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

My checking account at M & T Bank had unauthorized transactions on XX/XX/2023. The bank notified me of suspicious activity on that day and I immediately contacted the branch to dispute the charges and cancel the card that presumably caused the hack. The total unauthorized charges were {$150.00}. On XX/XX/2023, {$35.00} of those charges were refunded by the vendor. On the same day, the bank issued a provisional credit of {$110.00}. At that point, the account was made whole for the unauthorized charges. However, on XX/XX/2023 the bank reversed {$35.00} of the provisional credits, leaving the account short in that amount. 

I have called the bank and visited the branch several times, most recently today, to attempt to have the credits restored but there has been no explanation or action. I have received no further correspondence from the bank. 

The 45 day period for resolving the dispute has passed, the provisional credits appear to remain provisional and remain less than the disputed charges with no explanation provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an invoice from XXXX for XXXX service of which I am a customer. 
At the top of the invoice : PRE-SCREEN AND OPT OUT NOTICE. I am being directed to OPT OUT of a service that I NEVER asked for with EXPERIAN. in order to do this you have to call Experian and the automated answering service requires a lot of confidential information just to opt out. SS number, address, date of birth, zip code, etc etc. it kept going on and on and I hung up. I do not want to give out my SS number and address and birth date on the phone in order to Opt OUT of a service that I NEVER ASKED FOR and did not OPT IN! This is a waste of my time, it requires you to give highly confidential information out to a computer, and asked for multiple verifications of your identity. NONE of this is an acceptable way to do business. 
Experian Opt Out XXXX XXXX XXXX XXXX, TX. XXXX XXXX
Product: Debt collection

The company Stallings Financial Group has been harassing me and threatening me about a debt for a doctor that I visited. I explained to the person that I was going through financial hardships and that I was unable to make an arrangement at that time. I asked to speak to a supervisor and was told he was the supervisor. I have a very sick child and have lost my job due to budget cuts at my company. The supposed supervisor was extremely rude and belittling during our brief conversation and exhibited the worst customer service I have ever experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$970.00} XXXX  ( Original Creditor : XXXX XXXX ) -XXXX-Balance : {$2400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

Not aware of Hard inquiry on XX/XX/2023 at all from XXXX XXXX showing on Experian report just now. I have placing all my credit on freeze now.
Product: Credit reporting or other personal consumer reports

DOVENMUEHLE MORTGAGE fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). DOVENMUEHLE MORTGAGE is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX Consumer Reporting Agencies by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX FL XXXX, MA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

Showing XXXX XXXX account on credit report closed XXXX over XXXX XXXX XXXX to remove XXXX XXXX XXXX closed XXXX over XXXX XXXX XXXX to remove XXXX XXXX XXXX XXXX XXXX to remove XXXX closed account XXXX XXXX XXXX to remove
Product: Credit reporting or other personal consumer reports

I claimed bankruptcy in XXXX after claiming bankruptcy. I contacted all the creditors to let them know about this most of them agreed to update my payment status on all my accounts to Current and that has not been done.
Product: Debt collection

I have received notice from a new debt collector, InvestNet, LLC, for a time barred debt for XXXX XXXX XXXX in the amount of {$8600.00} for account number ending in XXXX. 
This debt was reported delinquent on XX/XX/2017. Statue of limitations for open ended debt in the state of XXXX  is 6 years. 
My questions are this : I read that if I respond, it could restart the clock on the debt but if I dont respond I could be taken to court. 
This debt has hurt my credit for the past 6 years and is no longer on my credit report. 
I am unable to pay this debt due to current financial hardships. 
What are my options and can this new company sue me for a time barred debt? 
Thank you, XXXX XXXX
Product: Debt collection

Paid collection in XX/XX/2020 the amount owed should be XXXX. I settled with them for less.
Product: Student loan

Mohela, as the federal student loan servicing contractor, essentially scammed me. Their staff encouraged me in XX/XX/2022 to request a refund of my XXXX forbearance payments made to the prior loan servicer, promising me the US Treasury would refund me approximately {$15000.00} in total. However, that never was requested of the Treasury, or Mohela prevented the refunds from being made. Either the request to make the refunds was not sent to the Treasury, or Mohela misrepresented their intent, and changed my zip code from a Texas zip code to a DC area zip code, as they later claimed the Treasury issued me a check for about half the total, but it was returned due to an incorrect address. My address was correct up until that time, but someone changed the Texas address to a DC zip code in ED records. After taking some time to correct that, no action has occurred, and I keep being told that refunds will be requested. In the interim, Mohela processed a loan consolidation request I made months later, and processed the new loan as if I had received the full amount of the refunds. So, the consolidation loan total is over {$30000.00} instead of close to {$15000.00}, which was the remaining balance after the forbearance payments. Mohela has committed fraud and theft by essentially promising the refunds, acting like they were made prior to consolidating the loans, and somewhere pocketing the approximately {$15000.00} I already paid. I did tell Mohela that instead of the refunds, they could just correctly make the consolidated loan balance around the {$15000.00} total loan balance it was before the consolidation was processed, but they have refused. So, I have made about {$15000.00} in education loan payments that have just vanished into thin air.
Product: Mortgage

