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

On XX/XX/18, I received a charge to my Citizen 's bank checking account for {$220.00} from XXXX that I did not authorize. On XX/XX/18, I reported this unauthorized charge to Citizen 's bank, and they opened an investigation. I was told that I would receive a response within 10 business days. 

I have not received a response nor a provisional credit. I called Citizen 's bank on XX/XX/18, and was told that I should receive a provisional credit while they continue their investigation. However, I called the claims department at Citizen 's bank today ( XX/XX/18 ), and was told that I was mailed a letter on XX/XX/18. I never received such letter. The claims representative told me that they needed additional information in order to proceed, including why the charge was unauthorized and the exact date that I spoke with the vendor. I informed the agent that the charge was not supposed to occur, and that I informed the Citizen 's bank representative of this on XX/XX/18. I also told the representative that I spoke with XXXX many times when the charge occurred, and XXXX told me that they never charged my card. I asked when I would receive a provisional credit, as I understood they were required to provide it after 10 days while they continue their investigation. I was told that they would not provide a provisional credit, and that Citizen 's bank had 90 days to complete the investigation.
Product: Credit reporting

To Whom it May Concern : I am very concerned that I can not retrieve my free credit report from any of the credit bureaus. None of the challenge questions match my credit profile at ALL. I am worried that my credit has been comprimised. I have taken the steps to request my credit report and score through the mail but I need action NOW. 

Any information or assistance you can provide would be invaluable. 

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

I receive a XXXX, Equifax and XXXX  credit report on XXXX XXXX and Derogatory Remarks of XXXX-XXXX-XXXX-XXXX  days late and deliquency of XXXX XXXX XXXX auto loan # XXXX And unauthorized Hard Inquiries hasn't been removed permanently from XXXX, Equifax and XXXX 
I have only four tradeline accounts of XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX that are active with XXXX, but accounts mentioned are not been displayed on XXXX and Equifax. 
Why XXXX, Equifax and XXXX not displaying Current on XXXX account as all accounts are Current. 

A Legal letter has been implemented for XXXX, XXXX, XXXX and Equifax to remove the derogatory remarks and all unauthorized hard inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Product: Mortgage

This initial issue began in XX/XX/2023. My income was lowered and I needed assistance with my house payments for 2 months -- well it is now XX/XX/2023 and this issue is not even close to being resolved and all I get told is that I did not submit proper documents. Over the course of XXXX, XXXX, and XXXX I contacted LoanCare on a regular basis trying to determine the issues with my partial claim -- it was always something with the paperwork. The first set of paperwork was an error on my part but after that -- I have no clue because I double, even triple checked before mailing. Anyway, with XXXX borrowers on the loan I was first told we both have to sign the same set of papers, no way around it ( for the partial claim ), then I was told no we could each sign a set of papers and send them in, so I contacted the other person on the mortgage and arranged for that to be done. Mind you over the course of these 3 months I venture to say over 4-6 sets of these partial claim documents were sent back and forth, we never were told what was incorrect, each time I called it was a different story. Which brings me to XXXX. On XX/XX/XXXX I mailed via LoanCare 's XXXX provided envelope the last set of documents.The other borrow sent his in around the same time but I do not have the exact date. On XX/XX/XXXX, I get a letter from LoanCare confirming my new auto draft ( that paperwork was part of the documentation I sent on XX/XX/XXXX, so obviously they received my information ). So I call again in XXXX to make sure everything is good to go and find out how to make my house payment. They tell me it will take 6-8 weeks for the partial claim paperwork to cycle through and in the mean time I need to call each month to make my payment. So then I call to make my XXXX house payment and guess what??? My partial claim application has been closed since I failed to return the appropriate documents in the allotted amount of time so I need to bring my loan current or I can reapply for a partial claim and begin this 6 month process completely over. 

I can tell you first hand, this company has no consistency or compassion. I take my mortgage very seriously and have been concerned about this process from the beginning because I do not want anything to happen to my home. One day everything is good to go and then the next day a completely different story. I am frustrated, upset and nervous. As a first time home buyer you are unsure what your rights are and being shuffled from one uneducated customer service rep to another is beyond frustrating when dealing with something of this magnitude. 

So currently, I still can not access my account online, LoanCare has closed my partial claim application because I DID NOT SUBMIT PAPERWORK ON TIME, and they would like the {$5000.00}. When asked if someone could explain this to me I was told that I could call back and see if a supervisor would speak to me. I COULD CALL BACK!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX XXXX Balance Owed : {$2800.00} Date XXXX XXXX XXXX Balance Owed : {$6100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$6300.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX
Product: Debt collection

I am continuing to get debt collection calls from a debt that, I was told, was paid in full in XXXX 2013. I have a paid in full letter, as well as an email conversation showing that I do not owe this debt anymore. That being said, 2.5 years later, I am still getting the phone calls and the debt is still showing on my credit report.
Product: Credit reporting

