23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I applied for a mortgage refinance through Suntrust after being notified that I was pre-qualified to refinance at a lower interest rate. I am financially sound and went through the process of the loan application. Suntrust appraised my home and after the application signing I was told that a closing date would be set soon and that everything was processing efficiently. Around XX/XX/XXXX Suntrust began requesting additional utility bills and a home owner 's insurance declaration. On XX/XX/XXXX, Suntrust requested that the home owner 's insurance declaration be amended with my primary name instead of my father 's name. This was a very strange request because I am refinancing this home in my name instead of my father 's name. I sent the new homeowner 's insurance declaration page to Suntrust on the morning of XX/XX/XXXX as soon as I received the amended document from my insurance agent. On the afternoon of XX/XX/XXXX Suntrust sent me a denial letter because of time-lapse on the application process. 
The time-lapse of this application was due to Suntrust. I responded and had given every detail and document that they requested in a timely fashion. All responses between Suntrust and I are documented and dated for validity on the matter. Someone on the end of Suntrust simply " dropped-the-ball '' for weeks at a time during the process. This happened more than XXXX time from XX/XX/XXXX to the end of XX/XX/XXXX. Consequently, interest rates have risen and I can not get the lower interest rate through another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an investigation result from Transunion. The file number XXXX. Transunion is deliberately breaking Federal Law while reporting false and inaccurate information on my consumer report. Federal Law says in 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Transunion is reporting this false information. Transunion is in violation of reporting this charge off on my consumer report when in fact Pursuant to 15 USC 1681c ( a ) an account placed for charge to profit and loss is considered income for the consumer. Where is my 1099? Consumer has not received a 1099 so that I may file this charge off as income? This account will be rectified or I will be filing a form 3949-A of this fraud with the Federal Trade Commission and Office of Tax and Revenue concerning the tax fraud and both company and Transunion will be held liable. Your institution will update my account as paid in full and remove any derogatory remarks.
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX that were both charged off as of XX/XX/XXXX. Now this company has said these have been charged off again starting XX/XX/XXXX. At this time this data in inaccurate for I do not believe they are able to charge them off twice. They have changed this information on my credit report and now it will not pull correctly on credit reporting sites.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Repair the accounts stated below : 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

It appears that my 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 is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a notice via mail service asking for immediate action- it was a reminder to " Cash My Refund Check. '' I called to inquire since I never received a check. I was bounced around to various departments each time I called. I finally spoke to someone who graciously created an escalation request to look into this. I was then transferred again, spoke with someone who confirmed this refund was legitimate. She committed to someone who would contact me within XXXX days. I never received the call, email or by any form of communication. I called again since this refund check had an expiration date. The person I spoke with indicated there was no request for someone to contact me or this matter. So, they claimed to create another request but, nothing occurred. I called back again to receive yet the same information. They transferred me again, and the person had no idea what I was talking about and would have someone contact me and I never heard from anyone -- to this day. This started in early XXXX! My worst experience with any company and this was 'TransUnion. ' Now the legitimate refund check has now expired. I was told the refund was due to a monthly subscription for online services regarding my Credit Report and other services to which I was not receiving, but I was charged for it. Thank you!
Product: Checking or savings account

Debit card hold preventing use of funds. Savings account holder XXXX XXXX has XXXX managing a Health Savings Account with a current balance of {$1600.00}. I am currently unable to access the funds in a manner consistent with the deposit and funds availability agreement and I spoke to a supervisor XXXX at XXXX/XXXX  on XX/XX/XXXX who states my employer asked them to hold my funds, which is not something my employer should be able to do. The card is still active, however XXXX is has placed a hold on my account.
Product: Credit card

