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

I established a credit card account with Discover in XX/2016. I suspect a former friend of mine to be the person responsible for making unauthorized fraudulent payments and then making unauthorized charges with 1 of 2 cards I held for this account. I filed a complaint with Discover regarding the fraud that occured on my account, Discovers investigators asked my to sign a form concerning the fraud and if I was willing to press charges against the suspected person, I told Discover that I did not want to press charges against the suspected person because this person had a XXXX year old daughter, and I did n't want the daughter to be put in foster care if charges were brought against the mom. Discover then told me that if I did n't accept responsibility for the unauthorized payments and charges that the account would continue to report on my credit report with all the fraud charges included. Discover then asked me to agree to a verbal agreement to assume all liability for the fraud since I was not willing to press charges against the suspected person responsilble. Discover investigators misinterpreted what I agreed to in that legal disclousure, I only agreed to be responsible for the balance on the card prior to all the fraudulent payments and charges made to the account. I have tried numerous times to dispute this discover account with the credit bureaus, also including a FTC Identity Theft Affidavit that included a police report and was notarized. The credit bureaus " blocked '' the account initially, but Discover continues to have them " unblock '' the account, so until this day the account continues to wreck my credit score, and has ultimately caused me to be declined for employment oppurtunitys because of a low credit score. I have also not been able to establish contract post paid cellular accounts with XXXX XXXX XXXX and XXXX due to a poor credit score.
Product: Credit card or prepaid card

I had two fraudulent charges on my credit card on XX/XX/XXXX : 1 ) XXXX and 2 ) {$3000.00}. Both US $ equivalent as the charges were XXXX XXXX to the XXXX XXXX. I have received a phone call from the credit card company about the attempted charges on XX/XX/XXXX and I told them no I did not authorize those charges. I called back on XX/XX/XXXX to make sure that it is reported as fraud. I received a letter dated XX/XX/XXXX that my claim was denied. I called back the credit card company once I saw my claim denied, on XX/XX/XXXX disputing the charges and followed up on email that the charges are fraudulent. I continued to appeal again and also filed a police report on XX/XX/XXXX as a victim of credit card fraud and identity theft. I had called the credit card company and told them I filed a police report and provided the report number. I also followed up on email. I received a letter dated XXXX that my transactions are valid and my fraud claim is closed. They stated they have researched my claim thoroughly. This is completely false, because there is no reason why I would buy anything from XXXX. I am based in California.
Product: Checking or savings account

I attempted to open an account with First Financial Bank on XX/XX/XXXX. The application and website made it seem as though I could open the account online. I was able to complete the application and was assigned an account number but when I tried to set up online banking I was told that I would need to come into a branch. Since there weren't any branches near me, I called customer service on XXXX and told them that I would no longer be needing the account. The customer service representative ( XXXX XXXX ) said that they needed to wait for the opening deposit {$50.00} to hit my account before they could close it and issue a check. I followed-up on XXXX, XXXX and XXXX, but never received my check. I called customer service again on XXXX and spoke with XXXX XXXX, who said she would take care of closing the account. I also followed-up with her several times : she first told me she mailed the check on XXXX then she told me she mailed it on XXXX and then on XX/XX/XXXX she told me that the check had to be processed in Ohio before being sent to me. I told her I was moving and asked if I could pick up the check at her offices. She just kept telling me to be patient. This bank is giving me the run around. Today, I called customer service again and they told me that I had been charged a {$25.00} account fee but no check had been issued. It has been a month and a half since I started this ordeal and I would like my opneing deposit back since I never received access to this account. They had no right to charge me a fee and they have no right to be holding onto my funds for this long. They advertised the account as online banking and never mentioned you would need to come into a branch until after you fund the account. It is a bait-and-switch operation. I am attaching my correspondence with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX  Account XXXX XXXXXXXX has violated my rights. 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.
Product: Mortgage

I have been trying to refinance my mortgage with XXXX/PHH mortgage. I had been trying to get a payoff amount for my loan since approximately XXXX. They would not release the information despite numerous phone calls. They knew I had a deadline which was the end of XXXX, to finish this transaction. They release the payoff amount in a letter XX/XX/XXXX .... which was a price that was supposed to be good thru middle of XXXX. However, they then turn around on the second of XXXX and report my mortgage as being delinquent because they didnt receive XXXX payment. Now my refi is halted because they are showing delinquent payments. Ive never been delinquent previously and the only reason for this being late, was their refusal to give me a payoff amount. Now they wont return my calls to get this problem corrected.
Product: Debt collection

I higher XXXXXXXX XXXX  to help with my credi and I also hired XXXX  to clean my credit so that I could build a home and go back to school also to get my student loans back in good standings. I have tried to contact this common financial at this number that they finally provided on the web an its not an active number. Not to mention the fact that they had several different social security numbers that were not mine listed on this false account to begin with that they are claiming is mine to start out with. I do not recall ever being at this place and what they provided for XXXX  credit repair either I did not recognize at all. I have tried to get as much information as I could and I still do not know anymore about them nor was I able to get in touch with them at all the information they provided. I am kind of upset with XXXX credit Union bureau as well because I dont think they should have the right to delete the social security numbers either until I was able to get to the bottom of all of this. Also I dropped dramatically in my credit score and didnt see any good reason why I should have or was not giving me any reason why and I would like an explanation for thst also. If you could get to the bottom of this I would greatly appreciate it I have been working so hard for the past year or more on my credit and I dont feel like I have gotten very far at all because they keep dropping me dramatically and I feel like its all about keeping me for the money at this point and just nothing more. I feel just like they have no care about me and put me on the back burner kinda and my stomach is just got this worrying pit day after day because of this. I feel like I will never get right with my credit.
Product: Credit reporting or other personal consumer reports

Upon checking my credit reports I noticed inquiries that were unfamiliar and that I didnt apply for. XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I also have attached a copy of identity theft report
Product: Credit reporting or other personal consumer reports

This account from XXXX XXXX XXXX XXXX  is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which TRANSUNION, XXXX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX, XXXX, 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 has violated my rights. 

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

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance  : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$700.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance  : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I have been with Wells Fargo for 22 years and have never made a complaint however I recently had an unauthorized zelle transaction that debited {$1000.00} that was not available in my checking account and had to be moved out from savings to completed. I did not discuss my account with anyone nor share my account information. Wells Dargo denied my claim saying I authorized it even after I gave the details and recortes immediately. I change my logins and dont feel safe leaving my money in my account anymore.

I have contacted 3 additional times and not one supervisors has called back.
Product: Debt collection

Kohl 's contacted me at a time reasonably believed to be inconvenient. On Sunday, XX/XX/XXXX, I received a call past XXXX XXXX. Kohl 's had been placing repeated calls for a partially owed payment within the month it was due.
Product: Checking or savings account

So my bank account was closed cause I tried transferring money to my Citibank account. It was taking long to get deposited so I just took the money out cash and deposited the money cash in to the Citibank account, So they thought it was fraud and froze my account at the end of XX/XX/. I told them if they can close my account and just give me my money cause I needed to pay bills, they said it was handed over to the fraud company there connected with and gave me there number I called and they said they will send my money through the mail in 30-60 days its been over 4 months going 5 I call once a week and they just tell me the same thing.
Product: Payday loan, title loan, personal loan, or advance loan

Please see previous comment. I have requested assistance in order to simply login and they state they can not help me due to in progress engineering of the app. I have borrowed and repaid over $ XXXX in loans, including their tips, fees, donations, etc. and I have a right to view any and all transactions made with the company. Ive been told there is no way for them to alter the login process and they are aware while trying to remedy. This has gone on over a month without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


30 DAY DEMAND XX/XX/2020
Product: Credit reporting or other personal consumer reports

Synchrony Bank ( XXXX XXXX XXXX ) has been paid in full on my account XXXX as of XX/XX/year>. I disputed the charge with XXXX, and XXXX is reporting as of XX/XX/year> that my balance owed is {$3800.00} when, in fact, my balance on this account is XXXX dollars.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was drugged and robbed of my phone while travelling outside the XXXX. They were able to access my XXXX account and steal/ make trades on my account leave a - {$XXXX} and stole my entire portfolio worth roughly {$XXXX}. I promptly contacted the company late XXXX to resolve the dispute and refund me the entire balance on the account, they refused saying their investigation said it was my fault. I am out now the entire portfolio, you can see the entire bank account and brokerage account have been zeroed out and are now in deficit. I promptly informed them my account was compromised late XXXX yet these transactions all posted. I was arguing with them all week long and was constantly put on hold, avoided discussions with me and more. All my other banks recognized the fraud and unauthorized transactions and refunded me. Only XXXX informed me XX/XX/XXXX that : " The review of your case concluded that the activity in your account was not eligible for reimbursement under our guidelines. 

Therefore, no reimbursement will be made on your account. '' After multiple emails and calls and changes to their timeframe they would get back to me. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I reported the theft of my identity to both the Police and Federal Trade Commission
Product: Mortgage

Since XX/XX/2020 we have been trying to get the final release of insurance claim funds from the escrow account with LoanCare mortgage company. We have completed the rebuild and passed the final inspection for the city and received the certificate of occupancy. After relaying this to LoanCare they have done nothing to help with the withdraw the last of the funds. Multiple times the inspections that we have requested have been cancelled by LoanCare, the reason i was told was because of COVID-19. When I called to inquire about the next steps we were asked to submit pictures of the  house in lieu of inspection. We have waited for responses, time frames have been changing on when we would get those responses from corporate. Then new requests have been submitted, they tell us they are expediting everything, but no progress has been made. Now I am being told that there is confusion between myself and the inspectors, but they said before they cancelled it. Finally another inspection was scheduled, I received a call Monday, XX/XX/XXXX from XXXX XXXX XXXX and they said I had the option to submit to a virtual inspection because of the current situation we are all facing. I submitted photos and received a message that the report had been submitted Tuesday morning, XX/XX/XXXX. I called the claims department to confirm and they told me that it is noted that I don't want an inspection. They had no information as to the final report submitted by XXXX XXXX XXXX. Every person I speak to as well as the supervisor I spoke to have all given me different information and now everything is changing and they are saying that I don't want the inspection, which is completely incorrect. I have called numerous times every week and they are not handling our funds within good faith. This has been going for almost 3 months, I've submitted pictures and the certificate of occupany, but there is no progress. we are unable to pay for services done to complete the rebuild because they will not work with us.
Product: Prepaid card

I just found out with BLUEBIRD there is an added card number ending in XXXX in which I do not have that card. Please remove that card from my Bluebird Account. I only have one card open with my account at Bluebird ending in XXXX. Thank you for your assistance in these matters.
Product: Credit card

I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''
Product: Debt collection

They called about an year ago leaving a voicemail threatening that i would go to jail if i did n't make a payment to them that day. They left the same voicemail on my parents and siblings phones. in fear of there threat i began paying them the claimed i owed XXXX on a payday loan. since then they have taken over XXXX from my account and have n't returned any of my phone calls. Finding this very suspicious far too late in the game i did research on them to find out that the XXXX has an alert on them and multiple fraud complaints. I thought i was paying off a debt but now feel i have flushed XXXX down the toilet please help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting 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 XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

I have a credit card from XXXX XXXX XXXX and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called XXXXXXXX XXXX XXXXXXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXXXXXX XXXX XXXXXXXX with no successful resolution. XXXX, Equifax, and XXXX reported me 30 days late in XX/XX/year>. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

After looking at my TransUnion consumer report today, I found that my consumer rights were violated in many ways, IAW 15 U.S.C. 1681a ( 2 ) ( i ) : Exclusions, late payments/ transactions are not to be reported on credit reports. 15 U.S.C. 1681 Sec. 604 A Sec. 2. I've never given TransUnion consent to report anything on my report. I have the right to privacy. 15 U.S.C. 1681b permissible purpose of consumer reports. I've Never given anyone my permission to share or report any of my information. The inaccurate Accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has violated my rights under 15 U.S.C. 1681e ( b ) : Compliance Procedures, and 15 U.S.C. 1681i ( 5 ) : Reporting inaccurate accounts and they can't be verified with proof that I have requested already. 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 an account without my written instructions ; I never gave anyone written instructions. 15 U.S.C. 1681c - Requirements relating to information contained in consumer reports. 15 U.S.C. 1681c ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing Any other adverse item of information. You've also violated the United States Code Law under TILA, 15 U.S.C. 1666 ( b ) Billing error. I demand these late payments be deleted, and my payment history be Updated to PAANL status immediately.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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