23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

For 2.5 months I have been trying to get Ally Bank to report my account as paid in full. I paid my loan off early and have never missed a payment. They are still showing the account owes $ XXXX on credit bureau reports. The bank has refused to do anything about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian responded to my complaint " Company responded there is an unauthorized third party on XX/XX/XXXX The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed ''. 

I XXXX XXXX born XX/XX/XXXX give permission to Experian, and I authorize Experian to proceed with my claim of Identity theft.
Product: Debt collection

This is a matter of false claims and it does have to with other violations that have been committed here and everyone also involved in this matter.as documented evidence proves which I am more then happy to sit down to discuss this with an agent like I have with the OIG because since there is fraud alleged here and a lot of retaliation has occurred here it would be best for me to meet with and sit down with a federal so the agent can see for them self to what is going on here and what I have been through to date.
Product: Debt collection

Ad Astra recovery se account # XXXX, originally a XXXX XXXXXXXX account is not mine. Per 15 U.S.C sec. 1681i ( a ) the laws states that a thorough investigation must be conducted providing accurate proof that this account or debt belongs to me and all information including signature must be accurate otherwise this MUST BE DELETED TO AVOID FUTHER DAMAGE TO MY PERSONAL CREDIT AND NAMESAKE! This account is illegitimate and was NOT my doing. Also it is someone else signatures.
Product: Credit reporting or other personal consumer reports

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

I call Experian to remove inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you in reference to my XXXX XXXX ACCOUNT account. I have implemented significant changes and gained valuable insights. Presently, I am responsible for tending to my ailing mother and looking after my XXXX children. Despite these obligations, I remain dedicated to my military service and enhancing my financial standing. I am writing to discuss discrepancies in my credit reports from XXXX, XXXX, and Equifax. " PAYMENT HISTORY BEING INCONSISTENT '' The presence of a collections account on my credit report is hindering my ability to purchase a home, secure essential loans like refinancing, cover my mother 's medical expenses, and acquire a vehicle due to my current non-operational car. Furthermore, this situation has caused significant challenges for me, particularly as a service member with a security clearance that necessitates " financial stability. '' Despite having settled the account in full, it continues to negatively impact my credit. I respectfully request that you consider removing this account from my credit reports ( XXXX, Equifax, and XXXX ) to assist me in achieving financial stability. I am deeply disappointed with the unhelpful response from the representative in the credit bureau reporting oversight department. Despite providing supporting documentation and requesting a re-investigation, we were met with the same dismissive response. As a service member, we expected better treatment and a more thorough review of our case. We hope for a prompt resolution to this matter and look forward to your urgent attention. Thank you for your assistance. If you have any questions or concerns, please do not hesitate to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed a online dispute with Equifax and informed them of identity theft I have been a victim of. I disputed multiple items, please see attached, and supplely they investigated the issue, remind you less than 12 hours they have a final decision. This is XXXX, they did not investigate this. I am a victim of identify theft and the items on my credit i reported to Equifax I did not make
Product: Checking or savings account

On XX/XX/XXXX, I received several calls from a number that was impersonating a Chase bank branch. It turned out it was someone who was stealing my information, and added my card to their digital wallet. They 18 different withdrawals of varies amounts, totaling to $ XXXXI called chase immediately to terminate my card, and made a claim over the phone. I have opened a claim with chase, which was denied on XX/XX/XXXX, and closed due to saying that it was " authorized ''. I reopened the claim and sent my proof it was NOT my husband or I making these withdrawals, and it was again denied on XX/XX/XXXX. 

The withdrawals were made in XXXX, IL, however my husband and I who are the only ones that have access to the account where both on a trip in California at the time, so neither of us would have been able to make these withdrawals from XXXX, IL. I have documentation of the call log, the withdrawals, the fraud alert text message I got, the text asking to add card to new device, and proof we were out of town at the time of the withdrawals. I need assistance getting this fraud claim to be approved and the funds returned to our account as it was not us who authorized this purchase, and that the chase bank was being scammed and impersonated.
Product: Credit card or prepaid card

when taking advantage of a low interest balance transfer offer i was charged higher than the advertised interest rate. I was told that the interest was being charged for new purchases even though I was paying new purchases off before the payment due date. After 2 months and {$190.00} and {$88.00} of interest and 3 calls to to customer service to get clarification i paid off the balance transfer in full so counting the transfer fee of {$500.00} I am out {$900.00} of fees and interest with getting the benefit that was advertised to me
Product: Checking or savings account

I had a checking account with Bank of America, and in the period from XXXX to XXXX Bank of America charged my checking account unfairly with multiple overdraft protection fees to cover their monthly maintenance fees of {$12.00}. 
I had never over-drafted my checking account myself. Bank of America used to withdraw an amount of {$100.00} from my credit account and transfer it to my checking account when it was over withdrawn without consent to cover their monthly maintenance fees of {$12.00} plus {$35.00} overdraft protection fees. 

Bank of America, used to withdraw from my credit account a higher amount than the maintenance fee amount with the intent of maximizing the charged interest and transfer fee per transaction. This is an unfair and deceptive practice because it increased my monthly payment due over time, and has damaged my credit score at the three credit bureaus XXXX, XXXX, and XXXX by reporting inaccurate information. 

Bank of America breached its contract and improperly assessed and collected overdraft fees and interest. Furthermore, the practice itself violated the Fair Credit Reporting Act ( FCRA ). FCRA allows consumers to seek damages of $ XXXX {$1000.00} per violation. The violations occurred multiple times between XXXX and XXXX. I reserve my right to take all necessary steps to protect my rights and recoup damages. 

In addition, I demand Bank of America perform accounting and produce bank statements of my checking account. I request as well a refund of all the improper fees, reverse any improperly charged interests and correct any miscalculations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX  due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.
Product: Debt collection

I contacted Resurgent Capital Services ( RCS ), a debt collection agency, regarding a fraudulent account back in XX/XX/XXXX. I submitted all required documentations to verify that the account was indeed fraudulent. Upon completion of their investigation they found the account to be fraudulent, and sent me correspondence that the account would be closed and deleted from my credit report. The letter they sent out was dated for XX/XX/XXXX. Upon checking my credit report XXXX XXXX, the account was still on my account as accurate. I then submitted a dispute with XXXX because the debt collector was still reporting the account as negative and accurate. I called RCS again in XX/XX/XXXX, and they told me the account was closed and was fraudulent, and sent out a new letter dated for XX/XX/XXXX saying they would delete the account and have it updated.
Product: Credit card

Comenity Bank calls me numerous times every single day mostly from a blocked number or a XXXX number. They called me XXXX XXXX XXXX XXXX XXXX about my bill. I just want them to stop XXXX  me.
Product: Mortgage

Suntrust Mortgage has been trying to collect unauthorized fees and charges they say are due on my mortgage account incurred during a personal bankruptcy. Suntrust refuses to return my calls, provide ANY documentation invoicing or accounting of mentioned fees in spite of request to do so by legal council. Suntrust states these charges were incurred during a personal bankruptcy. Charges authorized under this bankruptcy were authorized and paid in full ONLY by the bankruptcy trustee. Suntrust was duly notified by the bankruptcy trustee that ALL debts and charges were satisfied in full. This bankruptcy has been satisfied for over two years. Suntrust refuses to accept mortgage payments, provide ANY statements, documentation or legal correspondence regarding this issue in spite of demands to do so by legal counsel and myself. No one at Suntrust will take responsibility for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified letters to Experian Information Solutions Inc. regarding 21 negative items reporting on my report, asking them to validate the debt. After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. Instead both Experian my request all together and did not provide verification. In XX/XX/XXXX I sent certified letters to Experian and explained to them that I previously requested verification documentation with original agencies and received no response. They opened up a new dispute on XXXX XX/XX/XXXX, After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. In XX/XX/XXXX I sent certified letters and explained I did not receive correspondence in the mail. I asked to get a copy of the alleged verification and was denied. As a consumer if I am disputing something on my report I am entitled to copies of documentation in response to my request and Experian has failed to provide the information requested. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract ( a consumer contract with my signature on it ) - any and all accounts they post on a credit report. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply and they have not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was just calling about my background check you guys did the first advantage the warrent that said it was issued on XXXX has been squashed also I did not plead guilty to XXXX  XXXX I pled no contestSentencing you guys have is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY DID NOT RESPOND TO ANY OF MY DISPUTE LETTERS WITHING 30 days According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX/DOFED ( XXXX ) - ( XXXX ) XXXX XXXX/DOFED ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Checking or savings account

On XX/XX/18, someone was able to hack into my computer through remote access, getting through our firewall and passwords and install ransom ware on the network. We now know they were on my computer prior to this date. 
On a Tuesday XX/XX/18 I noticed and reported a fraudulent check for XXXX was sent via Bill-pay out of my account to a person ( XXXX ) in  XXXX, FL. The check was endorsed and deposited on Friday XX/XX/18 into an account at XXXX XXXX in Florida. I never used the Bill-pay service or set it up, but the on-line criminal was able to set all of this up. 
On the same day XX/XX/18, a second fraudulent check for XXXX was issued by TD Bank to the same individual who received it and endorsed it on XX/XX/18. This 2nd check was overdrawn on the account by {$10000.00}, since the 1st check cashed on the XXXX, yet TD still sent out this second check. It was presented at XXXX XXXX and was not cashed as the account was locked on XX/XX/18 after the fraud activity was reported. The fact that this check was written and sent when there was insufficient funds in the account is one of many issues that does not make any sense. 
I learned that this on-line thief set up a new profile within the bank as me. Then they linked a couple of my accounts to this new profile. Absolutely no security was in place that could allow this to happen. I never received any notifications that I was changing user name or passwords. No notifications of setting up Bill-pay service or a new Payee. Never received notifications for anything. 
The issue was reported to the local police, Detective XXXX of XXXX Police. 
When this was discovered and reported, bank personnel explained the process of reporting the fraud and it can take 10 days to get you money returned. 
On XX/XX/18 I was told that this will take up to 90 days and that I would hopefully get back any money still left in the account in Florida. I was told to sit and be patient. 
Today I received a call and learned that I was only going to get back XXXX of the XXXX stolen. This is totally unacceptable to me. This is a real lot of money that I borrowed from TD and still paying interest on today. 
TD Bank was negligent in protecting my money. A cyber intruder was allowed to setup a new profile, link my bank accounts on the phone or online? From experience, I would be required to go to a branch, provide my license, just to start the conversations. Changing Profile and password is a big deal anywhere in today 's world. After five weeks, I am given nothing that would indicate that they TD followed proper  security procedures and protocol. 
TD Fraud was notified on XX/XX/18 and did not contact XXXX  XXXX for weeks. I do not know the exact date but it took way too long when pursuing issues where time is of the essence. A more reasonable reaction may have recovered all of the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX Balance XXXX {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX Balance {$320.00} ; XXXX XXXX XXXX Balance {$73.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX  XXXX XXXX ) XXXX  Balance {$120.00} ; XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX  ) XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$3100.00} ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Debt collection

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

A false derogatory mark was added to my credit report regarding a bill that was paid before its due date. I disputed it on XX/XX/21 and it was removed from credit report on XX/XX/21 unfortunately my credit score only went back up twenty-seven points after being knocked down by eighty points.