23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I went into XXXXXXXX XXXX in the area i am located and i tried to open up a business bank account and credit card at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX XXXX was very helpful we attempted to process the application but unfortunately i was denied and given a document but i was unable to open up the account i asked the bank rep why and he told me he didnt have a number i could call but to contact THE CFPB i told him i was aware that my information had leaked and i was a victim of the XXXX XXXX XXXX incident, and he said his system rejected me because my info was a part of a trade disclosure of use of information obtained from an outside source or some type of fraudulent alert i filed this complaint to get some transparency and to have these alerts or information removed from my credit because its preventing me from obtaining credit and opening up a bank account. there has to be some other way to cover or remove this info from reporting so i can be able to open up an account as a consumer right i don't have any other idea why other than what he saw on his screen. i didn't have any alerts or credit freezes on file i removed all the fraud alerts from my credit beforehand but the way my information is reporting to other agencies is preventing them to extend credit. im aware that credit agencies may disclose that my info was involved with the incident to other agencies being that my personal info was a risk because to the XXXX data breach but to get denied because of the way my information is reporting to the banks im just seeking help on the situation make it make sense if i cant use my personal info?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts were added to my credit file that does not belong to me. Accounts are listed below : 1. XXXX XXXX XXXX {$10000.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$1800.00} 4.  XXXX XXXX {$1400.00}
Product: Vehicle loan or lease

I have paid this vehicle off in XXXX of 2019. They never applied my payment even though the copy of XXXX XXXX check was sent to them via fax, email, and certified mail. I was told by multiple agents, the last being XXXX in the executive office that it was received. They have constantly put my phone number on a do not call list when I never asked for that. I am doing all the calling. When I leave a message I leave a phone number and the best time to call as I can not have my phone on at work. They totally disregard my request for answers, then say they didnt receive information and assign my car for repossession. They have even changed my address for to unknown address even though I have lived in the same place for 10 years.
Product: Credit card

I've had a store credit card with XXXX XXXX for over ten years. I have NEVER made a late payment or missed any payments on this account, whatsoever. Over the past summer, this account was absorbed by Synchrony Bank. My due date for my credit card payment has always been the XXXX of each month since I've had it ; it remained due on the XXXX after the account was transferred from XXXX XXXX to Synchrony. For reasons unknown to me, as of this month, Synchrony suddenly changed my payment due date to the XXXX of the month without notifying me of this change. Therefore, when I signed onto their website on XX/XX/year> to make my normal payment, I was alerted that I had been charged a {$41.00} late fee, even though I had not been notified of the due date change. As you can see from the attachments, my due date in XXXX was XXXX, then it changed to XX/XX/year> for the XXXX statement. After much debate, an alleged supervisor named XXXX first said there was no changed to the due date, then admitted the due date was changed. She even confirmed I was not notified, however, she did not remove the erroneous late fee. The company will either remove this charge immediately, or I'll take the matter to court, I'm that angry. I have done nothing wrong here. This company has no right to change a due date without informing me and I will not a pay a bogus fee due to their malfeasance.
Product: Debt collection

company is engage in Re-aging accounts that cause older negative accounts look more recent. both the original creditor or a debt collector can not re-age a negative account. 
this is a very serious violation of the FCRA Fair Credit Reporting Act
Product: Checking or savings account

In XX/XX/XXXX, I received an SBA and PPE loans for my business. The business loans ( SBA and PPE ) were deposited ( electronical to the personal account and Im the only owner of the business ( corporation ). After about one year Santander bank locked my account, for the reason that business loans were deposited to the personal account. I provided Santander with the full verification of my business, including Federal tax return and check that verified that money was put back to business account to pay business expenses of the hair salon that was closed for during the Covid pandemic. The bank locked my account, which had other funds beside these loans, like unemployment payments and others personal fund. All my bill because of the lock account were overdrawn. On XX/XX/XXXX bank returned my money back. I informed lenders XXXX and SBA to reissue checks, but it was rejected due to timing Santadler bank malpractice cause loss of more than {$10000.00} of SBA loans that my business needed.
Product: Payday loan, title loan, or personal loan

First off I hope I made the correct choice to file this complaint because no where did I find Home Improvement Loans. 

So got the loan through Sunlight Financial but the loan was actually approved by XXXX XXXX XXXX. My fist instalment was due on XX/XX/2023. On XX/XX/2023 I remembered that because the XXXX of XXXX had fallen on a Sunday I had forgotten to submit the first payment. So I login to my online account with Sunlight Financial and proceed to submit my payment. On XX/XX/XXXX of the current year, I login to my bank account to see what had been charged so far ( because I have other payments that come in ). To my surprise, I see 2 charges for sunlight financial one in the amount of what the payment should be which is in the amount of {$230.00} and the one I made and authorized in the amount of {$230.00}. I called them that same day XX/XX/2023 at XXXX XXXX  to ask why had they charged my bank account twice? That I had only authorized the payment of {$230.00} made on XX/XX/2023. She checked and verified that the auto pay was not activated. So according to the young lady I spoke to, she verified that the autopay had not been activated, so there was no reason for the financial institution in charging my account without my consent. She did say she'd enter notes to escalate the situation and that she would call me with a response. She even verified my phone number. I asked for either a refund of the double charge or credit for the payment due on XX/XX/2023. I also asked for my payment due date to be moved to the XXXX of each month. I want to point out the call was being recorded! That was taken care of on XX/XX/2023. But as far as for the issue with the double charge they did not mention a thing. I even logged in to see if their was at least a credit to make a payment till XX/XX/2023, but nothing has been updated. Then I proceeded to sending them a message via their portal which I took a screen shot of, before submitting to keep as proof. But till this day of XX/XX/2023 I have not received a response from them, not a call or an email or a letter in the mail addressing the issue. I have removed my bank account from the portal since XX/XX/2023 so they can no longer take any payments that I do not authorize. But I would really like for someone to reach out to them and ask why did they take money that was not authorized? In the attached files you will find the message sent to sunlight Financial disputing the double charge. Then email with the charge that was authorized by me. And a screen shot of the charges from my bank. Final note, I was never notified about the first charge otherwise I would have never made that payment on XX/XX/2023.
Product: Prepaid card

XXXX XXXX - I noted my card was suspended. 
XXXX - I called InComm customer service and they informed that my account was suspended due to security reasons. They created case # XXXX. 
XX/XX/XXXX - InComm contacted me via email informing that they will have to close my account due to security reasons. They asked me to provide them a utility bill for address verification purposes and once verification is done they will provide a refund check. 
XX/XX/XXXX - I replied to their email ( documents sent to chdocuments@incomm.com via email as advised ) and provided information requested. Received an automatic receipt email. No further response. 
XX/XX/XXXX - I inquired regarding the status of my case via email. No response. 
XX/XX/XXXX - I called InComm and they told me they did not receive my documents ( despite I have received automatic receipt email ). They asked me to send again. 
XX/XX/XXXX - I called InComm and they once again told me they did not receive my documents. They asked me to send documents to consumed@incomm.com instead. No update so far. 

It has been over 45 days since I first attempted to resolve this issue with InComm. Unfortunately, due to their disorganization and mismanagement ( I receive automatic receipts from their email, yet they continue to claim they haven't received my documents ), no progress has been made. This delay far exceeds the 30-day resolution period they initially promised.
Product: Debt collection

FCO has repeatedly called me -- literally everyday even on the weekends about a debt that is not mine. They have also reported negatively on my credit report stating that I owe {$3300.00} for an apartment in XXXX XXXX, California. I do not now nor have I ever live in XXXX. In my entire life I have only lived in XXXX as an adolescent, XXXX XXXX while in college and XXXX as an adult. I do not owe this debt and this false reporting is deeply effecting my life. I have also requested information regarding what the debt is for in detail and this information has not been furnished to me.
Product: Debt collection

I trust this letter finds you ready to address a matter of significant urgency concerning the integrity of my credit report. However, given the gravity of the situation, trust and patience are virtues I can no longer afford. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I recently obtained a copy of my credit report and was appalled to discover the presence of blatantly fraudulent accounts that have maliciously marred my financial standing. The accounts in question, detailed below, are utterly fictitious and were not initiated or authorized by me : XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

Let me be unequivocally clear : I did not open, request, or participate in any financial dealings with the aforementioned creditor. These entries are the result of a malicious act that has compromised my identity and wreaked havoc on my financial reputation. 

I demand an immediate and exhaustive investigation into this matter, and I insist that you take swift and decisive action to purge these fraudulent accounts from my credit report with immediate effect. The impact of these spurious entries on my creditworthiness is not only a gross violation of my financial standing but also an egregious affront to the principles of fairness and accuracy that should define the credit reporting system. 

I expect nothing short of an aggressive pursuit of the truth and an unwavering commitment to rectifying this grave error. The clock is ticking, and the longer these fictitious accounts persist on my credit report, the greater the damage to my financial credibility and the more severe the consequences for those responsible. 

I demand a written response within 15 days outlining the steps being taken to rectify this situation, as well as a detailed plan for the swift removal of these fraudulent accounts. Failure to meet this deadline will leave me with no choice but to pursue legal remedies available to me under the Fair Credit Reporting Act ( FCRA ). 

This is not a plea for your assistance ; it is a demand for the immediate restoration of justice and accuracy to my credit report. I trust that you comprehend the urgency and severity of this matter and will act accordingly. 

I await your prompt and decisive response.
Product: Mortgage

Below is the email I sent explaining my issue with Truist : In addition to the issue explained below, I received a tax form from them, which listed over $ XXXX in principal due, which is incorrect. 

I believe this institution is predatory - looking to deceive old and minority customers with practices described below. Not to mention the previous issue we had around them trying to convince us to select 'interest only ' repayment when we opted for 'fixed ' repayment. 'Interest only ' repayment would have made this loan unaffordable and likely lead to us losing our property. I believe they made this recommendation to do exactly this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since I began my banking relationship with Truist, Ive experienced nothing but issues. 

The latest issue is around how payments on my HELOC have been/ are being applied. 

If you look below, you will see that we should be on a fixed repayment schedule - 30 year term with monthly payment of {$970.00} to be applied to both principal and interest. 

Whats actually happening is not this and I need answers ASAP. I tried engaging XXXX  and XXXX copied on this email but still feel as if Im getting the run around as no solution has been reached. 

For XXXX - XXXX, I owed a balance of {$72.00} for interest accrued. I made this payment. 

For XXXX there was no payment due on the account, but I remitted {$970.00} in XXXX, which was applied to principal and interest ( ~ {$700.00} to principal and ~ {$200.00} to interest ). Unclear for what month this payment shouldve been applied to but if no payment was due in XXXX, this shouldve been applied to XXXX. 

My XXXX through XXXX payments were applied to interest only- all {$970.00} applied to interest. 

My XXXX payment was applied to principal and interest but this time ~ {$800.00} to interest and ~ {$150.00} to principal. ( Reverse of how my payment made in XXXX was applied ) This is very inconsistent and not what Id expect for a fixed repayment schedule. 

XXXX XXXX XXXX XXXX XXXX XXXX Email referencing in note above ) On XX/XX/XXXX, at XXXX XXXX wrote : XXXX, good morning. I am happy to share that your HELOC has officially been locked with the following terms : Loan amount {$180000.00} Rate 4.75 % Term 360 months ( 30 years ) Monthly payment {$970.00} XXXX, as of today your HELOC has accrued interest of {$72.00} which needs to be paid today, as well as a 1 time rate lock fee of {$15.00}. With your authorization, I will debit your checking account in the amount of $ XXXXand that will conclude this process. 



Thanks again XXXX and have a wonderful day. 

XXXX XXXX XXXX / Vice President
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my account with XXXX and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX is reporting on all 3 major credit bureaus.
Product: Credit card or prepaid card

I had XXXX $ deposited into my usbank reliacard account from unemployment benefits yesterday then all of sudden my card was locked ny usbankreliacard I still can't get or use money they won't give me straight answers except verify my identity and I have done that multiple times and different ways and still have it locked I can't pay my rent I'm gon na be homeless I can't eat I haven't had money in weeks and now I get my Money and they do this it's ridiculous my card is locked illegally there's no reason it should be locked
Product: Credit reporting or other personal consumer reports

I was a victim of IDENTY THEFT please remove all my old addresses from my credit report I want to prevent any future identity theft problems I have been living in XXXX  for the past XXXX  years. The addresses I need removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, and as a result, I have been involved in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance do not belong to me, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you addressed this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX 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: Vehicle loan or lease

I am having trouble with Herbies Auto Sales. We purchased a vehicle in 2014, to find out that it is not a purchase but a lease. They charged us for a 24month/XXXX warenty and the vehicle had XXXX miles on it. Their is a law suit against these people already for the time frame we received our vehicle. I need to know who to contact in this regards. They are also charging us almost double the amount that we were told.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative twice @ XXXX. Once in XX/XX/XXXX and again XX/XX/XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in  XXXX. I then also mailed validation letters on XX/XX/XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX I received an email that a person that isnt me had been added to my XXXX account. Within 3 minutes later I had 5 {$100.00} charges made on that account. 

I called Chase on the number on the back of my card within minutes and explained the situation. 

The charges were removed and the card cancelled, then a replacement was sent. Problem solved, or so I thought. 

I checked my statement a month later and the charges were added back to my account. 

Despite dozens of phone calls and visits to the branch showing printouts of the account emails I received Chase has not resolved this in any way. The disputes contact I have no longer answers or returns calls, and Im still stuck with {$500.00} in fraudulent charges on my credit card statement. 

The account that was hacked had not be used by me in weeks, and never once in the lifetime of the account had I EVER purchased any sort of add-on or made any purchase at all. I immediately canceled the account with XXXX so as not to risk anything further. 

Despite producing the evidence to Chase and calling them within minutes to file the dispute I am now almost 4 months later STILL trying to get my money back that was stolen from me.
Product: Student loan

Requested a Refund on XX/XX/2022 from Aidvantage for payments made during COVID. At which time i was told it would take 4-6 weeks to process and would be repaid the same way it was made and confirmed it was still the same bank account on file. 
XX/XX/2022 Called for an update and was told 6-8 weeks. The approval date was on XX/XX/2022. 
XX/XX/2022 XXXX Called for a update had to look for my loan request was now told 8-12 weeks for ACH direct deposit and 10-14 weeks for check. Then i was told request was put in for a check and there was nothing they could do. 
XX/XX/2022 XXXX called back talked to another representative who also had a hard time finding my request. She stated it was still processing on there end and that she could put a note for request via ACH still.

Currently almost 9 weeks in today and no updated balance since the initial 4-6 week window i was told, initial request was put in on XX/XX/2022. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion Personal Information : XXXX : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous XXXX XXXX es ) : XXXX XXXX AV XXXX, XXXX XXXXXXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX