23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

It is clear to me that I was scammed by people that knew well how to manipulate the system to their advantage. I tried to be very safe, asking the bank persons I spoke to each time to check that the repayments were all made as had been claimed before I sent any funds overseas. Not XXXX bank person ever warned me that the supposed payments could fail to be real at a later date, had I known that I would NEVER have proceeded. Furthermore I was also shocked that in general it is possible by any means to go so far beyond my credit limit- I imagined banks would have safeguards to prevent that too. That my name and a fake account in my name was used to 'pay ' these charges was also a fraudulent action. 
I have been a consumer using my credit carefully for many years, prior to this my FICO score was over XXXX, I never charged more than I could readily repay. These charges are now more than my pension or savings could possibly cover, like buying a house on charge cards. My retirement is clearly in jeopardy now and my life in general is also as I am so uncomfortable with this unresolved issue. I depended on bank employees for accurate information to operate safely, only to find the info they provided was not accurate but I am to be held accountable. 
I feel these debts in my name should be cleared and that better banking practices instituted to prevent scammers from abusing the system in the future.
Product: Credit reporting or other personal consumer reports

Your Company : XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
The continued reporting of this inaccurate information is a clear violation of law 15 USC 1681 s2 of your responsibilities as a furnisher of information XXXX XXXX XXXX Balance Owed : {$6100.00}.
Product: Debt collection

XXXX XXXX XXXX I am writing to formally notify you that I have been a victim of identity theft. Unauthorized accounts were fraudulently opened in my name. I have filed a police report and submitted an identity theft report with the Federal Trade Commission ( identitytheft.gov ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent accounts be removed from my credit report immediately. Please find the attached copies of my police report and FTC report for your records. 

Kindly confirm receipt of this request and provide an update on the removal process at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX just violated the law and reported unauthorized inquiries which is unknown from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status and provide me with the date of the last activity for this account.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally file a complaint concerning the presence of fraudulent items associated with my account/profile. It has come to my attention that unauthorized and fraudulent items are currently associated with my account, and I am deeply concerned about the potential impact on my financial and personal well-being. 

The fraudulent items in question include [ provide a detailed description of the fraudulent items, such as unauthorized transactions, false information. Enclosed with this letter, you will find supporting documentation to substantiate the validity of my complaint. 

I would like to express my disappointment and concern regarding the following matters : It has come to my attention that unauthorized transactions [ or other specific fraudulent activities ] have occurred on my account. This not only poses a serious threat to my financial security but also raises questions about the integrity of your platform/system. 

The presence of these fraudulent items suggests a potential security breach, and I am deeply troubled by the possibility that my personal information may have been compromised. I request a thorough investigation into how this breach occurred to prevent future incidents and to protect the security of all users. 

Given the sensitive nature of this matter, I expect a swift and effective resolution to remove the fraudulent items from my account. Timely action is crucial in mitigating any further damage and restoring my confidence in your platform. 

I understand that your company takes matters of fraud seriously, and I trust that you will handle this complaint with the urgency and diligence it deserves. I kindly request regular updates on the progress of the investigation and the actions being taken to address this issue. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I recently opened an account with M & T bank in hopes of switching over and finding a new bank to keep my savings with less fees involved. I made a deposit into my account and They held my check for 7 days which is completely normal. I had no worries since it was a cashiers check that I requested from my previous bank. Of course on the first of the month when my bills are due they block my debit card and my account. I have no access to my online account. I called customer service and the fraud department only to be transferred around numerous times over and over. They advised me to step into a branch & when I got to the branch drive thru and requested to close my account the teller was rude and giving me a hard time. I do not care about any fees because my account is under 6 months old please just close this account and return my funds and I will find a new bank to build a relationship with. M & T and their business practices are ridiculous
Product: Credit card

I was remodeling a property I bought in XXXXXXXX XXXX XXXX. I was using my Lowes card to make purchases and remodeling efforts. When I went to use my card in the store I was declined. I had to contact synchrony and go through a lengthy, identification verification, subsequently I was told that the card had to be replaced And was issued another card which delayed the remodeling efforts by another week in that time I had placed an order online as I was instructed to do by the synchrony bank and customer service representatives to be told today the installation day that the payment was not processed so Ive had to cancel four orders and spend hours on the phone with the customer service people Today I tried to place three orders while the synchrony bank people were on the phone and told him that I had no other choice other than to file a complaint on discrimination. This was a Lowes card issued by synchrony bank being used on the Lowes app that will not be honored by the lender, could you please open an investigation as to why synchrony bank is not processing the payment
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA & 605B that you TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a collections account opened by XXXX XXXX XXXX on XXXX, XXXX, XXXX under the account number XXXX for an amount of {$6600.00}, a collections account opened by XXXX XXXX XXXX on XXXX, XXXX under the account number XXXX for the amount of {$1800.00}, a collections account opened by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX under the account number XXXX for the amount of {$580.00}, and a hard inquiry pulled by XXXX XXXX XXXX opened on XXXX, XXXX, XXXX. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the consumer aforementioned accounts are the result of identity theft.
Product: Student loan

Was told I could not apply to have loans refinanced. Also told my only option for reduced payment was to make payments on interest only for a certain period of time, after which I 'd make larger payments which would have been larger than the initial payment. I was never informed of the income-based payment option.
Product: Checking or savings account

I had a chime account since XXXX. On XX/XX/XXXX I was trying to log into my chime account and had issues logging in. I learned that the account was closed for violation of terms of agreement. When I asked what terms of agreement was violated they couldn't tell me at all. I had XXXX dollars and some change so I can pay my car insurance. I have a bank account with a different bank linked to my chime account for cases of emergency like paying my bills. I lost my card to my other bank and requested a new card so I thought I could move money around from my other bank to my chime account to at least pay my car insurance. I've been trying to contact chime and was hung up on multiple times for trying to figure put what's going on. I finally got through to a supervisor and the supervisor couldn't tell me what terms were violated and would send it to a different department to investigate.
Product: Money transfer, virtual currency, or money service

I reported an unauthorized transaction to PayPal and my personal bank ( XXXX ) and the transaction was refunded to my bank. PayPal however maintains that I have a negative balance ( the disputed amount ) and refuses to close my PayPal account and protect me from further unauthorized transactions until I pay the disputed amount!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : WELLSFARGO Allege Amount Owed : {$1100.00} Status Of Account : CLOSED and reports late payments current Company Address : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Account Name : XXXX XXXX Allege Amount Owed : {$5700.00} Status Of Account : CLOSED and report current late payments Both companies are violating my consumer reporting rights by sending information to XXXX with inaccurate unproven, un-verified, incomplete, untimely, not proven and in compliance. I requested information to validate the allege debt and it has been past the time frame from the requested information. By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently be removed from my credit report. 

I'm demanding that XXXX update the payment history to NEVER LATE/ POSITIVE PAYMENT HISTORY AND/OR DELETE THE ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment on XXXX Credit Report To Whom It May Concern, I am writing to formally dispute an incorrect late payment entry on my XXXX credit report related to an account with Barclays Bank Delaware XXXX The account details are as follows : Creditor Name : Barclays Bank Delaware Current Status : On-time Issue : XXXX Missed Payment As an authorized user on this account, I am not responsible for any late or missed payments. The presence of this late payment on my credit report is inaccurate and has negatively impacted my credit score. 

I have already contacted XXXX to dispute this entry but have not received a satisfactory response. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that this late payment entry is removed from my XXXX credit report. 

As a fair resolution to this issue, I am requesting the following actions : Immediate Removal of the Incorrect Late Payment : The immediate removal of the late payment entry from my XXXX credit report. 
Verification of Authorized User Status : Confirmation that, as an authorized user, I am not responsible for the payment history of the account. 
Notification of Changes : Written confirmation once the late payment entry has been removed from my credit report. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Bank of America- I filled a fraud claim on XX/XX/XXXX for ATM transactions with a total of {$3500.00} not authorized by myself, they did a temporary credit adjustment on XX/XX/XXXX and then took my money away again on XX/XX/XXXX, this took about a month long and I have not even received a response on why this was dined, I have called and no one has given me a valid answer, just keeps transferring me to multiple lines since no once " has access to the information " of the claim " I have never made transactions on this type of amount so this is so unfair that they are not given any money back with no valid response on why this happened.
Product: Checking or savings account

I opened an account with Pnc bank earlier this month just to pay bills. I deposited a check I received from XXXX XXXX  and they initially accepted it and it cleared. The next day they reversed it and charged a returned check fee. They said it was altered which I dont know how. When I used their mobile deposit feature it said my signature was too light so I traced over my name with black ink so they would accept it. If that was the mistake then my bad. 

I reached out to XXXX and they were useless. They said call the returns department or the escalation department. I kept asking them what will it take to get my money back and they wont tell me except for me to give my information to their escalations department. Mind you, Im on vacation and I dont want to deal with this XXXX. I tried to resolve it before vacation but I couldnt. Just run me my money and Ill leave you alone. The only reason why I joined this sorry excuse for a bank is because I could have an account under my married name. It took me almost a year to find a bank that let me open up an account under my married name and let me deposit this check I received from XXXX, despite being born and raised in the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 i have noticed fraud accounts and inquiries these accounts and inquiries must be removed now account name : XXXX XXXX account # : XXXX date open : XXXX last date active : XXXX last payment date : XXXX incomplete account is ground for removal " fair cares act ''
Product: Mortgage

XX/XX/2020 XXXX and XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, NY XXXX Good morning, We're reaching out to you, this morning, to bring to your attention the questionable behavior of Bayview home loans, as well as their attorneys, XXXX XXXX. 

My husband and I have been working with Bayview Home Loans since XXXX, attempting to negotiate a Forbearance Plan. We submitted a complete request package on XX/XX/XXXX and shortly thereafter were notified, via mail, by XXXX XXXX that there is a pending hearing scheduled for XX/XX/XXXX. 

Not only does Bayview have no record of REQUESTING this hearing, they have no record on file of the hearing date scheduled or of giving XXXX XXXX permission to schedule it. We've spoken to Bayview on three separate times regarding this matter - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On each of those conversations, Bayview Home Loans confirmed for us that there was NO HEARING SCHEDULED and they had NOT GIVEN permission to XXXX XXXX to do so. 

We're extremely concerned about this situation, given that we can't get a straight answer from either organization and we're asking that you step in and request that this hearing be immediately put on hold. 

Once again, we are actively engaged in negotiations with Bayview Home Loans - given that, under federal guidelines, no legal action can take place until the determination of our request is completed. 

I can be reached at XXXX anytime. Thank you for your assistance with this, XXXX XXXX
Product: Credit card or prepaid card

I was applying with Bank of America as a co-signer for my college daughter. I have a credit score of over 800 and have never been denied, but they denied us. I asked for the supervisor and got XXXX XXXX. In visiting with XXXX, it came to light that the application was not filled out correctly, as they did not ask for my liquid assets. I have reason to believe this might not be the only mistake in the application. I have net income over XXXX and liquid assets of over 1.5 million. 
The denial due to an inaccurate application, that they would not fix will damage my daughters credit score.
Product: Student loan

MOHELA will not allow me to access my account through their online portal. I have followed every direction and step they have sent me, and I am still unable to access my online account. It has been 4 months since they launched their new servicing portal and I still can not access it with any of the directions they have sent me. No matter how many times I follow the directions I still get the same screen stating " The information you provided does not match our records ''. My records match just fine when I call the Customer Advocacy Team but for some reason can not be matched to the online portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Opened XXXX {$130.00}, XXXX XXXX Opened XXXX {$620.00} 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: Debt collection

This is some fake shell company collecting debts that dont exist. They have no website or real office. Says they are out of XXXX, with no staff, but from Pennsylvania? I havent been to the hospital or anything medical related so how would I owe this amount, especially to a place that doesnt exist. 

If you XXXX this company, the ONLY result is people complaining about this bogus charge like I am now. Then I filed a complaint with XXXX explaining this and they came back in RECORD time and said it was accurate? Nope. Big XXXX no.
Product: Payday loan, title loan, personal loan, or advance loan

I previously pulled my credit report and seen that Kickoff lending is reporting 90 days late on an account. I have an email stating that the loan is complete and I have never received a late notice at all through phone, email, or mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit reporting agencies decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
Delete these unauthorized Inquiries as soon as possible : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XXXX XXXX  5. XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XXXXXX/XX/XXXX 11. XXXX XXXX XXXX 12 . XXXX XXXXXX/XX/XXXX 13. XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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 then 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Mortgage

On XX/XX/18 Rushmore loan management raised my principal and interest $ XXXX/mo. Even though Im on a % 4 fixed?!?! Called them for 4 Mondays after that with no explanation. Ive provided them with my loan docs which show a loan of XXXX at % 4 which equals a $ XXXX/mo P & I payment!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing discrepancies. The late payments listed do not align with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Credit reporting agency has incorrect information and has bad info on my credit report with them.I am not allowed to open any bank account because of this false information on Early Warning report. I have tried to settle this issue with them I have also created an account to report this to early warning but the website to do this is a sham.