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

Between the dates of XX/XX/XXXX and XX/XX/XXXX over {$13000.00} was charged to my checking account using my debit card information. I never lost my card so am not sure how the information was obtained. I was away at a wedding for a long weekend and did not realize the charges were being made. I was never once contacted by my bank even though huge charges were being made and my account was overdrawn by over {$9000.00}. Around midnight on the XXXX of XXXX I called Key Bank to try and talk to someone but could not reach anyone on the number I was calling. I went online and canceled my card and called the fraud department at XXXX the next morning. I spoke with a woman from Key Bank on the XXXX who helped me file a claim over the phone. She added the fraud charges made with XXXX, XXXX XXXX XXXX, and XXXX but also asked me about various other charges that seemed suspicious. Charges made to XXXX XXXX and XXXX did not seem familiar to me so I agreed with her that they should be added to the claim. It turned out that a few ( maybe XXXX ) of these additional charges were over 60 days old which I later learned caused my entire claim to be denied. I tried to file another claim twice over the phone and correct this mistake but the second time the Key Bank employee on the phone with me misunderstood and filed the same claim with the same transactions and the third time although the only charges on the claim were those made with XXXX, XXXX XXXX XXXX, and XXXX it was still denied based on the mistakes in the first claim. I filed a police report in late XXXX, went into a Key Bank branch in XXXX when I was visiting WA XXXX, contacted XXXX, XXXX XXXX, and XXXX, and have been calling the Key Bank fraud department regularly since the incident occurred without any progress. I spent multiple hours on the phone with XXXX going over all the charges made on my card. The woman I spoke with said that the charges were all refunded to my card the same day which never happened. She also said that that amount of charges should have never been able to be made that close together which was suspicious to her. She told me someone from another department would call me back with next steps in a few days and they never did. XXXX XXXX told me to file my claim online which I did and have never gotten a response from them other than thanking me for filing a claim. XXXX told me to deal directly with my bank and that they could not help me. I have currently been reaching out to law firms, been in contact with the executive branch of Key Bank, and gotten updates from the detective working on my case at the local police station. Key Bank continues to tell me there is nothing they can do, that I get documentation from XXXX, XXXX XXXX, and UPS that the charges made were not made by me, and that I should be checking my online banking more often. Their lack of communication, poor customer service, dismissive attitude, and the fact I am still trying to resolve this is shocking to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

SHOWING 4 LATE PAYMENTS I WAS NEVER LATE AND IVE ASKED THEM TO REMOVE THEM XXXX  XXXX REFUSED. I HAVE NEVER BEEN LATE
Product: Credit reporting or other personal consumer reports

I've been disputing negative items that are not 100 % correct on my credit report for some time now. Experian is disregarding my dispute and continuing to report the item in violation, which is unfair to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordence with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602a states I have the rights to privacy.

15 U.S.C.1681 Section 604a section 2 it also states A consumer reporting agency can't furnish a account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Experian, XXXX, XXXX three major credit reporting agencies has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

these accounts you continued to report as late payments XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : DEPT OF EDXXXX XXXX US DEPT OF EDXXXX 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

According to My Current Credit report, I have an outstanding balance of {$4800.00}, On a Capital One Card, when in actuality the card had been paid off in one sitting. However, the balance still remains on the report and proceeds to bring my credit score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit card or prepaid card

On XX/XX/2021 I returned home from a trip and found a Chase Freedom credit card in my mail which I had not applied for. this is a concern of predatory lending by sending a card I had not applied for and a hit against my credit which I am requesting is reversed. I called the company which resulted in numerous instances of terrible service. 
-1st person I called as a offshore call center and the agent could not help nor provide me with any detail. She transferred me to the Fraud department where I received a closed message.

- I called back and spoke with XXXX who seemed to have limited English. I asked to speak to an onshore agent and she said she would transfer. I waited for 10 minutes with " dead air '' before hanging up and calling back. 
- 3rd call and spoke with XXXX and asked to be transferred to a supervisor. He said okay and the call was disconnected- he appeared to hang up. 
-4th call I made and XXXX answered the phone. I asked to speak to a supervisor and after a wait he transferred me to XXXX onshore. I explained the situation to him and he said I needed to speak to the Fraud team. I was transferred to XXXX after another XXXX minutes. 
-Spoke with XXXX for 15 minutes and again shared the issue and as she was processing the dispute and closing the card the call got disconnected. 
I gave up a good portion of a Saturday morning dealing with this lousy company without any resolution. They should be investigated for sending a live card to someone who has not applied. Further more the customer service generally stunk, XXXX was helpful but the rest were not and it took to long. Additionally they should remove any credit checks that were done during the application process and close my card. I have frozen the account but need it closed. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Our home was located in a natural disaster area for hurricane irma in XX/XX/XXXX. We filed for hurricane deferment and was approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX we sold the property.

We are attempting to purchase a new home and was told we are now showing 90days late for the time periods XX/XX/XXXX-XX/XX/XXXX. We contacted the Previous mortgage company and they insist they never submitted us being late and listed us as under deferment and ontime for payments.

The credit agencies were contacted multiple times and they insist they are correct. We are going to be homeless in 15days due to the credit agencies not investigating correctly even thou they have copies of our payments being complete and ontime.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which does not belong to me or was opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Acct # XXXX XX/XX/2019 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: Mortgage

Loan Care failed to make XX/XX/XXXX-XX/XX/XXXX property tax payment for {$1000.00}. Im in the process of selling my home and escrow discovered that the payment was in default. I called on XX/XX/XXXX and spoke with a customer service rep that was working with another department to resolve. He said I would receive an email from them within 1-2 hours with a resolution. I never received the email. On XX/XX/XXXX, I called back in to resolve and they said they didnt have any record of another department working on it and that the burden of proof was on me. I explain that the tax information is public and there was obviously a discrepancy in what I was being told today vs yesterday. I asked for a supervisor and the supervisor hung up on me. Now, I have called back in to try and resolve for the 3rd time and have been place on hold without ever being able to get in touch with anyone. I believe its likely my account has a notation on it that when read they stop helping me. My concern is I have been paying into an impound account and they have not fulfilled their obligation to properly service my loan by making the appropriate payment to the county for property taxes. This is very concerning. When logged in online the history of the escrow account does not go back for me to research on my own. After looking at reviews online, I see many other customers experiencing the same thing without resolution. Considering that as a home owner we dont have a choice in our loan services especially if our lender sells the loan. We are forced to do business with an unethical company like loan care and there should be better oversight from the CFPB to prevent this from happening. I would normally say this is my fault for choosing to do business with them, but I dont have a choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is continuing to report XXXX XXXX XXXX XXXX on my credit file despite receiving numerous FTC reports and being notified by law enforcement. I once again demand that Transunion immediately remove this account from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

tried disputing/fixing with the company dire

ctly numerous times. never had any consent/permissible purpose to furnish accounts ( 15 use 1681b ). violation of my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Under the 15 USC 1692cc law act. My information can not be sold to third parties, and I was not of aware of any payment from company. I would like for this payment collection to be removed from credit report. Collections agency XXXX XXXX reported XXXX XXXX for {$4100.00}. The original creditor name XXXX XXXX XXXX. I was not notified about any payment by mail.
Product: Credit card or prepaid card

I have been using my XXXX XXXX card for years, because of the high interest rate, I religiously pay off my balance. In XXXX XXXX my wife used the card and there was a balance that I was not aware of, and the payment was due on XX/XX/XXXX. I paid the balance in full on XX/XX/XXXX. They then sent out a late payment notification to the credit agencies, which has severely negatively affected my credit. I was unaware of the late payment report until XXXX of XXXX. I called and discussed the issue, and they credited me the later fee, but my concern was with the credit agency reporting. I asked them to send an update which did not happen. I waited 30 days, heard nothing and then called again today to explicitly ask them to review it and notify the credit agency. Late payments are only supposed to be reported when the payment is over 30 days late, not 7. This was put on my report in error, and my credit/interest rates have suffered significantly over the past 6 months.
Product: Debt collection

XXXX has been trying to collect debt that does not belong to me i have requested proper validation and which XXXX has refused to give me all they say its verify well i have a right to see what they call verify they have failed to provide me this information
Product: Vehicle loan or lease

I have a disagreement with the practice Santander USA has manage this loan account from XXXX  to XXXX. 

The original lender of this account was XXXX XXXX XX/XX/XXXX 

XXXX XXXX XX/XX/XXXX gave it to XXXX XXXX, XXXX XXXX gave it to Santander USA in XXXX. 

Santander USA claims it was manage my loan account since XXXX, which is false, they know it, I know it. 


I calculated {$550.00} a month x 10 years which equal to {$66000.00} I pay on this loan account.
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 TransUnion, XXXX, and XXXX credit reporting agencies, 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 personal credit card accounts opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, and a cell phone account opened at 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. 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 reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries Syncb/Paypal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Syncb/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 than 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: Checking or savings account

I was scammed trying to sell a product and the guy deposited a check and before it was bounced he took money and transferred through XXXX transactions through XXXX. He overdrafted my account and the bank is denying my claims.
Product: Credit reporting or other personal consumer reports

There are credit inquiries Im disputing as fraud, I do not recognize these inquiries and would like them removed asap.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I made a transfer of {$10.00} I made a transfer to Robinhood Financial with the intention of purchasing XXXX and to make sure I could make the transaction successfully. The transaction was successful. On the XXXX of XX/XX/2023 I transferred {$50000.00} to Robinhood. On the XXXX of XX/XX/2023 I transferred {$4700.00} to Robinhood. These funds were to be available to me on the XXXX and XXXX of XXXX to enable me to purchase stocks or crypto assets. On the XXXX of XXXX I purchased crypto ( XXXX  ) for {$50000.00} at the price of {$25000.00} after which I tried sending the assets out of Robinhood to my personal wallet. Error messages came up stating that the amount exceeded how much I could send. When I tried again an error message came up stating my account is restricted from withdrawing crypto at this time. I gave it a 24 hour wait time to retry again but still got the same message. At this time I had {$49000.00} as my crypto assets and {$4700.00} as my cash holdings. This was on XX/XX/XXXX. I tried several times that day but the same message kept popping up so I had to contact support about the situation.I was told that my account was under review and would be processed within 3-4 days max. On the next day ( XX/XX/XXXX ) I got an email requesting my bank statement which I sent them. I didnt get any messages from them until the XXXX of XXXX when I contacted them to ask about the process. I got no response until the XXXX of XXXX when they told me they were waiting for me to send the bank statement. I resent the statement to them. They said it would take 7-10 days. On the XXXX of XXXX I called them again because it was taking too long and because I am a XXXX XXXX  I wanted to make sure that I got my money back. On the XXXX they sent me an email saying they were closing my account with them and they would be selling off my assets to refund the money. On the XXXX I received an email that my stock was sold on the XXXX of XXXX I was told they would be in contact about how I could withdraw the money. I also got another email that my Crypto was sold for {$26000.00}. The market value on that day was {$27000.00}. After that I didnt get any messages from them so XX/XX/XXXX I tried withdrawing from the account but the restriction was still there. I contacted them on XX/XX/XXXX to know when the funds would be available in my XXXX XXXX XXXXXXXX account in XXXX, Utah and was told it would take 15 business days or whenever they got around to it. Meanwhile my bank account was closed at XXXX XXXX XXXXXXXX probably due to lack of funds. I will need to have other arrangements made to send the money to me. I have read stories from others who have had difficulties getting there money from Robinhood and I believe without your help they intend to keep my money.