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

In XXXXXXXX XXXX  I was a victim of identity theft. Fraudulent charges were made in my name and unauthorized charges were made to my bank account. The credit card company did not refund the money, but my bank managed to get my money back. The credit card Fortiva now wants to make my account charge off, but there are fraudulent charges. They are not mine. What can I do now? I requested a statement, but my account was switched on line and I can not even log in. Please help asap.
Product: Credit reporting or other personal consumer reports

These accounts was charged off on the following date : XX/XX/XXXX, XX/XX/XXXX Since then the account has repeatedly been updated as charged off or deliquent every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it XXXX  and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account:XXXX**** XXXX XXXX Account : XXXX
Product: Mortgage

I sold my house XX/XX/XXXX. The attorney called Seterus Inc. to verify taxes had not been paid. Seterus told tbem they had not so attorney paid taxes and said I would get my money back with escrow refund. I got an escrow check that did not include taxes. I called Seterus tbey stated they paid taxes. I called county and they said it was dounle paid. They would refund money to Seterus. That was 3 months ago. On XX/XX/XXXX Seterus stated they had the refund but were aloud 3 weeks to refund to me. I called back today Seterus stated they didn't get money back from XXXX County. They have had my money for 3 months and noone is helping. XXXX keeps transferring me around to differen people.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance 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 furnish a account without my written instructions
Product: Credit card or prepaid card

In XXXX and XXXX I contacted Wells Fargo banks credit card services fraud and disputes department and filed a fraud claim with them ; my credit card limit was {$11000.00} and then someone stole my identity and compromised my Wells Fargo credit card. When I contacted Wells Fargos credit card fraud department to file a fraud claim, I was advised that the claim had been filed and that I would not be responsible for any fraudulent changes made to my credit card. Wells Fargos negligence in NOT opening a fraud claim or Putting a complete stop on the credit card has resulted in Wells Fargo filing a collection law suit against me and without me knowing. In late XXXX Wells Fargo bank went to court and requested from the XXXX XXXX county superior court in California that the court favors Wells Fargo bank and file a judgement against me for money that I did NOT owe Wells Fargo bank. My credit limit was {$11000.00} and because Wells Fargo did not file my fraud claim and identity theft claim properly ; the person or persons who had access to my Wells Fargo credit card had fraudulently charged over {$30000.00} in fraudulent charges. On XX/XX/XXXX I received a letter from my employer that Wells Fargo bank had a wage garnishment and a levy on my wages. Since XX/XX/XXXX Wells Fargo has been deducting money from my biweekly wages and has had a wage garnishment order to withhold funds from my paychecks. This has caused me severe financial problems and has put me and my family in a situation to where we could barely eat or have a place to live. I have filed a claim of Exemption but it was denied by the court because Wells Fargos counsel of record had lied and continues to lie to the court that I was responsible for those fraudulent charges. I am planning on filing a motion to vacate the judgement and provide the court with ALL the physical evidence that I have showing and proving that I contacted Wells Fargo over two years ago regarding the fraudulent charges. How can Wells Fargo allow someone other then myself to make those fraudulent charges and allow the credit limit to keep going beyond the LIMIT of {$11000.00} that I had. Wells Fargo has also since sent me two settlement checks because of deceptive law practices and also allowing other individuals to apply for a checking account, savings account and a credit card account without my knowledge. I am requesting that this agency publish this for the world to see. If Wells Fargo does not cease all collection and wage garnishments from me, I will post this to every social media Platform to expose Wells Fargo and notify everyone of theirs unlawful business and collection practices.
Product: Debt collection

In XX/XX/XXXX I tried to payoff my capital one credit card account in the amount of {$650.00} and XX/XX/XXXX I tried paying off my capital one credit card account again. Doing the process of trying to payoff my accounts I was told that I was committing fraud with my very own savings account with my credit union both times when I tried to do payoff. 
In XXXX after discussing the matter with a senior mgr he told me because I made such a large payment of {$650.00} the system didn't recognize me for such payments that's why they assumed it was fraudulent so I decided to make lesser amount of payments until paid in full. I continue to make my payments with the same savings account continuously until XX/XX/XXXX when my final payment of {$100.00} was called in and successfully submitted over the phone with an representative, the following Monday I called to make sure they posted my final payment and I was shock to hear that my payment was sent back to my account because it was a fraudulent account and they could not accept it, but they continued to take my payment from XXXX until my final payment as of XX/XX/XXXX, aslo I paid my husband capital one credit card with the same account on XX/XX/XXXX and they accepted that payment and said they returned mine, So, I asked if I could just go in a branch to make the payment and the last senior mgr I spoke with told me yes, the following day I went to a branch and was there 1 hr talking with a teller and capital one Bank on my cell phone and they would not allow the teller to take my payment in cash money at the teller window, we had to do an open conversation about my business in public because of the situation the world is in the present time Corona virus and all my personal information was among the public I was embarrassed and confused why they refused my payment to payoff this credit card I was destroyed in my heart and didn't know what else to do, finally I left the bank in tears, finally my husband said let 's try and pay it with his debit card so I did and it was paid in full. 
But I'm truly upset on how they refused me to make a payoff twice and I feel discrimination played a part and wanted me to continue to pay unnecessary fees.
Product: Money transfer, virtual currency, or money service

