23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a missed call from National Credit Services at about XXXX XXXX on XX/XX/19. I returned the call and verified my date of birth but refused to give the last four of my social security number. I asked the rep who they represented and she kept giving me her company 's name. I asked for a supervisor the rep asked me to hold and then came back onto the line to ask me to continue holding. I advised her that wasn't necessary and to please just remove my telephone number. We ended the call. The next morning I received another call. I called back and again verified my date of birth and again refused to confirm my social security number. I asked why I was being called when I requested my number to be removed. The rep asked my why I wanted my number removed. I advised her that it didn't matter why I wanted it removed. I asked if it was documented that I wanted my number removed and she stated that it was. I advised that I would be filing a complaint.
Product: Credit card or prepaid card

On XXXX XXXX I had a direct deposit made into my PNC Smartaccess account. On XX/XX/23 I started noticing unauthorized transactions and withdrawals from my account. I noticed some unauthorized transactions starting XX/XX/23 at XXXX XXXX XXXX Bank at the ATM for the amount of {$200.00} Then here 's a bunch more unauthorized transactions and withdrawals done from my account. 
XX/XX/23 XXXX XXXX. {$31.00} XX/XX/23. XXXX. {$59.00} XX/XX/23 XXXX XXXX {$49.00} XX/XX/23 XXXX XXXX {$120.00} XX/XX/23 XXXX 's. {$100.00} XX/XX/23 XXXX 's. {$31.00} XX/XX/23. XXXX XXXX {$10.00} XX/XX/23. XXXX. {$47.00} XX/XX/23. XXXX. {$400.00}. 

I let my Uncle and his lady friend come to my motel room to takeca shower. My uncle went to the store and I walked to go get something to eat. It wasn't in till later that night when I went to go sign in for class that I noticed my notebook where I keep every single password, account, routing, passcodes and pins etc was missing. I checked my wallet and my debit card was also missing. I have tried telling this to PNC Smartaccess but they aren't listening. They denied my claim because all of the information was correct. Well it would be correct if the individual had all of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun/Progreso Financial -incomplete two year payment history with all 2 credit buraus - date last active is incorrect with XXXX and XXXX
Product: Debt collection

1-On XX/XX/XXXX, I received a debt collection claim from Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX requesting the payment of {$1100.00} in behalf of account number ending in XXXX. 

2-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. 

3-Although Dynamic was supposed to reply, I never receive a reply to my letter of XXXX/XXXX/2013. 

4-On XX/XX/XXXX Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX sent me a new letter requesting me to pay {$670.00} in behalf of the same account ending in XXXX. 

5-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. 

6-Although Dynamic is supposed to reply, I have not received a reply to my letter of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My credit report was pulled by xactus, XXXXXXXX XXXX without permission. Hard inquiry for mortgage on XX/XX/year>. I never applied for a mortgage with this company and never gave them consent to pull my personal credit. Their hard pull adversely affected my XXXX score. A brief review of the internet, revealed that this it is this companys modus operandi. They claim that my husband gave them consent to pull my credit. They should known, that a husband can not give consent to pull his wifes credit report. Under the Fair Credit Reporting Act ( FCRA ), accessing someones credit report requires a permissible purpose, and being married to someone does not qualify as such. Each individual must provide their own consent for their credit report to be accessed
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! 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 I am Attaching identity and proof of address.
Product: Credit reporting

No matter what web site I use they can not pull a credit report or score for me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was, in fact, paid on time. The consumer reporting agencies need to report all my information with complete accuracy following the CFRA law. 

This account ( XXXX XXXX # XXXX ) has not been late on payments I've attached a copy of my report to this complaint on the following dates { XX/XX/year> }. 
I'm now requesting you investigate and provide me with verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

See all attachments.
Product: Credit reporting or other personal consumer reports

I am raising a formal complaint about an unauthorized and inaccurate collection account being reported on my credit report with TransUnion. Despite invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting the debt collector stop all communication, they continue to report this collection to TransUnion. This constitutes ongoing communication and negatively impacts my financial standing. This reporting is also a violation of the Fair Credit Reporting Act ( FCRA ), as the information is inaccurate and remains on my report even after a dispute.
Product: Credit card or prepaid card

Amex reference number : XXXX and XXXX. 

Card were lost and made by unauthorized people. The representative kept saying I gave the account number to someone else when I didnt. She blamed on my parents for using the card but there were miscommunications. My parents did not use my card.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : {$9700.00} XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a heloc, but before application we discuss the requirements for the application. They denied my application based on the debt- ratio percentage even thou such was said will NOT be part of the application and only the credit score which at the moment was XXXX, will be take into account. 
After they denied they told me to apply for a personal loan as to decrease the debt- ratio part out BUT it got denied as well for " many applications '' ... incidentally they created those applications! Damage my credit score and denied a claim based on their own mistakes!
Product: Checking or savings account

" On XX/XX/year>, I deposited an endorsed check for {$3600.00} at a Bank of America branch located at [ Branch Location ]. This check was endorsed by my wife. I am a Gold member with Bank of America, maintaining an average monthly balance of {$30000.00} USD. 
This check is drawn from a well-known, reputable financial institution, significantly reducing the likelihood of non-sufficient funds. Despite this, Bank of America imposed an unreasonable hold until XX/XX/year>, a full seven-day hold. This action directly contradicts the bank 's stated policies regarding the deposit of endorsed checks. 
Bank of America 's stated reason for the hold was, " We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned. '' However, they have refused to provide any specific details about this " information. '' This hold is causing immediate and severe financial harm : My credit score is imminently at risk of damage due to my inability to make timely credit card payments. 
Scheduled payments are being returned unpaid, resulting in penalty fees. 
My account is on the verge of being overdrawn, incurring further fees. 
I specifically chose to deposit this check in person to ensure prompt processing. Bank of America 's failure to release these funds is a direct breach of trust and is causing me significant distress. 
During a phone conversation, I spoke with a supervisor named " XXXX, '' who was unhelpful and rude. He stated, " We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned, '' but he failed to provide any supporting evidence. He also stated, with a dismissive tone, that due to his " many years of experience, '' the check was " likely to be returned. '' This treatment of a loyal customer is unacceptable. 
I have contacted Bank of America multiple times, and they have been uncooperative, refusing to release the hold or provide a valid justification. They have shown a complete disregard for the financial consequences of their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off account with Synchrony Bank that has been reporting a {$0.00} balance since XXXX of XXXX. I have disputed this account with XXXX twice for inaccuracy and the results just come back as verified and accurate. The payment history on this account has changed several times where before it shows I was late XXXX of XXXX then XX/XX/XXXX and after it came back verified and accurate it changed to being late in XX/XX/XXXX and XXXX of XXXX. Also, XXXX reports this account as " Paid in Full/was a charge off ''. This status is what XXXX shows after the investigation of my dispute as of XX/XX/XXXX. As of XX/XX/XXXX XXXX is showing that I missed a payment on this charged off account in XXXX as well as showing a balance of {$440.00} on the Sync/Walmart account.
Product: Checking or savings account

Dear the Consumer Financial Protection Bureau, I am writing to formally file a complaint against TD Bank concerning the unjust investigation of six fraudulent transactions that occurred on XX/XX/2023. Despite providing concrete evidence, I have been informed that my case has been closed, and I have not been properly assisted in resolving the issue. 

To provide context, I was admitted to two different hospitals from XX/XX/2023, to XX/XX/2023. Upon my discharge from the second hospital on XX/XX/2023, I discovered that my TD Bank cards, social security card, ID card, and property were stolen from my former address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Subsequently, six fraudulent transactions were made on XX/XX/2023 ( {$530.00} ), XX/XX/2023 ( {$660.00}, {$300.00}, {$220.00}, {$840.00}, {$97.00} ) from retailers including XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX  XXXX. 

Taking immediate action, I filed a police report on XX/XX/2023, at the XXXX precinct located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. A detective is currently handling my criminal case, underscoring the severity of the situation. 

However, upon receiving a letter from TD Bank 's US headquarters on XX/XX/2023, I was dismayed to learn that the investigation had been closed without a satisfactory resolution. The bank 's explanation, asserting that the transactions were not fraudulent because the thief would not conduct six transactions on different days and that I must know the perpetrator, was both baseless and unfair. It is essential to note that TD Bank had already closed my account and still had not issued me two new cards. 

I firmly believe that TD Bank 's handling of this situation is in violation of the Electronic Fund Transfer Act ( EFTA ) and has egregiously infringed upon my customer rights. 

I am formally requesting the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure TD Bank rectifies these significant errors promptly. I demand that the amounts of {$840.00}, {$660.00}, {$530.00}, {$300.00}, {$220.00}, {$97.00}, fraudulently withdrawn from my account, be permanently credited back without any further delays. Additionally, I expect to be treated with the respect and dignity every customer deserves. 

To substantiate my claim, I have attached four crucial pieces of evidence : 1. A copy of the police report filed on XX/XX/2023, regarding the grand larceny case at my former address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, which occurred on XX/XX/2023, the same day I was XXXX XXXX XXXX XXXX 
2. A picture of the detective 's business card from the 26th precinct located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
3. A copy of TD Banks statement on XX/XX/2023, reflecting the same address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, where the crime occurred. 
4. A copy of the discharge papers from the second hospital. 

Thank you for your prompt attention to this urgent matter. I am hopeful that with the assistance of CFPB, this issue will be resolved satisfactorily. 

Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I was XXXX XXXX from the military and going through a divorce. With my finances changing drastically, I contacted Wells Fargo about modifying/refinancing my mortgage but they said no. I did not start falling behind on payments until a year later and again I tried to see if there was someway they could help my situation and again I was denied. Soon after, they sent a notice of foreclosure. Trying to avoid this, I thought I was getting assistance from a company that helped with foreclosures but they turned out to be a scam and took {$2000.00} from me. In XXXX Wells Fargo foreclosed my home. I suffered with XXXX and anxiety and my kids also suffered. I recently called to see if I was owed anything from the class action lawsuit and was told if I'm not contacted by XXXX, to call back. Wells Fargo has no correct contact information for me and did not ask for it. The representative said " don't worry, Wells Fargo will find your info ''.
Product: Debt collection

XXXX keeps contacting me regarding a debt thats not mine, or that I have no acknowledgment of the creation of the account.
Product: Debt collection

I keep contacting Montery Financial that I have reopened a chapter XXXX XXXX. 
I keep getting bills when I have sent them the court order and they fail to resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and seen an unauthorized inquiry from XXXX XXXX I contacted the company several times as well as sent a letter through fax to see who pulled the report. All attempts to contact a representative or manager have gone ignored. There is a hard inquiry from this company that is causing harm to my credit report. This is a violation of federal law and my rights according to the FCRA. I would like the inquiry removed from my report immediatley.
Product: Student loan

I have private loans from XXXX that were originally from sallie Mae, now navient services them. I am in a repayment program that I have to keep renewing every 6 months or they increase my monthly payment even more. Every time I renew the program the amount goes up. 

I ask them to lower the payment, they say they can not. 

Is there any assistance with these loans seeing as they were for XXXX who was found fraudulent for pressuring students into signing loans.
Product: Credit card or prepaid card

Transaction made at XXXX, XX/XX/XXXX, for {$55.00} with my Capital One Account. I contacted Capital One before transaction as to how this was to be charged to my account, and was informed it was a transaction with a fee since it was cash going to an inmate. When I received that statement it showed a fee of {$5.00}, but also a Cash Advance balance, subject to interest rate of {$16.00} and Interest Charge of {$0.00}. This was not explained to me before the transaction. I was told the charge to cash Advance was a mistake, and would be removed. The following month it was still on my statement. I called again and again informed it would be removed. 
I made the mistake of not checking my statement each month, just making sure I made my credit card payment each month. ( I was having illness issues ). 
Fast forward to XX/XX/XXXX, I decided to read my complete statement, and that is when I realized this charge was never removed and had increased to {$210.00}. This was on a {$55.00} transaction 6 years ago. ( I realize I should have been more observant ). 
I contacted Capital One to discuss this and asked them to remove this charge based on my earlier contact with the company. I was informed it could not be done. I was then told the only was to handle this is when I make the minimum payment to pay an additional amount, and it would be applied to this CASH ADVANCE balance. If I had been informed of this from the beginning I could have paid the {$55.00} amount the next payment due date. 
I tried to work out and arrangement with a supervisor ( XXXX, Employee # XXXX ). I asked since I had been a very good customer almost 20 yrs, could they eliminate this charge or that I could pay half of this charge? He repeatedly cited the section " How to Calculate the Interest Charges ''. This section does not refer to when a transaction is charged as cash advance. I was not informed correctly from the beginning. If I did not get the info in writing I should not have trusted them. I would like this to be corrected so no one else has to suffer. THANK YOU
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act s
ection 611.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my redit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) - ( B ), as highlights in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and these accounts were not authorized by me. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit file. 
Fraudulent Accounts XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On AXX/XX/2021, I sold about {$4500.00} of cryptocurrency on the Binance.US exchange for USD expecting a correction in the market. My cryptocurrency was transferred from my wallet onto the exchange after I received level 2 verification on XX/XX/2021. The next day I tried to buy back some of the cryptocurrency. The exchange informed me I had to accept a custodial agreement with Prime Trust in order to continue trading. After accepting the agreement, my account was placed under advanced verification. I had already been accepted for level 2 verification a month earlier. There was no reason or explanation given other than the account was under review. I submitted a ticket request and was told to wait up to 15 days. I received a response that was not helpful saying there was no request for fiat verification and they asked if I could let them know if I couldnt apply for it. I told them I cant do anything on my account. I just want my funds ( {$6300.00} ) released so I can continue trading. Im not trying to withdraw or transfer USD so I dont understand the reason my funds have been locked for more than two weeks. Please have them rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : 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