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

My account was hacked into and a lot of transactions were made that were not authorized on my account. Some transaction left me in a horrible state to where I would be in the dark and my vehicle would be taken. Do to this situation I had to make a lot of life altering decision so that I could pay those bills. I advised my bank CHASE to mot send those payments back through due to I had to make other arrangements to pay those bills so the I would not be in an even worse position that I was. On top of going through all of this Chase is continuing to overdraft my account with all the charges that were already paid and are doing nothing to help in the matter at hand of my account be hacked other than closing that account. I have been continuously having whatever money I have been having direct deposited being taking away do the charges they keep adding to my account. Which is continuing to put me more and more in a horrible position on trying to live day to day. They are making things worse by taking from me instead of working with me to make things better for me since I was the victim of identity theft.
Product: Credit card or prepaid card

I had a credit card through XXXX at XXXX bank. I had {$350.00} total rewards balance. XXXX switched from XXXX to Barley. I went to pay my last bill at XXXX ( in which the charges were made with the XXXX card. My balance was XXXX at the bank. I came home and had a bill in the mail from Barclay for the same amount. I crossed off the name on the check that had XXXX as the payee and put Barclay and sent in the payment. The first bill was sent late, I immediately sent the payment and I was still billed a late fee of {$29.00} and another fee of XXXX cents, that was XXXX bill. I received another bill with charges on it and paid it, and now keep getting late fees added on since I refuse to pay the late fee. The total from XXXX statement is about {$310.00}, these are all from the original late fee. I've tried calling them I didn't sign up for an account with them & wanted copies of everything I signed. I didn't give them permission to take my rewards ( with XXXX, that was {$350.00} ) and now it is at XXXX. They even tried getting my routing and account number to my bank. It can't be my account since I never signed for it. They have deactivated my account and my rewards are gone. I then called XXXX and got hung up when I told her they stoled my rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Credit reporting, credit repair services, or other personal consumer reports

M y credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO report shows that I 've made 100 % of my payments on time in the last 24 months.
Product: Debt collection

I received a false collection on my credit report from a debt collection scam company called Credit Collection Srvs services for {$740.00} that they claim is for a company called XXXX. It is a fraudulent debt. I have never heard of XXXX. I have never utilized a service by XXXX. I have never contacted XXXX. I have never received a bill, invoice, contract, agreement or service from XXXX. I have not received a phone call or have had any interaction or engagement with XXXX or Credit Collection Srvs. I have not initiated contact with this company. I have not visited any facility that is owned by this company. I have not used a product from this company. I have not had any interaction with this company or any tangentially affiliated company with XXXX. I have never been billed by this company. I have never had a contract with this company. I have never been issued an invoice or agreement by this company. I have never received a single service at all from this company or their debt collector, who is claiming I owe {$740.00}. 

Within 24 hours of sending this false / fraudulent debt, to XXXX, Credit Collection Services closed the claim immediately, as settled, I suppose because I would dispute the claim. I googled what this meant when a bill collection settles a debt : The reason the company closed the fraudulent debt is because a debt closed by a debt collector remains on a person 's credit report for 10 years. I do not believe that this scam attack was an actual attempt to collect a legitimate debt. The company knowingly did this to leave a blemish on my credit report for 10 years, that's why they closed it within 24 hours of filing the fraudulent debt. XXXX immediately removed the fraudulent debt so no action on my part was necessary. However, I am filing complaints at every government agency to bring awareness to this scam and to ensure that consumers are protected from bad actors. I also filing until I am made whole again after this attack on my credit for a debt I did not owe. I don't know why I was targeted, but I will not be harassed by a debt collector to whom I do not owe money for a company I never heard of, for a debt that did not belong to me in the first place. I will be filing a congressional complaint in order to open a full investigation into this debt collector and their fraudulent actions. I am not familiar with XXXX and I did not engage in any transaction or service from this company or Credit Collection Services on any date past or present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a home buying journey early XXXX and noticed inaccurate and invalid information on my credit report. I have requested The companies to validate or remove this items from my report since as early as XXXX of XXXXThese companies have refused to do so in over a year!! 

I find this act as 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character. I have not received any response back on this matter. This issue has affected me purchasing a home and my good name. The item is XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX Per the Law ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to you today regarding account # XXXX which was originally held by XXXX XXXX XXXXXXXX I have legally assumed this debt as a good will because XXXX XXXX XXXX has been unable to pay it and have paid it off in full I have documentation to prove it. ( See attachment ). 
The purpose of my correspondence is to see if you would be willing to make a " goodwill '' credit adjustment on the reporting of this account as PAID IN FULL to the three credit agencies under my name. 
Name : XXXX XXXX XXXX : XX/XX/year> SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX I would like to STRESS that the information currently being reported is accurate, ( I am not disputing anything with XXXX XXXX XXXXXXXX XXXX I am asking XXXX XXXX XXXXXXXX for a courtesy gesture of goodwill in having the credit bureaus adjust this account with the new account holder. 
I do recognize that this request is unique and that it may not be XXXX XXXX XXXXXXXX normal policy. 
Please consider that the Fair Credit Reporting Act Section 623 ( attached ) demands that all accounts be reported and updated accurately if that account was reported to that credit agency. 
Therefore, Example XXXX XXXX  XXXX will do that in this case for the above referenced account. 
Your kind consideration in this matter is greatly appreciated.
Product: Mortgage

I qualifed for a loan modification after a deferment for COVID. They keep rejecting our ( co-signed and myself ) paperwork that needs to be notarized. It has been rejected for frivolous and ridiculous reasons. I was told that it was rejected because my 6 didn't look like a 6 when signing, and then another time was because we didn't get it done on the same day ( we live in 2 different states ). This has been rejected at least 4-5 times since XXXX of 2021. I can not make a payment online and to make a payment I'm on the phone for at least 10-15 minutes every time and my payment changes every time and when I ask why I get a different answer. The inconvenience of all this is outstanding! Let me not even get into the credit aspect of all this. How shameful and horrible this is to customers!
Product: Credit reporting or other personal consumer reports

I have repeatedly kindly requested credit bureaus to reinvestigate inaccurate and incomplete information reporting on my credit report and to correct all accounts that is inaccurate and incomplete I've been so very patient with XXXX, XXXX, and Equifax I have sent letters to the company on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking XXXX, XXXX, EQUIFAX TO send me the original documents that they are using to report these serious errors. I have not received any proof of these original contracts it has been more 90days they continue to give me a run around... it is already hard enough with how the inflation with the economy is going it is hard please help me get this resolved as soon as possible.
Product: Debt collection

PDQ Collections sent me a notice of collections in XX/XX/2020. I disputed the debt within the 30-day timeframe they required. I obtained the fax number to the collection agency and faxed a dispute form stating I didn't owe the debt. This dispute form was faxed to PDQ on XX/XX/2020. Instead of holding the file, they reported the debt to the credit bureaus, thus negatively impacting my credit. 

I have filed a complaint with the Attorney General 's office as well siting both PDQ and XXXX XXXX XXXX. PDQ violated FDCPA regulations and XXXX XXXX 's behavior ( running unnecessary tests on a patient 's biological specimens ) behavior which is both unethical and unprofessional. XXXX, the debt is only {$100.00}, I refuse to pay a debt I do not owe. It has taken a lot of time dealing with the situation ; however, the conduct of both PDQ and XXXX XXXX must be confronted and reported or they will continue this bad behavior negatively impacting many people and their families in the worst way.
Product: Checking or savings account

On XX/XX/2021, i used a TD bank atm at XXXX XXXX NY to deposit my cash. I had a total of {$50.00} XXXX and {$20.00} XXXX to make my total of {$4100.00}. I had counted my cash prior to getting to the bank. I used the first atm and placed more than the required number of bills that included 50s and 20s, the atm took some of the bills which were mostly 50s, and returned very few 50s and 20s. Without noticing the error, i told it to deposit the first set of bills and tried to deposit the rest however, the machine wouldnt take the rest of the cash. That deposit came to {$1000.00}. I did a final deposit on the next machine only to realize my funds were incomplete which came to a total of {$690.00} and {$900.00} respectfully. Which means i was missing {$1500.00}. Then it occured to me that the first deposit stated {$1000.00} which should have been {$2500.00} because it had taken only the {$50.00} bills and should not have been {$1000.00}. i ran into the bank after the atm error which could mean the ATM counted my {$50.00} bills as {$20.00} bills. They filed a claim and told me to wait 5 buiness days. I called on the 5th business day and they said its 10 business days now. I called on the 10th business day and i was told the claim was not in my favour. I ran to the bank to speak with the manager. He looked at the claim and said the initial claim was done incorrectly. He stated they count the overages every friday and the claim stated overages counted on XX/XX/XXXX when it should have been counted on XX/XX/XXXX. He stated he was going to look into this and get back to me. He called me back 3 days later on XX/XX/XXXX and stated their account did not have any overages for the week of the XX/XX/XXXX and he had his atm tech open the machine to see if there were funds stuck there but there wasnt so they would be closing my claims. I kept insisting that i know my total funds and its still missing from their machine. He stated he looked at the camera and saw the atm gave me back some funds which i deposited in the next machine. And i told him, thats been true and in my inital statement. The first ATM gave me back some bills and was refusing to take the rest of the bills multiple times so i had to use the other ATM. Whoever fixed the issue from the first atm must know the atm machine wasnt taking any more cash. He said the bank can no longer do anything about this, and would be closing my second claim and ended the call. My total funds is still missing {$1500.00} and i dont know what else to do.
Product: Credit reporting or other personal consumer reports

A letter was received from XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX NC XXXX Stating that they received a report from Equifax XXXX XXXX XXXX. 
XXXX, GA XXXX ph # XXXX XXXX XXXX Re information about my credit score, Hence individuals are still trying to obtain Credit Card in my name. 

They also stated ( 1 ) I have a lack of recent installment loan information ( 2 ) length of time accounts have been established ( 3 ) Too many accounts with balances Please note I do not have loans. nor accounts with balance. 

