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

Re : Request for Blocking and Deletion of Fraudulent Account and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I placed an order with XXXX  XXXX on XXXX XXXX for two dresses to attend a XXXX XXXX ball on XX/XX/2020. I paid for the dresses through my paypal line of credit. Well I have emailed and called and emailed and called the XXXX  XXXX company and have not gotten a answer or update on my order. So being that I needed the dress by XX/XX/XXXX and it does not look like its coming, I filed a dispute with paypal ( whom i paid for the items through ). All paypal did was tell me they have reached out to the company and Have not got a response from them.. I have read reviews on The XXXX XXXX company and many buyers are saying that experienced the same thing that I am experiencing and some even said they never got there order and the company nor paypal will give them their money back. I can not understand why paypal will be letting this company use them and they are a fraud.
Product: Mortgage

In both of my previous complaints ( XXXX, XXXX ), AmeriSave promised to refund the {$500.00} application fee to my credit card. The first time, they claimed they had an internal glitch that prevented the refund to go through. The second time, I am still not seeing the refund to my credit card. 

I am requesting that AmeriSave to send me a check for {$500.00} to my mailing address to avoid further delay and credit card refund issues.
Product: Debt collection

Im not sure why Im getting this letter, I dont have an account with this company. Im a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 {$0.00}, XXXX XXXX Balance {$190.00}, XXXX XXXX  XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I have contacted all three Credit bureaus, XXXX, XXXX, Experian to update and correct my personal information : My correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I have never lived at : Remove these addresses XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Checking or savings account

On XX/XX/2024, I noticed an unauthorized ACH on one of my checking accounts with Chase Bank on XX/XX/2024. This account is one that I rarely use. It was established for my XXXX XXXX income to be deposited in and I paid myself out of it. I have not sold XXXX XXXX in a couple of years, so it has been used very little. So, I do NOT give out the information for the account as there is NO reason to. The account ends in XXXX and the XXXX was signed by a XXXX or XXXX XXXX ( information from the bank ) and the transfer went to a XXXX XXXX Credit Card. 

I tried to call Chase 's XXXX # and they told me I had to fill out a fraud form. They advised that they would send it to me in XXXX business days, and I had up until the XXXX day from the date of the call to get the form back to them or they would not be able to help me. To date it has NEVER come to me. 

Concerned that that would be the case, I immediately went to the local branch where I refused to leave until I was given the form to sign. The Branch Vice President was able to print it after several hours of calls, and she told me she had personally faxed it to the fraud department and I had nothing to worry about. I reached out to the branch on XX/XX/2024 for an update. The called me and advised they had requested the Escalation Department look into the delay. 

Today I received a call from the bank XXXXs Escalation Department saying they couldn't help me because I had never sent back the form. Lie! I was told repeatedly that the person working my case via the Escalation Department was going on vacation next week which I found totally irrelevant to my case. So, again, I went to the local branch. The Vice President reiterated that she had sent the form and resent it 3 times again today. She contacted the fraud department who repeatedly said they did not get it. I asked her to get a manager on the phone. We were connected to " XXXX '' who asked me what I wanted. I told him I wanted my money back. He went on to saying " I '' had never sent back the form. I told him that was a ABSOLUTE LIE and proceeded to tell him what had happened and his response was " EXACTLY WHO DO YOU THINK YOU ARE? '' I still do not have my money. AND all this occurred almost 2 months from the day I had called the local branch asking if I should be worried about my money or if there was anything " I '' could do to keep it safer given all the XXXX crime. I was told Chase had some of the BEST security and I had nothing to worry about.
Product: Mortgage

Statement filed with BBB and Roundpoint mortgage on XXXX/XXXX/XXXX : I acquired a mortgage on XXXX/XXXX/XXXX and began making bi-monthly payments of {$320.00} beginning XXXX/XXXX/XXXX. the first payment was not due until XXXX/XXXX/XXXX, so I should have been saving some interest as well as having about {$100.00} additional applied to my principal. 

Come to find out, they have this set up so that I can not save on interest. Money is being put into escrow. additionally, funds received prior to the first of the month are not being applied to the intended month at all. there is no way for me to get ahead the way that they have this set up. 

