23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hi! Good day, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report in order to prevent further fraudulent activity of my information. Thank you and have a good day.
Product: Payday loan, title loan, or personal loan

Today XX/X/17 they called me then called my sister saying they have issued an arrest warrant for me cause payment bounced and it 's been months
Product: Debt collection

A letter was sent to National Credit Systems as a request to provide validation of the account they are allegedly collecting for. I sent this letter on XX/XX/2020 and they got it XX/XX/XXXX. To make sure they get it I sent it by certified mail with # XXXX. I have yet to hear from them despite the extra time they had to investigate and give validation because of the pandemic.
Product: Checking or savings account

I responded to promotion in which if you have a Key Bank Credit Card and you open a Savings Account {$200.00} will be added to your account. I entered promo code and opened account as stated and the {$200.00} was never added to my account. Not sure of promo code but it was on or about XX/XX/2018 that I responded to PROMO. Ive repeatedly reached out to company with no response They did respond to my last email, 'XXXX XXXX stated that the case had been submitted to the Executive Offices that was on XX/XX/XXXX. Have heard nothing since then.
Product: Checking or savings account

Respect Mrs XXXX 

I live in XXXX Florida and I want to file a complaint against Fifth Third bank located in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 


On XX/XX/XXXX of this year, I approached my daughter personally to open a checking account in fifth third bank located in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX A person we knew had told us that the bank gave XXXX dollars to open an account. 

The girl who helped us told us that we did have a reward of XXXX dollars if we obtained a direct deposit of XXXX dollars within 90 days after opening the account We ( my daughter and I ) told her that we wanted to open the account with that offer ( XXXX dollars in direct deposit ). 

The girl tells us that yes you can and that we will receive a message with a code to our email, we show that message to her so that she can enter the offer code. 

My daughter received the message with the correct offer code, but the code that I received was incorrect but she did not realize it and told us that everything was fine. 
My daughter received her reward when she had the {$500.00} direct deposit into her account. 
For several weeks I have had the XXXX dollars of direct deposit in my account but they do not give me the reward because the code that arrived was wrong and it says that it should be 2000 dollars of direct deposit, That was not the offer we told her. 

I requested correction of this error from the bank and after much insistence with calls, emails and physical visits to the bank branch where I opened the account, they told me that they can not correct because my offer arrived in my email and said 2000 dollars, but in At that moment I showed the email to the girl at the bank and she took the code but did not check and said that it had already been applied and that when I had the XXXX dollars I would receive the reward. 

I do not agree with this response because it was not my mistake, I trusted that the process she was doing was right. and what I want is for the bank to correct its mistake and honor its offer at that time. 

I thank you for helping me recover my {$320.00} reward with a direct deposit of {$500.00} in 90 days as requested at the time of account opening. 

I attach a screenshot of the message sent to my daughter and mine since they are similar and lend themselves to confusion. 

I attach a screenshot of the message sent to my daughter and mine since they are similar and lend themselves to confusion. 

I attach evidence of the emails that we received and emails sent to the girls that opened the account in the bank and your answer. 
I attach evidence of the different emails I sent requesting the correction of the error and the response from the girl at the bank.
Product: Credit card or prepaid card

I received a text message on XX/XX/2023 from a number with the same area code as my phone number. It stated it was from Chase : Fraud Prevention and said my card had been temporarily blocked. It had a web link of " https : //chasealertinc.com/JPmorgan.php? unlock ''. I did not click the link as I was suspicious of the text. Instead on XXXX around XXXX I logged into my Online banking account with Chase and reviewed the activity XXXX I noticed no unusual activity, and there was no indication on my online banking website that my card was blocked. I found the fraud reporting phone number on Chase 's website, and called it. I was prompted to verify the account information through an automated system. Once I was routed to a real person, I was again prompted to verify the account. The real person asked several questions that were uncomfortable for someone who suspects fraud on their account, such as giving an entire social security number. Even after the rest of the questions were answered correctly, the representative could not verify the account. She asked me for my phone number and said she would need to call me back to verify who I was. This made no sense as a verification method, since I could have given any phone number, and it is really easy to forward one phone number to another. When I raised this issue with the representative she said there was nothing else she could do without verifying my identity in this way. I then asked if there was a way for me to find the information I was looking for on Chase 's website, and she again said she could do nothing more for me. She then hung up on me. I do not live near any Chase branches, and I am not seeing any other customer service numbers for chase on their website, so I have no other way of contacting them to see if I have been the victim of fraud. Especially with one of their representatives asking for me to provide a code that it says they would never ask for ( 2 step verification processes ). How can consumers protect themselves from fraud when the people you are supposed to contact about potential fraud act so suspiciously?
Product: Mortgage

Ditech made several mistakes with my account in the month of XXXX, including taking an extra payment. I asked for a refund of that extra payment and Ditech negated my XXXX 2016 payment to issue my refund INSTEAD of reversing the extra " principle payment. '' As it stands now, my account is in default, but showing an unwanted principle payment. Because of its default status, Ditech collections department harrasses me by calling XXXX to 4 times a day, INCLUDING THE WEEKEND! I have asked repeatedly to have the account corrected ASAP, but all I get is rhetoric that it will be done soon, but it never gets done.
Product: Credit reporting or other personal consumer reports

I've discovered unauthorized hard inquiries on my credit report, a violation of 15 USC 16c-2. This negatively impacts my credit; please remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this shools first  XXXX account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, deleted, and blocked off my consumer credit report immediately I had this credit union for years however I never opened this particular account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated, my federally protected consumer rights to privacy and confidentiality under 15 US XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX 15 USC 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 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15.U.S.C. 1881-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Vehicle loan or lease

Capital One Auto Financing is charging me interest on Principal ready paid. They refuse to adjust my loan to meet with the end of our contract date of XXXX keeping my Monthly rate at {$270.00} p/Month regardless of Principle payment. Under the Law, Yearly evaluation of Loans needs to be taken place and loan recalculation is needed to insure interest isn't levied against principal paid. Capital One refuses to follow the Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

although i bagan this complaint about SANTANDER, s company who is harassing me, the root issue is that I am not allowed access to my credit files. XXXX, XXXX, XXXX  have been off limits to me for four years. nobody will believe me, nobody will help me. my credit score, meanwhile, has plunged from XXXX down to XXXX becaue i am not able to maintain accurate, honest records any longer. i want the credit file to reflect that score of XXXX at the very least, if not receive monetary compensation for the XXXX this has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and contacted Equifax several times by phone, mail and fax and advised they are reporting inquiries of companies that I have now knowledge of applying for these credit products. They they respond by saying, " even though I dispute these erroneous inquiries, since they are on my credit report, it is deemed factual ''. I totally disagree with their practice. They never do any investigation, just say they are factual. I contacted Equifax in XX/XX/XXXX by phone and advised of erroneous inquires as well as mailed a letter, then again in XX/XX/XXXX another call but to no avail.
Product: Checking or savings account

On or around XX/XX/2019, TCF Bank ( Wisconsin ) conducted an administrative closing of my primary checking account. They intercepted my direct deposit funds from my employer, with a balance of {$330.00}, and they are refusing to relinquish the balance of my personal money property, and are attempting to steal my funds, by extortionate means. 

I was told to send a notarized letter to TCF Bank, requesting for my mailing address to be updated, in order to have my funds returned. 

I have made several attempts to find out when my funds will be returned, but to no avail. The bank keeps telling me that they are processing the cashier 's check that was promised to be sent to me, in a timely manner. 

On XX/XX/2019, TCF Bank received a " notarized '' certified letter in regards to my request, and they still refuse to return my personal money property, by way of theft. 

TCF Bank has closed my checking account, and refuse to return my balance. I would like for my funds to be immediately returned to me, as I do not authorize TCF Bank to take control over my personal money property funds from this point forward. 

Respectfully submitted, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXmailed and a dispute is never opened up and no results. 
XXXX- Open Date XXXX
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation into this account : Account name : XXXX  # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly.Please provide all documentation stating that this would affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested and/or demanded that TransUnion XXXX remove the following fraudulent credit inquiries from my credit report : 1 ) XXXX - Date of Inquiry : XX/XX/2017 2 ) XXXX - Date of Inquiry : XX/XX/2017 3 ) XXXX XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 The inquiries listed above were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with verified and updated. After calling them, they told me if I believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my TransUnion credit report. Regarding the following inquiries. 1 ) XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX, & AGAIN on XXXX XXXX, XXXX, XXXX ) XXXX XXXX  Inquiry from XXXX XXXX, XXXX, 3 ) XXXX XXXX Inquiry from XXXX XXXX, XXXX, 4 ) XXXX Inquiry from XXXX XXXX, XXXX, 5 ) XXXX - Inquiry from XXXX XXXX, XXXX ( and ) XXXX XXXX, XXXX. I have disputed these unauthorized inquiries for several months with no help from the companies or TransUnion. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature from all companies inquiries. I have NEVER applied for credit online or in the store with any of these companies. I have had no response from certified letters sent to several of these companies. XXXX XXXX service is a third party for another company and keeps telling me that they will not investigate these two inaccurate inquiries that they requested on my credit file. XXXX XXXX  Company keeps referring me to the credit bureau to investigate or Veterans home loan. It is NOT my job to track all of these companies down. These are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. XXXX XXXX responded that there two inquiries were not authorized by me but they needed an updated address for a bill. I DID NOT AUTHORIZE XXXX XXXX to pull my credit not once but twice they pulled it to find my address??? ABSOLUTELY no reason to pull a HARD inquiry on my credit report without my authorization! I am demanding that all of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that TransUnion do their job and abide by the laws!!
Product: Vehicle loan or lease

Acima Digital, LLC is not a federal, but a commercial institution, so by federal law jurisdiction, they are a consumer reporting agency and debt collector ( debtor ). Acima Digital, LLC. is a non-living and non-breathing entity and they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent lease-purchase agreement. They have committed illegal acts, fraudulent representation of fact and lending of credit instead of money, also unfair debt collection practices and harassment through deceitful charges, theft and billing tactics. A Corporation, a non-living entity, can not lend funds or extend credit, therefore they can not be the owner of any property that was acquired through a natural person 's consumer credit transaction. The documentation they have presented constitutes Identity theft and fraud. Acima Digital, LLC willfully intended to deceive the original creditor, myself, into a fraudulent contract during a consumer credit transaction. I know who I am, and I am Invoking my specified remedy as the original creditor and consumer in this consumer credit transaction. It is impossible to pay on a positively reflected balanced debt or charge. They have misled the consumer, when in fact the alleged debt balance showed it has already been accounted for. Thank you in advance for your response.
Product: Debt collection

We were on automatic payments from Santander for our auto loan. Without our knowledge, the company stopped the automatic payment for the last payment that was due. They did not send us a notice for this, nor did they send us a bill and never sent us a collection notice. We only found out when we tried applying for a mortgage and this came up in our credit. We called the company and apparently they only tried calling us which did not seem legitimate as we receive hundreds of spam/scam calls. The company is being very difficult about removing this from my credit history even though it is completely not my fault.
Product: Credit reporting or other personal consumer reports

I have several inaccurate payment statuses between my XXXX credit reports which to my knowledge USC 1681e ( b ) and 15 USC 1681i ( 5 ) which state that all information on my credit report must be 100 % accurate across all three credit reporting agencies otherwise the account must be updated to reflect as accurate or removed from my report, and by law, I would like to have several accounts removed. 

My transunion, equifax and experian do not reflect the same credit, my singular name and accurate payment dates. I have serval accounts that have changed or back dated payment date statuses from unknown to current to charged off. 

I also received several notifications about my information being compromised during the data breach and Im getting a lot of spam mail, text messages and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$82000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} XXXX  XXXX Balance : {$210.00} XXXX  XXXX Balance : {$140.00} XXXX XX/XX/2021
Product: Credit card

Capital One overcharged me by {$120.00}. I discussed this with the representative and they indicated that it was because of late fee. However, my monthly bill is no more than {$56.00} per month. I'm requesting that my money be returned.
Product: Consumer Loan

My wife had an accident with a deer on XXXX XXXX with our 2012 XXXX XXXX and it was totalled. XXXX XXXX told me they paid FirstMerit {$10000.00} on XXXX XXXX. ( Loan Number XXXX XXXX ). We also had XXXX XXXX through XXXX XXXX on the car and the rest of what was owed to FirstMerit was roughly {$2600.00}. Finally this morning XXXX XXXX, after many calls and conversations with XXXX XXXX they finally had all the information they needed to pay the rest of the car off ( Their reference numbers for our case was XXXX and XXXX. 
FirstMerit called yesterday XXXX XXXX and wanted a car payment of {$290.00}. I believe I talked to a XXXX. I said we would not make that payment because the XXXX XXXX from XXXX XXXX was covering the rest of the car loan. She knew that was the case but still wanted our payment else would be delinquent on our payment. I contacted XXXX XXXX this morning and all the items they needed to pay off the rest of the loan were in order and the money would be allocated within 5 to 7 Business days. I figured I would call FirstMerit back and I got hold of a Man by the name of XXXX XXXX. I told him about XXXX XXXX making the rest of the loan payment within 5 to 7 business days and he said he would make a note of that. Then he proceeded to tell me we would be reported for 30 days over due because in 5 Days our payment would be overdue and we should make that payment of {$290.00} to stay current. I then proceeded to tell him everything I had told him before about XXXX XXXX making the payment within 5 to 7 business days and he came back with the same statement about we would be reported for a late payment if we did not make the {$270.00} late payment. I again told him the money would be there from XXXX XXXX and he said we would be considered 30 days late in 5 days. I asked him his name and he told me and I told him he should consider the circumstances and not consider us late. He then repeated the same 30 day information he had told me 2 times before. I told him to mark this down on his computer that we should not be late because the money was coming from XXXX XXXX. He said he could n't do that and started his 30 day speech again I was getting rather disgruntled with him so I said I was going to report him to a XXXX. I then hung up and got this information to make a complaint. 

Desired resolution is that we should not be turned into anyplace for a late payment. If it has been put in some record it should come off from our record immediately because of the timing of this whole issue. By this time FirstMerit would have received all their money and the late fees of {$20.00} should not apply also. 
I believe that XXXX was quite unprofessional and did not care to hear anything I was telling him.