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

Bank account at Truist at XXXX XXXX XXXX XXXX XXXX XXXX brookneal, va phone XXXX There were 2 transactions that charged to my debit card one on XX/XX/2023 and one on XX/XX/2023. 
I reached out to Truist fraud department and filed two claims XXXX and XXXX. 
They quickly replied that i did make these transactions, in which i did not. They said that i would have to prove that i would have to show proof. They said the transactions were made thru XXXX. 
I contacted paypal and got a listing of all transactions made from XXXX  XXXX to XX/XX/XXXX, and it showed no transactions was made to XXXXXXXX. 
This is what showed on my debit card account XXXX XXXX XXXX. {$72.00} XXXX XXXX XXXX {$940.00} These are the amounts that were charge to my debit card checking account. 
XXXX does not show any transaction related to this. 
It seems like someone gotten into my account through their server. lately i have not had any response from them. I would like for them to put my money back into my account. and to do a deeper investigation into what happened.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX  amount {$490.00}. 
I called and ask for information which was not provided also frequent call everyday while I'm at work I've ask them to stop but yet I keep receiving calls daily Subject : Dispute Regarding Violations of 18 USC 1028A, 15 USC 6802, and 15 USC 1681b I hope this letter finds you well. I am writing to formally dispute certain actions or violations related to my personal information and financial data, which I believe are in violation of the following federal statutes : 18 USC 1028A Aggravated Identity Theft : I have reason to believe that my identity has been used unlawfully for fraudulent purposes, and this may be in violation of 18 USC 1028A. I request that you provide a detailed explanation of any actions taken that involve my personal identification data. 

15 USC 6802 Privacy of Consumer Financial Information : I have concerns that my financial information may have been disclosed in violation of 15 USC 6802, which ensures the privacy and protection of such data. Please provide an explanation and documentation regarding how my financial information has been handled or shared.

15 USC 1681b Permissible Purpose for Consumer Reports : Under 15 USC 1681b, consumer reports can only be obtained under specific permissible purposes. I believe that a consumer report involving my name and personal information may have been accessed without a legitimate, permissible reason, and I request clarification on this matter.

I respectfully request the following actions be taken immediately : A thorough review of any transactions, disclosures, or requests involving my personal and financial information. 
A detailed account of any entities who have accessed my consumer report, along with the purpose for such inquiries. 
A written explanation outlining how my personal and financial data has been safeguarded in compliance with the applicable laws. 
Please respond to this dispute within the time frame stipulated by law, which is typically within 30 days from the date of this letter. I expect that your office will address this matter promptly and provide me with the necessary documentation to resolve this dispute. If further action is required on my end to resolve this issue, I am prepared to cooperate accordingly. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Debt collection

I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Vehicle loan or lease

I borrowed XXXX yuan from XXXX XXXX XXXX on XX/XX/XXXX last year to buy the car. XXXX months after the purchase, I found that the loan amount of XXXX had changed and dropped by more than XXXX yuan. In XXXX this year, the loan showed that there was only XXXX yuan left, so I think this company is committing fraud.
Product: Credit card or prepaid card

I received a XXXX bill form Target XXXX XXXX. I paid the bill and my bank paid them onXX/XX/XXXX. I tried to use my card and it was declined. I called Target XXXX XXXX and they said they did not receive the payment that was taken out of my bank account by Target. 

I called my bank and have incurred a {$28.00} charge to send Target a copy of the check that they cashed. This whole dispute is for {$38.00}, I pay my bill early every month. Instead of admitting the mistake..I had had to make numerous calls and been told at least another 10 days. They have hit my credit report for {$38.00}. This whole thing is absurd. However as they took my money this is fraud and it must be addresed.
Product: Debt collection

I am unaware of this debt, I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification, please provide me the certified mail with the receipt with my name on it, my signature.
Product: Consumer Loan

