23daVinci/CFPB_Complaints huggingface dataset:
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 account # XXXX Account Name : XXXX account # 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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit card

On XX/XX/year>, a caller identifying themselves as Goldman Sachs Apple Card hacked into my Goldman Sachs Apple Card digital card on my phone. I thought I had hung up in time, as the caller then called back 21 times to continue the call. The number is XXXX. 

I was then fraudulently charged for four purchases at the Apple Store online for 3 XXXX  purchases at {$540.00} each and an unknown purchase of {$36.00}, on that same date, XX/XX/year>. 

I filed a dispute with Goldman Sachs on that same date, XX/XX/year>, for the four charges, which they reversed temporarily as they investigated. 

On XX/XX/year>, Goldman Sachs removed the charges from my account for the {$36.00}, stating, " Goldman Sachs Bank USA has investigated your transaction dispute, and concluded the merchant charge ( s ) will be removed from your account. '' On XX/XX/year>. regarding the charges of the {$540.00} x XXXX, Goldman Sachs stated, " Goldman Sachs Bank USA has investigated your billing dispute, and concluded the merchant charge ( s ) will remain on your account for the following reason : The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase. '' I then called Goldman Sachs, and they provided that same reason verbally. On XX/XX/year>, I filed a second dispute after receiving a paper bill in the mail for the {$1600.00}. 

Other cards of mine, including debit and visa were also fraudulently charged on and after XX/XX/year>, and all charges reversed. 

Thank you so much for any help you can offer. 

Best, XXXX XXXX.
Product: Checking or savings account

Starting XX/XX/2022, my Santander checking account debit card was utilized by individual ( s ) in Florida who had no permission to do so. Santander, or merchants, reversed these transactions. I thought I was protected for future occurrences. Instead, transactions amounting to {$2100.00} were made, but no reversals were executed. 

Calls to the bank indicated that I should not worry. An investigation would be conducted. The results were that NO ERROR OCCURED. I questioned this, to no avail. The bank representative indicated that only new evidence would restart the investigation, and she stated that my PIN had been used. It seemed she blamed me for this. 

I have photo records of transactions, supplied by the bank, as well as photos of my bank account during these transaction. I am seeking reversals of all transactions.
Product: Checking or savings account

I disputed 3 transactions : 2 unauthorized for {$51.00} and {$72.00} from XXXX. These are international charges I have no idea who that is. International charges are forbidden on this card regardless. 

1 returned merchandise for {$320.00} that XXXX. I even gave Chime the credit slip. They refused to help me. The credit slip is attached. 

I have spent hours on the phone with Chime bank to no avail please help.
Product: Student loan

My plan was to get some student loans paid off before interest starts back up, but twice now my attempts to pay have been blocked. 

First attempt was over a week ago. I got an email that the payment was posted and the loans were at zero, but my bank never pulled the funds from my account. The next day it showed " payment reversal '' on my account history, but I didn't get any notice of why. I called and they said that there was an error with the account number. I asked for this in writing so that I had proof before I resubmit the payment ( If they pulled the money twice I wanted proof that the overdraft wasn't my fault ), and was told it would take over two weeks to get an email confirming that the payment hadn't gone through?

I told them to send it as soon as they could but specify the dates. I got verbal confirmation that they wouldn't attempt that payment again.

Yesterday, after letting everything sit for a couple of days, I went to make the same payment again. Triple checked the account number. I got an email stating payment was confirmed! ( not " posted '' like last time ). This morning I woke up to letters in my AidVantage inbox saying the payment didn't go through because of invalid account number. 

Now that this has happened twice, I'm convinced this is not any error of mine. Both times I was careful to input my information correctly. I'm convinced there's a technical problem on their end, but their helpline people are useless. They switch between blaming the bank or blaming me. 

I've confirmed with my bank that no attempt was made to transfer money out of the account. 

Essentially I have no way to prove that the problem is on their end, and their system is being so buggy that I can't get accurate information.
Product: Vehicle loan or lease

Vehicle lease was paid off and vehicle was purchased. Payment was sent in priority mail. Check was stamped by Chase Auto on XX/XX/XXXX. I contacted Chase and they could not locate check. After waiting another 10 days, check was deposited by Chase. I was promised that the title would be sent within 2 business days. As of the mail today, XX/XX/XXXX, still have not received a title or vill of sale. Chase will not provide any proof that title or bill of sale was sent. Chase claims title was sent on XX/XX/XXXX but will not provide any proof. Chase says have to wait an additional 30 days to get another title.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Wow! Just wow! You guys are making me sick with all this non sense youre doing on my credit file. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers one by one and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I dont believe that you there at Experian have no time to tackle or review my complaints and Im sure you have seen my FTC report Ive sent. Dont you know you have instigated so much stress since youre still reporting this detrimental record on my credit file? You are damaging my credit file for this! I am a victim of identity theft and Experian is neglecting my complaints by not complying with FCRA section 605B. Please DELETE these items for theyre not mine! I DONT OWN THEM! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Financial Management Solutions contacted me on my personal cell phone in XXXX of 2015 attempting to collect a debt from an apartment complex that I believe I do not owe. While speaking with the representative, I explained to him that in XXXX 2015, I gave proper 60 day notice of my intent to vacate the property due to me having XXXX young children, XXXX being XXXX dependent, as a result of an uninhabitable unit that consisted of mold, a non working refrigerator, and a thermostat that had no mercury in it, which I repeatedly for 4 consecutive months complained to the management about, which were causing me and my children constant health issues. After vacating the unit on XXXX XXXX, 2015, I visited the rental office to return the door key, as I was never given a mailbox key. The representative in the office refused to accept the key and declined my request to schedule an appointment to do a proper walk through of the property, implying that the property had a new management as of XXXX 2015, in which tenants were not properly notified in a timely fashion and that I would have to submit a new 60 day notice to vacate. I attempted on several occasions afterwards to contact the new management to try and return the door key, perform a walkthrough and come up with a solution to no prevail. The representative from the collection agency, then replied that regardless of what I had said to him, his call was an attempt to collect a debt and ask me how much of a payment I was willing to make on that particular day. I explained to him that I was not agreeing to the debt and would not agree to make a payment. He then said to me that if I did not comply and agree to make an immediate payment along with an arrangement that he would be forced to take legal action and that he would be sure to report to the credit bureaus the said debt and that he would see to it that I would not be able to obtain another rental property for at least the next 7 years. He then went on to say to me that he was sure that I did not want to be displaced nor did I want to deal with his company moving forward with any legal actions because of my refusal to make an immediate payment. I requested that his agency send me proof of validation and verification of the outstanding debt that they believed I owed the original creditor within 30 days, which his company failed to do in a timely manner.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

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  An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

My social security number is XXXX On my experian credit report theirs is 2 negative items the other items is 60 days past due it supposed to be removed from my experian credit report I filed a federal trade commission identity theft report on file account number is XXXX its a loan also the credit collection account supposed to be removed too
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL POLICE DEPARTMENTS TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( 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 Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

Purchased, by phone, two chairs on XX/XX/XXXX. Never received the items ordered. When informed the Bank originally refunded the amount charged and interest. Subsequently the refund was reversed and the charges were reapplied to my account. 

The bank sent me a copy of two pages of a seven page FAX they received from the shipper which does not specify by name where or to whom the claimed delivery was made. 

I filed a police report in which both the merchant and the shipper stated the items were never shipped and were never delivered. 

I notified the Bank and sent them a copy of the police report. They have refused to adjust my account or even to acknowledge the report. 

I was able to contact the merchant who told me the funds had been removed from his account in XXXX of XXXX. 

I contacted the office of the president of the Bank, several times, and have received replies from agents identified only by first name. 

I contacted the office of NH Senator XXXX. An assistant from that office agreed to try helping me. The Bank did not change their position after hearing from Senator XXXX office and have refused to credit my account. This inquiry was acknowledged by a letter on XX/XX/XXXX. 

XX/XX/XXXX I received a letter from the bank saying that a refund was forthcoming. XX/XX/XXXX I received another letter saying there would be no refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and Equifax reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX and XXXX is reporting the date last active as XX/XX/XXXX and Equifax is reporting it as XX/XX/XXXX. Which date is it? 

Why isn't XXXX XXXX or XXXX reporting any payment history? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment? When was my last payment received for this account? 

This account is completely inaccurate.
Product: Mortgage

I did a refi/streamline on my home loan in XXXX, received my payment coupon for XXXX which said 0 due and I will attach this, when I received my payment coupon for XXXX it said that I missed my XXXX payment and now owed a double payment, I called the company and faxed in the payment coupon they had sent me, I also texted my loan officer, they called me a couple of days later and apologized but that that coupon was for the previous loan and not the new one and they were sorry that I did n't get the correct coupon but that the XXXX payment was still showing late and that they could n't change it and that I still owe the double payment, this is affecting my credit and is not fair to me the consumer, the lady from Carrington apologized and said she felt bad but that there was nothing she could do. I followed their payment coupon and now I am being penalized for their mistake
Product: Money transfer, virtual currency, or money service

