23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Navy federal withdrew money from my account to apply to a credit card debt that was close and charged as a right off this account been closed for over a year they refuse to return my money they credited me {$200.00} back but theyre still {$1500.00} more that was for my rent
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that I had an inquiry from this company on my credit report. I contacted the company and they couldn't not provide any information via phone, so I dated a letter to XXXX  requesting the inquiry be removed or validation be provided. I received a letter from Synchrony Bank dated XX/XX/XXXX stating that they has validated the inquiry but DID NOT provide a contract, application nor a signature giving them ANY authorization to do a hard a inquiry on my credit on XX/XX/XXXX. I called Synchrony Bank on XX/XX/XXXX and spoke with a representative " XXXX '' Employee ID XXXX and she confirmed that the inquiry was inaccurate and would be removed and I would receive a letter within 5-7 business days as they COULD NOT find an account, file not contact that I signed for credit and the inquiry would be removed within 30 days. 

That has yet to happen. On XX/XX/XXXX I sent a SECOND request to XXXX  and Synchrony Bank. I received yet another response from Synchrony Bank stating that I had applied for credit but they had failed to provide proof of such information. There wasn't a response from XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX Account Number : XXXX, Account Name : XXXX  XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

So my information is out there and someone opened an account under my name in credit card without me knowing it was a fradulent account. XXXX XXXXXXXX Credit card. The date of birth on 1 of the credit reporting agency is incorrect. My current address is incorrect. From what I recall XXXX could be part of the agency that maybe have leaked my data.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and it will not help me with getting it back up and going I am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used Paypal quite frequently My email linked to my Paypal is XXXX XXXX
Product: Credit card

I am going through severe financial hardship. Barclays Bank continues to call demanding outrageous sums of money that I can not afford and threaten to continue to report negatively to my credit report if I am unable to. They are refusing to offer a reduced payment plan or anything that benefits me. I spoke with a member of management named XXXX XXXX who basically told me " too bad '' and she is not obligated to help me and my only option was to pay the amount due. Other banks have understood and have complied and are working with my current situation, Barclay is not. I have had an outstanding history with them for many years and instead of helping a loyal long time customer, I have lost half of my credit line and am being treated like a criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus illegally furnished my credit reports without written consent and I am entitled to compensation.
Product: Credit card or prepaid card

My Direct Express debit card was stolen ad used to withdraw XXXX on Friday XX/XX/2019. I reported the fraud within a few hours of the withdrawals. As soon as i noticed the card was missing. 

I've been trying non-stop since then to file a dispute but haven't been able to talk to a person in order to file a dispute. I'm just put on hold fore hours until I give up. I've gone online and seen literally hundreds of complaints about the companies bad business practices. I depend on that money and am aware of the Electronic Funds Transfer Act. 

Can you help me with this?
Product: Mortgage

I applied to refinance my loan with Amerisave Mortage https : //www.amerisave.com/ I filled out the paperwork and they replied with a 30 year VS 15 year I wanted. The person serviceing the loan said no problem and cancled that application and created a new one for me. However instead of using my address of XXXX XXXX XXXX XXXX RI. He used XXXX XXXX XXXX XXXX RI. I missed the change of town, ( yes my fault and I eSigned the document ). 
I received a call from a XXXX XXXX who owns XXXX XXXX XXXX XXXX RI thinking it was a scam. We talked and discovered this. 
While I recognize my responsibility in missing the address change, I did not fill out the paperwork for the second 15 year loan Amerisave did. And now my and my wifes SSN and banking information was sent to the wrong address.
Product: Payday loan, title loan, or personal loan

I applied for a loan and they charged an interest rate of 727.65 % interest. I didn't realize until later that Iowa law only permits lenders to charge 433 % for a 14 day {$100.00} loan. Is it legal for them to charge me such a high interest rate? I don't know if I can pay it back, I was desperate at the time.
Product: Checking or savings account

I lost {$1400.00} through Chime and I asked them about is as fraud they said they would investigate it they reply beck later and said they did not find any fraud in this trans which is wrong now they will not help me on this issue and wont talk to me.
Product: Debt collection

I dont owe this company any money and they are on my credit report
Product: Checking or savings account

On XX/XX/XXXX, I found out my account has been suspended ( blocked ) when I was tried to make a purchase with my ATM card. I immediately called them and I was told by Citibank representative that, they can not provide me with no information I would have to wait for a letter which has a code that I will submit to them for verification. 

After a week from the suspension, I went to the Citibank branch and spoke directly with the representative who had open the account for me on XX/XX/XXXX. Her name is XXXX at the : XXXX XXXX XXXX XXXX , XXXX, VA XXXX location. XXXX called customer service and she was told the same thing which is to wait for the letter. 

Today is the XX/XX/XXXX and am yet to receive the letter. This is my only account and the same account all my bills comes out off. 

I have also exhausted all ways of borrowing funds to sustain. My cell phone was disconnected today due to not paying my bills and the rest of my bills including my mortgage payment is due this Friday. I need help and I do not know what to do.
Product: Credit reporting or other personal consumer reports

i filed an dispute with XXXX, XXXX, and exprerian about the negative items on my account such as student loans that was forgiving in XX/XX/XXXX by XXXX XXXX school forgiveness program its still showing as an negative remark on all XXXX reports. 

Dept of ED /XXXX amount $ XXXX {$2100.00} statuas says pays account as agreed admore finance amount {$670.00} XXXX i dispute not my account XXXX XXXX  amount : {$60.00} XXXX i did dispute this its not my account XXXX XXXX amount : {$470.00} XXXX i disputed not my account XXXX XXXX amount {$210.00} XXXX i paid this is full and it still shows up as an negative remark on credit reports this is mines, i disputed and still not resolved XXXX XXXX  amount {$12000.00} open XX/XX/XXXX i disputed not my account and it shows paid in settlement but still on my report National credit adjustor amount {$1200.00} open XXXX i dispute not mines my year of birth is wrong on my experian
Product: Debt collection

I have contacted lenders numerous years ago informing them that I was XXXX and going through social security for SSI benefits, Supplement Security Income. I am XXXX   XXXX and was expecting a payment which I was owed from XXXX XXXX in a lawsuit that was stolen from my family and myself. I have limited income and we desperately needed the funds to assist with additional expenses do to the Coronavirus. We had been eagerly waiting on the money and I was blown away to find out that the funds were taken by this company Immediate Credit Recovery Incorporated. I  never heard of the company and  never received any contact from them but if I had, I would have sent them the paperwork stating I am XXXX  XXXX. I thought the loans had been discharged because of my XXXX. I am asking for this company to refund the money that was taken as we are in desperate need of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, 2020 -there was a fraudulent inquiry made at XX/XX/XXXX to get credit & it appeared on my transunion credit report. i never made this inquiry & contacted XX/XX/XXXX immediately & then transunion. however, it still appeared on my credit report as an inquiry & lowered my credit score for no apparent reason other than fraud. therefore, i would like this inquiry removed! asap!! 

on XXXX XXXX2020 -another inquiry was made again at XX/XX/XXXX & this appeared on my XX/XX/XXXX credit report. 

both fraudulent inquiries appears as one inquiry on my credit report, regardless, i would like the fraudulent inquiry removed. ASAP!!! 

I DID NOT REQUEST THE INQUIRY & SHOULD NOT SUFFER A LOWER CREDIT SCORE AS A RESULT OF FRAUD! PLEASE REMOVE ASAP!!
Product: Credit reporting or other personal consumer reports

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per XXXX USC 1666b, billing errors should be corrected.
Product: Vehicle loan or lease

XXXX XXXX XXXX : I mailed paid in full check to Bridgecrest XXXX XXXX XXXX : I called to verify the check was received. It was confirmed they received the check. 

XXXX XXXX XXXX : I called to inquire about my vehicle 's title and was told the Lien Release document was mailed and I am to take that form to the DMV to obtain my title. I made it known I have never received the document. I then asked if i can have it emailed, I was told they couldn't email it but she put in a request to have the doc re-mailed to me and it should arrive 3-5 business days. 

*XXXX  XXXX XXXX : I called again because I did not receive any documents from Bridgecrest XXXX This time I was told the same thing that they will put in a request again, but this time I was told it would take up to 10 business days to receive. 

They've verify and confirm my address with me each time, none of my information such my address has changed since the life of the loan.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX Date opened : XX/XX/XXXX Original balance : {$18000.00} Status : Closed. {$11000.00} written off Status : updated XX/XX/XXXX Joint loan between myself and Ex-wife. She took the vehicle and failed to pay the loan. The vehicle was repossessed ( I assisted in locating the vehicle ). That Vehicle has since been resold, the loan the balance charged off, and sold the balance to a collection agency.and I have to deal with them as well
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice  to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain  reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ). 
XXXX Reported : XXXX XXXX, XXXX {$11000.00} Closed XXXX Reported : XXXX. XXXX, XXXX {$910.00} Closed XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

Hello, sorry I have to file a complaint against USAA again. This will be my final one against them as I have open a XXXX XXXX account and will be leaving them due to this fraudulent transaction. 

On XX/XX/XXXX my payroll check was deposited {$2500.00}. That same day, USAA hot me with a {$100.00} overdraft fee. My checking account was getting low but was still above XXXX. My savings had {$92.00} in it. I would have moved the money over if needed but it wasnt necessary. USAA charges my credit card {$100.00} but they never put the {$100.00} into my checking account. I opened a complaint on XX/XX/XXXX. On XX/XX/XXXX, they said they were wrong and rolled back the {$100.00} transaction. I thought it was over at this point. On XX/XX/XXXX I got a notice about something in my inbox. I read it and couldnt make sense of it. I noticed they put another {$100.00} on my credit card and this time they put {$100.00} into my checking account. Why? I didnt need it. 

The reason I believe they are doing this is because I have some debt from my divorce in XXXX that I have sitting on the credit card. Its at XXXX interest rate as long as no new charges are accrued. Now, they can charge me interest. This is FRAUD and I am requesting you to investigate and perform in person audits of USAAs overdraft process. I the past, USAA pulled from savings first but the rep I spoke with on XX/XX/XXXX said that changed in XXXX and many didnt know about it. I did not. I have removed tgis feature from my USAA account even thou I am leaving them, I am no risking it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, all of the information on these accounts is still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Product: Prepaid card

I have trouble requesting a replacement card. 

On XX/XX/2023, I made a purchase using XXXX card issued by IncommXXXX failed at XXXX store XXXX After I called XXXX, I got case number XXXX. 

I have submitted all required information, including cpoies of front and back of gift card, XXXX store receipt and my driver 's license. 

On XX/XX/2023, After calling customer service, I was told my address has been validated and a replacement card request was submitted. I should wait 30 days to receive my card. 

On XX/XX/2023, I called customer service again and was told I should receive my card by XXXX. 

On XX/XX/2023, Called customer service again, I was told if I haven't received my card yet, she could make another replacement card request and I need to wait another 30 days.

I feel this company ( Incomm Financial Services ) is running me around without addressing my issue. Agent could not tell me when the replacement card was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Comenity Bank / XXXX XXXX account was removed from my XXXX credit report. I recently had an unauthorized charge due to fraud and reported the charge as fraud. Comenity Bank sent me a new credit card with a new account number. However, the old account was removed from my XXXX   credit report and the new account never reported. 

The following is email correspondence with Comenity : From : Comenity Bank Sent : Monday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department XXXX 
Comenity Bank issues your account and responds to all credit related inquiries. 

I am happy to go over your account with you. The accounts are reported electronically to the three major credit bureaus every thirty days. The account was reported on XX/XX/XXXX as " Current Account. '' Please allow up to 45 days for the credit bureaus to update your report. Thank you! 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, I. XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My Comenity Bank XXXX XXXX account is not being reported to XXXX. The account was removed in XX/XX/XXXX after I reported fraudulent charges made to my account. 

It is reporting to XXXX  and XXXX with the remarks " account in dispute ''. 

Can you please see that my account is updated and the trade line reinserted to my XXXX  credit report? 

Thank you
Product: Checking or savings account

After receiving a CHIME XXXX XXXX XXXX  for referring two customers to join CHIME, I contacted XXXX XXXX XXXX to report that I do not have CHIME banking and did not refer anyone. A representative who called herself XXXX, wanted my social last 4 digits and DOB. I refused and asked for supervisor and was told there was no one and that Chime Financial was an online technical bank service with no address or Country of origin. So in order to report fraud I had to supply her my info and without it she could not help me. After talking with her at XXXX XXXXXXXX XXXX XXXX on XX/XX/2022, I receive an email " Welcome to Chime, Create a password on Chime link. This is not the first incident of reported identity theft. I have never requested anything from Chime, referred any person, nor opened any account with this institution, nor their " Chat '' room. Thank you
Product: Credit card

I returned merchandise to Macy 's and filled out the form requesting credit to the Macy 's accounts. However they continually issue a gift card for which I did not request forcing me to go through the process of requesting a reversal to the credit card. However during this time they are charging me interest of the gift card and they do not issue credit for the interest when and if the credit is reverse. Right now I am waiting on XXXX reversals however I am having trouble get them reversed. Its taking to much time and I will be paying the interest.
Product: Debt collection

I was notified that Enhanced Recovery Company reported a balance for an old sprint bill to the credit bureau 's in XX/XX/2020. This debt was not only discharged in a bankruptcy, but it was also reported well outside of the statute of limitations. They arent even reporting all of the required information, such as date the account first became delinquent with the original creditor. When the credit bureau 's attempted to validate the information with them, instead of checking their records they simply reported it as accurate. To date, this company has not rectified this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the 2 disputed accounts. 

Also, Equifax failed to comply with FCRA and investigate my dispute claiming ( in my earlier CFPB complaint ) that they " didn't receive my authorization '', even though I provided them with my last 4 digits of SSN,  name and date of birth. To prevent them from doing it again I attach a copy of Equifax credit report showing the disputed accounts. 

Please investigate and delete these false disputed accounts.
Product: Vehicle loan or lease

In XXXX, XXXX, I was unknowingly and improperly added as a secondary owner/co-borrower on an auto loan with Westlake Financial Services XXXX I did not sign, authorize, or give informed consent to be included in this financial agreement. I was misled into the transaction without full disclosure of the terms or the implications of co-ownership. 

Following the origination of the loan, I had no active involvement in the management of the account. However, over the next two years, additional fraudulent activity took place. 

In XXXX, the primary owners wife, who is not listed on the loan, fraudulently submitted a deferment request on the account without my knowledge or consent. This deferment was executed using a fraudulent email address she created, and a forged digital signature that was falsely attributed to me. 

At no point was I consulted about this deferment. I did not authorize, agree to, or sign any extension documents. Westlake Financial failed to verify the authenticity of the email or the signature, allowing a major loan alteration to occur without proper authorization from a legal borrower.

These fraudulent actions have affected my personal and financial records, and I am now seeking legal recourse, including removal from the loan, correction of any negative credit impacts, and legal protection against future misuse of my personal information.