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

On XX/XX/year>, I received a text from Chase Bank noting that there was a suspicious charge of {$14.00} coming from XXXX XXXX that they wanted to be sure was me. I indicated no. They said that they would send me a new debit card and cancel the old one. 

My new card did not arrive until XX/XX/year>. Between XX/XX/year> and XX/XX/year>, Chase continued to allow payments to XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX to come out of my account. Additionally, they paid a {$4.00} charge to XXXX XXXX. I DO NOT HAVE OR HAVE EVER HAD A XXXX XXXX ACCOUNT AND I HAVE NEVER MADE A PURCHASE ON XXXX XXXX. The payments were paid from my card that Chase alleges was blocked and cancelled. However, in attempt to show them that they did not cancel the card, I made a XXXX XXXX of {$40.00} using the alleged cancelled card that went through on XX/XX/year>. 

I contacted Chase on XX/XX/year> to let them know what had happened. My account was overdrawn at the time for over {$200.00}. They claimed that these were pre-made purchases that were approved 30 days prior to the purchase, which makes no sense because they used a supposed cancelled card. Additionally, Chase charged me {$34.00} for each of the charges, totaling the amount owed to {$520.00}. They did reverse the charge for the XXXX XXXX. My bill went to {$520.00}. They refused to reimburse the overdraft charges as they had previous reversed charges for me this year and can only perform this transaction once a year. 

I am a single parent. It is XXXX time and the first of the month. While {$520.00} may not mean much to Chase, it is rent money. Because of their actions, I have to now scrape up money to pay bills. If they would not have allowed this to occur, I would have been able to pay the bill ( s ) as soon as the new card arrived but since I was charged fees, it placed an additional burden on top of the ones I already have.
Product: Debt collection

XXXX XXXX has placed a collection item on my credit report on XX/XX/2015. Related to a Speedy Cash loan that I never took. I called XXXX XXXX many times to tell them it is not my charge. They want my social security number which I will not give them. I told them I never received money from Speedy Cash nor did I receive bills nor did I take the loan. They said without my social they have nothing to say to me. I have entered disputes with 3 credit reporting agencies, placed a dispute with the XXXX who got Speedy Cash to mail me the loan documents which show and e signature, typed signature, and auto debit form for an account with XXXX XXXX XXXX with no name on it for the account holder, a cell number on a document that was never mine. I asked XXXX to request application information. The lender said due to privacy issues they will not provide. I filed an identity theft form on the FTC web site. This has stopped me from refinancing. I have perfect credit report, all trade lines paid on time. I also sought the advice of lawyer who I would have to pay {$500.00} to review my case and determine if he would help us to sue both companies.
Product: Credit reporting or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies, and I am a very concerned consumer. Bankruptcy is reporting on XXXX and Experian. It is not reporting on XXXX. I called the courthouse in XXXX, XXXX and they stated, they don't report to any credit bureaus or third parties. Reporting this to my credit bureaus is a bankruptcy violation. There are factual errors on my credit report. According to 15 US code 1681 A 4 consumer privacy rights, the credit bureaus are committing identity thief by reporting my personal information, without my consent. I've disputed this with the credit bureaus, with no avail. Please remove this information as you are in violation.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and Procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signatures it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

Creditor Name : XXXX - Account Number : XXXX - {$11000.00} Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get my annual free credit report through XXXX and every single time I did they said there was an issue with my request. I attempted this 3 separate times and every single time they said they were unable to provide me with a report based on the information provided. I know thats not true because I have requested my credit report multiple times in the past without issue. Now all of the sudden Im not allowed to get it when I need it? I need my credit report to apply for a new house to rent and without this report Im XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to get multiple inquiries removed from my report that happen on the same day from numerous car credit companies that I did not approve and I haven't heard anything back from XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an e-mail from PayPal that XXXX # XXXX had been accepted in the amount of {$840.00}. I have no PayPal account nor had I made an order. I called the number listed in the e-mail, XXXX XXXX XXXX to cancel the spurious order. I was connected to a man named XXXX at XXXX. First I found out that my XXXX ( formerly XXXX XXXX  XXXX ) credit card was used to fund the PayPal account and pay for a laptop. That credit card account is locked plus an old credit card number was used which expired this month. So no charges went through. He then said that a little earlier, someone used my XXXX debit card to open and fund some investment account for {$600.00}. That card had expired at the beginning of XXXX and my new debit card had a very different number. So no charges went through to my bank account. Most times when using a credit or debit card for payment, you have to enter the expiration date but apparently PayPal did not do that. 

XXXX said he would give me ( electronically ) a {$50.00} XXXX gift card because of the problems. XXXX rejected it and I let XXXX know. He said he would resend the order plus one for {$200.00}. Both of those were rejected and XXXX called me worrying that I was falling for a scam that asked for prepaid cards. This kept going on until XXXX said I would have to open a new XXXX account because my original account was basically shut down. By doing that, I lost {$30.00} in gift card value that was already stored in my account. Somehow it became an XXXX XXXX account which I had no use for. 

I spent an hour or more everyday on the phone with XXXX trying to resolved this mess. I discovered last Saturday that there was a pending charge to my bank account for {$50.00}. It wasn't until this morning, XX/XX/2022, that I found out that XXXX charged my account that amount of money. I contacted XXXX and he said he would refund that money. However, then a charge for a XXXX card and account appeared in my bank account. I also got an e-mail that PayPal had ordered a 1 year subscription to XXXX XXXX XXXX using a company called XXXX XXXX for {$99.00}. I have no interest in that service and certainly didn't order it. Instead of anything being resolved, the mess just keeps growing. Last week, XXXX was supposed to red flag my credit and debit cards so nothing could be charged to them. Today he explained that someone else had removed those flags which allowed these other unwanted and unordered charges. 

I also want any shipping information for the laptop that was collected in hopes of identifying who stole my financial information and was using it so I can turn it into the police for possible prosecution.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and the letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my report withing 4 business days, pursuant to section 605cof the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts be blocked and deleted. Please delete the following accounts. 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I completed a loan rehabilitation program over 9 months. Most of my loans have come out of default except for XXXX. I was told that they are not eligible and now I have to pay the past due to get them current. Over 3k. I 'm working on my credit score and Nelnet will not work with me. I did my due diligence in their program. Please help if you can.
Product: Debt collection

This company is trying to collect a supposed debt that is not valid. Phones were returned to ATT utilizing the shipping labels provided by XXXX as requested by the representative at XXXX. These phones were delivered back to XXXX however they refuse to fix the issue. Instead they are damaging my credit for FRAUDELENT charges.
Product: Debt collection

I have sent NUMEROUS validation letters and asked them show me how they validated the collection and that I am to pay them, they continually just send me documents from their internal system which based on the FCRA is not enough to validate, I have also asked them to show me their method of verification and they have not. 

I have asked them to remove this account and stop reporting to my credit and they haven't.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

XXXX checking accounts were established with TD Bank using my my name and address. I do not have any accounts with TD Bank. I was first alerted by mail on XXXX, XX/XX/2022 with XXXX account alerts of insufficient funds. On XXXX XX/XX/2022, I received XXXX visa debit cards and XXXX check books with these same accounts. I reported this fraudulent activity to TD Bank who has suspended the accounts and is launching an investigation.
Product: Student loan

Mohela is my service provider for my student loans. They transitioned my account to their new platform mid-XXXX and was told the transition was complete XX/XX/XXXX. None of my account information or settings transitioned. My auto pay information was gone so my interest rate reduction was gone and was being charged a higher interest rate. My account was put into paid ahead status so that my over payments went toward future payments instead of being paid all at once. My pending payment was distributed incorrectly and so my interest wasn't paid that month for one of my loans. And my interest during the transition period was posted as principle to the new account. I have been calling, emailing, and sending forms consistently since XX/XX/XXXX and have only been jerked around, given conflicting information, or given due dates that come and go by the months. I wait on hold for over an hour each call to be on the phone for potentially hours for someone to say there is nothing they can do to just, try back another day. I'm truly at my wits end and don't know what to do but every month I'm still paying for Mohelas mistakes.
Product: Mortgage

On XX/XX/XXXX I received an email from Flagstar Bank saying I had a new loan number and nothing else. I thought it was spam and discarded the email. I find out on XX/XX/XXXX that XXXX XXXX  had sold my loan to Flagstar Bank and no notice from either was given until after I set up my account with Flagstar Bank and paid the bill via email. On XX/XX/XXXX I tried to pay my loan online using the same credentials from XX/XX/XXXX and they are unable to match me in the system so I had to pay late on XX/XX/XXXX and they said that it should work. Now today XX/XX/XXXX I have the same issue and now will have to pay late again.
Product: Money transfer, virtual currency, or money service

I have been operating business as usual but I have had a higher transaction volume and amount. The account was asked to provide more info to verify, fine I did that. Minutes later, it had to be automated my account was closed. Now I have to await up to 180 days for the money. MY customers have paid for orders, I have inventory to buy. MY family is now being effected, I am being effected, my business, wellbeing, mental health. I need my money so I can continue to earn money and do business. I have upset customers now and it Is because someone is holding MY money.
Product: Checking or savings account

I received US Treasury check from an amended tax return in the amount of {$9400.00} and deposited it into First National Bank of Omaha on XXXX via mobile deposit. Initially the funds were available within 2 days. I completed a few transactions but on XXXX my account was frozen with over half the funds remaining in the account. I called the bank multiple times requesting information or resolution however nothing has been disclosed or resolved. I was told that I would be contacted within 24-48 hours but no one has contacted me. After 13 days of waiting with no contact from the bank or further information or action, I went in person to the branch located at XXXX XXXX XXXX, XXXX, TX on XXXX to attempt to resolve the issue. I made contact with bank employee, XXXX XXXX. He reviewed my account and stated that the check that I had deposited was under thorough investigation and scrutiny by the bank for possible fraud. I explained that the check was issued by the IRS from an amended tax return and was drawn on the US Treasury and was valid and verifiable. The bank employee requested supporting documentation of the source of the funds for the check. I provided a record of account transcript provided by the IRS for the tax year that the refund was due. It clearly shows the amount of the check listed as a refund issued on XXXX and I pointed this out to the employee. He submitted it to the department completing the investigation but stated he could not unfreeze the account and would have to wait for the department to make a decision about releasing the funds. The following day I received an email from XXXX XXXX which stated that the check was suspected to be fraudulent and that the decision was left to the fraud department who have stated the hold on the funds will not be lifted. I took this to mean that my money will not be returned to me and the bank is seizing over {$5000.00} for no valid reason. I deposited the check 22 days ago and it has been frozen for 18 days. I checked the check using the treasury departments check verification tool on XXXX and the tool stated " check verified. status : paid '' indicating the bank has already received the funds for the check when it was deposited on the XXXX. I can not pay my bills or afford basic necessities and I have no idea how long this problem will persist.
Product: Debt collection

Shame on you CFPB how can you let this continue to happen, always all kinds of problems when companies use an auto dialer. I filed a complaint weeks ago and the company responded saying they found no proof. 

I am still to this day, even after contacting them in XXXX! We are still receiving receiving automated calls several times a day, caller ID indicates Navient or XXXX XXXX XXXX. If the phone is not answered they leave a message stating this is XXXX XXXX XXXX, if this is XXXX XXXX, the law requires us to notify you this is an attempt to collect a debt and information obtained will be used for that purpose. 

The caller ID is XXXX, XXXX, XXXX repeating several times a day. Since its the same message if I hang up without listing to it, it will call back repeating the same daily fashion. It is calling my landline phone consistently daily, not allowing to be opt out. Calls come from these numbers which if called, it rings busy. They are even spoofing the phone number to be XXXX XXXX XXXX I believe I am due damages of excessive calling and not allowing me to opt out of these messages, it leaves messages on the machine which indicate it is a debt collector. I have called asked them to stop one time it was a live person and I advised them it was a wrong number and advised them never to call the number again. they resumed calling the next week, and still do as of today. This time it is XXXX XXXX, last time it was. I even put this information in the followup complaint with CFBP that they are calling my phone number ... They are still calling my phone number they are calling is XXXX
Product: Checking or savings account

On XX/XX/XXXX I paid someone XXXX through XXXX XXXX for a service that never was fulfilled. The day of the service I never heard Research the person more and come to find out they are a scam. I called my bank, which is navy federal right away and explained to them the terrible outcome they explained to me they cant give me my money back because it was on XXXX XXXX, and XXXX XXXX is liking giving some cash. I explained to them I was scammed, I never had to deal with something like this before. And they just apologized and kept saying try to get my money back through XXXX XXXX. XXXX XXXX didnt give me my money back because the person I send the money to erased they XXXX XXXX. And XXXX XXXX told me to reach out to my bank they will send me my money back but they didnt. And now Im out of XXXX, and my bank couldnt even help me. I still have navy federal but I barely use them now, they dont help their customers thats in need.
Product: Vehicle loan or lease

Just over a year ago, I have leased a XXXX XXXX XXXX vehicle from Hyundai Motors. They recommended that I use one the insurances that works with them so I chose to do that. I placed {$2400.00} for down payment to start the lease. After that, I had the vehicle for just 3 weeks, an accident happened and the car became a total damage, a total loss. I have talked to the insurance and they paid for everything to Hyundai Motor Finance, every single penny. Even after that, Hyundai has been charging me every month as if I still had the vehicle with me like if the accident never happened. So I kept calling and calling and they finally answered and they told me that account will be closed for good and this was 2 months after the accident. So the account shouldn't go back to my credit saying that I owe {$500.00} and that I'm missing a couple payments. That dropped and ruined my credit so much because I always pay on time for everything!
Product: Credit reporting or other personal consumer reports

As of XXXX XX/XX/XXXX XXXX  TransUnion reported the status for an alleged student loan with account/tradeline " XXXX XXXX XXXXXXXX '' with a balance of {$2100.00} as " repossession. '' As of XXXX XX/XX/ TransUnion continues to report the same account/tradeline as a " repossession ''. A repossession is a seizure of property hat was used as collateral to secure a loan. When a consumer defaults on a loan agreement, the property is seized and sold such that the proceeds from the sale are used to pay on the defaulted loan. There is no collateral for a student loan. Therefore the pay status of seizure for this loan inchoate. TransUnion knows or should know that the information as supplied is false/misleading/inaccurate. The account ( s ) with " XXXXXXXX XXXX XXXX '' and/or account ( s ) /tradeline ( s ) XXXX XXXX XXXXXXXX and/or with account number ( s ) beginning XXXXXXXX  need to be removed.
Product: Money transfer, virtual currency, or money service

Under Regulation E ( 12 CFR 205.6 ), I did not authorize a transfer of 3 payments of {$300.00} not involving loss or theft of an access device. A total of {$900.00} was taken from my XXXX XXXX account through Zelle on XX/XX/2023