23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/21 I noticed that there was a charge made to my card that I didnt do. When I looked into previous days I noticed that it was more than one. It was {$190.00} worth in purchases. I contacted the merchant to complain about which it was XXXX through email. The next day I contacted Bank of America to dispute my transactions. I waited about a month and then I received a letter saying that they already finished the investigation and found that it concordat with my usual usage. I call them to see how they came to that conclusion since XXXX emailed me back with the information of who have done these purchases. They reopened my case just to a couple of weeks later send me a letter saying that these purchases where made by an authorized user on my account which I do not have. Spend two almost two hours on the phone just so they can say we have to resubmit the dispute again. They did and a few weeks later the same thing a letter on the mail stating that it was an authorized user which like I said I do not have. I asked to speak to a manager and explained my problem and asked for the manager to explain how the investigation is done since is obviously they didnt do it since I was the one that emailed the merchant and had to pay {$6.00} extra to fax the paper over to them since I couldnt even email them. He said it was a mistake they did on the first dispute and that now he fixed it and it should be approved. A couple of week later the same letter came is now almost XXXX and my dispute still didnt get approved. A week ago I tried calling again was on the phone for almost two hours going from manager to manager and the last thing that manager told me was that in order for me to get my money back I had to do a police report and call back with the information so my dispute can be approved. Before hanging up I told her I recorded the information she just gave me and that she was sure that is how it was going to happen since I keep getting different things said to me from different people there she lied and said yes that she noted in my account everything we talked about and what she suggested. When I did the report I called back and they said there is no note and that I need it to fax or mail the police report which they only have me a lil card with the number and the police officer information. She said she going to reopen it and this time it should work. This manager expla To me how they do investigation and noticed that in my account the merchant was not contacted. They never investigated on my case apparently according to a lawyer it would have cost Bank of America more than {$200.00} to investigate my dispute and for them that would have not been worth it. I cant believe this bank. Is a shame they even open!
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Recovery Services is reporting a debt amount of {$320.00} to XXXX, XXXX and XXXX. I have called and asked for any contract that they had to provide me with a bill. Southwest Recovery Services has yet to provide me with any proof of debt.
Product: Money transfer, virtual currency, or money service

Basically I am a victim of a scam on which I lost money and my bank institution violated my rights as customer at least thats how I feel since then because they know where the money went, also they pretend to not know about the banks refunding money to a victims of scams since XXXX of 2023 but after admitting that they are being doing it, still my case didnt qualify according to their judgement and just told me am so sorry theres nothing we can do and the truth is that I dont even believe in justice any more so I just gon na leave it like this. Honest people lose, scammers criminals WIN my bank institution and law enforcement cant do anything about it, and scam sites cant be taken down off the internet, is like they are protected instead, I need to stop losing my time here, this wont change anything, wont get my money back bye.
Product: Debt collection

I have submitted multiple disputes to this company and everytime the company responds they say that the debt has been validated but with no supporting documents. I have used multiple dispute procedures to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I requested a copy of my credit reports from all three credit bureaus by mail. I included my ID, social security card and a recent bill/statement. I did not receive a copy of my credit reports, so I requested them again around XX/XX/XXXX. I ended up pulling a report online from a credit monitoring service and I found some inaccurate information regarding late payments. I sent a dispute in to the credit bureaus via certified mail this time and each bureau received my dispute by XX/XX/XXXX. As of today I have only received one credit report from Experian dated XX/XX/XXXX ( just my credit report not a response to my dispute ) and I received a notice from XXXX saying they did not want to send me my credit report ( they did not mention anything about my dispute ) and a notice from XXXX saying they could not find my credit file. I have not had any changes made to my credit reports and I have not received a response back from any of the credit bureaus regarding the inaccurate payment history. At this point I feel like the credit bureaus are not doing their job and I am not sure why I can not receive a response about a simple dispute. It has been well over 60 days and I am pretty sure the credit bureaus are supposed to respond by law within 30 days.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My XXXX  XXXX XXXX XXXX was purchased by GM XXXX credit ( Goldman Sachs ) and I did not get the same interest fee when Goldman purchased the card from XXXX  XXXX because no matter how much I pay my minimum or balance will not go down. I admit I was late the pass few months due to changing jobs, but as of last month I got caught up and my minimum never went down. I know Goldman Sachs is under investigation so I want to ensure the interest theyre charging me is correct as from looking at my old XXXX XXXX statements it seems as if the interest went up?
Product: Checking or savings account

