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

Originally, in XX/XX/XXXX I have opened saving and investment accounts in XXXX XXXX XXXX  which is a former body before merging with Fifth Third bank. 
As I wanted to close the accounts, I asked the Fifth Third bank what I should do to close on XX/XX/XXXX. 
Then the customer service of the bank told me that I should make a phone call to a customer service professional of the bank and they could not give any information on my account through email due to their security reason. 
As the bank told, I called at their customer service professional on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX during the business hours. 
Because the phone was cut off automatically after 20 min every time, I can not talk with the bank stuff enough to solve this problem. And the stuff said that he could not search the old accounts of XXXX XXXX XXXX  at customer service. I'm at loss for this situation. 
They have not given any information through email with their security reason. I don't know whether my accounts of XXXX XXXX XXXX  belong to the Fifth Third bank and what kind of situation is my account. 
Also, I searched my accounts in Unclaimed Money website, but nothing matched. 
I want to know what I should do to close my accounts of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Thanks. 
Experian : XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have one late payment that was reported to the bureau in XX/XX/2016 that i am begging to be removed, besides that one late payment that was sent out to the Bureaus Ive been on time since, I told them the reason I couldnt make the payment on time. Told them I was having financial hardship at the time after my grandpa passed and i lost my job ... I had already contacted capital one with a goodwill letter and they werent willing to change the status nor help me.
Product: Checking or savings account

I was offered a money market account for XXXX months at XXXX  % at Key Bank. The monthly interest that the bank paid me kept declining every month. I asked for an explanation and was told that the bank would need to do an " exhaustive '' investigation to determine what happened to the missing funds. When I demanded resolution after one year of phone calls from my XXXX XXXXXXXX XXXX, she said that I was " made whole '' by the addition of a paltry sum. That is a gross miscalculation in the banks favor. Her final phone call resolution stated that the problem stemmed from not having opened the account with " new money ''. My contract does not stipulate new money, nor did the bank XXXX, XXXX, ask for new money. XXXX simply transferred funds from one account to another. XXXX is no longer with the bank. 

XXXX 's last call also stated that she had resolved my charge of discrimination ( I never made such accusation ) and that the problem occurred from failing to fund the money market account with new money. She refuses to send me anything in writing about her " exhaustive, stem to stern '' investigation. I never said anything other than, " where's my missing interest money? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX check, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount $ XXXX account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunuon continue reporting fraudulent info.When complaint is filled Transunion backs off and reports payment current, a month after again Transunion reports late payments.
Product: Credit reporting or other personal consumer reports

I received an email from Credit Karma that my email address was changed. It has been years that I even used Credit Karma and to receive an email from them that my email address was changed made me concerned. I wondered if the email was a scam because it was signed as " Cheers, Credit Karma Team ''. For something involving personal information and a company to end a letter with " cheers '' is highly unprofessional and too casual for business communications. 

I went to the credit karma site and tried to log in and it said I had no account with my email. They have no clear means of contacting them, but did see an online chat which I used. 
I explained the situation and they provided me with an email I have never seen before who my account was changed to. They said they would put a block on it and i would be hearing from them within the next 5 min in an email or phone call. This did not happen. 

What worries me is possible identity fraud and I'm checking everything carefully. 

Also, credit karma is owned by XXXX which also has XXXX, and other companies that handle people 's personal info and I'm concerned that there is a possible breach that will affect millions of people. I hope your organization can investigate and intervene as soon as possible to prevent further problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I am submitting this claim against CAPITAL ONE Buy Power MasterCard for incorrectly reporting my payment history ( for the month of  XXXX XXXX ) to all credit bureaus. The error occurred around or between XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Being that I have NEVER made a late payment to any of my credit card companies, I enrolled and linked all of my credit cards to my online-checking account to ensure that my credit cards will be paid BEFORE the due dates. Around the month of XXXX XXXX, I remember receiving an email notification informing me that my one of my payments did NOT post to my account on the due date. I immediately called Capital One 's customer service phone number to see what the issue was. Upon reaching a service associate, I explained to him that I had an active, auto-checking account linked to my credit card and asked why was n't the payment deducted from my account in time? The associate explained that there might have been a glitch/error in the payment system, so he waived the late fee for me and told me that it will not count against me. 

Fast forward to the present, XXXX XXXX, XXXX as I am checking my credit score and report, I noticed that my score was significantly impacted by a " late payment '' in XXXX of XXXX. I immediately picked up the phone and called Capital One 's XXXX XXXX XXXX Customer Service ( XXXX ) XXXX at XXXX ( Florida time ) on XXXX XXXX and asked to speak to a supervisor regarding the descrepancy. I spent a whole 59 minutes ( XXXX ) on the phone with the associate and supervisor asserting the error in the system leading to the inaccurate reporting of a " late payment '' to the credit bureaus impacting my score. Upon the supervisor ( I dont recall his name ) putting me on hold and thoroughly investigating the issue, he later return back and agreed with me. The Customer service 's supervisor for capital one 's Buy power credit card conceded that between the months of ( XXXX XXXX XXXX ), there had been a widespread issue of Capital One 's online payment system that lead to delayed/and or rejected online payments. The supervisor apologized and as a courtesy, offered to correct the inaccurate " late payment '' reporting to all credit bureaus effective XXXX XXXX, XXXX. 

