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

I have been on my credit report lately and have seen after many tries to remove inaccuracies from all three agencies i have not been successful. so to me this CONSPIRACY against my credit report must be reported. more that XXXX discrepancies are reflecting on trans union XXXX Equifax and XXXX all inaccuracies that still hurt me and hinder me from living a productive life daily. In accordance with the fair house credit reporting act these credit reporting agencies have violated my rights under 15 usc 1681 section A section section 602 I have the right the privacy/ 15 usc 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instruction./ 15 usc 1666b a creditor may not treat a late payment on a credit card account on an open end consumer plan as late for any purpose.
Product: Checking or savings account

I deposited on XX/XX/2020 {$450.00} CASH then $ when asked if I wanted to deposit more I deposited {$900.00} the ATM gave me back a {$100.00} and the ATM started to make a loud jammed noise. After that gave me a receipt stating MACHINE ERROR Attempted deposit {$450.00} I contacted the branch manager and he when through the back of the ATM machine and said he only had limited access and that he could see any bills jammed. I called the ATM department ( since the bank has nothing to do with their own atm ) and filled a claim. The representative filled 2 claims one for {$450.00} and another {$800.00}. Up to today i only got {$450.00} deposit to my account and the {$800.00} still on dispute because the bank closed that dispute as a " duplicate claim '' even do its not the same amount! How can it be a duplicate? Now i have another claim number and no response from the bank. 
US Bank is in violation of regulation E. 
ATM claims you have to wait 10 business days for a credit even do its not a third party ATM. Ridiculous
Product: Credit reporting or other personal consumer reports

After Reviewing my Credit Report with EXPERIAN I noticed Inquiries on my EXPERIAN Credit Report that I did not Authorize that are not connect to any account on my credit report by these banks of dates listed, XXXX XXXX Inquires Date XXXX, XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX  Date XXXX, XXXX XXXX XXXX  XXXX XXXX Date XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose, other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instructions for any inquiry to be allowed to report to EXPERIAN Credit Bureau. Please verify all written letters. 18 USC 1028A Aggravated Identity theft. EXPERIAN Credit Bureau has committed a crime according to 18 USC 2028A Aggravated Identity Theft. Please remove all inquiries on my credit Report with EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : 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. I have aleady contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!
Product: Checking or savings account

On Sunday, XX/XX/2020, while checking my on line bank account with Firstbank i noticed 2 unauthorized transactions. The transaction amounts were for {$240.00} and {$300.00} and were from XXXX. I immediately contacted Firstbank in Puerto Rico by phone. I was told by a customer service agent that the bank was unable to stop the transactions. The bank customer service rep told me I would need to wait till the transactions processed and to call the bank back on Wednesday, XX/XX/2020 to submit a request to investigate the transactions. 
I followed the bank reps instructions and called backed on Wednesday, XX/XX/2020. The bank rep that I spoke to took my statement and cancelled my Visa debit card ( XXXX XXXX XXXX XXXX ). 
I also mailed a letter on XX/XX/2020 to Firstbank Customer Experience & Problem Resolutions Dept in Puerto Rico asking them to reverse the fraudelent charges. 
On Wednesday, XX/XX/2020 I called Firstbank in Puerto Rico for a status on my claim and the representative told me my claim was denied because I had not cancelled the debit card the transactions were made on. 
I requested to speak to a supervisor and i was transferred to Ms. XXXX XXXX. Ms. XXXX saw that the Visa debit card was cancelled on XX/XX/2020 and she submitted another request to their department regarding the fraudelent charges. 
On Friday, XX/XX/2020 I called Firstbank in Puerto Rico for status on my claim and I was told it was denied again because I had not cancelled the debit card and the charges were made in the area I reside in. The customer service rep did some additional investigation and found that the wrong debit card was cancelled and that the 2 transactions were atm withdrawals using my ATH debit card and my pin. The bank rep then cancelled the correct debit card ( XXXX XXXX ) and submitted a another request to their department. 
On XX/XX/2020, I received a call from Firstbank fraud department asking me if I tried to use the debit card ending in XXXX to withdraw money at an ATH machine and I told then it was not me. I also explained to them about the 2 fraudulent charges on my account. 
On Thurday, XX/XX/2020 I called Firstbank to follow up on claim and again I was denied because the card used for the 2 transactions was my debit card and my pin was used to withdrawal the funds. They also told me the transactions were done in the area I live in. 
Another request was submitted on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 have been paying a debt collection agency called, Central Portfolio Control since XX/XX/XXXX with an initial payment of {$70.00}, and then to be debited, {$50.00} each month, thereafter, until the debt is resolved. I recently ( XX/XX/XXXX ) was debited, {$50.00} above the authorized {$50.00} with two debits of {$37.00} and {$12.00}.

I contacted my bank and the bank advised me to call Central Portfolio Control, gave me the telephone number, and attempt to resolve it from there. I then called Central Portfolio and got the round around by their representatives giving me other numbers to call. One of the numbers was actually the number for XXXX XXXX. 

I finally reached a representative for Central Portfolio and was advised that the extra charges were to either even out two of the individual debts ( all debt is to the same original company ) or pay off two of the individual debts-she did not know which. 

I then explained the situation to her and advised her that I am on a fixed income and that I needed the extra charges removed. I also advised her that I would allow the {$50.00} I authorized for this month, but going forward I wanted the automatic debit to be canceled-that I would manually pay the {$50.00} monthly until the debts are paid off. She agreed to do as I instructed.

Later I received a call back from Central Portfolio Control-this time a different representative. She advised me that they indeed overcharged me and would reverse the extraneous charges and stop the automatic debit. 

I feel that Central Portfolio Control violated my trust because this is not the only time I have been confused by their record-keeping and the differing amounts I have been told in the past. Using their online site is also a nightmare as record keeping is not as it should be-full of holes. 

I have print screened and otherwise recorded what is on their online site as of XX/XX/XXXX in case anything is changed since this complaint. 

There are three charges of the same exact amount and when I called them, the representative told me that those charges were, indeed for different services, which I am suspicious of. One representative told me a different balance due than another rep. I have no confidence that they are handling my account correctly and would like them to be investigated.
Product: Debt collection

XXXX XXXX aggressive debt collection became deceptive and dishonest. Resulting in incorrect negative credit report. 
XXXX XXXX deceptive collection activities allowed for a specified number of days to pay outstanding balance before sending the account to collections as per their billing statements. 
XXXX did not honor their disclosures and pushed my account into collections, resulting in the incorrect information reported on my credit report. I requested my service to be disconnected for the reason of going with their competitor. XXXX never closed my account and allowed it to run into disconnection for non payment. Once XXXX was advised they were in error, they continued to treat my account as a non payment, and the amounts were not correct, and have not been given a clear amount due as of yet. XXXX did send an adjustment amount, which I could not verify as valid. XXXX never advised me the account was going to collections, XXXX sent XXXX letters for demand of payment, both were for the wrong amount. 
Clear violation of the FDCPA 15 USC 1692e at the least. 
The closing bill was never sent, the account was never corrected from disconnection for non payment to consumer request to close and a accurate closing bill sent. Instead XXXX adjusts the erroneous inflated amount due to a lower amount and allows XXXX days to pay, without notice they send it to collection and way before the XXXX days were up as per their billing statement. XXXX was paid within XXXX days of receipt of the adjusted bill, which still is a questionable amount.
Product: Credit card

Someone opened up a chime secured credit card in my name through a link via XXXX XXXX through a referral campaign with XXXX. On XX/XX/year>. This was not me. I believe that this secured account was used to fraudulently move money starting XX/XX/year>, and continuing through possibly XXXX. Theres something called move my pay in the app and because of malware that was installed on my phone hackers were able to get into all of my accounts and figured out a way to email Almost invisible. I asked chime for any information relating to my social security number and months later still no data from chime. Theres thousands of dollars unaccounted from my social security XXXX check. Please help me figure this out
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report, I noticed some accounts I am not familiar with, I have asked the CRAs for validation of debt however the information has not been provided. Due to my information being exposed, I have submitted an ftc complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, The FTC Complaint, Copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX TODAYS DATE:XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX CHARIOT XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX , FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers do not belong to me ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular EMPLOYEES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX
Product: Mortgage

XX/XX/2016 My wife and I applied for a mortgage with WellsFargo. 
XX/XX/2016 Completed an RPA on XXXX XXXX, Ca XXXX, that included a security deposit of {$14000.00}, based on the assurance that Wells Fargo agreed to the timeline and that financing could be completed in order to not jeopardize the deposit and fulfill their responsibilities as dictated by the Truth in Lending Act. 
XX/XX/XXXX WF loan officer Loan officer emailed then called and spoke with my agent to tell her that the loan was approved. ( I have electronic copies of this email ). This approval was made with full knowledge of the agreed timeline and consequences if it was not fulfilled. Any concerns or changes to the timing would then be the responsibility of Wells Fargo to communicate to us as dictated by sections 1026.19 ( e ) and Section 1026.19 ( f ) of the Truth in Lending Act. 
XX/XX/2016 My agent sent email to loan officer to confirm that in fact the loan had been approved and contingencies could be lifted. An email confirming this was received by agent who then removed contingencies. ( I have electronic copies of this email ). This was an inaccurate statement which placed the deposit in jeopardy as the agreed timeline was not met by WellsFargo, making them directly responsible for defect in the closing agreement as dictated in Section 1026.19 ( f ) of TILA. 
XX/XX/XXXX My agent and I separately tried to contact the loan officer to make sure that we were all set to close on XX/XX/XXXX. He was on holiday in XXXX and not answering his phone '', " returning calls or responding to emails. After calling the loan officer 's branch manager and leaving a message, she physically went to the branch office in XXXX. She met with the branch manager who had not been informed of the details of our file. She shared the emails with him and he told her that the loan officer should never have said that and that he needed to coach him to not say that in the future. This was a direct violation of the Truth in Lending Act as they failed to provide accurate and timely information as dictated in Section 1026.19 ( f ). 
XX/XX/XXXX closing date was missed due to incomplete financing. Seller denied extension and communicated intent to keep the deposit. 
Loan manager admitted fault in loss and provided contact information to apply for refund of deposit of {$14000.00}. This was an accurate statement as they failed to provide accurate and timely information, violating the Truth in Lending Act.
Product: Credit card or prepaid card

I have a capital one credit card an in the credit wise it seems like someone is opening another account in my name. Just want to be sure Im ok. An that no one has used my info to open another account.
Product: Credit card or prepaid card

I stopped using My " Direct Express '' prepaid card in about XXXX of XXXX but the card still had a balance of over {$1600.00}. After using the card in XXXX of XXXX I noticed a serious discrepancy in the balance.After some checking I realizing about the fraudulent charges and called Direct Express customer service and fraud departments immediately informed them of the fraudulent charges, reported to miss use online, canceled the card, had a new one issued, requested the necessary paperwork to file the report be mailed, and filed a police report. Also ... In my first conversation with the agent at Direct Express ' fraud department I was informed that the fraudulent amount charge look to Total around {$1300.00} to her and if I filed the paperwork that would be mailed to me and return it within 10 days I would be giving a temporary credit for the amount claimed was stolen while the decision was being made. Direct Express did not mail the paperwork needed from their office for 7 days and I did not receive it until 11 days after the initial report had been made canceling any chance I had a receiving a temporary credit. I've read online that this is a common practice with this company.Once I received an itemized statement from XXXX to XXXX I realized that there were hundreds of these online charges ranging from one cent to around {$40.00} totally around {$1500.00}. I filed a complete report itemizing every charge including the police report number filed and the officer that filed it and waited for a response. After about a month I received a letter saying my claim was being denied and that they believed all charges were made in good standing by me. I called Direct Express ' fraud department, informed them that this was incorrect and was told that they never requested a copy of the filed police report saying it was not necessary and the decision was final, there was no appeal process, and there's nothing that I could do about it. I have copies of the entire claim report I filed with Direct Express fraud department as well as copies of the police reports I filed at my local police department about the fraud if needed.
Product: Checking or savings account

Month after month I loose connection between XXXX and my Checking account. Past 3 months I have to call in 3-4 times make complaints about it not working and a week later its suddenly working. Its horrible to not be able to use the function. I have made several calls during XX/XX/XXXX when it was not working then it was working. It failed in XX/XX/XXXX I called then TD fixed it after several calls. In XX/XX/XXXX it failed I called several times then TD fixed it. And here we are in XX/XX/2018 several calls and its still not working, ,.. This is ashamed the tech support department runs me around like crazy talking to people who have no idea. No personal attention or real technical knowledge is ever involved..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TRANSUNION IS REPORTING WRONG
Product: Credit card

Around the XXXX of XXXX and XXXX of XXXX, I started trying to find out date balance was due on a medical charge. I was unable to call co as no phone number was on statement, only an address one was to submit an inquiry to. I began to write a letter but in meantime a {$4000.00} plus amount showed up on my XXXX statement as an interest charge. I immediately wrote the letter to address this. I finally got a phone # from my banker and called to see how to resolve this. No real answer given but to wait for response to letter. I heard nor received a response other than a text or emai that my letter had been received and was being reviewed. I called XXXX more times with no real response even when passed to acct mgr. I then wrote a second letter, on XX/XX/XXXX which is attached and included a check for remaining bal. Of {$4000.00}. The last time I called was XX/XX/XXXX and was told to call back XX/XX/XXXX for an answer. I called back on that date and was then told it would be up to 60 days before I got response, even though they had supposedly been reviewing my inquiry since they got first letter in XXXX. I then asked that they suspend monthly payments till I got an answer and was told no. This was from above customer service managers. This co. Obviously is intentionally not resolving this dispute, in hopes that I will just continue making payments or simply give up and pay it. The card is Care Credit/synchrony Bank . Any help you can give me will be much appreciated.
Product: Mortgage

Freedom Mortgage Corporation is running a scam on their existing customers in an attempt to get them to refinance. MidXXXXXX/XX/2019 Freedom Mortgage contacted me and informed me that I was a premier customer due to my account status ( never late with payments ) and as a reward they wanted to lower my interest rate by 0.2 %. All I had to do was refinance my loan and they would pay for all the costs - XXXX  dollar out-of-pocket. When asked why they were doing this, their answer was that they wanted to keep me as a customer and not refinance with another company and reward me for being a premier customer. Bottom-line, they sent me through a refinancing exercise that ended up with a new loan amount that had a {$3900.00} increase over my current loan balance ( {$2700.00} of which covered the refinancing fees ). When I reviewed the final loan documents and noticed the {$3900.00} increase over the life of the note ( 287 months ) they responded by stating that actually I was no longer eligible for the loan due my retirement income stream and they were cancelling the application. Total scam. Wonder how many retirees are getting taken by this XXXX  ...