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

A fraudulent claim was made through my online bill pay where someone set themselves up as a payer and sent themselves a check through my checking account. The bank initially refunded the funds and then withdrew them stating that the charge was not fraudulent and appeared to be legitimate. I did not make this payment and the person 's name, phone number, and address are falsified. Chase has denied my claim over 5 times and they say there is nothing they can do and there is no recourse. I live on a fixed income and this amount of money means missing mortgage payments and other bills. Chase does not offer any other recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized, unverified inquiry. This inquiry has made my credit score decrease, according to the FCRA XXXX XXXX XXXX XXXX XXXX ( p ), XXXX XXXX XXXX XXXX ( XXXX ), this unauthorized inquiry needs to be removed immediately off of my EXPERIAN consumer report. Listed below will be the date and account of the inquiry. EXPERIAN : XXXX XXXX  XXXX XXXX.
Product: Vehicle loan or lease

In past 3 months I asked for the balance to pay off and the company says that a I have to pay in full all future payments scheduled.
Product: Checking or savings account

saying I only had XXXX in debit purchases and I needed {$750.00}. But I had {$750.00} in purchases. They are not giving me the promised miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting lates on XXXX XXXX that should no longer be there, these lates have been removed off of other bureaus and I have a deletion letter from XXXX. I have disputed this multiple times and sent proof that I was not late 3 times now. They have responded claiming the lates are valid again and again and they are not.
Product: Checking or savings account

XXXX XXXX capital one i had credit card filed in my name a credit name i never received and my identity was stolen to this day the balance has accumulated over XXXX and i don't know how this person has gotten a card in my name i had made a log into see this data! And im also going tk talk them as well my aunt gave me this site to talk to
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 XXXX initiated a unauthorized {$1900.00} withdraw from my XXXX checking acct. 
I called my bank ( XXXX ) to dispute who files a dispute and told me to contact XXXX also to dispute with them. I called XXXX customer service XX/XX/2019 at XXXX XXXX   who confirmed I do not have a XXXX   acct linked to that acct and told be they can not investigate it for fraud and to contact my bank. I find it to be unacceptable that they will not acknowledge the dispute and washed there hands with it advising me to contact my bank.
Product: Money transfer, virtual currency, or money service

XXXX transfer that went to the wrong place I was unable to get my money back
Product: Payday loan, title loan, or personal loan

1. Around XX/XX/XXXX, I noticed a " Hard Inquiry '' from " Greensky Financial '' on my credit report. 

2. I immediately contacted Greensky by phone. They told me there is an installment loan application under my name. 

3. I replied to Greensky that I have never inquired, requested, or applied for a loan at Greensky. They said they would investigate this fraudulent loan application and get back to me. 

4. On XX/XX/XXXX, approximately three weeks after first contacting Greensky, I still had not heard back from the company, and so I filed an Identity Theft case with the FTC. 

5. On XX/XX/XXXX I also furnished Greensky with the Identity Theft Report and requested to 1 ) close the unauthorized account, 2 ) remove any charges on the unauthorized account, and 3 ) remove information about this account from my credit files. 

6. As of today, XX/XX/XXXX, almost two months after I first contacted Greensky, I have not received any reply from Greensky whatsoever.
Product: Checking or savings account

On XX/XX/21, I called NYCB in XXXX, NJ at the number I found on XXXX when looking for banks around my area ( XXXX ). I was interested in opening a checking and savings account so I called to find out what ID they needed from me. I told the woman on the phone that I had my XXXX  passport, a drivers license, a credit card, and an ITIN letter issued by the IRS with my ITIN number. She then started to ask about my XXXX  and if I had a XXXX XXXX like she worked for XXXX. I told this lady I had neither one so she said that she can not offer me a savings account, only a non-interest bearing free checking because I was considered a XXXX customer. I explained to her that I have an ITIN therefore I pay taxes for the interest I earn but she said it was the bank 's policy not to open a savings account for me. 

I would like to know what is the reason behind this. I felt discriminated the entire process and denied a savings account for unknown reasons.
Product: Debt collection

Incorrect debt reporting by XXXX XXXX  on my credit report and banking history. 
In XXXX, XXXX XXXX  accidentally deposited approximately {$2000.00} into my account. I was unaware it was a mistake by XXXX XXXX  and, like any reasonable XXXX  I, assumed the funds were mine and used them. A few weeks later, XXXX XXXX  informed me that the deposit was an error on their end and that I was responsible for repaying the amount. They charged me for the full amount plus late fees without offering sufficient time or options to address the issue and quickly sent my account to collections for {$2500.00} Despite this, I paid off the debt in full. Now, two years later, I discovered that XXXX XXXX  is still inaccurately reporting this debt as unpaid, which is impacting my credit report. This error has resulted in my being declined by multiple financial institutions and has caused significant damage to my credit standing. 

I have attempted to resolve this directly with XXXX XXXX, but they claim the debt does show up as taken care of but its unpaid in their system, even though its still affecting my credit. This inaccurate reporting is not only unfair but also misleading and has caused me ongoing financial distress. 

I am requesting the CFPBs intervention to ensure XXXX XXXX  corrects my credit report and that this erroneous debt record is fully removed. I also believe XXXX XXXX  should be held accountable for the undue harm this has caused to my financial reputation.
Product: Debt collection

Portfolio Recovery has ruin my credit and my ability to purchase a home. Never have I signed up to do business with this company nor do I wish to do business with this company in the future. Furthermore Portfolio Recovery has engaged in identity theft. They are guilty of purchasing my private information such as SSN, DOB, name, address, telephone number etc. all without my expressed consent in the attempt to extort money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern upon checking my credit report on XXXX, XXXX, and Experian LLC I noticed some inaccurate credit reporting on the accounts as follows ; Experian : 1. XXXX XXXX XXXX account # XXXX ) 2. ( XXXX XXXX XXXX XXXX # XXXX ) 3. ( XXXX XXXX XXXX # XXXX ) Please verify accounts information accuracy by providing the following documentations as follows ; 1.Balance history 2. Credit Insurance 3 . Interest rate disclosure 4. Payment history 5. Payoff disclosure 6. Original contract Please provide all documentations to insure accurate information regarding the above accounts if unable to provide documentations kindly delete inaccurate accounts from my credit report.
Product: Debt collection

I am not liable for this debt with ascent midtown, I do not have a contract with columbia debt recovery llc dba genesis, they did not provide me with the original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Mortgage Forbearance XXXX XXXX to provide time to adjust to changes with income. On XX/XX/XXXX, I requested the forbearance be removed. Somehow XXXX is stating I re-requested an active forbearance. This is inaccurate, XXXX XXXX advised I would need to make three payments to reinstate my loan prior to any modification. I began making payments in XX/XX/XXXX and through XX/XX/XXXX. In XXXX, I met the requirements for modification. XXXX dispatched a title company 30 days later on XXXX to sign paperwork. In XX/XX/XXXX I began calling XXXX XXXX, requesting an update after I noticed my XXXX payment was not applied to my mortgage and placed in a suspension account. I requested my credit report be updated. XXXX is reporting NR XXXX XXXX. I made payments in XX/XX/XXXX and XXXX. The reporting is making it appear I have not made any payments for 9 months ; furthermore l, have a hardship. My report also has a notation that I am making a partial payment agreement. I escalated to the XXXX XXXX Executive Team and have provided them 14 business days to correct the information. I would like the comments on my report updated to paying as agreed. I never paid partial payments. I deferred three payments to the end of my loan. In addition paid 8 additional payments since loan origination. Because I set up bi-weekly payments. I would also like the months I made payments to reflect those. 
It was my understanding the forbearance would not reflect poorly. If I new it would take 6 months to reinstate / modify my loan I would have repaid the suspended payments. This information was not discussed as we are all in uncharted times. I was working with my financial institution on a new loan and their underwriting flagged the non reporting mortgage payments.
Product: Debt collection

I got a call that my bill with them was past due and I owe them XXXX or so bucks so I gave them my new card and they ran it while on the phone with me after confirming my payment I set up a cancellation of my account and was told it would be canceled out effective in XXXX sometime but then I started getting calls from this company claiming I had an account in collections with them from XXXX when I said I had closed out my account with XXXX  they denied it and said I have to check with XXXX. I have called multiple times but no one has been able to help me it also shows that they have to different collections for me one for XXXX and one for XXXX which also makes no sense at all. Additionally the collections company has called me non stop around 8 to 10 times a day since the first interaction with them claiming that I will be sued if I dont pay them money. Which is very confusing because my account was supposed to be closed out with XXXX  in XXXX.
Product: Checking or savings account

Check written on XXXX for {$6000.00} to XXXX XXXX for a mortgage payment mailed same day. Check was intercepted and stolen from mail and cashed with XXXX XXXX  on XXXX with payee altered to XXXX XXXX. 
Contacted Chase Bank fraud department and instructed to submit an affidavit detailing issue. Affidavit sent and receipt verified by Chase Bank. 
XXXX Police Department contacted and statement given : case # XXXX Detective XXXX. 
Response by Chase Bank is that because we do not have a carbon of the original check they will not reimburse.
Product: Checking or savings account

While I was with wells Fargo they would overcharge me overdraft fees and also charged my account multiple over draft fees when the purchase would have been covered if not for the original bogus overdraft fee. This happened several times and caused me lots of stress and money for nothing I closed my account because of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX Credit Card with account # XXXX, XXXX Credit Card with account # XXXX, XXXX Secured credit card with account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX Credit Card XXXX account # XXXX, Collection account from XXXXXXXX XXXX with account # XXXX, Collection account from XXXX XXXX with account # XXXX, Collection account from XXXX with account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX, Public Record from a XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX  on XX/XX/XXXX Inquiry from XXXX COUNTYS XXXX XXXX on XX/XX/XXXX Inquiry XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX XXXX from XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX 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

My mortgage is in active foreclosure. With the assistance of my attorney I applied for a loan modification. After submitting all of the documents requested the application was denied for insufficient income. The income that they used to review the loan was incorrect. They calculated the gross monthly income to be XXXX. We appealed the decision and enclosed proof that the monthly income was actually XXXX per month, not XXXX. The application was immediately denied again simply stating that they are standing behind the original decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian twice to report over 40 mistakes on my report, from incorrect addresses, social security numbers, names and collection accounts and only 5 of my disputes where processed. The second time I called was to complain that the gentleman I first spoke with didn't include all of the mistakes, I was on the phone over an hour and she did nothing to try to help me correct my credit report, even though she kept asking " And your next dispute? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX I sent a letter to EXPERIAN to correct an account that they are reporting inaccurately, and it is affecting my ability to purchase a home. They have done nothing with the investigation. This account is closed and paid in full and they are reporting a payment status as " paid was past due 180 days or more " which is completely inaccurate, considering they don't even have a last payment date, nor do they have a complete two year history This is an FCRA violation. and needs to be corrected immediately Ive included the letter I sent them as well as a copy of my credit report highlighting their inaccurate reporting,
Product: Debt collection

Collection Professionals is suing me for a debt they have not proved is my debt. I was told by their lawyer that " It's not their job to prove that the debt is mine. '' I was told by Collection Professionals ' lawyer will find the correct owner of the account and ADD them to the lawsuit. Also, Collection professionals have failed to report the correct amount to the Credit Bureau. Collection professionals has added interest to the amount owed and I believe in Illinois that interest can be added ONLY if the original contract states interest can be added. Lawsuit is for {$520.00} is what I accused of owing. Currently Collection Professionals is reporting that I owe {$660.00}. Before Collection Professionals reported that my balance was {$550.00}.
Product: Debt collection

In 2019 I was seen in an urgent care for a minor issue. I paid in full at the time of service, and somehow it seems the original debtor tried to run it under insurance and it said I owed. This bill got sent to delinquent recovery associates in XXXX la at some point and thats when they began calling me. 

I went out of my way to contact the original debtor who assured me I didn't owe the bill and they faxed the information to DRA back in XXXX. I noticed the bill never dropped off my credit and received a super rude call from one of their associates in XXXX. ( Associate wouldn't let me explain that the bill shouldn't be owed so I could see what I needed to do to clear it up, kept saying " if I believed everyone I'd never collect a debt '' ) so I called the urgent care again. They AGAIN assured me they sent the info in XXXX and sent it again in XXXX while I was on the phone. They then had someone at the clinic call DRA directly to confirm that the debt wasn't owed as that is what XXXX ( a supervisor at dra ) told me he needed. I was assured after calling everyone back again that this would be taken care of, that dra has spoken to someone at the clinic, and to just wait so that it can be removed from my credit report. 

I just received ANOTHER call today from the associate who was rude to me the first time ( who I already was told would be removed from my case as I asked to not speak to her again ) who again told me the debt was owed and " i need to pay my bills '' and that there was nothing in the system that supported my claim. I called DRA directly AGAIN to talk to a supervisor at this point because I've been informed by 3 people and the original debtor that this should be handled. He basically told me that they HAVE talked to the urgent care but didn't receive a piece of paper they needed so the debt was still owed. I have NO IDEA why if you have already received word from the clinic that the debt doesn't exist it would be considered anything but harassment and an illegal attempt to collect an invalid debt to be calling me at all. Especially by someone I've asked to never call me again. He also said if I were calmer maybe his associate wouldn't have been so rude. Idk who is calm after 6 months of something they never owed to begin with being on their credit score and being harassed by people who are essentially calling them a liar for half a year ... but im pretty sure debt collectors aren't supposed to yell " pay your bills '' at people on the phone ... especially since I DO PAY MY BILLS AND I NEVER OWED THIS MONEY TO BEGIN WITH.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: credit card not mine
PREFERRED CREDIT XXXX XXXX XXXXXX/XX/XXXX- XX/XX/XXXX
FCRA Violation: hard enquiries not mine
XX/XX/XXXX
FCRA Violation: addresses and name not mine
XX/XX/XXXX, TX
XX/XX/XXXXXX/XX/XXXX TX
XX/XX/XXXX

FCRA Violation: auto loan never lateXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent TransUnion a dispute ( which is enclosed in this complaint ) TransUnion responded on XX/XX/XXXX with this the following investigation response ( file number XXXX ) this response did not address the in accurate, incorrect information that I disputed with the department of education nor did they properly address the unauthorized inquiries which is one of the several violations of FCRA I am complaining about. TransUnion fail to investigate the inquiries places on my credit report and told the they were allowed to pull my credit and to instead twrite the company if I had questions to which transunion themselves have a duty to investigate.
Product: Credit card

1. Missing paper bill. I knew i had a payment due and kept waiting for it to arrive in the mail. When i called customer service, it was very difficult to get an agent on the line. The auto system stated my next payment was due next month, with no mention of missed payment or past due amount, purposely leading me to believe nothing was amiss and no mention of fees and interest charged 2. The previous month, I sent a paper check way before due date, and payment was not processed until after past due with fees and interest Therefore 2 months in a row i was charged due to their delay in processing paper payment, and them not sending paper bill. I have impeccable history in paying other cards timely month after month for years, so this is not user error. Lastly their automated system is deliberately misleading portraying next payment due on the regular due date, with no mention of overdue amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my credit score and future opportunities.