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

I reported on XX/XX/2022 to the Federal Trade Commission that my Identity was stolen by someone who opened a XXXX XXXX Checking Account and a XXXX credit card for {$1000.00}. I did NOT open either of those accounts and I was informed they were both opened on-line. My email was also used ; and that is how I learned about the Identity Theft with XXXX XXXX. I learned of the fraudulently opened XXXX account when XXXX sent me a letter demanding payment. I believed it was a scam at first ; when a second letter came, I reported to the FTC Identity Theft. On XX/XX/2022, with the help of the FTC, I changed passwords on all accounts, changed my email address, reported FRAUD to all three credit rating bureaus, placed FREEZE alerts on all three credit reporting agencies, sent a letter composed to XXXX and XXXX XXXX  to inform them of IDENITY THEFT and I contacted via telephone the involved companies as well. To this date, Transunion has REFUSED to remove the fraudulent account, it is now posted on my credit rating as being months behind, and my credit rating has dropped about XXXX  points, from high XXXX to XXXX. I have contacted TRANSUNION multiple times, have called them, and sent them every report they requested : the FTC report, the XXXX XXXXXXXX Police filing report ( case number ), and the information of the XXXX credit card that is Identity Theft. I have minimal credit cards, and they are ALWAYS PAID ON TIME. I have a mortgage that is NEVER LATE. That payment is well above the amount of the fraudulent XXXX credit card. I received a new letter from Transunion on XX/XX/2022, and again, they are refusing to remove the fraudulent XXXX account and my credit rating is negativity impacted MONTHLY. I was informed by XXXX that they are aware the credit card was opened fraudulently and through Identity Theft and I was told they would tell Transunion that, as Transunion informed me they were contacting XXXX to investigate. Yet, Transunion is refusing to remove the fraudulent account. I called the Federal Trade Commission again, today, XX/XX/XXXX, to report the letter from Transunion of XX/XX/XXXX and I was informed to contact the Consumer Financial Protection Bureau now.
Product: Checking or savings account

I contacted my Bank ( Huntington Bank ) on XX/XX/2021 about fraudulent/unauthorized charges amounting to {$520.00} in charges, and an additional {$610.00} in overdraft fees resulting from the fraudulent/unauthorized charges. I was told I would receive provisional credit until they investigated and came to a conclusion and that I would be notified of the result. I received XXXX in provisional credits and {$610.00} in overdraft fee refunds ( not listed as provisional ). On XX/XX/2021, {$210.00} in overdraft fees were reversed without notice. Due to the reversals, and incomplete refund for unauthorized charges my account was overdrafted again. The overdraft and NSF fees amounted to an additional {$360.00}. I have yet to receive any written correspondence about the reversal of the overdraft refunds, and the remaining amount of the unauthorized charges.
Product: Credit card or prepaid card

Charging late fee unnecessarily Since Hurricane Harvey, I've asked for assistance from XXXXXXXX XXXX. This company is very difficult for their consumers to feel valued. First, they would say they're helping and charge late fee after talking to them. I've made my payments for XX/XX/XXXX and XX/XX/XXXX but it does not say the customer should make the payment in Eastern Time Zone. I live in the Central Time zone and make my payments according that time. Now I'm told after all the years having the account the should be made no later XXXXEST. Without knowing this information, my payment for XXXX and XXXX were considered late so they charged me XXXX late fee. I have been trying to pay this account but they are fees to make harder for me to do that. On XX/XX/XXXX, I called to have the late fees credited but was told they could not because they waived fee in the 12 month period. 
They are referring to an issue they made and had to correct it along with some interest. They should should not be penalizing me for their error and method of correcting it. I've had so many issue with this XXXX 's account and with huge Language Barrier. Most of the time I do not understand what the outsource agents are saying.
Product: Money transfer, virtual currency, or money service

The company requested my bank to file a dispute with XXXX XXXXXXXX XXXX, however my bank has already filed a complaint and tried to get funds back in XX/XX/2023. Capitol one denied their request and my bank is not able to file another dispute. I have attached both letters response. One from my bank and another from Capitol One
Product: Checking or savings account

Bank of America accepted and held funds from the IRS and claimed they were stolen ( Bank of America said the check ( s ) was a fake ) The IRS confirmed the funds were transferred over to the accounts and have not been flagged or sent back meaning the checks cleared Bank of America did receive funds in full from the IRS once the deadline for the hold pasted they froze the account and refused to speak with me and later after three months closed the account and refused to refund the funds to me or the IRS citing that they do not cash third party checks but even with that policy they were supposed to return the funds per their policy. Basically, Bank of America took a total of {$57000.00} which was from both the checking and savings combined each account was credited such as follows the checking 's total was {$28000.00} and the savings was {$29000.00} and Boldy stated that they can legally do so. There is not and never has been any court orders or judgments that they had orders for to take such action and even the IRS stated the funds were issued correctly and funds were disbursed to them without any holds or issues. I have even voluntary provided documentation that it wasn't a third part check ( s ) but the Bak refused to return the money even went so far to report me to the XXXX XXXX for using fake checks which was a lie. Bank of America Closed the account in XX/XX/ stating they were going to send a certified check Never did I receive one upon calling back to Bank of America I was told that no funds will be returned that I can not bank with ever again and the funds will be kept by the bank indefinitely. From the month of XXXX XXXX XXXX XXXX  I visited several branches in person all had no way of helping me other than telling me to call the XXXX number where they wouldn't answer simple questions about the account but instead locked me out XXXX  online access and told even more lies.
Product: Mortgage

i am excemted on paying property taxes in my county. due to the terms of my mortgage my mortgage payments were going to jump from XXXX a month to over 3000.00 a month. i am on a fixed income. i can not afford that amount. i applied for a loan modification which was granted shortly after my application was submitted with all necessary documents such as verification of income proof of residency and verification/confirmation that i do not in fact pay for property taxes. my hoemowner insurance is XXXX a year which should come to be XXXX dlls a month. when given the terms of the modification i was given a breakdown of the payment which is as follows. trial modification amount of XXXX principal & interest of XXXX escrow ( taxes and insurance ) XXXX i should only be paying XXXX a month for my escrow. when i called the lender to discuss the matterthey resuse to correct the problem and adjust the escrow to what it should be. i sent them the documents confirming i do not pay for property taxes numerous times and they never seem to have the document in file. i need authority to help me have the lender re analize the documents and pressure them to adjust my mortgage payment. they are wanting and trying to steal from me. thank you
Product: Debt collection

My car was totaled and I still owed a balance on my auto loan. The loan did become past due as we waited for the insurance payments from primary insurance, warranties and gap insurance. After it was past due for a bit I stopped getting statements, and did often make payments over the phone. I never received any statement of my payment showing the amount I paid down. I never understood my balance as I was told there was no longer interest on the loan. So why when I made a payment did the balance not go down that same amount. I asked for statements, but they never came. I was also told on the phone the debt would never be charged off and it still was with a balance of {$240.00}. I understood the balance was paid, but it was not. However I would never have know as I never received any statements.
Product: Checking or savings account

My account has been placed on a limitation since XX/XX/XXXX. And wasn't the 1st time such. I submitted the same documentation as last time and they were able to lift the restrictions. However when the 2nd one came, i provided even more proof than the last time, and this time they permanently restricted me with no notice, no email, just logged in and i was unable to use features. I sent proof again to appeals and they denied me, no reason why. Even after i provided proof of my transactions the 1st time.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report that was provided by your agency. I have reviewed my credit report and found the following information that I believe is incorrect : Avant charge off {$680.00} XXXX XXXX profit loss {$300.00} Self XXXX late {$82.00} XXXX XXXX late {$0.00} XXXX charge off {$2100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX Auto current XXXX day late {$22000.00} XXXX  charge off paid profit loss $ XXXX listed as current and closed on the other credit reporting companies Dispute Department- 15 U.S. $ 1681c-2 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, not later than XXXX business days after the date of the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately. These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft.Under Section 1681 ( G ) and 15 U.S. Code 1666b - Timing of payments.Please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. I respectfully request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with an updated report once the dispute has been resolved.

As a consumer, I am demanding the deletion of the accounts below. Please remove all inquiries which I did not authorize or give consent : Hard inquiries please remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX For your reference, I have attached the following documents to support my dispute : I understand that the FCRA mandates that credit reporting agencies complete investigations within 30 days and provide me with the results of their findings. Please inform me of the resolution at your earliest convenience. 
Thank you for your prompt attention to this XXXX, XXXX XXXX
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. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XX/XX/XXXX XX/XX/XXXXAccount Name :XX/XX/XXXX Account Name : XXXXXX/XX/XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XXXX XXXXXX/XX/XXXX# XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

After a major robbery and idenitity theft issue USAA BANK decided to hurt our lives more and keep all our money in our savings account and committ a huge embezzlement and fraud issue. USAA BANK has committed several upon several banking and credit card and bad faith insurance issues and XXXX our lives and destroyed my career and laughed at me and said to bad your not military and that you are XXXX to me. They were very mean. Before this my life was going so well. They XXXX me. I have nothing left and can not get my life together cause as of today they still are hurting my life. They stole over {$15000.00} from savings account and well over {$12000.00} in checking, refused to pay out over {$75000.00} promised in other issues that caused well over {$150000.00} more out of our pockets, made me spend over 20 hours for 4 years to do paperwork then to only laugh and say we are not paying you. CEO XXXX told me he did not care about me or my life. Very scary stuff.
Product: Debt collection

in my XXXX  report it says I opened a XXXX account on XXXX XXXX at that time I was an account holder with XXXX then later switched to XXXX. This XXXX  account has absolutely nothing to do with me. somebody clearly used my SSC or whatever to get an account. FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOUND SOME UNAUTHORIZED INQUIRIES ON MY CREDIT FILE, I NEED THEM REMOVED.
Product: Debt collection

I was notified by XXXX, XXXX XXXX XXXX, a collection agency for XXXX for with a letter dated XXXX that I owed XXXX a debt of $ XXXX rejected the claim as I do not have a XXXX account XXXX 

XXXX responded by letter dated XXXX that it was a valid account and enclosed invoices I have never before seen. My current phone number is with XXXX fi on a XXXX XXXX I purchased directly from XXXX. The XXXX invoices were for an iphone I purchased at XXXX XX/XX/XXXX and promptly returned XX/XX/XXXX. I promptly called XXXX and they wouldn't look into it unless I was willing to pay some amount. I said I would call XXXX directly. When I called XXXX, they, XXXX, patched me to the collection agency and I couldn't even ask what these charges were for OR why I never received any notice of these charges despite XXXX knowing my SSN, email, home address, phone number and maybe my XXXX membership number! I can not access my supposed XXXX account either by phone or website. The invoices were dated back to the XXXX purchase XX/XX/XXXX and had since accrued fees and penalties. The XXXX invoice was for {$670.00} XX/XX/2022 and XXXX credited me {$670.00} XX/XX/2022 My XXXX XXXX in XXXX, according to a printout from XXXX received XXXX 2022 was {$730.00} for an unpaid balance of {$130.00}, account charges of {$650.00}, my old phone number {$29.00} and the retuned XXXX number {$87.00} and the balance of {$130.00} representing interest, fees and costs. 

In XXXX my credit score was XXXX and in XXXX it was XXXX. I had no idea why. In 2022 my high XXXX XXXX was XXXX and my low until XXXX was XXXX. My current score is XXXX for XX/XX/2022. I am retired with 5 accounts- 3 credit cards a mortgage and 2nd. mortgage. I pay my credit cards in full each month. 

I have submitted reprinted receipts from XXXX to XXXX 's collection agency along with their letters to me. I feel a person should be able to talk with the company ruining their credit with false information before having to fight with a collection agency. A person should be innocent until proven guilty. And a word about Credit Score agencies. They are providing consumer 's creditors with credit information and their fiduciary responsibility is to the creditor since they have to pay for credit reports. They then want to charge consumer 's to protect and indeed provide their credit score information. This is a clear conflict of interest! XXXX.
Product: Checking or savings account

Bank of America close my business account and my saving business account without any warning don't know what happened I think it's some kind of discrimination because I'm a XXXX on small business in XXXX Florida I contact them and they can give me any reason or any excuse why they close my account I've been with Bank of America for about 20 years on my personal account and since XXXX  in the business account like I say I think it's discrimination
Product: Debt collection

Reported  XXXX   XXXX  to collections after already sending my apartment complex a check for the exact amount. I still have to check stub to proof I sent it. I got a call from   XXXX   XXXX    at   XXXX   XXXX   saying that it had already been paid by  XXXX   XXXX  and that they were going to distroy my check. I approved that and they said everything was complete and paid for!     Forward to abou t 6-7month  later when I received a message from a collection agency about an unpaid cleaning deposit. I stated that it had already been paid by  XXXX   XXXX  whom was responsible for the portion as stated on our move out conditions and terms and that I was in no way going to pay It. They stopped contacting me.     Now since  XXXX    XXXX   I get repeated calls early morning from the same number saying the same thing.     What is my next step to get this removed?
Product: Checking or savings account

