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

A fraudulent company called " Voyager '' aka Invest_Voyager tried to steal {$1800.00} out of my account through unauthorized ACH withdrawals last XXXX of 2021. 

US Bank was notified of this and had to stop them from using their multiple front companies from withdrawing funds from my account ending in XXXX. A new account was created after I filed a police report and submitted it to US Bank, and remaining funds were moved to a new safe account. 

The fraud claim TOTAL amount from the MULTIPLE unauthorized ACH transfers initiated by Voyager was {$1800.00} and fully documented. However, it has taken over 6 months now to get this money back.

I have been given {$1500.00} of the {$1800.00} back. US Bank sent a message in writing to me via the CFPB stating that they could not give the remaining balance of {$420.00} back to me that Voyager had stolen because " part of it was done as a debit or credit card transaction '' which is totally false, because Voyager never had access to my debit or credit card from me or any legal means and ONLY had access to my ACH and routing which was corrected. 

So now, I have gone from Voyager trying to steal {$1800.00} from me to US Bank trying to steal the left over {$420.00} by making up excuses of credit or debit card transactions which were impossible to exist, because the fraudulent company Voyager never had access to ANY credit or debit card and ONLY ACH. 

Again, I am requesting that the remaining {$420.00} be returned to my account at US Bank. The previous message from US Bank incorrectly stated that a remit of {$100.00} was an error in my favor, but it was not an error, because the banker saw that it was an ACH transaction like all the rest and SHOULD have been returned. 

So if that will stand, US Bank still owes me {$320.00} which I expect to be returned to my account promptly. 

I have written numerous times, without response, to the direct email address provided by the liaison division for direct contact with the actual fraud department which isolates itself entirely from the public and only interacts to their intermediary via XXXX internally. Enough is enough and I need the rest of my money back. 

I have waited more than enough for a satisfactory resolution to this matter without US Bank manufacturing debit ledgers for ACH only transactions to try and keep my money. Please resolve this. 

Thank you. 

Case # XXXX US Bank
Product: Credit card or prepaid card

In accordance with the fair credit reporting act, credit reporting agencies, have violated my rights, for two of my Chase Bank accounts for XX/XX/. 15 US 1681 Section 602 states I have the right to privacy. ( My information has been furnished ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I obtained a copy of my credit report from  XXXX  and found negative accounts that should have been removed from my report permanently within  XXXX  days upon completion of the student loan rehabilitation program. I successfully completed the program in  XXXX  of  XXXX . I spoke with multiple associates from Navient on multiple dates receiving misinformation that I would be mailed a letter from them stating that Navient no longer carries my student loan debt, as my debt was transferred over   XXXX    years ago, and that they would write the credit department and have the negative accounts removed from my credit report. I was even told that the debt removal would be reflected on my credit report by the beginning of  XXXX ,  XXXX  at the very latest, and after the  XXXX  phone call, that I would be getting an e-mail of this to fast-track the process. The U.S.  Dept. of Education su ccessfully removed the negative accounts on their end. After a duratio n of over  XXXX   months of repeatedly calling and receiving this same information, this never happened. Upon finally speaking with a supervisor, I was told that  Navient would not remove my negative credit remarks at all and that I should have wrote a letter to Navient    XXXX   months ago to dispute this. None of this information was given by their employees by t he   XXXX   previous len gthly phone calls. According to sect ion 674.39 of the CFR, Navient must re move all of my negative accounts since I completed the rehabilitation program and it has been way passed   XXXX    days since completion. My  XXXX  phone call with one of Navient 's associates was back in  XXXX  of  XXXX , though this is the  XXXX  phone call I did not write down the name and employee ID for. All other dates, names, and employee ID 's of my phone calls are as follows :  - XX/XX/XXXX ,   XXXX ,  XXXX  - XX/XX/XXXX ,  XXXX ,  XXXX  - XX/XX/XXXX  ,  XXXX ,  XXXX  - XX/XX/XXXX ,  XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  - XX/XX/XXXX ,   XXXX    XXXX  I am requesting that these items be removed from my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX denied credit card application via letter due to " The credit report shows a bankruptcy ''. Company advised consumer that XXXX  was the credit reporting agency who provided the credit report. 
XX/XX/XXXX Denial letter received by consumer. 
XX/XX/XXXX I pulled my Equifax credit report. THERE IS NO BANKRUPTCY LISTED. I do however have 20 years of credit history, 32 open accounts all in good standing or paid in full, an 8 % debit to credit ratio for revolving credit, one small XXXX XXXX dollar medical collection from XXXX that was disputed and a XXXX FICO score. 

Company appears to be using fraudalent data in order to deny credit.
Product: Debt collection

On XX/XX/, 2019 I received the first phone call from National Credit Systems Inc. XXXX XXXX was the employee who spoke to me. He used aggressive and loud language and while attempting to understand if the debt was added XXXX my credit report, he hung up on me. 

I called back and reached him where he told me if I didnt listen to what he had to say he would hang up on me again. I asked to speak to the manager, and he hung up on me. 

On XX/XX/XXXX he called me back and I told him I would make a complaint if he spoke aggressively toward me one more time. I was able to tell him that I am not disputing all of the charges owed, but my previous lease did not require me to pay for some of it. He stated that he filed the dispute. 

On XX/XX/, 2019 XXXX XXXX called me back and stated that the lease he had did not contain literature about pet damage. Once I realized the apartment complex provided the wrong lease, I provided the updated lease that included the pet addendum. I told her what paragraph to find the literature and we disconnected neutrally. 

On XX/XX/XXXX XXXX XXXX called me and spoke to me. He explained that the apartment complex would not remove the disputed amount of money. He told me that he never asked me for an updated lease and that he did not know what I was talking about. I reminded him that I in fact sent the email to his XXXX, XXXX XXXX with he email he provided me. 

XXXX asked me why it was a big deal to dispute the small amount that was owed instead of paying it. I told him my lease stated I was only responsible for a replacement and not a repair, as the literature stated. XXXX XXXX interrupted me and disconnected the phone call. 

National Credit Systems is refusing to mediate the amount owed and refusing to understand the literature of the lease in question. National Credit Systems is using harassing tactics to prevent me from paying only the money I owe. I have stated many times I am not disputing the majority of the debt and I am willing to make payments. I am unwilling to pay for what I am not responsible. National Credit Systems is attempting to stall on the issue to allow for enough time for the debt to go into  collections for purposes of profiting. I attempted to speak to the XXXX XXXX XXXX XXXX on XX/XX/XXXX but was only allowed to leave a voice mail and was told he would not accept my call.
Product: Credit reporting or other personal consumer reports

XXXX  never signed and seal by clerks 28 U.S. Code 1691 - Seal and teste of process XXXX  XXXX  and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) When the XXXX  seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) Adams v. Ally Financial lawsuit not on public record. Company stole car while under Federal Lawsuit Still keeping repossession on credit reports and clerks ignoring XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America hired XXXX and XXXX XXXX. to arbitrate a debt without burden of proof. Original complaint was filed XX/XX/XXXX. I, the plaintiff, replied within 20 days requesting burden of proof. Online account statements were sent to me in XX/XX/XXXX. Notification of court hearing was signed by XXXX XXXX XXXX that she certifies that I, XXXX XXXX ( the Plaintiff ) was served on XX/XX/XXXX. I received the notification of court hearing in my mailbox on XX/XX/XXXX. The court hearing is scheduled for XX/XX/XXXX. I replied to XXXX and XXXX XXXX. with a second request for validation sent via USPS express certified mail on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have attempted to resolve this matter with these credit reporting agencies for the past XXXX months. These fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been violated and my next steps are to take this case to federal courts for the misuse of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation
Product: Debt collection

This debt was never owed! This company is not the collections agency my management company even uses. This was a scam that is now on my credit report! 

XX/XX/XXXX, XXXX XXXX : Received a call from XXXX asking for my birthdate and SSN. I refused to give to them and asked what this call was in regards to. They said I owed XXXX XXXXXXXX a balance of {$1800.00}. I knew I had paid that amount in XXXX to XXXX XXXX XXXX who owns XXXX XXXX XXXX I immediately email XXXX XXXX who supports The XXXX as a XXXX XXXX XXXX employee. 

XX/XX/XXXX, XXXX ET : XXXX replies to my email and says, " I am up to date on my payment and she has no idea what I am talking about. '' She later in our email exchange shares proof of payment in XXXX and shares that XXXX XXXX XXXX and XXXX XXXXXXXX are NOT their collections agency and that this must be a scam. I look online and see others have claimed this too. I hear from the Collector one more time this same week and tell them I know I am up to date with my bills and that this is scam. I block their number. 

XX/XX/XXXX : In doing due diligence on my credit report, I noticed that FCO Collections is a line item on my credit report and that a balance it due. This was not meant to be on there in the first place as this is not who my management company even uses!!
Product: Debt collection

I am writing to bring to your attention the inaccurate information present on my credit report. I demand that you take immediate action to investigate and rectify this issue. I have noticed that the following information is incorrectly reported : XXXX XXXX XXXX Date Opened : XXXX Balance : {$12000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. I remind you that the Fair Credit Reporting Act ( FCRA ) defines the aforementioned inaccuracies as billing errors that must be corrected. The FCRA mandates that all credit information reported must be accurate, complete, and up-to-date. I demand that you take immediate action to rectify this issue. I expect to hear from you within 30 days of receiving this complaint. If you fail to respond within the given timeframe, I will have no option other than to take legal action against your bureau. I urge you to take the necessary steps to rectify this matter as soon as possible. If you have any questions about my request or the credit information in question, please do not hesitate to contact me.
Product: Prepaid card

XX/XX/year> I received a Wisely card through ADP, I dont have the exact dates unfortunately but called them twice to cancel it. The first they said I couldnt without permission from my boss. The second call I had my boss present, they told me it was cancelled.

Time passes, I redownload the ADP app and see the Wisely card ( although locked, ) along with monthly statements dating back to XX/XX/year>. Clearly the account was not closed. 

I called again Sunday XX/XX/XXXX, ( note there is no other option for contact aside from calling in, ) the person told me it is not possible to close a Wisely account. This was shocking to hear and caught me off guard. We hung up, I XXXX  how to close a Wisely account, Wiselys official website FAQ says Closing your Wisely account for any reason : Contact our customer service team for assistance in cancelling your card and closing your account. 

So I call them back again, considering its literally what their website says to do. The next person just tries reassuring me over and over that my card is locked so nothing is wrong and theres no problem. I keep pushing asking to please have my account closed, eventually they seem to say it is. I ask to be sure : Youre saying my Wisely account is closed already? She says yes. 

I follow up with it just seems strange for me to be able to view these 2 years of monthly statements if the account is closed. She just kept assuring me the account was closed. 

Its clear a third party is needed here.
Product: Credit reporting or other personal consumer reports

I review my credit report and the following items are not mine.

Also my XXXX credit score decreases with items it should increase with. 

Credit card theft XXXX XXXX XXXX XXXX - open XX/XX/2019. For XXXX XXXX credit card - opened XX/XX/2019 For XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Back in XXXX XXXX, I was laid off of work and could not afford to pay for my Capitol One student credit card. I discussed this with the bank, and they offered me no solution at the time. So I stop paying them. My credit card limit on this credit card was {$300.00}, and there was no way I could go over my limit except if late fees were stacked on it. In XXXX XXXX, Capitol One finally closed my student credit card and reported the credit bureaus that I owed them {$1500.00}. Today, Capitol One has a charge off on my credit report stating that I owe {$2200.00} total, which is 745.67 % over the limit! This is clearly a violation of the Credit CARD Act of XXXX.
Product: Credit reporting or other personal consumer reports

I ask that these unauthorized inquiries Be removed from my credit report by the following bureaus Equifax, XXXX, XXXX filed a report via XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XX/XX/2023 ,XX/XX/2023 ,XX/XX/2023 unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff on the XXXX & XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection has been paid-in-full and needs to be deleted from my credit report. I have attached a copy of the letter dated XX/XX/2020 from XXXX showing this account has, in fact, been paid-in-full. Please remove this line item from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I have been getting notifications through text messaging on my personal cell phone about purchases that are trying to be made and how I'm missing $ XXXX..i talk to the card company and they said it was going to be investigated and they told me that since they can't provide me legal documents concerning my account with them through the us mail, that they would email me my documents and i have received nothing not even an update on possible fraud.
Product: Checking or savings account

On XX/XX/2022 XXXX was taken from my chase business account given its a business account and I rarely log in because I didnt use the account yet but was told it was mandatory I deposited XXXX minimum. I ended up losing my wallet the week before and money was withdrawn from my account. I called to file a claim they credited me XXXX $ but shortly took the money back causing me to be XXXX and business basically failed due to this financial hardship. Idk what to do its been 1 month since the incident. The person who took my wallet returned my license but nothing else this is unfortunately the only proof I have.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed a new Credit Card was opened on XX/XX/XXXX with Barclays Bank Delaware, address po box XXXX, XXXX, DE XXXX by reviewing my credit report monthly. I didn't recognize this card and knew it's fraud as I didn't request to open any credit. So I submitted a dispute to the XXXX credit reporting agencies in separate dates : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 
On XX/XX/XXXX, I received a letter from Barclays Bank Delaware dated XX/XX/XXXX stating that " they received my dispute but confirmed that my account information is being reported accurately after they did an investigation '', and this letter also states it is a " Frontier Airlines XXXX XXXX ''. 
I called the Barclays Bank Delaware Customer Service number XXXX on XX/XX/XXXX ( same day I received its letter ) to report a fraudulent activity and got to speak with its representative named XXXX. She said the account was closed so I should not worry as no one could use it. I asked further question about the reason for the account closure as I knew if the account was close due to the request of the account holder, that would be negatively impact on my credit history. I wanted to make sure the account was close due to fraudulent activity. However, she could not verify that reason rather than confirmed account closed. After the phone call, I didn't feel confident with the phone-reporting, I wrote and mailed the a letter to request for re-opening an investigation as it's a fraud, I mailed the letter on XX/XX/XXXX. Additionally, while I was waiting on phone to speak to its person, I got to know that the card has {$89.00} balance and {$400.00} cash withdraw, however I never received this card. 
While I was waiting for the dispute result after mailing the letter to Barclays Bank Delaware, I consistently received the letter from them again dated XX/XX/XXXX and XX/XX/XXXX stating the same thing " They received and acknowledged my dispute but confirmed that my account information is being reported accurately after they did an investigation ''. Additionally, I received two dispute results from XXXX and XXXX. XXXX result shows ; " The Information you disputed has been verified as accurate but information unrelated to your dispute has been updated with the results, THIS ITEMS HAS BEEN DELETED FROM THE CREDIT LINE ''. 
XXXX results shows : We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. 
On XX/XX/XXXX, I sent a second request to dispute this card to Barclays Bank Delaware, after receiving two of its letter confirming my account is reported accurately plus the disputes with two credit reporting agencies were not successful. I decided to report another identify thief to your portal to protect myself. I am still waiting for XXXX dispute results, and response from Barclays Bank Delaware after I sent two letters.
Product: Student loan

Please, please help me in dealing with my loan servicer, NelNet. I am trying to file a complaint about a mismanaged student loan. I have tried calling and emailing NelNet numerous times to fix the issue, but they are unwilling to correct their mistake. 

I have statements from XX/XX/XXXX to XX/XX/XXXX showing the student loan payment date was XX/XX/XXXX. I am attaching a statement from XX/XX/XXXX and XX/XX/XXXX to show that the loan repayment date is XX/XX/XXXX. It does not change during the year. I attempted to restart school in XX/XX/XXXX. I, sadly, had to withdraw. NelNet reset my loan repayment date to XX/XX/XXXX, instead of XX/XX/XXXX, thus removing 18 months. I was told they reset the payment schedule, BUT I was not losing anything despite the 18 months taken away. I was also told that I should have asked for the deferment not to be applied to my account even though the school did it automatically without consulting me. The statements I have are from XX/XX/XXXX to XX/XX/XXXX, which are BEFORE I started school, and no deferment was involved showing that my due date was XX/XX/XXXX. I am being penalized for attempting to return to school. NelNet is blaming it on the deferment and selected the repayment schedule instead of following the previous repayment date, XX/XX/XXXX. Please help me get this corrected.
Product: Checking or savings account

Cant log on to account due to being locked out. I dont have my account number since Im locked out. They want a verification word but wont give me a prompt so I cant remember what I put. The supervisor hung up on my this morning. They are charging me {$25.00} a month and I cant even access my account or talk to anyone to cancel the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with with insufficient funds is reported as fraud.
Product: Debt collection

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.
Product: Money transfer, virtual currency, or money service

Coinbase was holding money in my account. I wanted to transfer back to my bank, went to add my bank account, but received an error that my bank account " can't be manually added ''. It's ACH, any bank can be added. That meant I only had two options ; I could use their " instant verification '' via XXXX, a third-party provider I do not trust, or I can use my bank debit card for a fee of {$18.00}. Given little choice, I opted for using my debit card. The {$18.00} fee has several problems : 1 ) I had no other choice as they forclosed on using the free option of using my bank account and I refuse to use XXXX. 2 ) the fee is excessive. 3 ) the fee is not disclosed anywhere on their website, other than alluded to that it exists and is only revealed when performing the transaction. This means they can make the fee anything at whim and I couldn't reasonably decided the fee was too high when I first signed up for their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, XXXX XXXX, has maliciously and illegally reported frivolous data to my credit report causing my Credit score to drop each day. They keep posting similar data maliciously and intentionally and have provide 9 days on two weeks, attached, for proof! Make them stop! They have spammed my file over 20 times in one month.
Product: Debt collection

I keep getting phone calls from national credit adjusters. The calls are every  day XXXX XXXX XXXX