I 've disputed this public record account with Transunions 3 times certified in which I requested validation of proof, of this public record account. On XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX/XXXX/2016 transunion constantly sends me a credit report that states " verified '' attached is the letter requesting validation of proof 3 times. I mailed each letter certified each time I receive a credit report that states " no change verified ''. I 'M requesting validation of proof on letterhead of the person that verified this public record. NOT a credit report stating " NO CHANGE VERIFIED. I attached a letter from the federal courts showing they did not verify this account transunion is the only credit bureau giving me a hard time to delete this account. The account number with transunion for this dispute is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a serious victim of one of the most involved identity theft fraud cases in the history of XXXX XXXX XXXX. After I opened my checking and savings accounts with the XXXX XXXX XXXX CA XXXX in XXXX, a few months later I started noting some strange activities on my accounts. Then I received in the mail filled out applications for XXXX XXXX Accounts that I never requested. I went into the Branch to confront my Banker XXXX XXXX. His explanation was very alarming. He claimed that his colleague XXXX XXXX was working on another customer 's accounts and got some of my information involved. That was absolute XXXX. I immediately requested to speak to the Bank Manager.  When I brought this to the attention of the Bank Manager, his attitude was very disturbing. He responded as though this was a miniscule matter, and I shouldn't be concerned. That's when I decided to close my accounts with that Branch and move them to the XXXX XXXX XXXX where my Mother 's account was. So I requested them to immediately close my accounts, They informed me that all pending transactions had to be cleared first, and then they would contact me. After a week had expired and I wasn't contacted, I went into the Branch in person. I requested to meet with the Branch Manager again. I told him that if my accounts weren't immediate closed and I didn't receive my full funds, I was going to file serious fraud charges against him and anyone involved with my accounts. I finally did receive a cashier 's check that morning. I immediately went to the XXXX XXXX XXXX and met with XXXX, my Mother 's personal banker. I told him of the serious matter with the XXXX XXXX XXXX, and I wanted to open accounts in his Branch. I also told him that I wanted serious security alerts in place so nobody from the XXXX XXXX XXXX could access my new accounts. Bottom line, for almost three more years serious identity theft and fraud took place causing me utter chaos. Because of this serious matter numerous items of derogatory information was reported on my three credit reports. I have spent the past several years trying to resolve these issues with all three credit bureaus with no luck whatsoever. Because of the extreme sophistication that the employees from XXXX XXXX used, the credit bureaus don't believe my explanation. As a good example, recently when viewing my credit reports, I discovered something very strange. Three recent collections reports all dated in XXXX of this year. That absolutely doesn't make any sense.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : XXXX : XXXX MOUNTAIN XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX ( Original creditor : SXXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX : XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX, XXXX XXXX XXXX : {$210.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00}. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
Product: Credit card or prepaid card

Hi there, I bought two {$500.00} Visa gift cards in XXXX in XXXX XXXX CA on XX/XX/XXXX and XX/XX/XXXX. Both of two cards had a {$490.00} unauthorized charges which were made a few days later on XX/XX/XXXX and XX/XX/XXXX in XXXX XXXX chain in XXXX California. 
They were very suspicious transactions and the physical cards were never out of my house after I bought them. Blackhawk Network didn't review these charges and they still approved them. Blackhawk Network didn't notice me about these transactions at all. And they never sent me monthly statements so I don't know that until I was failed to use them to pay some bills with these cards on XX/XX/XXXX. 
I called Blackhawk Network on XX/XX/XXXX to report these gift card scams. As the result, they said they can't give me any refunds. This is obviously a serious security breach in their security system. And they didn't alert cardholder to these two very suspicious transactions. It is absolutely Blackhawk Network 's responsibility to protect the security of the cardholder 's funds, but they rejected my unauthorized transactions dispute application with a filing deadline exceeding 60 days. In fact, I would never know these transactions before I tried to use them on XX/XX/XXXX. 
Under the impact of the epidemic, I really need this {$1000.00} to support my family and children. Blackhawk Network did not sympathize with my situation and refused to return what should have been my money. I hope CFPB can help me out of this dilemma. 
Thanks and best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written numerous letters to Experian on the following dates below requesting Experian to validate this information with the XXXX XXXX XXXX Federal Court and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 

I am formally requesting that this information be immediately deleted from the credit file that Experian maintains under my Social Security number. 

Per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and I am keeping careful record of your actions, including Experian Method of Verification. I do not consent to XXXX or any means of automated verification. 

I continuously receive correspondence from Experian still reporting Bankruptcy # XXXX in the amount of {$0.00} dated XX/XX/XXXX stating that it has been verified through XXXX XXXX. 

However, I have a security freeze on my XXXX report. In addition, the courts do not provide information to the credit reporting agencies or bureaus. 

So my question is how is Experian is verifying information from XXXX XXXX when I have a security freeze on my XXXX XXXX report? 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

Upon reviewing my credit card statement with Chase Bank, I noticed two charges of {$700.00} from the same vendor. One charge was legitimate, but the other was not. After months of discussions with the vendor, the vendor agreed to issue a refund for the duplicate charge, but as of XX/XX/year>, I have not received it. 

I filed a dispute case with Chase Bank on XX/XX/year>. On XX/XX/year>, I received an email requesting additional information, which I have collected. However, before I could submit the supporting documents, Chase closed the dispute, claiming it was resolved. The issue remains unresolved.

I called Chase Bank, but the support specialist couldnt explain why the dispute was closed early or why it wasnt resolved. I requested to escalate the issue, but was denied. They offered a callback within a week, but no date or time was given. As of XX/XX/year>, I am still waiting for a response on the status of my dispute and resolution from Chase regarding the duplicative charge on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not do their due diligence with investigating these erroneous errors on my consumer report. I have sent several disputes regarding inaccurate and incomplete information reporting, demanding that these challenged items be permanently removed. Equifax is unlawfully publishing inaccurate information and I am being punished due to their negligence. I have attached current proof as of XX/XX/2022 showing XXXX reporting XXXX late payments on XXXX  XXXX XXXX account # XXXX and Equifax reporting XXXX late payments on XXXX  XXXX XXXX  XXXX  account # XXXX. How could this be considered accurate and fair? Equifax verified inaccurate information as accurate causing me to suffer tremendously! The vital role that Equifax assumed should strive to be more responsible with dealing with the consumer and public confidence. This has effected my life drastically as I am trying to purchase a home for my family and I and these road blocks have stopped me. Equifax 's failure to remove these erroneous items have caused me extreme stress and anxiety. My privacy has been invaded due to Equifax 's continued act of publishing inaccurate information on my consumer report and me being continuously denied due to inaccurate information reporting on consumer report.
Product: Debt collection

The account is more than 7 years old from a lease that expired/terminated in XXXX of 2014 from ex-wife and my name was to be removed from lease contract upon expiration of same. Per Fair Debt Collection Act the account should no longer be valid and/or in collection. Account lease terminated XX/XX/2014 however I keep getting collection statements from Hunter Warfield
Product: Credit reporting

I have a tax lien reporting on my Transunion credit file due to having unpaid taxes i had to pay to the state of Georgia. Around XX/XX/XXXX, I had received a letter from the state of Georgia saying that I owed at that time, {$810.00} to the state due to taxes that I filed back in XX/XX/XXXX. After receiving this notice, I immediately contacted Georgia Department of Revenue to get this taken care of which I did. I made payments over a period of about 10 months which totaled {$810.00}. I made these payments hoping nothing bad would come out of this and everything would be ok after its paid off. Well, I went to go try to finance a car and the dealer immediately turned me away due to having a tax lien on my credit report. At that time, I did not know what a tax lien was or how it even got on my credit file until I found out that it came from not paying my state taxes. As soon as I found out where it came from, I took aggressive action in trying to remove this from my credit file by disputing this with Transunion. Even with paperwork that i have showing that it was released in XX/XX/XXXX, they refuse to remove this and tell me that it is reporting accurately and will remain on my credit file. I just dont understand why after something I have paid in full, and something that does n't even pertain to them, why they just do n't remove it after years of it being on my credit file and being paid. Its not hurting Transunion! It 's hurting ME! Its literally keeping me from obtaining credit at many places. I am begging you, PLEASE ... PLEASE help me! I am trying to and wanting a better future for my family and I and this is really hurting it right now. Thank you so much for allowing me to write and submit this letter to you. I hope you will understand and see why I want this removed. Thank you again.
Product: Credit card or prepaid card

On XX/XX/2016 XXXX XXXX sold off my financial contract with them to a company called " The Bureaus ''. I am not contractually obligated to pay the bureaus, only XXXX XXXX. Due to them selling the debt to the bureaus I am no long attached to that debt. I have called the bureaus, they have flat out refused to remove the debt. I have filed multiple complaints through XXXX  and XXXX  to no avail. I am seemingly being held economic hostage, without any ability to use credit. Even unable to apply for a XXXX $ secure line of credit.
Product: Checking or savings account

Amex had an offer for opening the savings account, depositing {$25000.00}, to receive {$350.00} bonus after keeping money there for 90 days. I opened the account end of XX/XX/XXXX, but could not promptly deposit the {$25000.00} because the number of the account was not generated and the paperwork with the account was not sent to me for a while. I could also not link any external account to Amex savings due to some glitch issues in their system and new account opening being serviced/processed. 

The first day on which I could deposit the {$25000.00} was XX/XX/XXXX. I called Amex when I had a problem with depositing money upon opening the account, and the personal representative said I will still be eligible for the bonus so long as I deposit within 60 days. Unfortunately, no bonus was received by me at any time, and when I called back in XX/XX/XXXX, Amex said I had to deposit money immediately upon opening to get the bonus. This is not what I was told by the personal representative, and this was impossible based on the Amex system generating the new account and not providing options for deposit. 

Thus, I request the {$350.00} bonus per promotion.