23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage payments are due before the XX/XX/XXXX of the month, after the XX/XX/XXXX late fees will occur. We made our payment on a Friday 4 days before the late fee would incur. We always make our payments on the Fridays of Paydays and our payment is usually processed out of our accounts the following Monday. Monday came and went and the payment had not been processed from our account. We received a confirmation email confirming our payment had been made to the account number with the last 4 of our banking account number. Tuesday came and went and our payment still had not processed out of our bank account. I went to our online portal ( which we pay {$5.00} every online payment for convenience fees ) to see our payment showed on their system and our next payment wasn't due until XX/XX/XXXX. Friday XX/XX/XXXX arrives and we received an email stating we were late on our account. We were informed that the bank account number was incorrect and our payment was reversed on XX/XX/XXXX and we were going to be penalized by a {$35.00} late fee. After reviewing their website I feel that I have been entrapped by their online system. Their payment method does not allow you to save your bank account information for easy payments, you must enter it manually every time you make a payment. So when you go to make your payment you are asked to input your bank routing number, confirm your bank routing number, bank account number, and confirm your bank account number. While inputing your information no error codes are given if you type two different numbers or if you leave a number off. For example if you input Account number : XXXX, Confirm Account number : XXXX or Account number : XXXX, Confirm Account number : XXXX and the Account number doesn't match with the Confirm Account number no error messages are thrown to inform you of the error. When we received our confirmation email the last four of our Bank Account number matched our Bank information, so by not receiving and error message we did not know our bank account information was incorrect. XXXX XXXX XXXX XXXX could not confirm which way/ how our account information was wrong but just kept stating it was our fault that the information was inputted incorrectly. XXXX XXXX XXXX XXXX would not remove the late fee unless we wanted to use our One Time Customer Waiver to have it removed as they felt their website was not at fault. As a costumer who uses multiple online websites to make payments, as anyone else in this day and age most other companies either allow you to save your Bank Account information for easy payments or at least inform you that an error was made while inputing your information. I pay online payment convenience fees to be subjectified to the entrapment of their website.
Product: Checking or savings account

In XXXX of XXXX, I wrote out XXXX checks from my personal checking account at Citizens Bank : Check Date XX/XX/XXXX, Check # XXXX, Payee XXXX XXXX XXXX XXXX, Check Amount {$6300.00}. 

Check Date XX/XX/XXXX, Check # XXXX, XXXX XXXX XXXX XXXX XXXX, Check Amount {$6300.00}. 

Someone got a hold of these checks and created fraudulent checks with the exact same check # and amount. The only difference were the names the checks were made out to. 

Instead of XXXX XXXX Vacation Owners a check to XXXX XXXX was deposited for {$6300.00} and instead of XXXX XXXX and XXXX a check to XXXX XXXX was deposited. 

I reported this fraud to Citizens Bank in XX/XX/XXXX once we realized what had happened. They submitted a claim, but it was denied because we didnt notify them in time. 

I escalated this to a banking contact at Citizens Bank and was put us in touch with someone in their fraud department. I left multiple messages for the fraud department, but never heard back.
Product: Mortgage

Today XX/XX/2021 Shellpoint 's representative XXXX XXXX just made up that I said that the documents that Shellpoint requested from me were not necessary. But, he will not list what these alleged documents are because it is false. 

The only document that I did not sign was the tax payer consent form. This form authorizes Shellpoint to release my personal tax information to third parties. This document was not necessary when Shellpoint provided a modification which it would not comply with after I successfully made all of my trial payments then Shellpoint took back the loan modification because I paid the amounts on their statements. 

I provided Shellpoint with a 4506-T and a 4506-C which allows Shellpoint to access my tax information form the IRS. I provided my last two years of tax returns.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a credit report on my score I'd like to dispute it under the XXXX XXXX XXXX And XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to access my account for Experian to remove a freeze that I never initiated. Called Experian and they couldn't verify my account. Once I accessed a supervisor they stated that there are two accounts under my social security number. I asked for the information or second account to be deleted and they requested for me to upload documents to a portal. I have attempted 6 times to upload the documents and after completion each time i get a error. This has prohibited me from gaining a necessary loan. Please help XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I contacted EXPERIAN, XXXX XXXX XXXX asking them what their procedure is for obtaining bankruptcy information on consumer reports. I let them know that I was not disputing the information, but I wanted to know the process. I also reach out to XXXX requesting the same. XXXX responded with a notice of deletion and attempted to contact all three reporting agencies. XXXX replied to XXXX with a notice of deletion as well, however it has not been deleted of my XXXX consumer report. EXPERIAN XXXX XXXX have refused to respond to XXXX and have not deleted the bankruptcy off my consumer profile. I am aware that the reporting agencies have and are continuing to violate my privacy per " The Privacy Act of XXXX ''. I did not give any authorization to place my private information on my consumer profile. The court system and PACER do not supply reporting agencies with bankruptcy information as I have written confirmation from them stating this. XXXX is responsible for obtaining and distributing these types of records to EXPERIAN, XXXX XXXX XXXX. This is a complete violation of my consumer rights and I demand for this to be removed from my credit report as XXXX has deleted it from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is reporting late when the account is closed and no balance is owed.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request the removal of the unauthorized inquiries from my credit report, as they were not initiated by me and are causing considerable distress. These accounts were not authorized or endorsed by me, and it is unjust for me to be accountable for them. I implore you to promptly rectify this situation.
Product: Checking or savings account

I have been using chase both checking and savings account for several years. I have recently been a victim of phishing scam where someone posed as a business that was XXXX XXXX and had accesses my account. This happened from XXXX XXXX through withdrawals on debit cards. I also do NOT do any online savings transfers but the scammer got a hold of my information and made movements on my accounts that I was not aware because they showed a bank account screen that was fake. ( I did not know this until I actually went into a bank on XXXX and reported to the banker at the XXXX XXXX Bank on XXXX XXXX XXXX. I did not feel that at any time that Chase protected or helped clients because they should have the teller 's ask about large withdrawals me. " Know your customer Act '' should have been used but at no given time did I feel the bank protected me from this situation. I find myself having to report this to several federal bureaus as suggested from the XXXX after they helped me with who to contact. I also was told that I should submit reports to the FBI. I need Chase to help me with recovery because certainly the online savings that was done as fraud because I did not do this. I need to know what you can do to help. I will also be contacting the consumer fraud department on our local TV station? Often times that seems to help consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate and errors on my credit report. The incorrect information is with the creditor XXXX XXXX. Experian have the estimated account removal date as XX/XX/2021. This account is way past the statue of limitations and should be removed for my credit report immediately. XXXX and XXXX does not have this account on my credit report and when I disputed it previously with those two credit bureaus it was removed for inaccurate information.
Product: Checking or savings account

I need help with PNC, I called to ask for the fees to be removed. I was asking for them to remove 70 % of the fees, and I would pay the rest. I don't want to be owing to the bank, they closed my last account and this is the only account I have left. The fees are way too high.
Product: Credit card or prepaid card

My Barclay 's JetBlue credit card was either lost or stolen on XXXX XXXX, XXXX. Between XXXX XXXX to XXXX XXXX, the credit card was used for {$2600.00} of fraudulent purchases and cash advances in the XXXX XXXX area. On XXXX XXXX I received a text message from Barclays alerting me that there was suspicious activity on my account, and I immediately called Barclays to inform them that all recent activity on my account was fraudulent and to cancel the credit card. I also submitted a form online identifying and disputing the fraudulent activity. 

After several weeks, some of the fraudulent activity was still posted to my account, and after several more phone calls to Barclays customer service, I was finally able to get all fraudulent activity tagged removed from my account. 

However, on XXXX XXXX, XXXX, I received another letter in the mail from Barclays stating that they had completed their fraud investigation and determined that some of the transactions we valid ( which they were not ). These fraudulent charges had been added back to my account. They provided me with no evidence to prove these charges were valid either in writing or on the phone. After multiple phone calls with Barclays on XXXX XXXX, XXXX, they stated they would only reopen the investigation into this fraud if I was able to file a police report, which I did that same day. 

All purchases and cash advances ( totaling {$2600.00} ) on my Barclays JetBlue credit card between XXXX XXXX and XXXX, XXXX are fraudulent and not made or approved by me. The card was either lost or stolen -- and not in my possession when these charges were made. After XXXX calls and multiple hours on the phone with Barclays customer service, some of these fraudulent charges are still on my credit card.
Product: Checking or savings account

This checking account has been open and negative for over 10 years. There hasnt been any attempts to use the account and I have contacted Capital One and informed them that this account was compromised due to fraud. My purse was stolen and all my debit and credit cards were taken. I worked with a credit repair company to file a police report and as a result my credit report was updated and accounts were either closed or corrected. The representatives I have dealt with at Capital One did not believe that I was a victim of fraud and it seems as if I was punished by Capital One by letting the account reflect to banking and creditors as negative and open. This has caused significant issues. The statute of limitations says that a debt will remain for 7 years and after such time it will not reflect to creditors on my credit or bank history. I need this account closed. I need this closure backdated so that it reflects closed as of 10 years ago and hold no bearing on my future. I think the most frustrating of this all is that I was able to obtain a secured credit card through Capital One and paid {$750.00} towards it but this account was not settled and I still look unsuitable to other creditors
Product: Checking or savings account

I received an unsolicited Cash App debit card in the mail the week of XX/XX/2020. I was able to verify that an unauthorized account was opened with Visa on XX/XX/2020 and XXXX XXXX  on XX/XX/2020. XXXX canceled the card and XXXX XXXX  closed the associated account ; however I have been unsuccessful in closing the Cash App account which was fraudulently opened in my name using my mailing address. 

I contacted Cash App via XXXX first on XX/XX/2020 and received instructions to close the fraudulent account through the app by logging into the unauthorized account. Since I did not open the account myself ( as it was fraudulent and not opened by me ) I had no way of doing so. 

Since that initial email, I have had email correspondence with XXXX ( XX/XX/2020 XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX  ), XXXX ( XX/XX/2020 at XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX  ), XXXX ( XX/XX/2020 at XXXX XXXX ) who have each replied with various follow up questions. Some including requests for specific amounts and dates of fraudulent transactions are not answerable as I do not have access to the account. I have not had sustained correspondence with a single person at Cash App as a different person replies to each email I send. I have uploaded photographs of the physical card with the account numbers, expirations dates, and security codes. As Cash App does not have a live customer service line, I have not had any success in reaching a live representative.
Product: Credit card or prepaid card

Someone use my debit card for a purchase of XXXX with XXXX and the company is not complying with the card company XXXX XXXX payfair this has been going on since XX/XX/2022 and all I get is lies told to me and not a refund.. Now I'm currently XXXX and lost my job and car. Can someone please help me
Product: Credit reporting or other personal consumer reports

I received a postcard from XXXX stating my personal information was breached at equifax. I have recently been sent a payment from this settlement for hiring credit agencies to help fix my credit however, equifax has not been beneficial in helping me with disputes that was caused by their negligence. I need help in clearing up my credit file, I have accounts that I did not open thats charged off also inquires for accounts I did not apply for.
Product: Debt collection

I have reached out to this company IC systems @  XXXX  and verified with a person and manger  XXXX   XXXX  that the information that was on this account was not mine and agent advised me they are aware but I still have to pay. How am I responsible for something that is not mine that does n't have my information on it but is on my credit report. I have sent police report to show that i was truly a victim but they refused to assist. This is a debt  XXXX  that they are telling me im responsible due to the information being similar thats not legal
Product: Money transfer, virtual currency, or money service

An account was opened with out my consent. Apparently they wanted me to opt out of the agreement. Not only was it unwanted it also lowered my credit rating.
Product: Credit card or prepaid card

XX/XX/2020 - My Mother-in-Law was hospitalized in XXXX with a rather life threatening condition. The private hospital where we sent her asked for a credit card before they would release her. My wife gave out her Discover card number only as a pre-authorization. The hospital initially said that they would not even take the card as it was not a card recognized in XXXX. 

Upon releasing my wife from the hospital we arranged payment for the bill by alternate means. We had money wired directly from another bank. I immediately called Discover customer service to have the hold on our account released. The amount was showing up as a pending charge for around {$7600.00}. 

The first agent was very unhelpful and routed it as fraud, not explaining the situation correctly. This revealed a lack of training. I had the card cancelled not knowing that since a hold had already been placed for {$7600.00}, it would not matter. This will put us through an inconvenience as we had several accounts set to auto-pay with that card. Then after several more escalations to different agents and management, I was told that they could do nothing for me and I would just have to wait to see if the hospital did not reverse the charge. And they would not let me start a billing dispute either. 

Finally the last person I spoke with ( a manager named XXXX ) refused to even give me a email where I could reach them with further documentation that the bill had already been paid. This person used dishonest tactics to just try and get rid of me. I explained multiple times to multiple people that we had arranged payment for the hospital bill by alternate means but as of today XX/XX/2020 the pending charge for around {$7600.00} is still on my card. 

Discover financial also seems to have very poor customer service technology as several calls had to be dropped due to poor quality, leading to me having to call back multiple times.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1100.00} XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX & Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violations. 

15 USC 1681- XXXX, XXXX & Equifax have 30 days to investigate and send me a reply. 

They also did not record the current status of my disputed information which is another violation. 

Equifax ACCOUNTS TO BE REMOVED : XXXX. XXXX XXXX  account # XXXX amount {$18000.00} XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX amount {$0.00} XXXX. XXXX  ACCT # XXXX amount {$0.00} XXXX ACCOUNTS TO BE REMOVED XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX AMOUNT {$18000.00} XXXX. XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX BANKRUPTCY ACCOUNT NUMBER XXXX XXXX ACCOUNTS TO BE REMOVED XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I was a XXXX member at the XXXX, Massachusetts branch for many years. I had noticed in my credit report that in XXXX, XXXX XXXX in XXXX, XXXX had listed my account as a Charge-Off. I tried disputing the matter through TransUnion since it had been 7 years and TransUnion denied it. I reached out to XXXX several months ago and they stated they never listed anything as a Charge-Off and that I was in good standing with them, so, I tried disputing the matter once more and TransUnion denied once again. I called XXXX on Friday XX/XX/XXXX and they said that my checking account had a negative balance of around {$150.00} and told them I had paid this off years ago and that no one notified me that I owed any money on the account. The sales representative spoke to collections department and collections said they said I didn't owe anything and was not sure why I had a charge off to begin with since I didn't owe anything. The supervisor of collections also couldn't see anything and couldn't figure out why I had a charged off account. This greatly upset me because it has impacted my credit for a long time and was falsely reported by the bank and had a false charge-off reported which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, equifax, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX  explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3 credit bureau report which clearly shows that XXXX equifax, and XXXX are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these accounts, incorrect personal information, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find attached : 1. Letter sent to XXXX 2. proof of identification 3. US Dept of Justice complaint 4. Federal Trade Commission Identity theft complaint 5. copy of 3 bureau credit report displaying inaccurate reporting of information by all 3 major credit bureaus