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

I received a welcome letter from PENFED notifying me that an account was opened. The letter had a member ID # as well as personal info such as my full name, SSN, Home address and date birth ... I immediately called the bank to report this as a fraud since I never opened any accounts with this bank. I was told that their security/fraud team will look into the matter and that as of now the process is frozen so no further action is needed and no one should be leveraging that account. A couple of days later I received a debit card from the bank! I called back to see what's going but the agent did not have any information in their system about my initial call and was not able to track my claim. As of now I'm not getting much assistance from their customer service. I'm not sure if this is a case of identity fraud or banks opening accounts without customer consent but I need some definite answers.
Product: Checking or savings account

It is well known that Capital One Bank had a major cyber incident on XX/XX/2021 where SSNs were stolen. Since then I have attempted to turn on 2 factor authentication so that I can receive a text message with a one time passcode upon every logon. Unfortunately, there are no settings on my account for this. In talking to support I have been told that it is setup and there's nothing further that can be done. This is completely unsecure and needs to be resolved. This is the only financial institution that does not have 2 factor auth working correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has Violated my Federally protected comsumer rights to privacy and confidentially under 15 USC 1681. 
ACCT # XXXX DEPT OF ED/XXXX XXXX # XXXX XXXX Bank ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX SXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXXXXX Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not XXXX XXXX wrong Social security XXXX wrong Address # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 15USC1681 section 602A states I have the right to Privacy.

15USC 1681 section604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 whivh antedates the report by more than seven years.

15USC 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

In accordance with The Fair credit reporting act the list below have violated federally protected consumer rights and confidentiality under 15 USC 1681 XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that credit exercise their grave responsibilities with fairness and and respect for the consumers right to 15 USC 1681 section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the circumstances and no other in accordance with the written instruction from the consumer to whom it relates also 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable doubt to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take out the following objects as soon as you can : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX  XXXX Balance Owed : {XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Consumer Loan

I purchased some furniture around XXXX of 2015 and it was financed by Synchrony Financial. Since the loan was taken out I have been making double payments to get the loan paid off. In XXXX my computer went down and while I was shopping for a new computer and setting it up I received a communication from Synchrony Bank which reflected a {$25.00} late charge because I had not made my payment by a certain date in XXXX. How can I be regarded as late when my payoff is ahead of the game. As soon as my computer was back online in XXXX I transferred the double payment for XXXX to Synchrony Financial via bank payment. I then contacted them by phone and the person I spoke to was very unwilling to reverse the late charge until I mentioned I was going to report the action to the FTC. I was then told I could request a waiver of the late charge which I asked her to do. I do not feel confident that this happened or will happen at this point because of the attitude of the telephone contact. I do not think it is right or legal for a company to charge a late payment charge when XXXX is ahead of the game on payments.
Product: Money transfers

I made a payment of {$100.00} to XXXX ( email : XXXX ). 
I was trying to send {$10.00} but made an error in the amount. I have contacted him, but he does not reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My complaint is not that I cant pay my mortgage but that I have an escrow account and Shellpoint Mortgage Servicing has not payed my taxes we have called they said the taxes will be payed dont worry I have been down to my town hall 3 times and Shellpoint still has not payed my taxes yet. We have called Shellpoint 3 times and 3 times they said they were in the process of paying the taxes. Apparently they are lied since now I have to come up with around {$4000.00} dollars to pay taxes that I have given this mortgage company to pay or the state of New Hampshire is going to put a lien on my house this is unacceptable someone needs to do something about this mortage company how is this ok to take poeples money and not pay what they are supposed to pay. Thats what we pay them for. Shellpoint needs to be looked into cause if they go belly up I will be out a lot of money and Im sure other people will be too. Unacceptable!!! 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove two accounts off of my credit two times via certified mail. XXXX, Experian and XXXX  have not helped me at all! I am seeking to get this resolved. I think my identity was stolen or I was hacked because these accounts arent mine.
Product: Debt collection

I am writing to bring to your attention an issue on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed the presence of late payments that I believe have been inaccurately reported. I kindly request your assistance in promptly addressing and rectifying this matter. 

I understand the importance of accurate credit reporting, and I value the integrity of the information contained in my credit file. However, I believe there may be errors in the reporting of late payments that are affecting my creditworthiness. To assist you in resolving this matter, I have enclosed copies of relevant documentation, including proof of timely payments during the periods in question. 

APPLE CARD/GS BANK USA XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or APPLE CARD/GS BANK USA customer service representative XXXX 

I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate information be corrected promptly. I trust that you will handle this matter with the diligence and attention it requires. I kindly request that you keep me informed of the progress and any actions taken to address this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> approximately XXXX XXXX  I was contacted by someone representing themselves as an agent of CFPB to say that he was verifying an attempted credit increase on a XXXX XXXX account with my name and SSN #. He identified himself as XXXX XXXX, and gave his phone number, XXXX. I informed him I do not have any active accounts with XXXX XXXX. He said he would decline the application, and then tried to offer me debt consolidation, saying that he worked with someone named XXXX XXXX, phone number XXXX xt XXXX, at a firm called XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Although he did not ask for any personal information and I provided none, he was aware of credit accounts I have and the outstanding balances on them. I hung up the phone after he transferred me to XXXX XXXX and I obtained his contact information. It was clearly evident that XXXX XXXX had obtained a copy of my credit report through Experian or XXXX of the other credit reporting services. Because of the unauthorized use of my credit report, I have placed security freezes and fraud alerts on access to my credit reports with all credit reporting companies. and have frozen all my open credit accounts. I also alerted both of my banks and XXXX XXXX about the scam call.
Product: Credit reporting or other personal consumer reports

The account is currently reporting past due amount and missed recent payment. The account is up to date and paid up XXXX in XXXX. Prior I was unable to access the account and creditor never replied for access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$35000.00}
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXXand XXXX XXXX XXXX ; INQUIRIES XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXXXXXX XXXX Inquiry Date XX/XX/2023 and XXXX XXXX  Inquiry Date XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES
Product: Credit card or prepaid card

Capital One has taken over Neiman Marcus credit cards (  many years back ). I reported that I did not receive {$310.00} of merchandise from order # XXXX. I spoke with an NM rep for more than an hour. He said he would remove the fraudulent charges. Instead, THEY DOUBLED THE AMOUNT OF THE CHARGES on my account. I received {$100.00} from this order, and now on my NM account it says I owe {$720.00}. NM used XXXX XXXX to deliver this order, and it appears that they either lost or stole the items. Given that the one box that I received had been ripped open before delivery, I think that might mean that someone was looking for items to steal. Since the item in the box was a pair of jeans, perhaps they thought that would not be as easy to re-sell as items without a size. 
This is pure fraud. FRAUD. I am so sorry to see NM become so corrupt, but I suppose bankruptcy will do that to some companies. I am at a loss as to how to deal with this now.
Product: Credit reporting

On XXXX, I wanted my XXXX score from EQUIFAX and was willing to pay for this. I ran into convoluted procedures indicating that, I first had to sign up for credit monotaring with opportunity to cancel within 30 days. I proceeded but did not receive any report. I called them to cancel and as assured that '' it was cancelled. However, XXXX {$4.00} charges showed up on my XXXX bank statement ( which I will dispute, of course. Reading the XXXX, I seem to be a victim of a common manner of this company.
Product: Consumer Loan

The balance now is {$290.00} and it was {$240.00} and we were sent a letter of default when we have n't missed a payment. The manager of this place will call you 4 to 5 times a day. She has called people of contact more than one time a day even when you tell her when you will pay and what you will pay they continues to call. This is harrassment and should n't be happening. She is rude and if she is doing us like that she is doing others the same way. We have had a loan before from another branch for more money and we were never treated the way we are now.
Product: Credit reporting or other personal consumer reports

I was contacted by some creditors via phone call, after some investigation i found out my ex wife had opened some accounts under my name. I contacted my ex wife and she admitted to opening accounts without my knowledge. This is identity theft and the accounts on my credit report are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on this account. I am demanding proof but I haven't received any. 

