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

I have an account with ACE XXXX  ACE-ELITE Flare Account. 

I have been suspicious and have noticed recently that the balances does not add up to what ACE debit or credit to my account. 

For example : On yesterday, XX/XX/XXXX, I had a previous balance of {$15.00}. I made an ATM withdrawal in the amount of {$53.00}. 

I received a text account alert from ACE stating my account was overdrawn by ( - {$60.00} ) Additionally, I received an emailed NEGATIVE BALANCE TRANSACTION NOTICE stating the following : " Our records indicate your above-referenced ACE Flare Account ( " Account '' ) currently has a negative actual balance of ( {$40.00} ) after a transaction on XX/XX/XXXX. To avoid a {$20.00} Overdraft Fee for this transaction, please add ( {$40.00} ) to your Account by XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX. We will apply any funds credited to your Account to your negative balance before such funds are available to you for use. '' I made a deposit today at or about XXXXXXXX XXXX XXXXXXXX, in the amount of {$240.00}. After which, I received another transaction account alert, via text stating the following : {$180.00} available in your Flare Account after adding {$240.00} on XX/XX/XXXX at XXXXXXXX XXXX XXXX. '' In that, NONE of these balances or the idea that {$20.00} Overdraft fee was avoided. 

Particularly since.. My account had a balance of {$15.00} ( XXXX ) to the {$53.00} ATM withdrawal. $ XXXX $ XXXX ( - {$37.00} ) NOT ( - {$60.00} ) as ACE has wrongfully and falsely misrepresented. 

Even if the {$20.00} Overdraft fee was added, the balance due should ONLY reflect ( - {$57.00} ) NOT ( - {$60.00} ) as ACE XXXX has wrongfully charged my account. 

Lastly, If the {$20.00} Overdraft fee was avoided as ACE XXXX has falsely advertised, " To avoid a {$20.00} Overdraft Fee for this transaction, please add ( {$40.00} ) to your Account by XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX. '' the final balance in my account AFTER my deposit in the amount of {$240.00} should be : ( {$280.00} ) NONETHELESS, my current available balance is {$200.00}. And there are no pending transactions EXCEPT an automatic draft that is scheduled for tonight in the amount of {$170.00}. Therefore {$77.00} is UNACCOUNTED FOR and unavailable for my use. 

Further, I am aware that XXXX EXPRESS has been fined by your organization for the same activities. This has been going on with my account for a very long time and my account needs a complete audit as I am under the impression XXXX EXPRESS has wrongfully, stole hundreds, IF NOT thousands of dollars from my account because of their own accounting. 

Please assist with this complaint and also be aware that XXXX EXPRESS is notoriously documented and proven by the CFPB, for committing these acts against their account holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to apply from the company which is a hard inquiry on my credit which I didnt authorize that
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I called and spoke to the XXXX XXXX XXXX  XX/XX/XXXX and explained to them there are several addresses on my credit report that I have not lived at and that my only address is the XXXX XXXX address in XXXX XXXX, CA and the representative didn't delete the incorrect addresses.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Complaint Against Credit Collection Services for Unlawful Reporting Practices Dear CFPB, I am writing to formally file a complaint against Credit Collection Services regarding the unlawful reporting of an account on my consumer report, which is causing significant harm to my credit profile. 

- **Account Number** : XXXX - **Status** : Derogatory - **Amount** : {$150.00} - **Type** : Collection/Chargeoff This account is being reported under practices commonly known as " debt parking, '' where a debt collector reports a debt to credit bureaus without possessing the legal right to collect it or without adequate verification of the debt. Such practices are not only misleading but also violating the Fair Debt Collection Practices Act ( FDCPA ), leading to unjust damage to my credit standings. 

I have made multiple requests to Credit Collection Services for verification of this account, specifically asking for permissible purpose and the master bill of sale associated with the debt. They have consistently failed to provide this information, raising serious doubts about the legitimacy of their claims and their right to collect on this account. 

The lack of transparency and response from Credit Collection Services not only infringes on my rights as a consumer but also suggests possible misconduct in their debt collection practices. 

I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against Credit Collection Services for their noncompliance with applicable federal laws. 

Thank you for your immediate attention to this pressing issue. I look forward to your prompt response regarding the measures that will be taken to address my complaint.
Product: Credit reporting or other personal consumer reports

From XXXX until XX/XX/XXXX, I found myself trapped in an abusive relationship that severely impacted various aspects of my life, including my financial stability. As I strive to recover from this difficult period and move forward, one of my primary goals is to improve my credit score. Unfortunately, I've encountered a significant obstacle : numerous credit inquiries have been made against my name, and recently I've discovered that my ex-partner has been running my credit without my consent.

I feel compelled to address this issue and seek assistance in having these unauthorized credit inquiries removed from my credit report. Each inquiry is causing considerable harm to my credit score, which is crucial
as I aspire to buy a home and establish a fresh start away from my past. I've taken the necessary step of filing a police report regarding the unauthorized inquiries, but I am now reaching out for support in remedying this situation.

The inquiries I would like to have removed are as follows : - XXXX XXXX ( Bank ) ** - XX/XX/XXXX - XXXX XXXX XXXX ( Bank ) ** - XX/XX/XXXX - XXXX XXXX ( Bank ) ** - XX/XX/XXXX - XXXX XXXX XXXX ( Finance ) XXXX - XX/XX/XXXX - XXXX XXXX ( Finance ) XXXX - XX/XX/XXXX - **XXXX  ( Finance ) ** - XX/XX/XXXX - XXXXXXXX XXXX XXXX ( Bank ) ** - XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) ** - XX/XX/XXXX - XXXX XXXX ( Finance ) ** - XX/XX/XXXX - XXXX XXXX ( Finance ) ** - XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) ** - XX/XX/XXXXXXXX XXXX XXXX ( Finance ) ** - XX/XX/XXXXXXXX XXXX XXXX ( Finance ) ** - XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) ** - XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) ** - XX/XX/XXXX ( And other inquiries dating back as far as XX/XX/XXXX. ) Resolving this matter would mean a great deal to me and would undeniably help pave the way for my future goals. I am eager to move past this chapter of my life, and I appreciate any support in rectifying these credit issues. Thank you for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

Someone fraudently opened up accounts under my name without my authorization.
Product: Credit reporting or other personal consumer reports

XXXX is still reporting on my Equifax credit file. The previous response from Equifax stated that credit inquiry XXXX has been deleted. As follows XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX, XXXX and XX/XX/XXXX. Which all are back to back. Please delete entirely.
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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked my XXXX, XXXX and XXXX credit reports and immediately identified XXXX XXXX XXXX credit card accounts that didnt belong to me. These accounts are closed on my credit reports but nonetheless these closed accounts are the result of identity theft and are inaccurate. I filed a police report with XXXX police department ( see attached ) and I filed an identity theft report with the FTC ( see attached ) all information is listed on attached documents. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY COMPLAINED ABOUT AES REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A STUDENT LOAN REPORTING ON MY CREDIT FILES ( AES IS REPORTING AS AES ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY AES IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM AES DATED XXXX XXXX, XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM AES.
Product: Checking or savings account

My debit card information was stolen and used to make several unauthorized ATM withdrawals ( XX/XX/18 ; four atm withdrawals from an ATM I dont believe Ive ever been to, done in 2 minutes, totaling {$800.00}. This is not an account I make ATM withdrawals from ). I immediately cancelled my card and opened a fraud claim with US Bank. In addition to opening a claim with my bank, I filed a police report with local law enforcement as I was 100 % certain these transactions were not me and my debit card information was stolen. US Bank said they investigated, denied my claim, immediately withdrew my money, and continued having managers call me that could not rectify the situation. After filing my claim I signed affidavits and immediately returned them to US Bank and provided them the requested information for my local police. I was told my claim was reopened on XX/XX/XXXX to prevent my money from being taken, and sure enough, the next day it was gone. Additionally, the letter I received shows my provisional credits would be withdrawn on XX/XX/18 ( almost a month prior ), when in reality they were pulled on XX/XX/XXXX ; no less than 12 hours after a fraud manager told me on the phone they would not be. If my case processor cant even correctly put dates on a denial letter I seriously question their investigative abilities and their ability to review ATM footage. Im convinced US Bank has only reviewed footage from the 4 fraudulent transactions as I am 100 % confident I did not make these withdrawals. Now I am out hundreds of dollars, my bank is treating me like a criminal ( instead of the victim I am ), and Im now having to call my local police to request video tapes from the bank so they can continue their criminal investigation. No appeal process or documentation has been given to me by US Bank other than the generic letter I received with incorrect dates. I requested the documentation from a manager on XX/XX/XXXX but who knows If that request will actually be fulfilled. I no longer have no faith in the bank Ive been with 15+ years now.
Product: Debt collection

