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

I had a checking account with Citizens Bank and owed a balance of {$2400.00}. What originally happened was my checks were stolen and someone made unauthorized charges on my account. I tried several times to get it cleared up but for some reason nothing was ever done. So because it was giving me bad credit I just decided to pay it off. I received a letter from an collection agency and was offered {$360.00} to have the account paid in full. This was paid back on XX/XX/20 for account ending in XXXX. 
They still were reporting incorrect information so I disputed this last year but it seems there if some things that should be removed. For instance on XXXX it shows charge off for Current payment status and worse payment status. The letter I received from Citizens Bank, which I attached states they would change this to XXXX in full which is not the case. XXXX  says the same thing for current payment status not sure about XXXX. Plus not even sure why it still needs to say charge off when it has been paid in full.
Product: Checking or savings account

My card was stolen, and I believe this person who stole it saw me put my card passcode into a machine. Once he or she stole my card and information they processed a fraudulent check, made multiple transactions and withdraws with my card. They went to different Chase banks and withdrew {$23000.00}. Chase refused to be liable and ignored my complaints. I was out of town and had no idea this was happening. Chase called me after the first transaction and I reported that my card was lost/stolen and they hesitated to lock and freeze my account, with it being my understanding that it was locked.

I submitted multiple police reports and claims that these withdraws were not me nor authorized. This person deposited a fraudulent check not signed by me and I have never seen before and started making withdraws. I had no idea this was happening until I logged into my account.

Chase is simply liable because these withdraws were made at a Chase Branch and they did not ask for any proof of it being me. They didnt have my ID therefore they did not verify if it was me. Chase just gave my money away and is blaming me for not having a more secure pin. When In retrospect if you go to the bank annd is withdrawing thousands of dollars which is clearly abnormal for me being that I have no history of Doing that on my account.they should have seen and verified that it was not me. They should not have been able to take my Money out and deposit a check. Chase did not verity it was me at anytime. Even after I submitted a request to lock my card. After multiple complaints they did not update me in any way of the claims being investigated or how, and they also kept hanging up in my face, and lied to me about temporary credit until the investigation was over.
Product: Mortgage

Can you help me or tell me who I can contact for help? My husband andI are 3 months behind in our mortgage payments to OCWEN. Wecontacted them for a loan modification. Yesterday we received a trialperiod modification that expires in 8 days. We were told what our newpayments would be, which are only {$40.00} less than our current paymentsare but they did not give us any other information about the terms of themodification. We were supposed to approve these new terms blindly in8 days ( by XXXX XXXX ) without any idea of what the new terms would be. 
Are they supposed to give us the written terms with the trial paymentletter? Because they did n't. 
My husband called OCWEN yesterday evening and asked about theterms of the modification. OCWEN said that we would have the sameinterest rate but they were going to add another 13 years to our loan tomake it a 40 year loan. The new payment would be {$1300.00}. For a {$40.00} reduction in monthly payment, we would have to pay an extra 13years of mortgage payments at {$1300.00} per month, or {$15000.00} peryear, totaling {$200000.00} in extra payments to reduce our mortgagepayment {$40.00} per month! Our outstanding loan is only {$140000.00}. 
Is this legal? Can they really consider that to be assistance? They'renot helping us, they are helping themselves. I think they want toforeclose on our house because we have equity. They are telling usthis is our only option. When we asked about the XXXX insettlement funds, we got the run around. We were told that we weren'tflagged for that money and that money was used for people who hadalready been foreclosed upon. I told her that was untrue, that only aportion of that went to people who were foreclosed already and that therest was earmarked for current customers underwater and/or havingdifficulties. She continued to give me the run around and was n't beinghelpful at all. When I finally asked for a supervisor, she put me on holdfor so long that I finally hung up. She never called back. I 'm sure sheleft me on hold to intentionally avoid discussing the settlement fundswith me. 
Is there anybody who can help us? 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings CFPB : Thank you for receiving my complaint. This message is about a closed revolving credit line still reported as open. 

I opened a revolving credit line with XXXX ( IL ) in XXXX, called " XXXX XXXX '', and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by their own reporting ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I receive warnings from my financial advisor that the number of accounts on my file is a problem which is lowering my credit score. The XXXX  available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with XXXX directly, and also disputed it with the credit bureaus, to no avail. XXXX reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$530.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$480.00}
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance {$130.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : 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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX  XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed as conserve for roughly 2 thousand dollars has been negatively impacting me without proper validation and or proof, regardless of the fact it is being reported incorrectly. I have stated the laws that are being violated in my initial contact with the credit bureaus and how theyre allowing this to be reported on my credit without my exclusive consent or proof of any correspondence with me and said lender. I attached a copy of my credit report with my letters to the bureaus indicating all inaccuracies. The letter included all my rights that were violated as well as where the bureaus had missteps in my reporting. With the response of the account being updated and validated without proof, the only step is to remove it from my report seeing as though this is false information
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and a lot of accounts were taken out in name including student loans. Please help me to rectify these fraudulent accounts : Dept. of Education/XXXX in XX/XX/XXXX for {$68000.00}. Ive constantly called them to setup payments to avoid it dragging my credit down any further. This is not my account!! Other accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1100.00}. 
XXXX XXXX/XXXX XXXX XX/XX/XXXX Balance : unknown XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX credit limit : {$2000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Carecredit card I sign up with them at an optical place. The person did not tell me I had to pay it off in 6 months their interest rate and charge was very expensive. I told them the person who made me sign up for the card did not explain to me good when I sign up I still been paying and the interest rate is very high and my payment is not going down and they close my account even though I was making my payments on time. I tell them that I close my old bank account and I've been making payments with my new bank account on time and they still will go into my old account and charging me late fee I explained to them many time. What is going on to stop going into that old account so I've been making a payments on my own and they decide to close my account without me knowing when it's time to me to make a payment I could not get into my app
Product: Debt collection

I received 2 garnishment orders at my work within a week of each other from the same attorney representing 2 different debt collection firms for a judgement against me from XX/XX/XXXX which was never renewed before the 10 year expiration date and from XX/XX/XXXX and I called them after being served the first one and was hung up on. I was never served to answer either of these judgements and I don't even know who they bought these accounts from or the amount that I owed when the accounts were bought but I am 100 % sure that I never had a credit card with those amounts on them so I don't know if these debts are even mine.
Product: Mortgage

I have been working with Shellpoint for a loan modification or alternatives to save my home from foreclosure. Since XX/XX/XXXX I have been providing all documents requested. On XX/XX/XXXX when calling in for an update, I was informed additional documents were needed. Those documents were faxed in and received by Shellpoint on XX/XX/XXXX per their confirmation but have not been reviewed as of yet because they are now stating that as of XX/XX/XXXX the review has been closed out. I do not understand how they can already close it out if the documents were sent less than 5 days later. In addition, I was never informed that there was any deadline for the documents. I am now facing a foreclosure sale on XX/XX/XXXX and out of options. How is this fair and ethical? If my information was being reviewed for a loan modification and there is a foreclosure sale the lender should postpone the sale while in this review process, however Shellpoint failed to do so as well. All my rights as a homeowner are being violated and I need your help.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, DE XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX Balance : - DE CHILD SUP ENFRCMT XXXX Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I pulled my XXXX credit report and found XXXX hard inquiries on it that are affecting my score which were NOT authorized. Both inquiries are from GC Services and show business type as " other collection agencies ''. XXXX inquiry is from XXXX XXXX, 2014 and the other is from XXXX XXXX, 2014. I did not apply for any credit through GC Services and did not authorize this. As a collection agency, a soft pull would have been appropriate which would not affect my credit score. I had no further dealings with this collection agency. I request that these hard inquiries be immediately removed from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I am filing this FTC report to report 3 Separate fraud accounts appearing on my credit report which I don't recognize. These accounts consist of a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/year> and a personal credit card account opened at XXXX XXXX on XX/XX/year>. As well as a XXXX XXXX account opened on XX/XX/year>. I demand these fraudulent items be deleted from each of my credit reports.
Product: Credit reporting or other personal consumer reports

The Account Numbers is reporting inconstantly across all XXXX credit bureaus. If this account was properly verified all information should be reporting the same. 
TRANSUNION REPORTS # XXXX AND XXXX XXXX # XXXX
Product: Credit card

I have a credit card with Capital One. My credit card due date is XX/XX/XXXX. I attempted to make my minimum payment on XX/XX/XXXX on their website. When I attempted to make the payment the website would not credit the payment for the due date and instead forced me to choose the next business day, XX/XX/XXXX. I went ahead and processed the minimum payment. 

I then called Capital One to find out why I could not process my payment for today ( XX/XX/XXXX ) even though the day was not over. I was given an excuse that it was past XXXX on the XXXX XXXX and because of that I could not credit the payment for my due date. This makes no sense since the day is not over and I live on the XXXX XXXX which is three hours earlier from the XXXX XXXX. I asked to speak with a supervisor and when I spoke with the supervisor he spoke in a condescending tone that I felt was disrespectful. 

I noticed that a late fee had been assessed to my account dated today ( XX/XX/XXXX ), even though the day was not over. I requested that the late fee be removed from my account and was told that they could not do so because it was after XXXX on my due date. Again this makes no sense.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX inquiry XXXX XX/XX/year> & XXXX inquiry Date XX/XX/year> 2024
Product: Money transfer, virtual currency, or money service

Money is being requested by XXXX again to change date on documents for Suntrust to lease my funds I have no money left as they XXXX of my money to transfer to my account I am a senior caring for my husband with XXXX I paid for everything and by the time I could get the funds to pay it was a new year and now XXXX is requesting more money. I am desperate. 

XXXX me the XXXX I will pay you back I promise
Product: Money transfer, virtual currency, or money service

I got hired the insurance company ( eventually I found that the job opportunity is not by that company, someone was pretending that the company 's HR ). They gave me the bad paycheck bounced and asked me to make a deposit cash to the vendor 's account for delivering the work equipment to me. They said that is their company policy. On XX/XX/XXXX, after I checked that the paycheck amount is available on my XXXX XXXXXXXX XXXX online page, I withdrew that amount ( {$3300.00} ) and transferred the money to them. But after that I found the paycheck got chargeback and I found it is fraud. 

Because their bank account is Chase bank, I withdrew that {$3300.00} from my XXXX XXXX XXXXXXXX account and went to Chase bank to make a cash deposit. Chase bank teller told me they can't make a cash deposit directly from me to someone's account, so they did put my money in my Chase bank account first and wire the money to their account. After I know everything. I called to Chase bank and explained what happened, but they told me they can't cancel the transaction because I authorized that transaction. 
I have the scammer 's chase bank account information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XX/XX/2022 have been paid in full its refused to be removed off my credit report. XXXX XXXX $ XX/XX/2022 I have not used XXXX services. XXXX XXXX XXXXXXXX $ also needs to be disputed I did not use these services.XXXX XXXX XXXX is saying I owe XXXX $ someone was using my services after I moved out the property.
Product: Bank account or service

On XXXX/XXXX/2015, at XXXX XXXX., I attempted to use an ATM owned by Navy Federal Credit Union ( located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to make a deposit to my account at XXXX. ( This ATM accepts deposits for other institutions. ) I put in my ATM card, entered the PIN and selected cash deposit. I was then prompted to enter the cash ( {$130.00} ) and the ATM took the money. Suddenly, the machine " blinked out '' like a power surge occurred. The screen read " error - unable to complete transaction or return deposit - contact Navy Federal Credit Union. The atm then released my ATM card and I made another transaction to determine if my deposit had been credited to my account and was shocked to learn that it had not. I then contacted Navy Federal Credit Union, and was pushed off from one person to another for 45 minutes and could not be helped. Finally, I was told to contact XXXX. I contacted XXXX and was told that the ATM failure was Navy Federal Credit Union 's fault and that I was to contact them for a refund. I attempted to contact Navy Federal Credit Union 3 more times and was told that they could not do anything and that I was to contact XXXX. I contacted XXXX again and as informed that nothing was documented on their records and Navy Federal had my money. I then called Navy Federal again and spoke to a XXXX at Navy Federal Credit Union in XXXX. She was rude and belligerent. She had me do a conference call with XXXX and she was no help at all and there was no resolution. After 4 hours of this, I gave up and still do not have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two hard inquiries to my credit report on XXXX- significant negative impact to my credit report, which I am trying to improve so I might purchase a home. 
These two inquiries were made consecutively, without my consent or knowledge on XX/XX/XXXX, and XX/XX/XXXX, of 2019. They were made by a company called SynchB, from XXXX FL.