23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I have tried already to contact CBNA/ Best Buy. They have 2 Hard Pulls on my credit without my approval. They claim that they upgraded my regular best buy account to a mastercard. This required a hard pull which I NEVER approved. I called immediately when i saw on my credit and have been trying to have removed since. They refuse. I do not want to close the account to hurt my credit! XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX.
Product: Debt collection

Repeatedly requested a written copy of the debt, breakdown to confirm. Repeatedly asked for a statement of bill. Was told they are not sending anything else out. Others said they would and never have. Made multiple phone calls without resolution. I have been not able to make any progress to confirm the bill and make payment, ut I keep getting threatening harassing calls.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report from XXXX I would like them to be removed if possible. I also have some reports on there from XXXX if if they can be removed then I would really appreciate it thank you. The bankruptcy on my report is also old if that can be removed I would really appreciate it thank you
Product: Mortgage

PNC Mortgage made a double payment out of my escrow on XX/XX/XXXX and XX/XX/XXXX to pay for my homeowners insurance causing my escrow to go into the negative. XXXX XXXX only has a record of 1 payment posting on XX/XX/XXXX. I am now missing {$1000.00} from my escrow due to this double payment. I have notified them via their Secure Message site on XXXX and on XXXX submitted a Notice of Error on their Secure Message site by which they must respond timely as required by RESPA. As of the evening of XX/XX/XXXX, I have still received NO response from this mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent XXXX, XXXX and Experian a letter to perform an investigation and review the accuracy of the account, XXXX XXXX XXXX. I am still seeing a monthly payment on a closed account and moreover, they re-aged the closed date and are reporting both on time payments and " repossession '' on my credit file. This information is misleading and inaccurate because they should not be reporting anything on my file after the account has been closed. Due to their negligence, i am now asking that this account be removed from my credit report because no notice of dispute was entered on the remarks section which violates my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank is reporting duplicate inquires that I do recognize. Duplicates not authorized at no time do I recognize these duplicate inquiries.
Product: Credit reporting or other personal consumer reports

I have sent your company numerous of disputes. You are not abiding by the US Federal Law with FCRA. I am trying to dispute the ACCURACY of the account. I am not trying to validate these accounts I need accuracy on my accounts. After your investigation, I have seen you violate the law again. The account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' is INACCURATE & INCOMPLETE. They sent XXXX XXXX is {$0.00} and Equifax Balance is {$1400.00} for a Collection. Proof has been provided. They sent XXXX XXXX XXXX is {$0.00} and Equifax High Credit is {$1400.00} for a Collection. Proof has been provided. Overall, this account should be deleted after your investigations are not accurate. They want money for inaccurate account. This shows sign of fraud to lenders when they view my credit report. In addition, I viewed the aacount of " XXXX '' which is reporting longer than 7 years. According to FCRA this account should be deleted after three years. Proof have been provided. Date Opened on this account XX/XX/XXXX It has been 7 years as of XX/XX/2023. Please delete these inaccurate accounts in the attachments. Please process my 6 letters in the attachments and other evidence. Credit report been provided.
Product: Checking or savings account

Chase bank refuses to give me access to a direct deposit. On XX/XX/XXXX I deposited a check from my brother for XXXX . In was returned insuffient funds due to he accidently wrote it out of wrong acct. When it was returned my acct was negative XXXX . I called Chase and they notified me they will mail the check bank to him. My brother air mailed me a check from the correct acct for XXXX $ and I deposited via Chase mobile app on XX/XX/XXXX. On XX/XX/XXXX my mobile app stated funds were available. I attempted to purchase gas on XX/XX/XXXX and XX/XX/XXXX and it was declined. On XX/XX/XXXX I called Chase and was transferred to a hold department. I was total a hold was placed on my funds til XX/XX/XXXX. She stated she could not tell me why but gave me reasons it may be on hold like supecious unusally deposit, insuff funds, and others. I informed her I was in hardship, no food for household and no gas and my dad is admitted in hospital and ask for XXXX $ to be available and it was decline. I asked her to cancel the deposit. She stated it cant be done. I informed her that I was going to take the check to the bank it is on, XXXX XXXX XXXX, and she said I could not do that and advised against it. I will be going to the food bank tomorrow for the first time in my life. I am unable to pay my ulitities which will be overdue by XX/XX/XXXX and worsest of all, my rent is due on XX/XX/XXXX and I will be charged XXXX $ per day late fees ( XXXX $ ). This check is written on my dad acct which my brother is XXXX. Dad moved in with me and this check is covering the expenses I occurred for caring for him. My brother and I are jointed guardianship. He is supposed to be released from hospital tomorrow 40 miles away, will have new prescriptions to be fill for XXXX and I will not have his money available to care for him. I will be contacting the hospital social worker tomorrow for help. My brother told me that Chase did the same thing to him and that 's why he changed back. Chase bank is abusing the hold fund to accumulate interest for gainful profit. XXXX I pray for our Nation. Their is no longer middleclass citizens to due corporate thieves. The customer service lady I spoke to today was cold hearted. I checked my mobile phone again a few hours after I got off phone with her and the funds that showed available are no longer available. She changed went after I told her that I was going to try to take the check and cash it at the bank it was wrote on. She again advised me not too, and said she was going to " note my acct ''.
Product: Debt collection