During the months of XX/XX/XXXX and XX/XX/2015, {$720.00} in cash advances were made via XXXX XXXX, with my Discover card. I was charged {$10.00} per transaction making the total XXXX. These transactions were made nine times. These were not authorized by me. 
I am set up for fraud alerts but I was not alerted to what was happening and so I was unable to stop the transactions. But for their failure to provide fraud protection as promised I would not have this charge on my account. 
If these suspicious transactions do not trigger a fraud alert, then what does. 
I have written to the company many, many times and have not received one written reply. 
Curiously, when I signed up on XXXX I got a fraud alert! That 's so funny! So I called them and while I had them on the phone I asked about the cash advances and they said that since my son made them that they are not liable. I was shocked. My son was not authorized to make those advances. What gives them the right to say that he is authorized to do so? 
In any case, their fraud alert did not work as promised. I should n't have to pay the fraudulent charges. Thank-you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day Wells Fargo XXXX XXXX XXXX I received your response today and as usual you have failed not only me as a Consumer, but you have failed the once pristine reputation of Wells Fargo. Should really think about changing your brand? Anyways youre previous and multiple responses do not address the cusp or root of the issue at hand. I'm not trying to persuade you to change your position based on new information. I'm stating that you need to change your position based on the information that has all already been provided. 
Again just because you deem the matter closed doesn't make it so... I did not except the almost identical terms and agreements of a loan that was deemed predatory and unlawful within our justice system. If I have to bring your so called modification in front of the Supreme Court for a final ruling I can do that as well. So to be clear, and keep in mind these complaints will be used against you as an attempt to resolve the matter amicably, the Modification was not handled in a manner that's been deemed fair and in the best interests of me the consumer based on my financial situation at the time. As a reminder then Attorney General XXXX XXXX named Wells Fargo as possible violator of the {$25.00} billion National Mortgage Settlement. Florida had received {$28.00} million as part of a multimillion, multistate settlement entered with Wells Fargo Bank N.A. to resolve claims that the bank violated state consumer protection laws, among other laws.
Product: Credit reporting

I received an alert from Equifax that I had a new account reported from University XXXX XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX ( XXXX ) and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. Equifax has been notified that this is a fradulent account yet they have failed to remove it. I am undergoing a mortgage process and need this account off of my report ASAP.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report and seen accounts that wasnt mine so I contacted m bank to have them to freeze all my accounts until further noice
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX, and I am formally writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

This letter serves as a formal request to investigate and correct the following inaccurate items in compliance with the statutory requirements outlined in the FCRA.

Furthermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S. Code 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report Please address this matter promptly and confirm the removal of the disputed entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken with XXXX XXXX about how they are reporting my student loans. I requested a payment schedule showing the payments Ive missed and theyve failed to properly do so. The incorrect payment history is causing great damage to my credit report. 

It is showing that my first missed payment was reported as 90 days late on XX/XX/2015 but I paid it on time in XX/XX/2015. Arent they supposed to report my first missed payment as 30 days late since I was on time the month before?! 

This is impossible. Ive attached the letter theyve sent me that they said its reported correctly and Ive also attached what is being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization 2 times. I did not XXXX this company authorization to review my credit report. Furthermore, I have an active fraud alert on my credit report. The FCRA requires that upon seeing a fraud alert on a consumers file, you must take steps to verify my identity and confirm that I am in fact the person making the application for credit. I was never contacted by your company at any time. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me a letter indicating your intention to delete the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have checked my credit report and noticed some fraudulent activities on my report. I did a FTC report and included it below of all fraud accounts and names and addresses. 
I have never lived at these addresses:XXXX XXXXXXXX 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 I never worked here : XXXX XXXX XXXX I never authorized these inquires : 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations and case that pertaining to my case attached in XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal  Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Money transfer, virtual currency, or money service

i was defrauded through my checking account and the use of XXXX through the chase platforn< i thought i had protection from the institution but they said i was scamed not defrauded.. there fore they put the money back in my account and then reversed that trasaction. im a XXXX  citizen and i think there industry is disingunuos about scam vs fraud..i believe if that was the case and they were upfront about it people wouldnot deposit money into their checking accounts ... ... ....
Product: Debt collection

I recently had the opportunity to pay off old debt from over 5 years ago ( they were not one of the creditors ) and then I was told that they called me to set up a payment plan but I don't remember doing that yet they keep trying to run the payment through. I'm not sure how they got my debit card number unless they got it from the original creditor. I tried to reason with them but the only response I got was that if I didn't set up a payment plan, they were going to sue me and I should expect a service processor soon. No one gets a heads up of being served. I'm from a family of attorneys. I know how these things work. I have tried to reason with these people but there is no reasoning. They are dangerously close to getting sued for harassment. It needs to stop. 

Thank you
Product: Debt collection

Today XX/XX/year>, I was alerted by credit karma that I had a new collection by CASHNETUSA. They mentioned that it " I '' took out the loan in XXXX. This couldn't have been possible due to my current situation. This is the second time this has happened where CASHNETUSA has shown up on my account/credit/debt claiming that I owe a debt i've never taken out. I believe that CASHNETUSA may have something to do with this fraudulent behavior because I've personally never been alerted to ever taking out anything. I will be looking more into this myself and will take legal action if necessary. The amount was for over XXXX.
Product: Debt collection

Someone subscribed to XXXX XXXX using my name, phone # and SS #. The address is a XXXX MI address and I live in XXXX MI. I am getting calls saying that I owe {$1100.00} to XXXX XXXX and the calls are coming from Receivables Performance Management. 
After getting these calls I checked my credit report and see that XXXX XXXX had done a credit check on me before opening this account. I wish I would have noticed that earlier and informed them that this was not me requesting service from XXXX XXXX. 
I do not live at the address that is subscribed to XXXX nor do I know anyone who lives there. The email address that was used was not my email address and that is why for the last year I was not getting the online bills.
Product: Money transfer, virtual currency, or money service

Had a problem with my cash app not working so I attempted to call customer service but ut wasnt one.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX and I am a victim of identity theft. I have attached an identity theft report and notice. Please see attached.
Product: Credit card or prepaid card

I was not informed the payment was due. I was in XXXX Texas at the time dealing with a natural disaster hurricane disaster flood.
Product: Credit card

I have fallen victim to a scam of an XXXX XXXX XXXX My understanding as to the rights I have as a consumer is that I have the ability to dispute charges that were made from a company that provided products that were not provided as advertised. I tried to dispute the charges in the amount of {$33000.00}, but am unable to get my money back due to Robinhood Credit Inc. not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Robinhood Credit Inc.XXXX I have not yet paid any of the charges due to me still disputing the charges with them. Robinhood Credit Inc., along with the other credit card companies have told me they are reporting it to the credit reporting bureaus and it will/already has hurt my credit score. I am not satisfied with the results of the disputes made with Robinhood Credit Inc.. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX was in fact an illegal scam site, designed to lure people like me and steal their money. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Robinhood Credit Inc. has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXXXXXX XXXX  is a scam website, stealing victim 's money and not providing what is advertised. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : AGA and State regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the evening of XX/XX/2019 I called the AAFES Military Star number to report I was a victim of identity theft and a Miltary Star Card was opened in my name. The representative refused to take any action to prevent charges on this card and refused to file a report. I was told to call the fraud department in the morning. I called the fraud office and they asked me to send an email which I did. I called back to confirm receipt but the AAFES representative initially refused to contact the fraud office. They promised I would receive a letter but I havent. AAFES has not taken any action and is guilty of malicious libel criminal negligence by allowing a fraudulent card to be opened and continued to be used and is breaking the law by not complying with Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Card Being reporting with the incorrect limit Not {$8600.00}. 
Correct limit is {$10000.00}
Product: Checking or savings account

Hi there I have opened a premiere checking account in HSBC in XX/XX/XXXX using the following link ; https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/? XXXX & XXXX & XXXX The promotion clearly stated that if I open and account until the end of 2020, I would get % 3 cash back up to {$100.00} a month for 6 months. To fulfill this requirement, I have moved my salary payments to this account and I have been getting my direct deposit s to this account since then. I have reached out to HSBC many times and asked about why I am not getting any of my promotion and was told that I didn't click the " right '' link to open a premier account and thus they were not going to give me the bonus that was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # 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 an account without my written instructions.