I often make multiple payments at one time to my mortgage company. I include the account number on the check with the months that the payments are to be applied to in the memo portion of the check. I also include in the envelope the payment coupons for the payments that the check is to be applied to. A few months later, the mortgage company sends me mail saying that I am seriously overdue on my account because they misapplied my payment. This happened last year for the XXXX time and they put a late pay on my credit report for it even though my payment was never late. That mark is still on my credit report as I have not had the time to challenge it with the credit reporting agency. Today, I received yet another threatening letter even though I 'm not behind and do n't owe any more payments until XXXX. I 'm tired of them misapplying my funds! Furthermore, when I made another multiple month payment in XXXX of last year, I requested in writing a statement of all of my account history and then still have not sent it to me XXXX months later.
Product: Credit reporting or other personal consumer reports

I am writing to you for the third and final time regarding the inaccurate late payment entry on my credit report associated with XXXX XXXX XXXX, account number XXXX. Despite my previous disputes, the late payment remains on my credit report without proper validation. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information. Specifically, FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer, the agency shall reinvestigate free of charge and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Product: Credit reporting or other personal consumer reports

My credit report shows inquiries that I do not recognize, and I never authorized these companies to access my credit information. I did not apply for credit with them, nor did I give any form of consent for these inquiries. Having my rights as a consumer violated in this way is deeply frustrating, especially when XXXX already dealing with the everyday stresses of life. I value my privacy and expect my rights to be protected.
Product: Bank account or service

I bank with Bank of America. In several occasions Bank of America has place a hold upon a payroll deposit check I have made. On all of these occasions I have asked for and received a copy of the cleared from the accountant for my employer. The hold has always been place one day after the check cleared and in such a manner that out my account into negative status. It seems to me the algorithm that is responsible is targeting accounts that may earn Bank of America a financial reward in the term of fees for overdraft. It even happened when my employer changed to Bamk of Amercica as the a. Punt holder for payroll. I was told that Bank of America had received information that 's payroll check would be returned even though it was drawn from anothe Bank of XXXX account. Bank of America 's fraudulent actions have cost me XXXX dollars of late fees and associated costs due to the fraudulent holds being placed upon my account to. I have evidence of the day the checks where authorized and screen shots of my a. Punt showing that money was credited to my account and a hold was placed on my account after the date the payroll checks cleared. I believe that Bank of America has a working agorythem that is trying to maximize based on holding checks deposited to encure over draft fees.
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 of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX  - XXXX 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 one year, at which point I may request an extension of the block. During the block, you may not report or 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 / charge off were eliminated and not verified by others bureaus. I dont 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 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, credit repair services, or other personal consumer reports

This is the second or third time I have filed a complaint over an account from a 3rd Party collection agency that I have never done business with. I demand a re-investigation of the following account : XXXX XXXX XXXX XXXX XXXXXXXX. I have no record of this account and I never received any documentation of notice before this account was added to my credit file.
Product: Credit reporting or other personal consumer reports

This account was closed on the following date : XX/XX/XXXX. Since then the date of last reported has been inconsistently updating my credit report the date last reported is ( XX/XX/XXXX ) on Transunion and also XXXX. It's reporting ( XX/XX/XXXX ) on XXXX. If the information is coming from the original creditor all of the information should be reporting the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Transunion, XXXX and XXXX has failed to investigate this account so I would like this account deleted immediately. 
Account name : XXXX Account number : XXXX
Product: Credit card

XX/XX/2024 I applied for Capital One Quicksilver card and received an approval email on XX/XX/2024. Please see the copy of he approval email. 

XX/XX/XXXX XXXX XXXX I received email stating my card was in the mail and would arrive by XX/XX/2024, please see the copy of it. 

XX/XX/2024 I was unable to activate the card by calling their activation phone number because they said did not recognize my phone number. My phone number was the same one I used when applying for the card. They requested that I send a copy of my drivers license via a secure link, which I did. Please see a copy of it. They activated my card and the card was ready for purchases. 

XX/XX/2024 I attempted to use my card on a XXXX XXXX XXXX, but they declined the transaction. When I called Capital One, they said it was due to suspicious activity. I confirmed it was me making the purchase and waited three weeks, but the issue was not resolved. 

