23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am seeking resolution for several unauthorized transactions on my credit card, which I are fraudulent. The transactions in question are as follows : XX/XX/XXXX : XXXX XXXX - {$430.00} XX/XX/XXXX : XXXX XXXX - {$390.00} XX/XX/XXXX : XXXX XXXX - {$460.00} XX/XX/XXXX : XXXX XXXX {$320.00} XX/XX/XXXX : XXXX XXXX - {$460.00} XX/XX/XXXX : XXXX - {$320.00} Upon receiving an SMS/TXT alert from Wells Fargo regarding unusual activity, I immediately responded confirming the fraudulent nature of these transactions and requested immediate cancellation of my card and issuance of a new one. While the card re-issuance was provided, my initial claim was denied with the rationale that the card was in my possession, implying the transactions were made by me. This is incorrect, as I did not authorize or conduct these transactions. 

I escalated the issue, and was assured of a response within XXXX hours, which did not occur. Upon follow-up, I was informed of an additional XXXX business day waiting period for the resolution of my escalation and the re-opening of my claim. This delay and lack of communication have caused significant concern and inconvenience and cost. 

I urge a thorough investigation into these transactions and request a timely and fair resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion In the results of their FOUR investigation of MY FOUR Disputed Accounts and subsequent re investigation,  stated in writing that they have “verified” that these items are being “reported correctly” ?   Who has verified these accounts?   They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as required under Section 609 (a)(1)(A)  &  Section 611 (a)(1)(A).  Furthermore They have failed to provide the method of verification as required under Section 611 (a) (7).   Please be advised that under Section 611 (5)(A) of the FCRA – They are required to “…promptly DELETE all information which cannot be verified.”  The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Phoenix Financial has reported a collection on my credit report for {$200.00}. I have sent a validation letter to get the account verified but they have not done so. I have even asked for these things 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt. 
3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 
4. Proof that the Statue of Limitations has not expired. 
5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Show me that you are licensed to collect in my state. 
7. Your license numbers and Registered Agents They did not provide me with any of this information and they put on my credit that I have disputed this account. All I am doing is validating the account how could this be a dispute? That is false information.
Product: Vehicle loan or lease

Working with XXXX XXXX XXXX on a loan and when I fell behind they sent in repossessed and recovered the vehicle XX/XX/2015. Vehicle was sold without my knowledge and I didn't receive anything about sale of vehicle. XXXX  and XXXX are still showing this account of report.
Product: Prepaid card

I have a Venmo account they said that I was in violations of their regulations. I asked him to explain the violation. The only thing they gave me was user guidelines, so I was never told the exact reason why my account was banned but my issue is I have {$1800.00}. XXXX still left in my account in which it is a direct deposit from my XXXX  XXXX, which I tend to you know use this account to pay my bills and purchases online and all kinds of stuff. I have no problem for them closing the account, but they wont give me my money back. they said they will send an email verify. Let me know if my funds would be available for transfer in the future so Im filing a complaint because thats fine if they think I violated their rules and regulations, but Im still entitled to my money and I shouldnt have to wait 180 days for me to get my money back thats it should be illegal so Im just reaching out for anyone that can give me advice on this situation because a company keeping your funds for XXXX months to let you know whether or not you gon na get your money back I think thats illegal to
Product: Payday loan

Received a threatening call on XXXX/XXXX/15 telling me my card declined. I told him that could not be possible because there was {$3000.00} in the account so there was no reason my payment would decline. He went on talking about you have XXXX in the bank and all your paying us is a {$50.00}, I explained to him that I 'm a single mother and I have a mortgage to pay along with other expenses but I am paying. He then went on and on, at this point I called him out his name and told him look its too early in the morning for all of this and I just lost my grandfather and I was really not in the mood. I was doing the best that I could. He continued to talk mess and told me he was taking me to court. I said take me to court for what ... you have the correct account and I am making payments. he then kept threatening me I called him XXXX & ( and hung up. I called back to get someone else but he kept answering the next 3 times being petty and said see you in court and not to call there. I finally got a Manager on my XXXX attempt of calling back. They ran the card again they had and the payment went through just fine like I knew it would.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper has sent confusing and incorrect statements and registered me late when I have paid my bill on time. Sending proof. There are several class actions suits against this company including NationStar with too many addresses to communicate with ( 7 ) and email address ( 3 ). We have emailed, uploaded, called, and even retained an attorney but they continue to send misinformation and report us late. I have NEVER been late on a mortgage on any of my homes and I am XXXX years old. 
I have proof of THREE coupons within 30 days with THREE different amounts requested from Mr Cooper. 
I have proof of the letter they sent saying NOTHING with my payment/mortgage would change and to pay {$1300.00} which I did- but they registered that late even though their website was not working XXXX XXXX. 
I told them I PAID insurance and taxes ( and again uploaded and emailed receipts ) and want out of escrow due to their continued confusion and they said no because I was late in my first payment which I wasn't. I am attaching proof of payment, and their confusing correspondence. My credit needs repaired/corrected IMMEDIATELY as it has dropped from XXXX XXXX XXXX due to their mis-management of my account. 
The letter that they sent to you responding to this complaint is again inaccurate on many issues, Please report them and fix this.
Product: Checking or savings account

On Friday, XX/XX/2022, I received two unauthorized charges in the amounts of {$1200.00} from a merchant XXXX and {$230.00} from a merchant XXXX respectively to my debit card associated with my account through Chime Bank. Upon reporting the fraudulent charges to Chime Bank on Saturday, XX/XX/2022, I was informed that my claim would be reviewed by their fraud claims team and if they didnt conclude their investigation with 10 business day, they would extend provisional credit in the amount of the fraudulent charges as required under Reg E, however, they denied my claim on XX/XX/2022 citing that no error occurred and have refused to reopen my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent EQUIFAX via certified mail on XXXX, XXXX XXXX  a request to investigate the inaccuracy of these accounts that show up on my consumer report. I pointed out that their also several violations of Fair Credit Reporting Act ( F.C.R.A ) and Non compliant with The Gramm- Leach-Bliley-Act ( GLBA ) to this date i have not heard back from Equifax of any updates. 

15 U.S.C. Sec. 1681i ( a ) 15 U.S.C. sec. 6802 ( b ) ( 1 )
Product: Credit card or prepaid card

Received a call from XXXX, name of company came up as USAA on my cell phone. Person w/strong foreign accent indicated I had fraudulent charges on my credit card and began to ask if they were accurate. I mentioned they were not correct and then transferred me to the " Fraud Prevention '' department. The next person began asking my questions about my credit card number specifically asking me the number. I hung up and verified w/USAA there were no fraudulent charges that matched their story. About an hr later, they called again and firmly told them to no longer call me.
Product: Money transfer, virtual currency, or money service

My cash app account was hacked and purchases was made and no response from cash app just an email
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called " I C Systems '' reported a delinquent account to credit agencies. My credit report ( XXXX ) now shows a negative collections item reported by XXXX XXXX XXXX XXXX. The original creditor is listed as " XXXX '' and carries a balance of {$130.00}. This is NOT my debt and I believe this is some type of " blanket '' collection attempt, or perhaps fraud on the part of XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello team, am trying am begging XXXX XXXX from 4 months till today to report my XXXX auto loan to credit bureaus, I'll submit their emails, they always tell me that XXXX does not report accounts in good standing to any of the credit bureaus, and they tell me let the credit bureau give us a call or send us an email with your signed authorization for us to confirm your credit history to them, I contacted TransUnion they said let XXXX XXXX send us your information, I'll attach also the TransUnion conversations here. 
Am stuck in between, and I need XXXX XXXX  to report my auto loan to the credit bureaus, so that the monthly payments will reflect my credit. 
I need your help please with this issue. 
God bless you
Product: Mortgage

My mortgage company has changed hands several times over the past ten years. Whomever is now holding my mortgage is required me to change the name on my home insurance to have mine and my wife 's middle initials such that it appear exactly as it is on our deed. We complied and had our insurance company send the revised policy to NewRez. 

We have also been requested that we send NewRez a copy of our HOA Liability Insurance Policy. Our insurance agent confirmed that they did so. 

We continue to receive letters from NewRez that we have not complied with their requests and as such, they are going to force us to purchase insurance from them! This is a scam! They are imposing new and unnecessary requirements on mortgage customers to force them to buy insurance that they don't need. 

PLEASE HELP AND SHUT THIS UNSCRUPULOUS BUSINESS DOWN!
Product: Checking or savings account

I opened a CD with Marcus by Goldman Sachs in XX/XX/XXXX. The CD was scheduled to mature on XX/XX/XXXX. Per the instructions given to Marcus and confirmed by Marcus, the funds upon maturing were to be deposited into an external savings account. Marcus has failed to release the funds. When asked, Marcus acknowledged the problem was due to an internal error. I have called over XXXX  times. I have filed official complaints and was promised call backs to resolve, which never happened. I was told weeks ago the funds would be deposited in XXXX business days. I was most recently was told the funds won't be deposited until end of XX/XX/XXXX. There has been XXXX resolve on Marcus ' end. This is a breach of contract and I want my money back.
Product: Payday loan, title loan, personal loan, or advance loan

Issue 1 : They force you to pay a donation of 15 % for a loan and if you dont offer to pay that much you pretty much wont get your loan funded.

