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

My acct XXXX had fraud on the acct via pin/card I kept XXXX  money into the acct as pending charges flew into the acct and I didnt want over draft fees. I contacted bank several times which stated 1hour and 45 min hold times and set up call backs which I never received finally I sat on hold until I got someone as the funds just kept coming out of the acct in several diff state locations The bank has printed three different cards with the same card number one of the cards along with the bank printed off pin they org shipped must have been stolen and used via my local oil company as it was in the glove box or a foster child there where some charges from XXXX XXXX which I told the agent that must be mine since theyre in my area and most of these charges where all over the place. But if it was a foster child or parent of one or the oil company employees they could have just as easily did transactions at the same store I typically shop at I filed a police report and the local police said theyre a not much they can do as the transactions are in several states. The bank called me up and said they will not protect me from the unauthorized charges. I should be protected from any charge that I did not do on my acct. Ive been with the bank for over a decade and Im being treated unfairly and am told to continue to ask the foster kids to own up ( if its even them ) these are gov kids, theyre on survival mode Im not going to traumatize them more then they where before they came into my life. Regardless who stole the funds I did not authorize or use the funds and need and should be protected and Im disappointed in the bank for treating a long term ah in such a manner. It does not give confidence in the bank to protect money from being used fraudulently the bank should have had fraud prevention on there own side by not mailing out multiple cards through out the years over and over with the same card info out of the blueluckily I hadnt had a problem until now but eventually it became a problem and Im not protected by the bank. Whats the point in banking if I have no protection
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XXXX XXXX XXXX Can send these in as well once I get them scanned.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a dispute via the online portal with Experian regarding the XXXX XXXX XXXX account number XXXX. Experian failed to properly investigate the dispute. I recently learned that the CFPB filed a lawsuit against Experian, citing that the company had accepted unreliable information and failed to notify consumers of dispute results. This is my current situation. Experian has not removed or corrected the misinformation. I am requesting that this derogatory mark be removed or corrected immediately, as it is impacting my chances of acquiring a much-needed XXXX XXXX in the middle of winter. Experian has violated my rights as a consumer, as well as federal laws.
Product: Checking or savings account

On XX/XX/22 at XXXX XXXX, I went to deposit {$2600.00} ( all {$100.00} bills ) in cash at the Chase ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX location, ATM term ID - XXXX. The ATM spit back a {$100.00} bill saying it cant read it. I got distracted by that and walked away - so I didnt click any other buttons to deposit it fully. Called Chase the next day, admitted my stupidity, and they said they see an attempted deposit on their end and credited the money back to me. Now, a month later, theyre trying to say the ATM didnt have an extra {$2500.00} in it and theyre taking the money back. I asked them to review the cameras to see I was there depositing the money, with my mom right next to me, because theyre saying the ATM didnt spit the money back out. They said the person after me couldnt have gotten it. They dont review video as part of their investigation??? And I cant review the video without a subpoena from an attorney. So now {$2500.00} has gone missing, the ATM didnt have it, and the person after me couldnt have gotten it.
Product: Mortgage

My mortgage was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for almost ten years it was sold in XXXX XXXX to SLS Specialized Loan Servicing. While it was being sold I was in the process of a modification with XXXX. The modification was due to my interest rate going up from a previous modification set up. I was current on payments. I then started the process with SLS who from the start was a hassle. They sent out the forms and I submitted everything as they ask I was set up on trial payment {$50.00} less than my actual payments. The rep had asked that I still make the total current payment during trail which I did. The rep set up all the payments over the phone that day. The first payment in XXXX XXXX was denied by my credit union because it was not recognized, the same day I went back in and made the payments. This is all noted on my bank statements I will be attaching the statements showing all payments were made as asked. But they have my credit report showing 39 days late. I do not want this modification any more I do n't trust this company and they were trying to get me to agree to a XXXX balloon payment. Before I said I do n't want this modification I was asking them to correct the way my payments where being applied. I have reached out and did everything they have asked. The XXXX original reps I spoke to agreed with me payments were being applied incorrectly due to some code on my account. I just want my credit reporting correct and know what I owe to continue you mortgage they way it was. I 'll pay the difference and move on. I regret all of this wish my mortgage was never sold. My next payment to be paid is on the XXXX for the amount the rep set up this payment was to go towards my last trail payment for XXXX XXXX. I do n't know what to do next this has put me at serious health risk with my XXXX. I just need some direction on how to get this fixed. I do not want to refinance at this time I qualify for help and was just reaching out. They also sent me over a recast that I 'm unsure of when I contacted SLS they were unaware of it. Please help
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was not added to my credit report until XX/XX/XXXX. However, this collection agency apparently purchased the right to collect this debt in XXXX of XXXX. In addition, I never received an itemized statement from the original creditor to know of this bill before it became a collection. I have received multiple calls from this collection agency in which they did not speak on the line at all and just hung up immediately after I answered. These calls occurred from XXXX  XXXX XXXX  In my letter to the agency, I also requested information regarding their Registered Agent for Service of Process. I have never spoken with an actual person from this collection agency and have only received voicemails of how to pay online. In addition, they have also began adding interest to the debt as it originally was XXXX but is currently sitting at XXXX with no reason provided by the collection agency at all. At the time of the letters creation, the debt was at XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in XXXX negative accounts appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. I have also included police report as well.
Product: Debt collection

Portfolio recovery continues to harass me by calling me several times every single day.
Product: Credit card or prepaid card

I have a US Bank Reliacard that was lost and account compromised. I went to the US bank located on XXXX and XXXX XXXX XXXXXXXX, XXXX and advised of the situation. I expected if anything that the card would be shut down or instructions provided how to do so. I also expected to be able to withdraw my funds from the bank with my XXXX  XXXX ID. To my utmost dissatisfaction I was advised none of these actions could take place. I was denied my finances which caused me an array of harm and financial damage as I needed my funds and did not want a fraudster to obtain access for unauthorized use. 

I did receive a card however, I was assured that the XXXX XXXX would call back to discuss resolution and no call to date, has been received. 

I am mitigating my own risk by contacting the State of Nebraska and advising that I am discontinuing the use and the Reliacard relationship with US Bank as their security protocols are not designed to ultimately protect the people that use their banking products and I also need to find a way to be able to obtain my hostaged funds. 

I believe that this was an Unfair, Deceptive, and Abusive when especially a situation as this occured about a year earlier and they were able to provide funds and get my card shut down that day. To date this debit is still open, the balance is still obtainable to whoever has this card until I can officially get it shut down. 

This is in no way how you treat a customer no matter what US Banking product it is. If it looks like a duck, quacks like a duck it is a duck. If it looks like a US bank card, behaves as a bank card and says US Bank then it is indeed a banking product. 

The only resolution that can be provided is to resecure the card by shutting it down and allow me funds recovery by being able to withdraw my balance from this Institution.
Product: Debt collection

I received collection notices  from NCB s tating I owe them {$12000.00}. At the bottom of the letter it states they purchased the debt owed from  XXXX . I had a vehicle repossessed by  XXXX  in VA in  XXXX .  NCB i s reporting the debt is a collection owed to them and was opened by me with them in  XXXX   XXXX . This is incorrect! I never opened an account with  NCB  in  XXXX   XXXX . I was living in Delaware in  XXXX   XXXX  and not in Va. This incorrect report of an open outstanding collections of {$12000.00} is being reported negatively on my credit file. It was previously reported by  XXXX  as repossession on my credit file. This has negatively impacted my ability to sustain my credit standing and is preventing me from securing housing. I have disputed it with the credit bureau and with FTC. I just want them to correctly report it on my credit file as it was originally.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Capital One continues to have ( 3 ) Fraudulent Inquiries on my XXXX XXXX XXXX. I have been experiencing Identity Theft. I have filed the correct paperwork to have these fraudulent inquiries removed. Capital One is in violation of FCRA policy as I have requested the complete file in each transaction mailed to me. I have yet to receive these files after several months of waiting. I should have received within 30 days of request. 

Fraudulent inquiries as follows : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On around XX/XX/2024 I've been attempting to remove information that is related to identity theft in fraud activity. Information that the XXXX XXXX has on this account number is incorrect I do not have any business with XXXX XXXX XXXX. XXXX Account Number. I'm also found a complaint with attorney general 's office of the state because this is fraud. XXXX Account Number. Reflecting on my credit file. 

XXXX, Transunion and XXXX are reporting fraudulent activity.
Product: Debt collection

I sent this company 2 letters and they have never sent me anything! This is a violation of the FDCPA!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information being reported is incorrect, they have a name that is not mine reporting on my credit report and I have never opened any accounts with the name they are reporting for me
Product: Payday loan, title loan, personal loan, or advance loan

PNC Bank is not reporting my loan information accurately or fairly monthly to the credit bureaus. I took out a small personal loan of {$2500.00} on XX/XX/23 and my payment due date began the following month on the XXXX of every month. I made a payment early at the end of XXXX the same month I took out the loan and PNC Bank reported my balance not after my due date of the XXXX at the end of the month - reporting the balance to the bureaus well before my XXXX due date, reporting to the bureaus on the XXXX, XXXX, and XXXX of the month after all the interest has re-accrued for the month and before my payment due date on the XXXX. What it does is make my balance appear more than it is and it does not include my payment. Latest example, on the early morning of XX/XX/23, I paid XXXX Bank {$230.00}. My required monthly payment is {$100.00} on the XXXX. They reported to XXXX on XX/XX/23 that my balance was {$2000.00} when I had made a payment early on XX/XX/23 of {$230.00} bringing the balance to {$1800.00}. That harms my XXXX XXXX and is unfair and inaccurate in reporting. I filed a complaint and asked PNC to report to the bureaus shortly after my due date ( normally a few days afterward ) before the nearly XXXX weeks of interest reaccrues by the time they report on the XXXX, XXXX or XXXX. Dates matter, just as my payment due date matters in accurate reporting. PNC only gathered information to say they will not alter the reporting dates. This adds insult to injury because my XXXX XXXX was XXXX with a Very Good rating, yet the unjust interest rate they charged me was 30 %. Now they are reporting prematurely and unfairly. I am requesting help in resolving this matter.
Product: Debt collection

A caller identified as a debt collector try to collect on a credit card already paid 3 years ago. Creditor shows XXXX balance on credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Someone has used my personal information to obtain loans and credit cards from.
Product: Credit reporting or other personal consumer reports

Account details below reporting on my credit report. I do not have any knowledge of this account and I demand resolution- ie : its deletion. Ive been a victim of an identity theft. I have alerts placed on my credit reports and after inquiring with the tcs thinderbird multiple times in regards to sending me proof that this is issued my account - nothing has happened. 

TCS THUNDERBIRD COLL S XXXX XXXX XXXX Account # : XXXX XXXX - Account Type : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on behalf of myself. According to the FCRA The 3 consumer reporting agencies are in violation of 15 USC 1681 section 602. Which states I have a right to privacy. I sent these companies a dispute letter stating that are in violation of 15 USC 1666b ( please see attachment ). Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. They are in violation for reporting this inaccuracy to my consumer report. They are being intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy on my report based on federal law Please see attachment.
Product: Money transfer, virtual currency, or money service

I froze my account on XX/XX/XXXX, from Gemini Trust Company because someone was calling me at 2 in the morning pretending to be a customer account specialist at Gemini. I froze it thinking that I could unfreeze it the next day. I found out that Gemini is the only one who can unfreeze my account. I started calling and sending email almost everyday. Since XX/XX/XXXX up to today, XX/XX/XXXX, I only got one reply. The company does not have a live help support. I lost a lot of chances to collect gains. I can not make a trade. My account is still frozen.
Product: Checking or savings account

On XXXX while checking my bank account and realizing my balance was not where it should be, I found 4 unauthorized transactions along with 2 duplicate transactions from the same merchant XXXX. The duplicate transactions first occurring on XX/XX/XXXX for {$500.00} along with {$750.00} on XX/XX/XXXX. The 4 unauthorized charges begin XX/XX/XXXX for {$50.00}, XXXX {$170.00}, XXXX {$500.00}, XXXX {$400.00} for a grand total of {$2300.00}. On XX/XX/XXXX disputes were made but was told provisional credit was not going to happen since I authorized the transactions when I did not! My account is drained, claims department is not responsive or helpful, can barely afford gas and food right now and they are not offering provisional funds while they investigate. They mismanaged my account and let fraud occur and now are unwilling to return me my funds while they investigate.
Product: Money transfer, virtual currency, or money service

Reference : Coinbases transfer to a FRAUD SCAM Brokers : XXXX, I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company, The funds were transferred utilizing Coinbase 's services in the total amount of XXXX EUR!, I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.
Product: Checking or savings account

On XX/XX/XXXX I received a phone call from a woman with phone number XXXX, claiming to be a representative from my bank Amtrust ( New York Community Bank ). The woman wanted to know what " money line '' was and who was this I was sending my money to? When I XXXX the phone number, XXXX belonged to a private resident so I immediately hung up, thinking it was a scam. I went in person to a local branch closet to my house and the bank representative said there is no problem with my account and could not understand why the other branch was calling me, unless it was for a fraud check or to sell an extra account. 

On XX/XX/XXXX I received a phone call from the same number claiming to be my bank Amtrust ( New York Community Bank ) and she wanted to make sure I wasn't being scammed and who am I sending and receiving money from in my checking account? I told her the online transfers are legitimate. The female representative then asked would I be interested in an extra business checking account in addition to my personal checking account? I said no, because I do not have a business. She then said that you look like you are running a business and " My XXXX XXXX Checking '' is only for personal accounts. I then told her if she was in the banking business or XXXX  XXXX XXXX XXXX she would see that it is a banking/brokerage account. I do not need any unnecessary business checking account. Thank you. I then called the corporate office and the representative " XXXX '' checked my account and said he could not find any problems. 

On XX/XX/XXXX, I received a certified letter from Amtrust ( New York Community Bank ) that my account will be closed in one month for no specified reason.