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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX 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

I recently received a copy of my credit report which showed an account balance of " {$5400.00} '' from " Genesis Credit Management '' which I do not recall authorizing. I understand that an account should not show on my credit report if I have not authorized it. Please have this inquiry removed from my credit immediately as it is making it difficult for me to acquire credit. I have reached out to the company via email for verification of a signed contract agreement with them, which they have not provided. They also have repeatedly called me regarding this alleged debt. According to the fair credit reporting act, section 609, ( a ) ( 1 ) they are required by federal law to verify through physical verification of the original signed contract.
Product: Debt collection

I signed up for a " Free Trial '' online disclosing all my information including my name, address and credit card number. A couple of days later I received an email saying that they had charged me {$79.00} on my credit card, so I had cancelled my membership in hopes of not having to pay the charge because I had not seen any information saying that they would be charging me for a product I had not even used.
Product: Checking or savings account

I paid XXXX $ to by a kitten online and the person was fraud and he did send me kitten after hot the money I opened the dispute with my bank citizens and they just closed the dispute without give me credit on fraud transaction
Product: Checking or savings account

On XXXX XXXXthst XXXX to XX/XX/2022 my Chase checking Account started being charged by the merchant XXXX XXXX XXXX My Checking Account was charged a total of {$13000.00}. 

I immediately contacted the merchant company as soon as I noticed on the chase app l the transactions that went out to them. I noticed this on XXXX XXXX after checking my chase app. 

The company was unable to help because they was asking me to verify my identity using a code sent to my email in order to access any records/personal information in their system but it was impossible since I did NOT have an account with this merchant and never used them before in the past. They told be if I believed someone else made a account using my identity that I should immediately contact my bank and let them know. 
I then contacted my Chase Bank right after on XX/XX/2022 and explained to them what had happened. 

They assured me that they will look in to it and not to worry because since the transactions were unauthorized they will be able to help me get my money refunded back to my account. 
After opening a claim with Chase regarding each of the transactions that went out to the merchant I waited and called for an update every day from them. The last time I spoke to someone they told me I will have my funds returned to my account on XXXX XXXX. 
It is now XX/XX/2022 and Chase has closed to dispute without an explanation and havent received ANY of my funds back. I called Chase and was told the reason was that it was authorized by someone through a text message which was confusing to me because I havent received any text message from anyone to verify anything. I asked them for proof of this and they basically said they dont have it. Chase has not provided me anything or any further details regarding this. 

I contacted Chase again the following day and they stated they have sent out a letter but its been XXXX weeks since I filled the claim and I still havent gotten any letters from Chase regarding this unauthorized transactions I reported. 

I also asked to speak to a manager or someone who could be of more help and after being placed on hold for over an hour the call got disconnected. I spoke to my lawyer and my lawyer have advised me to firstly CFPB and tell them everything.I will also be filling some king of police report if necessary. 

I dont know what else to do. My account is now in the negative and I really need help with this situation. I trusted Chase with keeping my account safe as promised in their terms and conditions and they have failed me.
Product: Debt collection

I recently reviewed my credit report and found a debt in the amount of {$990.00} that is being reported by a collection agency by the name of AR Resources..this is not my debt.
Product: Checking or savings account

Security Breach of Personal Information by Navy Federal Credit Union I recently received a letter from the U.S. Department of Justice notifying me that I have been identified as a victim or potential victim of identity theft linked to a fraud case involving Navy Federal Credit Union. According to the letter, XXXX XXXX XXXX XXXX, has been charged with conspiring with others to fraudulently obtain the identities of real people with accounts at Navy Federal Credit Union and other financial institutions. 

The letter states that my personal identifying informationincluding my name, date of birth, Social Security number, bank account numbers, credit/debit card numbers, and/or other sensitive informationwas used or possessed by XXXX XXXX or one of his alleged co-conspirators. This suggests that my personal information may have been compromised due to a failure by Navy Federal Credit Union to adequately secure my data. 

This breach of my personal information is deeply concerning, as it exposes me to potential financial harm, identity theft, and significant stress. I believe Navy Federal Credit Union failed to properly safeguard my sensitive information, and I am seeking answers and resolution for the following : 1. An explanation of how my information was accessed and compromised.

2. Assurance that steps are being taken to secure customer data in the future.

3. Remediation, including any necessary credit monitoring services and compensation for potential damages. 


Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial Service has placed a collection under my name which doesn't belong to me. I try to get them to remove the account, but they refuse to do it claiming that it is my account.
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 Account Number : XXXX Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 received an alert from XXXX XXXX alerting me that I voluntarily closed my XXXX XXXX account. I just simply paid off my loan. Considering that there is an existing investigation with XXXX, I should not have a closed account. If anything, the account should say PAID IN FULL. My XXXX  Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have XXXX XXXX to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because XXXX has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark on my report.
Product: Checking or savings account

I opened a new Certificate of Deposit Account at Popular Bank website on XX/XX/2023 during a promotion. The online application was completed and a confirmation number was received instantly. I began the funding process and the initial fund was withdrawn from my external account into the new CD from an external account within days. I went back to Popular Bank online banking a couple of days after and I realized that I couldnt login to online banking so I called popular bank customer service; I was instructed by the popular bank customer service representative that the external funding account needed to be verified by popular bank that I need to show proof that I owned the external funding account. Within 2 days, the account verification was resolved. I was able to log on to my CD and I saw the initial fund displayed in the CD account via online banking. On XX/XX/2023, I logged on to the Popular Bank online banking and I witnessed the earned interest deposited into the account for the first month. On XX/XX/2023, I tried to log on to my online banking and I realized I was locked out again. I called Popular Bank Customer service and I was informed that my CD has been closed because the account process was NOT completed. I was informed that my signature was NOT received on file. This is infuriating. I was told that the initial fund would be refunded to the funding account. The interest earned for the 45 days duration in the CD would NOT go back to me because the account process was NOT completed. I filed a complaint to the bank on the same call. I received a complaint corresponding letter in the mail today stating that the earned interest is not applicable to me because the account was not completed my opened. I believe this is FRAUD! The account was opened online as a 13 month CD and I received the confirmation number confirming the account was opened. The fund was deposited and interest was earned. The account was verified afterward via a phone call. I logged onto the account multiple times since it was opened and nowhere on the account has any alerts indicating a signature is required nor an closure alert is pending. They kept my money for 45 days and wanted to not pay any interest earned. This is FRAUD. Please investigate!
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was involved in identity theft account potential XX/XX/2020 XXXX credit XXXX is not me involved in identity theft c Account open in XXXX I have XXXX addressed to be removed on my credit report also phone numbers
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time of transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issues appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate I have a fraud issue with synchrony Bank I had to open this is not a duplicate complaint. Synchrony Bank alleges that they cant speak to me in regards to my sams club credit line as I am a guest user. False! I am the original credit card opener my wife XXXX was not even there at the time. I even have the paper from sams club application I added my wife to receive a card thats it. XXXX never signed her name excepting them running her credit. This company is fraudulent when I tried to call the number to discuss with them its a dead line. They discriminated against me when lowering my limit from XXXXnto XXXX dollars. Because of my ethnicity how else would they lower it?
Product: Checking or savings account

On XXXX 2021 I was having lunch and received a call saying my electric would be turned off if I didn't pay immediately. I gave them my Chase Debit card information. Immediately after the call, I suspected it could be a scam so I walked across the parking lot to the Chase Bank branch ( XXXX XXXX XXXX XXXX ) and sat down with the branch manager : XXXX XXXX. I explained exactly what happened. He destroyed my debit card and issued me a new one that was suppose to arrive in XXXX business days. I specifically asked if there were any transactions that had happened as of that time ( he said no ), and asked if we've done everything needed to remediate this situation. He assured me that he had. I also asked what if any charges come in after this point, he said " don't worry, you have fraud-protection on your account ... ''. 5 days later charges start appearing on my account totaling {$2700.00} ( note : all of which were charged on the new number issued to me which I hadn't seen at that point ). I went back to the branch, spoke to a different banker ( XXXX XXXX ) who said don't worry, just file a claim. She also said that the manager should have closed the account and start a new one ( which she did at this point ). Again I was told not to worry. 
Chase Bank put the money back in my account however about a week later, they took it back out again. They said they reviewed the account and because I gave the hackers my number that they didn't have to cover the claim. I tried explaining many times that I understand and agree I did get scammed and gave them my number, but then I did everything I could possibly do to correct the situation and was told by the bank manager that everything was OK and done properly. 
As it turned out, the hackers created a new XXXX ID account in my name because they had my information, and attached the number to that account. When the bank creates a new credit card number it automatically updates the XXXX ID so the hackers had access to my new credit card number a week before I did. 
This is clearly an issue with the Chase 's banking system. The manager should know this ( as his employee did ) and simply closed the account. 
Chase has told me on a couple of occasions that this is not fraud, it's scamming. I disagree : Yes, the " scam '' was them obtaining my information ; " fraud '' is when they used that information to fraudulently purchase a number of items in my name. 
As insurance is a contract of adhesion, this falls very close to a " bait and switch '' tactic : telling me not to worry, I'm covered only to find out later I wasn't. 
I also believe I can't be the only person this has happened to which means this falls very close to a class action law suit. 
The point is I did everything I could possibly do in an extremely timely fashion to stop this from happening. I was told by the branch manager that it was all taken care of and not to worry, and even if charges were to appear later that I would be covered under the fraud-protection program in place on my account.
Product: Debt collection

I have explained to this company several times that I paid this bill in full. The exact response I received was " oh well, XXXX said that you never paid it so you have to pay us {$500.00} or we will ruin your credit. '' That is the response that I received word for word! I asked them to send me a bill showing what this {$500.00} was for. They said that they do n't have bills and they only have the balance. I am being blackmailed into paying a bill that I do not owe.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX - {$5300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$6000.00}
Product: Checking or savings account

I opened a checking account with Capital One in early XXXX. I was excited to start using my checking account. Throughout the month of XXXX, I received countless emails from Capital One, offering and encouraging the use of their 'mobile deposit '' feature. I thought this was a great idea, since I do not have a branch near. I also received a email my account would be closed if I did not make a deposit soon. After using the mobile deposit check feature on XX/XX/2023, Capital One saw this as an opportunity to extend me hardship for their own gain. I received a email my account would be " restricted '' due to 'unusual '' activity on my account. There was no " unusual activity '' on my account and the action was AUTHORIZED by me, the OWNER.. I received another email that my deposit would be held until XX/XX/2023. Upon checking Capital One 's funds availability policy it states that no later than the 7th business day, I could expect the full release of my funds. Today is now XX/XX/XXXX, my deposit has cleared with no issues, and my account is still currently restricted. Capital One never called me first to verify account activity from XX/XX/2023 that they claim to be " unusual ''. They also did not do their due diligence to verify my deposit within their allotted time frame.
Product: Vehicle loan or lease

I was just notified that my XX/XX/XXXX complaint # XXXX was status closed based on the FALSE representations by ALLY that this XX/XX/XXXX complaint is a duplicate complaint from XX/XX/XXXX. INCORRECT. The prior XX/XX/XXXX complaint was closed in XX/XX/XXXX/XX/XX/XXXX and involved early XX/XX/XXXX payments that were misapplied. No sooner than this case was closed did the EXACT same problem happen to my XX/XX/XXXX/XX/XX/XXXX payment. I provided a letter from my bank 's ACH processor that confirms the problem and this letter is dated XX/XX/XXXX. This is a totally separate instance of the same styled problem and is NOT in any way a duplicate complaint. I have been awaiting ALLY 's response the my XX/XX/XXXX complaint only to now receive this ridiculous response. It appears that ALLY CSR calls all appear to be transferred overseas to what appears to be the XXXX and they're totally useless in this situation. My credit report score is being severely negatively impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681a ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( 2 ). | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. All XXXX Dept of EDXXXX
Product: Mortgage

Ocwen began foreclosure before proper notification to the homeowner totally iillegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX do not owe Santander any money. They are reporting a XXXX balance on my credit report. I want the, to delete this from my credit report ASAP
Product: Credit reporting or other personal consumer reports

I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance of the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from and advocacy group helping me due XXXX XXXX debt bondage, which falls under trafficking according to TRAFFICKING- DEBT FINAL RULE 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed to be blocked and deleted company information. Transunion please delete the following accounts XXXX revolving acct with 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

I was astonished when I looked at my Equifax, XXXX  and XXXX credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.