23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I AM REQUESTING A FULL INVESTIGATION IN REGARDS TO MY LATE MOTHER. BEGINNING AROU ND 2004. THE FINANCIAL INSTITUTION I WISH TO BE APART OF THIS INVESTIGATION.I AM LOOKING FOR ANSWERS REGARDING THE SAVINGS, CHECKING, CD, SALE OF PROPERTY, PENSIONS DEPOSIT. DUE TO THE FACT MY MOTHER RESID E WITH HER  SON.HER LAST  SPOKEN WORDS MY SON STOLE ( ALL OF MY MONEY ). SO AS HER DAUGHTER, AND PRIMARY CAREGIVER TO HER END I AM GOING TO PURSUE THIS  MATTER.WHAT  HAPPEN TO HER FUNDS!!!!!!??????????????
Product: Debt collection

This discrepancy is unacceptable and calls into question the integrity of your credit reporting process. This not only raises serious concerns about your bureau 's commitment to compliance with the law but also places an unjust burden on my financial standing. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

If you have failed to verify the accuracy of the information, I demand that you take immediate steps to rectify this by engaging in a thorough verification process. The information in question is not only damaging but has been proven inaccurate by other credit bureaus. Promptly correct the inaccurate information on my credit report to accurately reflect my credit history. If you are unable or unwilling to verify the accuracy, I insist on the immediate removal of such information.
Product: Credit reporting

still charging me for my credit report unable to retrieve credit report on my own. have to call customer every time. they refuse to fix the errors have me calling to verify info have called but errors have not been fixed for over a year. ca n't dispute my credit report. always get error. charged me XXXX XXXX and XXXX refuse to give refund. sent numerous over XXXX escalation tickets up to technical but instead of fixing my credit report they cancel my service instead of fixing it. they do n't want to do anything back send you on your way. when you call they send your call to XXXX than about XXXX to XXXX people later you might get the us Equifax. why over a year they have not fix my profile. they should take a look at transunion they do n't have problems.
Product: Credit reporting or other personal consumer reports

I contacted Experian several times and let them know this was identity theft and the account was not mine. They refused to remove it and have given me the run around. I also contacted the creditor several time and have received nothing from each. Letter to Experian : Subject : Formal Complaint and Demand for Immediate Removal of Erroneous Account Information. 

XX/XX/year> Experian Dispute Resolution Department RE : Fraudulent Account XXXX  ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally demand the immediate removal and blocking of the fraudulent account referenced above, XXXX  ( Account Number : XXXX ), from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ). This account is a result of identity theft and fraud.

As per 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of any information resulting from identity theft within four business days upon receipt of : A copy of an identity theft report.

The identification of the fraudulent account in question. 
A statement from me that this account is not mine and was fraudulently opened or used. 
Enclosed with this letter, you will find the following supporting documents : A copy of my amended police report affirming this case of identity theft and fraud. 
A statement attesting that the account is fraudulent and not authorized by me. 
I have also submitted formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding Experian 's failure to address this issue appropriately and in a timely manner. If this account is not removed and blocked from my credit report within the legally required four business days, I will proceed with legal action against Experian for non-compliance with the FCRA and any other applicable laws.

Please consider this your final notice to comply with federal law. I expect written confirmation that this account has been blocked and removed from my credit file, as well as an updated copy of my credit report, reflecting these corrections. 
Failure to act will leave me no choice but to pursue litigation to enforce my rights. 
Sincerely, XXXX XXXX Enclosures : Amended police report Statement regarding the fraudulent account
Product: Vehicle loan or lease

Called Santander Consumer USA about my XXXX mother 's account. She financed a new truck with them in XX/XX/XXXX with a 72 month contract. The contracts first payment was for XX/XX/XXXX. She got 6 months worth of payments ( 6 payments ) moved to the end of the loan due to illness. The current maturity date is XX/XX/XXXX ( today ) but the balance is still {$9000.00}. I went over the transaction history and most of the payments she made went towards interest, i.e. her payment is {$540.00} but $ 300-500 would go towards interest. This account should be paid out by now unless there is something I'm missing. I need for you all look into her account for me and make sure their actions are justified.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Capital One Bank placed a restriction on my line of credit without prior notice to me. I had a {$5000.00} PLC since XXXX XXXX it was originated with XXXX XXXX  acquired by Capital One ). My PLC was used during the previous year. 

I discovered that my PLC was changed when I went to my on line account web site. The PLC was no longer listed. Today, XX/XX/XXXX, I called Capital One and the agent informed me that as of XX/XX/XXXX my account was restricted. This was due to a Capital One decision to terminate all PLCs. I was also informed that the letter to inform me of the change will soon be sent to me. Also, I was informed that PLCs not having any activity for the previous 12 months were terminated in early XXXX. 

I do not have a problem with Capital One 's decision. However, Capital One should have issued appropriate notice so that I could make other arrangements. Yesterday, I was nearing a decision of a very large purchase which may have tapped my PLC. I would have had a bounced check because I did not know on Capital One 's actions. 

Further although it will be small impact to my credit rating, I expect a small drop do to elimination of credit.
Product: Debt collection

Have contacted Rent XXXX XXXX several times via the mail. Starting from XX/XX/XXXX until XX/XX/XXXX. Demanding stop reporting this account that came from a identity theft of my private information.
Product: Debt collection

I had a XXXX XXXX account from XX/XX/XXXX to XX/XX/XXXX. I paid my last bill on XX/XX/XXXX. And for some reason, XXXX would not provide me with a closing invoice. I made several requests since my disconnection in XXXX with no success. Within a few short weeks ( 15 days or so ), XXXX hired Williams & Fudge by XX/XX/XXXX ( according to the XXXX invoice, Williams & Fudge mailed to me ). The Invoice is not correct and did not have the charge details or closing statement information. I have paid XXXX twice and Williams & Fudge refused to use my checking account activities, as proof of payment. So, Williams & Fudge reported my XXXX account to the credit bureaus, on more then one occasion. I wrote a certified letter to Williams & Fudge on XX/XX/XXXX ; asking them to remove the collection item off of my reports, according to the Fair Debt Collections Practices Act. They removed all of the negative reporting within 30 days of the certified letter. But, I was notified in XX/XX/XXXX that Williams & Fudge placed the XXXX collection back on my XXXX report. Even when the XXXX account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX, XXXX, and XXXX XXXX; added a derogatory mark on my credit report from I.C. Systems. Upon further research, this account was transferred. I was never contacted by XXXX that I owed any debt or authorizing such. 
I.C. Systems never contacted me to dispute the validity of this account. There is no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the F.C.R Act. They have violated my rights as a consumer and I am requesting legal action to remove the account immediately.
Product: Checking or savings account

My online access to my Chase bank account and credit cards has been restricted. In XXXX XXXX I took my US passport to a Chase branch in XXXX, Florida to update my status to a XXXX XXXX. After that, I was blocked from logging in to my account. I called multiple times and visited the branch and finally was told that I have an XXXX restriction on my account. Since then, I have contacted different departments and visited Chase branches and received conflicting suggestions from Chase on how to clear this restriction. Nonetheless, I have followed all of these suggestion and provided documents and faxed a notarized " XXXX XXXX XXXX '' to the number that was given to me. Despite all my efforts, my access is still restricted and Chase is not offering me any path forward to remove it.
Product: Credit card or prepaid card

I used a promotional check offer from Barclays Card ( XXXX XXXX XXXX ) in the amount of {$3000.00}. I still have the letter and the other two unused checks. 

The date the check ( cashed was XX/XX/XXXX. The date the charge posted to my account was XXXX. 

The terms of the promotional check : 0 % APR through the last billing cycle that ends on or after XX/XX/XXXX. After the promo period ends, the standard APR for balance transfers will be charged. 

Balance Transfer must post to your account by XX/XX/XXXX for promo APR to apply. 

Fee is {$5.00} or 4 % of the amount of each transactions, which ever is great, for transctions that post to account by XX/XX/XXXX. 

I was charged {$150.00} for the fee. 

The {$3000.00} was posted to my account at 24.99 % the standard balance transfer rate.
Product: Checking or savings account

On XXXX XXXX I deposited in my checking account number XXXX at Bank Of America that is opened under the name of XXXX XXXX XXXX XXXX  the check with number XXXX for the amount of XXXX dollars dated XX/XX/XXXX from XXXX XXXX. The check was deposited ONE TIME and the funds for the check posted ONE TIME to my account. On XX/XX/XXXX the amount of XXXX dollars was pulled from my account stating that the check was double deposited which is false statement. 
During last conversation with a Bank of America representative they agreed that the check was deposited once and the bank who issued the check, XXXX XXXX did not cover the check. Since somebody inside the bank made a mistake they want t cover it and declared the account at XXXX XXXX having insufficient funds so the banks can cover their mistake .That is a wrong affirmation and the person who wrote the check DID have sufficient money in the account. Instead of fixing the issue Bank of America sent me to XXXX XXXX to ask them directly for money. Both banks made an error and one of them kept my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never sign up, fill out any application or request any mortgage assistance from XXXX  XXXX. this company is shown up on my report with out consent. I have sent a letter on XXXX/XXXX/XXXX requesting that inquire to be remove from my XXXX. this company is listed as a XXXX XXXX agencies with no number address to be able to request proof of signature that authorization was given to pull report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax remove reporting that capital is reporting pays on time but removed 66 points from my eqifax profile with XXXX XXXX. Theses practices are fraudulent and must stop. If Iam on time why Iam Iam I losing points One part of the report says Iam doing good then the other says I missed a report. It's confusing and my score she not be affected by equifax or XXXX XXXX inaccuracies.
Product: Debt collection

This debt originated in XX/XX/XXXXI was a victim of ID Theft in XX/XX/XXXX in which I submitted the police report to the 1st Point Collection Company as well as a recent report of someone trying to use my ID to purchase items in my name online in which I also disputed and the remark was removed. 1st Point refuses to remove the deragatory remark from my report acknowledging that I am responsible for the debt owed. I tried resolving this problem multiple times before with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ITEMS ARE ATTACHED, PLEASE INVESTIGATE EACH MATTER AND DELETE OFF MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX BALANCED {$6400.00} XXXX XXXX XXXX BALANCED {$4700.00} XXXX XXXX BALANCED {$4900.00} XXXX XXXX XXXX BALANCED {$6800.00} XXXX XXXX BALANCED {$13000.00} XXXX XXXX XXXX BALANCED {$3200.00}
Product: Debt collection

Hello! We have been trying to reach you to discuss your XXXX XXXX XXXX XXXX account ( # XXXX ), now owned by NCB XXXX XXXX XXXX XXXX, a debt collector. 

Phone : XXXX Email : XXXX Self-service : https : //payonline.ncbi.com NCB File # : XXXX www.ncbi.com/knowrights www.ncbi.com/importantinfo Text STOP to opt-out Keep sending text over and over again
Product: Mortgage

I first applied for a loan modification and mitigation last Fall. After several attempts at getting all the required documents and information to Ditech Financial LLC, they finally informed the application was complete in XX/XX/XXXX. The mitigation is still in " research and underwriting '' as of XX/XX/XXXX. I call them twice weekly and they repeatedly tell me they will contact the supervisor or director to " escalate '' the decision. No one has given me further information or any indication of possible outcomes. I'm mailing a QWR and meeting with my lawyer next week in hopes of resolving this matter asap.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the inaccurate and disputed accounts currently reflected on my credit report. Despite multiple efforts to address these issues and my requests for a thorough investigation, I have yet to receive any resolution or corrective action. 

These erroneous accounts are not only damaging my credit file but are also causing significant hardship in my daily life, affecting my financial stability and opportunities. The ongoing negative impact has left me with no option but to plead for your immediate assistance in rectifying this situation. 

I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is crucial that the necessary corrective measures are taken to ensure the accuracy and integrity of my credit report without any further delay. 

I trust that with your help, this issue can be resolved swiftly, allowing me to regain control over my financial well-being. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and cooperation. I look forward to receiving confirmation that the investigation has been initiated and the errors have been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint due to inaccurate And unauthorized inquiries on the credit report. Experian responded with a generated template stating they could not reinvestigate my dispute. I have contacted the companies reflecting the unauthorized inquiries and was directed to contact Experian. I would like the unauthorized inquiries deleted and removed if they can not be verified by the company that is reporting them. 
XX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 which are found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. 
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 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 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  If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, or personal loan

I requested a loan for XXXX dollars from this company. They are loan sharks in desguise. I have paid back over 2.000 dollar and I still owe them XXXX. It should be illegal for this business to operate. Yes they do help you I time of need but they have bleeded my bank acct. My payments are deducted actomatically from my checking a acct. I resided in XXXX  withy daugher whom has a special needs child with several health problems. I was helping her out. I had to move back to XXXX XXXX to take care of my XXXX year old mom whom has XXXX and I explained to them through an email the financial hardship I was having due to having to help my mom and my own home renovate and do repairs after hurricane Maria. They just took the action of the not making any more withdraws which that was fine with me but they had no compassion or care about my economic situation.No one ever responded to my email to try to help me. All they send me is when my next payment will be taken out of my acct. I live on disablity from soc sec and the payments never end even when I have not made any withdraws..The intrest they charge was unknow to me. I wrote them it was the worst company even if I was homeless in the street I rather stay that way then resort to them for help..Really bad. Sincerly XXXX XXXX.
Product: Credit card

I want to cancel my Bank of America credit card before the annual renewal fee is charged. It is not possible to cancel the card from their online banking site or mobile app. I called the help number but was never able to get through to an associate to assist.
Product: Credit card or prepaid card

Transaction done at ATM. Bank is not disputing the charge. XXXX NetSpend hasn't even sent the dispute to the bank for them to fill out. It's been well over a week now. N I still have gotten no right answer from NetSpend. Except that they are currently working on it. There is nothing to work on if the bank isn't disputing the charges. I have spoke to bank manager personally and she assured me that as soon as they received it. They would release my money. NetSpend has me on edge with this they are acting as if they are trying to give me my money back. They are rude and no matter who you speak to you get a different answer Everytime. I just want my money back so I can close this account with NetSpend.
Product: Student loan

Why does the interest rate keep going up? I thought the interest rate stayed the same because it was a student loan. I can't afford to pay this steady increasing interest rate. Also I thought this loan was supposed to be discharged because of illegal practices of XXXX XXXX XXXXXXXX?
Product: Credit card or prepaid card

Citi Bank credit card Mastercard. XXXX I went to Florida and when I came back I wanted to pay the bill. I paid {$1900.00} minus the 3 rental cars from XXXX XXXX. Called fraud and guy told me that one of the girls added two more cars instead deleting them. Car was {$200.00} x 3. They refused to delete them all. XX/XX/XXXX to XX/XX/XXXX. In the meantime before I knew they were investigating the cars I put XXXX in XXXX. When I realized Citi was giving me a hard time I looked to transfer {$300.00} into XXXX  XXXX XXXX. It took XXXX  days to transfer. Unfortunately it past my time on Citi card. To pay them. Waited two days and I had to pay a late payment {$4.00}. so I paid it. In XXXX. Finally XXXX  XXXX XXXX did the transfer and paid Citi credit card. I looked at the bill XX/XX/17 to XXXX. They still will not cancel the car and add {$300.00} on to the {$200.00} plus fees of {$29.00} and fees {$4.00}. total {$540.00}. I have been calling them all the time they will not correct it. Also they keep asking everytime I call my birthdate. I am to old ignore her??? Good question. In the meantime XX/XX/17 to XXXX I spoke with a lady and I told her I do not them anything. She said yes you do. I said prove it lay it out for me. She said you {$300.00} and {$300.00} total minus {$540.00} leaves you with {$300.00}. I told her should go back to school and take math. I hung up I have been at this for XXXX months none at Citi card listens or can add and subtract I am still fighting. I do not know what to do. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX ( inquiry XX/XX/XXXX ), Nationwide Cassel ( inquiries XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.