XX/XX/2024 I called again because my card was still blocked. They requested my drivers license again via a secure link. Please see a copy of it. I sent them the drivers license copies. They assured me on the phone that they would call me once the issue was resolved, but they never did. 

Early XXXXXXXX XXXX Since there is no Capital One branch in XXXXXXXX XXXX I visited the Capital One XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I explained the situation and my frustration to the staff there. The responsible person called Capital One several times to help me. After this visit, Capital One requested additional documents, including my drivers license and proof of residence via a secure link. Please see the attached copy of the email dated XX/XX/2024. I sent the requested documents, including a copy of my drivers license and the most recent electric bill from XXXX XXXX. 

A couple of weeks later : A representative from Capital One called me and requested that I stay on the line for a three-way conference call with XXXX XXXX to confirm the name and address on the electric bill. While waiting on the line, the call disconnected, and no one from Capital One called me back. The representative did not provide a callback number either. 

XX/XX/2024 : As of today, my card is still blocked due to Capital One 's mismanagement and miscommunication, despite my best efforts to resolve the issue and comply with all requests. Meanwhile, I continue to receive promotional emails and auto-payment notifications as if I were able to use the card. Please see the attached copies of these emails and my electric bill showing my name and address for your reference.
Product: Mortgage

My name is XXXX XXXX and my closing was completely botched and both myself and my parents wasted a half day attempting to close on XX/XX/2020 with XXXX XXXX of Wells Fargo Home Mortgage ( XXXX ID XXXX ) and she was completely unavailable/unresponsive during closing. 

Ultimately there were issues with the paperwork that she messed up and as a direct result we were unable to close. My closing was pushed out a week where I needed to take another half day to go back and try to close again which happened on XX/XX/2020. 

Additionally there was additional interest accrued on the old mortgage/new mortgage because it was not paid off on the original date that I am now directly responsible for paying because of this lack of professionalism. We were not reimbursed for this failure and XXXX XXXX refused to acknowledge the issues. The closing lawyers at XXXX XXXX XXXX. filed a formal request for reimbursement due to the incorrect paperwork and it was rejected. 

Wells Fargo sent a letter apologizing for the issues a month later, however no reimbursement for lost money or time was ever given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX XXXX XXXX  Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX , XXXX  , Transunion ), XXXX XXXX  Acct XXXX ( XXXX , XXXX  , Transunion ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX ), XXXX XXXX Acct XXXX ( XXXX , XXXX  ), XXXX XXXX Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX  , XXXX , Transunion ), XXXX XXXX Acct XXXX ( XXXX , XXXX  , Transunion ),  XXXX XXXX XXXX Acct XXXX ( XXXX , Transunion ), XXXX Acct XXXX ( XXXX  , XXXX , Transunion ), XXXX, XXXX Acct XXXX ( XXXX  ), XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX   , Transunion ), XXXX XXXX Acct XXXX ( XXXX , XXXX  , Transunion ).
Product: Student loan

I received a loan back in XX/XX/2001 with XXXX/Navient. Over a course of years my loan was sold ( without my knowledge ) and the amount owed increased tremendously. This is affecting my credit and still appears on my credit report. My current loan, after being consolidated, is now with a new company. What is going on?
Product: Payday loan, title loan, or personal loan

Through the XXXX website, I applied for a loan with Avant. The offer on the website said I was pre-approved for {$35000.00}. Their website claims that the loans are processed within 24 hours. I submitted all the necessary documentation and they pulled a hard credit check on me. And then nothing. I called customer support and they read me the same speech. 

I asked multiple times if I submitted all the proper documentation. I was told that I had. The speech always included that they try to approve within 24 hours. My file was being reviewed. 

I applied on Friday, XX/XX/2022. It is now Thursday, XX/XX/2022. Because of their unfair and deceptive practices, I am no longer eligible for the other loan offer with another company. Their hard credit pull hurt my credit rating. It has been an humiliating experience. Their actions have been detrimental to my finances. I consider their actions abusive. 

If I wasn't really pre-approved, they should have just told me. We should not be almost a week out and I still do not have an answer.
Product: Debt collection

A XXXX account is listed in my XXXX credit report, and is with a collection agency, Jefferson Capital  XXXX XXXX file number XXXX. 

I've disputed and XXXX kept the information on my report. 

The dates of the XXXX phone service show as opened in XX/XX/XXXX. I have had mobile phone service with XXXX XXXX since XX/XX/XXXX, this is my customer number XXXX. 

I've asked both XXXX and Jefferson Capital to share specific information about the account including open and close date and specific records and billing so I could have specifics to dispute and I've never been given the details of the account to detail the {$1700.00} they claim I owe. 

If you can help me get the account details I can have specifics to dispute the claim. Thank you in advance for your help and consideration. Best, XXXX