23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Fraudulent Credit Card Charge by Attorney Unauthorized Transaction Affecting My Credit Date : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone Number : ( XXXX ) XXXX Credit Card Issuer : XXXX XXXX Credit Card Account Number : ending in XXXX Complaint Details : I am writing to file a formal complaint regarding a fraudulent and unauthorized charge made to my credit card by an attorney. The charge was not signed or authorized by me, and I have never consented to or engaged in any transaction with this attorney that would justify such a charge. 

Here are the relevant details : Name of Attorney : XXXX XXXXr Date of Charge : XX/XX/year> Amount Charged : {$800.00} Actions Taken : XXXX. Upon discovering this fraudulent charge, I immediately contacted my credit card issuer to dispute the transaction. However, despite my efforts, the charge has negatively impacted my credit report. 
XXXX. I also filed a formal complaint with the Florida XXXX regarding this attorneys misconduct and unauthorized actions, as this falls under unethical behavior and potential fraud. 
XXXX. To date, this issue remains unresolved, and it is unfairly affecting my credit score and financial standing.

Resolution Sought : I am seeking the following resolutions : 1. Immediate removal of the unauthorized charge from my credit card account.

2. Reversal of any negative impact this charge has had on my credit score.

3. Full investigation into the attorneys fraudulent actions by relevant authorities.

Attached are supporting documents, including : Copies of my credit card statement showing the unauthorized charge. 
The Florida XXXX complaint I filed against the attorney. 
Any correspondence between me and my credit card company regarding the dispute. 

Please investigate this matter as soon as possible, as the ongoing credit damage is causing me significant financial harm. 

Thank you for your prompt attention to this matter. 

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

I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD
Product: Credit card or prepaid card

Got about 6 or 7 charges I didn't atheroize and some are in Minnesota I haven't even been there in years so can't believe all this. It totals {$370.00} N my paycheck is only {$430.00} So most my paycheck I can really use for XXXX right now it's from XXXX to take care my dad n we really need money this is been going on over 3 no the n they don't care and tell me they gon na send papers or do this or that n then never do anything can u plz help me it's almost a 2 week pay for me. It's thru XXXX debt card it's only option we get thru XXXX so XXXX for XXXX  is to get ur money direct deposit on this card then sure enof just my luck somehow someone used n spent most my money. Plz help me I need my money back thank you
Product: Bank account or service

Chase indicated to me that they have decided to 'restrict ' my account and told me that I can not access the funds I currently have in the account, which is XXXX. I went into my local branch on XXXX XXXX and had a teller call an account specialist who indicated that my account was restricted ( meaning no money can go in or come out of the account ) and that Chase would be closing my account and sending me a check for my balance. The teller was told this would take XXXX10 days. I went back to the branch today XXXX after XXXX business days as I NEED my money to pay bills which are now late and charging me additional fees. I had another teller/manager call their 'back office ' and then told me that they can not give me my funds until the 'back office ' says it 's OK. I asked how long will that take, as I was told a max of 10 days and she told me they would n't / could n't tell her. I can still see the balance sitting in my account and this is putting me in a DIRE situation. I even have chase credit cards I ca n't pay because their bank wo n't give me MY money. If I were to do this and take XXXX of their money and tell them I 'll give it back to them ... ..'sometime ' ... I 'd be arrested. I do n't see how this is legal or allowed.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX {$560.00}, XXXX XXXX XXXX {$7200.00}, XXXX XXXX  {$1100.00}, XXXX XXXX XXXX  {$3700.00}, XXXX XXXX XXXX XXXX  {$140.00}.
Product: Credit card or prepaid card

I received an offer in the mail form Capital One telling me I was PRE-APPROVED for one of their high interest credit cards. I am trying to rebuild my credit since I have had past problems with medical bills. The Application came with a reservation code and access code, so I thought the offer was legit. 
After applying on-line, I was declined even though the paper said I was PRE-APPROVED and I received a notice that this application LOWERED my credit score that I have been trying hard to improve. 
Not only was this FALSE ADVERTISING and MISLEADING, but it has damaged my credit.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings again Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

THE BUREAUS , INC . 
After having asked for verification of the debt, that was never provided the third party debt collector changed the comment to say that it has been assigned to an attorney. This is a threat of legal action that they can not take or intend to take. This is a clear violation of the fair debt collection practices act, and they must be blocked from further credit reporting immediately and indefinitely. Cease all collection attempts including but not limited to credit reporting. Have a nice day.
Product: Debt collection

On XX/XX/year>, I submitted a formal dispute letter to TransUnion addressing multiple inaccuracies on my credit report, including late payments, unauthorized hard inquiries, account inaccuracies, and unverifiable collection accounts. TransUnion received the dispute on XX/XX/year>, as confirmed by certified mail with return receipt. I explicitly requested that TransUnion verify the disputed items directly with the original creditors, exclude third-party data sources like XXXX, provide detailed documentation, and send all responses via certified mail to my correct address. 

After receiving no response, I sent a 15-day follow-up letter and a final demand letter, both via certified mail with return receipt. Despite these efforts, TransUnion failed to respond to my dispute within the 30-day legally mandated timeframe, which expired on XX/XX/year>, violating FCRA Section 611 ( a ). 

TransUnion has since claimed to have sent investigation results via mail, but I have not received anything within their stated 7-business-day timeframe. Additionally, I discovered that TransUnion has been sending correspondence to an incorrect address where I have never lived, exposing my sensitive information to the risk of identity theft. 

TransUnions mishandling of my dispute and negligence in safeguarding my personal information have caused significant emotional distress, financial harm, and further damage to my creditworthiness due to unresolved inaccuracies. Their continued noncompliance with the FCRA and disregard for my requests have exacerbated the issue.
Product: Money transfer, virtual currency, or money service

The IRS stimulus was sent to my PayPal. I have proof. The first one went fine. The second one- they wont answer me where it is or why its not posted. Ive verified the info for deposit is correct. The money is missing. The people arent in the United States and give no answers. This isnt just happening to me. Its to many.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

JPMorgan Chase Bank , N.A . ( " JPM '' ) has viciously debanked me and is now engaged in a libel campaign against me, all in retaliation for my viral social media posts complaining about JPM 's botched takeover of XX/XX/XXXX in XX/XX/. I have complained about JPM 's debanking in other complaints to the CFPB but the regulators took no action. 

Emboldened by having faced no consequences for their retaliatory de-banking, JPM is now aggressively destroying my reputation. They are reporting non-existent debt as delinquent to the consumer reporting agencies, which has destroyed my credit and increased the cost of borrowing when I can find credit. 

JPM is in direct and intentional violation of the Fair Credit Reporting Act as well as various state laws that protect consumers from abusive megabanks.
Product: Credit card

Apple implied im using a lost card as a reason for a decline, which is illogically incorrect. Clearly systematically something is off with the system algorithmically. Why make the implication versus using critical thinking, outside the normal scope of the narrative?! It not only was embarrassing being declined at the point of sale. It was very offensive to imply im using a lost card, as if im illiterate. I had repeatedly stated im using the brand new card out the box and asked for solutions! I now have to have a replacement card sent that doesnt appear to even have been processed! Which theres NO guarantee would work, or that id be in the same predicament again.
Product: Debt collection

Account : XXXX By FORESTRECVY is an invalid account : There are many discrepancies on my credit report validating my point. 

-Collection account is only listed under XXXX XXXX and XXXX XXXX XXXX shows nothing.

- Company says last active date on Transition was XX/XX/XXXX but XXXX XX/XX/XXXX. 

Information in inaccurate as I was not the one who opened this account.
Product: Mortgage

I have tried to work with my lender and they continue to advise they don't receive documents. These people don't care that you are having a hardship and don't even look at the documents. I even have my counselor helping which he keeps getting ignorant reps who just say they don't get the documents. He spoke to XXXX today, who didnt even take the time to look for the last modification packet that was submitted on XX/XX/2021. Her customer ID was : XXXX
Product: Credit reporting or other personal consumer reports

I have been using DCU for my auto loan since 2014 and been a good customer and i have changed 3 cars and always went with them as my bank. Recently we had a baby delivery and my wife XXXX XXXX XXXX and missed a payment for a month. They have reported 30 days late to all credit bureau and impacting my credit report badly. I did spoke to 2 peoples with their customer department and one of them had promised me that, as part of customer good will, they can support in removing the negative mark ( 30 days late ) from the credit reports. till now, its not been removed. Kindly help me to get this taken care of. my DCU member id and account details are below, DCU Member ID : XXXX Account Number : XXXX
Product: Mortgage

We had contacted our XXXX XXXX  in XXXX and XXXX about making a payment in our trial period. The XXXX XXXX agreed to the payment date ( s ) and amounts. We followed up with XXXX XXXX  multiple times confirming the payment plan. When we made payment as agreed, PHH denied the payment indicating we had not followed the plan and entered foreclosure process. We had multiple, multiple discussions with PHH asking them to review the tapes of the discussion with the XXXX XXXX and they have refused to provide copies of the discussions an to even review the tape. Upon complaining to a " XXXX XXXX XXXX  Manager ( XXXX XXXX ) he said he would follow up and advise. XXXX then called me indicating he had reviewed the tapes and we were correct and he would advise. We also offered a payment plan which would bring the account completely up to date, but we have heard nothing from PHH. They are now ghosting us and not returning calls, etc. We did everything possible to avoid this situation and the original XXXX XXXX agreed to our plan. We are protesting PHH 's actions as thier representative agreed to our plan.
Product: Bank account or service

I have a joint checking account with TD Bank. The other person on the account cashed a check without my authorization. When I called TD Bank I was also told that the other person can take all of the money out and close the joint account without my authorization.
Product: Credit card or prepaid card

I have 3 credit cards with capital One I have made on time payments. In XXXX after making 3 full payments on my credit cards capital one close all of my accounts due to bank error. Captial, one continues to draft accounts after being close and report the accounts as charge and close despite still making payments. I called and was told I can't make changes to my account, and they can't stop payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX indicated an 'alert ' message on one of my credit cards showing my Credit Score had gone down. In reviewing my credit report from XXXX on XX/XX/2018 I noted a report called FNB OMAHA # XXXX with a balance and delinquent charge of {$47.00}. 
I have no idea what this is about nor have I received any information from FNB OMAHA.

This account must belong to someone else or my own account has been hacked. Please help me to resolve this issue. Thanks so much. Let me know what I need to do.
Product: Payday loan, title loan, or personal loan

Intrest rate is too high and I can't keep up with this loan due to pandemic, losing my job and my vehicle is my only source of transportation. This day the interest rate is illegal!
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/2017 with TransUnion. They did not complete the investigation within 30 days and still did not delete some of the items disputed. Under the XX/XX/XXXX rule the items which were two bankruptcies were supposed to come off my report. Not only because of the ruling but also for the fact they have taken over 30 days to complete the investigation. I have previously done investigations and they have taken as long as 60 days and still kept the items on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my EQUIFAX credit report, and I noticed Utilization posted on my credit report on the listed accounts : XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  EQUIFAX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ EQUIFAX ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
EQUIFAX has VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Debt collection

his company keeps sending me letter saying I owe {$100.00}. The Southwest account is XXXX, license plate XXXXXXXX XXXX
Product: Debt collection

Written correspondence received on XX/XX/19 and they followed up with a phone call to me personally and also contacted a family member and disclosed confidential and personal information regarding the debt owed. Spouse passed away on XX/XX/19 and held a XXXX card. When I contacted XXXX about the death I was told by them that I am not personally liable for this debt and if there was an estate the estate would be liable. I told XXXX there was no estate. XXXX has given this account to a company called Estate Information Services, XXXX XXXX XXXX, XXXX, OH XXXX. XXXX # XXXX. They called a family member and disclosed confidential and personal information about the debt. This company said they found the information about the family member from the internet. How did they know who they were talking to -to disclose this information. This company could of verified that there was no probate proceeding by contacting the XXXX XXXX in the county where the decedent lived. They were asking even what the decedent had for vehicles. If they were told there was no estate that should take care of the account. It was embarrassing to have the family member contact me and disclose what personal and confidential information they related to the family member. If there was no estate why harass the family trying to collect this debt from persons not financially liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX XXXX 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 Balance : {$38000.00} XXXX XXXX XXXXXXXX Balance {$46000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX BANK XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : CXXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Portfolio Recovery Associates, LLC is sending notices and tainting my credit history with a fraudulent account. I never opened the account their reporting and I have explained that my ex-wife had opened accounts without my knowledge throughout the marriage and in our divorce in XXXX  she stopped paying them. I didnt come to find out until years later as is this account. Id appreciate it if this account was removed from my information as soon as possible.