23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not reinvestigate the alleged accounts. XXXX XXXXXXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, XXXX XXXX XXXX XXXX XXXX Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the alleged debt since you sold it. XXXX XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, the correct balance, proof of ownership stating that you are in position to collect the debt, you have the right of assignment, prove to me that the creditor did not directly partner with you. I demand verification of the original creditors information including their name, telephone number and address. XXXX XXXX XXXX, charged off this account as a profit loss to the IRS. The account is still reporting transactions and experiences, which is a violation of my consumer rights under section 15 USC 1681. Since this account has been written off as a profit loss, I am requesting a form 1099c form- cancellation of debt, since the amount is over {$600.00}. The balance was {$4100.00}. The balance has increased to {$4200.00}. The original charge off is {$4000.00} and the high balance is {$3900.00}. XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, and that you wrote this account off as a loss profit to the IRS. if the balance was written off as {$260.00}, why is the amount due is {$450.00}? EXPERIAN has not updated me with any correspondence. Please send all correspondence to the address that is being provided in this complaint/dispute.
Product: Credit card or prepaid card

My wife and I did not receive our EIP card with our stimulus money. After several months I checked with Regions Bank to see if they could help. According to Regions, our EIP card with our {$2400.00} stimulus was redeemed at their branch on XX/XX/2020. Neither my wife nor I have ever seen the card, and I think it was stolen from the mail and redeemed. Regions claims they no longer have video of the drive through on that day. I have been working back and forth with Regions and the IRS since 2020 and I'm still without a resolution. 

Regions tells me that I need to contact the IRS and the IRS tells me I need to contact my bank and the card issuer. I have contacted the card issuer, who I believe is XXXX XXXX XXXX and they tell me to contact my bank. My wife and I are retired and very much need this stimulus money.
Product: Credit card or prepaid card

On XX/XX/2022. I tried to pay my Chase credit card payment using the Chase ATM outside the bank. However, When I insert the {$2200.00} cash to the ATM, it ate my money and gave me an error receipt. I called the number on the receipt immediately and the person on the phone said they will credited me the {$2200.00} balance to my credit card account while they investigate this error. XXXX months later, I noticed that they reversed the balance. I called them to ask why my payment was reversed and the person on the phone told me my claim was rejected because amount they found does not match {$2200.00} and there is nothing they can do to recover my money. 

I have attached the receipt the ATM gave me the the error happen.
Product: Mortgage

I am having a very difficult time with XXXX/NewRez. I have been approved for a modification and was making my trial payments. I was unable to get a hold of XXXX/NewRez durning the holidays and now am having trouble having XXXX accept my 3rd trial payment. I called to set up my 3rd payment on a payment arrangement for the XXXX. I was being recorded and I " Specifically asked if should post it for XXXX XXXX because ii wanted to make sure all funds were in '', he said i should be okay because they dont receive the funds until 3-5 business days. As long they receive payment within XXXX I will be fine. They will then send me new papers upon my mortgage agreement. I got an email notification about XXXX/NewRez received payment. I never gotten an XXXX alert from my bank claiming an insufficient fund. I called on XX/XX/XXXX because no answer during the XXXX XXXX Holiday. I talked to XXXX ( asking why they have not taken the money or fired XXXX ) who told me that the check came back and that there is nothing they can do for me except do another modification. My last payment ... he said if they took the money now it s for XXXX and XXXX would not be accounted for!!! I was almost in tears and explained what the other representative said to me. He really didnt seem to care! 

In the middle of trying to get this resolved with XXXX, my file was transferred to NewRez, and they are not following up on the complaint or trying to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Number : XXXX incorrectly reported as a charge off and repossession. FTC law and Federal Truth In Credit Reporting Disclosure Act protects my credit from any delinquency reporting after seven years. There should be no lates on my credit report for all open credit cards. I prepaid my account one month in advance before any due dates for all opened accounts to avoid any future problems as a catalyst.
Product: Debt collection

I recently reviewed my credit report and noticed several accounts that I do not recall that belong to me. On XX/XX/2018 I sent out a certified debt validation letter to verify the accuracy on the alleged debt. I requested the following under Fair Debt Collections Act : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : and I received a 1st response with nothing more than the account was reviewed and verified and was being reported accurately with nothing as the requested above. I then proceeded with a 2nd validation letter which I will attach and the 2nd response I received.
Product: Debt collection

I contacted all 3 credit bureaus about the inaccuracy on my credit report months ago. As of today, the following information remains on my report. I have a statement on my credit report about several family members with the same or similar name in spelling. The accounts and amounts are listed below. : Afni XXXX XXXX XXXX XXXX XXXX, Il XXXX Opened XX/XX/19 XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, IL XXXX Please help me these accounts do not belong to me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the it item I am asking you to verify as accurate : Account Name - XXXX XXXX XXXX XXXX Account Number - XXXX
Product: Checking or savings account

