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

I am a person who has financial services with CitiBank, 2 checking accounts, 2 savings accounts and 1 credit card, for more than 2 years. On XX/XX/2022, I received a check from Citibank Bank for {$6000.00} dollars, which I deposited in a Citibank ATM on XX/XX/2022 in my savings account. On XX/XX/XXXX, when I enter the Bank 's Application to make the usual regular payments, I see that all my accounts have been blocked and I do not understand the reason, I immediately contact the Bank 's customer service to find out what happened, they send me to a call with the Department of Fraud and Deposits, who confirm that my accounts have been blocked and are going to be closed for the Deposit of a {$6000.00} check is the only explanation I receive, and I still don't understand what the problem is with this check I spoke with the issuer of the check, who calls Citibank Bank and they tell him that there is no charge in his account for any check for that amount, the next day the issuer of the check and I went to Citibank Bank to find out what is happening and that they give us a solution to the problem. They review my information and indeed the notes they find is that my accounts are blocked by that check, they ask the check issuer for the information and they see his active account without any charge, they ask him for the information on the check drawn, he shows his checkbook who wrote the check, the person who attended us confirms that this checkbook corresponds to a closed account, he explains that he had 2 accounts and that he closed one because he did not need it, that he kept the 2 checkbooks and that at the time of writing the check he used the wrong checkbook and made a mistake, the person from the bank once contacted the Department of Fraud and Deposits to report what happened, I talk to them and give them the same explanation and ask them if they want to talk to the issuer of the check and they do not accept to speak with him, they tell me that the accounts will definitely be closed to wait for a notification in 10 days, the reason for the non-payment of the check is already known. I deposited it in one of my accounts savings, I understand and am willing to have them investigate and present the necessary evidence that it is not a fraud and that I have never made an illegal movement, it is your obligation to contact the issuer of the check to hear their version and confirm what happened. 

It is a decision of total abuse Block the other accounts and not allow me to have our money to pay the obligations where my husband and I have received Direct deposit of the payment of our work and we make automatic payments of the cars, credit cards, Rent, Electricity, Gas. to date all payments have been rejected, I feel that my rights are being violated, affecting my credit history and causing extra payments for not paying all my bills and rent on time. 

I attach the information of the check and the receipt of the deposit where a copy of the check appears on the day and the hour.
Product: Credit card

I have a Chase Slate credit card. I've had it for about 20 years. It is a line of credit that was at XXXX since XXXX. My husband began using it without my knowledge in XXXX. He used it for entertainment, car repairs, hotels, utility bills, etc. He changed the password to his own, had the invoices going to his own email that I didn't know about. He paid the Slate Chase card through his mobile phone monthly, through our joint checking account. I never checked our joint checking account as he was reponsible to pay our bills through our joint checking account with my paycheck that was directly deposited and his XXXX check that was deposited into our joint checking. He charged the Slate Chase card up to {$32000.00}. I found out about these charges the day after his death. He died on XX/XX/XXXX. I went to Chase the day after he died so I could take over paying our bills and this account popped up that I haven't used since XXXX. I reported it as fraud. Chase said I'm responsible for it as he's my spouse and I benefitted from the charges. I no longer have his income as I am a XXXX year old widower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted information and spoke to managers @ Equifax and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has asked all XXXX major.credit agency 's delete a account of.my report. They have sent me a letter and have contacted all XXXX bureaus. XXXX is.the only.one that has deleted it. When I call XXXX  they say that they have not.been contacted by experian or XXXX, and they have sent out the same letter that I will supply.
Product: Debt collection

XX/XX/2023 I received a letter from a debt collection company. The name of the organization is XXXX XXXX XXXX XXXX. This is my response. I have attached a letter of NOTICE AND DEMAND TO VALIDATE DEBT CLAIM. This is my response. Please answer all questions and validate this debt claim.
Product: Bank account or service

All joint accounts with EX-spouse were requested closed at Bank of America. We had to request and sign together at local branch in NH. The joint checking, savings and home equity account were closed. However, BoA says they left open a overdraft protection account associated with the joint checking account that was closed. I did not have an existing overdraft account to my knowledge. I had XXXX in XX/XX/XXXX but it was closed several year later by BoA for late payments. 

Two years later ex-spouse began drawing on overdraft protection account by accessing funds through ATM. Ex-Spouse did not make payments and BoA began collection activities from me. Local branch managers with BoA agreed with me that I was not responsible, but home office would not. I requested proof, my signature, anything showing me as joint owner on this account, and have received nothing. 

I have not had any bank account or credit card from BoA since XX/XX/XXXX
Product: Mortgage

Nationstar Mortgage has ruined my life! After my husband died, I was in a terrible financial situation and tried for almost two years to get my loan modified. I did everything they asked, sent in all the forms, many, many times. Every time I called ( when I would actually get to speak to a live person, which was very seldom, same response. It 's in process, no problem, or we need certain documents ( which I have record of sending time and time again ). Each tie they would tell me not to worry, there was no threat of foreclosure! Well of course I was served foreclosure papers. I had to file Chapter XXXX at the last minute to save my home which is the last thing I wanted to do since I have no other debt!!! Even my attorney has called them and no response!!! I am so close to just giving up, which is probably what they want me to o! They have attached outrageous charges to my balance, totally unbelievable!!!
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024, I, natural person, was denied credit by Hyundai Motor Finance when I applied for an auto credit extension. I am aware of my rights as an original creditor and secured party creditor. I am facing financial reputation damages as the inquiries have not been removed despite the company confirming a denial. I am facing mental distress due to the adverse action. I sent certified mail to the company offering reasonable procedures of resolution on XX/XX/2024. The Equal Credit Opportunity Act, Regulation B protects applicants from discrimination in ANY aspect of a credit transaction. 15 U.S.C. 1611 is being violated due to the misinformation told to me. When I spoke to the finance manager at XXXX XXXX XXXX XXXX, I was told a cash down payment would be needed to be considered which violates 15 U.S.C. 1605, 1662. I was also given my credit score they went by at the dealership. I went online and applied again under the circumstances of the credit score they said I had, I was denied again despite my score being above the requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership in XX/XX/2021, I applied to a vehicle however there were multiple hard inquires on my credit report. I was already approved, but I received multiple hard inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I noticed this problem on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This account is listed innacurately amongst all 3 credit bureaus. The " Date of Last Payment '' is showing a different date each for XXXX, XXXX and TransUnion. 
Id the date of last payment is incorrect it falsely manipulates the statute of limitations on when this account is supposed to fall off.

This is a violation of my consumer rights. Please delete this account immediately Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Student loan

This is an addition to Compliant XXXX. I received a call from MOHELA at XXXX XXXX XXXX on XX/XX/XXXX. They left a XXXX second message that ended after call back at XXXX. 
I logged into my account to contact them and found they are not counting payments made towards XXXX in XXXX. I was employed by the State of Kentucky and was not in school. I have called and messaged them and it still isn't fixed. The original call was in XX/XX/XXXX. All forms have been submitted. I graduated in XXXX and did not reneter school until XXXX. I need to be credited these payments. I also made payments during COVID after XXXX said they would count. 
I still have not received a payment for due date of XX/XX/XXXX. The system does not match what they say my payment is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and Transunion Credit Bureaus and the XXXX XXXX  but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX ) Account # XXXX Account Rating IUR Type : INSTALLMENT Loan Type : AUTOMOBILE Responsibility : I Remarks : Credit Limit : High Credit : {$7000.00} Terms : Balance : Past Due : Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : LOCKED DUE TO BANKRUPTCY IT HAS BEEN PAID OFF FROM MORE THAN 7 YEARS SINCE XXXX. THIS INVALID INFORMATION IS REFLECTED ON EQUIFAX, XXXX, AND XXXX. THIS IS REPORTING NEGATIVELY AND IMPEADING ME FROM MOVING FORWARD WITH MY FINANCIALLY WITH NEEDS MY FAMILY HAS. THIS ISSUE HAS TO BE RESOLVE AS PER ADVICE OF ATTORNEY. THE INFORMATION OF COURT DOCUMENT HAS BEEN PROVIDED TO PRIORITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX AND I HAVE CALLED AND SAT WITH SEVERAL REPRESENTATIVES IN FACILITY. GIVEN EDVIENCE AND NO RESOLVE FOR THE PAST TWO YEARS AND RECENT MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian all they want is for you to give them money they say we will boost your credit score if you pay them. I am XXXX XXXX XXXX paid my deductible on my XXXX experian wants money and they will boost my credit score I used to have XXXX now they have dropped it to XXXX. But apply for a credit card or pay them $ $ they will boost my credit score this has damaged my credit and call them is impossible. Thanks for help. XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payments on XX/XX/year> and XX/XX/year> on the account : XXXX/DEPT OF ED XXXX This is not true, I was not late on either months, I request that you verify the Information and update the payment history on this account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated credit report reflecting the changes.
Product: Credit card or prepaid card

On XXXX XXXX I applied for an extension of credit. A few days later I received a letter saying I was denied. I sent a letter requesting further information about the decision to the address provided on the denial letter and it was returned to me, unopened saying the address was incorrect. 
Pursuant to 15 USC 1602 ( f ) credit is my right. Under the Truth In Lending Act 15 USC 1602 ( g ) defines the creditor as someone who regularly extends credit in connection with consumer credit transactions. This private consumer transaction that I did not volunteer to have furnished on my consumer report was unfavorable to me and is defined as adverse action pursuant to 15 USC 1681 ( k ) ( II ). I initiated this transaction using my credit card as defined by 15 USC1602 ( l ). Once I provided them my credit card number they completed a transaction from which I received no benefit. The proof of this unauthorized use of my credit as defined by 15 USC 1602 ( p ) is on the inquiry that is now on my consumer report.

Synchrony Bank has therefore discriminated against me pursuant to 15 USC 1691 ( a ) because I completed this application in good faith and they refused my right to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$70.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached the Explanation of Benefits for this account and it clearly shows the billed amount of {$70.00} with the cost share/copay amount of a {$0.00} balance. This account needs to report a {$0.00} balance due. This false reporting of a collection/charge-off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a name that does not belong to me and i would like it if they would get it off my record the incorrect name on file is XXXX XXXX XXXX and the correct name should be XXXX XXXX XXXX there is a bankruptcy on my credit file that is not mine and i would like it if they did just that.
Product: Checking or savings account

NAVY FEDERAL has gone into my checking and savings account twice without my consent or authorization to perform an electronic transfer of my funds to a credit card account. These unauthorized transfers of my funds were executed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. NAVY FEDERAL needs to credit my checking and savings account {$650.00}. I did not authorize any of these transactions nor does NAVY FEDERAL have any right to the funds in my savings nor my checking account. The credit card account that funds were improperly moved to has been in a do not collect status since XXXX of XXXX per NOTICE : Your account is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. In totality NAVY FEDERAL needs to credit my savings and checking for {$1900.00} pursuant to XXXX XXXX XXXX due to the deceit, lack of disclosures and misrepresentation by NAVY FEDERAL that caused me to improperly apply federal reserve notes via an electronic fund transfer using my personal debit information. NAVY FEDERAL has failed to validate this debt and continues to send statements that I have reason to believe are interest dividends or credit issued to me in form of coupons or bonds. I have indorsed these negotiable instruments, also known as remittance coupons, and NAVY FEDERAL has failed to properly credit my account monthly or monthly send a check payable to XXXX XXXX XXXX XXXX for the remaining credit balance of the account that is a surplus of {$1.00} to my place of abode pursuant to 15 USC 1666d.

Because of all these experiences with NAVY FEDERAL, I will be invoking my rights as a federally protected consumer. As a
federally protected consumer, pursuant to 12 CFR 1026.13 ( a ) ( 6 ) I am requiring to see documentary evidence that validates this alleged debt that they documented that they are not collecting but their actions show otherwise as funds have been transferred without my consent or authorization. In accordance with documentary evidence ( 15 USC 44 ), I need to see the book of accounts as described in IRS Publication 583 to explain and address such subject matter in said monthly billing statements. In order to verify such amounts, I need to see the bookkeeping audit trail to include journal and credits of account as well as the ledger and debits of account from both the PUBLIC and PRIVATE side from the past, present and future to verify the current accounting, verify taxes associated with this account, clarify who funded the account, and how much is allegedly owed. I have reason to believe that there having been billing errors on past, present, and future statements as a result of misapplied credit pursuant to 12 CFR 1026.13 ( a ) ( 4 ) and computational or accounting error pursuant to 12 CFR 1026.13 ( a ) ( 5 ). The evidence of my belief is the false character amount on all statements reflecting a positive balance because if this alleged debt was truly owed then it would be a negative balance or this would be a computational error.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$6800.00}, {$3.00}, {$4100.00}, {$8200.00}, {$210.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.
Product: Credit card or prepaid card

On XX/XX/2021, I was browsing auctions on a site called XXXX. In order to view the auctions and the activity, you need to enter your credit card information. 

I was browsing few auctions looking. at watches because I love watches. 

I was at home on my computer. I went back to work on some tasks and suddenly I received an email saying I won an auction for {$2700.00} and I had to pay {$3700.00} for a XXXX ring. 

I wrote them right away that it was a mistake on their end and I never purchase anything. they said i did and I had to contact XXXX XXXX the auction house. I contacted them and they told me to see with XXXX. 

They also told me they would refund me but they would keep 25 %. They are all scammers you can see the reviews https : XXXX I opened a dispute with Chase, that removed temporary the charge. In XXXX they added the charge back saying they talked to the vendor and since he told them I made the purchase they reversed it. 

I called again and they transferred me to fraud department. They apologized and they removed it of my account and changed my card saying it was a fraud. They told me it shoud n't happen again and they never told me that another investigation would be done. 

Now the charge is back again and they say the investigation team talked to the vendor and decided it was not a fraud since they had my card information. 

This is unacceptable, the investigation team never called me, never asked for proof of emails I had with them. They didn't check the number of people complaining about them. 
I never made the purchase, they use my credit card information to trigger a purchase without my consent. I should be treated as a consumer with my rights.