Originally I leased my Dodge Charger from Ally financial the terms seemed pretty reasonable. That is when Ally stopped being customer friendly. I had gone through a financial tough spot in 2013, I was in constant contact with Ally about the payments making sure the lines of communication were up and payments were being made in a timely fashion. 
After I has sent in close to {$2000.00} towards my lease payments, Ally had my car repossesed out of my driveway!! I was in complete shock, thinking that Ally was a reputible company. NOT SO! When I finally got a customer service manager on the line, she was dishonest, rude and very disrespectful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've made a complaint to the CFPB on company  XXXX   XXXX   XXXX   XXXX   XXXX  complaint number  XXXX  and this response i received response STATUS Company has not responded to your complaint  XX/XX/XXXX   The company has not responded to your complaint.  <P/> We forwarded your complaint to the company, and unfortunately, they have not provided a final response. The CFPB tracks which companies do and do not respond to complaints. We will attempt to contact the company again. We will let you know if the company responds.  <P/> I 've disputed this account with equifax several times I was requesting documentation for them to give me that they had permission to claim these false allegations on my credit file and want it removed if they could not I hold no contract with this company and this company is unknown
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX XXXX {$290.00XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX {$200.00} XXXX XXXX {$220.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Debt collection

On XX/XX/XXXX, I received collection letters from H & R Accounts for XXXX XXXX XXXX XXXX XXXX for {$700.00} ( later increased to {$2100.00} ) On XX/XX/XXXX, I called and disputed all invoices due to medical malpractice On XX/XX/XXXX, I received copies of invoices in response to the dispute. I called back and pointed out that copies of invoices don't address the nature of the dispute, which is quality of care. The rep, XXXX, said they just validated balances as a result of my dispute. He told me collections would be put on hold while the quality of care issue was disputed. There was no other action I needed to take until I heard from them or XXXX. 
I never received any further communication from XX/XX/XXXX or H & R Accounts. 
On XX/XX/XXXX, I received a collection notice from XXXX and XXXX on the accounts from XXXX. 

H & R Accounts failed to properly investigate a dispute, failed to properly notify me of the results of the dispute, and allowed collection activity to continue while the account was in dispute.
Product: Credit card or prepaid card

I initially signed up for the XXXX XXXX XXXX XXXX  rewards credit card for the advertised credit increase program they had. Your supposed to receive a increase to your credit line after your first 3 on time payments, however during this period comenity bank took over the XXXX  card services. I called them see if they would still honor the promotion and they stated they do not offer any of those types of promotions. The credit increase promotion was the only reason i got the card and i planned using it to build my credit. I feel this is misleading and false advertisement. In addition XXXX XXXX  has banned me from their network so i can no longer access the payment portal to make payments on this account. I would like for comenity to honor the promotion i was advertised or void the balance of this card because i can no longer access this account.
Product: Credit reporting

XXXX XXXX account, Student Loan closed and discharged ( XX/XX/2016 ) by XXXX. I am currently XXXX and receiving social security payments.
Product: Debt collection

They called family members my parents and ex-father-in-law claiming I threatened someone and they needed a statement against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Identity theft, several accounts appear on my personal consumer credit report as a result of identity theft / fraud. Please asses, dispute, and remove. Attached is fraud affidavit from FTC. 

XXXX XXXX appears multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my right to privacy and reported information without my written consent which is illegall and against the law. 

Below are the codes that were wrongfully used.

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604. It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX has harrassed me for months with unsolicited calls and vociemails, and by reporting wrongfully used information, my credit score has drastically dropped by XXXX points. 

I would like this item removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, I checked my credit report and seen that I had inquiries that I have no consent of besides 1. Ive never gave any company the authority to pull credit report neither did I apply for anything. I want the inquiries to be removed from credit score because its impacting my score and Ive never gave consent for them to be there on all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to file a complaint against Equifax for their failure to provide ( as required by law ) a free credit report in XXXX. 

I requested my free credit report from Equifax on XX/XX/XXXX. 

I used the toll-free phone number to make the request ( XXXX ). 

I did not receive my report. I called Equifax on XX/XX/XXXX and I was told that they never received any request for my credit report. 

As I have used the toll-free number to request my free credit reports from the other services ( XXXX  and XXXX  ) without experiencing any problems, I believe that Equifax is being less than forthcoming with regard to their failure to provide me the required free annual credit report. 

This is the second year that Equifax has failed to provide me with my free annual credit report as required by law. 

I file this complaint with the hope that the CFPB will ensure that US Law is enforced and that Equifax follows the law to the letter.
Product: Debt collection

Synchrony bank is in violation of my bankruptcy discharge order datedXX/XX/XXXX. There are two accounts on my XXXX  credit report that fail to mention that the accounts were discharged in bankruptcy. I have disputed the accounts twice with XXXX and after the second time I disputed it the notation of it being discharged in chapter XXXX bankruptcy was removed. On my credit this Account is still reporting as an open an active account when it has been close for years and was discharged in my bankruptcy. The other account ( Walmart ) fails to mention that it is closed. I am planning to file a motion with the bankruptcy courts to review the conduct of synchrony banks collection tactics Against me and to report their violation of the post discharge injunction. Section 623 at the fair credit reporting act States the furnishers duty when a consumer is initiating a dispute. There is also a violation of a bankruptcy discharge order. Complaints and civil suits are about to be filed against synchrony with the proper authorities And courts if this isnt resolved quickly. Synchrony bank is actively trying to collect on me for deaths that have been legally discharged by a judge and I am going to let the courts know about this
Product: Checking or savings account

Monday ( XX/XX/2023 ) I tried to deposit some money in the drive up ATM machine. The money got caught in the ATM machine on the XXXX XXXX, the following day I opened a claim to have the money refunded, a process that takes 10-40 days. Due to the length of time I was told a temporary value was going to appear in the account while the claim processed however that temporary value has still not appeared for me. I was planning to pay rent, pay bills and pay for living things as they happen around me. Needing to wait such a long period of time makes it so that my life needs to stop happening. Is the bank willing to pay for late fees when I can't make rent? Of Course not.
Product: Bank account or service

After recently checking my credit report, i found that Wells Fargo Financial Cards account number XXXX reported to XXXX on XXXX/XXXX/2015 that I have a balance of {$14000.00} with a past due amount of {$4700.00}. They also reported to XXXX that this account is 120 days past due. It shows a credit limit of {$15000.00}. This information is not accurate and is not true. The account has been charged off in the past and Wells Fargo is aware of it. But yet they constantly report bogus information to XXXX. Wells Fargo needs to correct this ASAP.
Product: Credit card or prepaid card

On XXXX XXXX XXXX is the date on a letter that I recieved from American Express regarding my XXXX XXXX ending in XXXX. The letter advised they took my no preset limit and reduced it to a {$4700.00} limit. Their reasons of doing so are invalid. They stated that based on my credit report, I am or were past due with another creditor. Secondly, I have too many requests for credit. I have contacted XXXX and they have stated when i called them on XXXX XXXX XXXX that they do not know where American Express has obtained such negative and derogaratory information. XXXX assured me that AMEX was not provided any negative information about me regarding the letter dated XXXX XXXX XXXX I did obtain a copy of my XXXX credit report on XXXX XXXX XXXX and my XXXX was XXXX. Today, during this complaint, My XXXX  is XXXX with XXXX. I would not have a high credit score if what AMEX is saying is true. However, on XXXX XXXX XXXX I had 2 inquires, as of today, XXXX XXXX XXXX I only have1 inquiry. I would like to know where AMEX has obtained such false records about me and my credit. I did overnight a 170 page XXXX Credit Report to American Express at XXXX XXXX XXXX XXXX XXXX, TX XXXX with tracking number XXXX via XXXX. The actions you took on my account was uncalled for and unethical. I am not paying you ( AMEX ) a {$690.00} annual fee to have a credit limit of {$4700.00}. What benefit is there to pay {$690.00} annual fee for a {$4700.00} credit line. You have until XXXX XXXX XXXX  to get my account restored back to no preset limit.
Product: Credit reporting or other personal consumer reports

My signature was forged on fraudulent activities in my account this happened in 2019 from what the report says. They ended up closing my account resulting in me not having an account with them anymore.
Product: Mortgage

I was on a forbearance and Im behind on my mortgage I cant afford to pay the total amount due Im not working Im only receiving unemployment for {$210.00} weekly my mortgages denied repayment plans and only offered me a short sale which I dont want
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there is an account and some inquiries reflecting badly on my credit history. I was confused to hear this so I looked through a copy of my credit report myself and I saw an account from a company called XXXX XXXX that is not mine as well as inquires from several different companies. I don't know who these inquiries/account belong to as I did not give anyone permission to open that account on my behalf. I did not benefit anything as a result of that account being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards it. I have already filed a police report regarding this suspicious account and inquires.
Product: Checking or savings account

