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

Multiple fraudulent transactions were charged to my account and the bank has not done anything to refund me the nearly {$700.00} that was fully fraudulent. Ive even checked with XXXX XXXX where the charges came from and my account is completely drained. I need those funds to pay bills and the bank has been unhelpful and dishonest. Huntington bank is the financial institution and XXXX XXXX is the merchant with the fraudulent charges. XXXX told me directly that the charges were fraudulent and Huntington insists that ALL of their managers are in a meeting.
Product: Credit card or prepaid card

Someone got my Amex credit card number and made unauthorized purchases. I reported this to American Express several months ago and closed my account. 

But, they keep asking me to pay for charges that I didn't authorize.
Product: Credit card

A promotional flex pay transaction contracted for 6 mos, have made 5 payments as contracted, now in XXXX statement says the three transactions, originated in XX/XX/year> states 7 has 2 payments left when only one left. # 8 has 3 left, when only one exists, 9 states 3 left when only one is due. Balance on card reflects incorrect balance amounts. Made three calls to customer service, first rep XXXX lied said different acct credited in breach of agreement, asked to talk to supervisor put on hold for approx XXXX hr then hung up on. Called back twice hung up on both times when asked for supervisor, then supervisor XXXX answered then falsely said he couldnt understand me, connection. Need statement to reflect true I payment left on flex pay accts 7 8 and nine and reduce balance accordidinly. Feel very poor program AI or taking advantage of a XXXX yr SS recipient.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the recent data breach affecting Equifax, I am concerned with the security of my credit/personal information at their bureau. In effect, the security at other bureaus concerns me as well.
It worries me that 1 ) the hacks were known nearly a month in advance of the reports breaking about a breach and 2 ) recent reports have shown 3 managers sold stock in the company before the hacks even happened, leading to a suspicious narrative around inside gaming and trading.
The result of this breach, if the reports are to be believed at their worst conclusion ( personal data is now public ), I can never truly feel protected from identity theft, or worse, even by our most trusted institutions, and must have permanent restrictions ( such as credit freezes ) on all my accounts to protect my identity and financial security.
As a concerned citizen, thank you for looking into this.
Sincerely, XXXX
Product: Debt collection

Dear Collector : I just noticed that your company is reporting the following account listed below on my credit report. 
Creditor : Account : This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you and the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined?

Thank you for your time and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT, I HAVE IDENTIFIED SOME INQUIRIES LISTED THAT WERE NOT AUTHORIZED BY ME, PLEASE HAVE THOSE INQUIRIES REMOVE FOR THEY HAVE BEEN INACCURATELY PLACED ON MY FILE.
Product: Credit card

This is a capital one problem with their processing center in XXXX XXXX, IL. I sent 2 checks with my account number on them in separate envelopes on XXXX XXXX. One was for XXXX Capital one, the other was for BJ 's Capital one. These checks were from my heloc account. The first time that I called about the BJ 's account was XXXX when I noticed that a {$1000.00} amount was issued as my payment. The amount of the check that I sent was $ XXXXThey could not explain the {$1000.00} amount but they said they could see the {$6100.00} check so they issued me a payment adjustment of {$5000.00} I thought the problem was solved. However on XXXX they added the {$5000.00} amount back on my account. They sent a letter on XXXX saying that they removed the temporary credit and I will see an adjustment in 1 to 2 billing cycles. they could not tell me why this would take that long. The first time that I called about my XXXX account was on XXXX. I had them open an investigation case because my payment check of {$2800.00} was never posted. I uploaded a copy of the cancelled check I called back on XXXX and was told that the case is still under investigation and that it could take 90 days to resolve. I still don't know why it takes this long with modern technology!!!!!
Product: Credit reporting or other personal consumer reports

Hello. On XX/XX/2024 : Transunion reported a collection debt from XXXX XXXX onto my credit file that does not belong to me. Also, I filed a identitytheft.gov report on the said collection company & has disputed this false reporting 3 different times with Transunion. I was told that collection was valid. This is not my collection & I Have no knowledge of this acct. Identity theft report number is XXXX. I am still currently awaiting my 4th dispute with Transunion false report from this creditor. This inaccuracy has cause my credit score to decrease over XXXX points On XX/XX/XXXX, I noticed this same collection debt reported on my credit profile after being deleted 3 weeks prior. This false-illegal reporting has caused havoc to my livelihood. I have disputed this collection a 5th time and was told that there was nothing Transunion can do about it.
Product: Credit reporting or other personal consumer reports