they sent me mail about repaying my student loan. I signed up and amount due on my account was not matching with what it claims in my federal student loan account ( lower ). They claimed the school newly assigned as new loan service. I got suspicious because I did not have any loan with that amount and the one i have has no interest but they had 5 % interest. when I contacted my Federal student loan, they said that my loan service is not them. I did not pay them or any bank information but I gave them the following information. - they already knew about my name, address - I create an account with name, email, DOB, address, info about few reference and last 4 of my social ( i don't remember if i provided the full )- I filled out the exit interview forms with above information their website : heartland.ecsi.net address : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX , PA, XXXX phone number : XXXX organization : they have two step verification, very good representative, " supervisor '', they even transferred me to my school billing department since I was convinced from their explanation attached the bill they send out
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2019 XXXX XXXX filed for Chapter XXXX Bankruptcy in Arizona ( Case No XXXX ). XXXX XXXX XXXX received a Chapter XXXX bankruptcy discharge on XXXX XX/XX/2019. As you are aware the discharge prohibits any attempt to collect from the debtor a debt that has been discharged. In a case involving community property : There are also special rules that protect certain community property owned by the debtor 's spouse, even if that spouse did not file a bankruptcy case. At the time of filing XXXX XXXX XXXX, was married to XXXX XXXX XXXX. The bankruptcy case for XXXX XXXX XXXX listed all community assets as part of the bankruptcy estate. In this case the discharge operated as a community discharge where community claims were discharged for the non-filing spouse. Under Section 524 of the Bankruptcy Code, creditors of the debtor and the non-filing spouse who have a community claim on the date of the filing of the bankruptcy case are barred from asserting a claim against after acquired community property. The resulting Chapter XXXX discharge operated as a community discharge of the community debts. Please be aware that an attempt to collect a discharged debt from the community property from the non-filing spouse violates the discharge and you may be required to pay damages and attorney 's fees to the debtor.
Product: Mortgage

I got a letter from Open Mortgage dated XX/XX/XXXX saying I was not approved for a reverse mortgage. however, I never applied for a loan! 

the loan number is XXXX, the address for them is XXXX XXXX XXXX XXXX, # XXXX, XXXX Tx XXXX by XXXX I tried calling but couldnt get through. I dont know these folks, but I want to make an official complaint. 

Thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit report that does not belong to me and/or is inaccurate information : Please assist me in getting these items removed : Fraud Reporting Information : XXXX XXXX XXXX XXXX XXXX - Experian Child Support - That is reporting incorrectly. I have contacted Child Support because XXXX is reporting inaccurate Child Support Information. There was an overpayment where Child Support had to reimburse the money sent. XXXX is reporting inaccurate information. 

XXXX XXXX XXXX XXXX - This is a fraud account. This account was not opened by me. XXXX is reporting fraud information and they was sent a FTC FORM. 

I have never had a XXXX XXXX XXXX account because whereI live they do not have XXXX XXXX XXXX XXXX. I have talked with XXXX XXXX XXXX Customer Service Rep and they do not see any accounts with my name on it. So XXXX   and XXXX  is reporting incorrect information. 


Inquiries that was not authorized by me : XXXX XXXX XXXX 3 times
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 XXXX 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 auto loan, opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an account no. XXXX opened at XXXX, XXXX on XX/XX/XXXX, account no. XXXX opened at XXXX XXXX on XX/XX/XXXX, and another auto loan account no. XXXX opened at XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. These are the extra inquiries Not recognized, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

In XX/XX/XXXX- started XX/XX/XXXX- XX/XX/XXXX someone used our XXXX XXXX credit card number in and around XXXX, XXXX. Our entire family was in the United States at the time. We have other charges on the account that our ours and that were used by presenting my card in person during this time period. When we discovered the issue initially I told them it was fraud. The card was cancelled, balance transfer to a new account and we were sent new cards. The card was not working at some point and I had to call them and learned about the fraud. They closed this account and issues new numbers etc. along the way I contacted some of the accounts on here that were fraudulent and the XXXX said they would be more than happy to give all to information to XXXX in order to resolve and the said they would. My understanding is that they never even reached out to the XXXX to inquire. I asked if I could speak to the person reviewing the fraud to answer any questions. The XXXX XXXX customer service said they would reach out to me. I received a letter stating that they did t not believe this to be fraud and that I had to pay the charges. They never contacted these companies. In fact, I dont know that they looked into this at all. I need help getting them to do a more thorough investigation and recognizing that these are not my charges. Since I was in the US with my cards this had to be someone who stole my cc number and cloned a card. Whatever the scenario I really need help assistance.. Here are the charges. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Please see attached photos of my credit card bill during the fraud that shows I was using it. Not only that XXXX should have asked me to keep my cards or should have called me right away to check where the card was. I called some resources for help and both the police and the bureaus say that your number can easily be cloned or skimmed and ported to someone elses name, or punched in and replicated. I need help to get to look into this more thoroughly and show proof and explain why you think this not fraud. I want to see signatures, copies of cards, me on cameras at some of these places in XXXX. I would like thisnrighted please Thank you in advance for your assistance with this matter. Sincerely. XXXX XXXX
Product: Student loan

I had an account with NYST HIGHR ED and the primary person responsible for this student loan died.

I have contacted with NYST HIGHR ED regarding my account and they said this account has been closed and there is no balance. 
I have submitted primary loan borrower 's death certificate on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the   XXXX   of  XXXX  and again in early  XXXX  Experian experienced a database glitch that deleted my Experian Inquiries. Once the glitch was realized, Experian added them back to my report. I have placed a freeze and fraud alert on my account. I was not given written notification 5 days prior to it appearing back on my report. computer glitch was Experian 's problem - not mine - caused my inquiries to be deleted. Experian later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Experian in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that your rights were violated by Experian. Please CFPB help me make Experian stop victimizing me.I am asking that all of my Experian inquiries be deleted permanently from my report as a violation took place when they were illegally added Also the correct spelling of my name is   XXXX   XXXX   and Experian has repeatedly will not correct my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still an account that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected.

XXXX XXXX XXXX XXXX*** Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

I notice an error on my credit report from a company called XXXX. I reached out to the company because they had reported that my account was over 60 days late which was not accurate. I immediately filed a dispute with the credit bureaus explaining that the information of my report was inaccurate. I wrote a letter asking for the information be correct and provide proof about the inaccuracies. At first XXXX fixed the error but last week put the inaccurate information back on my report. Equifax as never fixed the error and stated that the information was accurate. I asked for copies of the investigation to see why they said the information was accurate. I have yet to receive anything. It has been two months.
Product: Credit card or prepaid card

A credit card was opened in my name for Best Buy at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

Two charges were made, once on XX/XX/2023 for {$1300.00} and again on XX/XX/2023 for {$1200.00}. A credit limit of {$4000.00} was opened and a total purchase of {$2600.00} was made in my name. I have never inquired or tried to open an account with this company. I contacted the company with no resolution in site. Either redirected my calls or was unable to properly communicate with me.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXX XXXX**** Collection XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX : UNITED STATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX Also XXXX XXXX XXXX XXXX, XXXX, MA
Product: Bank account or service

Two transactions were posted after the service was cancelled. I filed a dispute with my bank, but the denied my dispute, stating that they will not be credited because they were unauthorized transactions. This caused {$70.00} NSF fees as well as several {$5.00} daily overdraft fees.
Product: Debt collection

I am writing to file a formal complaint against JeffersonCAPITAL, a debt collection agency, for their persistent harassment over a debt I do not acknowledge. For several years, I have received constant phone calls and letters from them regarding a debt supposedly owed to XXXX, which I do not recognize as valid. The issue began when I transferred my phone service to a new provider. Due to an error on XXXX 's part, my account was not closed properly. After XXXX declared bankruptcy, I received a bill and promptly contacted their customer service. They informed me they were no longer operating and could not assist further. Shortly after, JeffersonCAPITAL began its relentless collection efforts. For the past XXXX years, I have been subjected to incessant harassment from JeffersonCAPITAL. They have been calling and sending letters non-stop, significantly impacting my peace of mind. Additionally, they have reported this disputed debt to my bank, adversely affecting my credit score. I have always maintained an excellent credit history and have never been delinquent in my payments. In an attempt to resolve this issue, I contacted JeffersonCAPITAL and explained the situation. They demanded a lump sum payment of {$120.00}, which I could not agree to. Instead, I paid them {$50.00}, and they accepted my proposal but still asked for more money. I then committed to paying another {$50.00} to resolve the issue. However, they continued to be very aggressive and demanded even more money for a debt that was not mine. Despite my best efforts to negotiate, their representatives have been extremely uncooperative and have continued their aggressive tactics. I am seeking your assistance in resolving this matter. It is unjust for me to be held accountable for XXXX 's mistake and to suffer continuous harassment from JeffersonCAPITAL. I hope your bureau can help me end this distressing situation. Thank you very much for your attention to this matte