I sold the XXXX  XXXX XXXX to XXXX XXXX XXXX at XXXX XXXX, Michigan in XXXX. XXXX and they transfer XXXX dollars from their Chase business account to my personal Chase checking account. On XXXX. XXXX, it said the money is delivered on the dealer end but i never got it so i went to a branch ; the advisor said give it another day. Today is Tuesday, the XXXX. The money is still missing and I made my second trip to the branch and got the same response : wait.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX I opened an account with XXXX XXXX XXXX for {$22000.00} for purchase of windows from XXXX XXXX. The first payment of XXXX was due on XX/XX/2024. On XX/XX/XXXX I went out of town until XX/XX/2024. During that time I had both my cellphone and laptop computer with me and I checked e-mail and messages daily. On XX/XX/XXXX I received a text from XXXX that my XXXX XXXX had dropped from XXXX to XXXX because of an overlimit charge. On XXXX XXXX I Contacted XXXX and was told that it was because of fees that had been added to my current charge. I was not made aware of any fees other than the initial loan and never when I set up my e-account. I talked with the rep who explained what had happened and she told me that I could wait until the XXXX or that I could pay it then which, I did. She also assured me that this red mark on my credit would be resolved. It wasn't. Moreover, I opened the account on XX/XX/XXXX and an overlimit was reported to XXXX on XX/XX/XXXX, XXXX days after opening the account. Even worse, on XX/XX/XXXX they took another XXXX points off my XXXX XXXX. For what I don't Know. In addition, after speaking with the rep and authorizing an online payment.
Product: Checking or savings account

On XX/XX/2022, the sum of {$37000.00} ( dollars ) was stolen from my business account without my authorization, this after opening a text message supposedly received from CITIBANK, in which I opened a link to cancel an alleged transaction that It was trying to be made in my account ; I opened said link and they asked me for personal information ( name, XXXX, and other personal data ), this was dated XX/XX/2022 and XXXX days later they took the sum of money described above, leaving me only {$14.00} dollars and cents in my account.-NOTE : This account is the only one I had and all the money with which I am working, paying people who help me, buying materials, personal expenses such as rent where I live, vehicle insurance, etcI immediately called the bank to report the fraud, signed an affidavit with the statement of the facts and sent it to the Citibank fraud department , to date I have not received a response from the investigation, nor have I been reimbursed a single just tell about what was stolen from me.-The business account is in the name of XXXX XXXXXXXX XXXX XXXX.and the dispute # is XXXX XXXX
Product: Checking or savings account

MY DIRECT DEPOSIT ALWAYS DEPOSITS ON A TUESDAY NO LATER THAN XXXX! IT'S NOW XXXX AND I DON'T HAVE MY PAYCHECK. CHIME IS BEING UNRESPONSIVE AND LYING TO CUSTOMERS ABOUT THEM NOT BEING DOWN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided you all document of the illegality Of this account. 
Federal Trade Commission Report, XXXX XXXX XXXX XXXX XXXX IRS Identity theft report, XXXX XXXX XXXX XXXX Report, XXXX Police Report and EXPERIAN REFUSE TO REMOVED THIS FRAUDELENT AND Illegal ACCOUNT FROM MY REPORT I have provided all document to XXXX XXXX XXXX # XXXX Of the Illegality of this account and they refused to removed from my record in my credit report
Product: Student loan

We paid our loan via electronic payment through their website. Navient said that they received on their website, I called them to make sure they received it and they said yes. they then sent me a bill saying i missed my payment. the next month they charged me double. I made the payment and the same thing happened. they then said that they would fix it by just moving the payments to the end and i agreed to this, but in so doing they increased my payment. I think this was very unfair and filed the complaint. I then started to make the payments from my bank to them not through their website, I filed a complaint through the government student loan department. This caused alot of stress to our bank account and our family, though no fault of our own. I think their online bill pay service was intentionally faulty so they could charge the additional charges.
Product: Checking or savings account