I can't believe what I saw on my credit report this morningthere are inaccurate accounts listed, and Im completely lost as to why. I always check my report, but today, discrepancies showed up unexpectedly. I tried refreshing my browser, hoping it was just a glitch, but nothose incorrect accounts remain. I'm really counting on a careful review of the documents I submitted so I can put this stress behind me for good.
Product: Mortgage

I received a letter from Ocwen stating that home equity line was maturing and I would be able to make payments to pay this off. ( this is standard with many institutions ). But upon maturing I was told that the full loan amount was due in full. I tried to refinance with Ocwen, but they told me they do n't do the refinancing and referred me to XXXX for help. XXXX took about three weeks to contact me back. After submitting all the needed paperwork I was told they could n't help me. I then tried to apply for a loan modification or Mortgage assistance through Ocwen, again after submitting all the paperwork they requested I was told someone would contact me in 3 weeks. When I finally talked to someone I was told that the loan has matured already and they could not do anything for me. I was told I would receive another call in 4 weeks. I thought they were going to try and figure something out for me, but when they did call I was asked if I had the money yet. I asked why are you taking so long with the communication and did not receive any answers to that and scheduled me at another 4 week wait for a phone call from my relationship manager. 
All the meantime of there postponing any type of help they were reporting delinquent payment to the credit agencies and adding interest to the balance. I was trying to apply for another loan from banks, etc. but no one could help me because of these bad marks on my credit. In the meantime i had sent XXXX payments to Ocwen but they were returned to me. I feel Ocwen was purposely delaying any assistance to me so they can report negative actions on my report. This would inevitably cause me to not be able to repay the loan and finally they can foreclose on my property. It seems that Ocwen wants to foreclose on properties so they can make more money on the backside of the sale. I should have been given time from my first contact with them to arrange payments without being reported delinquent. After all it was Ocwen that was taking there sweet old time not myself. I had to hurry and collect all the savings, retirement money I had, borrowed from family ( which is embarrassing in it 's own self ), also I had to take advances from some credit cards to finally scrape up enough money to pay the loan off. I 'm sure i am not the only one they tried to push out of their homes and they should be held accountable for it
Product: Credit reporting, credit repair services, or other personal consumer reports

The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that these are being reported efficiently as per the Fair credit Reporting Act regulations. I have done attempts to reach out the XXXX, XXXX and TransUnion Credit Bureaus but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX, FL XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date OpenedXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$1800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00},
Product: Credit card or prepaid card

I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY IDENTITY AND OPENED FEW CREDIT CARDS UNDER MY NAME. I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT ALONG WITH MY POLICE REPORT PROOF THAT THE ACCOUNTS WERE OPENED FRAUDULENTLY.
Product: Credit reporting

I have tried to access my Experian report online and they have blocked me. I recently declared bankruptcy and need to make sure that all my items are reporting correctly and I can not. They do not let me access it at all.
Product: Mortgage

Not sure if this is the place to inquire about this process - I applied for a convention loan during a recent home purchase, but was told by the mortgage broker ( XXXX XXXX - Cross Country Mortgage ) that i didnt qualify for a conventional mortgage - although my credit score at the time was 720+ and we put down ~10 % towards the loan. 

I was put into an FHA loan with FHA insurance, and i am wondering if i shouldv'e received more information relative to a conventional loan denial other than just being told by the lender. I didnt receive any formal paperwork or documentation of that. 

I have also recently found out that the mortgage broker whom i was directed to, works closely with the builder and real estate broker, so i am not sure if i was given the best rates and options for me.
Product: Credit reporting or other personal consumer reports

Experian - account # XXXXXXXX XXXX XXXX I have no knowledge of this account please delete this immediately opened XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is on XXXX XXXX XXXX. Back at the end of XX/XX/XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information, I do not have an original account with them or any signature saying they could collect on me. I asked for validation and verification from the debt collector according to FDCPA rules. They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. XXXX has sent me the same letter 3 weeks in a row with out the validation or verification only to say  the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance. This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.
Product: Debt collection

Kroger-US Bank has been sent letters following my husband 's death on XX/XX/2020 asking them to close the account. On the XXXX statement, I contacted the two entities on the statement, XXXX XXXX ( XXXX XXXX XXXX XXXX for {$7.00} and White pages for {$5.00} ) and asked them to cancel services and paid the statement to US Bank but contacted US bank by letter and asked them to close the account. Yet I received another statement from US Bank at the end of XXXX and again in XXXX with the same recurring charge for XXXX XXXX XXXX XXXX, which had they closed the account as requested could not have posted and resulted in yet another charge on the Kroger-US Bank account. I sent letters in fact aon XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and also responded to their letters telling me in essence that I had no authority to dispute any charges and though they received a certified copy of his death certificate and a copy of the will registered as a legal document here in XXXX Texas, they continue to this day to send letters addressed to my dead husband requesting that he call them to discuss. I have spoken to representatives in several areas at US Bank and have received no resolution. I would like for them to close the account and stop permitting XXXX XXXX submit charges for XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX but have received nothing more than a phone message directing me to their website and to date they have not responded to the message I have left on their website.
Product: Checking or savings account

TD Bank adjusted account to bill for paper statement fees without my consent. I contacted the bank multiple times via secure online messaging, customer service telephone and certified letter to branch location. I directed TD Bank staff members to refund all unauthorized fees, close my account and mail a check to the address listed on the account. TD Bank failed to close the account as directed and continued to bill for paper statement fees. After a third certified letter to the branch office, the bank did mail a check for the remaining account balance, but failed to close the account and only refund one of several dozen paper statement fees. 

Today the account remains open and TD Bank continues to bill for overdraft fees without my consent. In a letter dated XXXX XX/XX/2018 TD Bank Senior Vice President XXXX. XXXX promises that my account will be referred for further collection action if additional deposits are not made to clear the overdraft. 

TD Bank Branch Location : TD Bank XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Checking or savings account

I tried to deposit a check into my BBVA checking account. BBVA automatically stated the check was fraud and closed my checking account. I banked with them for years, I called them and told them to call the company to verify the check was legitimate and they would not contact them.
Product: Credit reporting or other personal consumer reports

Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX, I forwarded correspondence to your attention requesting the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft. 
To date YOU CONTINUOUSLY AND WILLFULLY VIOLATED MY RIGHTS AND THE LAW AND HAVE FAILED TO REMOVE THE ITEMS WHICH IS A VIOLATION OF THE LAW. I am writing to formally request, for the XXXX time, the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Equifax data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. 
I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau Representative, I am writing to formally request, for the second time, that you update my personal information and remove unauthorized inquiries from my credit report. I previously submitted a request on XX/XX/year>2024, yet these inaccuracies remain unresolved. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and the credit bureau is legally required to investigate and correct errors within 30 days.

These inaccuracies are hindering my ability to purchase a home and are causing me significant distress. As per my rights under federal law, my credit report should accurately reflect my financial history. Your failure to correct this issue in a timely manner constitutes a violation of the FCRA and is negatively impacting my financial opportunities.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially seeking legal action. I am providing supporting documentation again for your reference, and I expect a resolution within the legally required timeframe.

Please confirm in writing once these corrections have been made. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have an account with Care Credit and a charge was made in the amount of XXXX for dental with with XXXX XXXX XXXX. There was an issue with the minimum payment due being much higher than I was told by XXXX XXXX XXXX and both myself and XXXX XXXX XXXX were on a 3 way call with Care Credit to resolve the payment issue and it was agreed to on the call that it would be worked out that the minimum payment due would be around XXXX dollars. Care Credit says that they have fixed the problem and my minimum payment due is XXXX which is much higher than what was promised to me.
Product: Debt collection

Mountain land collection sent me a bill that I am not familiar with.

I demand them to prove that this debt belongs to me with original paperwork that includes the date that the debt was incurred as well as what the debt was for and who it is owed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score for the first time in many years and found an account from portfolio recovery llc.The only loan I have taken out in the past XXXX or XXXX years was an auto loan, which was satisfied in XX/XX/XXXX.I contacted portfolio recovery via certified mail and they sent me information that didn't verify anything. I looked into this collection agency and found that they are known for this type of " zombie '' collections.This has affected my interest rate on a car loan which is why I checked my credit score in the first place.In the response from Portfolio Recovery LLC they show a payment of {$170.00} on a statement : XX/XX/XXXXXX/XX/XXXX. That payment was certainly not from me and have not received any evidence from them that it was. From what I can glean from this company I am guessing they made a payment to keep the ( bogus ) account open and not be affected by any Florida statue of limitations and or in order to re-set the clock for their collection window.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been Dealing with nationstr who has taken over XXXX XXXX regarding my credit report. XXXX shows the acct open past due in XXXX balance of {$85000.00} due. The mortgage was discharged in XX/XX/XXXX. 
Nation star will not update the credit bureaus as they state they did not put it on the reports