Called Wells Fargo on XX/XX/XXXX to report a fraudulent ATM withdrawal of {$200.00} that occurred on XX/XX/XXXX. The claim was promptly denied within a day without notifying me, because the ATM company and Wells Fargo determined there were no signs of fraud on this transaction. I tried reopening the claim via phone on XX/XX/XXXX after filing a police report. They never asked me for a copy of the report and continued to deny my claim within a few hours, stating there are no red flags on the withdrawal. I pointed out that the withdrawal happened at an ATM that is 4 hours away from my home as listed in my bank statements. This is a red flag on its own because the only ATM withdrawals I have made in over a year were withdrawn in the city I live in, no where else. There was also a charge for {$2.00} at this ATM for a balance inquiry, which is another red flag because I have never made a balance inquiry at an ATM in the entire history of my account with Wells Fargo. I don't need to check my balance at an ATM for a fee if I have the app on my phone that costs nothing. I also never received a security code on my phone to deny or approve this transaction which is supposedly is their way of protecting me from fraudulent purchases, according to their own website. On XX/XX/XXXX, Wells Fargo encouraged me to pursue further investigation through a 3rd party as they have " exhausted all of their resources '' after only looking into my case for a few hours and refusing to consider the many red flags that entail this withdrawal was in fact fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute on the grounds of Identity fraud to the address listed under this credit reporting agency 's website via mail, yet after 30 days I have received no response or resolution to a documented crime.
Product: Checking or savings account

I want to open a chase bank account but cant because my social security number is being used under a business account but not as a social. Im assuming theyre using it as a tax payers number cause im a XXXX employee. But the bank cant give me information because technically its not me but under my identity. I want their account flagged for fraud and removed. They are the reason i havent been able to receive my stimulus '
Product: Mortgage

I have tried unsuccessfully to get a detailed transaction history on my property as it has been transferred to more companies than I can remember. My issue is trying to determine how they arrived at the $ XXXX balloon note added to the last modification done by DiTech Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing your letter which I attached from your company, Experian, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Experian now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Product: Debt collection

I am writing to file a formal complaint against Jefferson Capital Systems. I recently discovered that your company has reported a collection account on my credit report. However, I have no knowledge of this account and do not recognize any debt owed to your company.
Product: Credit reporting or other personal consumer reports

on XXXX I pulled m y credit report from the three credit bureaus and discovered that XXXX XXXX reported my mortgage as 30+days late however I am participant of the XXXX XXXX XXXXXXXX XXXX program which advise mortgage providers to not report participants as late considering that payments are submitted in bulk and take processing time. To my dismay I discovered that XXXX XXXX continuously submitted inaccurate information to the credit bureaus even after have a notation on my account to not do so. XXXX XXXX submitted over 10 months of late payments to the bureaus. I was approved in XX/XX/XXXX to be a participant in the XXXX XXXX XXXX  program. I want the correct information sent to the bureaus so that my credit report reflect accurate reporting regarding my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two late payments for my car note from XXXX XXXX for months XX/XX/XXXX and XX/XX/XXXX on my credit report from Experian. The finance company offered Covid relief during this time and advised they would not report negative remarks during the pandemic. I attempted to dispute again and they will not allow it if I don't have documentation. I feel the dates are self explanatory, I don't have any documentation, I spoke to a rep over the phone.R
Product: Credit card

I stayed at a XXXX XXXX ( XXXX XXXX, XXXX XXXX  )XX/XX/24 - XX/XX/24 ) Reservation XXXX  XXXX. Upon check-in, a {$250.00} deposit was charged to my credit card as expected. 

Upon checkout on XX/XX/24, I received a folio indicating I owed {$0.00} balance. I received no further communication via email or text from XXXX XXXX. 

After reviewing my Chase Credit Card  a week later, XXXX {$250.00} charges ( {$500.00} total ) were charged to my account. When I inquired with XXXX XXXX in XXXX, XXXX  about the charges, they indicated that I damaged a TV ( I did no such thing ). When I asked them why I was never contacted or received any documentation about an additional charge, their response was " you know what you did. '' I disputed the charge through the Chase credit charge dispute website. The charges were initially reversed, however, on XX/XX/24, Chase denied my claim because XXXX sent them a screenshot their reservation system with a note saying " guest was charged {$500.00} for broken TV ''. Chase accepted this documentation from XXXX as proof and re-applied the charges to my credit card. 

When I followed up with Chase XXXX XXXX department, they said there was nothing else they could do, even though XXXX provided no real evidence of damage. I am in an impossible situation as Chase will not accept any further documentation ( the {$0.00} balance folio ) and considers the case closed. 

XXXX XXXX is fraudulently charging customers who have no recourse to prove what they did not do. I've attempted to contact XXXX multiple times to address this issue but they indicated that they will not resolve or address issues involving non-XXXX  owners. 

**Note : my response from Chase includes personal info, but I will securely provide this information upon request**
Product: Checking or savings account

In response to the company, I printed all my bank statements and compared them to the letter I received on XX/XX/24. On XX/XX/24 fraudulent charges of {$1700.00} was taken from account. I did not authorize. On XX/XX/24 another {$500.00} taken out of my account. On XX/XX/24 received credit of {$1700.00}. On XX/XX/24 reversed credit of {$500.00} which I was told from merchant, however {$500.00} was also withdrawn from XX/XX/24. On XX/XX/24 credit of {$920.00} to my account. On XX/XX/24 reversed {$400.00} and {$100.00}. On XX/XX/24 reverse another of {$400.00}, so {$920.00} was never credited to my account., plus I am missing {$500.00} which was with the original {$1700.00} on XX/XX/24. I am a senior on a fixed income and in financial debt because of this. I am a victim of a crime and fraud. My computer was hacked, and I had it cleaned on XX/XX/24 along with a new debit card from the bank. Please have this corrected. 

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

n accordance with the Fair Credit Reporting act 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 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry XXXX all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. 

This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. I was notified by MyFico XXXX XXXX XXXX thats someone accessed my info it was stopped the the XXXXXXXX XXXX Website Surveillance from my Bank. I also filed a FTC Report. 

Transunion File # XXXX The 2 unauthorized Hard Inquiries are listed below.

Fraud Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The state of Idaho follows the federal FCRA, and with debt that did not have interest applied to it before going to collections, then it can not have interest applied in collections. 

The debt was from XXXX XXXX initially, they charged no interest or late fees. 
I have a debt from them with another collection agency and they have never charged me interest or late fees. 

The company alleges that part Idaho laws they are allowed charge 12 % interest in debt, this is incorrect. Idaho has a bad check law that can have an addition 12 % interest charged for willfully writing bad checks, this is not the situation There is no payment agreement with this collection agency, therefore no late fees or reported late payments. 

Idaho has a statue of limitations of 4 years for this type of debt, these accounts are from 2014.
Product: Credit reporting or other personal consumer reports

Despite numerous written requests, the unauthenticated accounts listed below persist on my credit report, contravening federal law. The three Credit Bureaus have neglected to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the stipulated timeframe, persisting in reporting unverified information. Considering all my efforts to resolve this matter directly with the creditor, this now amounts to deliberate negligence and non-compliance with federal regulations. I urge you to completely remove the following accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt below is not mines.I was never contacted by this company and given a chance to dispute account. By law I have 30 days after receipt of a debt to dispute. This information is wrong and not mines. 


SECURITY CREDIT SERVIC XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XXXX  I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Checking or savings account

XX/XX/2019 I was advised the bank was planning to block my account. I have gone into the bank branch and called their Consumer support line multiple times. 

The bank can not or will not tell me why they are going to block my account.
Product: Debt collection

I hold Equiant Financial Service fully responsible for this derogatory collections on my credit report. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. Equiant Financial Service as not sent the appropriate verification by the FCRA section XXXX ( A ) ( 1 ) ( A ). Then Equiant Financial Service has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I called TransUnion at XXXX and spoke with a supervisor XXXX. I could not understand his accent and asked him to explain why my credit score decreased 79 points and the annual credit report showed no deficits. After speaking with him and repeatedly asked him to speak slowly, he hung up the phone. I called back and spoke with XXXX. I informed her of the hang up. She transferred me to a XXXX. Again I could not understand him as well. I spoke with him about my scores. After repeatedly asking him to repeat himself, he was no help and asked for {$9.00} to charge me after I sent in letters about my dispute. I in dire need for assistance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three months ago I did this same thing and gave up. Today I tried again. I tried to unfreeze my Transunion credit reports so an agency could check my credit. I attempted this online and once again, even after me putting in the CODE that was emailed to me, it failed to verify me. 
I think called the number, again, and again someone answered that could not speak XXXX enough for me to understand her. I terminated the call and called again to see if I would get lucky and understand this person. No such luck. 
So Im trying to buy a home, the mortgage officer is waiting for me to unfreeze my credit and these people at Transunion dont even bother to hire people who speak XXXX. 

What can I do????? 
Thanks for your time XXXX XXXX