23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We noticed that there was some illegal fraudulent charges on credit card on XX/XX/2024. We tried contacting them right then and there. But did not get ahold of anybody to XX/XX/2024. And that's the day they froze my credit card and told me not to make a payment until these issues were resolved. Then when I finally received my new credit card in the mail. I called them roughly around XXXX XXXX. I spoke to a supervisor who informed me that he was gon na reverse one of the transactions that was fraudulent. And that was gon na be posted to my account. Balance as a payment. I only had to make a {$46.00} payment. And that would have been the whole payment for that month and that would satisfy the account. That we would have been still a XXXX percent on our payments. He was gon na also make sure that the rest of the fraudulent charges late fees and everything else was taken care of. Well to my surprise that was not done. So I ended up calling back and speaking to another woman supervisor who said she was going to take care of this ASAP because she pulled the phone calls. And everything we just stated was correct. Well, I spoke to another person on XX/XX/XXXX. Who had someone call me back? Which was XX/XX/XXXX. Which was the supervisor saying that she was taking care of everything and our credit card wasn in good standing. She even agreed. Why are we gon na pay late in all of this on a credit card that has been used for fraud on charge we did not do. And she ended up reversing all of the cause. We can see that which means nothing was late. There was no late payments. We were up to date all good and dandy. Well, my wife has our credit reports on her phone from credit karmer and 2 hours surprise. Ding ding ding, we get. I noticed that they reported a late payment 30 days past due. Which is fun any illegal? Because there was nothing past due. We did everything instructed to us. By two different supervisors. We have phone records. We have a bank statement show in the XXXX tobacco. What? We're saying they have phone calls that recorded to back up what we're saying. Um, we can show you credit um. Credit card statements that show the charges. And her reversing them. We also called the credit card company today. XX/XX/XXXX to try to get this all resolved. The supervisor we talked to not only was Nasty, even though he could see that you know, we were telling the truth and everything we stated. Was that he pretty much told us to take us to take them to court? It won't hold up in court just because the credit card people told us what to do on. We should know better and we. We should have done the payments anyways, even though there was fraud on our account and everything was up-to date he pretty much said taken them to court or getting a lawyer was not gon na work because we were in the wrong for following what they told us to do.
Product: Debt collection

Recently reviewed my XX/XX/XXXX report and noticed PNC bank accounts that were removed and some that were closed due to fraudulent transactions. I am requesting for PNC bank to remove any debts from my name for any checking accounts as I havent used any accounts with them since 2002.
Product: Debt collection

I have been trying to verify a debt on my credit report for over a year now. Transworld Systems Inc has refused to send any documentation regarding this debt and has been very difficult when trying to make settlement offers. I have evidence that this debt is not mine and they have not been very helpful. I have even offered a settlement amount just to get this off of my credit report. They will not lock in an amount. They keep changing the agreed amount and refusing to send a written agreement. Every time I call it is the same two women that answer one name I can not pronounce or spell and the team lead is XXXX XXXX. I have asked if they could email, fax or mail documentation to me. They state that they have mailed documentation to me on XX/XX/XXXX, but I have yet to receive anything. According to them this debt is from XX/XX/XXXX for {$7900.00}. I have faxed, mailed and attempted but they refused to email them documentation proving that this debt was not mine, I have provided them with proof of residency, and everything else they have asked for. But when I spoke to them last week they stated they only received my social security card and a letter of concern in XXXX. They just informed me on XXXX XX/XX/XXXX that they are going out of business. I have even reached out to XXXX the original account holder and they stated that after two years they archive their accounts and that there is not account associated with my name or social security number. 

I have even sent dispute letters to all three credit bureaus as a last resort so far XXXX has deleted it, and stated it is not my debt. I am just waiting for XXXX and XXXX to do the same. 

This company has been very difficult to deal with. Always stating that they need to speak with XXXX first before accepting a settlement amount. They will agree to one amount at XXXX and then by XXXX the amount has increased.
Product: Debt collection

According to XXXXXXXX XXXX XXXX XXXX, address XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, on XXXX XXXX I signed a lease electronically. This is false because I was incarcerated and they were told this when they reached out to my family to have me finish up my lease. I have that in email. This hit my credit last year for a total of XXXX. I reached out to them a few weeks ago about this, they acknowledge via email I was incarcerated and would not be coming to sign a lease, I had no access to my email to sign a lease nor do I go in person. I asked them to remove them as I did not do this, they told me no, this is a legally binding contract. I was not sent any form of paper stating I owed them any money, I was not personally reached out to saying I owed them via phone nor via email, as they have both, this was just simply placed on my credit. I never moved here, I never signed a lease here either, so theres no way I can owe them XXXX.
Product: Checking or savings account

On XX/XX/2018 I did a mobile check deposit of {$300.00} to my bank. According to the bank details and transaction balance, the check was posted in full to my account that day bringing my balance to {$320.00}. I also made a payment for {$290.00} which, according to the bank records displayed to me, was deducted and left an account balance of {$34.00}. Despite having a positive balance, the bank charged an overdraft fee of {$37.00}.
Product: Debt collection

Dept collection attempt made by " National Credit Systems Inc., in the amount of {$410.00} '' Debt belongs to ex husband. I asked for proof that debt belonged to me. They declined to provide proof and said it was information provided by the leasing company seeking payment. I contacted leasing company and received a copy of the " lease holder modification '' form they have on file stating I left the leases legally and with nothing owed. Employee of the debt collection agency refused to allow me to send a fax or email, stating I could send proof in the mail at cost to myself. 
Also agent stated the " final notice '' I received was the second attempt at contact. The first attempt was confirmed verbally by agent as sent back to sender for wrong address.
Product: Credit card or prepaid card

In XX/XX/2022, Synchrony XXXX/Synchrony Bank/Mattress Firm sent me a credit card with my name on it to activate for advertisement purposes. I did not request to have a new card but currently am a customer of Synchrony XXXXSynchrony Bank/Mattress Firm .
Product: Money transfer, virtual currency, or money service

I have been working with Chase for two months already with a wire fraud on my account. I called Chase on XX/XX/XXXX to make a claim about {$9000.00} taken from my account. Since then I have been fighting with the bank to get my funds back because I never authorized the transaction. They have asked for my phone records and I was compliant in sending them that. I also sent them a police record, an FTC report and the affidavit Chase had me sign for unauthorized wires. None of those were enough for them to prove that I did not authorize the transaction. I dont know what else to do to prove that it wasnt me who they spoke too. I continue to call asking them what phone number was it they called and they refuse to give me an answer. All they are able to say is that I answered the security questions and that was enough for them to release the money. However, in my telephone records I never received a call nor did I make a call to the bank on any of the days they claim to have spoken to me. I am desperate for answers and want Chase to own up to their mistake in releasing funds without enough information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not really sure my phone seems like it has been since XXXX on my credit line it's as if someone stole my identity and is putting fraudulent loans and or line of credit in my name I have no debt so I'm confused how in XX/XX/ my credit score dropped XXXX points and I don't understand why it's difficult for me to get information on why this is happening.
Product: Credit card

I filed a complaint with CFPB about my American Express Account. I received a letter from American Express, in light of your investigation, stating that my account would be re-aged and the delinquencies would be removed. I have since filed XXXX disputes with XXXX regarding my account, attaching the letter I received from American Express. After much frustration, I called XXXX and explained what happened. They told me American Express uses a different account # from my actual credit card # when reporting to credit reporting agencies. They said the would send the letter to American Express to verify. I just received their investigation and once again, the account has not been re-aged as stated in the letter I received from American Express. To add insult to injury, American Express now has my account as being closed in XXXX, not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filled out Identity theft report for fraudulent inquiries and sent it to Transunion, but they did not remove fraudulent inquiries yet.
Product: Credit card

I have had a promotional interest rate of 0 % on my credit card for months. In the XXXX statement it was acknowledged as such expiring XX/XX/year>. Then abruptly the interest rate shown on the XXXX statement was given as 25.24 %. I've tried to discuss this with the issuing bank but they don't respond.
Product: Credit reporting or other personal consumer reports

This is my 4th dispute with this creditor. 

I have called them multiple times asking them to remove XXXX my old XXXX loan provider from my credit report as my XXXX  loan provider is XXXX as of XX/XX/2023. I have provided XXXX the letter that XXXX mailed me proving that my XXXX loans have been transferred. I have provided images also providing that my XXXX loans have been transferred from XXXX to XXXX. 

I have called XXXX asking them to get on the phone with me and have a 3 way call with XXXX to confirm that XXXX is no longer my XXXX loan provider and I have a {$0.00} balance with XXXX and every time, XXXX says they do not have anyone available to do the phone call with me but they will have a supervisor call me back and they have continuously failed to call me back and join a 3 way phone call with me, XXXX, and XXXX. 

I have a {$0.00} XXXX loan balance with XXXX. XXXX has updated my XXXX  loan balance to ONLY show XXXX. I do not understand how XXXX can not explicitly see that I have a {$0.00} XXXX loan balance with XXXX and that XXXX is my ONLY XXXX loan provider.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

The loan account number is : XXXX, the loan is closed and paid off in full as of XXXX XXXX  The business will reply with the usual cut and paste response that information will be reported to the major credit reporting repositories during the usual monthly reporting process. However, it is very simple for the business to input an update to ALL of the major credit reporting repositories.
Product: Credit reporting or other personal consumer reports

I am writing this letter to inform you that I've been a victim of an Identity theft. Upon checking my credit report I find some incorrect information my report. I've contacted XXXX, XXXX and Equifax to try to dispute this information more than XXXX time with and FTC Report statement why the accounts doesn't belong to me and every time I asked them for proof they don't provide it. They always come back with a message that the account comes back verified. I don't know what to do at this point. please help. 
These are the following accounts : ACCOUNT Address identification number XXXX XXXX XXXX : XXXX .... - XXXX XXXXXXXX : XXXX ... XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXXXXXX XXXX XXXX XXXX XXXXXXXX .... XXXX XXXX XXXX XXXX  XXXX ... XXXX Incorrect personal information. 
Name : XXXX XXXX, XXXX A XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX Multifamily XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : 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  is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Product: Credit card or prepaid card

Hello, I submitted a complaint # XXXX. Citi bank just added the charge back onto my card. There was no explanation. I did not use this company or their services as you can see on my history. They almost doubled my charges 3 days before the move so I cancelled the move. 
I would greatly appreciate your assistance with this. 

Thank you, XXXX XXXX
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/year>, regarding the accuracy and completeness of certain information reported about me. As per the Fair Credit Reporting Act ( FCRA ) 611, I requested an investigation into several accounts listed on my credit report. However, I have yet to receive a satisfactory resolution or response to my dispute.
Product: Mortgage

XX/XX/XXXX ; XXXX XXXX purchased a XXXX family house located at XXXX XXXX XXXX XXXX XXXX NY XXXX. With a XX/XX/XXXX loan for the amount of {$640000.00} finance by XXXX XXXX ; property was own by XXXX XXXX who transfer lien to XXXX XXXX XXXX XXXX for the amount of {$500000.00} on XXXX XXXX, XXXX XXXX sold property to XXXX XXXX. United State Government create rules and regulation to evaluate the code of conduct, this ones are RESPA, TILA, ECOA, those one include several provision that protect the integrity of appraisal process. TILA also prevent the creation of toxic loan for an over price property with high interest. like this loan, XXXX ( 80/20 loan ). 
Flip on a house price by FBI ; buy a property wit the intent to re sell it an artificially inflated price for consider profit, even though they only made minor improvement to it. paying an appraisal a fee to submitted a false and artificially- inflated appraisal report.
Product: Debt collection

I dont have exact dates, but I had a bill that I was paying off through XXXX XXXX  XXXX and because I didnt pay all of it off it was sent to collections. I had paid XXXX dollars off, I have statements saying I did.

PCRI is who the collection agency got sent my bill too. They said I never paid it, that I couldnt do anything about it and that I had to set up a payment plan. 
They harassed me by saying that they would be filing for a lawsuit if I decided not to pay anything when I said I wanted to know where the money I had paid went, they wouldnt even let me send them the statements saying I paid anything in the first place. I have been paying XXXX dollars a month and they want me to pay the rest off when I get my taxes back.
Product: Mortgage

XXXX 2016 I called Ditech to make an almost {$2000.00} payment to my escrow account. The XXXX made a mistake and applied it as a payment to the mortgage even though I was 2 months ahead on payments.. I called Ditech in XXXX and brought the problem to their attention and they said they would fix it. They for some reason added {$5200.00} to my mortgage balance and never added my original payment to the escrow account. They have n't been able to explain what happened to the {$2000.00} or where it is. I talked with XXXX ( XXXX manager ) in XXXX and she said that the missing interest would be calculated and added to the balance and the mortgage and escrow accounts corrected. I am still waiting .... I asked XXXX several times where the amount of {$5200.00} came from and she would only say that it was a redistribution and could never explain to me the details of the actual amount of money or why my mortgage balance increased by that amount. I asked XXXX why my balance increased by the amount of {$5200.00} and she kept repeating that it was a redistribution - that does not answer my question. I asked XXXX to mail a letter explaining the redistribution, why the amount of {$5200.00} was added to my balance, and where the {$2000.00} went to ; of course she did not do what she told me she was going to do. 

This problem has been going on since XXXX and Ditech lacks the competence and knowledge to correct their own problem and the only way I find out they are padding their profits and books is by me closely watching my balance. The amount of {$5200.00} plus the almost {$2000.00} needs to be reapplied back into my account, plus interest since XXXX. I also want an written explanation of what caused the problem, what they have done to correct it, why the actual dollar amount ( {$5200.00} ) was added to my balance, where the {$2000.00} escrow payment is, and what are they doing to guarantee this will not occur in the future. 

There should also be fines and fees charged against Ditech. If I owed Ditech over {$7200.00}, plus interest, they would have their lawyers camping at my front door.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below inquiries were not made by me. Request for removal, second request. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Since GM Financial switched payment systems and companies they have failed to process payments. 
I have spent HOURS calling them trying to get my payments posted. Every month I spend more time researching my account, payments, calling them, following up, getting proof of payment and all but BEGGING for them to post the payments. 
My account is in a constant 'overdue ' status when its paid via electronic check every month. 
I was assured last week the issue was resolved, yet again, they failed to apply my payment from Thursday XX/XX/XXXX. 
I've worked with XXXX XXXX however he's just a facilitator to an endless cycle. I've lost time at work, I've lost sleep, I've had XXXX over the countless hours spent in nearly THREE MONTHS of this mess.

If this is not resolved, I will have no choice but to seek relief through court. I don't know what else to do. 
Also, this is the second complaint I've filed with the CFPB, the first complaint was 'closed by the company ' reporting that they fixed this issue. Clearly that was a false statement. 
Please do not permit this complaint to be closed without my confirmation that they've actually cured the issue. 
Thank you