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

A few days ago Experian sent me documents stating there was a freeze on the account and than a few days later XXXX changed the name to the right name and than changed it back to the XXXXXXXX XXXX name. Ofcourse this is what happens in the great XXXX scandal. Lawsuits are being arranged since this is a distraction. but I have several remedies to end this.
Product: Credit card

A fraudulent hard credit inquiry from Capital One on XX/XX/year>2024, brought to my attention by my credit monitoring. I called Capital One and they have no information about it, they refer me to the 3 credit bureaus, the credit bureaus then refer me back to Capital One with no attempt to resolve this.
Product: Checking or savings account

I created a USAA profile to see if I could qualify for their serivices. I didn't nor did i open any type of account with them. Just a profile, however they need me to give them my name, DOB, SSN, addresses in order to create a profile. Since i didn't qualify for their services i asked a chat agent to delete my profile. However they told me they can not. Now i would understand if i actually had a checking, saving, car insurance, etc but i don't nor did try opening any. So now they are holding my personal information XXXX. I should be allowed to delete my profile if i didn't open any accounts with them.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan ; ; and credit card, and any other accounts from XXXX XXXX with a balance of {$3400.00}, XXXX With an unknown balance. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Just got off of Forbearance, and mortgage company was adding extra fees for unexplainable reason, which i believe i am being taken advantage for their possible losses in their revenue.. 
Spoke to 2 different reps, and the first one i spoke to took my payment on XXXX, for 7 months, that i owed for being on forbearance, and told me that all i owed was for the fees, in which i told her i would pay those on XXXX. On that date, I went to the web site to make a payment, and notice and extra XXXX dollars added, when all i was told that, the payment was for the fees only, when on XXXX the payment, on the web site on that day read the 7 months payment due XXXX So i get on the web site on XXXX, and their is an additional XXXX dollars added, with a due date of XXXX The 2nd rep wanted to add an additional XXXX more for fees to the already XXXX dollar added amount on top of the fees that i had agreed to pay with the first rep on XXXX My complaint is the fees that am continuing to pay ; i feel are for their benefit and not mine.. I understand i was struggling to make payment for a while, but with fees for this and fees for that, how is a family going to make the correct payment if the amount on the web site is not the correct amount due hidden fees, which in then i get hit with a late fee because the right amount was wrong on the web site..This mortgage company took over my previous mortgage company ( Seterus Inc ) which i filled a complaint with them for Breach of my information..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are fraudulent are on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX IN is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Checking or savings account

I was told that the only way to close my huntington business checking account was to drive to a branch. If I can open an account online, I should be able to close an account via the internet or phone. 

Close the account now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation. 

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, XXXX XXXX was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10  years. accounts I demanded removed ( 2007 ) repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me. 

I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.
Product: Credit card

On numerous occasions during XX/XX/2015 Diner Club Credit card hastaken an inordinate amount of time to post the monthly balance pay-off to our account. Generally waiting until after the duedate has past. When Customer Service was query more than3 time during XX/XX/2015, Service personal gave the preverbal the Post Office must be to blame. The demonstrative facts are quitedifferent ... 
Twice document, XX/XX/XXXX and XX/XX/XXXX, on the day the payment was due, and 15minutes before close of their business day ( PDT ), Diner Clubclaimed the payment was not yet received, yet XXXX ( EDT ) thefollowing day the payment was not only received by Diners, but posted to the account, and had cleared our checking account the nightbefore. As you can image this must be magic, how during theirbusiness day they have no real time information, but our check canarrive, be processed, posted to our account and miraculously clearour checking account, the night before. Sounds like very sloppyaccounting work flow and at the very least poor customer service.
Product: Debt collection

Wells Fargo Bank made an unauthorized draft against my business checking account last night : XXXX/XXXX/2016 DEBIT WELLS FARGO CARD PHONE PYMT - ********** {$400.00} ( {$270.00} ) This unauthorized access to funds in my account resulted in my account being overdrawn. In addition to this, other legitimate transactions were posted to my account after it was overdrawn and overdraft fees in the amount of {$65.00} were assessed by my bank. 

Fortunately, I discovered this situation this morning and my bank is being very helpful in addressing it. I have been using the phone payment feature at Wells Fargo for the past several months, but this most recent draft against my account was absolutely unauthorized. I had not had any communication with any person representing Wells Fargo to authorize this. 

This is actually not the first time such a thing has happened. The first time was confusion about how many electronic drafts I had authorized ( I had authorized XXXX payment, but because of poor communications I can see how they have plausible cover thinking I had authorized XXXX ). 

This time, there was zero communication between myself and Wells Fargo, only an electronic draft issued last night in the amount of {$400.00}, which I discovered this morning. 

I have had a history of slow payment on this account and Wells Fargo has normally been reasonable about letting me get the account caught back up. 

I happen to be still behind schedule ; I am currently due for two month 's payments after having been even further behind during the winter months. 

No doubt this is the reason someone at Wells Fargo made the decision to access my bank account without authorization from me. 

I understand Wells Fargo 's expectation to be paid but they are not authorized to access my bank account without my permission, as they did last night. I note that this transaction occurred across state lines. 

My bank is taking care of the immediate matter by refusing the draft from Wells Fargo and by crediting my bank account in the amount of the returned items fees I was assessed after my account was emptied by Wells Fargo.
Product: Mortgage

XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX Chase mortgage acc # XXXX In XX/XX/XXXX my wife and I filed bankruptcy chapter XXXX in United states Bankruptcy XXXX District of Florida. The Document was approved on XX/XX/XXXX. At that time we were current on our mortgage ( Chase Bank ) and our personal vehicle XXXX XXXX financed by XXXX XXXX XXXX. Both items, house and car were NOT included in the bankruptcy and we paid a separate fee for what it is called Reaffirmation agreement ( {$300.00} ). I must mention these monies were paid to XXXX XXXX XXXX XXXX XXXX XXXX   whom represented us, prepared and filed all documentation before the court. I will include documents as necessary to prove our complain. Chase bank got ride of the loan and sold it to XXXX XXXX XXXX after fraudulent foreclosure process that has not been resolved until today .Earlier on XX/XX/XXXX it was discovered on court that only one item ( XXXX XXXX ) XXXX XXXX was accepted in a timely date through the reaffirmation agreement ( XX/XX/XXXX ) and The mortgage was not, even though they were paid and filed about the same dates or close by, therefore the house had to be surrendered due to the mortgage house showing included in bankruptcy. Despite all of our allegations and showing proves of receipts and been over five years, and the none jurisdiction of the court in the bankruptcy case, the judge sided with the bank attorneys and we lost that battle due to the inefficacy of the bankruptcy lawyer or a premediated action of someone else. Please we need Chase bank to provide the exact time and date of receipt for the Reaffirmation Agreement sent by our lawyer XXXX XXXX XXXX XXXX of XXXX Florida back in XX/XX/XXXX excluding the house in the such call bankruptcy case .Also explain thoroughly why if mistakenly the property was included in the bankruptcy chapter XXXX on XX/XX/XXXX, Chase bank kept collection mortgage payments until XX/XX/XXXX.We are requesting chase to reimburse us all the payments collected after XX/XX/XXXX when chase knew the house was included in bankruptcy. Thank you for your help
Product: Credit card or prepaid card

I have been attempting to obtain a debit card from US Bank Reliacard for almost a year to access my unemployment funds. I have sent in the verification information that was requested several times. However, they have still refused to update my address. I was informed that the update has to come directly from Unemployment. My address has been updated with unemployment for a while. However, US Bank has refused to mail me a card that has my unemployment funds. I am concerned that my funds will be sent back to unemployment and I will not received my funds.
Product: Credit card

ON XXXX/XXXX/2016 CHASE VISA XXXX XXXX XXXX XXXX IMPROPERLY CHARGED XXXX XXXX {$19.00} ( XXXX ). 
THERE IS NO LEGITIMATE BASIS FOR THIS CHARGE. XXXX XXXX NEVER AUTHORIZED XXXX TO CHARGE HIM ANYTHING. EFFORTS FAILED TO GET XXXX TO CEASE AND DESIST. 
XXXX XXXX XXXX BACK {$19.00} XXXX/XXXX/2016 XXXX/XXXX/2016 Sale XXXX {$19.00} Print XXXX, WA XXXX US Online, Mail, or Telephone transaction Rewards earnedXXXX+ 1 % ( XXXX Pt ) / {$1.00} earned on all purchases XXXX Total rewards XXXX Points
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion has reported on mye removed or show proof it was me that applied for credit for those companies. which credit report like 21 inquires that's not mines. As well I have sent a police report and a list of all inquiries to ball inquiries are Fraudulent. I have called and they told me they closed my request to have removed because my police report wasn't real. But Police report has the county of Police name as well the police report number to call and ask if this is a real police report. They are stopping me from get credit because of to many inquires. Here 's the inquires that's Fraudulent XXXX XXXX XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I thought this was a useful credit card, but I was inexperienced. I was seeking to repay this collection. However, I was seeing that you as a goodwill to just remove it. 

Balance {$940.00} Capital One Platinum Card
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to open a checkings account I was denied at TD Bank. I then discovered about an account where at the time the account was reported open I was a minor and I should not be responsible for the balance. These such items have been included with my report due to overdrafts. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have fallen victim to identity theft as a result of the Equifax data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of any fraudulent items appearing on my credit report. 

As a victim of this breach, my personal information was compromised and subsequently used without my authorization. I demand that any accounts, inquiries, or transactions that are not legitimately mine be permanently deleted from my credit file without delay. 

Please confirm in writing once these fraudulent items have been removed, and provide me with an updated copy of my credit report. Additionally, I request that my file be blocked from further fraudulent activity, as outlined by federal law. 

Thank you for your prompt attention to this matter.
Product: Mortgage

Wells Fargo given me misleading information the run around XXXX XXXX XXXX documents being mailed to me for the trial modification they insisted I was approved for. Was told by Loss Mitigation documents would be remailed to me for Trial modification. Spoke with loss mitigation they informed me they were never mailed, and they had noted the loan I had broken the promise for the trial. See detailed chain of events attached. CFPB Orders Wells Fargo to Pay {$3.00} XXXX for XXXX XXXX XXXX XXXX XXXX, Mortgages and Deposit Accounts. I am a victim of mortgage of improperly being denied loan modification.
Product: Credit card or prepaid card

Citi ( Citi/AAdvantage credit card ) is advertising a {$120.00} XXXX XXXX flight discount if you spend the required {$20000.00}. I spent the required money but the Citi refuses to provide me with the flight discount. They have all my spending records - and I do to - so I will not restate here. 

I spoke to Citi ( XXXX ) on XX/XX/XXXX at XXXX : XXXX XXXX for 25 minutes who reviewed my spending and agreed with me but said she had to submit for approval. ( Her notes of the phone call detailed my spending as well. ) On XX/XX/XXXX, I received a letter from Citi dated XX/XX/XXXX stating I did NOT qualify - no explanation provided. 

On XX/XX/XXXX at XXXX XXXX I called and spoke to XXXX at Citi who also reviewed my records. She indicated that I easily spend over the requirement - she then put me on hold and said she would have to get with her manager. XXXX came back to tell me I would have to write the company - and provided me with a fax number to state my case I am getting the run around from Citi. I have my documents - I have spent the required money yet Citi will not provide the benefit. What do I have to do? This is why I am turning to you and to prevent others from being taken advantage of by Citi.
Product: Mortgage

Hello All, I have two issues, one with J.P. Morgan/Chase Bank and the other is with the WA State Supreme Court Clerk.
The Clerk 's of the Courts effectively run interference for the court so they do n't have the court to hear Constitutional issue. I lost my family home of 61 years because of Clerk 's of the Court refuse to Docket my petition that the WA Constitution Article 1 Section 4, the right to petition. J.P. Morgan/Chase Bank commit fraud on a daily bases for profit at the expense of the consumer. Please help the American Consumers.
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX loan for my XXXX XXXX was signed in XX/XX/XXXX. 

The car was stolen in XXXX. 

XXXX charged off debt balance and sold debt to Portfolio Recovery Associates. 

Portfolio recovery associates continues to report debt balance as new or current. I disputed the information twice with XXXX XXXX and the credit bureaus. 

I also mailed a copy of the loan agreement that states the date signed of XX/XX/XXXX. 

The account for XXXX XXXX is also being reported as new and current. This loan card is also older than 8 years
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

For some reason, some time on XXXX I started to received some letters regarding an alleged account with XXXX XXXX XXXX, at that time I really did not know what to do and I forgot about it. Unfortunately, earlier this month, after pulled and reviewing my credit report, I found out that account with XXXX XXXXXXXX XXXX on my credit report, I have not idea of where this account is coming from, in other words, I am not the Debtor of this account. So I am requesting to remove it as soon as possible from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.