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

Hello, I am reaching out yet again in reference to fraudulent items that I have reporting to my credit. After speaking with Experian, XXXX and XXXX I was told the steps that I needed to take to have these XXXX fraudulent accounts removed and even after completing I have yet to get an update let alone a removal. My latest attempt occurred XX/XX/2022 which I submitted a notarized affidavit as well as an FTC report for the accounts in question. Yet these accounts remain on my account.
Product: Debt collection

XXXX XXXX {$770.00} fraudulent activity LVNV {$2800.00} & {$700.00} no knowledge of these accounts.
Product: Credit reporting or other personal consumer reports

I thought I'd successfully cancelled my paid monitoring account with TRANSUNION on XX/XX/XXXX. But I'm still being charged. I contacted them today and they informed me I had not been charged since XXXX. My XXXX XXXX says otherwise with the latest charge on XX/XX/XXXX for XXXX. 

I informed XXXX, they cancelled the card, but I'm afraid Transunion will find a way to charge me again. 

I want the charges to stop.
Product: Vehicle loan or lease

The car was insured upon purchase. Progressive full cover. In XX/XX/year>, the car was taken to the XXXX XXXX XXXX XXXX dealership.The dealership examined the car and said that it the near future. The dealership said it was a My son waited and lived in a hotel next to the car dealership. 
From XX/XX/year> to XX/XX/year>. And every day I visited the car dealership and recorded it on video. 
The last time at the car dealership was on XX/XX/year>, my son was told that replacing the engine would take XXXX months. 
The son was given a piece of paper with the inscription that there was no engine in the car and they would be waiting for a new engine from the factory. And for my son to return to XXXX XXXX. And they said they would call when the car was ready. 
With this paper I returned License Plate to the DMV And then she suspended the insurance When the bank called me and said that the car was repaired, who will take it : you or the bank? I asked why bank? I pay money every month to the bank, what is the problem with the bank? and said dont touch my car, Ill take it myself. I called the dealership and asked if they had made the car and when could I pick it up? They said the car wasn't fixed! I was shocked! 
I waited and thought that the dealership was still repairing the car! I hired a lawyer. And the plan included inspecting the car. and then pick it up. But the bank got ahead of me and took my car without my permission and without inspection! Where is the guarantee that the car will be returned safe and sound? Now I don't know what to do! In my opinion, the car has already turned into trash! Where is the guarantee that all the details are in place! 
After all this time, I wanted the factory to take the defective product back! 
WHERE'S THE JUSTICE?! I barely WORK AND ALL THE MONEY GOES ON CREDIT! FOR A DEFECTIVE PRODUCT LOCATED IN THE DEALER 'S STORE FOR A YEAR
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated myrights 15 USC 1681 SECTION 602 A states i have the right to privacy.

15 USC 1681 SECTION 604 a states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENTON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Product: Checking or savings account

Cadence bank has illegally charged me overdraft fees after I requested several times for them not to allow my account to be overdrafted. However recently this month they reversed a dispute which I submitted along with photographic evidence. Well their claims support contacted me and said that when I emailed them photographic proof of the {$72.00} which I had to file a dispute against Zip after I was told I had a few weeks by zip to make a payment arrangement and then overdrafted after zip unethicaly and unauthorized the very next day. To add insult to injury the case i was originally awarded by Bankcorp South for back in XXXX was overturned and dishonestly reversed when Bankcorp south merged with Cadence. They said their support team never included the screenshots as proof of this, which is highly dishonest and beyond unethical. If I had the money right now I'd take them to court in small claims and sue them for the maximum allotted amount because that's stealing and beyond dishonest.
Product: Credit card

Synchrony bank, which provides credit for medical expenses says their minimum monthly payment is {$200.00}. However, if one paid {$200.00}, they were due interest at the end of the 18 months the actual payment thats required to be made to prevent you from having Interest due at the end of the 18 months is {$350.00} the first time I got my statement I called synchrony bank to report this, and they gave me a bunch of garbage as a response, and then went and reported it to the physician who was providing the services for which I took out the care credit They called synchrony bank and the company never responded to them.
Product: Money transfer, virtual currency, or money service

