23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern, I was a victim of identify theft and I found out in March XXXX. There were three inquiries that were made and some credit cards were closed. The following are the inquriries that are still showing up on my credit reports as of today : XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised by the XXXX XXXX to contact the banks for the inquiries listed above so that they can contact the bureaus. I spoke to XXXX XXXX XX/XX/XXXX and they advised me that they have previously sent a letter to the bureaus to let them know this account was fraud months ago. As of now, the inquiry was never removed. XXXX in particular was a company that had an open line of credit which has since been removed. So why did the account get removed but not the inquiry? 

For XXXX XXXX, I spoke to them on XX/XX/XXXX and they advised me that the inquiry should fall off from the credit report as of next month because they had failed to successfully closed the account that I had fraud on. 

Lastly, XXXX XXXX XXXX XXXX XXXX was a company I called and they told me that they do not have my social security on file and that I should reach out to XXXX to have this removed which I already did but they have failed to do so. I submitted a dispute and they have failed to solve my problem.
Product: Checking or savings account

My name is XXXX XXXX, I am residing at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I have an account number with TdBank, account number is XXXX. I have had overdraft issues before and addressed it with the bank. Sometimes successfully. Sometimes not. Being recovering after a XXXX treatment and being managing a low pay job for now have not added much help. I have noticed that sometimes if I had 5 transactions pending and had deposit coming only in a day they would let 4 transactions pass charge maximum overdraft fees allowed per day, then let one transaction stay pending and pull it through the next day and charge overdraft fees on it too. Then when I would have my deposit coming in the fees would eat it up. Also there is a difference between mobile application and their regular banking application often they would show pending transactions in one order on mobile application then have it in another order in regular application. I have been trying not to pay attention to it but did take screenshots and sometimes reached out and addressed it. However what has happened recently is completely unacceptable. I had placed a purchase and lost my job along with my last paycheck being bounced which Labor department is investigating at the moment. This cause an overdraft and I was trying to transfer XXXX dollars every other day from savings account and noticed that my transfers are not minimizing my balance but go against new overdraft fees. I have two XXXX transactions in the amount to XXXX and XXXX been charged every other day up until XXXX XXXX and inquired XXXX dollars of the overdraft fees for each day, despite that these charges had been paid to XXXX XXXX XX/XX/XXXX in full from XXXX account and then my savings account and from that day was not charged towards my account. When reached out to the bank I was told to stop them or notify XXXX my explanations that inhave screenshots when it was paid and also emails from XXXX that this amount had been satisfied I was ignored. How could it be that this transactions are paid but TD Bank still showing that they are charged for the next 2 weeks few times a week?
Product: Checking or savings account

XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX my account and money was taken from XXXX XXXX all of my money and funds were electronically withdrawn this has caused hardship with my Chase account and capitayone account as I have filed a XXXX breach settlement because of false reporting and also neglected my small business where as I cant establish my accounts because of false reporting reflecting from XXXX XXXX and XXXX false reporting my info as my bankruptcy was also XXXX last year its been I XXXX r XXXX years this has really caused me damage with job opportunities and so forth
Product: Debt collection

In XXXX as a brand new XXXX, I was approved for the XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I used the card for 19 years with excellent payment history ( I owed {$5500.00} ), until I became incarcerated at the end of XXXX. My final bank-auto-payment stopped not long after, because my wages were stopped and I couldn't reach all my creditors except the ones that reached out to me in prison. I never got any CORRESPONDENCE from XXXX from XX/XX/XXXX to my release, XX/XX/XXXX. In XX/XX/XXXX I found out from the IRS that my 1st and 2nd stimulus checks were garnished by XXXX, I called XXXX and was referred to Transworld Systems Inc, who told me the US Treasury gave them {$1700.00} of the {$1800.00} ( minus admin fees ) on XXXX XX/XX/XXXX. I never got any CORRESPONDENCE from the Treasury Dept either. The TSI representative also stated that I now owed {$15000.00} with 15 % interest accrual per each {$1000.00}, per month, but if I requested for hardship consideration, they will send me a Statement of Financial Status. I later asked why wasn't the debt forgiven after seven years and it's no longer on my credit reports, and the lady said that XXXX do not forgive debts and it will be back in my credit reports soon, in collections. I received their first letter with the Statement of Financial Status, late XXXX, dated XX/XX/XXXX. I decided to consult a Pro-Bono attorney from the XXXX XXXX XXXX XXXX and later worked with a XXXX XXXX volunteer who researched the issue and found, 1. Its unlawful not to inform or attempt to collect from the debtor before putting a lien on his or her XXXX. - I was at a XXXX XXXX facility for six years before transferring to a Federal establishment, I was reachable. 2. The US Treasury Dept must inform the debtor of their action upon garnishment. - I sent an IRS Change of Address forms upon release to the XXXX  XXXX  that the federal prison released me to. In both instances, I was reachable, and I was in the hands of the US government. 

I first requested my {$1200.00} stimulus, XXXX XX/XX/XXXX via XXXX, as instructed by the IRS, and I sent it via Certified Mail. I waited and waited, until the IRS re-instructed that this time it must me claimed as a XXXX tax refund which I did again but at this time, the second stimulus was added to make it {$1800.00}. 

I also asked TSI for a complete debt profile from the beginning of this debt to now, but they say that process will take 30 days, I haven't gotten that yet. 

The reason I couldn't work any financials with them is because I'm currently XXXX with XXXX  XXXX  since my release, so I have no income. I tried my hand at temp-work for 2-1/2 months, but that only aggravated my condition, so I'm currently XXXX  and living at a VA XXXX XXXX XXXX XXXX while receiving treatment.
Product: Credit card

Description of complaint : XX/XX/XXXX - used and paid card XX/XX/XXXX - card declined and found out it was closed with no notice I have always payed my synchrony  XXXX XXXX on time for years, and never had any issues or delinquencies. I reorganized my bank accounts to better suit my finances and that caused XXXX nsf. Which I immediately rectified with a manual payment. I also called about updating my autopay and recieves NO help. Also NOWHERE on the lowes credit center on their app or the mobile synchrony XXXX  site does it allow you to change autopay information. Due to this the autopay series continued and caused an additional nsf payment to that same account. Which I also immediately went and paid. They then without any warning, heads up of policy, offer to help update my autopay series or anything just closed my account. It is my most used account and critical to my work. 
Nobody has even been willing to listen or help. I cant imaging this is how you should treat a great long time reliable customer. There are many less dramatic actions to take first, and much more customer service that should be provided. I just want my lowes card and its a shame this is whats happened .... 
Desired settlement : Reopening of my XXXX card account and assistance updating autopay info to new account
Product: Mortgage

My mortgage company is 21st XXXX, due to XXXX XXXX im XXXX behind, this amount is not consecutive, I made payments as I could and missed payments here and there. I have attempted to contact my loan officer XXXX XXXX, and forclosure specialist and counselor XXXX XXXX over 30 times, submitting care act request for forbodance and modification of loan, i my interest rate is 10.49 percent, I want to refinance and get it around 8 percent. Out of all the calls and emails I have received no response, I hired a lawyer he is also unable to contact anyone at 21st XXXX. I have a lot of equity in my home, 52 % and I feel 21st wants to force a forclosure. They will not responded to care act and have sent me no paperwork regarding my mortgage, I have no options
Product: Consumer Loan

CHASE AUTO MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT
Product: Checking or savings account

On or about XX/XX/2022 my checking account with Citizens Bank was accessed by XXXX The XXXX deposited fraudulent checks into my account and immediately withdrew money via XXXX, XXXX and XXXX XXXX. I caught the fraudulent transactions happening within a day or two because my account went into negative. I did not receive any notifications from the bank regarding suspicious transactions. After I reported the situation to the bank, I was directed to file several claims, which I completed over the phone. While XXXX and XXXX XXXX transactions were refunded, and the fraudulent checks were returned, to this day Citizens has not returned the {$3600.00} which were fraudulently, without my authorization, withdrawn from my account. Citizens is blaming XXXX for denying the claim. However, I believe because I had nothing to do with sending money via XXXX and money was withdrawn from my Citizens account, they should be the ones refunding the money they allowed to be stolen. If the issue is not resolved, I will be out of a lot of money due to Citizens refusal to honor our banking contract.
Product: Credit reporting or other personal consumer reports