A company contacted me online about a loan, they told me they were going to deposit the loan money into my checking account, The Bank Synovus never has any material posted about online Fraud nor do they have post do not ever give out your information on checking account about loans.Why would anyone not update Bank and their activity on banking with online loan company and companies, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all these are online companies that offer loan but are scam companies why don't Bank regulatory police extend an company to the consumer highlighted warning about these type of people, I didn't know, why hold me responsible for what is real and what is fake, I don't know this is what I depend on the Bank managers and employees to know when i used to be a XXXX at XXXX XXXX XXXX we had every company fraud check listed in a book and every company that issued checks we had a number to call if a check was issued. 
Maybe I having a covid virus XXXX I don't know but I needed a loan for money to move and for doctor bills and for a car, I thought they were legit, But now account is in the negative XXXX and bank gave me the money they said it was real. I ask several times. I put the money on XXXX cards and XXXX XXXX   return to company for them to return money back as a loan they told me my credit was bad and that I had to establish credit and i could do that by returning the money in a fast pace in order to go to the next loan amount and then in the end I could get the amount I want for the loan. This all seem like a SCAM from the Bank Synovus Bank and XXXX XXXX XXXX I have no control over who has knowledge of a good or bad check I was taking a chance I depended on bank to tell the truth and they did not. Please try to help me because every bank I have been with has either scammed me or have done stolen Identity theft on my account. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX settlement XXXX XXXX  XXXX XXXX XXXX  workers comp. settlement, XXXX settlement XXXX half stolen from XXXX XXXX XXXX. ITS like that or keep the change on the money all my life I have had money stolen from me, I never get to keep it to move or be safe, I can't understand who is doing this or if someone has vodoo or roots on me that know each and every time to steal it and I can't move or get a car, XXXX XXXX even sold me a car with faulty wiring that looked like it was in the flood I didn't know what is happen to the world know one wants to help. I said I want someone to help me not hurt me does help sound like hurt me help me please I can't believe that I keep getting SCAM banks cars loans and now seem like people, please think how to get along and help one another. 
THIS IS SCAM and ALONE looking for peace.!
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony/TJ Maxx lied to me when they upgraded my store credit card to the Mastercard version back in XXXX by telling me that my payment, account history and opening date would transfer from the store card to the new account. That was not the case since the old account was still open and the new one was showing an opening date of XX/XX/2020 and not reflecting an updated balance. I called them on the XXXX to rectify this situation and the person I spoke with assured me the old account will be updated as closed and all my account history including account opening date will be transferred to the MasterCard account and my balance updated, and that I will receive a letter explaining this as well. I called again on the XXXX to confirm what the first person said, and I was told that was the case. Then today XX/XX/XXXX1st I checked my credit report and the old account is now showing as closed but the new account is having the updated balance but none of the account history from the old account was transferred to the Mastercard account. I called again and requested a manager. I spoke with " XXXX '' who was apologetic about the misinformation but she said what the other two people informed was incorrect. That once you accept the upgrade it is a brand new account and no account history will be transferred to it. That was not informed to me at any point and the two agents I spoke with provided me misinformation. I then asked " XXXX '' to please revert to my old account and close the Mastercard and she said that is not possible. Basically I was lied twice and they could not care less.
Product: Debt collection

In XXXX Jefferson Capital had a debt on my report that was not mine. I disputed it and it was removed from my reports. As of XX/XX/2022 it appeared again, I asked them numerous times to correct their mistakes. And because of their errors my credit score has went down. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX I'm a victim of ID Theft and I have sent chexsystem a copy of my ID Theft police report.

These two accounts are listed on my chexsystem report do to ID Theft. The last Four digits associated with these 2 accounts does not match my Social.
Product: Debt collection

At around XXXX I called Aldos and Associated debt agency to inquire about a current debt that was on my account. I spoke to a female and explained to her that I have no knowledge of this debt ( XXXX XXXX  ) and I am unsure why is it in collection when I have a open and current active membership. I felt she was unable to explain to me so I asked if I could speak to a supervisor. The supervisor I spoken to was XXXX XXXX. I explained to him the same situation and he made comments " I cant track when you go to the gym " " it shows no payment since XXXX " " we don't keep trackers ''. I then explained to him again I understand if was there anyway I could get my debt reduce etc because its COVID we are in a pandemic and I couldn't afford to pay the full debt amount. He then stated he don't do settlements. I then asked could he email me stating that they don't do settlements and can I get a copy of this recording as I wanted to see the appropriate document in which stated that. ( I asked for this because I worked with this debt collector in the past in which they was able to do a payment plan with my account ). I was simply a citizen asking for professional help during this hard struggling time of the pandemic time of covid. The supervisor was dismissive, stated things that was untrue, and was not even open to helping me the best way he could. He hung up in my face and did not send me anything that I asked for.