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

On XX/XX/XXXX, I received 3 missed calls from Chase bank ( I have a personal checking & savings with them ). A male representative indicated there was a pending XXXX charge/transaction going out that night. They asked me if it was mine or something I authorized. I responded no. I was driving home when I found this out, so I stated I needed to pull over at a gas station & call them back. They literally called me back less than a minute of me calling them. I had just gotten paid the night before, so the only charges authorized totaled {$40.00} XXXX. He said the transaction could be stopped. Said to go into XXXX section of my chase mobile app. I thought it was weird but didnt think much of it since he was called from my pre-saved XXXX # from Chase. He said to add myself as the receipient, request that the {$1200.00} " fee '' be returned to me & that's it. Said to wait until the weekend & XXXX XXXX was over to see the pending transaction reversed. I waited until XX/XX/XXXX to report no such credit or reversal happened. 

The person in the fraud dept I spoke with XX/XX/XXXX had no record of my previous call history regarding the above. He did enter a dispute for the transaction itself, stating to wait XXXX business days for a response. They gave me a temporary credit of {$1200.00}. I received an emailed letter from Chase stating after the investigation, I was responsible for the {$1200.00} XXXX transaction and that the temporary credit will be taken out of my checking account on or after XX/XX/XXXX. 

I called the XXXX # on that letter to dispute which is the Fraud dept at Chase. I explained my story as indicated above, told them the # this male called me on ( XXXX ). The fraud rep confirmed it was a valid customer service # for Chase. He then stated that since the XXXX charge was initiated/completed on my cell phone device then this makes it mine. He said that the male that called me on XX/XX/XXXX was an imposter or impersonating someone that works for Chase. 

I submitted a lengthy investigation of my own to Chase. I provided my cell phone call detail showing the XXXX calling me & me calling it. The case was denied. 

I called the online claims dept XXXX option XXXX to discuss my case further. Spoke to a XXXX. She said the case was denied & closed as of XX/XX/XXXX. Said there was no proof of where the XXXX transaction went. She said if Chase can't prove where the money went, they can't recover their own funds. Meaning I'm out {$1200.00} I DO have 2 emails of where my money went. Email dated XX/XX/XXXX XXXX states to " Dear XXXX, please verify your email address so you can send money with XXXX XXXX. This email was from XXXX Bank. The XXXX code provided in the email was XXXX. The 2nd email was a repeat of the 1st email.
Product: Checking or savings account

The bank has reversed a transaction for items that were never delived to my house. They are then tying to XXXX assault me or my children for the balance of the checking account. There were several items ordered, and when the deliver was to take place there was no longer a way to login and check the delivery of the grocery items. The grocery items included a large case of XXXX and other delivery items that were never brought to the door. The bank was not given sufficient evidence of the items having been delivered and they went ahead and deducted the claim amount from a different bank account. The account which the claim existed for was already closed and resolved.
Product: Credit reporting or other personal consumer reports

I'm an authorized user on my daughters XXXX XXXX account. It was helping me build my credit score on Transunion ( and the other bureaus ). Recently I checked my Transunion account and noticed there was a XXXX XXXX bill that was already paid on XX/XX/XXXX but not due until XX/XX/XXXX and not updated on Transunion. I contacted Transunion and disputed this bill asking them to remove it because it was already paid. They DID NOT remove the bill but removed THE XXXX XXXX ACCOUNT instead. I reached out to Transunion and after having to call them back 5 times because the representatives kept hanging up on me, I finally spoke with XXXX, a supervisor. She apologized stating they accidently removed the XXXX XXXX Account from my credit report BUT could not reinstate it. I would have to contact XXXX XXXX to be REMOVED from the XXXX XXXX account then RE-ADDED on the XXXX XXXX account inorder for Transunion to have XXXX XXXX added back on my credit report. 
This error is unacceptable and their lack of " customer service '' is beyond ridiculous. I need help in correcting this.
Product: Credit reporting or other personal consumer reports

Inquiries attached on my credit report is not accurate I didn't initiated any inquiries such as those. I am requesting you to make a thorough investigation regarding this
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX/XXXX/201, I applied for a loan with XXXX, a company that uses Experian Clarity Services. I was denied credit because Clarity Services was unable to verify my identity. I called Clarity Services, as indicated in the denial letter revived from XXXX, and could not get anyone on the phone to discuss or resolve the issue. The same thing happened when I called the parent company, Experian. Nobody was able to help me and they impact peoples lives.
Product: Checking or savings account

Debit card was used to purchase game from XXXX. Unfortunately game would crash and there were server issues which made the game unplayable. 

Contacted XXXX however they refused to provide a refund. Contacted my bank ( Chime ) and disputed the amount. 

Chime refused to provide a refund even though XXXX refund terms were provided and I was within the 14/30 day window. Per the XXXX user agreement debit card holders are not responsible for items that are received in damaged and/or non-functional condition. 

This is unacceptable and predatory behavior that only serves Chime. If this issue can not be resolved in this format then I will be filing for arbitration.
Product: Debt collection

I inquired a copy of my equivalent report when I had an alert that my credit score had decreased. I then noticed a new collection account from Lockhart , Morris & Montgomery for XXXX XXXX XXXX XXXX XXXX in the amount of {$920.00} date opened XX/XX/2023 past due as of XX/XX/2023. Before a debt collector can report your debt to XXXX or other reporting agencies they need to contact me by phone, mail a letter and wait 14 days for response, or email the customer and wait 14 days. Then if they contact consumer they send a validation notice about the debt and then they can proceed to report the debt to the credit reporting companies. Lockhart failed to follow the appropriate steps and I was not aware of this account being reported. Therefore I am requesting this debt be removed from the credit reporting agencies since the debt was not validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) To protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX For them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with my signature.
Product: Credit reporting or other personal consumer reports

TRANSUNION REINVESTIGATION REQUEST NOTICE XX/XX/year> I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. XXXX XXXX XXXX, XXXX XXXX, XXXX FEDERAL XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. TRANSUNION is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSED TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS REPORTING XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PAID OFF BUT AN XXXX OF {$1500.00} XXXX. XXXXXXXX XXXX OPENED XX/XX/year> - I HAVE A PROVIDED THEM WITH MY POLICE REPORT SHOWING I WAS A VICTIM OF IDENTITY THEFT AND FRAUD. THEY STILL HAVE NOT REMOVE FROM MY ACCOUNT TRANSUNION BUREAU IS REPORTING XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PD OFF BUT AN AMOUNT OF {$1500.00} XXXX XXXX IS REPORTING XXXX. XXXX XXXX XXXX HITTING MY ACCOUNT BOTH IDENTITY THEFT. WAS REMOVED ONCE AND PUT BACK. ONLY SHOWING XXXX CARD ON XXXX OTHER CREDIT BUREAUS XXXX XXXX XXXXXXXX SHOWS XXXX CARDS ON THIS BUREAU ONLY - IDENTITY THEFT/FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me. 

XXXX. XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX date opened XX/XX/XXXX
Product: Vehicle loan or lease

I spoke to hyundai finance  and they told me they dont see any late payments on my account and to call the credit dispute and to tell them theres no late payments on the account. I asked hyundai if theres anything they can do on their end and they said I have to call the credit dispute. So I called the credit dispute and filed a claim only for it to be rejected. Im asking for you to please remove the late payment shown around XX/XX/2018 from Hyundai motor finance as its completely inaccurate and severely damaging my credit. Thank you.
Product: Credit card or prepaid card

I was notified by the credit card fraud department at Capital One bank that somebody tried to get a credit card in my name. The application number was XXXX. The bank denied the card as fraud was suspected. I told them again that I did not apply for this card.This application was done on XX/XX/2023.
Product: Debt collection

I called Credit Systems International to inform them that this debt was paid via my insurance company and I asked XXXX to provide me with the name of the Physician or Medical Facility that they were collecting on behalf of. XXXX stated that it was XXXX but she could n't give me the name. She also stated that it was their policy that she could not speak to me because I was speaking on my phone on a hands free ( through my car audio system ) device. I asked her to transfer me to someone who had more compassion about what I needed and she transferred me to a random voicemail. I called back and got XXXX again and she stated the call " Are you still calling on a speaker phone? '' She did not attempt to assist me nor did she provide me with the name of the company that she was collecting on behalf of. I had to hang up and call my insurance company and have them call her, but she continued to be rude and did not provide any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I've sent several dispute letters by certified mail to ( Equifax ). Disputing all misleading, unverifiable, incomplete accounts on my credit file but Equifax has repeatedly refused to follow federal law. They have sent me generic response letter claiming that they have somehow verified all disputed account and has deemed the accounts as accurate and complete. However, ( Equifax ) has not yet once provided me with any physical evidence as per federal law has to how they have come to validate the disputed accounts. I would like ( Equifax ) to delete or remove all unverifiable Accounts from my credit profile. As listed below. 

1 ) XXXX XXXX XXXX {$980.00} 2 ) XXXX XXXX XXXX {$1500.00} 3 ) XXXX XXXX {$2600.00} 4 ) XXXX {$1500.00} 5 ) XXXX XXXX XXXX XXXX {$3500.00} 6 ) XXXX XXXX XXXX XXXX {$1900.00} 7 )  XXXX XXXX XXXX {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL NUMBER AND PHOTO ID TO OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a XXXX of XXXX XXXX. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

almost 1 year venmo does not allow me to access my funds! customer service non existant wont reply wont help! only auto replies! 