I have provided Affirm Inc. with a Federal Trade Commission Identity Theft Report, along with a comprehensive cybersecurity report showing that my personal information has been leaked online over 50 times. Despite sending this documentation to their Chief Legal Officer, XXXX XXXX, Affirm Inc. continues to report these fraudulent accounts as mine to the credit bureaus. Efforts to resolve this issue amicably have been unsuccessful, and their actions are causing ongoing damage to my credit. Therefore, I am officially filing this consumer report as a preliminary step toward legal action. Attached is all the supporting documentation previously provided.
Product: Checking or savings account

I lost my phone and debit card was stolen, I called Chase to make a claim and have been mislead on several different fronts. I was first told the fraudulent activity happened in my area, which I was not understanding and that language made me very uncomfortable. The area in which someones used my card was not in question nor, questioned. The fact was and remained someone stole my card and used it. Second, the came back and said I never claimed my card to be stolen which os flatly a lie. I cancelled my card, reset my settings online, locked my card and got a new card. Why would someone say I never said my card was stolen if they know I cancelled my card for that reason? Lastly, they told me the merchants said the transactions was valid. I never said to anyone that these purchases were not made. I told them they were made in a fraudulent manner. The bank has told me XXXX or XXXX different things at this point. How would the merchant know who is me or not me to verify that a purchase made was me. The bank could not answer that. 
They have told me XXXX different things. Someone stole my card then used it and the bank is making me liable?
Product: Debt collection

XXXX   XXXX   XXXX  , account #  XXXX  was disputed then removed from my  XXXX  credit report on  X/X/2016   . It was also disputed then removed from my   XXXX   credit report on  X/XX/2016   .   XXXX   XXXX   XXXX   sold the removed collection accounts to  XXXX , account #  XXXX , and it is harming my  credit score.
Product: Consumer Loan

Hello In reviewing our credit report we noticed an old claim that does not match our records or memory. We had a time share installment loan which started in XX/XX/XXXX and was paid off in XX/XX/XXXX. There is a 30-day late payment on our credit report that is an error. This was supposed to be updated by the lender via a phone call in XX/XX/XXXX and has not been updated. We have been unable to get this updated with the lender.
Product: Mortgage

I made a payment to my Wells Fargo home mortgage on XX/XX/2023 of {$280.00}. I was never credited of this payment. My loan was transferred on XX/XX/2023 to XXXX XXXX and this payment {$280.00} was never provided to XXXX XXXX. XXXX XXXX and I had called Wells Fargo Mortgage to see where the amount of {$280.00} was and they confirmed that they had received the payment of {$280.00} prior to the loan transfer. They have not forwarded the payment of {$280.00} yet and can not confirm when they can.
Product: Mortgage

I received a foreclosure letter from Select Portfolio Servicing on XXXX/XXXX/XXXX. This after they had turned me down for a Modification saying that they had not received all the information to review the modification and they were closing out the request. They consistently tell you that they did n't receive information or something was missing from the application, which is not true. 
I spoke with XXXX XXXX from the Ombudsman dept. On XXXX XXXX, and she told me the the foreclosure sale date would be on XXXX/XXXX/XXXX. In researching this I noticed that the foreclosure sale had not been posted to any local papers. The law state that .... The foreclosure sale must be advertised in the official county newspaper where the property was located once a week for four consecutive weeks prior to scheduled sale date. This had not happened as of XXXX/XXXX/XXXX. Sale date set for XXXX/XXXX/XXXX. 
I spoke with the foreclosing lawyer, XXXX XXXX XXXX and he referred me to his paralegal, XXXX XXXX. She told me the the foreclosure had been put on hold due to a dispute. I relayed that information back to the XXXX office at SPS and spoke with XXXX XXXX again. I informed her of the postponed foreclosure and she put me on hold to talk to her supervisor. She came back on and told me that they were working closely with the lawyer to keep the date of XX/XX/XXXX.I informed her that they would n't be taking the proper. She said they were doing it anyway. If they do this is an illegal process and I take issue of this. They are trying to set me up for failure with the modifications and then trying to foreclose on me .... illegally. The paralegal, XXXX XXXX, was in full agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i do not know nothing about those companies i have those inquiries without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid and the collection company agreed to delete but years later the company has left this record open on my credit report to harm me. Please help me get this removed from my credit report because its harming my score and causing me to get higher rates on credit cards, increasing the likelihood of declined credit applications, and harming my ability to show credit worthiness to anyone who reviews my credit report and sees this collection record. This collection record was created due to a dispute with the apartment complex manager which was eventually settled, and even later on years after the collections was issued my family moved back to the complex, yet this collection blemish remains on my report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

They are not suppose to be on your consumer report unless you gave the creditor permission to report your transactions to the consumer reporting agency and is Inaccurate information and fraud to the IRS .never sent 1099c and under XXXX say profita nd loss and, write off.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report I did not open. XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. Also, there are 3 accounts that are passed the statutes of limitations since the account was originally first reported on my report. These accounts have been well passed 7 years of reporting on my report. 

These accounts should have already been removed or deleted from my credit profile. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. All 3 accounts should be removed immediately. These hard inquiries I did not make, nor did I authorize for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent. 

My credit report also has in accurate reporting. All information reported should match up on all 3 bureaus the exact same way. A lot of the dates are different on each bureau, the amounts of balance owed is completely different on all XXXX bureaus. 
There are many errors throughout my credit report. Please check for accuracy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card I had originally on my closed account call it account XXXX of {$280.00} it went up to {$290.00} for a full pay off I paid the {$290.00} in full I will download the online reciept, ive tried to send the conformation reciept that I paid through Experian several times it will not let me load it except once the company keeps stating there information is correct I have a new different account XXXX I with XXXX  XXXX credit card that is a totally different account I paid {$95.00} dollars for a secured card that in there policy states after XXXX to 9 months I would receive the {$95.00} as a credit towards my bill for my # XXXX open account that I owe nothing on its been 2 years ive yet to receive that temporary deposit for the # XXXX open account, also XXXX  XXXX credit card mixes my closed # XXXX credit card account payments with my # XXXX open account payments I want the {$290.00} XXXX they charges me for the old # XXXX XXXX  XXXX credit card account off my credit report immediately the dates are all in accurate for the XXXX I've opened my first card with them if you ask for there account dates and payments it's shows even though I owed {$280.00} for the first card they opened another card while I owed them for the first account that they claim I did not pay I have the reciept reference number date amount {$290.00} XXXX.
Product: Debt collection

I received a voicemail that asked for me by name, when I called the number back, they would not disclose any information to me. I never received mail/other information that indicated my account would be sent/had been sent to collections.
Product: Credit card

Citibank is allowing consumers to use points at retail points of sale for a 25 % fee, not telling them that they could simply go online and get a statement credit without this fee. As an example at XXXX, they will allow me to use XXXX points for {$10.00} off. Those points are worth {$12.00} if I get cash back. This is a predatory practice that takes advantage of consumers who may not understand their program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been checking my report since the pandemic started and when the cares act relief for federal student loan borrowers was made law I noticed a lot of multiple XXXX account with the same account number and this has got to be an error because I don't recognize these. Besides a lot of these loans are in forebearance and are to be marked as paid on time Cares act 3513, a, b, c, & d. payments are suspended ( ADMINISTRATIVE FOREBEARANCE.IN THE STATE OF PENNSYLVANIA. There are a lot of violations and we are in a financial and health crisis and need help from CFPB to ensure the bureaus are doing their job its a stressful time for all americans. It has been over 45 days since disputes and then I get a postcard from the credit bureau which is unacceptable as I stated in my letter to them disputing the items. That told me they didn't do the investigation and left me with a stall tactic, this items must be deleted. its law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit file and I noticed that there was several accounts showing that are not mine. Please remove the following accounts : The following accounts and incorrect personal information needs to be removed from my credit file : Incorrect Name Spelling - XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX, XXXX XXXX Ct, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy Information - I never filed bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

The below credit bureaus have been reporting incorrect information about my credit worthiness to lenders. 

XXXX  XXXX  Equifax On the following accounts XXXX XXXX XXXX XXXX XXXX These companies have been reporting negative payment history, which I have disputed several times due to information being inaccurate. And the credit bureaus have fail to investigate and remove them From my credit reports.
Product: Checking or savings account

I opened my account under the promotional terms that I would receive a {$350.00} bonus for opening  a webster premier che cking account and doin g ONE of the following : 1.    Direct Deposit 2. 10 debit transactions 3. 5 bill pays I had 2 bil l pays on  XXXX  and  3 b ill pays on  XXXX  I also had a direct deposit on  XXXX .      Webster bank says I do n't qualify because 2 of th e bill pays are after  XXXX