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

On XX/XX/22, I went online to find XXXX support; found the telephone number of XXXX. Called the number, the representative ( rep ) told me to download the app XXXX so that he can verify that I was the person associated with my XXXX account. I didn't know that downloading this app gave the person access to my accounts. From that moment the rep advised me that was he was sending verification codes. At that time I wasn't aware that the verification codes was actually money coming from my account via XXXX. Later I found out that since the person had access to my phone he deactivated my XXXX account. Later to be told that a text should had been sent out to verify that I was the one making the transfer. I can only assume that it was intercepted by the scammer. I never received any alerts. The amount that the scammer transferred via XXXX was {$1400.00} ; XXXX different transactions. 

I was advised by the rep at NFCU to change my phone number, in which I did. The fraud department has handled my fraud claim very poorly. I didn't hear anything regarding my claim as far as documents needed to support the fraudulent claim. I just so happened to log into my account XX/XX/22 and notice that there was an adjustment to my account. Call customer service and was advised that the fraud claim had been denied. Request that she transfer the call to the fraud department. I was placed on hold, when I was told that the fraud department states that they are unable to speak with me. Suggested that if I wanted to appeal the decision I go do so with online banking through a message. What type of customer service is this? Of course I asked the customer service representative questions to only hear that she is sorry and not sure of the answer. I later called back to report this incident the fraud department manager. During the call she had the phone on mute the entire time. After I go into this long spill of what happen and how frustrated this has been, there literally was a an awkward moment of silence. Then she unmutes the phone and says I am so sorry XXXX XXXX. She claimed that she will put on message on my fraud account. 

I just want my money back. I NEVER authorize this charges via XXXX. I questioned the manager in the fraud department what does FDIC secured mean. She states that the fraud department role is to get my money back if possible. If not, then they have the option to refuse to cover the fraudulent charges. Overall, this doesn't make sense, so what is the point of securing money in a financial institute if people can steal your money and the customer is left with dealing with this chaos. Dealing with the credit union not asking for documents when I initially filed my fraud claim has caused emotional, mental and a financial burden. Having to process someone taking money from your account and I never authorize it has been an ordeal within itself. More so the way the scammer took my money has been mind boggling to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX sold- Account type Open account Date opened XX/XX/XXXX Status- Status updated XX/XX/XXXX This account is incorrect this account is with capital XXXX that its last negative report was well over XXXX  years ago this account did not open in XXXX and does not belong to XXXX  XXXX. this needs to be deleted completely from my report The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately
Product: Credit card or prepaid card

I was Not made aware this was on line banking only when I opened and that I would have No Access to this Account Due to my XXXX XXXX I have had a XXXX income for 15 years USAA is responsible to Notify me I will have No Access to Monitor and Manage my Account. to remain safe. and protected
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to JPMCB - CARD SERVICE agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting JPMCB - CARD SERVICE agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit card or prepaid card

XX/XX/1932 charges i will attatch the papers from the declaration of fraud that i filled out ... i attatched also the denial letter. also made police report
Product: Credit card

I had a Navy Federal Credit Union XXXX Credit Card, but I needed help to keep up with the payments. The credit was closed by the credit union for over seven years ago. However, I also have a mortgage with the credit union and plenty of equity in my home. When asked if I could get a home equity loan using my home equity, I was turned down due to the old credit card. 

When I asked why I could not use the equity in my home, I was informed that it was because of my previous Visa. I could get a loan if I paid off the old credit card I owned. I could, which is more than seven years old.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue I have recently discovered on my credit report that requires your prompt assistance and resolution. Upon reviewing my credit report, I noticed that there are late payments inaccurately reported on the account mentioned above. Im very confused why this one seems to ignore my requests. These late payments are not reflective of my actual payment history with the creditor, and I believe there may have been an error in the reporting process. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX  - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service. 

I understand that maintaining an accurate credit report is crucial for financial well-being, and I am confident that this matter can be resolved amicably. I kindly request your assistance in correcting this discrepancy promptly. 

