23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXXBalance {$0.00}
Product: Credit card or prepaid card

On XX/XX/2021, I reported 16 unauthorized charges to my Chase Amazon VISA Credit Card totaling {$1500.00} as soon as I saw the charges posted on my account. The Chase agent told me that they would remove the unauthorized charges. 

On XX/XX/2021, I received a letter from Chase, dated XX/XX/2021, telling me that of the {$1500.00} unauthorized charges they are responsible for {$140.00} and I am responsible for {$1400.00}. The reason given for all 3 of the charges that I was allegedly responsible for was : " You received benefit from this transaction ''. However they don't say how ( i.e. they presented no proof ). Note : All but 3 of these 16 charges occurred within 5 days. 

On XX/XX/2021, I sent a letter to Chase telling them that I dispute their assumption that " I received benefit from 3 of the unauthorized transactions '' on my account. I stated for the record that : 1. I did not buy any airline tickets 2. I did not take any flights 3. I did not authorize any other person to take any flights 4. These transactions are criminal and fraudulent 5. I have no idea how anyone got access to my data. 
And I requested that they take another hard look at this matter and get back to me as soon as they reasonably could do so. I also said that I expect one of two outcomes, ( 1 ) they accept full responsibility or ( 2 ) they provide proof that " I received benefit from the transactions ''. 

On XX/XX/2021, I received a letter from Chase confirming their previous finding that the 3 disputed transactions were valid and I was responsible for payment. They did not provide any details or proof to support their findings despite my request. 


I am a victim of Identity Theft and Fraud and Chase VISA has failed to recognize this. I reported {$1500.00} unauthorized charges and Chase accepted responsibility for only {$140.00} and said that I am responsible for {$1400.00}. The reason given for all 3 of the charges that I was allegedly responsible for was : " You received benefit from this transaction ''. However they don't say how ( i.e. They did not provide any details or proof to support their findings despite my request )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me.
Product: Credit reporting

On XXXX/XXXX/2015 I disputed an inquiry on my credit report directly with XXXX via certified mail. The letter was received, but there has been no response. Please remove this item from my credit report immediately!
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. I, therefore, insist on a thorough and immediate investigation to remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXXBalance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX  Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX  Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$960.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$4100.00}.
Product: Debt collection

On XX/XX/2020 I sent a Debt Validation Letter to LVNV Funding for a collection notice I received in the mail about an account with a full balance of {$830.00}, today is XX/XX/2020 more than 30 days after and I have yet to receive any response back. However, I assume they did not respond as they have no validation for the debt because the collection has been deleted from my credit reports.
Product: Credit card

There is a negative mark on my credit report which is untrue and needs to be removed. I 've contacted the company several times via postal mail but have, to date, received no response. This debt was satisfied via having my wages garnished.
Product: Bank account or service

On XX/XX/XXXX I was awarded FAFSA ( XX/XX/XXXX was awarded Federal Work Study ) from XX/XX/XXXX, but instead of sending me a check I have to either choose a service between either a " Wolverine Card '' or Direct Deposit service provided by a company called XXXX ( XXXX ; the company ) ; XXXX does not issue checks. XXXX, both on their website and at the financial aid office, has authorized this company to release of these funds by my only XXXX options. 

XXXX explained I should have receive the funds BY XX/XX/XXXX but within XXXX business days from time of award letter. I did not understand the statement so asked for clarity. She explain, by example, that if I had been awarded on the XX/XX/XXXX then they have XXXX business days to deposit the funds, but if I was awarded on the XX/XX/XXXX then I would have to wait until the XX/XX/XXXX of XX/XX/XXXX. 

It has been well over XXXX business days so I called XXXX at their toll free number. The customer rep informed me of XXXX things : XXXX Unless I get a card from them they will not release the funds 5 days AFTER the XX/XX/XXXX ; XXXX That from his screen he was only permitted to view my deposit information ( invasion of privacy to give reps display of bank account router and account number ) ; and XXXX and if I wanted my funds before the XX/XX/XXXX I need to get the card. This is extortion similar to the banking practices of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

File a Complaint against Self Financial , Inc. : submission succeeded Thank you. Your complaint has been submitted. 

Your complaint case number is XXXX. If you provided an email address, you will receive an email with a link to your case within approximately 48 hours. You may click here to print a copy for your records. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 
I filed a complaint to Self with the XXXX  since on my XXXX report and is not reporting correctly for my XXXX XXXX Credit Card and is impacting my credit score lower than what it should reflect. I stated please provide XXXX the updated XXXX Credit Card limit along with credit usage. Attached is the incorrect reporting to XXXX. Account XXXX I need someone to contact me from SELF. XX/XX/2022 XXXX XXXX  I received a Notice of Adverse Action My account was closed for no reason stating Description of Action Taken : Termination Account closed - unable to verify customer information. I have not been asked verify my account all my information is correct. I have been making excellent payment history on time never have been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently emailed the company regarding the late payments on my credit report and have yet to receive a status and or update of the results for the removal of the late payments being reported to my account. All payments on my account are current and up to date, and I would love to receive a resolution to this matter.
Product: Checking or savings account

Opened Promo account in XXXX and have been trying to fix spending hours each day. XXXX is all I dealt with and she does not read or know anything. Today XXXX shes says i need restatements which she set up but didnt tell me i need to do it from us bank app too.
Product: Money transfer, virtual currency, or money service

To whom this may concern ; On XX/XX/2022, I made a cashier 's check deposit ( issued by the IRS for an income tax return ) in the amount of {$30000.00} to Huntington Bank. 

I entered the branch to open an account as a returning customer, and was told by the company that : a. I was in good standing with them, and there were no flags nor issues with getting a new account, and b. that I was guaranteed to have my money available by the next business day. I deposit said cashier 's check to my account with Huntington. 

On the same night of XX/XX/2022, I received an email from Huntington saying that a hold was placed on my deposit until XX/XX/2022. I was not informed by Huntington in any form or fashion, that a new account would hold my cashier 's check, nor that there were any flags nor issues upon the creation of the account, and/or initial process of the deposit. 
Over the course of the week between XX/XX/XXXX and XX/XX/XXXX, I have made multiple attempts to contact Huntington by branch and phone to find some resolution or understanding about what had happened. XX/XX/2022, I spoke to a Huntington customer service representative, who claims that my account was now going to be closed over an 'issue ' with a previous account ( i.e said previous account was closed by my request, after a multitude of faulty charges kept coming through, and I did not wish to have the account anymore. ) Huntington claimed that my account had been charged off, when in fact, I followed all steps to close the account myself, in perfectly good standing with the bank. I was then informed that I could not do anything about my situation, other than wait for my deposit hold to clear, so that I could enter a branch and withdraw my funds in time. 

Huntington essentially told me that I had to race against both the bank and time, to attempt to see my funds that I had entrusted them. XX/XX/XXXX, XXXX XXXX again contacted Huntington to attempt to collect my finances. Instead, I was told that my account was now marked for closure, and that I could enter a branch, but there would be nothing they could do for me. They continued on, stating flatly that I had to wait for a check to be sent to me by mail, and that I could not access my account in any form. 

I have no access to any of my funds or account, I have not performed anything fraudulent, my funds came directly and were verified from the IRS, I have lost my cashier 's check unfairly, and I feel that I have been both financially sleighted and lied to about the bank 's processes, by Huntington Bank.
Product: Student loan

hello i graduated in XX/XX/XXXX 2010 when at the top of the great recession was happing i went to XXXX and i still can not find a job in my field witch is visual-communacation i.e ( advertsing ) i have told, fromer XXXX, now navient that i am working part time at XXXX and my mom, lost her income and now i pay all the bills and they dont care .i am the working poor they kept threathing me with wage garish, and if they do i am finacly runined..
Product: Debt collection

This is a credit card that I shared with my ex husband. The card is in my name only, but he had a card with the account. One or two years ago he turned this debt over into my name. We have been divorced for 10 years now. I am no longer liable for this debt. Discover Card Services.
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/XXXX around XXXX AM Central Time, I went through the app OfferUp looking to buy an electronic device called a Steam Deck. I came in contact with a " seller '' named XXXX. We talked about price and we agreed on {$800.00} and that we'd do it through cashapp and he would give me a picture of " his ID ''. After this we carried the conversation over to texting. I gave him my address for shipping and sent him the money. We continued talking for a very short time after. Once I asked for a tracking number he had already blocked me on everything and proceeded to wipe his offerup account. Since then I have contacted XXXX and they didn't help me receive my money back. Was then told to report a fraudulent charge to my bank so I did. And have also yet to see any progress with that. I have screenshots of all of this by the way. I also have no idea if that ID is the offender 's or not as it could easily be stolen for someone to just put themselves out there like that when scamming. I tried reaching out to my bank. They decided against me even with police reports and mountains of evidence of getting scammed and never receiving the product. The same thing happened with XXXX XXXX. It's unreal how scammers can just get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This should go to a Supervisor, not just customer service, tey don't careand wont do anything. 
XXXX  reported derogotory information on my credit file. They charged it off. {$2500.00}, who would order this cheap stuff from XXXX XXXX 
I told them, tie aftertime, I didnt order. They said they have a tracking report. I've asked for two years for copy of the tracking report with my singature. They have not sent " tracking report '' to me but keep insisting that I ordered items # 1.They say items were sent to XXXX XXXX XXXX. XXXX NJ. 
XXXX XXXX XXXX is a auto business. I did not receive or sign for toys. Iasked for tracking of all items ordered and even the ones not paid for. I asked for delivery addresses, all of them. Never received information. I'm XXXX XXXX XXXX. I do not order toys, women clothes, etc. 
# 2. This account was opened from XXXX and they still updating my credit file as of XXXX. 13 years later. Mine or not, it should be off. Deleted! 
# 3. They said account was purchased from another lender. This lender instructed the three major reporting agencies to delete the above reference but someone at XXXX continue to report. They noted that they have no further obligation regarding this acount. I told them to investigate and they deleted the collection. 
( I will mail you the copy of letter ) XXXX will not send tracking, dates of items received or MY signature that I signed for items, as I have requested. 
I have contacted Experian, they stated information accurate, however information unrelated to your dispute has been updated. 
# 4. How can it be accurate, if it is not my account. They say I owed {$1200.00} but now I owe {$2500.00} which was written off. As of XX/XX/XXXX, they noted my credit file again as a collection. This acount is closed, not in collection, ( have copy ) and should have been deleted long ago, But they continue to report. I have wrote letter after letter with no help. Its show recent balance 0, but noted as Collection account which has dropped my credit score by atleast 30 points again this XXXX when they added collection back to my account. 
# 5.XXXX are trying to force me to pay for something I did NOT order! 
If they allowed a cousin, family member, XXXX, wife, son, daughter, X-wife, X- girlfriend, just someone/anyone to accept items in my name, I am not responsible. Iam not a XXXX buyer.I want this removed immediately, I've been trying for years already, so I decided to come to you for help. I talked to an officer, can not get a report from 13 years ago when account was opened. Please delete!
Product: Vehicle loan or lease

Check was cashed for the lease buyout over 2 weeks ago and I still haven't received the title. It's been over the 5 business days alotted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; XXXX  ) comply with the investigation requirements ; XXXX ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; XXXX ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; XXXX ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : 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 or other personal consumer reports

Because you failed to process my letters and more than 30 days have passed, it is a breach of my consumer rights. I consider this an intentional disregard of my rights, and I will seek legal action by contacting my lawyer if this account is now not deleted! This is no longer a request for investigation, but for deletion. XXXX - XXXX or I will contact a consumer attorney and submit copies of all of the 'stall letters ' that I've received from your bureau in the past 12 months!
Product: Credit reporting

I am a victim of identity. The following inquiry is unauthorized and fraudulent : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As shown in the document provided IC Systems is reporting incorrect and conflicting information on my credit report. I have no knowledge of this debt and this looks like an account that was opened during the time that I was utilizing a different XXXX for internet and cable. I believe this account ws open fraudulently and I may have been the victim of identitiy theft during the pandemic.
Product: Student loan

have been employed in XXXX XXXX for over 20 years and in student loan debt for just as long. Specifically, I have worked in public service at a qualifying employer prior to the implementation of PSLF in XXXX until now. As such, I would have been eligible as of XXXX. XXXX XXXXXXXX was my loan servicer. As a loan servicer, it was difficult to get information about PSLF/repayment plans as well as their ever-changing criteria. I was always told I had the wrong loan type or repayment plan resulting in my payments not counting towards PSLF. The Cares Act suspended student loan payments and waived interest between XXXX and XXXX. However, I made consistent payments during this time. Additionally, I was able to qualify for loan forgiveness solely due to the temporary changes made to the Public Service Loan Forgiveness ( PSLF ) program between XX/XX/XXXX and XX/XX/XXXX. In XXXX, my loans were forgiven and I was determined eligible for PSLF as of XXXX. As I believed my eligibility date should have been XXXX, I sent verification of my qualifying employment during XXXX to XXXX and Department of Education as they both instructed for reconsideration of my PSLF eligibility date. As stated, Ive gotten emails from XXXX indicating that there was a refund of payments that supposedly came in a lump sum but they refused to provide additional information such as deposit details or verification. I have filed complaints about them with the Department of Education to no avail. Neither corrected my PSLF eligibility date NOR issued a refund for any and all payments made since XXXX. Immediately upon being notified of the forgiveness, I no longer had online access to view my payment history on XXXX website. I attempted to contact XXXX by phone and email spending countless hours on hold and back & forth emails with no resolution. I am due a refund for overpayments since XXXX. XXXX XXXXXXXX redirected me to the Department of Education, and vice versa. XXXX insisted they issued a refund but provided no other information and consistently redirected me to the Treasury Department. I am due a refund in excess of {$12000.00} plus interest. They should incur the same late fees and penalties we have to incur as borrowers in this student loan debt scheme. I am long overdue a refund for all overpayment/payments made since XXXX. Conveniently, XXXX discontinued their loan servicing while outstanding debts are owed and transferred accounts to Mohela. I have made several efforts to contact XXXX XXXX prior to their discontinuation of loan servicing. I was directed to Mohela although my loans were forgiven. I also received correspondence from Mohela THEREAFER stating that my PSLF is under review. I contacted Mohela by phone for additional information but was told there was no record of me/my accounts in their system. There continues to be a lack of communication and transparency. Neither the Department of Education, MOHELA, or XXXX has taken steps to get this matter resolved. 

T