Dates Late Reported XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COLLECTION RECOVERY COMPANIES ARE DISGUISING THEIR NAMES UNDER DIFFERENT NAMES TO CONTINUE TO POST COLLECTION AMOUNTS THAT WERE DELETED FROM MY CREDIT REPORT 7 YEARS AGO IN VIOLATION OF THE FAIR CREDIT REPORTING POLICIES. 

THESE DEBTS ARE FRAUDULENT AND WERE REMOVED FROM MY CREDIT REPORT FOR THAT PURPOSE, HOWEVER THESE AGGRESSIVE DEBT COLLECTORS CONTINUE TO HARASS ME ON A CONTINUAL BASIS. i AM NOW PREPARED TO FILE A LAWSUIT IN THIS MATTER, FOR HARASSMENT IF THIS CONTINUES. 

THIS DEBT ATTACHED ID FRAUDULENT AND NEEDS TO BE REMOVED IMMEDIATELY.
Product: Checking or savings account

I have a CD for an initial value of {$68000.00} with Popular Direct. This CD matured on XX/XX/XXXX. 

I received a maturity notice on XX/XX/XXXX, noting the account would mature in 1 month time, but noting nothing about the automatic renewal. 

Upon checking the terms and conditions, it noted I had 10 calendar days from maturity to cancel any renewal. 

On the XXXX calendar day ( XX/XX/XXXX ), I attempted to cancel the renewal of this account. The call center was closed this day -- but I was given no notice in advance of such a closure, so as to factor in to my timelines for closing the account. Importantly, on Popular Direct 's website, it notes their call center is open 7 days a week, and makes no note of being closed on holidays ( see screenshot attached ). 

Upon finding the call center was closed, I attempted to register for online banking for this account, but was unable to without information provided by the call center ( last statement balance ) -- but the call center was closed so I was not able to get this information an not able to gain access to online banking As a result, I attempted to cancel the account on XX/XX/XXXX XXXX  via the call center ( call time of XXXX ). 

Popular Direct refused to cancel my account without penalty of 270 days interest ( ~ $ XXXX ) citing the terms and conditions of 10 days grace period, despite them admitting it would have been impossible for me to cancel the renewal on the XXXX calendar day, as they were closed. 

Given no notice of the call center closure was provided to me, I had planned to close the account on the XXXX calendar day, XX/XX/XXXX. This proved impossible due to Popular Direct 's unannounced closure. 

As a result, I dispute that a penalty is payable to close this CD account on XX/XX/XXXX, as it was impossible for me, given Popular Direct 's noted vs actual working hours, for me to close the account on the XXXX calendar day of the grace period. I duly attempted to close the account as soon as practical thereafter, on XX/XX/XXXX. 

Popular Direct 's terms and conditions were not fair and reasonable in this circumstance, given explicit mention of their normal working hours on their website, no mention of any planned contact center closures -- making it impossible for me to abide by their terms and conditions on the XXXX calendar day ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Equifax responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. Equifax, Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for Equifax to verify in collection account information XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for Equifax to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion. The dispute report returned with deleted reporting for an account I paid on time and not issues. The amount from the same company was incorrect. Yet, they deleted the GOOD reporting information. On the same report, derogatory information being reported was incorrect it remained on the report.
Product: Bank account or service

I have a bank account with Santander Bank. I received a domestic wire into my bank account in connection with a purchase of residential real estate. When I tried to wire the funds out of the bank to finish the transaction, I was told that I would have to wait 3 business days in order to access the money. The purpose of a wire is so that the funds are clear once they clear the Federal Reserve. I feel that making me wait 3 business days to have access to money wired into my bank account is illegal and unethical. The funds should be available once they are received by the Bank ; once received by the bank they should be put into my account and be immediately accessible. The bank is doing this to make money off of other people 's money.