On XX/XX/2021 an unauthorized transaction was made from my account to another personal account and the amount of this one was of XXXX XXXX XXXX XXXX dollars. There is no other person authorized to carry out transactions from this account and as of today, I only have a debit card which was suggested to apply for it again by the same company to avoid any fraud or loss of additional money. As a customer, I think that in some way or another a password could have been leaked since the email account is linked to this bank account and since the day it all happened I have received countless emails to which I have never subscribed. Concerned about the situation, I directed myself to the company and one of their representatives suggested that I fill out a customer dispute form which was sent by mail and the postal mail from XXXX XXXX has been overworked because of the pandemic, but since I only had ten days to send the dispute, they also recommended that I download it directly from the website. I proceeded to download the dispute form and filled it by hand and send it via fax ( XXXX ) as the email did not allow me to send a document that was larger than 10mb. Then, I contacted one of their representatives to confirm that the fax had arrived and they gave me assurance that it had arrived. They told me to give it 1-2 days in which it was verified and when I contacted me again they told me that the dispute had not gone in my favor since the other financial institution had received the money. After all this, about two days later, I received an official letter in which it said that no error had occurred and that my case was denied and closed. I contacted one of her representatives and I asked her if I could take this to the court and she informed me that as a client I have all the right and she also told me that i could call the next day so I can speak with the accounts department so they could give me information about the other financial institution that received the money so I could called them and ask a reimbursement of the money.
Product: Credit reporting or other personal consumer reports

Three accounts by the same company requesting a Debt Validation XX/XX/year> Amount : {$680.00} and action direct mail XX/XX/year> XX/XX/year> Amount : {$730.00} and action direct mail XX/XX/year> XX/XX/year> Amount : {$760.00} and action direct mail XX/XX/year>
Product: Money transfer, virtual currency, or money service

My business PayPal account was unfairly closed down for virtually no reason as of early this morning. My business operates smoothly and ethically on PayPal and has for as long as we have used them. 

PayPal asked me to provide more information regarding certain transactions to which I properly provided them. However, this was not enough. 

I run an academic platform where users post projects and hire freelancers to complete the projects. Our site makes a commission off of each project. Theres absolutely no reason we should be banned.
Product: Vehicle loan or lease

I called in to ask to explain my interest charges varies up and down so drastically even when I pay extra. The supervisor explained the daily rate and how it is calculated. I the asked why does there portal state I do not have a payment due for 2 months. I thought that was very odd and very confusing. He stated I can pay but so not have to. I then asked why would that be. It feels they state this so I wouldn't pay for 2 months and would be charged {$280.00} in interest charges in XXXX. This message that is presented to me was made to confuse me and make me feel as if I am ahead of schedule. This feels like a very misleading tactic with no benefits towards the consumer. If they would leave my bill the same I would pay it as required by our agreement. This actually happened back in 2020 where I saw only {$100.00} was due. Now I understand they simply charged me more interest on the {$220.00} I didn't pay that month.
Product: Mortgage

Well Fargo Chamged interest rate in or around XX/XX/XXXX-XX/XX/XXXX have requesting for documents I have been told I refinanced my. Loan which extened my payments until XX/XX/XXXX at 11.740 % When asked if this was a modification to my loan I am guided to tonspeak to a. Mortgage specialist who has not been able to provide documentations o Where the refinanced happened.
Product: Bank account or service

XXXX sent a refund from a subscriber savings account ( SSA ) to me in my name but to my ex-wife 's address, with whom I hadn ; t lived in 11/2 years. My ex-wife, XXXX, put her account number in the endorsement section on the back of the check with the notation, " For deposit.only. '' We do have a son, but he is XXXX y/o and his name is XXXX. He may be on her account. This was XX/XX/2016 ; though I have talked to Chase Bank officers, they have not taken any action to correct their mistake and satisfy my complaint. I have filed a forgery complaint with XXXX police. No response to date.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed an Agreement with the, XXXX XXXX XXXX, in XXXX of XXXX the Balance was PAID IN FULL, I have been waiting for more than 60 Days for my Title to b sent to me. But while I am still waiting, I receive a statement informing me that XXXX XXXX XXXX has purchased a FALSE ACCOUNT FROM CAPITAL ONE, this is a Account that was Paid in full and I CLOSED THIS ACCOUNT MORE THAN TWO MONTHS AGO!!! Now I have received a letter informing that Consumer Portfolio Services has purchased a ACCOUNT THAT HAS BEEN PAID FOR AND THEN CLOSED, this makes no sense to me, I AM STILL WAITING ON MY TITLE FOR THE XXXX XXXX XXXX XXXX # ( XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Credit Line : {$500.00} Opened : XX/XX/2017 This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.