They said they would escalate the issue and I would receive a phone call. I never received a phone call, but I did receive one more letter saying that they were unable to fulfill the request. I called customer service again and was sent to a manager. He told me that once a cash back request was made, there was no way to put it back into the rewards account, even if it was rejected by the bank. This directly contradicts all the information I was given prior to him, both by phone call and in letters. However, he was insistent that there was nothing more they could do and that the {$280.00} would not be given to me. He also insisted there was no one else I could talk to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

On my experian credit report theirs is two negative items that are fraud I filed a federal trade commission identity theft report on file please have experian remove the account from my report
Product: Credit reporting

I asked for my free credit report from TransUnion and received a request for proof of my current address, SSN, and date of birth. I have lived at my present address for the last thirty years. Their requests appear to be attempt to either delay or eliminate their obligation to provide my credit report. I also tried to call them but received nothing but recorded messages. Attached is their request.
Product: Debt collection

A man called looking for my Father, regarding my father 's personal small business. I asked him to clarify and he cursed and hung up on me. 

I called him back and another person answered the phone, she said the company that contacted me was " ARS national services ''. This information took asking for at least 5 minutes what the company was. 

What alarms me is that both persons who answered the phone insisted that the first call was for my Mother, not my father and that it was to discuss her small business. Both of which are lies, my parents do not own small businesses, and in fact my father works within the federal government. This supposed debt collection company is calling the children of alleged debtors under the false pretense of small business. 

I was ultimately transferred to a supervisor who tried to deflect and ultimately used subversive tactics to end the line of inquiry to the original phone call. 

They have also called me on multiple concurrent days at odd hours from several different phone numbers and are generally obscene and hostile.
Product: Bank account or service

Chase savings account was linked to debit card. Multiple ATM transactions occurred during XX/XX/XXXX and XX/XX/XXXX on my account at the corner bank. The investigation team said the transactions were correct as the debit card had a chip, however, it was not me. I have proof I was working during each transaction. I asked to see the footage so I can go forward with the investigation and prosecute whoever has done this to me. I was denied to this information. I have been with Chase for approx for 9 years and never has there been a history in my checking or savings account of constant ATM withdrawals. I can not understand how they failed to protect me. I received the notice a day prior to them withdrawing the funds from my account and I withdrew the funds until this cleared. Its not fair to be swindled from the crook who did the atm withdrawals and now have the bank as well to withdraw funds from the account due to a shallow investigation.