I contact chime because the company I brought my car from did not get the payments On XX/XX/2023. I have talked with dozens of representatives. I have summited photos, emails, calls, videos of the reasoning I am disputing the transactions. I keep getting denied. I have attempted to contact the investigation team to no luck. Thus is going on over 2 months of disputing and over 15+ rebuttals. My last denial was on the XX/XX/2023. I an reopening the claim as of today XX/XX/2023. My bank is chime. I want resolution to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I successfully completed the Federal Loan Rehabilitation program and all negative payment history should have been removed from the XXXX XXXX XXXX XXXX ( XXXX ), reported by Experian, however entire trade line has been removed. Repeated attempts have been made by phone ( by myself and XXXX ) to correct issue as well as by XXXX submitting numerous updates to have issue correct. Experian was stating that XXXX has been submitting data in wrong format but this format is recognized by XXXX  as correct. The other two main bureaus are showing and reporting accurate information from this account. Experian has been most difficult in correcting this. They stated to XXXX that I have a right to dispute inaccurate information however I can not because the information is not being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights
Product: Debt collection

( This complaint is being generated by the consumer to whom it concerns. ) on XX/XX/2022 I, the original creditor, consumer and Natural person checked my credit file and became aware of a third party debt collector furnishing an alleged debt to my consumer report in the amount of {$1100.00}. MIDLAND CREDIT MANAGEMENT is and has been furnishing negative information on my credit report without my lawful authority and is in violation of 15 USC 1681s-2 ( 7 ) E. MIDLAND CREDIT MANAGEMENT it is a third party and has no standing to deny my claim. I am aware that MIDLAND CREDIT MANAGEMENT can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold MIDLAND CREDIT MANAGEMENT liable for these violations. I have reasonable cause to believe MIDLAND CREDIT MANAGEMENT is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me and cause harm to my credit reputation. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe MIDLAND CREDIT MANAGEMENT HAS VIOLATED THE LAW knowingly and without remorse. Furnishing knowingly fraudulent information such as collections is a violation of 15 USC 6821 ( a ) ( 2 ). I am aware that 15 USC 6823 ( a ) states whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to five years or both. I have reasonable cause to believe MIDLAND CREDIT MANAGEMENT is in direct violation of 31 U.S. Code 3729 - False claims.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX Never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$68.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX   XXXX  XXXX {$450.00} XXXX XXXX {$870.00} XXXX   XXXX XXXX {$1000.00} XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. US DEPT. OF EDUCATIO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Mortgage

We have been trying to obtain a loan modification from Wells Fargo. We have a previous complaint number on this case ( XXXX ). We were told to contact the bank today on XX/XX/2017 as the investigation would be complete. We contacted the Executive Resolutions Specialist today. He informed me they have extended the investigation to the XX/XX/2017 which is the scheduled sale date of our home. He informed me he would contact me on XX/XX/XXXX and that he could not and would not stop the sale of our home. His name is XXXX XXXX at Wells Fargo Executive Resolution Center in Iowa. They are performing dual tracking, misrepresentation and fraud. We are begging for help in this matter.
Product: Debt collection

I don't really know what happened. 
The person was, at best, cordial. She/they stated they were calling for Regions Bank . 
Then they asked me for my physical address, I gave it and then they immediately said .. '' you owe us, Regions Bank XXXX money. When will you be paying? "... I said, " oh, I do? Okay. Well I work at a XXXX XXXX XXXX and get paid every two weeks. But we aren't in season right now. '' They responded, " Okay, every two weeks. So you'll pay in two weeks, nothing before then? '' I said, " Wait, what? Um I don't know? What is this for again? '' They said, " I'm calling on behalf of Regions Bank because you owe them money and it is more than 30 days past due. '' I asked what money. They said " the money you owe '' and then we disconnected. 
**Different phone numbers, same basic purpose. This makes year 5, of the last 8 YEARS, that I have received random insistent calls. Demanding debt be settled. Without ANY written notice. 
Also, without ANY resolve. Just constant, daily, sometimes multiple times a day calls demanding I pay some money for some outstanding debt. Debt that I have YET to be given information about. Never the same amount owed. This year the " amount owed '' is a couple hundred Less than last year. Also, no notices, ever. ** I never received any mailed/ physical letter about this supposed debt nor of it being past due. This phone call, or number rather, has called me almost every day for the past 20- 30 days. Even on Sundays! Always rings 3 times and hangs up. 
***Note : I did settled on some debt in XXXX tax year. But this is XXXX And my debt was paid in full via tax return money. ***
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX Company Inquiries : 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