23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2016 I lost my wallet at that time I filed a report. Most recently I filed another police report. Professional debt med is advising that I owe a debt of $ XXXX to the XXXX XXXX XXXX XXXX. I have spoken to the XXXX site several times and they have advised me they have no record of me staying in their complex around any dates this debt is being advised. I need this removed because it is affecting my credit and this is not legally mine. Case number for police report is below with officer badge number and name : XXXX XXXX badge number Officer XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I noticed money transfers on my acct i received to phone calls from someone stating my acct was red flagged which i believe was the person doing the fraud well they hacked my bank acct and fradulenty sent XXXX in a money transfer to a XXXX XXXX but made it look as I sent it i received emails stating my acct was accessed from a XXXX XXXX which i do not own nor to i know any one in XXXX florida whome which i pay rent to upon contacted my bank Current bank in which i was unsuccessful in my dispute they claimed they were able to recover XXXX from this acct and wanted to offer a courtesy XXXX which is wrong i work hard for my money im a widowed mother of XXXX on a fixed income i have given all supporting documents and there is no resolution to my issue please help me get what is mine. Also so this does not happen to another innocent person.
Product: Bank account or service

In regards to my intial complaint # XXXX, regarding chase charging me numerous overdraft fees and those fees cascading into more fees, and being told by chase they would n't do anything to help even though the information on my online banking was not accurately reflecting my balances, chase has now lied to me directly. 


Two days ago I went into my branch and complained about this overdraft fee fiasco and the branch banker said she had absolutely no power to reverse fees because chase has in the past ... she did not care that past fee reversals were because of bank errors, hacked XXXX accounts, chase putting a hold on a chase quickpay payment to me because of it 's security concerns ... .none of those things mattered as I was smuggly told I have had too many fees reversed. She said she wanted to but the system would n't let her. Well yesterday I called chase corporate to file a complaint and the gentleman that helped me there decided to reverse half of the fees XXXX dollars ( yes, chase has charged me over {$150.00} in fees in the last few days because of a few dollar overdraft that really was n't my fault ) when I asked him if I was eligible to have fees reversed he completely contradicted the banker at my branch and said my account was eligible ( though he chose to only reverse half of the fees because he too said ... can you guess? ... he said my account was n't eligible for more reversals. ) So now chase is actually lying about it 's ability to reverse fees, while continuing to not give a hoot what caused the fees. I mean, it did not matter at all what I explained. Clearly the policy of Chase is to now lie to it 's customers about it 's lack of ability to reverse a fee. It is also a policy to simply say that the computer system does n't allow reversals ... no matter the circumstance. This is now bordering on actual fraud. And I 'd be more than happy to share all of this information as I 've documented every conversation I 've had, phone and personal. 
Further more ... .for some unknown reason, my overdraft protection is not kicking in like it normal does. ( there is enough to cover the intial overdraft, but it did n't kick in ... .Chase did n't care when I explained this to them ) Oh wait, but that is not all ... ..the gentleman at corporate told me the exact amount to deposit into the account to avoid anymore fees. So I deposited that and a bit more as soon as I got home from work. And when I got up this morning guess what I found? Another fee that has overdrafted my account once again!!! 

This is fraud, theft, and abuse. Seriously, how can banks get away with this?
Product: Money transfer, virtual currency, or money service

I got a phone call XX/XX/XXXX stating they were XXXX XXXX threatening to turn off my electricity. They prompted me multiple times to use Zelle to send them money. Phone number XXXX ( XXXX ) XXXX. Once i hung up i saw that XXXX XXXX does not accept zelle. My bank XXXX would not take responsibility nor zelle. I called the number back to urge them send the money back. They told me you knew this was a scam and hung up. They took XXXX & XXXX from my business account and XXXX from personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing to remove the inquires Please see attachment below. 

XXXX have also re inserted an account that was removed and failed to notify me violating the law. 

Trans Union is also re inserted an a count that was removed and failed to notify me violating the law. 

Please see Documents below
Product: Consumer Loan

XX/XX/2015- validation request was sent to CNACXX/XX/2015- XXXX validation request was sent to CNACXX/XX/2015- XXXX validation request was sent to CNACThere has been no response despite having sent the request to address on credit report and another address found on line.
Product: Debt collection

On XX/XX/XXXX, I had ( XXXX ) medical accounts in the amount of {$47.00}, {$40.00}, & {$330.00}. I called the collection agency and they agreed to settle for {$330.00} which was successfully debited from my checking account on XX/XX/XXXX. After the verbal agreement, I followed up in writing and requested that the collection agency provide there agreement to delete the accounts from my credit report in writing. I never received the letter, but I spoke with XXXX XXXX from the collection agency and was told they would have the accounts removed from my credit report.I called today ( XX/XX/XXXX ) and spoke with XXXX XXXX. He began to yell & scream at me because I asked how much longer is this suppose to take because I was initially told it takes 5-14 days. To date those accounts are still reflected on my credit report. I 've held my end of the contract but, they are taking their time fulfilling our agreement. I feel like I should n't have to be talked down to because I called to inquire about our agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX  XXXX XXXX, XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit agency is reporting the wrong name on my file and i would like for them to get rid of the wrong name which is XXXX XXXX XXXX i have never been know by that name or will i ever go by that name my Full Legal Name is XXXX XXXX XXXX and thats all that should show on my reports please get this fixed asap and i would also like for experian to get rid of the accounts on my file that have XXXX XXXX on them due to not being my name and get rid of the collection account,
Product: Credit reporting

Equifax is reporting a " hard credit inquiry '' from XXXX XXXX XXXX XXXX, XXXX. I told Equifax that ( 1 ) I never asked XXXX for any services ; ( 2 ) XXXX does not provide any services in XXXX where I live ; ( 3 ) XXXX told me that they have no record of any account or request in my name ; and ( 4 ) XXXX told me that they did not make any credit inquiry about me. Nevertheless, despite repeated requests, Equifax refuses to remove the erroneous information and this is adversely affecting my otherwise " excellent '' credit score. I have written to Equifax several times, pointing out the absurdity of their report, but they have refused to remove the false item from my credit report ( which, by the way, is not shown on any other report from any other credit reporting agency ). I told Equifax that their inexplicable failure is costing me time and money, and that I would report their misconduct to you, but they do not seem to care.
Product: Credit card

When I set up my account for a payment plan I was told that I wouldnt have any late payments and that the initial payment would be distributed into the monthly payments that Id be paying. Ive made monthly payments on this account for years and it is showing that I have not paid anything. Now my credit score is suffering.
Product: Debt collection

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

They are reporting inaccurate and non verifiable item to the Credit bureau and I have send them a letter over 2 months to show me proof of how this come about and nothing from them up todate.
Product: Student loan

Good afternoon, For several years ( since XX/XX/2008 ) I have been having trouble with my student loans. During my divorce our combined student loans ( mine from XXXX, XXXX and his from XXXX, XXXX ) were " ordered '' to be paid by my ex husband and I took other debt to equal things out. Since that time the debt has remained on my credit and despite court documents saying that I am not supposed to have to pay this back, it remains in my name and on my credit report. Navient ( the loan was formerly with XXXX ) indicated that since it was a federal loan the states decision that it was not my burden any more did not affect them. Quite frankly this does not seem right. This has impacted my ability to buy a house, retain credit, and shortly will impede my ability to get financial assistance to send my children to XXXX. To make matter worse my ex husband has not made a payment on the loan since our divorce and the amount is now almost doubled. There has got to be a way to relieve me ( and my children ) from this burden. I have tried all that I can think of and now I am hoping I can get some assistance from someone in government. I have to believe I am not the only person in this country that is affected by such things and if I can help others while helping my family by bringing this to the attention of the government, that would be even better. 
Can you let me know where I would take this issue to seek assistance? 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Student loan

I recently contacted Aidvantage about my loan and income driven payment plan renewal. 

I processed my request via an aidvantage rep and through the studentloans.gov portal. 

I have only received one correspondence that shows the information about my most recent request. However, it was an email and not the confirmation of repayment. 

Subsequently, Aidvantage has generated payment information that does not correlate to my new Income driven payment plan. The reps are rude, unknowledgeable, and don't even bother to validate account information, neither look it up. The reps on the phone are trained to give a script, but not review actual information. This is creating undue harship for me because I need the new income Driven Payment plan information generated so I can refinance my mortgage. This has been a nightmare and literally like talking to a brick wall dealing with Aidvantage reps. There are no supervisors or live reps that have the wherewithal to handle complex situations outside of their scripts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

I hold a mortgage with Ocwen Mortgage company. Since XXXX, I have been behind my paying my mortgage. I have contacted them telling them my husband 's company was slow in his XXXX but we should be able to catch up. In XXXX, I tried to make a payment to their website where I have established an account but I could not go through successfully. When I contacted an agent, the agent advised me to do it through XXXX XXXX and assisted me in doing it. A few days later, Ocwen sent me a mail telling me that I should include my accoutn # on the XXXX XXXX payment which is odd because the payment was made with the assistance of an agent. Fearing that that something was not right, I went on and paid through my bank account and it went through. On XXXX XXXX, I called the automatic phone line of Ocwen and initiated an automatic payment. I received an email confirmation that the payment was received. But for days, I noticed the money has not been cashed out of my account. I called Ocwen and talked to an agent and asked why the money has not been cashed out. The agent told me that it will be posted. I wanted to make another payment before the XXXX of XXXX but I was worried that the last payment has not been cashed out. On XXXX XXXX, I received a call from someone identifying himself as an Ocwen representatitve. His first sentence was that the conversation was going to be recorded. Unsure of who that person was, I informed the agent that I was going to record the conversation too. The agent hung up the phone on me. What ensued after this incident was a cascade of conversations with Ocwen representatives depicting lies and excuses for not receiving the payments as posted. I offered to pay some other way besides XXXX XXXX or the automatic vocie mail to bring my account somewhat up to date. I was refused to do so and I was accused of putting the wrong information causing their intake system to reject my payments. I was told that I had passed my 90-day limit and could not pay at all. This has caused a lot of frustration and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again XXXX XXXX removed the bankruptcy dismissed from my public record. The company where XXXX, XXXX, and Transunion picks up matter like this to report resolved this matter in XXXX. So if XXXX XXXX rep realized it and removed it from my public records. What is the actual problem? XXXX  removed it yet and still I have showed proof to XXXX  and Transunion and still going through this after getting a letter from Transunion that it was deleted.
Product: Debt collection

This company, Lockhart , Morris & Montgomery contacted me sometime in XX/XX/2022, claiming that I owed them {$7800.00}. On XX/XX/2022, I requested a copy of any documents, bearing my original signature, showing that I have ( or ever had ) some contractual obligation to pay the alleged amount. When they could not provide such competent validation of the debt, I again wrote them on XX/XX/2022 requesting to have the debt deleted from my credit report. When I noticed that they did not respond to my demand, I sent them another letter on XX/XX/2022 asking them to remove the item from my credit report. They have refused to do so. Hence, I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these collections several times proving to Transunion this account is fraudulent and did not have my consent. 
I disputed these accounts since XXXX XXXX. 
XXXX XXXX XXXX {$1600.00}
Product: Checking or savings account

I was managing my XXXXXXXX XXXX account. I signed in on XX/XX/23 to realize several unauthorized XXXX XXXX  card transactions. I called and reported it as soon as I realized it and filed a claim. I know someone on the fraud team who was able to review the atm footage and showed me the image of the person who stole from the account. It was my XXXX at the time. I immediately called the police and XXXX XXXX  charges. XXXX XXXX the XXXX card from my wallet and replaced it with an XXXX  card of someone else so I wouldnt know it was missing. The bank denied my claim. I called and explained the situation and the rep refiled the claim as I work for the bank and another friend looked up the claim and advised me the first one was entered wrong. I have proof in form of texts and video that show my now XXXX admitting to stealing the money without my knowledge. The bank again without reaching out to me, denied my claim. I am working with the detective who has told me she sent the bank a subpoena for the atm footage for all the ATMs he went to. The detective is working with a XXXX  XXXX for the bank who first claimed couldnt find the account even though account number, titling, and my own name was provided, now they have found the account but are still delaying handing over the footage for some reason even after they told the detective they found the account. It is now XXXX, 3 months after I reported it and the bank still has not handed the footage to the detective so that an arrest warrant can be issued. The bank does not seem to care that this is a XXXX XXXX  situation and doesnt seem to be putting effort to stop the financial abuse I was put thru. I am working with an investigative reporter who will be doing a story on this for XXXX and all details will be made public, including how citizens refuses to help. My XXXX  also opened up phones fraudulently in my name and another credit card with a different bank that those companies were able to resolve for me. Citizens is the only bank not willing to help resolve a financial abuse situation and is doing all means to not hand over the footage to the police. They instead closed the account and never credited me for the fraud. I will be speaking with a lawyer regarding the treatment by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding the XXXX late payment report on my credit report by Goldman Sachs XXXX which I believe was done illegally. I strongly believe that the report is false and caused by issues on Goldman Sachss end. I request that the late payment report be removed from my credit report immediately. 

There are multiple reasons to support my claim. Firstly, I was locked out of my account by Goldman Sachs when I created a new Apple ID/Email address, and they couldnt provide me with a way to access my account online or update my email/Apple ID address on the account. This caused me to miss seeing unauthorized charges made to my account and the ability to update my bank information to pay the account in full and close it. 

Secondly, I paid off the card in full on XX/XX/2022 ( before my Apple ID was changed ), assuming that the card would be at {$0.00}. I canceled all my subscriptions and updated all my payments to other credit cards. However, I kept being charged for subscriptions I did not recognize or that were canceled, XXXX {$24.00}, and Apple.com/bill for {$9.00}, charging me without authorization a total amount of {$34.00} for 7 months ( XXXX ). Since I couldnt access my account, I wasnt aware of these charges, which led to a late payment. 

Thirdly, I reached out to Goldman Sachs via Apple Chat and phone calls on XX/XX/XXXX, XXXX, and XX/XX/XXXX, explaining that I wanted to access my account. I explained to them that I had switched to a new Apple ID account, but they told me that they couldn't help me update the account. Eventually, I was able to recover my old account through Apple and gain access to the Apple Card portal, but by then, it was too late. I scheduled payment on XX/XX/XXXX via the online portal, and although I told the representative my situation ( on XX/XX/XXXX prior to the 30-day late report ), and since he couldnt help me access the account, I told him that I would try to recover access through Apple and just to note it and not report me because of that circumstance. One day later, payment was scheduled, but they still reported me late. 

I strongly believe that Goldman Sachss negligence in creating a proper portal and system for users has caused me great damage to my financial reports. They have not covered the scenario where users of their credit card may change Apple IDs in the future, and they should offer access or the option to update the email/Apple ID. As a result, I seek the removal of the 30-day late payment report from my credit report.

I do not seek any fee reimbursement, only the removal of the late payment report from my credit report. I believe that this late payment report was made illegally and without proper justification. I would appreciate a prompt resolution to this issue. Please contact me if you require any further information or documentation. 

Thank you for your time and consideration.