XX/XX/2018 : {$6000.00} was withdrawn from my savings with what appeared to be a XXXX account linked to my SunTrust Savings account. After several days the money was reimbursed. 
I reported this immediately to SunTrust. After being told the first time it wouldn't happen again, 30 days later it did. 
XX/XX/2018 : {$35000.00} was withdrawn from my savings and two checking accounts with again what appeared to be dozens of XXXX accounts. 
I immediately froze my account, changed my passwords again. After about 10 days, the funds were returned and I unfroze my account so that I could transfer all funds to a new bank ( XXXX ).  While waiting over the past 48 hours for my check to clear to the new bank, additional funds are now being sucked out of my checking account and I am told SunTrust " probably will not be able to stop it ''. I notified them within 30 minutes of the transaction pending and they are unable to prevent it. I literally do not have enough time to move the funds before the thief steals from me again and SunTrust is incapable of preventing the theft from occurring. It is now impossible for me to move the funds. My mortgage was due weeks ago and they have provided no assistance to ensure I can access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX  and Equifax regarding an account being reported by XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX  ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX  and Equifax failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Product: Debt collection

Dynamic Recovery solutions spoke to me about a debt I attempted to get the representative to email me information to make payments online, she refused this was on XX/XX/XXXX at XXXX. She wanted me to give her my cc or bank # to set it up automatically I told her I can go ahead and pay myself online she got upset and said collection activity will continue and to call her back when I was ready to give my information over the phone. I received another call the same day at XXXX from my understanding if they spoke to me and I requested information in writing that should be sufficient in a day. I feel harassed and disrespected at the fact that im willing to make my own payments and they wont allow me to unless they get my bank information
Product: Credit card

XX/XX/XXXX I made a purchase on my PayPal credit account to : XXXX XXXX XXXX in the amount of {$1000.00} XX/XX/XXXX XXXX XXXX XXXX refunded me {$1000.00} to my PayPal credit account XX/XX/XXXX PayPal Credit charged me back {$1000.00} on my PayPal credit account showing it as a PayPal Purchase due to a double credit applied to my account from XX/XX/XXXX refund from XXXX XXXX  XX/XX/XXXX PayPal ( non Paypal credit account ) put a {$1000.00} deficit on that account advising I have an over payment due to double refund. 

XX/XX/XXXX I spoke to 4 different PayPal Credit representatives to file a dispute of which the last one Supervisor XXXX said she could see the issue but since she is PayPal Credit and PayPal doesn't share the same systems there was nothing she could do to remove the error. She transferred me to PayPal customer service. I spoke to 2 people who couldn't even repeat my name and didn't understand the issue. I went to PayPal messaging and spoke to several reps asking to file a dispute and all they told me was pay the balance due
Product: Credit reporting or other personal consumer reports

I Just came back from a mission trip on XX/XX/year>. Upon getting back I looked at my credit report and found that somone has used my identity to get credit cards, car loans, and other other loans. I listed these documents that are not mine.
Product: Debt collection

I settled the debt with this company because they promised they would remove it from my credit i did not owe {$440.00} to XXXX XXXX  XXXX and i explained that over and over again yet it is still on my credit they forced me to pay a debt i never owed with lies and promises
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022
Product: Debt collection

I was covered under medical at the ti.e of service but it went to colections before i recived any bills. They never want to accept any payments except to split in thirds and that is nust not happeneing and theu file with multiple creditors who duplicaye the account u fairly.imoacting the credit score
Product: Checking or savings account

On XX/XX/2019, a fraudulent transaction of {$540.00} was made from my checking account. The transaction was made to XXXX. I called XXXX the same day, and they said my debit card had been used. I did not use my debit card. The withdrawal had not been made through my XXXX account, but from someone else 's XXXX account who had fraudulently used my debit card information. My debit card had not been stolen, and I still have it. Someone apparently used my debit card info to make a XXXX transaction. The person 's name is XXXX or XXXX XXXX. I reported the fraudulent transaction online to my bank as well, which is Ally Bank. They immediately closed my debit card and issued a new one. It is XX/XX/XXXX, and Ally Bank has not given me a credit or provisional credit for the money stolen for me as required by Regulation E. XXXX told me that they reversed my transaction on XX/XX/XXXX and sent the money back to Ally Bank. I just received a letter today, XX/XX/XXXX, from Ally. The letter is dated XX/XX/XXXX. The letter states that " the disputed transaction was processed through a third party payment processor, XXXX. Therefore, the transaction is considered a merchant dispute and provisional credit is not provided, '' which I presume means they believe the transaction is not governed by Regulation E. I read this letter to XXXX, and they stated the judgement in this letter is incorrect. This is not a merchant dispute, and the transaction was a fraudulent transaction governed by Regulation E. It would only be a merchant dispute if I authorized the transaction. As I didn't authorize the transaction, it's not a merchant dispute, and is governed by Regulation E. Ally Bank knew or should have known that this was a fraudulent transaction because I told them on XX/XX/XXXX that it was. The fact that they immediately closed and mailed me a new debit card indicated that this was their understanding as well. I do not understand then why they are stating this is a merchant dispute, and why I don't have a provisional credit. I also don't understand why the {$540.00} is not back in my account if XXXX reversed the charge on XX/XX/XXXX. I called Ally Bank, and the agent said he did not see evidence of the money being sent back to them by XXXX on XX/XX/XXXX. He stated that he was forwarding a request to the Executive team, and I would receive a response in about 4 business days. Ally Bank is not in compliance with Regulation E, and the money should be back in my account.
Product: Debt collection

I am a victim of identity theft. I discovered it in autumn of XX/XX/XXXX when I tried to open a credit card with XXXX XXXX. 
I believe my information was stolen after my first visit to the US in XX/XX/XXXX and used from XX/XX/XXXX to XX/XX/XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XX/XX/XXXX to autumn XX/XX/XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. 
I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not XXXX and XXXX XXXX. 
I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. 
XXXX is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. 
XXXX went even further and started selling this account to credit collection agencies and these started reaching out pushing me to pay for something I never owed. Every investigation result they send me is the same template. The investigation team never reached out to me even after they promised me to get me with the investigator. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Please assist, as at this point I dont even know what to do as these banks are straight harassing me with no reason for this messing my perfect credit history. 

Account numbers are the following : XXXX XXXX XXXX, opened XX/XX/XXXX, {$25000.00} XXXX XXXX XXXX, opened XX/XX/XXXX, {$16000.00} Both accounts are charged off. 

Please let me know if you need any additional information on this.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to report an issue with KeyBank, which has frozen all of my accounts, online banking, and credit and debit cards over a legitimate check that was posted on XX/XX/XXXX. My name is XXXX XXXX and I have been a loyal customer of KeyBank for many years. I am extremely frustrated by the situation I am currently facing. 

On XX/XX/XXXX, I deposited a check into my KeyBank account. The check was legitimate and was for a considerable amount of money from my insurance company. However, when I attempted to access my account online a few days later, I found that all of my accounts had been frozen. I was unable to use my credit or debit cards, and I could not even access my account to see what was going on. 

I immediately called KeyBank customer service to find out what was going on. After several transfers and long waits on hold, I was finally informed that my account had been frozen because of a security issue related to the check I deposited. The bank claimed that they needed to verify the legitimacy of the check before they could release any of my funds. 

I provided KeyBank with all of the necessary documentation to prove that the check was legitimate, However, despite my best efforts, my accounts remain frozen and I am unable to access my funds. 

This situation has caused me a great deal of stress and financial hardship. I rely on my KeyBank accounts to pay my bills and support my family, and I am now unable to do so. I feel that KeyBank 's actions are unfair and unjustified, and I am seeking your assistance in resolving this issue. 

I kindly request that you investigate this matter and take appropriate action to help me regain access to my accounts and funds. I would also appreciate it if you could ensure that KeyBank does not take similar actions against other customers in the future without proper cause. 

Thank you for your attention to this matter. 

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

My information has been compromised online which resulted in my information floating around online. I've been abroad since XXXX and came home as of XX/XX/XXXX. As a result of my information being compromised and numerous fraudulent accounts have been opened under my name and social. Also numerous inquiries are listed as a result. 

The following fraudulent accounts aren't not mine : 1.XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX Acct # XXXX 6. The XXXX XXXX Acct # XXXX 7.  XXXX Acct # XXXX 8. XXXX Acct # XXXX 9. XXXX Acct # XXXX 10.  XXXX XXXX XXXX # XXXX Inquiries : 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: Debt collection

Company has trade line on all XXXX credit bureaus, consumer has no knowledge of this debt. Consumer has sent debt validation letters to National Credit Adjusters LLC via Certified Mail with return receipt which was delivered on XX/XX/2023. For account number # : XXXX, Amount in Dispute : {$200.00}, and Acct # : XXXX, Amount in Dispute : {$270.00}. I have no knowledge of this account and I have sent NCA LLC debt validation letters with no response. 

I have no knowledge of these accounts. Company has not responded to debt validation letters that have been sent. Trade lines still appear on all 3 credit bureaus