I wanted to share this issue and unfair reporting to the Consumer Financial Protection Bureau to share how detrimental of an impact that this inaccurate late payment reporting has affected my life and credit score.  My credit score at one point was EXCELLENT at XXXX, but since then has plummeted. I had made plans to get a mortgage loan the beginning of XXXX, which is why I am meticulous of my credit history, especially on-time payment history. Although capital one 's supervisor has agreed to correct this issue, I would like for the Consumer Financial Protection Bureau to ensure that this issue is fixed and that my on-time payment history and credit score is corrected. I Thank you for your time and look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

I have reached out to the company about the inaccuracies that are being reported on my consumer file with XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax on XXXX, XX/XX/XXXX The following account XXXX XXXX XXXX account XXXX XXXX with a balance of {$800.00} on my XXXX file. The original creditor is XXXX XXXX. This account is reported as a debt buyer with a last active date of XX/XX/XXXX. 

The following account XXXX  with account # XXXX with a balance of {$800.00} on my XXXX file. The original creditor is XXXX XXXX. This account is being reported as an open account with a last active date of XX/XX/XXXX. 

The following account XXXX XXXX XXXX with account # XXXX with a balance of {$800.00} on my Equifax file. The original creditor is XXXX XXXX. This account is being reported as an open account with a last active date of XX/XX/XXXX. 

This indicates inaccurate reporting which is in violation to the USC 1681 which states that I have the right to accuracy and fairness.
Product: Student loan

I had some private student loan with XXXX and then XXXX transferred all of my student loan to a company that is called AES. I contacted AES to explain to them that i had just had a new baby and I am not paying that much money to be able to take care of XXXX kids and myself and still pay over XXXX a month. I have even asked if i can do something to lower my payment, like how i am XXXX and i just keep getting told that they cant do anything for me and if i dont pay my bill then they will report it to my credit report. I feel as if they would like for me to be homeless with my XXXX children inorder for me to be able to pay my monthly payment.
Product: Debt collection

A third party " XXXX XXXX '' rep XXXX XXXX keeps calling previous employer even thought Ive asked him to stop that I do not work at that office. He called again and told the XXXX he has papers to serve me for debt collections and needed to reach me. The XXXX sent call to me and I told him again to stop calling that office he still argued and would not listen. I then called National Recovery Agency and he also said he wasnt going to tell them to stop calling the employer and wouldnt give me any information on the debt and was laughing
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX specialized loan reported that I was 30 days late on my mortgage to all 3 bureaus. This is incorrect I have documents from them showing I was not late for 2 years. This made my credit score drop 59 points and I am unable to co-sign on a loan because of this drop. This is false reporting and Hindering to my family. I called specialized loan and they can not do anything and dont know how long this would take. I need this done ASAP!
Product: Debt collection

We were reached out to by XXXX via mail indicating we had an amount due for XXXX XXXX solutions charges. I was suspicious at first of that communication since we had received a similar request from XXXX via phone and when that was looked into, it was flagged as a fraudulent request. 

I called XXXX and was able to straighten out what the charge was for and settled that payment with them. We paid {$190.00} to XXXX and received confirmation of payment A little while later, maybe a week or so, we received a phone call from Synter Resource Group. It was a recorded message indicating that we owed {$190.00} for XXXX. I reached out via email to let them know that we had paid it already. Confirmation of payment was requested and the receipt from XXXX was sent as that confirmation. 

Then, about a week later again, we received a letter in the mail requesting, again, the {$190.00}. 

Looking into Synter Resource Group, it seems as though we are not the only folks who have had interactions with them that have been flagged as suspicious if not fraudulent.
Product: Debt collection

On XX/XX/2021 I received a text alert informing me of a collection account in the amount of {$380.00} that appeared on my credit report. Upon viewing my credit report, Jefferson Capital Systems reported a delinquent account for XXXX XXXX. 

I NEVER received a letter from Jefferson Capital Systems nor have I received any telephone calls regarding this account. 

My mobile phone carrier has been XXXX XXXX for over three years. I have never received any communication from XXXX XXXX and I've had the same mailing address for over 12 years. 

I have Informed Delivery from the USPS.com and I am happy to provide records of my mail that has been delivered. There has been absolutely nothing from XXXX XXXX or Jefferson Capital Systems.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear Sir, I have closed my Individual Chase Credit Card on XX/XX/2018 and also communicated to chase that there should not be any more transactions or any kind of activity on my closed individual chase credit card. I am only responsible to pay the monthly payment for remaining balance. Chase also responded to CFPB that Individual Chase Credit Card has been closed on XX/XX/2018. Surprisingly, I am keeping receiving messages from chase that making changes to closed credit card benefits, which does not make any sense and also unlawful/fraud allowing any kind of benefits or changes to closed credit card. I have only used this card for one balance transfer and I never ever used this card for any other benefits ( any kind of insurance or coverage ). I will be filing official complaint at concerned courts and law enforcement if Chase allows any kind of changes or manipulation to my closed credit card. Chase credit card has been closed dated XX/XX/2018 and there should not be any more further transactions or any kind of activity on this card. If someone used any of the benefits using this individual credit card, it comes under misrepresentation and unlawful activity. I am the only one resident and lease holder of my address and there is noone else associated to my address or social. Could CFPB direct Chase Credit card to issue me a letter that my card has been closed effective from XX/XX/2018 and there are no transactions or no fraud or no unlawful activity or no misrepresentation by anybody or noone used any kind of benefits using my individual credit card.
Product: Mortgage

First of all, I am always anxious about writing Select Portfolio Servicing because the response to any conversation or letter I send is for Select Porfolio Servicing to then send unwarranted letters of default and/or foreclosure. 
I today XX/XX/XXXX, spoke with the Refund Revenue department in XXXX and the representative did find my payment that was made for my XXXX taxes and the duplicate payment made by Select Portfolio Services by check. He also said no one called to be refunded for the Select Portfolio Services double payment made. He explained that if anyone attempted to be refunded they would have to go through his department, ( Refund Revenue department ), and fill out a petition for refund form called General Petition for Refund Petition XXXX. Since Select Portfolio Servicing did not previously request a refund for their duplicate payment in a timely fashion, after it was made ; it may have gone past the statue of limitations and then have to have the matter reviewed by the Tax Review Board. The first step that Select Portfolio Servicing should have taken was not to penalize me and force me to pay, but contact the Refund Revenue department and fill out the appropriate forms. I will attach the link below and a copy of the form if possible. The contact for the department of Refund for Revenue is XXXX. The contact for the Tax Review Board, if the refund is at first denied because of statue of limitations is XXXX. I was told by the representative at the Refund Revenue department that Select Portfolio Servicing should have requested the refund by XXXX XXXX. I have been documenting my telling Select Portfolio Servicing Inc. to do this very thing on numerous filed complaints to CFPB, conversations, and calls to Select Portfolio Servicing since Select Portfolio Servicing started their initial penalizing me and charging me in XXXX. The representative also stated that Select Portfolio Servicing has to show proof of the payment/check and if Select Portfolio Servicing wanted me to collect the refund, Select Portfolio Servicing would have to send a letter on company letter head to the Refund Revenue department instructing them to do so. This was also suggested by myself and 100 % ignored followed by an initial penalty. I will check back with the Refund Review department to see if the steps are taken by Select Portfolio Servicing to correctly retreive the duplicate payment made on my taxes for XXXX. I also look forward to any and all reinbursement of previous penalty payments made to Select Portfolio Servicing Inc . Please XXXX : General Refund Petition XXXX and select Refund of city taxes or call the offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update the suspicious information. I think you have not validated these accounts This was already included in my prior COMPLAINT, and I'm including it again. 

Here are the accounts that need verification : XXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have been a victim of identity theft, which has led to multiple fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am demanding immediate action to correct this serious issue. 

ACCOUNTS [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX  XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] INQUIRIES [ XXXX XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I now require the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

These inquiries are not related to me, and I have no association with the creditors mentioned.
Product: Checking or savings account

Ok let me try this one more time {$1200.00} is missing from my account I got a letter back from my first complaint which was not even correct anyways. Wells Fargo only read what they wanted to read. From XX/XX/XXXX to XX/XX/XXXX I deposited a lot of money cash except XXXX which was a check. I understand why the check for {$1500.00} dollars had a hold on it thats not my complaint. My complaint is when the hold was lifted on XX/XX/XXXX the remaining {$1200.00} was no longer there .i deposited plenty of cash in my account that month I also no I spent a lot of money and I also know what charges came along with it. I dont need the obvious pointed out to me what I need to find out is where did {$1200.00} dollars go between XX/XX/XXXX and XX/XX/XXXX and thats it thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I faxexd over my request for dispute with Equifax for the following accounts, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. As of today 's date, XX/XX/XXXX, I have yet to receive any correspondence from them in regard to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond in 30 days!
Product: Mortgage

I have an HAMP loan wit XXXX XXXX XXXX which was sent to Nationstar Mortgage. The Hamp loan was for 2 %, 3 % and mature at 4 % in the fourth year. While completing the fourth year the Mortgage company said they are raising the mortgage interest from 4 % - 4.625 % and there are no end in sight. I applied re-modification and they said because I was on time in my payment and not in default they can not help me. I also include a divorce decree where the court request I remove my spouse name on the mortgage, they will not do it. I try to refinance with them and the said no because the property is still under water. I have no where else to go and need help. The new mortgage payment is more that 55 % of my net income and can not continue to afford it. I want to keep my home and now they hold me hostage because I have no where else to go. No mortgage refinancing company will touch me because the property is underwater. I want a permanent interest rate and not floating. Please help me. The following information is necessary Mortgage XXXX Nationstar Mortgage My name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX