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

Starting on XXXX, small amounts of money were being taken out of my checking account, in small increments ranging from {$100.00} to {$500.00}. I was involved in a fraudulent scam where money was taken out of my checking account with the main intention of being able to get my money back with some interest from an investment. I was speaking to this person mainly through the XXXX app and this person kept taking money out of my account and they took a total of {$16000.00}. I found out about this fraudulent scam about a month later, so I spoke to the claims representative at Chase Bank regarding this situation. I wanted to be able to get the debit charges reversed to get my money back since I never got my money back and was basically lied to the entire time. Still, unfortunately, the claims and fraud department denied the claims, stating that " because I authorized the charges, they were unable to reverse the charges and they are unable to stop the pending charges as well since I authorized it. '' I also asked if there were any other solutions that could help me get my money back, but the only thing that the bank said was to contact the XXXX XXXX department since they are the company that took money out of my checking account to see if they can reverse the charges. 

I also spoke to the XXXX XXXX department as well since the scammers also took money out of my XXXX XXXX account and they also denied my claims as well since they claimed that the only way to get my money back was to ask the scammers to send the money back and they are not able to stop the pending transactions. Before consulting both Chase Bank and XXXX XXXX, I already went to the police department to file a crime report on my stolen money due to a scam and filed an FTC report against the scammer. I already explained to both companies about my situation, but they both said that they are unable to help me at all.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I was contacted by Discover card 27 times. I have never been late and have remained within the confines of my credit limit. Finally, on XXXX/XXXX/XXXX, I answered the phone and was told that Discover was worried about my usage and would I get a {$40.00} credit for paying them on the phone before my due date. This is a clear and wanton violation of the FCRA. I am sure you have similar complaints. If this is not addressed, I will file suit against Discover Card and include the United States Department of Justice as an involuntary plaintiff. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues are being ignored, and I feel taken advantage of! I have previously contested this account, as I can tell that you are reporting false information. The opened, last reported, and last active dates are incorrect!!! Even so, you fail to verify this account!!
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there are inquires from several companies I did not initiate, request and/or conduct any business with these companies. XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

To Whom It May Concern : I have been working for the XXXX since XX/XX/XXXX and have been making payments since XX/XX/XXXX. My loans are from XX/XX/XXXX and XX/XX/XXXX. I 've paid at least {$60000.00} on {$61000.00} original principal of my loans. According to my Account Summary, I owe another {$60000.00}. I am currently on the Level/Extended Repayment Plan. 

I have two complaints : 1 ) How can I owe double my original principal ( {$120000.00} vice {$60000.00} )? 

2 ) At no point, did Navient assist or inform me that I would be eligible for Public Service Loan Forgiveness if I was an a qualified income-based repayment plan. Since I am on a Level plan, I apparently have missed out on this eligibility. 

As a result of these two complaints, I have been harmed as a consumer. 

I will be submitting this complaint to Navient and to the Department of Education. 

Please advise accordingly. 

Best regards, XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken Loans reported our account 30 days late when we have never been 30 days late. 
We refinanced our mortgage with Quicken Loans and closed on XX/XX/2018. They reported our account 30 days late on XX/XX/2018. 

Quicken Loans acknowledged that this was an internal error and stated they would remove the 30 day late payment from my credit reports. The 30 day late is still showing on XXXX and XXXX  which is preventing me from refinancing my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received loan application with my information on it without my consent. I have no applied for any loans/credit cards or anything credit since XXXX XX/XX/2020 when I consolidated with National debt relief. Please remove these from my credit reports.
Product: Credit card

I was shopping around for an airline ticket online when a Citi AAdvantage advertisement popped up offering {$100.00} discount on the ticket. I applied for the card and purchased the ticket expecting the discount to be applied before finalizing that ( the ticket ) transaction. It did n't happen. I called Citi and I was told NOT ONLY that a {$100.00} would be credited to the account once I were approved, but ALSO that I would get {$100.00} off of EVERY XXXX ticket I purchased during a year. Tomorrow the cc is due so today I checked the statement online and learned nothing had been posted. I called Citi again and I was told the credit would appear in the next billing cycle. Explanation as to why it was n't on the first statement was that the cycle ended on XXXX XXXX and up until that day I had n't used the card yet. It did n't make an sense to me. If the XXXX cycle ended on the XXXX and the balance was XXXX, why was n't the {$100.00} posted to the account in the XXXX ' cycle? Tomorrow my XXXX payment is due so today I printed the statement, walked into a Citi Bank and paid off the balance. I also talked to a, I believe he said, personal adviser. This employee made a phone call and then informed me that the offer is actually UP to {$100.00} credit on purchases made on board of a XXXX flight. 
I 'm an educated person. I can read. None of this nonsense was in what I was offered and accepted.
Product: Debt collection

Rent DEBT Automated Collections is stating I owe {$3800.00} This is inaccurate information listed on my credit bureaus. 

I am requesting this account be removed from my credit report. 


Account name RENTDEBT AUTOMATED COL Account number XXXX Original creditor XXXX XXXX Company sold - Account type Collection Date opened XX/XX/XXXXXXXX  Status Collection account. {$3800.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LexisNexis by dispute letter and vocally by telephone multiple times. I had very sensitive information, from a law firm, arrive by USPS opened. I filed a report with the Sheriff 's office and the OIG USPS. I will enclose a copy of the Sheriff 's Report. 
I will attach 3 letters to LexisNexis requesting my ID information to be Updated to only XXXX XXXX XXXX. 
LexisNexis has, at best, reduced the name count to only 3 name records. What I have found is that LexisNexis will keep adding names to the ID section of my consumer credit report. The latest report I have from LexisNexis - Consumer number XXXX, Case number XXXX, Dated XX/XX/XXXX. XXXX, Pages 4-8 of 92 shows 5 pages for a total of 23 Name Records. I will attach a copy of this report. Some of the Information goes back XXXX to XXXX XXXX XXXX. Some of the information is doubled up, has address I have never lived at. By law FCRA section 611 Information is to be reported accurately and completely or be deleted. I have lived at my current address for over 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX and XXXX reporting incorrect personal information on my credit reports such as my name, address, Wrong balances and open date. This is considered as misleading and is hurting my credit. My next step will be taking the agencies to court.
Product: Vehicle loan or lease

This is a supplement to my complaint filed XX/XX/20 against Bridgecrest. They illegally repossessed my car even though I've never had a late payment and all payments were up to date. They charged me {$910.00} in fees ( {$290.00} repossession fee, {$270.00} for a key, and {$340.00} for impound ) plus I had to pay the entire loan balance or they were going to sell the car at auction. They admitted they never really ordered a key for {$270.00}. They will not give me a receipt for the {$340.00} impound. They sent me their transaction history and said that is good enough. However, it is not good enough. I need a receipt that says what the {$340.00} was for. The transaction history does not say. My insurance will not reimburse me without a receipt. They have stolen money from me and refuse to return it. Also, they said they are reporting the repossession on my credit report even though I've never had a late payment and the loan is now paid in full. Please investigate these people. They are scam artists. I have spent hours on the phone with these people to no avail. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my credit report and found that there was a couple of inaccuracies in it
Product: Debt collection

This corporation sent correspondence on XX/XX/2022 to me without my prior consent which is unlawful. In this communication they alleged that I owed a debt of {$7100.00}. This debt was and still is disputed and there is no proof of investigation that was lawfully completed that proves evidence of my indebtedness to this corporation for any amount. I have attached a notice of dispute that was sent to this company, along with invoice for violations of my right to privacy and the false and misleading debt collection practices committed by the corporation which has caused damage to emotional state and injuries to me and my character by defaming me as a natural person and consumer. Lastly in the attachments of this complaint is a breakdown of some of the violations committed in this debt collector communicating with me. I am invoking my specified remedy as per 15 U.S. Code 1692c ( c ) ( 2 ) by and through this invoice being paid in full by XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Very early on the morning of Thursday, XXXX XXXX, 2020, I awoke to an alert that has been sent at XXXX XXXX from Experian, explaining that a hard inquiry had been registered on my credit report. Since I had not made this inquiry myself, I contacted Experian to contest the hard inquiry. I was further advised to file this report with the CFPB.
Product: Credit reporting

I believe my ex wife is not reporting my address/phone number to the pediatric doctor 's office our children go to. About two years ago, I discovered 3 charge off for medical bills from XXXX in XXXX, XXXX. The collection agency 's name is Consolidated Recovery Systems which also is in XXXX. After reviewing my report, I contacted XXXX and advised them I did not receive a phone call nor any bills from them. The call taker advised my ex-wife had told them she did not have any contact information on me in which she does. I also did not receive any phone call or written notification from consolidated recovery regarding the charge offs. Now I have the same problem again where I just pulled my credit report and found a {$91.00} charge off from XXXX from XX/XX/XXXX and it was updated on my credit report by consolidated recovery on XX/XX/XXXX. My ex-wife has my address and phone number and when I last spoke to XXXX, my number was the same as it is today. I relocated to XXXX, XXXX in XX/XX/XXXX and I have not received a phone call nor a letter from XXXX or consolidated recovery regarding this adverse account. Please help because I do n't understand how I 'm constantly receiving charge offs without notification and it 's damaging my credit. Had I not pulled my credit, I would n't have known about the charge off. It seems to me, there are no thorough attempts to contact consumers from consolidated recovery before they report charge offs. With technology today, It is not hard to locate anyone so I do n't understand why I 'm not being contacted. Whether my ex-wife is intentionally not reporting my address ( responsible party ) or the pediatric office fails to make attempts, I would expect consolidated recovery systems to do their due diligence before placing a charge offs on my report.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Checking or savings account

I recently opened a checking account with US Bank and tried to make a direct deposit, but it didn't work right away, so my company gave me a paycheck. 

So on the morning of XX/XX/XXXX, I scanned and deposited it through the US Bank Mobile App, which I downloaded.

The US Bank App said there were no issues and it was complete. 

However, after a while, I received an email saying that my funds are being held and will be held until XX/XX/XXXX to verify. 

Does this make sense? How am I supposed to live if they hold my paycheck for XXXX weeks when I need to use it for living expenses? 

Also, the amount that was deposited is not reflected in the total amount in my account and it's hard to find the transaction. 

So, after a difficult phone conversation with an agent, she says she can't even see that I deposited it in her system and tells me to visit a branch. 

There are no US Bank branches near where I am and it takes me forever to get to the nearest XXXX. 

I used to use XXXX XXXX before. XXXXXXXX XXXX usually reflects it the next day and if it's a large amount, the XXXX says it can't be processed. 

I can't cancel it because it's already been processed, please help me get it to reflect in my account right away.
Product: Vehicle loan or lease

Original loan was Wachovia later was then Wells Fargo. I attempted to tell them payments were made via XXXX XXXX. Vehicle was repossessed illegally.I had to drive to XXXX to get vehicle back. My credit was adversely affected for years. In XXXX the vehicle sat inoperable ( I had put them on notice where it was as they sued for possession in XXXX XXXX XXXX ). No communication even as I became a widow and was financially devastated. I did receive a small cashiers w no explanation in XXXX. My credit is still trashed. Also had a small balance taken by Wells wo notice. The suit should in public records and needs removed.
Product: Debt collection

XX/XX/2022 I received Collections letter from one advantage I called The XXXX XXXX to educate the agency that the I was in an active bankruptcy and shouldnt get calls nor letter and to cease and desist I was hung on on the first call the second time I was Transferred after giving the reference number to the agent she said I had the wrong department called again hung up on called a third time asked for a supervisor I was told the supervisor wasnt available hung up on again
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/2023 I closed my money market account with Truist. I was then told i will be able to receive my {$1000.00} balance in 30 days. I have called numerous times after the 30 days. Each time I call Truist to speak with someone regarding my funds I am told something different. I was told I owe the bank {$11.00} ; I gave permission to have it deducted from the balance. The acct was closed in XXXX, yet Im still being charged interest. I just spoke with the bank again today was told that there is a hold on the funds. Noone can explain to me why? I just want my money from Truist that belongs to me.
Product: Credit reporting

On XXXX XXXX, 2015, an unauthorized inquiry was placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has XXXX payday loans on my credit file with Experian as they stated in a letter there Experian now or the same company. I have not applied for no on line loan with XXXX or any other on line company or any pay day loan. XXXX XXXX XXXX XXXX is no more than fraud. I have file an complaint with the US attorney office as the justice department on Experian & XXXX XXXX XXXX for and by I'm on OPT out and Experian is using a another company to use deception with merges etc.
Product: Debt collection

I am writing this letter to bring to your notice the following information added to my credit report. The National recovery agency are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect, and I request you to revise the report after due diligence. This was added to my Credit report on XX/XX/year> with the amount of {$2100.00}. I have reached out by phone and they haven't been able to give me a response.
Product: Debt collection

Transworld Systems began garnishing my paycheck for a credit card debt in XX/XX/year>. The debt was paid in full in the third week of XXXX. However, Transword failed to apply one of the payments they received my employer, which led to them charging additional interest and garnish a part of my tax return that has not been refunded. Fast forward to XXXX and even with me sending them proof that my employer paid them, Transworld has not applied the payment nor refunded the {$1100.00} they garnished from my taxes. Proof of payments and communication are available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$570.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance Owed : {$0.00} This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$100.00} Reporting unknown which means it's incomplete, please delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion added to comments on closed accounts one acct has been closed since XXXX the other closed in XXXX when the added the comments they lowered my credit score by XXXX points! Can they purposely lower my score by me asking to have old or paid accounts removed from my account? This is the XXXX time I have disputed info and everytime I do they lower my credit score I checked and the only difference in what the did is add to existing comments. Is that even legal and can they legally because I dispute incorrectness in their reporting lower my score? Lowering it XXXX point is a lot for adding to comments they have also refused to remove the collection XXXX even though it shows as I sent copy that shows the XXXX XXXX accts that they said the removed is the account they are showing as the XXXX account please help me straighten this out I am disputing these items to bring my score up not to have them lower it XXXX the other credit reporting agencies did not lower my score at all when the added comments in fact they went up not down
Product: Checking or savings account

I was not able to log into my online banking, when I called them they said it was because my accounts were being closed. I did not receive any information or notification whatsoever. I had deposited my fiancs payroll check on XX/XX/XXXX. This is a company that I have received and I have deposited several times into this account over the past few years. The bank claims that the issuer of the check said the check was invalid but the issuer of the check said the funds cleared their account XX/XX/XXXX. I have been with Bank of America since XXXX. I have had the same primary checking account since then and have an additional XXXX accounts which include my business accounts. The bank has frozen all of my accounts are going to close them. This is completely erroneous and they refuse to appeal the decision. I have never had a problem with them, never written a bad check, never gone overdrawn. Meanwhile, they have over $ XXXX of my money that I can not access I can not pay my mortgage, car loans, insurance, NOTHING! Every person Ive talked to has not helped I have provided them with the contact information for the companies payroll department and nothing has been done to help me!
Product: Debt collection

Hi, There is a collection on my credit with the name of XXXX XXXX XXXX. I havent signed any papers with them with anything information of mine. Can you please investigate and send me all the break down to why this price is as much.