Please inform Equifax XXXX XXXX XXXX. XXXX, GA XXXX ph # XXXX XXXX XXXX that I am not doing any inquiry for Credit or loans, any such inquiry MUST BE CANCELLED XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint to delete the followingfraudulent items in my file that are reporting on Equifax and XXXX Credit Bureaus. Iam a victim of identity theft and did not make the charge. I ask that the items be deleted tocorrect my credit report. I reported the theft of my identity to the Federal Trade Commissionand I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. Ioffer my testimony herein that I have not authorized or given anyone access to my privateand confidential records and certainly not the alleged and also the inaccurate personalinformation showing on my credit report. I therefore request that you immediately removethese items from my credit report with your firm, or provide me with the exact source whereyou received such information, so I may take appropriate legal action. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit history is unavailable and has disappeared on Equifax
Product: Credit reporting

For the past several months, I have been disputing several inaccuracies that are Hsted in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the Money Source finally corrected my XXXX report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with THE MONEY SOURCE changed. This XXXX XXXX XXXX XXXX XXXX comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with THE MONEY SOURCE changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in Forbearance with Loan Depot and ended it XXXX 2022. I have been making regular payments and was being told do not worry about being reported late we are still waiting on the Dept of Veterans Affairs to do their part and it will get your account back in order. So since my acct was in this forbearance period it looks past due which means I can not make payments online so I have to call in. I make payments and anytime I get a notice I get afraid of being reported late so I call them and get reassurance I wont be reported late. I woke up this morning to a alert that LoanDepot had reported my acct 180 days past due. I called to confirm that they were still waiting on the VA then I asked if youre still waiting on the VA why was I reported late to the credit bureau to which the rep had no response. No one has contacted me or understand how this has affected my credit.
Product: Money transfer, virtual currency, or money service

On XXXX I opened a Venmo account. Venmo paid the wrong person for an item I bought. The item was {$40.00} to be paid to XXXX XXXX. Venmo paid XXXX XXXX. I do not know him. I did not type his name in. I did not buy anything from him. I called Venmo. They said they were out due to covid 19. I emailed Venmo explaining the situation and they did not respond. I went to Venmo help site which said I had to request the funds back from XXXX XXXX. He responded by asking for more money. I declined. Venmo failed to provide a safe environment for transactions. Venmo failed to respond to my complaint. Venmo failed to get my money back. I have been trying to get it back through XXXX XXXX XXXX, my bank, for 2 months.
Product: Debt collection

On XX/XX/22 I submitted a CFPB complaint # XXXX to Portfolio Recovery to stop communicating with me on all mediums included but not limited to all consumer reporting agencies. On XX/XX/22 Portfolio Recovery responded by stating " We have honored your subsequent request to cease all communications with you regarding the PRA account ending in XXXX and will continue to do so unless otherwise permitted or required by applicable law. '' As of XX/XX/22, Portfolio Recovery has continued to communicate via my consumer report. 
The term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic or other medium. Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by The XXXX XXXX XXXX will amount to communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Portfolio Recovery Assoc. has been able to continue to abuse me as a consumer with unfair debt collection practices over an alleged debt. They have continued to violate 15 USC 1692c ( c ). Under 15 USC 1692c ( c ) congress mentions invoking a specified remedy due to the injuries that I have incurred due to Portfolio Recovery not following my instructions and lying and saying that they have honored my wishes, it is still showing up on my consumer report, please see attached consumer report generated on XX/XX/22. 

Portfolio Recovery has violated me by communicating with me without my consent after telling them to stop the illegal activities and they have not stopped
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX Owed : {$550.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/23 at XXXXXXXX XXXX I bought a car part online. XXXX plus XXXX  set XXXX At XX/XX/23 at XXXX I got a text from synchrony saying they declined my purchase for suspicious activity. Asked if it was correct and I responded with Yes. 

At XX/XX/23 at XXXX I got a text from synchrony saying since they declined my transaction and if it was legit go ahead and repurchase the item. 

At XX/XX/23 at XXXX I repurchased the item. 

On XX/XX/23 I received my item twice. 2 orders of the same item. 

I waited for almost a week to see what synchrony was going to do about this since they said the declined my first purchase. 
They charged me twice. They never cancelled the first order as their text message stated plus the next day they reduced my credit line even though I have a perfect payment history. 

I called them and they said I should return the extra orders and they would refund me the difference back to my card. So I returned them. I was credited XXXX back for my XXXX and XXXX credited back for the gasket set of XXXX from the auto part store online. 

I was charged a {$7.00} restocking fee on each item so twice and I had to pay to ship the items back to them each item {$13.00} so 2 charges of that. 

I purposely paid the shipping charges on that same card so all info is showing for them. 

I called them back on XX/XX/23 to talk to representative to get refunded back for their mistake and she said they don't give refunds back for shipping or the {$7.00} fees. 

So I am out of {$43.00} for their mistake and 1 person telling me to do return the items because I will get re-imbursed for it and another telling me no refunds! 

Plus the day after XX/XX/23 they cut my credit line back which also effects my credit history and I have a perfect payment history with all cards and etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion isnt removing items that arent mine on my credit report and I sent in police report