23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My XXXX account was hacked and ( XXXX ) purchases managed to slip through before it was locked. XXXX was admitted it was fraud ( and sent one piece of evidence in an email ). My Truist XXXX credit card was attached to this account. Truist says that I still owe the {$2300.00} despite having neither purchased nor received the ( XXXX ) items. I've filed a cyber fraud case with the FBI. XXXX gave me a Service Reference # which I've offered to give to the folks at Truist ( by phone ) on my third call to them. They would not take it. I'm quickly gaining experience in this, unfortunately, but I'm still not sure why XXXX is forcing the responsibility onto Truist to contact them for the evidence. It does not give me hope as the the first claim at Truist was denied without due diligence. My dispute for that decision was filed XXXX. I called today XXXX and they say they are not aware of my dispute of their decision. I will be visiting a local branch on Friday to get some answers from a manager, as per the agent 's recommendation.
Product: Debt collection

I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to Equifax XXXX ( XXXX ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices.
Product: Credit reporting or other personal consumer reports

I am writing to report what appears to be double jeopardy in debt collection practices involving XXXX XXXX XXXX and XXXX XXXX XXXX. I incurred a debt with XXXX XXXX XXXX, which was subsequently sold to XXXX XXXXXXXX XXXX without prior notice or consent. This has resulted in overlapping collection efforts by both entities, potentially violating the Fair Debt Collection Practices Act ( FDCPA ) and raising concerns under the Consumer Financial Protection Act ( CFPA ). I request that the CFPB investigate whether XXXX provided proper notice of the debt sale, assess XXXX 's compliance with the FDCPA and other relevant laws, and determine if any unfair practices occurred during the debt transfer and subsequent collections.
Product: Debt collection

this was a result of a fraud account approved by Synchrony Bank acct # XXXX fraud balance {$740.00} this was disputed with Synchrony Ban bacl when account was Opened and deleted from credit reportsand now Synchrony bank has placed this fraud account back on my credit report this was due the XXXX Breach
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS ABUSIVELY CONTINUING TO REPORT INACCURATE PERSONAL INFORMATION Despite more than 12 disputes and proof of identification for the last 24 months, Equifax again has yet added a fraudulent address and account to my credit report. And refuses to fix. 
My name is XXXX XXXX. I am attaching my XXXX XXXX  Card and State Drivers License for verification purposes. 
My legal, residential and complete physical address is : XXXX XXXX XXXX XXXX, XXXX FL XXXX. All other addresses are fraudulent and do not belong to me, THEY MUST BE REMOVED IMMEDIATELY per FCRA.
Product: Checking or savings account

i went to open a bank account with GM Financial, when inquired about why i was denied the bank teller told me it was because i had a outstanding balance. GM Financial never notified me that they were going to report this information to any consumer reporting agency and the information they reported was not completely accurate per the FCRA. I am a single father needs a bank account to receive funds to take care of my family. this denial hinders me from caring for my family. Failure to remove this information will result in me seeking legal remedy
Product: Debt collection

I booked a travel package with XXXX for a trip to XXXX, XXXX for the duration of XXXX XXXX to XXXX XXXX. When I landed in XXXX on XX/XX/XXXX found out that the hostel stay and private car transportation were CANCELLED. This termination was not done by me : the flight overseas encountered many delays including a hotel stay overnight in XXXX, Massachusetts. Without a proper accomodation in XXXX I returned to the USA on XX/XX/year> through XXXX XXXX. 
I blame XXXX for the NON-COMPLETION of this voyage and all hardships encountered in this disatrous adventure.
Product: Checking or savings account

I wrote a check to someone. I confirmed with him that instead of cashing the check I would XXXX him. I sent him the XXXX payment and moved funds out of my checking account to my savings account so that the balance would be lower than the check amount and the check would not be accepted. Instead, PenFed authorized an overdraft from my savings account which I never agreed to at any point. I was also charged an overdraft fee of {$30.00}. I want my {$1500.00} back.
Product: Checking or savings account

I am being charged overdraft fees for payments that did not take my account into overdraft. 

It is because the bank is holding onto the payment and processing it says later than it was authorized. 

I have contacted Well Fargo to request refunds and I am told that there is nothing that can be done about the issue.
Product: Mortgage

There is two current issues with this Homepoint financial mortagage company. First there are reporting I owe them XXXX to the credit bureaus I do not owe them this amount I owe less. This has affected my credit. Second issue is they are trying to force escrows on my mortgage account and trying to charge me for taxes that I already paid myself I sent them the receipt. This is predatory lending practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I did NOT give any Credit reporting agencies to give my private information to any other 3rd parties or permission to collect my private information ( per 15 US Code 1681b ( a ) ( 2 ) _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report ). But XXXX XXXX is still showing on my credit file ( No consent is Identity theft ) 2 ) XXXX XXXX reporting many incorrect and non matching information including : -still reporting an open account as of XX/XX/XXXX. 2023. But has admitted the account was transferred in XX/XX/2023 -communicating In last/recent CFPD complaint that I owe 1 month payment. But I have a statement asking for 3 months payment -saying I owe 1 month payment, but recently reported to credit bureau that my account as up to date for all payments 3 ) TransUnion currently shows 2 active mortgages ( all with same info only different mortgage companies ) on my credit file. which is incorrect 4 ) Also TransUnion received original complaint XX/XX/2023, but did not give a response in the lawful 30day timeframe in which anything not verified within the 30days is to be deleted.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXXredit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge off : 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
Product: Credit card or prepaid card

Around XXXX XXXX, I received a fraud alert from VISA with three charges on it. Two were legitimate, one was not. The charge was for {$320.00} to XXXX cell phone service. I did not order the service and didn't want it. Within a day or so, XXXX delivered a package from XXXX which contained a phone. I did not activate the phone. I tried contacting XXXX online but could get not help. The same for phone calls. I was never able to talk to a person with either. I called the local store. They told me they could not help me, I needed to talk to the main office and gave me a phone number. Again, I was unable to talk to a person. I could not find out what they wanted done with their phone. 
VISA withdrew the charge. Last week I got a letter from VISA saying the charge had been reinstated. I called to complain, explaining I did not authorize the charge, I don't even know what the charge is for, and that XXXX would not talk to me. So, they agreed to do a re-evaluation. 
In the meantime, I again tried to get in touch with XXXX online and by phone to no avail. The local store gave me a couple of numbers to call. Again, all I got was computer generated voices. So, I went to the store located here. They said they could not help me and tried calling the same numbers they gave me and could not get through. Finally, they tried a third number and got an agent to talk to me. He told me the phone had to be returned within 5 days of receipt ( which I did not know ) and the only suggestion he made was to sell the phone to someone or use it. 
Today, I received a letter from VISA stating that since XXXX showed that I received the phone they had to let the charge stand and would not look into it any further. I have never denied that I received the phone. That is not the issue. I did not order it, I don't want it, and neither XXXX nor VISA are willing to take the phone back and remove the charge.
Product: Debt collection

Paramount Recovery Systems added collections to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever before yesterday. Paramount Recovery Systems put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I first reported the issue to the XXXX. Paramount Recovery Systems responded by sending me validation and verification of my debt, which was never in dispute.
Product: Mortgage

This is a scam against consumers during the early stages of covid19. I applied for refi with Loan Depot on XX/XX/XXXX, however due to lack of response and service from the loan officer XXXX XXXX, I escalated the issue to his boss XXXX XXXX. The issue is that the appraisal fee of {$490.00} was charged to my credit card when the loan docs state {$470.00}, fist mistake. An appointment was made for XX/XX/XXXX, when no one showed up I inquired about it and XXXX stated that the appraiser did a `` drive by '' and no interior inspection was required and due to social distancing protocols. This is where I feel this company is shady and should be investigated. Per XXXX I would be credited {$490.00} towards closing costs and not a refund to my credit card. Fine, but then the rates went down again and I received a proposal from a competitor which I then forwarded to XXXX to give him an opportunity to o see if he would consider a match and that's when he went silent so I had to escalate to his boss Mr XXXX. Mr XXXX took my information and said he'll see what he could do. Three days later her returns another proposal that while it gave me the percentage I wanted, it was going to tack on a larger amount to the loan which I did not want, so needless to say, I went with the competitor which completed a full appraisal and a higher value to my home. So Mr XXXX handled the reimbursement which was only {$95.00}, I explained that he had it wrong and it was supposed to be a {$400.00} reimbursement and NOT {$95.00}, that is what the `` drive by '' appraisal was supposed to be. The Disclosure lumps all the fees in one line, line L of the disclosure so who knows what all is lumped in there as the total was {$3500.00}. When I inquired with Mr XXXX about the amount, he stated that the appraisal company, XXXX, sent a voucher for {$400.00}. So, I went to XXXX to ask WHO was responsible for the reimbursement and received a response from XXXX XXXX who stated that it was Loan Depots and she forwarded my request to a manager, XXXX XXXX, in the appraisal dept, that was XX/XX/XXXX, I have yet to hear from her or anyone form Loan Depots appraisal dept. Included with this complaint are all of the related documents and communication between us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I've grown an interest in monitoring my credit. I am ready to purchase my own home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these negative items from my report, they are indeed fraudulent and do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion through a certified letter in XX/XX/2018 asking for written validation of a collection reported on my credit report. I received a letter XXXX XXXX stating the results were verified and accurate and updated. However I did not receive written verification of the debt validation. I contacted the collection agency as well and still have not received the proof of validation. Therefore the debt needs to be completely removed off of my credit reports.
Product: Mortgage

I recently contacted XXXX approximately on or about XX/XX/XXXX to request an affordable Home Modification Plan as a result of circumstantial medical hardship. XXXX approved/granted me a Trial Modification Plan on or about XXXX. Trial Modification period was for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Surprisingly, in the middle of the Trial Modification Process, the new Bank, LoanCare made contact with me by letter on or about XX/XX/XXXX to inform me that my mortgage loan had been transferred. Confused, I contacted the bank, LoanCare with questions and concerns regarding the security of my home, Trial Modification Payments, and contract agreements I previously had with XXXX. Upon receiving the confusing news of my loan transfer, I had already submitted XX/XX/XXXX and XX/XX/XXXX payment to XXXX. I was informed by LoanCare Representative, XXXX ( XXXX ) on XX/XX/XXXX, to submit the final Trial Modification Payment to the new financial loan servicer. The Rep. also indicated to continue submitting new monthly payments until further notice. I never received any further notices, until I received a letter dated XX/XX/XXXX ; informing me that they were no longer honoring the Trial Modification agreement. And, that LoanCare would be making every attempt to foreclose if I did not satisfy 2 years of mortgage debt, which was the time-frame of my hardship. 

I also received an email from LoanCare Rep, XXXX on XXXX, citing erroneously of not finding or receiving my last and final Trial Modification payment in their system. 

I am very disappointed and stressfully concerned with the possibility of losing my home as a result of LoanCare 's unfair mortgage practices regarding the process of my approved trial modification plan. I feel that this large financial institution is taking advantage of an unsophisticated consumer such as myself, by engaging in unfair and/or deceptive conduct during my Trial Modification Process. I feel the cost of a mortgage is substantially more than the benefit the borrower receives from the loan. I am in need of urgent assistance from this agency to resolve this issue fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three comenity accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends Victorias Secret account.
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 information, accounts or 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 accounts or information which is 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 XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$590.00}, XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$520.00}. 
XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Debt collection

On XX/XX/XXXX I received a Credit Monitoring Alert that a Collection Agency called Debt Recovery Solutions in violation of FDCPA I had not received a letter or attempt to contact me allowing me 30 Days to Dispute. On XX/XX/XXXX I received a letter in the mail offering to settle for a discount at {$6000.00}. This Title Loan through XXXX in XXXX, Ohio was settled in full on XX/XX/XXXX with the return of the Vehicle and sold for settlement. I spoke to XXXX XXXX XXXX XXXX at Debt Recovery Solutions and explained to him that this had been resolved over 2 years earlier and I had an outstanding Credit Report that has never had a derogatory remark. He informed me that he was putting in a immediate delete with all 3 Credit Bureaus. I followed up by sending in proof that Debt was paid in full and this was settled. The emails were sent the same day to the Compliance Officer. I have been checking my Credit Report and it still has not been removed. I filled disputes with all 3 agencies on XX/XX/XXXX. This company has been sued in multiple class action lawsuits and has more negative reviews with the XXXX. The agent was polite on the phone but the company did not follow through. Please get this off my Credit Reports!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i was using my credit card from 3 years with XXXX and this year in 2022 I decided to get another credit card and i found out that there are multiple files are open on my credit file so i first contacted with Equifax I disputed many times and it started in XXXX and I never got any solution for it and in XXXX i decided to contact XXXX XXXX i ask them for my credit report and when i got it i saw incorrect information like addresses and phone numbers also car financing and some other inquiries when i sent the report back they said i have wait for 30 days to get your information update and i waited then I called them again after 30 days but they said i have to wait or XXXX to XXXX business days and i waited then I called again on XX/XX/XXXX and they said my ids are not valid so i have to send my passport and driving license and sin number! They mixed up my file with someone and they are not even trying to fix it so I would like to sue them for it if possible?
Product: Checking or savings account

Business checking account was closed due to " suspicious activity '' on XX/XX/2023. At the time of closing, I had {$16000.00} in the account. After a few days received a cashier 's check for {$100.00}. After multiple attempts to contact customer support and visited branch they requested documents from my other bank who sent the funds ( {$15000.00} ). I sent the documents but after Two weeks they still cant release my fund.
Product: Student loan

I am writing to dispute the late payments that are appearing on my credit reports for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX associated with my Mohela Dept of Ed  Acct # XXXX. I firmly believe that these late payments are inaccurate and unjustified. 

It is inaccurate to report 90 days late in XX/XX/XXXX when there in on time payment reported the previous month in XX/XX/XXXX. There are only 30 days in between XX/XX/XXXX and XX/XX/XXXX so it's impossible, inaccurate reporting, and a violation of the FCRA to report 90 days late after an on-time payment the previous month. Therefore, the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX late payments are reporting inaccurately and in violation of the FCRA as well. 

Also, these late payments are in violation of15 USC 1681eb which clearly states, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''.