I need to access my money! this is a scam! venmo stealing customer funds!
Product: Credit card

Hello. On XX/XX/year> my credit card was charged {$4900.00}. The transaction appears to be as ( XXXX XXXX XXXX XXXX  ) located in XXXX FL XXXX. However, I live in CA, and the transaction was made in a different state, like the opposite side of the USA. I do not understand how that transaction went through without me being asked by the bank to verify it first. On XX/XX/XXXX night, I noticed my wallet was missing ( which had my physical credit card and my driver 's license in it ), that is also when I noticed the unauthorized transaction on my card and called the bank to let them know my wallet is missing, again saying that my physical driver license was in my wallet too. I told them that I had never left CA also. During the 90-day investigation, they sent me many papers such as affidavits to sign. I did all of it. Later, I received a call from them and they asked me how come had you lost your wallet for 2 nd time in my life which is very unethical question. The same card was also lost more than a year ago and maybe that is why they allowed themselves to ask that question. I also confirmed with them that the last time I used my card was the transaction made on XX/XX/XXXX, from XXXX XXXXXXXX XXXX XXXX amounting to XXXX XXXX As proof, they did not require it, but I was so cooperative that I called them and said that I could send my other card statements, which would show my daily transactions. They agreed, and I sent them by mail my 3 other banking statements which had my transactions showing here in CA made on XX/XX/XXXX, XX/XX/XXXX ( the day the charge was made in FL ), and XX/XX/XXXX also. Later, I called them to verify if they received my statements as a proof that the XXXX FL transaction was not made by me and that it was not authorized. They picked up the phone and stated that it was not an enough proof and that the case was closed. They did not even care to tell me that the case was closed, I found out about it at the time I called to verify If my proofs were received. I also asked what else they wanted because the statements I sent to them showed exactly the dates I used my other cards in CA, also showing my name, my address and all my other personal information. They said they do not know what exactly they want as proof and they stated that they are not proceeding with the claim. Lastly, they also reported my credit account as disputed, resolved, and disagreed with XXXX, XXXX, XXXX, and XXXX. This is just ridiculous. They have no right to ask me to pay for smth that I did not do, did not know, and did not authorize. they have no right to report my account as disputed, resolved ( when it is not ) and disagreed ( by the customer ). They did not even let me know about this, I also found out about this reported from the credit reporting agencies.
Product: Student loan

I have steadily been making student loan payments to Navient since 2008. Over the last 5 years my loans have not decreased in balance but steadily increased.
Product: Debt collection

The original creditor for this 'debt ' is XXXX XXXX XXXX XXXX XXXX XXXX. I ordered merchandise from XXXX since I had a line of credit with them. I NEVER received ANY of the items I ordered. I reached out to XXXX and XXXX and told them I have not received my order. After a very short 'investigation ', they determined that I am responsible to pay for the items anyway. I refused to make any payments on my account since I did NOT receive my order. MY 'debt ' was sold to LVNV Funding LLC XXXX They have harassed me even since. They call, send texts, threatening letters, etc, even after I wrote them a letter AND sent an email explaining I do not owe thus debt, and told them not to contact me ever again. They STILL continue to harass me.
Product: Debt collection

I believe the account is invalid. RESURGENT CAPITAL SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

RESURGENT CAPITAL SERVICES Original Creditor : XXXX Reference # : XXXX
Product: Credit card

I moved in XXXX XXXX, in XXXX XXXX I made sure to change my address linked with my Macy 's credit card. I received a statement at my new address in XXXX, but have not received one since ( as of XXXX XXXX XXXX ). I have made multiple attempts to remedy the situation and have my Macy 's billing statements sent to me with no success. I have made at least two attempts via email to request billing statements without remedy. I was even unable to change my email address linked with the account online. I have also contacted Macy 's customer service twice without being able to resolve the issue. When I called in XXXX, I was told it was taken care of and they were kind enough to remove that month 's late charge. I received no statement in XXXX. When I called Macy 's customer service this month, one day after my bill was due, I was told the changes were made and that it was the post offices fault, they also refused to eliminate the late charge I had just been given. When I asked to speak with the Macy 's customer service manager, I waited over an hour before deciding to contact consumer protection. I feel I have the right to my own personal billing information. The statements I am able to view online do not provide all the information about my account, which is why I would like the hard copy. I also have experienced difficulty with payments going through using Macy 's online payment system, another reason I would like to use the mail. I am very concerned about how this is effecting my credit score. I have made every attempt to pay what I owe and feel I am now acquiring considerable fees because of Macy 's negligence. I am even unsure what my balance is at this time because I have not seen a statement in over 6 months.
Product: Credit reporting or other personal consumer reports

First, I categorically reject the closing of my previous complain. Their answer ignored several issues, forcing me to address each one via a new complaint. They do not respond to internal queries, only CFPB complaints. Here is the summary of what has happened : XXXX XXXX failed to manage my account from XX/XX/XXXX to XX/XX/XXXX. They messed up the vestment of my loan and did not catch it until XXXX XX/XX/XXXX. They then failed to call me and badgered me to pay $ XXXX and neglecting to investigate why my account was so messed up until a week of me calling, arguing and panicking. 

On to my next complaint. 
My account is being reported as delinquent, dropping my credit score by XXXX points. They have admitted they created this error and have still insisted on ignoring my messages and reporting me as delinquent, putting my clearance in jeopardy. Without my clearance I dont have a job. IAW 12 CFR part 1024 regulation X should not be continuing to report a delinquency as a result of their negligence. 

I have offered to move on amicably and close all complaints if they simply admit fault and waive these fees. Since they have ignored me on their internal customer service system and respectfully reject waiving the fees, this is my first of several complaints.