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 would investigate these items for me to ensure accuracy, here is the item Im asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

I have filled a despite with the bank of fraud to include police report they are refusing to do anything and not honor their site of XXXX  liability and temp credit right after filing. 

I have sent them a police report to prove it is fuard as I was saving everything I can for a move. And i realized after the move what has happened. As we had moved due to my husband 's health been crazy. Ill lost my job as well not have internet and won't be able to get my husband his medicine now. 

On top of that, they have held my paycheck and tax return deposit for 15 days. I have been told by serval people on the phone that it's because the despite I filed was a large amount of XXXX plus.
Product: Mortgage

I have had the same conventional adjustable rate mortgage since XX/XX/XXXX. It started out with XXXX   was transferred to XXXX, then XXXX, and then the loan servicing to Loancare. My interest and principal payments adjust every XX/XX/XXXX. 

Loancare illegally accelerated repayment of the principal when it calculated my yearly arm adjustment and applied it to the XX/XX/XXXXloan payment. The on-line amortization schedule shows that the principal payments were calculated out to the year XX/XX/XXXXinstead of XX/XX/XXXX. [ Attachment-1. ] On XX/XX/XXXX I contacted customer service by phone and I was told that I should not make a payment until customer service corrected the discrepancy. I was told to email XXXX. That same day I sent an email. [ Attachments 2. ] On XX/XX/XXXX I was assigned Ticket No. XXXX and received two responsive emails and attached statements. [ Attachments 3-6. ] On XX/XX/XXXX I called customer service and asked to speak to a supervisor and talked to Supervisor XXXX. He told me he would escalate resolution of my problem. 

XX/XX/XXXX I also wrote an email to customer service. [ Attachment-7. ] I complained that Loancare had reported to the credit agencies that I was 30 days late. [ Attachment -8. ] XX/XX/XXXX I called customer service again and spoke to XXXX and then Supervisor XXXX. Again I was advised that making a payment would not resolve the problem, that the money would be put in a suspended account. I was promised by XXXX that she would escalate resolution of my problem and to give her three days. 

It is XX/XX/XXXX and nothing has changed. My amortization schedule is the same. My payment is doubled. I started working with a mortgage broker to try to refinance my mortgage loan but my credit report has to be corrected. The credit reporting affects my ability to get a job, the cost of insurance, and my ability to get loans. Today I wrote a letter to LoanCare Loss Mitigation, attached hereto and am filing this complaint because customer service has not resolved the problem as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like wells Fargo to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2023, complaint # : XXXX to Equifax regarding incorrect information that is reported on my credit report, and multiple bankruptcies. 

Equifax submitted a response on XX/XX/2023 : ... '' A DISMISSED/DISCHARGED XXXX XXXXXXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 7 YEARS FROM THE DATE FILED. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. '' I've reached out to XXXX ( Equifax vendor ), regarding the response Equifax provided. XXXX sent me a letter dated XX/XX/2023, regarding the multiple bankruptcies. stating : " In an effort to resolve XXXX XXXX concerns, XXXX did not locate the records listed below in XXXX XXXX file with XXXX. Bankruptcy Record : Bankruptcy Filing No. XXXX Bankruptcy XXXX XXXX. XXXX Bankruptcy Filing No. XXXX '' I've also attached multiple documents that I received from the Bankruptcy courthouse saying they have never sent any information to Equifax. 

I would like for Equifax to answer me who they are verifying this information to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a bunch of unknown collections in my report and I am wondering why they ended up under my sleeves. I want these accounts be removed because they are not mine and it really ruins my scores so bad. It will be a great help if we will enforce what is right based on FCRA. I have researched about this and I am sure that my rights were violated by simply reporting an inaccurate report.
Product: Money transfer, virtual currency, or money service

I use paypal to transfer money to an individual for baseball game tickets on XXXX XXXX  on XX/XX/ but when I got the email it went to a foreign account with a person that didn't match the XXXX account. I filed a dispute with PayPal but less than 30 minutes later, I received an email stating that I can't got a refund and the transfer was legit.
Product: Mortgage

My loan was transferred to this company from XXXX XXXX XXXX  To go from a modern " up to date '' system, to the horrifying experience MyLoanCare is, is probably an understatement. 

Their website constantly has issues in all aspects. Had a 3 month fiasco of trying to submit my home insurance proof to them and they still haven't input it into their system. 
Had trouble paying for the mortgage online using their system as it would have user verification issues. The site looks like it was built in 1991. 

Their customer service is not helpful. In my experience with them, I can only recall one time the customer service representative wasn't rude. Many times was told conflicting information and have been charged late fees because I followed instructions given to be by the representative. 

I really appreciated their forbearance program, as it was crucial in my families survival with minimal income and I'm grateful for that ... but their site wouldn't register that I was on the forbearance plan and kept trying to charge me late fees. It seemed like their ENTIRE System didn't register I was on their forbearance plan because I would constantly receive reminders via E-Mail or Postal Mail saying I should use their forbearance plan. When I would call about being on the forbearance plan, their customer service representatives would tell me I was late on payments and I will receive multiple penalties. 

The latest incident - currently trying to handle - is that when trying to close on my apartment, buy a new home, and close the loan, they won't send the final mortgage amount to my escrow company and I am in a contract to have to pay a fee for every day the escrow company doesn't receive the final loan amount. It's extremely frustrating because they said every time I call about checking the status of this, it RESETS the claim and sets back the process and restarts the clock back to zero. I don't understand how the company is still in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a relationship with  XXXX  and ended it. They transferred my account to some collection agency, unannounced to me. Me and that prior company had arrangements and they removed it from my credit file. Now fast forwarding, I received an alert t hat Enhanced Recovery Company added ne gative information to my credit file. They never made an effort to send me a notice, call me or make some form of contact prior to adding this to my report. I have called this company 3 times in effort of resolving this and nothing. They simply have no resolution and the the agents that I speak to are rude.
Product: Debt collection

I have a credit card with Capital One that was closed by the issuer and subsequently charged off. 

While working with Capital One on a payment plan, the account was " apparently '' transferred to a law firm named XXXX, XXXX XXXX XXXX. I have no specific knowledge or communication from Capital One the account had been transferred to this firm. 

The firm " acting on behalf of it's client '', supposedly Capital One has obtained a judgment against me. 

The firm contacted me in XX/XX/2022 to arrange a repayment plan on behalf of " it's client '', Capital One. 

Terms had been discussed and was advised notification of terms would be sent vial email. That email was not received and a follow up phone call to the firm representative, XXXX XXXX went unanswered. Approximately 30 days go I received the first postal communication requesting an installment payment. Due to timing of receipt as well as current financial status, I had not been able to submit the " demand '' payment. 2 days ago, I received a notice of deposition. The law firm acting on behalf of Capital One is attempting to seize assets and garnish wages. 

Upon reviewing my credit report, Capital One has reported my account as " Closed, Account Canceled by XXXX XXXX ''. If the account has been canceled, how and why can a law firm obtain judgment and furthermore seize assets, garner wages? 

I have attempted to contact Capital One to resolve this matter and my calls get immediately redirected to the law firm. 

Upon speaking with the law firm today, the firm is not interested in arranging a payment plan. Merely, pay the balance in full or be deposed.