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

On XXXX XXXX someone got into my phone and was able to take XXXX from my checking account. They also locked phone and I had to go to the bank to close my account and I had to go to XXXX XXXX to get new phone XXXX XXXX  is how they did this and they are saying it had to have been a family member as they so no fraud.the bank Navy Fedetal is saying I allowed the Person to have my info. 
I did not give anyone my info XXXX is a lot of money to be out. The email the person used on XXXX is closed and you can not communicate with them.i need help here I did spend 2 hours in the XXXX   store getting a new phone and I did open a new bank account. 
XXXX XXXX
Product: Prepaid card

I have been a victim of bank fraud for almost {$7000.00} Since XX/XX/2023 I have been going back and forth begging pleading with prepaid claims to return my money taken without my knowledge or permission!! 
In addition to the moneny my XXXX XXXX XXXX XXXX XXXX {$45000.00}. In jewelry has been taken I have provided everything they requested did everything they asked Im at my wits end and am being evicted because of this. 
Not to mention every time I call my heart breaks because some stole money I really needed and Bank of America doesnt care Im just another dollar. 
Please just give me money back I did NOT make any of those transactions, its a shame Ive never felt so violated and unprotected by the bank trusted with my money, sad!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this creditor on my credit report XXXX. with Transunion and XXXX  more than several times and I just keep getting the same result despite my efforts of sending documents to support this claim against this creditor. I have filed complaints on this creditor a long with a compliant about XXXX. some years ago. since then I have filed a lawsuit against them for violating the Debt Collection Practices Act. and they are reporting the account closed but. also the Transunion and XXXX  keep putting remarks on this account saying its affected by natural Disater it is not a current student loan it is over thirty years old its just been updated because the THE GOVERNMENT KEEP LETTING THIS COMPANY OPERATE WITH THEIR RUTHLESS PARTICES DESPITE ALL THE COMPLAINTS AGAINST THIS CREDITOR. DESTORYING PEOPLE CREDIT AND LIVES.
Product: Checking or savings account

I opened a citizens checking account last month because there was a promotion that is going on, one of the terms of the promotion is if i have a direct deposit equivalent to or more than {$500.00}, i would get a bonus, so i set my direct deposit from my work to my citizens checking account with the amount of {$500.00}, i was also using the debit card on XXXX. Then, out of the blue, my debit card was deactivated and i could not access the account at all, i called in and they said they dont know what is going on and i will get a letter, today i got a letter from citizens fraud department saying my account was closed without any information and i still have money in that account. Why did they close my account after i completed the required activity to get the bonus? Are they trying to skip not paying me the promotion after i completed the requirement by closing my account in the name of fraud? Where is the money that was still in my account? They were also threatening me by saying that if i keep using the account then they will freeze it which doesnt make sense because they said the account is closed and i still have my money in it
Product: Credit reporting

XXXX XXXX XXXX XXXX was paid 2 years ago but Equifax is reporting CO XX/XX/2016 where this account is paid years ago. Please see the attached screenshot. 

XXXX XXXX XXXX XXXX XXXX XXXX is also a paid account but EFX is reporting CO XX/XX/XXXX. This account is paid years ago and there is no new activity like you can see in the screenshot that how other credit reporting agencies are reporting the same account. 

XXXX XXXX XXXX XXXX XXXX is account which was paid 5 years ago but Equifax started reporting CO XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. 

I am disputing this incorrect reporting but Equifax is not correcting this issue and reporting CO in the current month every month on closed and paid accounts.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo has not contacted me about there lawsuit and if Im receiving money from them
Product: Credit card or prepaid card

