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

On XX/XX/2019, 3 unauthorized ACH transactions occurred in our checking account in the amounts of {$2100.00}, {$6100.00} and {$5200.00} We reported the unauthorized transactions to First Citizens bank on XX/XX/2019. 

The bank refused to refund our money insisting that we didn't report the error the next business day. 

The online banking doesn't show up until the day after, so we wouldn't have the ability to see the transaction until XX/XX/XXXX. The bank was closed on XX/XX/XXXX. So we did in fact report the error the next business day - XX/XX/XXXX. 

The bank is not refunding our money that they allowed to be withdrawn without our consent. 

Even if we had waited an extra day - the bank 's policy is absurd. How can we be expected to check our account daily for fraud? Especially over a holiday.
Product: Debt collection

no company name no original creditor name. no phone no address provide account XXXX. 
Account type Collection Account Date Opened XX/XX/2020 Balances XXXX paid update XXXX paid off 0 monthly payments XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score was deleted add this back on FCRA violations remove all : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX Account XXXX XXXX ResponsibilityIndividual Date XXXX StatusAccount charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX XXXX XXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityJoint with XXXX XXXX Date XXXX StatusAccount charged off. {$26000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
Status UpdatedSep XXXX XXXX  XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX
Product: Credit card

According to the letter states We 're sorry to tell you that we will be closing your Barclaycard XXXX XXXX Card account for the reason outlined below. All cards issued on your account will expire on the last day of this month and new cards will not be issued. 

Balanceon this account is too high.
Product: Vehicle loan or lease

Approved for auto loan XXXX 3.65 %. Signed initial agreement on XXXX which included a {$2100.00} warranty plan that was never discussed. Declined the warranty and my rate was increased to 5.1 %. 
Loan has been in funding since XX/XX/23. On that day I paid $ XXXX. Multiple outreaches to Tresl and manager with no answers. Today is XXXX. 
The seller has not been paid and Tresl provided a timeline of 4-7 days for funding. No payment. No explanation. Rate increase after declining warranty and terrible costumer service.
Product: Credit reporting or other personal consumer reports

I recently checked my consumer report and noticed that there was an inquiry that i don't recognize.

THIS IS BREAKING THE LAW!!

According to 15 usc 1681 ( b ) In order to furnish my consumer report information I the consumer has to allow such activates to transpire " Company : XXXX XXXX address : XXXX XXXX XXXX XXXX, OH XXXX date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Fortiva credit company has closed the account at the creditors granters request as my payments were on time in XXXX of this year. I have filed a dispute with experian twice and I called fortiva. I was told by an employee of XXXX  that fortiva is violating my consumer rights. They have yet to fix this issue which is messing with my credit score. Im currently trying to get my credit score increased to buy a home through the VA. As a veteran fortiva is messing with my chances and reporting false information.
Product: Checking or savings account

This complaint is about Marcus, an online savings account affiliated with Goldman Sachs. 

On XX/XX/2019, I attempted to use the banking web site to transfer money from my savings account to another financial institution. Marcus ' web site told me that the transaction was in progress and would be completed within 3 business days. 

On Monday, XX/XX/2019, I attempted to access my Marcus account online and was told by the web site that it was locked and I needed to call the company during XXXX XXXX ET to XXXX XXXX ET. 

On Tuesday, XX/XX/2019, I phoned XXXX to regain access to my account. I was placed on hold for 54 minutes while XXXX   allegedly attempted to verify my external bank accounts. My external bank accounts had been linked to XXXX months earlier and had successfully transferred hundreds of thousands of dollars to XXXX months earlier. 

During the lockout period, I was unable to look at statements or any information related to my account, which is all relayed to me electronically.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$29000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$180.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$170.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

merchants credit guide company XXXX Collection opened XX/XX/2019 MERCHANTS CREDIT GUIDE add a derogatory marks on my credit reports. Upon further research, this account was open as fraud. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited {$25000.00} with Truist on XX/XX/year>. 
They suspected fraud. It took 2 months and a cfsb complain to get some information. They told me that I needed to tell the person that wrote me the check to have their bank get it back. That person talked with their bank, XXXX XXXX, who did a fraud investigation and said they found no evidence of fraud. 

I have tried to contact Truist for a week with no response. I have sent emails and left voice mail. 

They will not release the money to me and are doing nothing to get the money back to the person who wrote me the check. 

Truist has had my {$25000.00} for 100 days. 

At this point, I am considering filing a criminal complaint. Truist stole my money because they are not lifting a finger to get the money back to any rightful owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

I had fraud at the company in Texas. I can not confirm whos debt this is
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Product: Student loan

I currently have XXXX consolidation student loans serviced by Navient. Once I entered my principal and interest repayment period my payment amount is {$320.00} for the next 20 years. On XXXX XXXX, 2016 I received an email from Navient informing me that the payment term for my loan has changed. The email then gave a list of XXXX possible reasons for the change in the amount. The new payment amount {$330.00}. This change represents an increase of {$3400.00} over the remaining life of the loan. I called Navient on XXXX XXXX and XXXX XXXX to understand what has caused the change in the payment terms since is was not easily understood. The agents and the supervisor could not adequately explain the reason for the payment change. My loan has been on automatic payments for a least past 5 years and my loan is not past due. My interest rate is fixed and the rate has not changed. A subsequent notice indicated that there is unpaid Interest of {$20.00}. As a result the unpaid interest is not capitalized is used to recalculate the new monthly payment. This {$20.00} will now cost {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX {$11000.00} Account # XXXX XXXX {$1300.00} Account # XXXX XXXX {$4300.00} Account # XXXX XXXX {$20000.00} Account # XXXX XXXX No action was taking by me I have no knowledge of these account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

According to the consumer reporting agencies, my information was breached through the following credit bureaus ( XXXX, Experian, XXXX XXXX ) I received a check from XXXX because of the breach. Enclosed is a copy the check
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX **** Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX Bankruptcy Court Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I paid off my Sam 's Club credit card on XX/XX/XXXX. On XX/XX/XXXX, XXXX weeks after it was paid in full and the payment posted to my bank, they mistakenly showed a return payment and reversed the payment showing a balance once again {$680.00} which again shows on my credit report. I have contacted them 5 times and have been told it was a error and their backend department just needs to fix it. Two months later it still is not corrected and if I don't pay a minimum payment by the XX/XX/XXXX ( which I do not owe ) will show as delinquent. This account has been paid in full since the end of XX/XX/XXXX.
Product: Mortgage

Loan Care is erroneously reporting 60 day late payments on my credit report for a period of time I never even lived in the home. My home was purchased XX/XX/XXXX and sold XX/XX/XXXX. Loan care is reporting that I have 60 day lates for XX/XX/XXXX and XX/XX/XXXX. I tried repeatedly to have this corrected. Loan Care does not allow you to speak to representatives in their research department and despite bank statements showing payments and verification that the home was sold and payments were made timely, they have not updated the record. I wrote them several times and spoke to several representatives but was never able to speak directly with anyone that was actually responsible for rectifying the issue. I have been working with a consumer credit counselor for 6 months now and they have also tried to have the record updated as this is negatively affecting my credit score and preventing me from qualifying to purchase a home. They have been ignored as well. This is an egregious disregard of the facts and is creating an undue hardship to myself and my family.
Product: Credit reporting or other personal consumer reports

I appreciate your attention to correcting some of the misleading information previously reported on my credit file. However, I am not fully satisfied that the investigation of the 3 credit bureaus has entirely adhered to the guidelines of the Fair Credit Reporting Act ( FCRA ). I believe that certain account still requires proper action to ensure the maximum possible accuracy of my credit file. If their investigation can not confirm the validity of the information, I believe is inaccurate, I respectfully request that the account be corrected from my credit file immediately. Additionally, please provide a detailed description of the procedures used to determine the accuracy and completeness of the information in question to my address listed above. For that reason, I am requesting and asking for your help for the correction of this account : XXXX XXXX Balance Owed : {$2700.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

A woman found my information at a hospital. Instead of returning it, she used my identity to supply her lifestyle. I sent in police reports and the problem continues. 7 years later, I'm still fighting this bank off of my credit. Find the strawman you got this from.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX these accounts are reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit card

Starting late XXXX of this year XXXX purchases were made off of my XXXX account using my Old Navy store card that was linked to my XXXX account. I did not realize this card was still linked to my XXXX account, which was already confirmed It has been hacked confirmed by the XXXX XXXX XXXX XXXX. They confirmed this when the attempts were made on my XXXX XXXX XXXX XXXX XXXX transactions were made before I realized that my XXXX was still being used with one of my current cards still linked to it. I have contact XXXX. I have contacted Barclays Bank and XXXX to look into these fraudulent purchases, and they all keep coming back to me that they can not confirm its fraud.I was at my job at the time of almost all of these purchases. I also have not used XXXX in a long time because I have my own car now. I had asked XXXX to at least tell me where these XXXX rides were located and they couldnt give me that information so I have no idea if they were even in my own hometown. I keep re-opening the claims through Barclays bank, even though theyve came back to me several times that they cant confirm anything. 
XX/XX/XXXX, XXXX {$22.00} XX/XX/XXXX, XXXX {$24.00} XX/XX/XXXX, XXXX {$3.00} XX/XX/XXXX, XXXX {$19.00} XX/XX/XXXX, XXXX {$24.00} XX/XX/XXXX, XXXX {$16.00} I also dont know if it matters but the card these purchases were made on has been canceled and I have a new one.
Product: Debt collection

XX/XX/2019 the agent called 4 times from 2 similar numbers. I returned the call and it came back to Phoenix XXXX. They ask for a female who is seldom at the residence and they won't give me any information as to the reason/purpose of the call. I informed them prior that multiple calls are harassment and the agent said, in fact, it is not and that he would continue. He has done exactly that.
Product: Mortgage

XXXX   XXXX   XXXX    CFPB : JPMChase, in a letter dated   XXXX   XXXX   XXXX  ,  XXXX   XXXX , mentions "  XXXX   XXXX  '', without explanation. Any documents that I  XXXX  have had concerning "   XXXX   XXXX   '' were stolen by JPMChase  Contractor  "  XXXX  '',  XXXX   XXXX ,  XXXX .   I demand that JPMChase return to me my documents concerning "  XXXX   XXXX  '' that "  XXXX  '' stole from me.   I demand that JPMChase, furthermore, provide me detailed information about "   XXXX   XXXX   '', including, but not limited to, authorization for the existence of "   XXXX   XXXX   '', full legal names, contact information, position titles, pay grades and salaries of "   XXXX   XXXX   '' employees and any and all special mechanisms for complaining against "   XXXX   XXXX   ''.      XXXX   XXXX   XXXX
Product: Vehicle loan or lease

They have my information in the system so that when I apply it automatic denies me and request that I put down over {$15000.00} when running my report My down payment was zero XXXX this is credit discrimination, and vehicle fraud
Product: Credit card or prepaid card

Purchased two {$100.00} Visa Gift Cards from XXXXXXXX XXXX XXXX. Went to register the gift cards online so i could use at gas stations. Once logging into the website i noticed the balance is zero and the spent activity is around a town ive never been. Im 100 % sure i did not compromised my gift cards as they never left my person/home. After researching i believe the gift cards were stolen, tampered with, and put back on the shelf where i then purchased the cards. The bottom of the packaging has a brownish rubber cement type glue which is think was used by the thief to seal the cards.

I contacted Giftcardmall and theyre asking i wait 90 days for a verdict too see if i even get my money back. 3 months is unreasonably too long to hold my money if i even get it back. 

Purchased from XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Gift card packaging says distributed and serviced by Blackhawk Network. 
Back of actual gift card says issued by XXXX, card also lists giftcardmall.com/mygift XXXX for support.
Product: Credit reporting or other personal consumer reports

I have submitted disputes to experian in regards to the inaccuracies on my report and they are being negligent. I demand that this gets corrected immediately
Product: Debt collection

ace cash express approved a loan that was submitted online in 2013 which was not done by me with my personal information that has lead me into owing there company and has lowered my credit score .and now I am not able to get any information from this loan company on the application that was submitted to them online because they sold my file to an agency so I can figure out what solution I can come up with to fix the bind im in.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$560.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the
breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts have been identified as a result of this breach : EXPERIAN Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX