23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX {$360000.00} XXXX XXXX
Product: Credit card

I had XXXX fraudulent transactions occur on my Citi credit card totaling to almost {$900.00} so I called and informed them. The transactions occurred on XX/XX/XXXX and the XXXX, I called and reported them on XXXX. XXXX of the fraudulent transactions were handled by the XXXX however I still have the XXXX most expensive still on my account today, XX/XX/XXXX XXXX. I have called four times all together now, each time I was told that things were still being handled until today. Today when I called, I was told the XXXX transactions that were still on my account have actually never been reported although I have called in three other times and told them the exact name of the transactions and the exact amount and reported they were not my charges. I also spoke to an online representative about the situation. My complaint is why was it not handled until today and why was it never noted as reported even though I have called multiple times. Now since the charges have been on my account for some time I believe it has affected my credit score, not much but to my understanding it should not have affected it at all. I was told today that the credits should be posted to my account within the next five to seven days and the person I spoke with today reported them while I was online but the transactions should have already been reported based on my calls.
Product: Debt collection

BANK OF AMERICA HAD BEEN TOLD NOT TO CALL ME REGARDING A DEBT. I HAVE FILE NUMEROUS COMPLAINTS AND THEY REFUSE TO DO ANYTHING ABOUT IT. THEY CALL ME TWICE A DAY ON THE SAME PHONE.
Product: Mortgage

My house was illegally foreclosed on XXXX/XXXX/2015. The bank did not generate documentation that they legally hold the original deed and the title nor they showed any interest in numerous modification attempts that I tried. Please help me resolve this situation and get my house back to me. I know for a fact they have fraudulently foreclosed on me and the mortgage audit has shown that they have committed a securitization fraud at least.
Product: Credit reporting or other personal consumer reports

Delete for inaccuracy because the payment history profile reflects continued reporting after this account was closed on XX/XX/year> Disputing under FCRA Section 607 ( b ) and Section 611 ( a ) ( 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

The month of XX/XX/XXXX andXX/XX/2017it has reported that i was 30 days late on my payment. I did not have a late payment. Bank of America is the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX, has violated my rights Account # XXXXXXXX XXXX, has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights Account # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX had violated my rights Account # XXXX XXXX XXXX has violated my rights Account XXXX 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 a account without my written instructions
Product: Checking or savings account

I'm filing a complaint with TD Bank because my claim for unauthorized transactions made between XX/XX/XXXX and XX/XX/XXXX using my TD Bank debit card was denied. I noticed the debit card was missing when I logged into my online checking account on XX/XX/XXXX, and discovered the unauthorized transactions. I immediately called customer service to have the account closed, and to file a claim for the fraudulent transactions. I told the customer service representative that the card must have been lost around XX/XX/XXXX because that is when the unauthorized transactions began. The last time I remember seeing the debit card is when I made an ATM cash deposit on XX/XX/XXXX for {$1800.00}. I hadn't made any transactions before the debit card was lost. Nevertheless, the next day, XX/XX/XXXX, I received a provisional credit for {$2000.00} pending completion of the claim review. I then received a final resolution letter dated XX/XX/XXXX informing me that the review had been completed, and a determination was made that an error hadn't occurred. The reasons for the denial were that the transactions were authorized by me, and the spending pattern is consistent with previous account history ( see attached letter ). The only previous account history is when I lost a previous TD Bank debit card in XXXX, and there were unauthorized transactions on the account made mostly in XXXX, FL. The transactions that were made with this debit card were made in XXXX FL, and none of the transactions were identical to the transactions made with the first lost debit card. It's an error in review to clam the latest fraud transactions are similar to transactions authorized by me when I don't have prior authorized transactions.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602, states I have the right to privacy ( 15 USC 1681 SECTION 604a section 2 ). It also states a consumer reporting agency can not furnish an acct without my written instructions under 15 USCS 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. 

Acct in question : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX  account # XXXX date XX/XX/XXXX, XXXX XXXX XXXX XXXX  date XX/XX/XXXX amount {$100000.00}, account XXXX XXXX XXXX {$490.00} date XX/XX/XXXX, account XXXX XXXX XXXX XXXX {$820.00}, XXXX XXXX XXXX {$1000.00} XXXX has violated my rights. 
15 U.S C 1681 section 602A stats I have the right to privacy.

15 U.S C 1681 section 604A section 2 it also state a consumer reporting agency can not furnish a account with my written consent
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX  XXXX ; XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was never late. Thanks.
Product: Debt collection

Hi, Im writing to you regarding an account that I had with XXXX XXXX. I just found out that I had a {$22.00} balance past do for many months ( It is been paid ) .... never got a call from them or a later colecting the balance so as a result my credit was really damage and Im not being able to get a credit card that I really need. 
Im been traying to rebuilt my credit little by little and this is big set back. 
I need help Thank you XXXX XXXX
Product: Debt collection

On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with RADIOUS GLOBAL SOLUTIONS, LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

{$470.00} was deposited four times into someone else 's account instead my account. This is my child support money.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. collection agency XXXX XXXX reported on credit report Equifax with balance {$40.00} open balanceopened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate. 

2. collection agency XXXX XXXX reported on credit report Equifax with balance {$58.00} open balanced opened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate. 

3. collection agency XXXX XXXX reported on credit report Equifax with balance {$120.00} open balance opened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate.
Product: Credit card

Someone used my personal information to apply for an allegiant air credit card through Bank of America. The application was submitted on XXXX XXXX. I had a credit freeze in place so the application was blocked. I received a notice of this on XX/XX/XXXX.
Product: Mortgage

A bank representative called my daughter at work about two ( XXXX ) weeks ago to discuss my mortgage and due to the fact that her name is not on the mortgage, she asked him to hold on while she conducted a two-way to get me on the line. 

Once I got on the line, he wanted to know if I was intentions on the current home in which I reside, and I stated that I wanted to keep my home. 

He then went on to say that he needed to ask me two questions to qualify me for the Modification process, I said alright. 

XXXX. Do you want to continue to reside in your current home at ( address, city, state, zip code ), and I stated that I did not quite understand what he was saying. My daughter then spoke up and restated the question and said that I must answer each one with a " Yes or No '' response. I then answered that question, " Yes, I want to do all that I can to keep my home. '' 2. If by some miracle your mortgage is made current, would you be able to resume your payments? I said, " Yes, I would. '' After that, he stated that is all of my questions. I then asked him, well, " What are the terms of the modification? He stated that he did not know, but that I would receive an email in a few days whereby i could check the website for more information and that the mortgage company would send me a letter. 

Well, my daughter stated that I did receive an email stating that they were processing the modification and would be contacting me shortly. With this, she went in and created an account and to her amazement she said that she noticed that they wanted me to pay a whopping {$13000.00} for the next six ( XXXX ) months beginning XX/XX/2024, to catch-up the arrearages. She said, she didn't want to get me upset, so she just kept it to herself in the event they were still in the process of calculating the numbers, however, I received a telephone call on Tuesday, XX/XX/2024, confirming what she saw. 

The mortgage company stated that I would need to pay at least {$13000.00} from XXXX through XX/XX/2024 in missed payments. I could not believe what I was hearing. I stated to them, if I couldn't previously pay the lower amount, where in the world do you think, I am going to get this {$13000.00} from? The rep stated, I am sorry this is the best that we can do, I said alright. 

This hurt me to my heart! It was as though they set-me-up for a let-down. They knew I couldn't afford that type of astronomical payment and I feel as though they are using Seniors such as myself as " prey '' in which to feast on with these mortgages to do harm to instead of trying to give assistance to. It's not like they don't have my entire financial history sitting right there before them. 

They have to be something out there for seniors like me!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT DISPUTE HAS BEEN DISCHARGED AND I AM NO LONGER LIABLE TO THIS ACCOUNT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE.
Product: Credit card or prepaid card

Three yers ago I used my citi credit card to buy XXXX XXXX XXXX for about {$40.00}. Year later ( XX/XX/XXXX ) I found unauthorised charged from them for {$100.00} and got my money back at that time. Because XXXX is acting like fraud company I switched to XXXX and XX/XX/XXXX bought the same soft ware for the same market prise about $ XXXX.But XX/XX/XXXX,  surprise, most impudent company never sleep, again unauthorised charged from XXXX  {$100.00}. I got conditional credit from citi, but recently recieved letter dated XX/XX/XXXX from citi card company : " Marchant has provided the additional information. ... Since there is no detailed description of merchandise, we are unable to assist you ... Investigation is complete. We rebilled charge along with any related fees and interest charges. '' Is this just absurd or something worse?
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts showing on my credit report
Product: Checking or savings account

Dear CFPB, I am filing a second complaint ( following # XXXX ) regarding U.S. Bank 's recent actions concerning my accounts and those of my minor daughter, XXXX XXXX XXXX 

U.S. Bank is planning to close several of my personal, business, and credit card accounts ending in XXXX, XXXX, XXXX, XXXX and XXXX on XX/XX/year>, without providing a clear explanation. Simultaneously, they have requested that I increase the credit line on XXXX of my remaining accounts. This creates confusion. 

Furthermore, U.S. Bank has involved my XXXX daughter, XXXX XXXX, who also has a deposit account with them. 

I have attempted to obtain a clear explanation from U.S. Bank, but their responses have been vague and unsatisfactory. While I understand they may have the legal right to close accounts, they did not disclose this right during account opening, especially the personal, business, credit cards and line credit accounts opened by XXXX XXXX XXXX. 
and his suggestions. 

I believe consumers deserve transparency and a clear explanation, especially when the actions involve a minor. These actions may negatively impact my financial standing and my daughter 's future. 

I request that the CFPB investigate this matter and take appropriate action to protect my rights and those of my minor daughter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX : XXXX XXXX Transunion : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed XX/XX/XXXX due to my report on fraud because I never opened the account. I never authorized the account to be added back on my credit report after the account was closed. The address on file was even wrong, This Company reported the account again on my credit report XX/XX/XXXX. They said it takes 30 days to update information regarding fraud but they waited 5 months to add somehting on my report without my consent which and the address on file is wrong never belonged on my report. The information was also added on my report wihtout my written consent as well which is ILLEGAL!!!! I can't even purchase my home due to the illegal activity by XXXX XXXX XXXX . I will open up a civil lawsuit claim for the illegal activity as well. After they originally found out the account was fraud it was added again.
Product: Debt collection

On XX/XX/XXXX  my ex boyfriend received a phone call on the phone line i previously had and stated that a debt collector was looking for me and leaving voicemails on his line, when he called the debt collector back to obtain information, they stated they were looking for XXXX XXXX. He would not have know that was debt collector had they not had specified that on the voicemail. Now, he has my personal information and knows there is a debt allegedly out there for myself. This is 100 % against the FDCPA 's voicemail standards as they are not supposed to identify themselves on a voicemail as a debt collector unless that voicemail specifies that specific person 's name on the voicemail.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation has been imposed in error, as I have consistently adhered to PayPal 's policies and guidelines. 

I have reviewed PayPal 's policies thoroughly and can confirm that I have not engaged in any activities that would warrant such an action. My account has been used solely for legitimate transactions, and I have always strived to maintain a clean and trustworthy presence within the PayPal community. 

Given the above, I kindly request that PayPal re-investigates my case with a view to lifting the permanent limitation on my account. I understand the importance of maintaining the security and integrity of the PayPal platform, and I am committed to cooperating fully with any necessary steps to verify my identity and account activity. 

I appreciate your attention to this matter and kindly ask for your prompt assistance in resolving this issue. Restoring my PayPal account would greatly benefit me and enable me to continue using PayPal for my financial transactions without disruption. 

Thank you for your understanding and cooperation. I look forward to a favorable resolution of this matter.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX  XXXX : XXXX XXXX REPORTING 11 LATE PAYMENTS. DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX  XXXX REPORTING 15 LATE PAYMENTS. DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT AMOUNTS UNDER THE SAME ACCOUNT NUMBER- SHOWING AS CLOSED XXXX ) US DEPT ED : REPORTING AS CLOSED ACCT- DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT AMOUNTS UNDER SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : {$2300.00} - REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT 5 ) XXXX XXXX XXXX XXXX XXXX  REPORTING AS COLLECTION- DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX  REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : $ XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : XXXX  XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX REPORTING AS SOLD TO ANOTHER LENDER- CHARGE-OFF- DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER. 
XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX REPORTING AS XXXX XXXX XXXX XXXX : $ XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX REPORTING AS CHARGED OFF XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX REPORTING AS COLLECTION /CHARGE-OFF ACCOUNT DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT ACCOUNTS XXXX ) XXXX XXXX XXXX- REPORTING AS CREDIT INQUIRY.