Issue 2 : They hid the fact that donations are optional. There is a button to toggle off voluntary donations in settings, but they dont tell you that the button is there or how to use it. So for the first few loans I took out I had to pay this donation and didnt have a choice or know I had a choice to toggle it off. I probably lost {$200.00}. 
Issue 3 : This is definitely the biggest issue by far. Starting on XX/XX/24 out of nowhere, I started receiving an error that my debit card could no longer work on the site. There was no reason for this. At the time I had a loan out that was due on XX/XX/24. I was told that there was an update being done to the app which none of the users were notified about ahead of time and had no idea whats happening. Since XX/XX/24 everyone I try to re-add my debit card I get an error message. Today is XX/XX/24 so this has been going on for over a month. What seems fishy to me is that my loan seemed to pay back automatically with the same debit card on XX/XX/24 with no issues but yet Im still told my debit card cant be added and therefore I cant use the site to take out a new loan. Customer service is no help. You can only email or chat and they just keep giving a canned response that they are still working on the update and that every day more and more users are able to use the app. They can not give any kind of ETA on when things will be fixed or exactly what the problem is. What kind of app update takes more than a month. Something very fishy is going on with this company. And they are deceiving their consumers who have come to rely on this app for lending needs.
Product: Checking or savings account

On XX/XX/XXXX Us Bank recieved my id verification and selfie i gave them 7 dsts to verify n unlock. Called back XX/XX/XXXX talk to supervisor and she said give them 24hrs to contact me they didnt call i called them now they saying its go take another 7-14 business days i will be homeless i nees my funds help please
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT ED/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Delev law is currently working an account on behalf of university XXXX. they claim that i owe for a class that i did not sign for and did not attend. they took me to court in XXXX Ohio where i do not live and have never reside. iI did not dispute that i attended school at the university XXXX, through teleconferencing, but i did not take this class, as i Un-enrolled before the time in question. they do not have a signature by me. the judge would not hear me out said that I owed, by the time it went through the court it was inflated from a XXXX dollar debt to over XXXX. The state of Ohio has taken my state tax return for the last 3 years for this, I have paid over XXXX dollars towards this and they continue to state that I owe XXXX now. To make matter worse, they have assigned my account to a XXXX XXXX. The collector will not take my call or my husbands call, when we are available. He is always out of the office. We ask for another agent or his superior, and they state that we have to talk to him that he has final say on the account and they can not help us. WE just want to be done with this, we have made an offer of XXXX to settle, the office of Delev refused, stating that would not be accepted, even though they did not send that to the client for approval. They refuse to work with us only demanding that the balance be paid immediately and nothing else. I asked if I could talk to XXXX University direct, they said no, I asked if I could talk to someone at the Attorney general office they said no. They did n't read me a mini miranda, they did not give me full and complete information about the debt. I feel that they have broken the law in the state of Ohio by not giving me proper information or ability to take care of this. I do not want to deal with this office and request that it be sent either to the original creditor or The actual attorney general office directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX amount {$800.00} was removed from my credit report after an agreement in the winter of 2018. 

The account has re-appeared on my report under Alliant Capital Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please delete the following : ( 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: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

My xwife held a XXXX on me and had me open lines of credit with USAA.com. She got the money, not me. After years of therapy I have finally been able to tell the truth. I filed an identity theft report with the Federal Trade Commission XXXX XXXX department and they still will not remove these two loans.
Product: Credit reporting or other personal consumer reports

I notice my credit report showing late payments in which I never miss a payment on the folling account ( XXXX ) ( XXXX XXXX XXXX consumer reporting agencies play a crucial role in accurately reporting consumer information I request a through infestation for these discrepancies and urge you to provide evidence such as statement proving late payment if unable to provide proof I demand this payment be update to paid on time
Product: Credit card

I took advantage of a balance transfer promotional offer for my Sapphire Preferred credit card with Chase in late XXXX, XXXX. For a 5 % fee, I could transfer a balance from a non-Chase credit card and pay 0 % interest on said balances until XXXX, XXXX. I called the customer service number and asked how I could pay a particular amount on this balance every month in addition to my balance with regular interest charges. I was initially told that I would see a special line on my payment page that I could enter a particular payment amount for each month. When I did not see that in XXXX, I called customer service department again and was told I needed to read my cardholder agreement for more information. So, I requested a copy of that agreement which had to be mailed to me. When I finally received it in the mail, I reached out to customer service department again because there was no clear cut answer to my payment allocation question ( The agreement contained verbiage like may and possible. ). I was told that all of the information was contained in the Cardholder Agreement and there was no way to allocate any payment amounts monthly to the special promotional balances because I owed Chase a balance subject to interest. One customer service supervisor told me that I needed to cut up my card, cease spending money, and commit to paying the balance subject to interest off as soon as possible so that I could pay off my balance transfer balances before these 0 % interest promotion expired in XXXX, XXXX. 

This practice by Chase Bank is abusive and deceptive, as there was nothing in the fine print that says you will not be able to pay any significant amount on this promotional balance and pay it off before the expiration date if you carry a balance subject to interest as well. My goal was to pay on my balance subject to interest as well as my promotional balance each month to reduce debt. Not only was I given inaccurate information by the banks representatives, I was insulted by a supervisor who told me to stop using my credit card. ( I got married last weekend. Weddings cost money. I used my card to pay for goods and services related to my wedding. This supervisor did apologize to me for saying that. ) The problem is I was planning to pay down both balances each month without knowing there was absolutely no way to do that. I would never have signed up for the balance transfer promotion had I known that Chase would refuse my payment allocation request.
Product: Credit reporting or other personal consumer reports

Name and address is incorrect Information. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens March 27, 2023 281 SW 715,719 I presume that no proof of the alleged debt, in fact therefore exists.