On   XXXX     Th e Chase Fraud  team contacted me via email to advise there was a known fraud company had attempted to charge my card  XXXX  and the same day another  XXXX  was declined on my card. Thus due to the email I called in to advise I had not bought anything from that company and it had been a pop up ad i had closed out.     On   XXXX   anothe r Chase Fraud Alert  had advised me that a charge for  XXXX  from this know fraud company had been approved and the same day a second charge from the same company was attempting payment for  XXXX , where again I had called the Fraud department and again was disputing these charges. where the Fraud team recommended that I cancel my card and have new ones issued to stop the fraud charges, I also needed to contact the merchant for which I did with the numbers provided by  Chase Fraud  Department the same day.     On   XXXX   I again called The Fraud team to advise that merchant was contacted and they were canceling and refunding and received a claim number to watch my account.   on  X/XX/17    The Fraud protection Team issued a temporary credit in the amount of  XXXX  while Chase reviewed what information they had and I was not asked to provide my emails during these investigations.     On  X/X/2017    I finally received notice from the merchant via email that my Order from them was cancelled, for which the company had now waite d two   full months after initial contact to cancel due to not receiving  merchandise nor agreeing to the purchase.     On   XXXX     Chase reversed the credit of  XXXX  siding with this company based on information from the company. The same company they had first contacted me about as being a fraud. With this they over drafted my account and never once asked for any information or documentation i had proving this company was scamming individuals all over the country as they had first alerted me to in the beginning. Furthermore, Chase failed to inform me before they removed the money from my account.     Also, Chase has conflicting and multiple claim numbers for this same dispute, with  XXXX  on  XXXX   XXXX  being  XXXX  and on  XXXX   XXXX  my account does n't reflect that case number.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN will not provide itemized detail to damages done. Trying to charge me a deep cleaning fee for a worn stove that was already worn ( it is not damaged ) as well as {$82.00} for a single bent blind! 

Over {$100.00} for two items that I am not responsible for is insanity. They can not provide me itemized detail as to what backs up the charges so I know they are trying to squeeze a few bucks out of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir. I, XXXX XXXX lived in USA upto XXXX XX/XX/2019 and operate a Bank of America checking account ending XXXX and Bank of America cash rewards ending XXXX. On XXXX XX/XX/2019 the day I left USA and after that I tried many times to get closed my both accounts but couldnt not make it due longer wait time at customer service help line. After arriving XXXX I found disputed/ wrong translation on each of my cards. I pointed these through mobile banking but yet didnt receive any response. Due these reasons my credit history is getting adverse/ lower. Please help in this regard.
Product: Credit reporting or other personal consumer reports

Experian starts this week like they started and FINNISHED last week WITH ANOTHER LIE but that's expected from this fraudulent crooked company. You can never view the disputes
Product: Mortgage

A Qualified Written Request was sent to the loan management company, pursuant to the Real Estate Settlement and Procedures Act, Section 2605 ( e ), via USPS certified mail, on XX/XX/2022. This request has not been responded to so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX, a dispute was submitted to Experian indicating that there were inaccuracies in the manner in which an account was reporting on my report. Experian adjust the balance to {$0.00}, which was accurate but also extended the date for which the account would remain active on my credit report from XXXX ( which was also inaccurate as account was closed in XXXX and should only remain on report until XXXX ) to XXXX. This made the account appear as if it reporting a foreclosure which is a more detrimental mark on credit than a deed in lieu. 

In late XXXX a second request to address inaccuracies in the manner in which the account is reporting was met with what can only be described as retaliatory action. Experian placed multiple months of no data reported to extend an account that closed in XXXX to be open until XXXX and then indicated that the deed was received by the creditor in XXXX of XXXX. Resulting in a drop to my credit score of XXXX points and remaining on my credit until XXXX of XXXX. This is an abuse of their access to my credit history. My account moved from in accuracies in status to blatantly inaccurate information. I requested that if the information could not be corrected ( length of time the account would remain on my report in turn correcting that status that the account is being report - deed in lieu not foreclosure ), that it be deleted. Instead the account now has gaps of unverifiable information and inaccurate that were placed there simply because I asked them to correct the information they are reporting.