23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a copy of my credit report.To My Surprise you are reporting this account incorrectly this collection account is reporting not only open but also shows a past due balance of XXXX $ and XXXX according to FCRA I have the right to an accurate credit report please remove these accounts immediately from my credit report please provide me a copy of my new credit report reflecting this account removed upon completion sincerely XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hi I had a credit card which I am carrying since 2016. I was a XXXX XXXX at that time and the credit limite is {$500.00}. Today, I managing 5 credit cards with a limit of {$12.00} XXXX. 
Discover never notified me or sent me any alert. My credit score went down by XXXX points as a result of a late payment. I have tried to write letters and called multiple times discover and the bureaus. This is the first time a late payment occured. The amount was {$140.00} and was paid in full, the second I learned about this whole situation. Discover bank decided to refund me for late charges and I since enrolled in automatic payments. Today, I would like you to verify please that late charges were refunded, and that discover never gave me a notice by email. I am a frequent traveler and I have been abroad for the past couple of months. I have signed for paperless documents with them, but they still want to communicate by paper for such alerts.
Product: Checking or savings account

Our issue is with Ally Bank. On XX/XX/year>, we ( my husband and I ) noticed a fraudulent charge ( screenshot Ally-Online-Services-Ally.png ) on my debit card for {$2500.00}. We immediately knew it wasn't something we purchased and we noticed it was from a XXXX business, supposedly in XXXX, VA, which is in XXXX XXXX. We called the XXXX XXXX Sheriff 's Office and discussed the issue with an officer, who said that the business does not exist and therefore they can not do anything about it. 

So, by fraudulent, we mean someone stole our credit card and charged it to a fake XXXX business. We bank with Ally, so we immediately locked our cards and attempted to dispute the charge. We were told by an Ally customer support representative, that we could not dispute the charge until it was posted. It's a lot of money, so we watched it like a hawk and disputed it immediately when it did post. We were told by Ally that it would take 10 business days to investigate the dispute. We didn't hear anything from them and ended up contacting them again on XX/XX/year>. They told us the dispute was ruled as non-fraudulent and that we wouldn't get our money back. We complained, but we were told by Ally that there was nothing they could do, because their fraud department ruled it as a legitimate charge. 

Considering it was a lot of money, I decided to do some detective work. I contacted XXXX, and they gave me some good information and leads. I discovered I could look up the transaction receipt for the XXXX business ( screenshot Square-Look-up-your-receipt.png ). When I looked it up, on XX/XX/year>, the business suddenly had a completely different name, didn't have a legitimate address, and was in XXXX, WI. The receipt also showed that the card was " keyed '' in, so the chip was not used. This, to me, made it fairly obvious this was a fake business running stolen credit cards. 

With this new information on hand, I reached back out to Ally Bank on XX/XX/year>. When I provided this additional information, they told me they re-opened the transaction dispute. I've now contacted Ally Bank multiple times since they re-opened the dispute and every single time I contact them, I get told the fraud department needs 10 more business days to investigate. It just seems like I'm getting a runaround where I'm never getting my money back for a clearly fraudulent charge. Please help! We don't have a lot, so this money means a lot to us.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, at approximately XXXXXXXX XXXX, I received a call from an individual identifying himself as XXXX XXXX ( contact number : XXXX ). XXXX XXXX claimed that I possessed a stock option buyback plan associated with a timeshare I own in XXXX. This revelation was entirely unexpected, as I had no prior knowledge of such a plan. XXXX XXXX recommended that I contact the corporate finance office for the timeshare at XXXX, instructing me to inquire about my book entry number and to furnish my member ID for the timeshare, referenced as XXXX. 

In the subsequent days, I engaged with various individuals and entities, including the finance department and XXXX XXXX himself, who provided guidance throughout the process. These interactions led to a series of requests for wire transfers with the ostensible aim of funding a brokerage account. Over the course of these interactions, I conducted several wire transfers that cumulatively amounted to a substantial sum of money. Regrettably, I have not received the funds promised, and it has become increasingly evident that this situation may be rooted in fraudulent activity. 

As of XX/XX/2023, XXXX XXXX XXXX communicated to me additional requirements, including payments for FBAR ( Foreign Bank and Financial Accounts Report ) reporting and other financial obligations. These requests extended beyond the limits of my financial resources, and it was at this juncture that I began to harbor suspicions that I may have fallen victim to a fraudulent scheme.

I would like to underscore that these transactions were executed with the genuine belief that they constituted bona fide investment opportunities. In light of recent developments, however, I am profoundly concerned that I may have been egregiously deceived and that the funds transferred have been irretrievably lost.
Product: Checking or savings account

My account was closed in XX/XX/XXXX because Chase was unable to verify a third parties phone number. The initial check was placed on hold after it was deposited via ATM and I was advised it wouldn't be released until XX/XX/XXXX, however that same morning once the deposit was made available Chase froze three of my accounts ( two checking 's and one savings ). I was advised by a rep that the check deposit needed to be verified by the third party and not the issuing financial institution. I provided the phone number and was told it was unverifiable, I then provided multiple numbers as well as called the third party so that they could be verified but the Agent kept telling me the same thing. I was told in so many words that the phone number needed to be in the person 's name otherwise they would not be able to call the number which makes it " unverifiable ''. I asked if they could call the bank to verify the third parties contact information ( Name, Address, Number, SSN etc. ) and was told the phone number was the only way. 

I asked if it was okay for us to go inside of the Branch with identification so that we could complete verification and was told the Branch employees would not be able to help. I was then quoted 10days to have the check verified or my account would be closed. My account was actually closed within 5 Days. 

I reached out after the account closing to see if the check could be released or sent back to the financial institution for it to be reissued and was advised that it was not possible to provide me with the original check and the other bank would not be able to request the funds back because it was already deposited. She also stated if it was not verified within a certain time frame the check will be mailed to the state. I was then told that my remaining account balances would be mailed to me minus the amount for the check which was for {$24000.00} even though it was already made available and reflected against my account balance. 

I never received the check for the primary account balance and one of the other accounts was charged off for {$4.00}. I received notification that chase would not be collecting on this balance since it was a charge for the account fee and I would have to go inside of a branch to reopen my accounts because I couldn't have the same account numbers.

I went inside of a Branch on XX/XX/XXXX and tried reopening an account. The Branch employee called customer service and was told that it was okay for her to proceed with opening the account. When the employee submitted my information I was denied, she let me know that my bank score had dropped and it was most likely due to the charge off and the account closing. 

I have had more than {$200000.00} go through my personal and business accounts with Chase within the last year alone so this is very upsetting. Not only are all of my accounts closed I'm unable to reopen new accounts after I was told multiple times there wouldn't be any issues. The individual who's check it was is now out of {$24000.00} and they will not return it to either party involved.
Product: Vehicle loan or lease

On XX/XX/XXXX a cashiers check for {$11000.00} was mailed to XXXX XXXX XXXX from XXXX XXXX XXXX to payoff my auto loan. They recieved the check and cashed it on XX/XX/XXXX. XX/XX/XXXX an additional payment of {$500.00} was sent from my checking account automatically by XXXX XXXX XXXX. At this time, the loan is paid off, but Exeter has not returned the {$500.00}. I have called the company on several occasions. The company admits they owe me the money, but does not seem to be able to return it to me in a timely manner. The offshore call center customer service is a collection center and is ill equipped to help customers with any other problems.
Product: Credit reporting or other personal consumer reports

my personal information was used without my permission to open fraudulent bank accounts and bank inquiries. I have contacted the consumer financial protection bureau, police department, and consumer banking reporting agencies Early Warning system, XXXX XXXX, and XXXX XXXX to notify them of the unauthorized activity that needs to removed per federal law FCRA XXXX. 

XXXX consumer ID XXXX Early warning consumer ID XXXX 2 fraudulent bank accounts : XXXX XXXX opened XX/XX/XXXX account number XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX 20 fraudulent bank account inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of  this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I write this letter with deep concern and dissatisfaction regarding the responses provided by XXXX, Experian, and XXXX to my complaint. It is distressing to note that all three credit bureaus have failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. 

As stated in my original complaint on XX/XX/2023, the core concern lies in XXXX XXXXXXXX XXXX XXXX failure to respond to a Debt Validation request within the mandated 30-day period. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the credit bureaus ' responses exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXX XXXX XXXX untimely response. 

I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. 

In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. 

Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. 

I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/2023 complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that should there be any further failure to address my concerns transparently and adequately, I will not hesitate to escalate this matter to relevant regulatory authorities and consumer advocacy groups up to and including legal action. 

Your immediate attention to this issue is expected and appreciated.
Product: Credit reporting or other personal consumer reports

Any transaction on my credit report is a transaction that is from a real life experience and should not be included in my credit report. Experian is violating my rights to privacy as a consumer. 

I have disputed this account with Experian. 


XXXX XXXX XXXX XXXX  Account # They keep updating the account and reaging the account and artificially damaging my fico score. The last activity date for Experian says XX/XX/year>. I need them to remove this account completely or I will sue. This is unacceptable and Im losing faith in Experian as a consumer reporting agency because they are not looking out for the consumer at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

On XX/XX/XXXX, our business accounts were wiped out by a garnishment from the state of Maryland. The issue is, we are a North Carolina business and have never done business in Maryland. 

We called the law office in Maryland and found out this is a case of mistaken identity. They issued an order for XXXX XXXX XXXX in XXXX XXXX XXXX Maryland, but Bank of America garnished us, XXXX XXXX XXXX in XXXX XXXX NC. 

We have been given the run-around by customer service agents and managers and even branch managers so I am asking you for help. 

The money garnished was credited back to our account on Friday. We have not, however, received any formal communication ( explanation, apology, etc ) from the bank about this issue. We had to temporarily close our business on Thursday and part of the day on Wednesday to deal with this issue and because all of our sales were being immediately garnished. 

This issue has caused a hardship for us emotionally and financially and affected our creditworthiness with vendors who we couldnt pay during this time. In addition to any fees that were assessed, we would like to request compensation for lost revenue and inconvenience. 

We would very much appreciate a response as we feel like we deserve an explanation for how and why this happened to us.
Product: Vehicle loan or lease

At the end of the lease termination due to ( military orders ). The  Vehicle was returned with less than 36,000 miles. When I purchased this lease, the dealership told me the lease is for 12,000 miles per year or 36,000 for three years. The vehicle was returned after two years and the mileage was at 29,000. I have leased with other car companies before and I have also terminated pervious vehicle leases because of military orders and Ive never have a problem before as long as the vehicle did not Exceeded 36,000 in three year period. Also I am getting charged for a disposition fee. I dont understand why I have to pay this fee.
Product: Mortgage

My wife and i refinanced in XX/XX/2018, and our loan started being serviced by Parkside Lending in XX/XX/2018 .The mortgage was transferred to a new servicer XX/XX/2018 XXXX XXXX XXXX .We are in the process of obtaining a home improvement loan, and when our credit report came up it appears we have two open mortgage accounts. This incorrect information is causing a credit hardship. The credit report should indicate the Parkside Lending account as closed since it has been transferred to XXXX XXXXXXXX XXXX, our new mortgage provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint as well as the attached letter for this complaint I recently checked my credit report and I noticed numerous violations I reached out to the credit reporting agency reporting the information but they did not respond nor did they fix the issues.
Product: Checking or savings account

My funds are being held and I was forced to order a new debit card. I was never even informed of the account being frozen and deactivated. When I reach out Im told they just wont give me any details and they wont inform me of why this happened or when it could be resolved. I have no access to my money and they dont care and have been of no help
Product: Credit reporting or other personal consumer reports

Experian has failed to do a proper re-investigation according to FCRA. I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. XXXX XXXX account numbers ending in XXXX and XXXX are fraudulent accounts and are reporting with different information on all from XXXX, Experian, and XXXX which proves there has been no proper investigation done. Experian is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of 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 promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Debt collection

Frontline asset strategies keep sending bills instead of the original contract, my signature to even verify this account. XXXX is still sending bills but they charged it off and this debt collector is also trying to collect on this debt. If they can not verify this debt they need to delete it. I never opened a XXXX account i always had XXXX  bc they are way cheaper. I went into a XXXX store and a asked the rep do you have to sign off on a phone plan and they rep said yes. This debt collection needs to be verified with original signed contract and not any bills.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( Santander Consumer USA 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 a payment on a credit card account Under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX are reporting closed accounts as if they are active
Product: Credit reporting or other personal consumer reports

ok to be specific only one of the four inquirys from XXXX are correct the one from XX/XX/2022 is correct the other 3 are not one might be from when i called their customer service the one from XXXX XXXX is something i never applied for or got and should be deleted 2 XXXX XXXX i dont know abor and 1 of 2 specificly the newest one i have no knowledge of from penfed
Product: Debt collection

I have opened several disputes the dispute on XX/XX/2019 shows that these two collections were deleted yet it doesnt seem that this has been updated on my credit report ( s )  mainly Equifax!