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

Monday XX/XX/2025, I went to Provident Bank at XXXX XXXXXXXX XXXX  XXXX and I opened a checking account. I deposited {$140.00} to open the account and later that day my account was frozen by the fraud department. I made XXXX XXXX transactions ( {$60.00} & {$1.00} ) and I received ( {$60.00} ). I tried to login into my account and I was informed by a message on my online banking and app the account is frozen. I call customer service and they informed me that the fraud department frozen my account for the XXXX transactions and I would need to go into the branch to verify. I went to the branch this morning XX/XX/2025, I spoke to the branch assistant manager who opened the account the previous day, I politely asked her to resolve my issue and contact the fraud department for the bank. She refused and said told me she cant do anything and wont call to resolve my issues and concern. I asked her to close my account and give me my money ( {$130.00} ) in the account. She refused and said that I have to wait for the investigation to be done. She was extremely rude and condescending, customer service is horrible and misinformed. They are holding my money hostage and refusing to resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted certified letters to the credit reporting agencies XXXX, Experian and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender XXXX. I received responses from the credit reporting agencies but not from XXXX. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

I received a notification on my credit report in XX/XX/XXXX that dropped my credit score a significant amount of points. I called the company listed, Transworld systems, to request more information as I was not informed of any unpaid debt. They verbally told me it was allegedly {$210.00} in application fees from apartment complex I had lived in from XX/XX/XXXX to XX/XX/XXXX and gave me a reference # and email to dispute the debt. I emailed them XX/XX/XXXX disputing the debt, citing required move-in fees with apartment letterhead and all my application fees with copies of the cashed ( by property ) checks. They then sent me a ledger by mail. On XX/XX/XXXX, I responded by email to the ledger sent by Transworld systems. After thoroughly reviewing the ledger, I find that it did not indicate any outstanding balance of {$210.00} or show any charges that would justify this alleged debt. The ledger provided by Transworld systems relates to charges from my move-out period, which is completely unrelated to the time frame in which the alleged application fees were incurred. There is no mention of any outstanding application fees in the documentation provided. The ledger is labeled as " revised, '' but there is no revision date or details regarding what was changed. This lack of transparency raises concerns about the accuracy of the ledger and its relevance to the alleged debt. I requested a fully detailed version of the ledger, including all revisions, dates, and the rationale behind any changes. 

I have not heard anything from Transworld systems and still see the charge on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While viewing my credit report and alerts. I observed several hard inquiries on my credit report that was not authorized or consented by me. I am requesting for the hard inquiries stated below to be removed from my credit file as this is damaging my credit score. I did not authorized this.

Transunion The following inquiries below were not authorized or consented by me. 

XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX  : XX/XX/2021 XXXX  XXXX- XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX/ XXXX- XX/XX/2021 XXXX  XXXX- XX/XX/2021 XXXX XXXX- XX/XX/2021
Product: Mortgage

In early XXXX of XXXX, I received notification from Fay Servicing , LLC informing me that they will hereby service my loan from settlement on XX/XX/XXXX, from a previous lender. 

As per the settlement HUD, a total of {$1600.00} was deposited with the lender as follows : County taxes ( {$890.00} ) Hazard Insurance ( {$740.00} ) On XX/XX/XXXX, Fay Servicing , LLC applied the full amount of {$1600.00} into the Escrow account. 

On XX/XX/XXXX, I received an Escrow Analysis from Fay Servicing , LLC claiming a shortage of {$1900.00} in the Escrow account. Despite the {$890.00} tax amount already deducted at settlement, Fay Servicing paid an additional Township tax of {$2500.00} on XX/XX/XXXX for tax year XXXX. The alleged tax payment amount of {$2500.00} is inaccurate and nearly 4 times greater than the annual estimated tax rate as per the XXXX property assessment value calculation. 

However, this incorrect amount was used to determine the alleged shortage, the required low point and other calculations resulting in a new Escrow payment amount of {$320.00}, an increase from {$160.00}, effective XX/XX/XXXX. 

On, XX/XX/XXXX, I contacted my account representative via phone and he stated that he would look into it but never followed up. I proceeded to contact Fay Servicing again on XX/XX/XXXX and was transferred to a new account manager who told me that the {$2500.00} tax was charged by the City of XXXX and that Fay Servicing simply paid it. I was told to contact the City of XXXX for a tax receipt and Fay Servicing would gladly correct any discrepancies and refund any charges. However, the representative did not offer to furnish any payment receipt ( s ) made by Fay Servicing. 

I contacted the City of XXXX Revenue Dept. and received an e-mail response on XX/XX/XXXX from a Revenue Collection representative clarifying that the property has and active Tax Abatement and that NO taxes were PAID nor DUE for the years XXXX and XXXX. 

I contacted Fay Servicing again on XX/XX/XXXX and spoke with yet another new account manager. As per our conversation, she informed me that she recently acquired the account and was unaware of the issue. She then searched to find that the issue was under review as of XX/XX/XXXX and was not sure when I would receive an update but stated, maybe in 5 days. She also facetiously replied that theres something called a pandemic going on right now and that things are busy. I completely understand. Ironically, Fay Servicing denied me Economic Hardship Assistance due to COVID-19 because the the investors decided that my loan doesnt qualify. 

As of the date of this writing I have yet to receive any correspondence from a Fay Servicing LLC representative regarding this Escrow issue.
Product: Checking or savings account

I have reached out to PNC on several occasions in regards to requesting a refund for fraud and when I spoke with a worker I was told that I had until XXXX to file a dispute. I filed the dispute prior to this date as I was trying to go back and forth to see if the company Beyond the chair would refund me as they are fraud. I've called several times on this account and asked PNC to file a dispute, but they refuse to reach out to the company who took my money for a service that was NEVER received. PNC doesn't want to dispute the charge. I've reached out and filed the dispute several times and submitted all the documents. On May I went to a meet and greet with business owners who scammed me out of {$990.00} and I reached out to them several times to get the ball rolling. This company didn't respond until I stated I'm getting my bank involved. During this time we got the process rolling to start and then they ghosted me. I reached out a lot to see if they can refund me. I then reached out to PNC and spoke with a rep who stated I have until XXXX to file a dispute and just be sure to add all the documents.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally address multiple inaccuracies on my credit report that are negatively impacting my financial standing. These issues include : - Inaccurate account listings- Unauthorized inquiries - Incorrect credit reporting - Billing errors
Product: Credit card or prepaid card

See attatched Fraud Report UNAUTHORIZED TRANSACTIONS of XX/XX/XXXX & XX/XX/XXXX I just recieved XX/XX/XXXX. Took 2 years but now that I know usaa can provide fraud reports I am requesting ALL FRAUD REPORTS be provided. See attatched XX/XX/XXXX statement. FRAUDS REPORTED XX/XX/XXXX are {$170.00} XXXX {$170.00} XXXX XXXX NON DELIVERED OR PURCHASED. ( WHAT EVER HAPPEN TO THESE INVESTIGATIONS BEGUN XX/XX/XXXX?????? ) next we have {$200.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  NON DELIVERED TRANSACTIONS. USAA STEALS XX/XX/XXXX AFTER XXXX  PAYS XX/XX/XXXX XXXX Please provide WRITTEN PROOF OF PURCHASES AND OF DELIVERY INTO MY HANDS VERIFICATION OF ALL REPORTED FRAUDS. See attatched XX/XX/XXXX statement WE SEE CLEARLY AS USAA STEALS MERCHANTS CREDITS TO COVER MERCHANTS FRAUD LEAVING CONSUMER LIABLE FOR FRAUD FOR ** OVER TWO YEARS. XXXX XX/XX/XXXX {$2.00}, XXXX OTHER TEMPORARY CREDITS NOT APPLIED ONLY {$910.00} PERMANET CREDITS FROM MERCHANTS APPLIED. What merchants send USAA TAKES AS THEIRS FOOLING CONSUMERS INTO THINKING 2 CREDITS FOR ONE PURCHASE WHEN ONLY ONE CREDIT FOR ONE PURCHASE APPLIED WAS THE MERCHANTS. XX/XX/XXXX ALL PERMANET CREDITS FROM MERCHANTS SAME DAY ARE NEW CHARGES AS IF MERCHANT NEVER PAID.??? HUH?? PRETEND USAA TEMPORARY CREDITS ARE LISTED ONLY. They are NOT INCLUDED IN TOTAL CREDITS at bottom of listed ADJUSTMENT PURCHASES. USAA CLEARLY STEALS MERCHANT CREDITS XX/XX/XXXX {$340.00} STOLEN XX/XX/XXXX XXXX. {$470.00} XX/XX/XXXX. TRANSACTIONS BACK ON CARD XXXX TIME XX/XX/XXXX. USAA USES TEMPORARY CREDITS NOT APPLIED TO CREATE FRADULENT CREDIT REVERSALS OF {$2.00}, XXXX IN ONE MONTH XX/XX/XXXX. Provide WRITTEN PROOF OF PURCHASES AND OF DELIVERY INTO MY HANDS. AGAIN, USAA USES TEMPORARY CREDITS TO CREATE PERMANET CREDIT REVERSALS OF MERCHANTS CREDITS. XXXX PAYS XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX USAA STEALS AS REVERSED CREDITS NEVER MADE PERMANET HIDING THEM INTERNALLY ) ( ** USAA ARE THIEVES PER STATEMENTS NO USAA PERMANET CREDITS HAVE EVER APPLIED AND OVER {$4000.00} ARE REVERSED??? NO EXPLANATIONS PROVIDED OF FRAUDS.
Product: Credit card or prepaid card

I have been trying to resolve negative accounts on my credit report. Due to lack of proper investigation and communication I am requesting that this negative account be removed from all three credit bureaus. I have contacted this company multiple times for verification and validation and I have never received the information requested. I am in the process of shopping for a mortgage and this unverified and un-validated account is preventing me from purchasing a home for me and my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth 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, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/ XX/XX/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

In late XXXX, I was issued new credit cards with new credit card numbers because one of the cards on my account was last and the old credit cards were canceled. However, Chase continued to accept charges for XXXX from my son, who had access to my old credit card but not my new one. To date, Chase has accepted four unauthorized purchases totaling {$52.00}. I disputed the charges because my son is not authorized to use my new credit card but Chase refused to reverse the charges because I had made purchases from XXXX on my old card and told me to contact XXXX about cancelling my son 's XXXX account, which I ca n't do because it is my son 's account, not mine, and XXXX will not cancel an old card without giving them a new, valid card, which he does not have. I explained to Chase that I did not authorize the four XXXX purchases but they contend that because I authorized purchases from XXXX under the old card in the past, that I am responsible for all further purchases from XXXX ( and XXXX and any other merchants with which I have done business ) that continue to be made under the cancelled card.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX and XXXX, have never informed me of my right to exercise my nondisclosure option. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Disputing the inaccurate, misleading, and potentially unlawful reporting of the following collection account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure that all information reported is accurate, verifiable, and fair. The reporting of this account contains multiple errors and potential violations that must be corrected immediately. 

Debt Buyer : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX. 

Account Number : XXXX Date Opened : XX/XX/year> Disputed Errors : 1. Unverified debt collection reporting 2. Incorrect past due balance reporting 3. Failure to validate debt upon request 4. Potential illegal re-aging of the account 5. Possible violation of IRS regulations if a 1099-C was issued VIOLATIONS OF FEDERAL LAW : 1. Unverified Debt Collection Reporting FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX is a third-party debt buyer with no documented proof that this debt has been validated as required by law. 
FCRA and FDCPA prohibit the reporting of an unverifiable debt. 

2. Inaccurate Past Due Balance FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) The report states a past due balance of {$730.00}, which is the same as the original balance. 

If XXXX XXXX XXXX purchased this debt for less than the original balance, they can not legally report the full original amount owed unless they provide documentation proving they are entitled to collect the full amount. 

Adding unauthorized fees or interest would be a violation of FDCPA ( 15 U.S.C. 1692f ( 1 ) ).

3. Failure to Validate Debt Upon Request FDCPA 809 ( 15 U.S.C. 1692g ) XXXX XXXX XXXX did not provide the original signed contract, itemized payment history, and clear proof of debt ownership, I've requested them to cease collection efforts and remove this account from my credit report. 

I demand immediate removal or written validation of this debt immediately. 
FCRA 605 ( c ) ( 15 U.S.C. 1681c ( c ) ) If XXXX XXXX XXXX has changed the date of first delinquency to make this debt appear newer, this is an illegal practice known as re-aging, which extends the negative impact of the account beyond its legally allowed reporting period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have also included a copy of my identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX