23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I notified regions bank of multiple fraud charges on my account and they denied them stating that too much time had passed since the charge took place. I have been told that there is no time limit to report fraud charges on my account. below are the charges and dates that I reported to regions bank on my credit card. 

date merchant amount XX/XX/2016 XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXXXXXX XX/XX/2016 XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XXXX I do not have a letter from them about this because even though they said they sent one out, I never received it in the mail. I believe them denying my claim is against the regulations set in the fair credit act and they have clearly and knowingly broken the rules and regulations set in order to avoid refunding my fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate information The Credit Bureaus NEVER Did Proper Investigation according to the FCRA The term investigation consumer report means a consumer report or thereof in which information on on a consumers character, general reputation on, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information on.

They did not do this.

Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!!

The credit bureaus stated this account was properly inves : gated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL!!

They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer repor : ng agency can not furnish an account without my written instructions on.

I myself did not given anyone consent
Product: Checking or savings account

XXXX believe closer to XXXX  as near the holidays Key Bank XXXX XXXX  location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX blocked my account. I had a checking and a line of credit. I paid my line of credit monthly as to not receive fees. I incurred fees after a visit at the same location to have a document notorized for a complaint. Questions were asked as to the reasons for notary needed. Typical as have had notary done prior. After personal facts disclosure on the need for notary then harassment started. I incurred fees that customer service refused to reverse after I paid account same day. Customer service became verbally abusive towards me on my line of credit references to food usage used possibly under the assumption I receive food stamps. I do not have food stamps. Not their personal condition to enforce at the business anyways. I gained the line of credit under no false pretenses and withdrew cash only. Allowed at the bank. My account was blocked after. The bank wouldn't even let me take my money out. The bank in XXXX same bank all facts above pertaining to issued me a check of the amount left after my account was settled. I visited the XXXX Police Department whom refused a written report. He did listen but that was it. XXXX I received a debt collection letter from XXXX claiming I owed {$730.00}. I wrote a letter of request for debt validation. None received. It was never placed on my report. No contact at all regarding debt many years. I knew nothing owed as after the bank initiated a closure block on my account a check was issued to me after account settled in full from Key Bank XXXX location same bank that initiated all the harassment after notary. Appears possibly the bank has fraudulent activities internally on how handled and other facts of harassment and abuse after a notary request where private facts were disclosed. XXXX a letter came in from Key Bank at XXXX XXXX XXXX XXXX Ohio XXXX. Letter signed XXXX XXXX XXXX XXXX XXXX. Letter stated statue of limitations over to sue but this year I may receive a 1099 C regarding cancelation of debt. XXXX I mailed this branch a debt validation letter certified. I received again no reply at all or validation. I also sent an email to corporate. No reply. I did receive a 1099 C of debt cancelation. I am aware I can dispute at the bank however illegal activities and mistreated took place with no replies after that a complaint is needed. Failing to prove debt validation at any point plus coming back several years later again no reply.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ACCURACY OF MY CREDIT REPORT IS UMATCHED. I AM CONTACTING THE ORIGINAL CREDITORS THAT ARE RESPONSIBLE FOR REPORTING INVLAID INFORMATION. ALL ACCOUNTS, DATES, AMOUNTS ARE LISTED IN THE FILES. PLEASE REVIEW AND REMOVE THE LISTED ITEMS IMMEIDIATELY
Product: Money transfer, virtual currency, or money service

I met this guy on XXXX XXXX, his name on XXXX was XXXX XXXX and had quite trustworthy profile. He had previously shipped an item through XXXX and had around XXXX seller reveiws. He seemed like a mature guy and had a wife and XXXX kids. He was selling XXXX XXXX XXXX. I was looking for such a phone so I ordered it through XXXX XXXX. He reached out to me when we negotiated on the price and asked me to cancel the order because if I placed the order through XXXX, they will make him wait to receive the money. He then asked me to transfer the money through Zelle to his account after which he will send me the XXXX. He gave me his Zelle address which was XXXX where his name appeared to be XXXX and I transferred him {$450.00} under the confirmation number XXXX. He said his brother also has XXXX in his name but they both prefer XXXX. He said he will send the phone and created a shipping label and sent me pictures of the phone in the box. He told me he will send it through USPS and provided me with the tracking number. He also told me to expect the phone by Wednesday the XXXX XXXX XXXX. I often checked the tracking number on USPS website but it always said label created USPS awaiting item. I got worried around Monday as he could create a label from anywhere. I texted him and asked to check the status of the shipping to which he responded that he would once he reaches back home but he never did. I texted him again after a while and he did not read the message. I tried to go to his profile but at this point when I clicked on his account a page popped up which said content not available. He either blocked me or deactivated his account, since he got the money. I am a student and absolutely can not afford to lose {$450.00} like that. I tried talking to my bank but they said they can not do anything regarding scams. He initially gave me a number too just to gain my trust. This is the number he provided XXXX, I tried calling this number but he won't answer.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX Account Number : XXXX Date of Opening : XXXX XXXX, XXXX  This above account is reporting on my credit profile is fraudulent. I never applied for this account.
Product: Credit reporting or other personal consumer reports

i have hard inquires with XXXX, credit plus, and XXXX XXXX home loan. I havent been able to open new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote a letter to Equifax in XXXX Georgia requesting my credit report on XX/XX/XXXX. I am a XXXX citizen and i have created a USA identity as i do business in United States with an American C corp registered in XXXX XXXX, Nevada in XX/XX/XXXX. So i this wanted a Credit Card from the USA which i received. In receiving my USA credit card i used my XXXX Social Insurance Number and the number of digits is the same as an American SSN number. I called into the Head Office of Equifax requesting my credit report and was told about the situation that XXXX and XXXX have a credit file on me and have used my XXXX SIN  number and that i wanted to see what was on my credit report on Eqiufax as i believed there to be derogatory information, similar to what was on my XXXX Credit report. I wrote them a letter giving all my American EIN numbers, ITIN number XXXX SIN   number, and proof of my XXXX SIN  number which they asked for. Then On XX/XX/XXXX i followed up with them by telephone after receiving a letter from them dated XX/XX/XXXX and in this letter they requested that i provide them with US SSN number, drivers license and other forms of identification. I previously sent them my Bank Statement which shows my US address. Though i have moved from XXXX XXXX to XXXX when i called on XX/XX/XXXX i gave them this information and they still said that the information I provided to them did not match there records. Which is a hint to me that my Name was there correctly and that it is possible that the address they have on file is yes not anything that i gave them, and then conceivable that my credit file was compromised in the XX/XX/XXXX Equifax data breach. And now i am stuck and can not even see my credit report to try to correct any errors or inquire about what my score is. I do not know who to contact to reveal my credit report to me to actually see if in fact this is true. And by not being able to see my credit score and its contents i can not know how to repair the issues or dispute them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Very little was done to notify the public for nearly a month after the breach was detected - I received no email, letter, or phone call and instead had to discover it via social media on XXXX XXXX, 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some XXXX XXXX XXXX XXXX and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem report.
Product: Debt collection

Genesis Credit Management has reported a {$660.00} debt they claim I owe to them.

I have never had any business dealings with Genesis Credit Management.

I have never purchased any goods or service, whether on cash or credit from Genesis Credit Management.
Product: Checking or savings account

I successfully opened an account online with TD Bank in the US on XX/XX/2021. I then successfully deposited over {$5000.00} online over the course of XXXX weeks but a few days later I was unable to login to my account online. When I contacted XXXXXXXX XXXX customer service to unlock my account, I was told that the account has been frozen pending identity verification and that I would need to visit a branch to confirm my identity in-person before they can unfreeze the account. However, due to the pandemic, I am unable to go to the branch as I am taking care of an elderly parent in XXXX where there are XXXX branches for XXXX. I contacted XXXX customer service XXXX times and I was escalated multiple times too but XXXX  is not willing to unfreeze my account. I offered to send multiple identification documents ( passport, SSN card, DL, and bills ) by email or fax to XXXX but all my efforts were rejected. They are also refusing to close my account and refusing to release any funds. This is absolutely an anti-customer approach during a global pandemic and I am very disappointed and regretful for opening this account and depositing thousands of dollars that are now held captive by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because it is affecting my score negatively. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are several items that are reporting inaccurately on my credit file.The following are inaccurate information : Inaccurate Personal Information : Address : XXXX XXXX  XXXX  XXXX Address : XXXX XXXX XXXX The following items are reporting inaccurate lates on the following accounts : XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$230.00} ; I was never 30, 60, 0r 90 days late. 

XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$0.00} ; I was never XXXX or 60 days late. 

XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$0.00} ; I was never 30 or 60 days late The following Public Record does not belong to me. The following Public record is reporting in error : Chapter XXXX Bankruptcy : File XX/XX/XXXX All of the inquiries that is reporting is reporting as unauthorized inquiries. I don't know who tried to access my credit report without my knowledge.
Product: Mortgage

XXXX XXXX has been overcharging on my mortgage. The mortgage should be going down not up. Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, sold the loan to PHH Mortgage XXXX XXXX XXXX XXXX XXXX, NJ XXXX who sold the loan to XXXX  XXXX, c/o PHH Mortgage Service XXXX XXXX XXXX XXXX, NJ XXXX. I went initially bought the loan from XXXX XXXX XXXX. I have a fix rate of 4.87500 %. On my XX/XX/XXXX, my principal balance {$60000.00} ( monthly : principal- {$160.00} ; interest : {$240.00} ; Escrow $ XXXX {$730.00} ). When PHH Mortgage took over, the increased the monthly payments even though there was no changes. On the XX/XX/XXXX, my principal balance is {$56000.00} ( monthly : principal- {$180.00} ; interest : {$220.00} Escrow {$400.00} = {$810.00} ). Currently principal balance is {$52000.00} ( monthly : principal- {$190.00} ; interest : {$210.00} ; Escrow {$410.00} = {$820.00} ). My monthly principal has been increasing when I have a fixed rate. Yes the interest should go down because the principal is lower ( See attachment ). Can you imagine how many people they have robbed and taken away their houses? This is ridiculous!!!
Product: Credit card

XXXX XXXX replied that I have signed the service contract XX/XX/2023. 

I contested that it was a voidable contract to the most : a ) XXXX XXXX never informed me orally that the dentist was out-of-network, b ) nor included in the contract the fact that the fee charged will be {$2800.00} ( {$1800.00} more than I would be charge from an in-network dentist based on a reply from XXXX XXXX in a follow-up inquiry ) , c ) XXXX XXXX misrepresented the service contract for excluding the description of an out-of-network service- and demanded an extra {$1800.00}. 

Barclays Credit Card sided with XXXX XXXX ( Barclays did not admit/accept my argument of the misrepresentation of the service contract presented by XXXX XXXX ) Barclays Bank DE XXXX Case ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called transunion numerous times. They lie and say they never received my ft. Buy when I spoke to a XXXX they told me they do see it. Then they tried to say it wasn't valid. Idk who made them the authority in determining if it was valid. I made a XXXX online which is valid and I have did the XXXX XXXX. I demand these inquiries removed immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Goodleap LLC close case XXXX with a check that cover remove and reinstall the solar panels to the roof correctly That check does not cover all the damage to the roof, I call Goodleap LLC before the check was appove, because the roof have to be inspect for a cost for repair as well, Goodleap LLC have statement about the roof damage, another manager from Goodleap LLC have take over the case, but stop respond to my e-mail and call, They sent me a page to add on to the contract about the cost of the roof after asking for this information over a year 1/2 ago after all of the complaint i have file, i was told by Goodleap LLC there was no roof work done only solar panels
Product: Checking or savings account

Last year I went to the bank with my husband and the Bank manager suggested applying for a line of credit to protect for overdrafts. It was BBVA in XXXX Florida. 
Instead, the manager set up a XXXX fee for each overdrafting, as this was set up the bank took over XXXX from my account in XXXX, and my effort to cover my account and have money to pay my debts went down the drain, with fewer resources I was charged over and over and by today XX/XX/2021 the bank has taken almost XXXX leaving me short to pay my bills. It is so ridiculous that they charge me XXXX to pay XXXX. 
These drafts wont last under balance for more than a day or two, but because I'm XXXX short, it aggravated the issue. 
I made innumerous calls, I wrote complaints and nothing is solved. 
I lose time, I lost money and I need a solution and the bank is taking my time on holds over one hour at each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been illegally re-aging my loan and reporting the wrong amount. They are reporting a {$15000.00} and sent a fake deficiency of surplus letter that says it was dated XX/XX/XXXX however that is NOT correct. The vehicle was sold on XX/XX/XXXX and I have a settlement letter that shows the balance being {$12000.00} including the principal balance of {$8300.00} from XX/XX/XXXX. I have all of my credit reports which they have NEVER stated I owed a balance of {$15000.00} until XX/XX/XXXX where they also changed my loan term from the original 72 months to 77 months. They have also reported a 76 month term to my credit while increasing the balance. They are switching around documents that have been sent to me in order to try and obtain more money while attempting to demolish my credit. They have no explanation on the misc fees they have added on to the original principal balance of {$8300.00}. XXXX as also removed this account 3 times without notification of it being reported back. XXXX also stated my vehicle was repossed for failure to make payments on time and my account was 59 days past due at the time of repossession which is also FALSE! A payment was made in the amount of {$2100.00} onXX/XX/XXXX. The vehicle was in the impound which is where XXXX got the vehicle from. It was never repossed for non payment.
Product: Credit card

Interest on past balance increased 100 % or more. Is this legal? It shouldn't be. When I made the purchases, the interest rate was one rate and then it was doubled on more on these past purchases. It shouldn't be allowed to have an adjustable rate on past purchase. This is usury plain and simple and shouldn't be allowed. It's impossible to pay off these balances now and the credit card companies are not responsive when called to see it the rates can be reduced. They are paying very little to the XXXX  borrow money and yet they can charge me 22 % to 28 % on my balances. A hopeless situation for me and millions of others. When will the government remedy this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT ALL XXXX CREDIT REPORTING COMPANIES LETTERS TO VERIFY THE ACCOUNTS THAT ARE ON MY REPORT. TRANS UNION, XXXX, AND XXXX ARE REPORTING DIFFERENT THINGS ON MY CREDIT REPORT. NONE OF MY PERSONAL INFORMATION IS THE SAME. AGAIN I HAVE NOT RECEIVED A RESPONSE FROM EITHER OF THEM, I THEN SENT A COMPLAINT TO YOUR COMPANY ABOUT THEM AND YOUR COMPANY WHICH IS SUPPOSED TO BE FAIR TO THE CONSUMER THEN INFORMED ME OF THE COMPANY RESPONSE. FIRST, NEITHER OF THE CREDIT REPORTING AGENCIES HAS SENT ME ANY PROOF OF DEBT. I DON`T CARE WHAT A COMPANY SAYS IS MINES I WANT PROOF OF DEBT AND PROOF THAT I APPLIED FOR THE CREDIT THEY ARE REPORTING AS A INQUIRY. I SHOULDN'T HAVE TO GO BACK AND FORWARD WITH THEM ABOUT MAKING SURE THE STUFF THEY REPORT IS ACCURATE. YOUR COMPANY ALREADY KNOWS THE LAW SO I DON`T HAVE TO TELL YOU MY RIGHTS AS A CONSUMER. NOW, I HAVE STATED THE INFORMATION THAT IS BEING REPORTED IS INACCURATE AND FALSE AND I WANT IT DELETED. IF I NEED TO GET A LAWYER INVOLVED I WILL BUT YALL ARE GOING TO DO WHAT'S RIGHT BECAUSE YOU ARE OBLIGATED TO DO SO. THE FOLLOWING ACCOUNTS ARE INACCURATE AND NEED TO BE REMOVED : XXXX XXXX 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 XXXX XXXX, and I am wanting to dispute my account with these letters. I have been sending letters and haven't received a response. Every violation is marked by Metro 2 Guidelines. You are supposed to report Accurate information by Law and Each Letter has each account with its inaccuracies marked by you. send results by mail
Product: Debt collection

I am a victim of identity theft and had a fraud alert placed on my account with the three credit bureau 's respectively. XXXX  XXXX/ Comenity Bank began making harassing phone calls. Then, a strange older XXXX  male whom I did not recognize showed at my residence, stated he had a floral delivery. When I went to open the door to my building and saw that this " alleged floral delivery person '' did not have any flowers in his hand, I became frightened because he began badgering me for my name and immediately began walking away. The strange man then proceeded to follow me down the sidewalk swiftly and was chasing me and threw " something at my back '' and then walked away. There were other pedestrians passing on the sidewalk whom witnessed this and when I looked back to see what he had thrown at my back, it was papers that had my name and social security number on them strewn all over the sidewalk. Pedestrians were walking over the papers and also some looked down at the papers which compromised my security and identity. This was not only illegal, but a HIPAA violation and he misrepresented himself as a floral delivery person.
Product: Mortgage

I have a home loan with chase bank that I had on auto payments. I was un aware that chase bank sold My loan. And I was not aware of the change and was not notified chase sent the payment to XXXX XXXX XXXX for awhile then they sent the payment back to me and I sent it to them and that is way it was late.