23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Western union took {$500.00} out of my account without authorization
Product: Checking or savings account

On XX/XX/XXXX I was surprised to find a much lower than expected balance in my business checking account. I was concerned that fraudulent activity may have resulted in unauthorized use of the funds in my account. I spoke to my bank and was told that with all pending and processing transactions I had an available balance of {$200.00}. I thought the balance was significantly higher. Though I was departing on vacation, I was confident that further fraudulent activity, or any further withdraws for that matter would be impossible due the fact that I had not affirmatively opted in for overdraft protection for ATM and debit/pos transactions. The logic being, even if someone did have my information that the bank would not authorize any subsequent transactions because after an ATM withdraw of {$180.00} my available funds should have been less than {$20.00}. I confirmed with my banker that I was not enrolled in overdraft coverage either through a connected account or the more common {$35.00} fee per transaction. I was shocked to see upon returning from my vacation that my account had a balance of - {$1100.00}. Not only was I unprepared for the overdraft fees associated with the transactions that brought the account negative I was confident that any transactions ( some of which do indeed appear fraudulent ) would be able to be debited against my available balance. This has left me in a dire financial situation. I went into the branch and confirmed that overdraft coverage was indeed not authorized on my checking account and the banker could not explain why the transactions ( which were charged {$35.00} overdraft fees as well ) were authorized. This is very distressing since I made financial decisions as well as a decision to postpone assessing prior transactions on the reasonable assumption that my account would not be charged anything past my very low available balance. This has left me in a difficult financial situation made even worse by the fact that any deposit made by me must first be used to pay off a negative balance and associated fees. Furthermore, my banker can not tell me why or how these transactions were authorized. This means I literally only have the downside of overdraft coverage and none of the benefits.
Product: Credit reporting or other personal consumer reports

Dept of ed/Nelnet is incorrectly reporting late payments on my credit report and I have never been late in fact my loan has been in tpd since I left school
Product: Mortgage

RE : NEW COMPLAINT IMPROPER SERVICING OF MORTGAGE LOAN ENDING IN -XXXX To Whom it May Concern : Complaint Information : A complaint was filed on XXX with the CFBP. XXXX XXXX XXXX provided a letter dated XX/XX/XXXX to the complaint which contained false statements and inaccurate information ( See attached ). Capital One responded indicating that no payments were made on my account during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and a payment was received on XX/XX/XXXX in the amount of {$3300.00}. No lump sum payment in the amount was ever sent to XXXX XXXX XXXX on XX/XX/XXXX. 

This information is false and inaccurate. While I was in a Chapter XXXX bankruptcy, I was responsible for making all payments directly myself. The mortgage payments were not made through the trustee/bankruptcy court. Attached, you will find evidence/proof from our XXXX XXXX XXXX checking account statements provided by XXXX XXXX XXXX showing ALL the above referenced payments were made during the months they were due. I have placed an * next to the payments in question. 

Since filing the original complaint with the CFPB in XX/XX/XXXX, I have attempted to contact XXXX XXXX, Office of the President, Financial Services on the phone numbers provided in the attached letters several times. This individual does not answer the phone and has not returned any of the messages I have left.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED Account XXXX an alleged bankruptcy WITH YOU. AND IN RESPONSE. YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT. AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER ; THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed that a collections account was added to my credit report. This account was closed in XXXX and the last payment is listed as XXXX, yet a collection account is still showing On my credit report. I have contacted the lender as well as TransUnion but TransUnion currently has another non compliance issue in which they are manually investigating a dispute and although it has been over 30 days that existing dispute bars me from submitting another dispute to get this erroneous account removed.
Product: Credit card

The date of first delinquency was in 2014 I stopped paying because they closed my card. They claim I kept paying but I have no record in my bank account or any of the accounts I own that they have been paid. Unless they can produce payments from my XXXX account or XXXX XXXX account then I would like this removed since this has been on my credit report for over 9 years as a charge off.
Product: Credit card or prepaid card

New york company credit card store and and XXXX closed my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute my bankruptcy report being remove from XXXX TransUnion and XXXX  due to my case being closed need help removing it off my credit report.i also wrote my circuit court about verifying my record which they reply that they are not able to release info to credit bureau. My XXXX also is in freeze status.
Product: Money transfer, virtual currency, or money service

Hi, I was currently buying XXXX currencies on the binance XXXX XXXX app and experienced some problems with my banks which binance labeled as chargebacks. 

I settled the chargebacks in my account about 4-6 weeks ago by adding the missing money but currently my account is still locked and all trading has been disabled. 

Ive been trying to reach out and fix the problem for 3 months since the chargebacks occurred but have received no response. 

Need help to resolve this issue with them XXXX soon as possible.
Product: Debt collection

I moved 2 years ago and they were sending bill to old address, so I never received anything. They had my new address and only sent to old address. I never knew about this bill until I checked my credit report. Now, I 've paid this around three months ago and it 's still showing it 's open and has balance.
Product: Debt collection

There is information on my consumer report that is a result of identity theft on my Consumer Report 's. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. FXXXX XXXX XXXX XXXX XXXX XXXX : Account-XXXX has furnished fraudulently reporting alleged debt in violaton of FCRA and the FDCPA. This illegal accounting and debt parking has never been given permissible purpose to furnish such damaging information pertaining to my health without my express written consent. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself. I have items on my consumer report that are a result of an identity theft and not made by any legal or lawful transactional history related to me.
Product: Money transfer, virtual currency, or money service

I am filling this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan opened at Affirm on XX/XX/XXXX under the account number XXXX, an phone account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has 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 or other personal consumer reports

The personal information is incorrect and I've requested this inaccurate address shown me as residing in Michigan be removed
Product: Debt collection

Someone have stolen my identity. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX. Someone stole my identity and opened up this account. I have never had this account. Transworld Systems and XXXX XXXX are reporting to the major credit bureaus a debt that is not mine. They are reporting to XXXX, XXXX XXXX and XXXX. I have never had an account with them.
Product: Debt collection

This situation has been incredibly frustrating and overwhelming. Imagine waking up one day to find yourself burdened with a debt you have no knowledge ofunverified and completely unrelated to you. On top of that, enduring harassment through multiple communication channels, paired with threats of legal action, is both exhausting and demeaning. As a law-abiding citizen, having my rights as a consumer violated in this way is deeply insulting. This ordeal has taken a serious toll on my mental well-being, leaving me anxious and sleep-deprived for days.
Product: Debt collection

XXXX and Comenity Capital Bank XXXX XXXX XXXX OH XXXX XXXX for account number ending in XXXX has harassed me since XXXX by charging me a late fee of {$37.00} for a balance that was paid in XXXX 2016 in full. I have called and asked this to be corrected and they have refused. They continously report this to the credit bureaus monthly driving my score down over XXXX points since XXXX 2016 EVERY MONTH. 

I reported this to you in XXXX and still not resolve? When can I expect some help from you with an issue that is clearly out of control and unfair? They now have a balance of {$130.00} built strickly from late fees and interest that they are reporting which is incorrect and should be XXXX as this bill is paid. 

The original credit limit was only {$250.00}. I made orders and paid them faithly on time each month. Only when I paid the balance off did they start the antics to continously collect funds an keep me in debt. 

Please advise.
Product: Debt collection

This complaint is about XXXX XXXX XXXX, first of all, the original creditor was not XXXX, XXXX was the name of the store and that is the name that would be on the credit card, second of all, XXXX has never sent me any of the documentation that you have mentioned on the previous complaint, XXXX does not have access to the original contract for this account, the original creditor is a different company, I would assume that if XXXX XXXX XXXX purchased this account, that they would know who the original creditor is and even if there was a contract with the original creditor, I do not have a signed contract with XXXX XXXX XXXX, show me a signed contract that says that I have agreed to pay XXXX XXXX XXXX this debt.
Product: Checking or savings account

On Sunday Night, my access to USAA was suddenly frozen, I was kindly ask to submit identification documents and I did. On monday in the day I was told everything was restored and I was able to access my accounts again. 

Not even 10 hours later - I am trying to buy groceries for my family, and my access is restricted again. 

I call and get an extremely rude agent who said I cant have my money for 60 days and that theyre closing my account ; and theres nobody I can speak to. 

Ive been a loyal USAA member, no overdraws never missed a credit card or insurance payment. 

Being a physician and working during this COVID-19 crisis I can not be working these long hours and dealing with banking issues at no fault of my own. I also need access to my money.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX is the ONLY credit bureau showing inaccurate information on my credit report. After going back and forth between XXXX and the credit company Curacao for a whole year, this was Curacaos only helpful response : It appears that this is a problem with XXXX. We report the same data to all the credit bureaus, and our practice is to report accounts that have been paid off after charge-off as " Paid '' with a XXXX XXXX 

XXXX states that Curocao verified the inaccurate information even after I provided a XXXX Balance Letter as proof that the account was paid off/inactive as of XX/XX/year>. XXXX refuses to correct the remarks on my report, the status of the account, and the history of the payments even after I provided proof. 

Ironically, the history of the account has been reported as ND ever since I began the dispute process a year ago. Meaning that if I never disputed it, XXXX would likely have still reported this account as a charge off that was never paid, which is false and grossly unfair to me. Although the account unfortunately was late and hit a charge off, it makes a difference to report that it was ultimately paid off in full to the creditor and closed. 

I am requesting that the history of the account be corrected to terms met starting for the month of XXXX XXXX XXXX, when I paid the account off in full and NEVER used it again. The account has since been inactive and closed. Additionally, a remark needs to be added as paid with a XXXX XXXX in which Curocao states that is what they report to all bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On XX/XX/2019 I attempted to log into the mobile app for Bank of America checking account information. I was not able to log in and received a message to call the ( 800 ) customer service number. I was told by the customer service attendant that my account was in the process of being closed due to fraudulent activity. I was instructed to go to my bank branch and have the funds in my account transferred to a new account. At the branch office, I was told that I would not be able to transfer the remaining funds in my account to a new account so that I could have access to my funds and continue to utilize a Debit card for future transactions. I called the ( 800 ) number as instructed by personnel at the branch. The customer service representative told me that I would have to call back on Friday after the XXXX XXXX XXXX holiday. 

I obtained a copy of my account statement and noted that the statement showed a hold on a pending debit of {$880000.00} as of XX/XX/2019. I had no knowledge of such a debit amount and I do not understand the existence of this debit. 

I returned to a branch on XX/XX/XXXX, with a copy of my statement and asked a customer representative for an explanation of the action taken by the bank. I was told that the pending {$880000.00} pending debit was the banks way of identifying suspected fraudulent activity in an account. The representative attempted to get information by calling the banks internal ( 800 ) number but after a wait of over an hour the representative informed me that closing the account, refusing access to my remaining funds in the account and/or opening a new account so that I could continue with transactions I have to make would not be permitted because the account was closed as a result of a " Business Decision ''. 

I was finally told that I would have to return on Monday, XX/XX/XXXX to receive the funds I have remaining in the account but I would not be able to open a new account. 

I believe this action is discriminatory in that I have needed to make numerous transactions while maintaining only a nominal balance due to the fact that I have been out of work for a year and unable to maintain and utilize this account in the same manner as I have for over the previous 20 years when I used this account for direct deposit of my payroll check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided. my last letter i send is attached to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi There, I am wondering if I can file a lawsuit against MACY for damaging my Credit Report. I had opened their Credit account 3 months back, but I never received their Credit Card at my residental address. After a while, XXXX XXXX ( Credit agency ) notified a new account is opened and it had some balance due in it. As I never received a card, so I called em and closed the account, but they told me to clear the due at the store. I went to store and the store keeper said that account is no longer a valid and so my due is not reflecting. That's 2 -3 months back. 

Last week I got a call from their department, that there is due and interest showing up on my closed account and has to be paid. I was at rush but later by the end of the day, I called them and they admitted their mistake but told me to clear the merchandise value, but the interest wont be charged. I cleared everything right there and now the account is closed and it is now 0 balance. 

However, couple of day after, XXXX XXXX show that my credit score has been damaged due to that and is now reduced by almost 100 pts down. 

I am trying to call em up but they are not taking responsibility of it and saying they WONT reverse this. 

I am trying to purchase a house and this credit report is going to create a severe consequence and I am looking to sue em up. 

Please share your understandings. 

Thanks
Product: Vehicle loan or lease

I was denied deferment payment and was reported late payments on the account to where the account was being processed as defaulted with the threat of repossession. My wife and I filed out the paperwork and took it to the bank to fax them in to their department who handles the deferred payments but the claimed they didnt receive them so therefore we had to follow the process again along with them never correcting the credit report of late on payment and we could never catch up until the last resort ended up in voluntary repossession