Complaint for Chase Credit Card XXXX XXXX Department XXXX XXXX XXXX ) ) Transaction Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Transaction Amount {$6000.00}, XXXX XXXX canceled the reservation XXXX XXXX ) on XX/XX/XXXX I am writing to complain Chase Credit Card unfair action and caused my loss of {$6000.00}. The charge was originally reported by me as a fraud claim back on XX/XX/XXXX, for {$6000.00} charged by XXXX XXXX ( XXXX ). 
On XXXX, I noticed the amount was charged on my credit card again. I called Chase credit card fraud department, and I was told to talk to the merchandise. I called the merchandise, and I was told the package was cancelled on XX/XX/XXXX and I should speak to my credit card company for the credit. I spoke to the XXXX Department supervisor XXXX. On XX/XX/XXXX, I was told that XXXX was able to get the refund {$6000.00} successfully and I should expect the credit in the next billing cycle. Until now, I have not received any credit for the transaction. 
I called on XXXX again and I was told I should expect to receive my credit back soon. I waited till XXXX and still not got any credit for the refund. I called on XX/XX/XXXX, this time I was told to send a dispute letter with the evidence of the merchandises agreement on the cancellation of the package. On XX/XX/XXXX, I called again, and I was told the case was closed and dispute was rejected due to the dispute window was over 60 days. 
I spoke to Dispute supervisor XXXX. He suggested I should submit a dispute letter again so this request can be investigated again. 
From XXXX to XXXX, I have called more than ten times regarding this refund, and I was directed and redirected to different departments. The entire process was totally confused and no one in Chase credit card can give a clear direction on what I should do. The reason the dispute window passed was due to the Fraud department gave the incorrect information that the dispute was successful and the unclear process. The Fraud department should be responsible for this. I have been doing what I was told to do. 
I would take legal action to file a formal complaint to chase credit card. 
I really need your help to get my credit back since I have paid the {$6000.00} to Chase but I did not receive any merchandise.
Product: Credit reporting 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. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of Mariner finance has been reporting incorrect information to my credit report since his company acquired my loan back in XX/XX/XXXX. I have spoken with him and other employees within his company and nothing has been correct. Back in XX/XX/XXXX XXXX has requested a garnishment of my wages. The court case was in XX/XX/XXXX of XX/XX/XXXX and one check came the day after the court date and he refused to go to the court to pickup the funds. So they were sent back to my employer and then back to me. Just recently he took me back to court again to garnish my wages for the same amount that he refused to pickup after the clerk of court reached out to him to make him aware that the payment came in right after the court hearing and was dated within the garnishment dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department XX/XX/2023 To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Sincerely, XXXX XXXX
Product: Debt collection

ASSOC CREDIT SERVICES XXXX XXXX XXXX XXXX. 

XX/XX/2018 {$800.00} I HAVE NO KNOWLEDGE OF THIS DEBT. ANY ACCOUNT ( s ) OPENED IN MY NAME IS A RESULT OF IDENTITY THEFT.
Product: Credit card or prepaid card

Around XXXX of 2019 I applied for the American Express XXXX XXXX Card. Due to my business travel it made sense to get the perks despite the card being {$450.00} annual fee. It also was advertised with XXXX bonus points which confirmed to me it would be the right choice. 
I had an existing American Express card ( no fee ), and there was never any indication that I wouldn't be eligible for this card or the XXXX points. 
The application process was easy, and I was approved right away. The terms and conditions language around the XXXX points was very vague, basically saying American Express could refuse the points if they wanted ( they keep pointing back to that language ) I was supposed to spend $ XXXX in the first 3 months to get the XXXX points, so I consciously made sure to make that ( I spent well over that amount ). 30 days after getting the card they applied the {$450.00} fee which I paid right away. 
3 months after I made sure I spent enough we inquired about where the points were. They said it takes a few weeks to get them. No follow up, and no indication that we weren't getting them. Same conversation a few weeks later. About a month plus later I called and someone finally said that we weren't getting the points. They also said we got a message during the application process that said that ( never happened ).

I called again to file a complaint. A case was created to research. I never heard back so called a week later. The rep told me that case was closed ( no reach out to me ) and that they couldn't do anything for me. This rep continued to push at that language in the T & C, but also said he could see no reason why this was denied and had never seen it before. I have since filed another complaint and I doubt I hear back. I also reached out to XXXX for support and there's nothing they can do. 
I feel like this is a complete scam. They got my {$450.00} and they forced me to spend $ XXXX in the first 3 months to get something that was never coming to me. I can't believe a company this large has to resort to these practices. I'm at a complete dead end here.
Product: Credit card

I applied of this card on, When signing up I typed in my po box for my mailing address, and I also put my physical address for the portion where I was required to do so. 

I never received the card, and called about 3 weeks after applying and they said they would send a new card, and I never got it. 

I a called 2 weeks later, and then a week later about the card. 

Then they stated they sent the card to my home address but via my application and my chat messages which I have screenshots of I explained to them, my home address is an apartment, and someone has been stealing mail. 

So I opted to send the card to my po box , and every time I check on the card they keep saying its been sent to my home address. 

However I have informed delivery, which shows you the mail you have coming to your house and at no point and time have I received a notification from them about my a card from this company. 

I applied for others cards, from a company that was recently absorbed and turned into what is now called XXXXXXXX XXXX, so because I never received this card, and the other company I applied for was absorbed I thought it all became one entity. 

I believed that to be the case, because they all use XXXX XXXX, so I thought it was a company wide change. 

Long story short both this card and the other company were reporting a balanced owed on cards I never received. 

From my understanding which I could be wrong is that you have to activate your cards before they can appear on your credit report, and neither company explicitly state that they are essentially secure cards, on their site nor the XXXX XXXX app which is false advertising. 

In addition to that it took basically two months, I have yet to receive my card but its reporting on my credit as if it is activated already. 

Long story short 1. I need them to send the card via the mailing method I gave them. 
2. Their app freezes, and employees prematurely disconnect mid conversation 3. The phone reps are just as terrible, and hang up mid conversations 4. They have no record of prior emails or phone call supposedly 5. I
Product: Checking or savings account

Woke up to find my checking account XXXX due to an unauthorized debit transaction of XXXX $ from money lion? I also noticed my email account was changed on the mobile app. I spoke to customer service and immediately filed a claim spoke with XXXX XXXX the chairman of citizens bank who apologized for my inconvenience but I will need to wait until the claim is processed up to 10 businesses days before my money is refunded. I also expressed my concerns regarding the lack of security the bank has provided. She blamed the entire situation on me. Stated I needed to set up an alert system that they could not assist me with that. That I should have set up a new account and transferred all my information over to it, I should have changed my username and password ect. I was told on the first incident that occurred. I explained that the representative told me that the situation was taken care of, and no further action was required I also received the letter stating that my credit from the first incident would be permanent as the transaction was fraudulent and no further action was required from me. I am a XXXX XXXX of a XXXX XXXX XXXX I do not receive any assistance. I can not have my only source of income compromised by the bank. They allowed someone to alter my email address and take large amounts of money from my account with out even notifying me at all. And they refused to expedite the claim because they stated they are processing too many claims at the moment. I have no idea what I am going to do I have no money to take care of my kid or myself this is considered as an inconvenience to the bank and not an emergency as they are not taking any responsibility and are holding me responsible.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting a formal dispute regarding the continued reporting of outdated late payments on my Toyota Financial Services account ( Account # XXXX ). The entries for XXXX, XXXX, and XX/XX/year> are beyond the legally permissible reporting period and are inaccurately listed as recent, which is re-aging the account unlawfully on my credit report. 

These dates are invalid and do not reflect my payment history accurately, creating a misrepresentation that has negatively impacted my credit profile. The continued presence of these entries conflicts with the Fair Credit Reporting Act, which limits how long negative information can be reported. 

I kindly request an immediate review and removal of these inaccurate late payments to ensure my credit report accurately reflects my standing. I appreciate your attention to this matter and thank you for your assistance in promptly resolving this issue.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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: Consumer Loan

XXXX lost XXXX payments I made. I filed a claim on the first payment made on XXXX, of {$50.00}. I got credit for this. Then my next payment of {$50.00}, made on XXXX these people charged me {$25.00} and said " customer refused to authorize ''. Per XXXX XXXX XXXX this did NOT happen, and payment was paid by my bank I sent my bank statement from XXXX to XXXX to show them payment cleared my bank and not returned. They STILL confused the credit I got from XXXX payment, with the XXXX payment. They now will not even answer me, very unprofessional. They are trying to cheat me out of {$25.00} for the returned fee. Will not post a {$20.00} payment I made on XXXX XXXX.
Product: Checking or savings account

On XXXX XXXX, I was at the Navy Federal Credit union and the teller was extremely rude and even tossed my receipt at me. I was making a deposit for my mother at the time.
Product: Debt collection

I contacted First Federal Credit Control of XXXX XXXX in Ohio on XX/XX/2021 to pay off two debts. After completing payment over the phone via credit card, I received an email confirming deletion of accounts was requested. I waited after some credit bureaus still reported the account after 45 days ( one was deleted, one wasn't ) and contacted FFCC via email for them to honor the letters ( both dated XX/XX/2021 ). In addition I disputed the account as it still showed on my credit report. On XX/XX/2021 I received a response from XXXX that the account information will remain. I retained my bank statement from XXXX and the letter from FFCC.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. PLEASE DELETE THE FOLLOWING ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

USA funds under XXXX Are trying to say that the information that I sent including a police report does not count and that for some reason the student loan is valid. Even though I sent numerous amounts of information to them to prove otherwise. I will be seeking legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX  XXXX, XXXX. ; XXXX XXXX ( C.E.O. ), XXXX XXXX ( C.E.O. ) and XXXX XXXX ( C.F.O. ), for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.