I appreciate your prompt attention to this matter and believe that with your assistance, we can rectify this situation efficiently. A correct credit report is essential for various financial transactions, and the accuracy of the information is crucial for maintaining my financial integrity. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution, and I trust that you will update my credit report accordingly.
Product: Vehicle loan or lease

I submitted a Lease Payment Deferral Agreement with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX ( not 30 days late at this point ) to defer XX/XX/XXXX payment. At that time I paid the deferral fee in the amount of {$120.00}. I requested for the Deferral documents to be emailed to expedite the process time to ensure that the agreement would be processed in a timely manner. I did not receive the document on XX/XX/XXXX, therefore I contacted XXXX on XX/XX/XXXX to receive the documentation needed, I was advised that the email was sent, it takes a few minutes to be received. I attempted again on XX/XX/XXXX to receive the documentation and I signed and returned the documentation by fax receiving a confirmation of receipt. I contacted XXXX early XX/XX/XXXX to see if the information was received and I was advised that the deferral was not processed at that point and I was advised to call back. I contacted LFS on XX/XX/XXXX to learned that the documentation was not received or processed, therefore I sent the documentation again. At this time the Hurricane Irma had made landfall in the Florida/Georgia and we were forced to evacuate. I learned a week later that the deferral was not processed until XX/XX/XXXX and a 30 day late payment was applied credit to our credit report. A dispute was sent to the dispute department and denied stating that the payment was already 30 days late which is incorrect. This account has never been 30 days late.
Product: Debt collection

Mendelson Law Firm did not inform me that I could dispute the debt and threatened to garnish my wages on a debt that had passed the statute of limitations. I did not receive any notice until, the notice stating that a judgement against me had been made and I did not want them to garnish my wages, and agreed to make payments. I have made five payments on the debt, but the debt amount is not showing a decrease and I am not receiving statements with new amount owed. 

Also, the company bought the debt for much less than they are charging me, yet they are charging me the original amount plus fees. They paid less than {$1500.00} for the debt. They are charging me over {$5000.00} which should not be legal. 

I have made payments every month since the agreement. They agreed on XXXX per month, but I have been paying {$50.00} every month.
Product: Credit card or prepaid card

On XX/XX/2022 I was online making a payment on another card I held with Chase bank when I noticed that it said a different account had been closed. I had never received notification that this account had entered inactive status and would be closed if I did not use the card. I called Chase and the representative I spoke with advised me that they were unable to re-open my account and informed me that a letter was sent in XXXX via regular mail. I have an issue where I do not receive a lot of the mail that is supposedly sent to my physical address. The agent was unable to help me and escalated the call to a supervisor who also was unable to assist and advised to contact another department that was currently closed. Chase was unable to schedule a call back and refused to assist me further, effectively passing the buck. The notice was not sent via certified mail and as it did have significant impact to my credit score due to the length that trade line has been open I advised I would be filing a complaint. After further review I was able to locate the document stating the inactive account warning in my online banking, however this was too late and I feel the significance of a closed account warrants a physical letter that is certified to ensure receipt by the consumer when it comes to something as impactful as this with regards to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX Santander Consumer USA This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. Santander is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I sent out a certified letter to Experian which was received by them on XX/XX/2017 regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. Experian sent me a reply by email on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position.
Product: Credit card or prepaid card

The following account sent in attachemnt is not ours, I had an HomeDepot account in XXXX and paid it off and then they back charged me interest and I had to fight for them to fix it. I would never open another account with Home Depot so I know for a fact this is not ours and in XXXX we sold our house so there is no reason in XXXX we would need anything from home depot. I called the number and they have no account on record for either me or my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was contacted by this company I informed them that the credit card from XXXX XXXX is not mine and was opened in my name. they sent me a letter back regarding the validity of this account and was unable to provide me with anything. I contacted XXXX XXXX in regard to the account and they stated it was owned by the portfolio recovery associated. This collection account has appeared on my credit report and is erroneous and should be removed. I have request validation and have received nothing. Please remove this information from my credit report it is causing a hardship on my score.The company stated it would send me a detailed payment statement for this account but they could never produce that because I have never made a payment on this account as it was not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letter to transunion requesting verification of bankruptcy on my credit report I know that there company uses an electronic method to verify public records. Iam aware that my local courthouse does not offer verification this way. So how and why are they reporting unverified bankruptcy on my credit report.
Product: Credit card or prepaid card

Date : XX/XX/2021 Amount : {$78.00} Order # XXXX Sezzle refused to resolve a damaged product/service I received and refund me. 
The company is refusing to honor the Consumer Protection Laws established in the state of Texas
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TransUnion 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 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

I have on several attempts made contact with XXXX XXXX XXXX about an account ending in XXXX and asked to remove this inaccuracy from my consumer file .... XXXX XXXX, Customer Service Department informed me that this account had been sold with out my permission to a collection company on XX/XX/2018 i received this notice ... I have not approved of this account and it has not been verified or validated, but to learn that this card whom which i did not obtain has been sold to a collection agency i am asking for immediate removal as i have no contract with XXXX XXXX XXXX nor do i have a contract XXXX XXXX XXXX this is violating my rights under the FCRA..My personal information is once again in the hands of someone whom i have not authorized to be ....
Product: Checking or savings account

I bank with Chime banking. On XX/XX/2024 I sent an electronic check from my checking account to XXXX XXXX for {$4500.00}. XX/XX/XXXX Chime is claiming that this check was cashed. Which it in fact was not, it was returned from XXXX XXXX XXXXXXXX ( where chime has their account to mail out checks ) XXXX XXXX XXXXXXXX flagged their own check as altered/fictitious and pulled the money from XXXX XXXX account . 
However, chime is still claiming the check cleared just fine and that they will not file a dispute or make attempts to resolve this problem to return my money back to me. As they withdrawal the funds immediately on XX/XX/XXXX when I mailed the check from my online banking.
Product: Debt collection

I had internet through XXXX in XXXX, XXXX. In XXXX of XXXX I called and requested that my account be closed. I was informed of the amount owed and instructions for me to return my equipment. I paid my last bill in XX/XX/XXXX and returned the equipment which was a router. In XXXX of XXXX, after no communication, there was a collections placed on my credit report in the amount of {$290.00} in XX/XX/XXXX and a creditor called me. I didn't receive a letter 30 days prior as I had recently moved. I told them I was disputing the account because I returned the equipment in XX/XX/XXXX. They told to call XXXX to dispute it. I did and they opened a ticket to look for the equipment and review notes on the account. I disputed with XXXX and the amount was changed to {$300.00}. XXXX searched for the equipment and found it. They emailed me and called me letting me know but then stated I still owed a bill. They then changed the balance owed to {$98.00} on my credit report in XX/XX/XXXX. I have disputed again ; then in XX/XX/XXXX the balance changed to {$84.00}. How is it possible for this collection agency to report XXXX erroneous amounts to my credit report? The equipment was found and my last bill was paid.
Product: Credit reporting or other personal consumer reports

This is my fourteenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX CREDIT XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX  XXXX Balance Owed : {$1400.00}.
Product: Debt collection

Calls started XX/XX/XXXX they have been constant almost everyday 2+ plus time a day. I asked them to please stop calling me especially during work hours on XX/XX/XXXX i stated my work hours are XXXX XXXX  - XXXX XXXX  XXXX and I can not have my phone blowing up. Also sent a letter back to the company when they threaten to garnish my wages and told them they can not do that as I have no knowledge of this debt. They told me I borrowed money in XXXX  and I informed them I have never heard of them and I have no knowledge of it and I had reported identity theft in XXXX and XXXX they will not stop calling and I have them blocked until they find another number and they will start again. Also what's on caller id is different to like they don't want to be known as what they are
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Debt or credit management

I have a Progressive insurance collection that is still reporting and updating every month. The account was settled for the less amount and the agreement was to delete after XXXX from payment this collection is still show on my account on XXXX and XXXX. I want Credit Collection Services to this removed this item in full
Product: Student loan

I completed a borrows defense repayment, school gave false advertisement about how they can help students and I did not receive any help from staff after XXXX I never used my certification and I was sent to internship program that was not hiring ( False advertisement )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to remove XXXX XXXX  off my report. I do not have access to that account. 
They refuse to remove it. I am not an authorized user on that account at all. They also re inserted back XXXX XXXX and XXXX  XXXX back without a 5 day notice. They are violating FCRA. I disputed those items and had them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit