23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX, Transunion LLC, and XXXX requesting information in which I have yet to receive a response. All are in violation of my rights as a federally protected consumer. I have been taken advantage of due to malpractice while several laws were being broken under the FCRA. This has caused me financial injury, as well as defamation of character. I have not had the ability to attain new employment, apply for credit, nor have I been able to apply for a XXXX loan due to the pandemic. Under this crisis you've hurt my ability to attain credit.
Product: Debt collection

While attempting to add a line to my new XXXX XXXX XXXX account i was told I can't proceed because I owe money to a TV service provider called IC Systems. Since I have never heard of this company but have had my identity stolen several times I called them @ XXXX XXXX XXXX. They stated i owe XXXX XXXX money and have to pay IC Systems. I have never had XXXX XXXX at all. And just had another alleged XXXX XXXX account removed from my credit. As well as XXXX XXXX XXXX accounts removed, a discover account removed ect. So I called XXXX XXXX. They confirmed I have never had an account with them nor have they reported any form of debt to a collection agency. I then called the collection agency back and let them know I am requesting a debt validation letter in accordance with the FDCPA. I am submitting this and then going to attempt to get XXXX XXXX XXXX to speak with XXXX XXXX  to fix the issue. Then I will file another police report. It is either identity theft or straight up fraud by the alleged collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found a billing issue when I reviewed my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of disputed accounts that need to be fixed or corrected appears below. Please do so in order to report accurate and helpful information : 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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following 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 XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

On XX/XX/XXXX, I participated in a balance transfer promotion offered by my Chase credit card, in the amount of {$7300.00}. This balance was to be interest-free until XX/XX/XXXX, separate from any other purchase balances I incurred thereafter. 

Over the course of the subsequent cycle, I separately had purchases and matching returns at XXXX and XXXX XXXX in substantial amounts. Specifically, in the XX/XX/XXXX statement, I had {$5300.00} in return credits from these merchants, that should have been matched up to net against prior posted charges from these merchants XXXX which would have been part of my current balance at that time ). 

However, it appears that Chase has chosen to disregard the already posted charges from these merchants, because they were not yet included in a *closing-statement* balance, and regard the credits from these same merchants as " payments '', which when applied to the *prior* statement balance, was considered an excess payment and therefore a reduction of my promotional balance. When the now un-netted charge from these merchants was left without its corresponding credit on the closing statement, the result is a ballooning of my " purchase '' balance, subject to a 18.24 % rate, despite the fact that I made no or minimal net purchases ( I typically do not carry a balance, outside of the promotional balance ). 

As of the current statement, the balances in these 2 categories have essentially reversed, I now have a purchase balance of {$7200.00}, and a promotional balance of just {$1300.00}, again, despite the fact that I did not make net purchases in anywhere near that magnitude in the cycle, nor did I make net payments of several XXXX dollars. 

In a simple case, if Chase 's behavior is permitted to stand, if I have {$10000.00} in non-interest accruing promotional balance, but buy and and return an item for {$5000.00} *within* a given billing period, the merchant 's credit will immediately deduct from the promotional balance as an " over-payment '' based on the last closing statement balance, and by the next statement, I will have a promotional balance of {$5000.00} and a purchase balance ( accruing at 18 % ) of {$5000.00}. Essentially, a purchase and return need to occur in different billing cycles to *not* reduce a promotional balance. 

I find this absurd, deceptive, and likely a purposeful attempt to circumvent the spirit of the Credit CARD Act of 2009. A purchase and matching credit from a merchant is not a " payment '', and separating them in this way to opaquely increase the bank 's fees, when clearly I intended to keep my promotional balance untouched ( I had taken out the promotional balance just 2 months prior with 10 months in the interest-free term remaining ), is outrageous and hopefully subject to sanction by the CFPB. 

Many thanks for your time and attention. 

Regards, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I picked up the mail, and discovered I had received a letter dated XX/XX/XXXX, from Truist that I am late on making the XXXX payment to my home loan. I had not received any prior notification Truist was now the servicing bank for my loan. I attempted to create an online account with Truist and make an ACH payment. The online system would not accept my XXXX XXXX XXXX XXXX account for payment. I was presented with an error that stated I was not the account owner. On Monday, XX/XX/XXXX, I visited a Truist branch to attempt and resolve this. The branch was unable to take payment via an ACH payment or via physical check. In both cases, the branch advised the computer system was denying the payment because I was not the owner of the XXXX account attempting to make payment. I was present with my drivers license and checkbook, and a statement from XXXX community. The branch was unaware why the system was denying payment. We placed a call into the mortgage department, and the representative on the phone agreed to take an ACH payment for the XXXX and XXXX balance due of {$3300.00}. Payment was taken via the phone on XX/XX/XXXX for this amount and a confirmation number received ( XXXX ). As of this morning ( XX/XX/XXXX ) I had not seen the amount debited from my XXXX account. I called in to Truist and discovered the payment was denied because the account could not be found. I asked why I had not been notified of this - Truist advised if payment was not received by XX/XX/XXXX, late fees would start amounting. ( This is contrary to the documents provided by the branch that state in the transfer from XXXX XXXX  to Truist, no late fees would be collected for 60 days ). XXXX asked to speak with XXXX XXXX, and so I did conference the banks. XXXX confirmed the name on the account, and the routing and account numbers, no special flags existed on the account, it could be used for payment, and sufficient funds existed for the draft. Once this was complete, Trusit said they could not take the full payment of {$3300.00}, but would need to process just the XXXX payment of {$1600.00}. This received a confirmation of XXXX. I do not have high hopes the payment will go through, especially since now Truist only wants to take payment for XXXX, and not XXXX. I contacted a branch to see if it is possible to make a cash payment in person, and they advised it is possible. I will attempt this because it is unknown to me what Truist is doing with the loan, and to me it appears they are refusing valid payment to either place me in a delinquent status to take my home, or have late fees pile up ( that go against their own publication ).
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 - XX/XX/2020, I have been mailing my dispute letters to the following credit bureaus ; XXXX, Experian, and XXXX. My first dispute letter was back in XX/XX/2020 using the regular mailing system. The last two dispute letters was the months of XXXX and XX/XX/2020  through certified mailing to be able to track my mailing and I still have not heard a response from either creditor agency.
Product: Credit reporting or other personal consumer reports

In early 2024, XXXX XXXX XXXX XXXX XXXX XXXX  experienced a data breach that exposed sensitive personal information of millions of people. The breach involved the theft of Social Security numbers, names,
Product: Credit reporting or other personal consumer reports

MOHELA misreported my outstanding loan balances back in XXXX. They had caused for my credit score to drop significantly ( like XXXX points in 1 day ) and were impossible to get a hold of in regards to this. I filed a complaint and report with XXXX and CFPB in hopes that this would push MOHELA into action. XXXX removed the two misreported accounts, but my credit score remained damaged for several weeks following. I just logged into XXXX again today to find that XXXX or MOHELA ( not sure who did it ) has also put one of these loans under a " massive delinquency '' charge, which is simply untrue and unjust. The absolute mess that is the student loan conversation in XXXX, has left customers, businesses, and so many other organizations at a complete loss. I have had no payments due on my federal student loans since they have been placed in deferment due to the current supreme court rulings, and so I am actually " up-to-date '' on my current payments as it stands. I'd like for no " massive delinquencies '' to be showing up on my credit score or report, in connection with the incompetence continually shown on behalf of MOHELA and other student loaning agencies. This had been incredibly stressful, damning, and wrong on so many levels. I really wish student loans companies would stop profiting off of the next generation of folks, who they plague with insurmountable debt and foul business practices. It's sickening and inhumane. We need to do better than this by one another and it starts with recognizing that these exploitative companies should not only be held accountable but should inevitably be disbanded and wiped from existence.
Product: Checking or savings account

Hi, I hope all is well. On XX/XX/XXXX, while I was still away on business, and eventually en route back late evening from Florida, there were multiple fraudulent transactions which had taken place in the vicinity of XXXX XXXX. 

Upon review of my account on Monday, XX/XX/XXXX, I discovered these transactions, which were still pending at that, and called into to my bank, TD Bank, to ask about further color on these transactions.

While speaking to TD, they disclosed to me that the credit card transactions had taken place on a number linked to my account, which should have been shut down in XXXX. In TD Bank 's words, the account was " closed improperly ''. These transactions on that particular card number should never have taken place. These transactions totaled {$120.00}. 

In addition, there were multiple ATM withdrawals which totaled {$630.00} on that day. In addition, there were 6 inquiries on these atms on my account, with additional charges totaling {$18.00}.

I was also told that " Leadership '' would be calling me within 24-48 hours, as they were going to review the process around closing down that particular credit card number linked to my bank account from mid XXXX. I still have not heard back from " Leadership '', some 5 days later. 

The charges ultimately did not post to my account until XX/XX/XXXX. I was told I have to wait until these charges posted to file a dispute. 

Also, I had called to get the location of the XXXX XXXX transaction, hopeful that I could have it looked into by XXXX XXXX Police. TD Bank had informed me that they were unable to find that information, knowing only that it took place in XXXX XXXX. 

I have also filed a police report, and have shared the police case number with the bank.
Product: Credit reporting or other personal consumer reports

In regards to three accounts on the credit reportXXXX. XXXX, XXXX. XXXX XXXX. CITI CARD, In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC 1681 section 602 - states I have a right to privacy.

Under 15USC Section 81 Section 604A section 2, It states that a consumer reporting agency can not reporting agency can not furnish a account without my written consent.

Under 15USC Section 1666B A creditor may not treat a payment on a credit card under an open consumer account as late under any circumstances Thanks and best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. 
These accounts listed below are fraudulent : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX. 
{$2000.00} XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$11000.00} These accounts were made. I file a police report when my identity was stolen and I have a DC number attached. 
XXXX XXXX XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute and seek your assistance in the removal of unauthorized inquiries from my credit report, specifically in relation to Expirian, one of the major credit reporting agencies. I believe these inquiries were made without my consent and are in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

On XX/XX/XXXX, when I logged into my account it displayed a negative balance of - {$200.00}. My account should not have been placed in the negative or charged any opposing fees. Once payroll is disbursed into my checking account, I immediately transfer the funds to my savings. As I pay each of my bills, I transfer the exact amount into the checking account to ensure funds availability and that the bills are paid. There were no pending bills or charges for {$200.00}. When I transferred the {$200.00} to my checking account, it immediately was withdrawn. Where did this money go? I did not spend it. This is fraudulent and appears that someone within your bank is mishandling funds or committing fraud. I am sending this email to request the funds of {$200.00} be returned to my checking account. I sent several emails when this incident occurred. I also attempted to reach customer service at XXXX however, no one ever answered. I check my balance and monitor my checking account closely throughout the day. Now, it appears the bank is suggesting that I spent the {$200.00} after transferring the funds. However, I did not because it was immediately withdrawn. If they didn't charge me, where is my money? 


The bank responded on Monday : Dear XXXX, Thank you for contacting Customer Care. We would be happy to assist you. 

You recently contacted us regarding the transactions on your account. However, a review of your XXXX account shows that you don't have a charged for the amount of {$200.00}. 

Please log in to the website XXXX go to the " My Account '' menu and choose the " Recent Account Activity '' sub-menu for you to view your recent transactions. 

If there is anything else we can do to help you, please do not hesitate to contact us by replying to this email or by calling XXXX between the hours of XXXX and XXXX EST 7 days a week. We would be happy to assist you. 

Thank you, XXXX Customer Service XXXX XXXX XXXX, a wholly owned subsidiary of XXXX XXXX XXXX XXXX Accounts provided by Customers Bank , Member FDIC & Equal Housing Lender Dear XXXX XXXX We have received your inquiry and an incident number has since been created to investigate your concerns. We will either respond with a solution or request more information to resolve the issue. 

To avoid a duplication that could ultimately affect our response time, please refer to incident number XXXX for all inquiries regarding this matter. 

You can submit updates to and view the final disposition of this inquiry via the Your Account tab on the FAQ page. The FAQs link can be found at the bottom right-hand section of your account home page. Click on the Your Account tab and select the hyper link associated with the above referenced incident to view the details. 

For further assistance, you can also contact us at the Customer Care number listed on the back of your card between XXXX XXXX and XXXX XXXX EST 7 days a week. 

Thank you,
Product: Money transfer, virtual currency, or money service

On XXXX separate occasions over the last few years I have accidentally sent the wrong person money on the XXXX app through my bank with Wells Fargo. I did call them when I noticed the error and they said there was nothing they could do. I'm out the money and no refund.
Product: Credit card

I purchased a family vacation package for {$5100.00} from XXXX Vacations that was outright fraud. XXXX refused to acknowledge my letter and has not responded to these issues so I disputed this charge with my credit card company American Express.
Product: Mortgage

I am writing to register complaints regarding XXXX XXXX Bank in XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. In addition to XXXX XXXX Bank as an institution, I would like to register my complaints about XXXX XXXX XXXX # : XXXX XXXX XXXX has publicized his XXXX XXXX  # as recently as XX/XX/year> through his e-mail signature, the XXXX has indicated that he is no longer registered as a mortgage loan originator. Further, it does not appear that XXXX XXXX has ever been registered as an investment adviser or broker, yet he acted in this capacity in selling securities-based products and services on behalf of XXXX  XXXX XXXX XXXX XXXX line of credit.
Product: Credit card or prepaid card

The lender waived my late fee ( see attached ) ; but, refuses to set my credit report as " current ''. I was 30 days late due to contracting XXXX. Under the Cares Act, a lender has an obligation to report a consumer as current according to below : The CARES Act calls for creditors to adjust how they report accounts that have been modified. The law requires creditors to report any account that has a payment accommodation to it as current to the credit bureaus- as long as the account was current when the accommodations was made. This credit card lender made accommodations by waiving my late fee ( see attached " adjustment '' ) ; therefore, making accommodations. Based on this information and CARES Act, they should remove that late fee as they have an obligation to report that 30 day late - as current. ( see attached ). I was never late on this account and I've reached out several times to lender to adjust this report ; but, they refuse to do so. Therefore, this lender is violating the CARES act with regard to accommodate.
Product: Credit reporting or other personal consumer reports

I am reaching out to raise serious concerns regarding multiple issues with my credit report. Upon review, I found several inaccuracies, including incorrect account listings, inconsistent billing, and accounts that are not mine. These discrepancies pose a significant threat to my financial security, and I urgently request your assistance in resolving them.
Product: Credit reporting or other personal consumer reports

For almost two. months I having been requesting Experian and XXXX delete an inaccurate information on my credit report. I never lived nor had any association with that address. I am being told it can't be deleted because it was reported and verified by XXXX XXXX. That information is inaccurate since I never live nor provided that address to XXXX XXXX. I believed XXXX XXXX found someone with the same name and is using that address. 

XXXX XXXX is sending emails and letters to my update my address, because the mails are not being delivered. Of course not because I don't live and never did live there, why would I update my address to where I never lived. But yet, The credits Bureaus are claiming the information as been verified and is correct. The same way the credit bureaus are asking me to provide documentation, why don't they ask the creditors like XXXX XXXX to provide documentation for information prior to putting the INACCURATE information a consumers report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, a XXXX XXXX, command Equifax to unblock me from creating and gaining access to my updated credit profile with reports and scores in order to dispute errors. I am XXXX and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, XXXX, and fairness in order for Equifax to discharge any errors or obstructions from my credit profile.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : In a recent review of my credit reports, I noticed an inquiry that I do not recognize and believe to be fraudulent or not related to a proper/authorized purpose. 

The inquiry in question specifically is as follows : " XXXX XXXX XXXX '' - On XX/XX/2024 : -- - Appears On Reports At : XXXX I would like the bank to provide proof that the inquiry was for a legitimate/authorized purpose as well as explicit evidence that is was requested by myself. Any documentation that they feel proves this, I would like to be sent to me directly via the CFPB 's complaint handling system for my review. 

If they are unable to prove that the inquiry was, in fact, for a legitimate business purpose and requested by myself, then I would like it to be removed immediately. 

Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Good morning My name is XXXX XXXX XXXX, I'm writing to dispute the address that appears on my credit report. 

My Correct Address is XXXX XXXX XXXX, XXXX, FL XXXX, I am requesting to fix it for it to read that address. 

Please attach you will see driver licence and Social Security Number.

Thanks so much
Product: Checking or savings account

I received an email yesterday night on XX/XX/2020 at XXXX that said unusual activity was detected for the date of XX/XX/2020. I called Bank of America immediately and have been on hold for nearly two hours! My recent transactions are believed to be fine in my eyes considering the fact that nothing is pending. Please help, I have no other resort due to the Covid-19 epidemic since all branch locations in my area are closed.