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

Debit card information was used on XX/XX/2023 at a XXXX XXXX and three unauthorized transactions took place totaling {$250.00}. A fourth charge was attempted on XX/XX/2023 but was flagged as fraud by the banking company. I was immediately notified of the fraud attempt and called the bank fraud line and spoke to one of their representatives. It was during this time the other unauthorized charges were discovered. My card was canceled at this point as well. On XX/XX/2023 when the charges were posted to my account, I disputed the transactions as requested by the banks representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, XXXX XXXX, I hope this letter finds you well. I am writing to request the deletion of certain hard inquiries from my credit report. I recently obtained a copy of my credit report, and upon careful review, I noticed several hard inquiries that I believe should be removed. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I understand that hard inquiries are generated when a potential lender or creditor requests access to my credit report as part of their evaluation process. However, I would like to bring your attention to the fact that these specific inquiries were not authorized by me, nor did I have any association or contact with the companies involved. 

As a diligent consumer, I have always been proactive in managing my credit and ensuring its accuracy. I take pride in maintaining a strong credit history and strive to uphold a favorable credit standing. The presence of these unauthorized hard inquiries not only concerns me but also has the potential to impact my creditworthiness negatively. 

I kindly request your assistance in investigating these inquiries and taking the necessary steps to have them removed from my credit report. I have enclosed a copy of my credit report highlighting the specific inquiries in question for your convenience. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate or unauthorized information on their credit reports. I believe these inquiries fall under that category, and I kindly ask for your cooperation in rectifying this matter promptly. 

If necessary, I am willing to provide any additional information or documentation that may be required to facilitate the removal of these inquiries. I appreciate your attention to this matter. 

Please respond to this request within the timeframe specified by law, which is typically 3 business days. I trust that you will handle this matter with the utmost professionalism and expediency. 

Thank you for your time and attention. I look forward to a favorable resolution to this issue.
Product: Credit reporting or other personal consumer reports

Equifax is reporting fraudulent inquiry from XXXX XXXX XXXX that needs to be deleted from my report. This inquiry was done XX/XX/2023 XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX Tel : ( XXXX ) XXXX Email : XXXX SS : XXXX Dated : XX/XX/2020 To Whom it May Concern : On XX/XX/2020, I received notification from XXXX, XXXX and TXXXX regarding a collection matter. I immediately open my credit file and saw that Afni place {$360.00} collection on my credit report reducing my score by 26 points. I have struggled very hard to pay my bills on time and as a result of Afni my credit score falls to shambles. I immediately called Afni and notify Afni what had happen and that Dept was a fraudulent Dept with XXXX. Afni bought a fraud Dept from XXXX not knowing the history and used that fraudulent Dept to cause severe damage to my credit report which will not allow me to get credit, or get credit at a higher interest rate and have banks reduce my credit limit. Afni is responsible for the damages done to my credit report and Afni needs to get this matter resolved immediately. Under the fair credit Act Afni violated the FDCA. I believe under this violation I am entitled to collect {$1000.00} in statutory damages. I was in the process of buying a home and because of the damages by Afni, I will not be able to buy a home for my family. Afni contact information is XXXX address XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Very truly, XXXX XXXX
Product: Mortgage

It has come to my attention that the company servicing my mortgage loan, Ocwen, has made a serious error and cancelled/liquidated my outstanding debt, incorrectly citing the loan status as delinquent. I have had this mortgage for over 10 years, and have made each and every monthly payment. When I called their customer care line, I was informed that the loan had been " charged off ''. When I inquired as to why, I was told they would have to " research it ''. I received a reply a few days later indicating it was charged off due to the " delinquent status of the loan ''. This reply, sent to me by XXXXXXXXXXXX, indicates to me that they never did any research, as the loan was not even close to being delinquent. The matter originally came to my attention on XXXX XXXX, 2016, when I logged on to make the only payment that was due, which was the monthly payment due XXXX XXXX, 2016. Furthermore, if there were additional terms buried in my contract that required I do more than just make the monthly payment on time each month to ensure my loan was not considered delinquent, Ocwen never contacted me to inform me of them. Prior to Ocwen charging off this loan, they made no attempt to even contact me to let me know they considered the loan to be delinquent. I made each monthly payment in accordance with the terms of my loan, and verified both the amount and due date on Ocwen 's website each time I made a payment. But again, for reasons unknown to me Ocwen suddenly considered it delinquent and cancelled/liquidated the outstanding debt without ever contacting me. Upon receiving the reply from Ocwen 's research department, I then contacted customer care to ensure they would not falsely report to the credit bureau 's that my loan was charged off " due to delinquent status '', and reaffirmed that the loan was not delinquent. I was told that they will report " whatever their records indicate ''. When I informed them that reporting false information is a violation of the FCRA, I was told there was nothing they could do. I should also note that the last payment they applied was on XXXX XXXX, 2016. This was the monthly payment that was due on XXXX XXXX, 2016. So as of XXXX XXXX 2016, my loan was fully up to date. The loan was subsequently declared delinquent and charged off before XXXX XXXX, 2016 ... less than 2 months later. I have attempted to follow up with XXXX ( email address referenced above ), but she has not responded. I fear that if this error is not corrected ASAP, they will report false information to the credit bureau 's that will severely impact my credit score in a negative way.
Product: Credit reporting or other personal consumer reports

I have provided Experian with proof and documentation that fraudulent accounts are the results of a identify theft case that I submitted to Experian XX/XX/year> and accounts are still not removed from my credit profile and well over 30 days. I am going to sue this agency for damages as this, as well as the other lending companies reporting inaccurate information. I have flied FTC complaints, submitted police reports, and provided credit reports from both XXXX and XXXX. I will give XXXX hours to rectify this and remove fraudulent accounts or I will be forced to take legal action. Accounts to be resolved and removed 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

I disputed with ONE MAIN FINANCIAL about a unauthorized Hard Inquiry on my report. I have sent several dispute letters to XXXX and this issue has still not been resolved. It has now a very stressful and frustrating situation. I sent dispute letters to XXXX and One Main Financial. The first letter to One Main Financial was dated XX/XX/XXXX and the another one dated XX/XX/XXXX. I also sent a dispute letter to One Main Financial dated on XX/XX/XXXX and received a response letter that was dated on XXXX and another letter on XX/XX/XXXX that stated " ACCORDING TO OUR RECORDS AND THE CREDIT REPORTING AGENCIES ' RECORDS, THERE ARE NO APPLICATION OR ACCOUNT-RELATED INQUIRIES BY US FOR THE DATES YOU HAVE REFERENCED IN YOUR LETTER ''. There is no record of any inquiry made but it is still being reported to the CRA 's. I need this inquiry deleted immediately.
Product: Payday loan

I applied for a loan from big picture loan company and they only gave me XXXX now asking back double the money than what I got and their fees and rates are too high.
Product: Debt collection

I am being contacted by cellphone number and mail from ERC and XXXX about an incorrect information about phone account and I wish they would get a life and leave mines alone because I do n't bother anyone who wants not to be they call my family and friends that are going to be a problem with calling my grandma I been told you to leave me and my family alone about account you bought for less than {$30.00} or even XXXX dollars
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a tradeline or account with XXXX 's that according to them was reported approximately 2 months ago ... a credit card ... and I do not see it being reported on my reports I want this corrected, and reported ... this is unlawful
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to XXXX XXXX XXXX the list of account below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 
15 U.S.C.1681 section XXXX A SECTION XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15U.S.C 1681c. ( a ) ( XXXX ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681S-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate and unverified information on my credit report to defame my character and this is affecting my ability to obtain credit.
Product: Checking or savings account

I have had an account with Credit Karma for about 3 years now and never had problem with the spend account/ till recently. This past XXXX my wallet and personal information was stolen from my bookbag, cause someone to have access to my accounts and information. My spend account was one of them to be hit and used for hotel transaction not one but many transactions. Credit karma has credited me back for the charges until recently after the last couple came of pending, I went to report, and everything went great till they locked my account. 



with no explanation or reasoning, if just guessed it was because of the hotel charges. so, I gave the pay stub as well statements from hotels saying they going to reimbursed some of the charges because they notice the mishap and that I had no fault. 

Well, it's been two weeks and credit Karama has not relapsed my funds... even when proper documents were given. no one has given me any reasoning. I called multiple times and only been hanged up on... I asked to speak to a manger or the dept whose working on my case and no answer or mi on hold for 3 hours. 



I called XXXX XXXX and all they cont. to do is transfer me to credit Karama.. I have medical problems taht need to be watched over. I needed my funds to get medication and as well supplies for my home and still can't gather any of it because my money is all tired up in this account, I been in the hospital twice due to me not taking my medication which can cause me to have XXXX failure and I mention this to Credit karma and nothing... I am highly upset and angry that they are putting my life sat risks like this
Product: Credit card or prepaid card

I have had fraud on my XXXX XXXX XXXX XXXX. I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action. I even provided police report showing my car was broken into and my card was stolen, I have confirmed fraud and they are still trying to hold me responsible for confirmed fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only have one address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

All other addresses should be removed they do not belong to me and are causing issues with my credit, I am a victim of Identity theft. 
Please remove all incorrect information from my report.
Product: Checking or savings account

On XXXX XXXX, we called Marcus Goldman Sachs to transfer funds to our escrow company so that we can close escrow on a home. Marcus then let us know that our account was locked and that it would need to send us an ( AOI ) Affidavit to prove that we were the account holders. Marcus stated that the AOI will be sent in 7-10 days but it has now been about 21 days and we have called multiple times and they are now for the 3rd time saying that the AOI will be sent by mail.

We called a few more times and they have told us that they would take care of the account. Account is still locked and they have not honored what they have said on the phone.

We called Marcus today and they keep changing their tune and telling us they can not do anything. Our account is locked and we can not transfer any money. We have never seen this happen from a bank who will not let us retrieve our own money. They are giving us an excuse that they need to verify this is not fraud and we are willing to cooperate and let them know we are the account owners but they are not doing their part to send us the mail. We are stuck and can not withdraw money. They are giving us no option other than to wait for the mail that will not be coming. We are not sure what to do and Marcus will always use the excuse that they must verify this is not fraud. Again, we are willing to verify we own the account but Marcus is finding loopholes to keep us from accessing our account. This has to be illegal. Please help as we need to close escrow next week!
Product: Credit card

XX/XX/XXXX, The " Take It Home Credit Card '' program was discontinued. I continued to pay my balance, unable to charge anything to the credit card. XX/XX/XXXX I paid {$2900.00} with a remaining balance of {$710.00}. In XXXX I started an automatic payment of {$50.00} per month and have continued to pay monthly. XXXX, I received a bill of {$200.00} with {$100.00} past due. I contacted the exchange program via phone and they told me my minimum payment has been {$100.00} since XX/XX/XXXX. They said that the minimum payment due was calculated from the last time something was purchased, and the only way to reset the minimum payment due would be to purchase something on the card, although discontinued. Then they stated that I was unable to reset my minimum payment due. From XX/XX/XXXX to XX/XX/XXXX, I have paid a total of {$3400.00} to the account. If I had just paid minimum payments from XX/XX/XXXX to XX/XX/XXXX, I would have paid {$1000.00} in total. This does not seem fair since the total owed right now is {$290.00}, and they are asking for XXXX of the total remaining balance ( {$200.00} ). It is also unfair because I am not able to reset my minimum balance based on what is owed, and the company claims they are unable to do the same because it would be " fraud ''. How is it they can set the payment based on the total balance since my last purchase, but they ca n't set it based on the remaining balance and what is actually owed on the account? Another thing the company said is that you can only prepay up to 6 months and then they start requesting the minimum due automatically and this ca n't be changed. Would n't the money I have been paying since the large prepayment count towards repayment as well? None of this seems legal or fair to the consumer.
Product: Checking or savings account

- In XX/XX/XXXX, we wrote a check to our son for {$200.00} ; he did not know the check was coming and therefore never notified us that it never arrived - On XX/XX/XXXX, the same check was cashed for {$9700.00} ; it was made out and endorsed by a totally separate and unrelated person to my son and the police report we received later suggested it was counterfeited/forged and posted to an unknown account on XX/XX/XXXX- This is a checking account that we do not frequently use ; we typically use it for gifts to relatives and 1-2 other things ; it is not used for our regular expenditures and therefore it took us a little longer to catch this fraudulent transaction - We noticed the transaction on XX/XX/XXXX and immediately notified our bank - Citizens Bank - We also filed a police report with our local Police Department on XX/XX/XXXX - We received an initial Denial Letter from our Bank on XX/XX/XXXX stating that we must notify the bank of errors no later than 30 days after they occur ( it was first on our bank statements on XX/XX/XXXX, but we had been traveling a bit and also dealing with some health issues and didnt catch it until XXXX )- We then filed an appeal with our bank on XX/XX/XXXX after visiting with our local bank branch manager - The Police told us they found footage of a masked individual cashing/depositing the check at a XXXX XXXX XXXXXXXX ATM machine and updated their original police report on XX/XX/XXXX - We received a 2nd rejection letter from our bank on XX/XX/XXXX stating their original ruling stands- We feel this is a clear case of fraud via theft and checkwashing. Our understanding of UCC Code is that if a check is presented in a fraudulent manner, the paying bank is responsible for covering the loss as they have the primary duty to verify the authenticity of the check ; it also states that the Consumer has up to 1-year to report check fraud - We believe Citizens Bank should have caught this fraud and notified us prior to cashing the check ; it is a very unusual amount well in excess of a check that we typically would not write a check for ; the handwriting of the Payee and the amount do not match that of the signature or Memo line ; it was cashed nearly 1-year after it was originally written and the person who endorsed it has a long list of criminal activity ; all of this information has been provided to our bank and yet they are continuing to claim that they bear no responsibility and refuse to reimburse us for the amount we lost ( {$9700.00} )
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed XXXX hard credit inquiries that I did not authorize, I am unaware of, and believe to be fraudulent made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I submitted a dispute request to have this information removed. TransUnion has declined to do this stating that the FTC report I submitted is not an official copy. I have placed this FTC report at XXXX and XXXX has already honored and corrected my report. I contacted TransUnion to understand why the FTC report I submitted was not an official copy and was given no answer.
Product: Mortgage

I closed on a XXXX XXXX  in XXXX, CA on XX/XX/2024. Throughout the purchase process, over a year, I was told by XXXX XXXX I have the option to lease or buy my solar panels for {$15000.00}. Buying was always my choice. XXXX XXXX reps consistently told me they will send wiring instructions a few days before I close. They never did. As I was signing my closing documents on XX/XX/2024, a Saturday, I notice the solar panel cost was included. I pointed this out to the notary. I mentioned it again to the builder and lender reps on XX/XX/2024 before I picked up my keys. 

Later that week, I explained the situation to XXXX XXXX of Clear Mortgage Capital. He told me he would amend the loan and send wiring instructions so I can purchase the solar panels and not have them included in my mortgage. Then he told me, XXXX can not take the solar panels out, it's included in the purchase price. All solar panels for new construction in CA must be included in the purchase price. 

I asked him, what California law states the cost of solar panels for new construction must be included in the purchase price of the home? He did not provide the California law. 

If a buyer choose to lease, they have to lease through XXXX for 20 years, if you choose to buy it must be included in the purchase price. Financing solar panels for 30 years. That does not make sense.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i submitted a letter to the credit bureau disputing all inaccuracies on my credit that i have listed below. The credit bureau completed their investigation verifying the accounts as accurate. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning any such items of the information. 

They stated my accounts were verified but how is that possible if they didn't not do a proper investigation according to the law. Also every piece of information of these accounts are still not reporting 100 % Accurate and according to the FCRA 15 USC 1681 has to be 100 % accurate. I have the credit report showing the inaccuracies