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

Funds were deposited by SSA on XX/XX/23 ( and ongoing months, twice a month ) and received. Then bank began stating that I had overdrafts even though this did not happen. They withdrew my {$910.00} and only returned {$860.00} of the funds. On XX/XX/23 I paid a bill for {$50.00} and it was authorized on XX/XX/23. The bank then stated on XX/XX/23 that the bill was paid and but {$54.00} was taken from my account. 

Then, when I made a claim on the {$910.00} with the bank ( customer service in the XXXX answered ) I was told that I had withdrawn {$260.00} and {$640.00}, but I had not done this. I stated a claim to a different customer service representative and he said he would put the claim through for me. Then, the money was returned to my bank account ( {$860.00}, not the full {$910.00} ) and that he was going to close the claim now. I still have not received the full amount back in my account. 

The bank also claimed that I withdrew my funds from an ATM, which I did not do, I went into a physical bank location to make the withdraw. 

Claim ID # XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, I am writing to delete and remove the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted and removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you.
Product: Debt collection

XX/XX/XXXX : Received first ( and only ) written notice from XXXX XXXX XXXX for a debt. The document stated PLAZA SERVICES now owns a debt that XXXX originally owned. The amount was {$2000.00} on XX/XX/XXXX. 

My spouse called the phone number for XXXX XXXX XXXX ( Reference number is XXXX ). This company asked my spouse for my personal information. He did not supply any information, but the company provided an address, a state, a bank institution, and a false employer associated with the name on the debt. Some of the information was accurate but outdated. 

I called the number for XXXX. I spoke with a woman name XXXX. They asked for the reference number XXXX. They told me this account number was associated with my name, then she asked me for the last four digits of my social security number. I gave her this information. She said I needed to call the local police department and fax or email them the police report so their fraud department could correspond with my local police department. 

I called my local law enforcement agency. They told me the debt collection agency was a fraud, and so was XXXX. I was told no case number would be filed for the case because I needed to contact the FTC to file a report.
Product: Credit card or prepaid card

I have made my Paypal Credit account to make several purchases to take advantage of their " XXXX months no-interest promotional financing '' offer ( which is actually " deferred interest '' that is waived if you pay off the balance before it expires ). This year, I received a partial refund from XXXX of the merchants I had made a purchase from that qualified for this promotional financing. That " credit '' was applied to a different outstanding promotional financing purchase on my account, due to the way Synchrony applies these credits by default. When I called to complain that this was not in my interest, I was told that this would be taken care of. Instead of the credit being taken off of the wrong purchase and applied to the correct purchase, the amount was " reallocated '' from promotional financing to a " standard '' balance ( which bears interest IMMEDIATELY ). This means that any payment I made would first go towards this " standard '' balance instead of my expiring promotional balances and I never knew why. Synchrony makes it IMPOSSIBLE to figure out what's going on, then they refuse to allow consumers ( or even the customer service reps that deal directly with consumers ) to directly contact anyone who actually makes adjustments to account balances, so every time I would call and complain ( XXXX or XXXX  times over the last 6 months ), I would be assured that everything would be fixed ( " within XXXX to XXXX billing cycles '' ), but things would get WORSE every time. Most recently, in an attempt to fix this situation, Synchrony " paid off '' ALL of my promotional balances, then realized they messed up and DEBITED my account for that amount, except instead of putting it back on promotional balances, it was ALL put on the REGULAR " STANDARD '' balance, which I now have to pay right away or risk paying interest on all of it. I STILL can't talk to anyone actually making the changes.
Product: Payday loan, title loan, personal loan, or advance loan

I was referred to a solar company for service. They came and did a presentation telling me how much I would save and all the incentives that I will have from choosing their company. I signed up for the service and read all the paperwork to make sure I knew what I was signing. At no point was I told or signed for a loan. I was trying to do some business with my home and it was bought to my attention from the bank that I had a {$46000.00} loan on my XXXX. I reached out to the bank to find out where the loan came from. Low and behold it was from the solar company, XXXX XXXX who applied for loans at 5th Third Bank. I asked for the copy of the loan papers they told me I signed for. I received a copy in the mail and I was able to review it. The signature and initials on the documents are not mine. I went ahead and file a complaint at the police department in XXXX, XXXX. The bank is doing an investigation and the solar company is saying the debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX (  XXXX XXXX XXXX ) always disguise their name to try and confuse people. This time it is XXXX XXXX XXXX XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

XXXX XXXX XXXX XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from 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 XXXXXX/XX/XXXX
Product: Checking or savings account

TD BANK CLOSED MY ACCOUNT WITHOUT NOFICATION.PUT A HOLD ON MY FUNDS ..MY ACCOUNT HAS MY UNEMPLOYMENT {$430.00} TRANSFERRED ACH TRANSFER OF XXXX unemployment transferred frome a XXXX account.._ {$1000.00} dollars from a XXXX account..all funds should be released back to me..they give you a XXXX XXXX.. which no one picks up and is no longer a 24hr bank
Product: Mortgage

Federal Suit XXXX XXXX FOR PRELIMINARY INJUNCTION AND TEMPORARY RESTRAINING ORDER pursuant to the Notice to Occupant of Pending Acquisition ( NOPA ) issued under HUD/FHA XXXX XXXX XXXX 

XXXX XXXX XXXX was issued based on fraudulent and unlawful practices by Defendants, including : Violations of HUD Federal Mortgage Servicing Rules, including failure to comply with required loss mitigation procedures. 

Deceptive practices and unlawful foreclosure actions, as documented in Plaintiffs FBI report. 

These actions violate Plaintiffs rights as a borrower under HUD/FHA guidelines and federal law.
Product: Debt collection

EOS CCA states they reviewed collection account. They have not sent me in mail any true validation and contiue to state we are in agreement.They also continue to report on my XXXX credit reports. 

They state that they US ASSET MANAGEMENT INC are the original creditor in letter and XXXX are the current creditor at top of letter. 

And at middle of letter state ORIGINAL CREDITOR : XXXX with their address. 

I have no agreement or account level signiture with US ASSET MANAGEMENT INC or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account are not mines. I have disputed them over and over and have sent over FTC report to the credit bureau and notify them to remove this inquiry. Please follow the FCRa rules that states any improper information on my credit should be removed within 15 days immediately I am stating that it is not mind and I am also using legal law to show that it is not mines so please follow this law and remove these inquiries below. I will state each inquiry that needs to be removed. 





( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Opened a savings and checking account on XX/XX/2020 at Chase. They instructed me today XX/XX/2020 and gave me no reason. They refuse to give me a check for the remaining balance. Spoke to a couple of phone and in person bankers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Macys credit card. The cashier Open a credit card for me and print out double receipt give XXXX to her friend and want to me. then I started receiving message that somebody is using my credit card. I filed a credit card complain but not took care of the right way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Monthly Subscription No response to XXXX Dispute Report XXXX XX/XX/2021. 

Denied being able to dispute XXXX FIOS overcharged for the retailer not communicating with XXXX billing end of service/return of equipment. 

Notification unable to locate credit file, directed to contact Experian XXXX for XXXX residents. 

Refused process of online disputes. 

Call 888 # social security number not recognized by automated system for services. 

Payment for denied service.
Product: Payday loan, title loan, personal loan, or advance loan

Self is reporting 90 days late on my payments ( they advertise and are only in business for a builder credit company - I didn't even get a loan. I'm paying them while that hold the money. ) I have made these payments and have receipts proving it.
Product: Credit card

Hello, I was charged multiple return payments that i don't authorize and did not made or scheduled so my account is overdrawn because of the fees that was charged and multiple unauthorized transactions from merchants that i did not made its very frustrating and stressful please help me resolve this issue with discover credit card thank you for your help i appreciate everything. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries or the creditors involved.
Product: Debt collection

Transworld Systems Inc. : I am in receipt of your XX/XX/2024 letter responding to the complaint I submitted to the Consumer Financial Protection Bureau ( CFPB ). Thank you for your response and the additional information you have provided regarding the alleged {$430.00} debt owed to XXXX XXXX XXXX XXXX XXXX XXXX 

I appreciate that you have placed the referenced account into a restrictive status to prevent further collection activity while this matter is being reviewed and disputed. Please continue to refrain from any collection communications regarding this account. 

Regarding your statement that " It is TSI 's intent not to have any communication with you in reference to the above account '' - please be advised that under the FDCPA ( 15 U.S.C. 1692c ( c ) ), you are still obligated under the FDCPA to respond to this dispute and provide the requested information. Stating you will not communicate further does not absolve you of your legal duties as a debt collector under federal law when a debt is being disputed. 

Upon review of the validation information you provided, I still do not believe this alleged debt is valid or owed by me for the following reasons : - I have no record of ever having an account with XXXX XXXX XXXX XXXX XXXX  - I did not reside at the service address listed during the relevant time period Under the Fair Debt Collection Practices Act ( FDCPA ), I am disputing the validity of this alleged debt. As such, please : XXXX. Make note of this dispute in your records. 
XXXX. Cease all further collection activity on this account, including credit reporting. 
XXXX. Provide me with additional documentation substantiating your claim that I owe this specific debt, including original signed contracts and a complete payment history. 
XXXX. Confirm in writing when you have completed these actions. 

I reserve all my rights under the FDCPA and other applicable state and federal laws. Please direct any future correspondence related to this matter to me in writing at the address you have on file. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Well XXXX was the first problem I could pay for the car loan I lost my job fell behind on payments. On my credit two months ago it showed as a collection and closed account now it showing that its open and I owe XXXX XXXX. Im working on my credit trying to resolve the problem
Product: Credit reporting or other personal consumer reports

I am following through to seek your assistance regarding certain inquiries on my credit reports that I believe should be removed. These inquiries are affecting my credit profile, and I am requesting your help to address this issue. In my previous complaint dated XX/XX/XXXX, I mentioned the following inquiries on my credit reports : EXPERIAN : 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

After viewing my annual credit reports I noticed a collection account with Choice Recovery ( acct XXXX ) for {$540.00}. They are attempting to collect a debt owed to XXXX XXXX XXXX for {$430.00}. I disputed the validity of the debt with all three credit bureaus as I have not had any business dealings with this company. The response from the creditor came back as verified. My dispute included a request to see my signature as the responsible party but I was not provided with any documentation. 

I have no knowledge of this debt and have never used their services or agreed to pay for services rendered to another party. 

I am requesting this account be removed from all three of my credit reports.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call multiple times a day multiple times a week, most days starting at XXXX MST. I have reached out to them through their website for a payment plan with no response. I have these debts because AES and The National Collegiate trust refused to work with me on payments so I paid what I could until they defaulted ( I now have two loans at XXXX, XXXX XXXX XXXX XXXX, XXXX ). Please stop calling and harassing me early in the morning and multiple times a week. I know the issue and I reached out to you with what I can pay, and that 's all I can pay. Calling me multiple times a day and week about either loan will not increase The amount I can pay. I have always wanted to pay these loans and still want to pay them, It just needs to be within my budget because I ca n't pay anyone what I do n't physically have. I do n't have any assets to sell to pay or else that would have already been done, these loans have taken everything from me, any chance of owning anything is gone. My mental peace is gone. The best way to reach me is through email as I live in the mountains and the chances of any call I answer being dropped shortly after answering are high.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I submitted an online dispute with XXXX   regarding inaccurate information reporting on my consumer report. These informations on my report has hinder me to apply for a credit union account. Once Ive noticed what information disclosed, I immediately disputed the accounts. I am concern about the reporting of these informations and they should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my experian credit report on XX/XX/2019 to take a look at it, I noticed inquiries that i don't recognize on my experian credit report. the 1st one is XXXX on XX/XX/2018, XXXX XXXX XXXX on XX/XX/2019,  XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX again on XX/XX/2019. please remove these inquiries asap off of my credit report, and mail me a updated credit report as soon as they are off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISMISSED  XXXX {$0.00} XXXX XXXX  XXXX {$200.00} XXXX  XXXX  XXXX {$460.00} XXXX XXXX $ XXXX XXXX  XXXX {$590.00} XXXX  XXXX {$590.00}
Product: Bank account or service

I authorized a Wells Fargo XXXX account to be opened in my name with my previous employer. When I terminated my employment I had meant to keep the account open until the FINAL employer match was deposited. I started receiving letters stating a 'forced IRA ' was opened in my behalf. Whom authorized this? I was n't given a time limit on rolling the money into an IRA. Assuming the money was still in my original XXXX I called Wells Fargo to get a check remitted to my current bank where I 'd opened up an IRA account for the retirement money. I was told that the XXXX was still open, but the money was n't there! Instead, it contained the last remittance from my previous employer. What?! I was able to close the XXXX account and have the balance sent by check to me, which I will have to pay taxes on. The bulk of the money was tied up in an account I NEVER OPENED! How do I get MY money? I have to open the IRA account. In order to do that, I have to not only sign an application, but I have to prove my identity! You 've got to be kidding! That form has to be notarized and sent back in the envelope provided in which I have to provide the stamp! Once the account is open I can access MY money. Did I earn any interest on this money in this time frame? Probably not! 

I signed the form to open the account, I sent the proof of identity notarized, now I have to painstakingly call back someone at Wells Fargo to make sure that happened. I feel that I will most likely have to spend yet another hour to close the account I NEVER AUTHORIZED to open! Sad, frustrated, out time and money and still looking for MY money in XXXX!
Product: Credit card

I was issued two identical refunds in the amount of {$500.00} via XXXX XXXX on XX/XX/XXXX. To my visa Upgrade card account. Upgrade by XXXX bank completely hid the second refund. Told me it wasnt issued and to contact the issuer. Which I did and they provided me the proof. I also contacted XXXX XXXX to insure that they agreed both went through. At which time I contacted upgrade. They admitted to getting both refund 's. Yet never credited the second refund to my account. Yet claimed that they did credit it. All this time they are charging me interest on the unissued refund balance. On XX/XX/XXXX they told me they were going to issue the refund but couldnt remove the two weeks of interest they illegally charged me on the refund they tried to hide.
Product: Debt collection

I had been making payments to XXXX XXXX on a XXXX procedure that I was supposed to have completed in 2015 -- they had agreed on a certain amount after billing my insurance. There was a problem w/the XXXX XXXX and XXXX that was to be put into my XXXX, the temporary kept falling out and I never had the final XXXX built or placed into my XXXX because there was a transition in the team and they were n't sure what happened. Someone sent my information to PlusFour Inc., who then placed a debt collection on my account in the amount of {$1900.00}. I reached out to let them know this was inaccurate as I was making payments directly to the XXXX office and that even if they had sent it, it was in the wrong amount because I had already made several payments towards the total. I informed XXXX XXXX and they provided me a phone number -- I have reached out and have not been given a solid answer as to removing and stopping the negative report or any explanation from Plus Four.  Since then I have gone into XXXX XXXX and had to have the XXXX XXXX removed from my XXXX as it became XXXX as they were never able to put in the XXXX I was charged for services never rendered, some partially to my private XXXX  insurance. This has been ongoing since 2015 -- I have, to this date, no XXXX.