I did an instant deposit on from my checking on XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$300.00} ), XX/XX/XXXX ( {$500.00} ). On XX/XX/XXXX I attempted to make I believe XXXX deposits from my checking to my Robinhood account. It wouldnt do instant transfer and so I kept trying to make the deposit thinking I was doing something wrong and they werent going through. When I looked at my history it still showed all of them active and waiting to be processed over a XXXX day period. I cancelled all of these transactions except XXXX and made a deposit with my debit card. I had to give a picture of my ID both front and back and take XXXX selfies to use my debit card, it was a success. Shortly after I made a purchase and my account was then restricted and under review. To get it unrestricted, I had to again send my ID both front and back as well as XXXX selfies. It stated that my account would be finished with the review XXXX, on XXXX it XXXX stated XXXX, now today it states XXXX. RobinHood not only has my investment hostage but cash as well. Its showing my investments and my cash in their app but they have restricted it. They are basing their restriction on my security. However, I have performed all the necessary requests proving I am who I am. I have read this seems to be a common theme with Robinhood. Im an honest individual that didnt understand the instant transfer feature was limited and would keep compounding. Instead of inadvertently transferring XXXX the amount I intended to, I cancelled them and used my debit card. I have opened chats on their app and its a brick wall there is no way to communicate. I have asked questions and expected to receive emails, I havent received any in regards to this issue. I have tried to enter my telephone number on my account, it wont accept it, so therefore when I call and try to receive a call back, it wont and states invalid telephone number. This morning, I read several instance on a blog about Robinhood doing this to others in the past year. XXXX individual stated that Robinhood continued to review their account for XXXX weeks, thats ridiculous and I dont want to be telling the same story down the road.
Product: Debt collection

Upon trying to get XXXX XXXX  cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over XXXX XXXXXXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a account for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i did not authorize.
Product: Debt collection

Capital Accounts has placed this on my credit report and it has nothing to do with me. 
It states date assigned XX/XX/2019 on XXXX its XXXX on XXXX XXXX its XXXX and XXXX its XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. REGIONAL XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX ; XXXX, XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX reported false and fraudulent information on my credit reports. They are still continuing to report these negative accounts and inquiries. 

XXXX and XXXX FAILED to inform me about the DATA BREACH and FALSE CREDIT reporting. 

XXXX and XXXX FAILED to inform me of compensation and how to apply in hopes I wouldnt find out. 

XXXX and XXXX have cost me thousands and thousands of dollars. Ive spent 1 year with letters and credit repair hours.
Product: Checking or savings account

I called US Bank to close my checking account on XX/XX/2023, and there was remaining balance of {$1500.00}. The customer service assistant told me that I would receive a check in around a week. 

After around 1 month without seeing the check, I called US Bank again to check the status on XX/XX/2023. I talked with them for over 2 hours and and was told that they had already sent the check around a week after the account closure. I submitted a complaint to CFPB on XX/XX/2023 and US Bank responded that they had mailed Declaration of Loss form to me on XX/XX/2023. 

I signed the Declaration of Loss form and mailed it back to US Bank on XX/XX/2023, but I still haven't received my new check yet. 

( After I mailed the Declaration of Loss, I received the old check which I declared loss. )
Product: Credit card or prepaid card

I made a payment settlement to my charged off credit card account. I would like this updated on my credit repot ASAP as I am trying to open a bank account and buy a car in a timely manner. Your timely response is very much appreciated.
Product: Mortgage

U.S. Bank, as trustee for the benefit of XXXX XXXX XXXX XXXX, perpetrated fraud in a foreclosure action against me and procured an unjust windfall of {$350000.00} at my expense. 

In XXXX XXXX I consented to pay or re-finance the {$680000.00} unpaid principal ( inclusive of unpaid interest added to the original {$670000.00} amount ) of a loan I had received from XXXX. in XXXX that XXXX allegedly had acquired. 

In XXXX XXXX, I received a statement from XXXX, the purported loan servicer, indicating that my " unpaid loan balance '' was {$650000.00} and that my " new monthly payment '' would be approximately {$1000.00}. Assuming this was the bank 's loan modification offer pursuant to XXXX XXXX XXXX XXXX, I sent the first month 's payment to XXXX. 

However, U.S. Bank did not cancel the sale, and my home was sold for {$1.00} XXXX. I spent the next year trying to set aside the wrongful foreclosure sale but was unsuccessful. 

In XXXX XXXX the court disbursed {>= $1,000,000} to U.S. Bank, which was {$350000.00} more than I owed to the Trust. And now I can not find an attorney to represent me because the original foreclosure judgment is more than a year old.
Product: Credit card or prepaid card

I am writing a complaint as a victim of fraud with CITI credit card. I received a call from CITI on XX/XX/XXXX regarding my credit card indicating that there was problem, I got transferred to fraud department and I was on a very long hold, then I got disconnected. I was not able to call them back as my phone cant allow an outgoing call. They never called my back. I stopped using the card after that call. On XX/XX/XXXX, we went to our credit union to report a fraudulent check we got from the mail upon arriving to the states on XXXX XXXX. The check was a check already issued by my husband amounting to {$130.00}, that same check was washed and placed {$5000.00} on it issued on my husband 's name and got cashed with different signature on the endorsement. By then we found out that there was several withdrawal done on our savings and checking account by the fraudster, the XXXX XXXX was alerted and reported to the fraud department. The same day of XX/XX/XXXX, I called CITI to find out what was going on on my account as there was unauthorized payment made from my checking account amounting to {$3400.00} on XXXX XXXX and another withdrawal of {$370.00} paid to the CITI credit card. The credit fraudulent charges continued after the payment was made by the unauthorized user. In XXXX, when I called them, my balance was up to {$6800.00} and some cents, I was shocked and asked them how did that came up to that amount when my credit limit is {$3900.00}. I did not received email or any kind of communication from them. They assured me that they investigate the case. On XXXX XXXX I received a collection call from them despite of the case being investigated, at this time my balance is {$7300.00}. I thought the card was closed, then how did it kept on going up. Also came to find out the the case was closed, that send denial letter which I have not received. ( I also have a mail thief case reported to XXXX XXXX XXXX ). I asked them why was is closed? I demanded to open it again because I dont believe I am responsible for all those charges. I was then told on XX/XX/XXXX that the case will be reopened. XX/XX/XXXX a call to collect was received, this time my balance is {$7200.00}, the case was again closed on XX/XX/XXXX and told my there was denial letter regarding the dispute. I dont know what to do, I need HELP. I need help to resolve this. This fraud have been going on since XX/XX/XXXX until now. My husbands Identity have been stolen as well as my mine. We are so scared every single day on what will happen next, this have going on again and again, non-stop. Even my pension for XXXX and XXXX was stolen. We live with our pension, my husband is a XXXX XXXX and we are both being STRESSED about our situation. We dont know what to do and who can help. PLEASE HELP in any way possible. Thank you very much for your attention to the matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

FAILURE TO REMEDY DISPUTE FOR CLIENT SERVICES WHICH WERE NOT CONDUCTED CORRECTLY AND NEEDED ITEM REPLACEMENT AND DUMPING OF DAMAGED ITEMS.
Product: Debt collection

For about 8 months, I have been getting recorded calls asking for someone other than myself or anyone in my family, ( sounds like XXXX XXXX ), I assumed they would fix the problem if I didn't call back, since it is not me they are asking for. The other day I finally called to explain to them they had the wrong person and to take my number off their list, I don't know this person, As I was speaking the man says oh ok, by the way is this XXXX XXXX, Then he proceeds to tell me I have a XXXX outstanding CO pay due with his collection company, GLA Collection Company,  To start with I pay the CO pay at the time of service, so this can not be true, and second is this tactic legal? Please let me know how I should proceed.
Product: Credit reporting

In an effort to improve my credit history I paid XXXX collection accts and satisfied XXXX judgement. I sent the documentation from the collection agencies to delete these accts to the bureaus. To my dismay my credit scores went down on XXXX of the XXXX bureaus and the status of the judgement remain unchanged. I am on the verge of sustaining irreparable damage as I am about to lose my contract to purchase my home and lose my earnest money. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Kikoff account was hacked and my email address/login information was changed. They also added a second fake address to my credit report. I contacted the help center but the representative ignored me and never responded when I mentioned someone was committing fraud with my account. The help representative told me I set up the account with an email I've never owned ( XXXX ) this is not my email address and never has been.
Product: Credit reporting or other personal consumer reports

called them to credit freeze lifted, thier website would not work. After answering all thier questions he then asked about who owns real estate in new york. Having not lived in new york after XXXX years i said i dont know. he then said i have to answer the question. i then asked for a XXXX and he said no. so i said ok im filing a complaint he said go ahead and here we are. this is a horrible way to have help as far as im concerned. 
thank you for you time in this matter.
Product: Checking or savings account

I'm attempting to transfer funds and close an individual investment account held by Axos Invest. I've attempted contacting their customer service by phone, email, and secure message over a dozen attempts over the past few weeks. I've also initiated a securities transfer request with XXXX, which Axos blocked.
Product: Mortgage

I purchased my home in XX/XX/XXXX. Last year I was hit with a XXXX dollar property tax bill. The previous owner upgraded the house using a pace loan and didn't end up paying the lien off before the XX/XX/XXXXtax bill. The Missouri XXXX XXXX XXXX did everything in their power to help me. They reimbursed me XXXX dollars which was the extra amount included in my taxes. My Mortgage company on the other hand has done everything in their power to keep me paying a double mortgage rate. They did the Escrow analysis last year in XX/XX/XXXXon my loan. I started paying double the mortgage because I had to get the Escrow account back to even because of the increased property tax bill. Soon after that I found documents on the XXXX County website that stated the lien was removed from the house. I sent those documents to my Mortgage company and they told me it was not enough to prove that the lien was paid off. In XXXX they said they needed a XXXX tax bill to prove that the lien was gone. Well I waited till XXXX, paying double the mortgage the entire time, sent them the new tax bill and they paid it on XX/XX/XXXX. The last time I contacted them on XX/XX/XXXX they said that my Mortgage would drop back to normal in XXXX. I just got my latest statement and they are still charging me double. At this point I have paid more money into my escrow account than I have paid in interest and principal combined. I haven't actually " lost '' any money yet but I have been living paycheck to paycheck for the last couple months and I have had to go to bed hungry way too many times because of them. The negligence and unwillingness to help customers is pathetic. I hope that no one in this state ever has to deal with this company.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I have tried to dispute the matter more than six times and I wont stop. Im a victim of identity theft these accounts where not opened by me Ive submitted ftc reports and local police reports already Im not going away.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST