23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was alerted that XXXX hackers had infiltrated my IPS on my computer and had charged a total of {$20000.00} to three different XXXX XXXX sites. I was instructed to work with a representative from Discover card to delete these charges. I was told that the charges had been made as a customer designated purchase and I would have to use gift cards to override the purchases and reclaim my money. [ I have said XXXX  enough times that you don't have to. ] The Discover contact used the phone number of XXXX XXXX XXXX. I gave him the gift card info from XXXX 's, XXXX 's XXXX, XXXX XXXX, and XXXX. I did not give credit card numbers. I have called all of the credit cards to ask for help but they said that this does not count as fraud. To my deep shame and great regret, he XXXX  me for {$20000.00}.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX. I am submitting this request without any influence from any party or agency. Please see attachments/ attached documents and ID as it contains my full complaint and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX and Experian requesting for them to remove the reporting of Bankruptcy on my credit file. I have sent letters to the Courts and they have advised me they do not report to the credit bureaus. XXXX has already deleted this information upon my request. The bankruptcy was filed in XXXX and dismissed in XXXX. These credit bureaus have purchased from my information from a 3rd party company such as XXXX XXXX without my permission. This information should be deleted. I have sent 3 certified dispute letters each to both Experian and XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they keep coming back saying Verified which is in violation of the Fair Credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Debt collection

I received a letter dated XX/XX/2021 from Synchrony Bank. The letter indicated that Synchrony Bank sold my personal information to a third party debt collector. I did not consent to Synchrony Bank selling my information to a natural person or a corporation. The alleged debt is disputed. Synchrony Bank selling my personal data to anyone without my permission is identity theft.
Product: Debt collection

XXXX XXXX XXXX has been trying to get me to pay on debt that is out dated and that has been charged off on my credit. They have been trying to collect on old debt from year ago and now they are making threats to garnish my wages from my job and they have been calling me at work. I do not think this company has a license to collect in the state of XXXX. They continue to harass me with daily calls about old debt that was charged off. Something needs to be done about this company. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX : {$1400.00}
Product: Debt collection

( XXXX ) IQ DATA INTERNATIONAL INC. 
XX/XX/2022 {$2200.00} ( XXXX ) IQ DATA INTERNATIONAL XX/XX/2022 {$2200.00} As seen above this account is inaccurately reporting two different balances to XXXX different credit bureaus.
Product: Mortgage

In XXXX I received a letter stating " Green Tree Servicing LLC and DiTech Mortgage Corp will combine to form DiTech Financial LLC, known as ditech, a XXXX XXXX, effective XXXX XXXX, 2015. '' In XXXX 2015, DiTech sent me a notice of default. However, since XXXX 2015 I have been trying to provide the documents DiTech requested to approve a loan modification. It has taken DiTech almost 4 months to accept all of my documents and approve me for a loan modification. I have now been waiting over a month for DiTech Representaive XXXX XXXX XXXX to forward me an overnight envelope with the loan modification doccuments for me to sign.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report under 15 USC 1681c-2. Unauthorized inquiries are listed, and theyre negatively impacting my credit. Kindly remove them.
Product: Credit reporting or other personal consumer reports

EQUIFAX is Obligated by the FCRA to report accurate accounting consumer has advised all the inquiries reported was fraud said company had 4 days according to law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer. EQUIFAX has 15 days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature, consumer is not asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap.said company is liable underwhelming SEC to follow certain rules. EQUIFAX. Commission file number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will be filling form 211 treasury omb forms to audit consumer account. EQUIFAX is securitizing consumer data yet refuse to provide consumer a copy of their consumer file not consumer report.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports. The FCRA 's purpose is to protect the privacy of consumers ' personal information, and to ensure that credit reports are accurate and fair.

Prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from consumers if they are behind in paying their bills or a creditor 's records mistakenly make it appear that they are. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received a letter from XXXX XXXX stating that I owed an XXXX crypto exchange called XXXX XXXX {$26000.00}. To which I know nothing about, it's a fraudulent debt. I never borrowed any money from this place, nor did I make any agreements to pay them. I sent the collection agency a dispute letter on XX/XX/22. I requested that the debt collector verify and prove that I borrowed, owed and agreed to pay this amount to XXXX XXXX- which I never agreed to any of that, as I don't even know what the debt is. I filed a dispute with all XXXX credit bureaus. Today, XX/XX/22, I found out that XXXX is not able to remove it from my report because the collector lied and told them that the debt is valid. I was wrongly put in collections by XXXX XXXX in the first place. After sending my dispute letter to the collector, I expect all of this to be removed from my credit, and so far it hasn't happened.
Product: Checking or savings account

This occurred during the transition from First Midwest Bank to Old Nation Bank. 
When I asked if there was going to be a problem with the timing I was told not to worry, it would be a seamless transition. 

I wrote a check to XXXX XXXX for {$1600.00} XX/XX/XXXX on my checking account at First Midwest Bank. I received notification from XXXX XXXX that they had not received my payment. When I checked the number of the check on my account I found out the check had been cashed for {$5000.00} to a person I did not know. I immediately went to the bank ( then First Midwest ) and spoke with XXXX on XX/XX/XXXX. She printed up the check and asked if I knew XXXX XXXX ( the man who altered the check ). I said I had no idea who he was and she did paper work to submit to the bank for bank fraud. I signed the form she gave me and it was notarized at the bank. She suggested I file a police report. I called the police on XX/XX/XXXX and filled out the report ( # XXXX ) with the XXXX XXXX XXXX XXXX Department for forgery and took it to the bank, gave it to XXXX and she sent it in. 

After about two months I thought I should see what was going on and I spoke to XXXX, a banker ( now Old National Bank ). She tried to get in touch with them and after several attempts told me she would call me at home when she knew anything. She called that XXXX  and said she was told it would take 4 to 6 months and I would by notified by mail. 

After 4 months I tried calling customer service at Old National Bank and was told they could not give me any information on the phone nor could they connect me with anyone to discuss this problem. I was told to go to the bank and see a banker. 

I waited until the 6 months were up and went to the bank to try to find out what was going on. I met with banker # 3, XXXX. she said she would find out what was happening and call me. A few days later she said she was told I would have to come into the bank and sign another affidavit. She apologized. I came in on XX/XX/XXXX, signed the paper work and it was notarized and sent in. 

I returned to the bank on XX/XX/XXXX and asked what was happening. she had heard nothing. I asked her to get in contact with the bank and asked that I be given a telephone number of an administrator ( not customer service ) so I could get some answers. As of Saturday, XX/XX/XXXX I have heard nothing.
Product: Credit reporting or other personal consumer reports

I have been contacted by the collection agency that is not authorize to collect a debt in the state of florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Payment was made to bring the account current prior to AES/PHEAA reporting to the Credit Bureaus XXXX however AES/PHEAA deliberately reported that the payment was past 30 days and I believe it is in response to them being spiteful and them retaliating against me for reporting them to multiple Regulators. I can tell you right now that these complaints will continue, because future borrowers should be extremely aware of how AES/PHEAA operates XXXX They appear to create their own rules while ignoring Consumer Protection laws. It is no surprise that they were unable to prove beyond the shadow of a doubt that they weren't incompetent and/or creating situations for borrowers that were questionable, such as converting promised Grants into loans for educators. Ms. XXXX knew what was going on, and so do various other State Legislators. When payments are late but paid before you submit to the Credit Bureas, AES/PHEAA had advised me that they will not report that it was 30 days past due in the past. It is clear that people lie within this company. I've already seen multiple employee comments complaining about this company also saying that morale is bad and management treats people badly. There's a shocker. 

People are doing just this : https : XXXX https : XXXX
Product: Credit card

Hi. I have an account with U.S. Bank. They have closed my account stating I misused their name on social media. I have never posted about any accounts I have and have no clue as to why they would close out my account. They closed out my account without any warning and stated they will send a letter. Shouldnt a letter be sent out before you close out an account? I was also given a number that does not ring but can only leave a voicemail. I believe they no longer want to give me XXXXapr interest for the next 6 months and are punishing me because I refuse to open up additional accounts. I have never been late on any payments and have excellent credit. I would like a detailed explanation and to show me when & where I have ever commented about my us bank account. I would like my account reinstated and not forced to open up additional accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  : {$600.00} ; XXXX XXXX XXXX  XXXX XXXX  : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX  XXXX {$3700.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX 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 INQUIRIES XXXX XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/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: Money transfer, virtual currency, or money service

I have XXXX small business accounts with XXXX merchant processing : 1. Under email XXXX 2. Under email XXXX Out of nowhere with no notice or explanation, XXXX said that we violated XXXX 's of our agreement with them ( see attached emails ). XXXX of the accounts, # XXXX, they shutdown immediately. The other account, # XXXX, they gave us 30 days to find a new merchant processor. 

XXXX gave XXXX warning, didn't ask for any information and just up and shutdown these accounts with no options to speak to the department. In XXXX of the accounts, I process invoicing and payments for over XXXX customers. While I understand they have a right to cancel my account at anytime, I would like to know the reason why and ask if there is any way to remain a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Been having an issue with Transunion, XXXX, and XXXX updating my personal information. I have contact them on several occasions ( XX/XX/2022 ; ( XX/XX/2022 ) via certified mail and they have had blatant disregard to what i have asked. The only name that need to be on my consumer report is XXXX XXXX and the only address that needs to be reporting is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please remove all other names, addresses, and jobs as they do not belong to me or associated with me by any means. 

Also this is inaccurate accounts reporting on my consumer report and I'm requesting they send me a debt validation letter for the following accounts XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX COLLECTION ( Original Creditor : COLLECTION ) acct # XXXX
Product: Checking or savings account

XX/XX/year> at approximately XXXX CT I called capital one to get a check for {$660.00} hold released. They claimed they verified the check and it was good however they will not be removing the hold nor following regulation CC of making {$220.00} available next business day. The check was deposited on XX/XX/year>. They advised me that I had to wait until the hold falls off on XX/XX/year>. I escalated the call to a manager and he told me he wont release it until the hold falls off and I had no choice but to wait even though I have deposited a check from this company before and it cleared next business day. When I brought up the regulation to him he got standoffish and kept referring me to deposit holds on the website. They admitted to having the check verified with the paying bank and still refused to release any of the funds causing my account to get overdrawn.
Product: Credit reporting or other personal consumer reports

I have spent over XXXX hours, and now over 4 years, trying to work this out with the bank and also disputing these debts, asking them to remove or overturn the fraudulent charges on my old accounts, from the identity theft I suffered, and STOP reporting false, never validated debt information, to the credit bureaus, especially since this has ALL already been adjudicated by MA courts over a year and a half a go, and these were charged off accounts now over 4 years ago, I have asked them to overturn the fraudulent charges AND most of all, to remove all negative information from the credit bureaus. They just keep stalling and NOT addressing the problem, though I have been explicitly clear repeatedly. I have extensive info and evidence that I will attach. Please help me?
Product: Checking or savings account

On XX/XX/2017 someone fraudulently used my Debit Card Number and Pin at a Chase ATM and withdrew {$200.00}. That same night I noticed the withdrawal, after knowing I did not use an ATM that day, and immediately reported it to the Chase fraud department. After reviewing my case, Chase responded to me that it was not fraudulent activity, and gave me 3 reasons : They used my Pin, my Pin was used successfully the first time, the location was at a spot within reasonable distance from my work. 

I called back and escalated this issue, knowing I had been robbed and someone else had my account information. Still, Chase has decided to not refund my stolen money. After looking into the matter more, I asked a Chase representative to give me the timestamp of transactions for that day. I was advised that the ATM withdrawal was done at XXXX. I asked when my purchase at XXXX XXXX was made, and was told XXXX. After looking at the differences in time, it is absolutely impossible that I could get from the bank ATM where I was robbed to the XXXX XXXX location where I paid for lunch. This proves I had the card in my possession and it was not myself that withdrew the money. Still, Chase has refused to refund my stolen {$200.00}.
Product: Checking or savings account

I have overdraft protection, which I've been using since the crooked judge is allowing my abusive husband to stop paying alimony. 
My problem is, they return some smaller charges, then two days later, they clear a {$250.00} charge ( with no deposit on my account, but I'm still well below the threshold ).

No one can tell me why small monthly payments have been returned for the last two months while they go in to clear other items after returning the items. This employee should not have control over what gets returned. If I'm below the amount afforded for overdraft charge, then it should be cleared. I
Product: Credit card

XX/XX/XXXX  I paid my account off to make another purchase. And they stated they are holding my {$300.00} dollars I paid until XX/XX/. This never happen before they said I made 3 payments on the account. Because I usually pay off my purchase. When I contacted them about this they transferred me to my bank. I did not feel comfortable with that transfer because Target have a lot of data breaches and I did not know for sure who they transferred me to. I am just trying to use the card I paid off for another purchase and this seems illegal to hold funds they already took out my account immediately when I paid.
Product: Credit card

I used my Truist card and a few other credit cards to pay a merchant to build me an e-commerce store. They took my money and did no work and refused to provide any evidence they did the work. I filed chargebacks against this merchant on the grounds that " no services were provided ''. XXXX, XXXX XXXX and XXXX XXXX easily resolved the case in my favor as I have plenty of evidence but Truist refused to do so. They did not disagree with me that the merchant did no work but said that my Credit Card Account agreement requires that I initiate all disputes no more than 60 days after the relevant charge appeared on my billing statement. The ordinary time limit for this XXXX chargeback code is 120 days XXXX XXXX XXXX XXXX ) The merchant 's charges for XXXX and XXXX ( for a total of XXXX on my Truist credit card ) were on XX/XX/XXXX and XXXX, 2023. I initiated the chargebacks on XX/XX/XXXX, within the 120 day period that applies to this chargeback code, but not the 60 day period Truist claims applies. When Truist denied my chargeback on the grounds that the 60 day period applies as per the Credit Card Account Agreement, I read the agreement and did not see the 60 day period in it. I asked them to provide me the agreement and the relevant provision. They could not find it. I called again and they said they would mail it to me in 20 business days. No contract was mailed to me. Finally I indicated I would take this to arbitration and Truist 's external law firm got involved. They too could not find the contract at first and eventually emailed me a credit card billing statement. In very small letters at the bottom of XXXX, you can see the 60 day rule. 

I do not believe this is a contract. There is no meeting of the minds here as I did not agree to this 60 day rule. Writing the 60 day rule in small print at the bottom of a billing statement is not legally binding the way a clear contract is. Truist 's denial of my dispute should be reversed as there is no relevant provision of the Credit Card Account Agreement- the actual contract that applies to the credit card I used. I have spent more than 7 hours trying to get Truist to resolve this and they refuse. I should not have to pay {$2000.00} to take this to arbitration. Truist should be ashamed of themselves and resolve this dispute in my favor here and now.

Moreover, to be fair, the 60 or 120 day rule should only be applied when it became clear the merchant was in error- not when the charge appeared on the billing statement. If a merchant commits to complete a project more than 60 days after the charge appears, the customer may not know the merchant failed to deliver the service until well after the 60 day period and thus may be unable to file a " services not received '' chargeback, thus rendering the chargeback completely useless. This makes no sense. The clock should begin when it is clear there is an error, not when the charge appears on the billing statement. 

I have attached Truist 's denial letter citing the credit card account agreement, the billing statement in which the 60 day rule appears, and the actual credit card account agreement that has no mention of the 60 day rule.