23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My SIM card was hacked XXXX2023. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my apps XXXX account, Klarna account, XXXX XXXX  accountXXXX XXXX  accountXXXX XXXX XXXX account, XXXX XXXX account and credit card, XXXX  credit card. Its still going on because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also using my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXX with XXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX2023 while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. My balance needs to be resolved and turn back to {$0.00} I did not make almost {$3000.00} in purchases on Klarna using my XXXX  credit card. I did not make almost {$100.00} on After pay using my XXXX  credit card, this card has been canceled and they are mailing me a new one due to fraud. This is going to effect me from buying a home if this isnt resolved this isnt my fault at all. You need to track and see who did this and dont allow them to receive what they purchased using my credit card through Klarna and XXXX XXXX This needs to be taken serious and when I call in to speak to your agents or email they are extremely rude and give me a hard time like Im lying. This needs to be investigated and find out who did this please. Thank you.
Product: Credit reporting or other personal consumer reports

On multiple recorded phone calls, latest being XXXX they verified my credit protection end XXXX but in my attachment it shows their last payment was in XXXX. In asking they pay all late fees and payments back dated to XXXX until now IMMEDIATELY. AND reported to beaurus immeditatey
Product: Credit reporting or other personal consumer reports

So XXXX isn't reporting my payment history on my credit report and I paying
Product: Checking or savings account

XX/XX/XXXX I received a call from a friend at XXXX in an emergency asking for XXXX dollars I was half asleep and sent what I thought was the XXXX just to find out it was XXXX instead I reached out to the person and they tried to convince me that I only sent XXXX so I reached out to chime and I was informed before filing a dispute I have to attempt to contact the person which I did and the person stated I only sent XXXX dollars and on XX/XX/XXXX sent XXXX dollars back I stated that it was XXXX and me and the individual had a heated argument which cause the person to block me on all platforms which caused me to block the person on my chime after doing so I received that my dispute was denied due to a denied transaction to the person which is impossible because I blocked the person so I reached back out to chime to inform them of the information and was told that they would start a dispute but I need to send screen shots of the messages and proof I'm blocked by the other person which I did on XX/XX/XXXX doing so I waited to hear from chime and never did so I reached out to chime on XX/XX/XXXX and spoke to a manager and I was informed that the images was not compatible with their system and I should've sent it pdf format which I was never informed I sent the proof verifying the transactions don't on XX/XX/XXXX and XXXX XXXX and I send the text messages as well as the screen shots of proof I continually reached out until I was blocked and chime is telling me there's nothing they can do.
Product: Checking or savings account

I monitor my bank accounts every day, each morning. On Monday, XX/XX/XXXX when i woke up and looked at my WF account, i had noticed my account was in negative status. I was curious as to why, saw transactions and there was an auto charge from company called XXXX for {$88.00}. This transaction WHICH was not even processed just initiated caused my account to go negative. I was not aware of this auto charge so immediately i called the company to seek refund but they stated they couldn't until they received items that were shipped. I just received the items today, XX/XX/2019 therefore i will be shipping back to company these products to initiate {$88.00} refund. With that i believe all the Overdraft Fee 's i've been applied should be refunded because if this charge never went through then i would not have been in this position. Now I have {$100.00} going into WF direct deposit into this account that will be wasted due to negative balance. I have already shifted my direct deposit to another financial institution that i know confidently would have addressed these charges. I feel that if WF had processed the transactions in the order that they were initiated i would not be in this position. So that morning, XX/XX/XXXX i called WF XXXX # to discuss charges. The rep stated that the XXXX charges hadn't gone through yet which i understood but because it was processed this caused my account to go negative. I don't understand. Rep was not helpful at all and i was not in the best of moods when i called she then offered to transfer me to manager and i  waited for quite for moments before i had to hang up and actually walk into work at WF. WF then has called but due to work not able to answer until Friday, XX/XX/XXXX when I returne their call. First thing REP asked me was how was i going to pay the OD fee. I stated i am not and i am acutally in process of filing compliaint to CFPB. He then stated ok, let me transfer you to Office of the President and because of waiting for 5 minutes on hold i hung up as i did not have time to wait due to meeting. I have not since discussed with them as I was waiting for package to arrive and return to start that refund process first from XXXX to lower the negative balance. On Friday, my balance decreased by {$100.00} due to automatic deposit from work which that was a waste of {$100.00}. 
I literally week before ran into this and they were helpful in crediting me 75 % of the overdraft fees because XXXX charged my account in error and i called asap to have resolved account credited i believe same day or next day. These transactions were for {$3.00} caused my account to go negative for less than {$10.00} and WF and their absorbent OD fees charged me {$70.00} in fees for less than {$10.00}, very sad and unfortunate how much this organization makes just in FEE 's - overdraft fees, monthly {$5.00} service fees to maintain a savings account and however else they are making money and attempting to rebuild customer trust as well as employee trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

some inquiries was posted on my credit report without my permission. 
XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Brclysbankde XXXX, DE XXXX ( XXXX ) XXXX
Product: Checking or savings account

This is a follow up complaint to complaint XXXX which was closed by your bureau but it was not resolved. My wife STILL can not access ALL of our money at Chase which I believe is criminal to say the least. This is the biggest bank in America?? 
Someone from Chase ( XXXX ) called after the above complaint was made and said he would be looking into the situation and would get back to us. He never did. Today, I went online to see what was going on and it said " closed '' and there was a .pdf letter. Case number is XXXX. We never received it. I did print it out and there was a reference number and phone numbers. We called and once again we started the transfer nobody can help game ( after speaking with XXXX at the executive offices who told us they would be able to help and she could do nothing ). Initial person said they could not help and transferred us to someone else. She ( XXXX ) after speaking with us for 10 minutes and trying to give us a cyber security lesson, then said she could not help and would have to send us to online banking ... ..but we did this exact same process under the last complaint ... ..for 2 hours one night, and 3 hours the following night, both to no avail. That is in addition to the 2 hours my wife spent in the branch. For the written record XXXX told us that we had to change our e-mail address and password and if we didn't Chase would not be liable for any funds missing from our account. We can not access the account to change anything. We tried to tell her this but, again, to no avail. We will still hold JPM liable despite her disclaimer on a recorded line since they can not give us access to change anything. I called XXXX back at the executive offices and she is supposedly having a manager call me back, but I am sure that will never happen. If this bureau is worth anything you will realize Chase is denying my wife access to our money and nobody cares.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft and am disputing several accounts and inquiries on my credit report that I did not authorize. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete all fraudulent accounts and inquiries listed below. 
Fraudulent 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hi, I am constantly being harassed by a company called Credit Bureau Systems. This company keeps sending me bills saying I owe medical debt, they've even placed a {$55.00} charge on my credit reports. Since I am on XXXX and have told this company they continue to send me letters and make phone calls about this supposed debt. I have never had any dealings with the above mentioned company and In no way do I owe them anything. Since this company continually sends me letters and continues to harass me by phone knowing I am on XXXX they are leaving me no choice but to obtain legal advice which is something I can't afford. This company needs to remove all information about me from there records and remove the negative reporting to the credit reporting agencies.
Product: Checking or savings account

I transferred {$50.00} from my Navy Cash Rewards Visa to my savings account on XX/XX/XXXX. I checked my balance on XX/XX/XXXX and the account showed a XXXX  balance. I sent Navy Federal a message twice on the app and they responded and notified me that they took the money to pay off a debt I owed on an old checking account that was closed. My issue is that the money was taken without my knowledge or authorization. They just took the money out of my account without letting me know to satisfy a debt. I asked them to send me a bill. I attached a screenshot of the message reply I received back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus say they have completed an investigation and have verified these inquiries. I have no idea how because these are not my inquiries. 
This is Inaccuracy and false reporting. And they are really hindering my credit report. 
TO WHOM THIS MAY CONCERN PLEASE HELP!! 

XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - Mortgage Reporters XX/XX/XXXX XXXX Mortgage Solutions Mortgage Brokers XX/XX/XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My PayPal account is showing " limited '' and will not let me close my account. A company called XXXX XXXX and XXXX XXXX set up an automatic payment when I purchased some books from them. They took {$100.00} at a later date when not authorized. That company refunded me ( through PayPal ) immediately after I contacted them but I had also notified my bank and PayPal who opened an incident. 

My bank refunded my account after working with PayPal to resolve the issue so I was refunded twice. PayPal limited my account and wanted one of the refunds back. I have followed all the steps to resolve the limitation on my PayPal account. I transferred the refund back into my PP account and I have tried to confirm my bank multiple times within the PayPal website. I am having issues getting this resolved and there is never a person available to speak to. It is only the PayPal Assistant that sends me back to the same places on the website. I have called ( never spoke to a person ), and sent multiple messages to PayPal requesting help. I tried to close my account and it will not let me with that limitation on there. 

Basically, I have done the checklist that PayPal shows I need to do to resolve my account. Issues : The Resolution Center checklist does not show that I paid the money back to PayPal and the PayPal website does not give me the option of confirming my bank account. I can not get help from a person at PayPal and have received no responses to the multiple messages that I have sent.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX & XXXX Balance : {$10.00} XXXXXXXX XXXX XXXX Balance XXXX {$78.00} XXXX  XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00}
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed some somethings weren't correct. I sent a letter to Experian on XX/XX/2023. Tracking number XXXX. But is has been more than 35 days since the credit bureaus haven't responded. That is a violation to 15 USC 1681I ( A ) ( 1 ) ( A ) Under 15 USC 1681I ( A ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Dear Equifax Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

Waiting.
Product: Credit reporting

Dear Sir or Madam : I recently pulled my credit and the following accounts are not mines. Someone is using them without my permission. Please remove the accounts promptly within 7 days and please stop the ability for them to continue to use my credit by putting a freeze on my credit report. Letters have been sent to the reporting agencies and the cfpb. I have attached the Identity Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX - XXXX - {$9400.00} XXXX XXXX XXXX - {$4900.00} XXXX XXXX XXXX - {$5100.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Debt collection

LVNV FUNDING LLC ( LVNV FUNDING LLC   XXXX   XXXX   XXXX     XXXX , SC  XXXX  is reporting that I owe them {$1000.00} for some type of loan. I do not have a contract with them nor have I ever had any business with LVNV Funding. The account was removed from my credit report on   XXXX   XXXX  , 2017 and was reinserted on my credit reports on the same day. I was not sent a notice 5 days prior to the debt put in collection, so by law this debt has to be removed.