I called today to have my due date changed to the end of the month so that I can make my payment early in the month and save on interest, as well as not worry about late fees when using direct deposit. I get paid on the XXXX and the XXXX so if I do bi- monthly payments, I will never be on time the way that they have their system in place, even if I am paying ahead. If my due date is toward the end of the month, say the XXXX, we will have no problems. 

I will appreciate any assistance in clearing this up. All I want to do is make my mortgage payment and save a little interest the way I was told I would be able to do so. 

I was told today that I would have to refinance to change the due date, this seems like a crooked statement to me and I will not accept that. I will not hand over thousands of dollars to refinance a mortgage just to change a date on the papers. 

Thanks, XXXX XXXX Since filing my complaint, I have continued to make my payments as I have. I received a payment coupon mailed on XXXX that stated my outstanding principal was {$75000.00}. I received another mailed on XXXX, my outstanding principal is now {$75000.00}. How does my principal go up {$410.00} in 4 days when I have been paying extra toward my mortgage from the beginning? I get no answers from Roundpoint. I was on hold for 45minutes earlier today.
Product: Credit reporting

I still have not heard anything back from this credit bureau. This is my 3rd complaint and i 've sent a total of 3 disputes as well with everything requried by identitytheft.gov and the ftc. The attachment has my ID theft report. Thank you so much for helping me.
Product: Credit card

I opened a sears card last month while in a Sears store shopping because by opening the card I could get a percentage off my purchase. I called Sears two weeks later to find out how I could pay off the card. They would not give me any information unless they could verify my ssn. I explained that I do n't use my ssn for verification. I asked them if they could verify something else. They said no. I went into a Sears store to pay my card off about a week later. I called two days later and requested to cancel my card. They would not continue the call with me unless I verified my ssn. I said I am not asking you for information on the account I just want to close it. I was transferred to fraud who took me through verification. I asked how do I close my card and she said we need your ssn first. I asked her if there was another way to close the account she said no. I refused to give her my ssn just to close the account. The call escalated and she hung up on me. I believe the ignorant lady 's name was XXXX. If I would have known that the ssn was a prerequisite for getting any business done on this card I never would have opened it.
Product: Checking or savings account

Why the XXXX is the US bank branch in my town closed during the week? My husband went today on his way to work to get money out of the ATM and the ATM was not on. Went to go into the bank and sign said branch is temporarily closed. XXXX!! This is constantly the case at this branch. Called US bank customer service and they know nothing about it. Was surprised that the branch was closed. When we cant access our own money, this is a serious problem. I will not stand for it. I also called corporate ( US Bank ) and apparently no one is working there either because no one answered the phone. If US Bank doesnt give a XXXX about there customers, then we will go somewhere else. Not only that, the hours that they are open XXXX! They close at XXXX and they arent even open on XXXX anymore. XXXX  XXXX XXXX  has branches that are open till XXXX XXXX. US Bank, I suggest you start paying attention to what your branches are doing, or rather, not doing. And I dont want to hear the excuse that theyre closed because of Covid. Thats XXXX.
Product: Credit reporting or other personal consumer reports

After examining my recent personal credit report, I found that the erroneous items are still present. This indicates a compromise of my credit under your supervision. Despite submitting FTC report # XXXX, these issues remain unresolved. This is my another complaint report that I was the victim of faulty credit reporting. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was 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 information relating to any transaction by the consumer. I demand the immediate deletion of the incorrect credit report information listed below. This complaint addresses several mistaken credit reporting details on my credit report, with SIX ( 6 ) ITEMS still present. Enclosed is my new FTC report, number XXXX, for your reference : 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 -- -- -- -- -EQUIFAX XXXX XXXX XX/XX/XXXX. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bear my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. If you choose to ignore my request to remove these items I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a faulty credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX card from 2017 that was paid off in full. But it still shows as a negative item on my credit report. The account is paid and closed as agreed and i would like the item removed off of my credit report. The account has been settled
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a final payment for {$8600.00} was sent to the Santander Consumer USA, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on my account.
Product: Debt collection

On XXXX XXXX, " XXXX XXXX '' called my wife 's phone from a disguised number which later would n't work when I attempted to call back to verify my complaint was being handled at that company which I believe is against the law to spoof numbers ( XXXX ) at XXXX and started to try to collect a debt for an XXXX bill I 've disputed several times as identity theft and never told me my mini miranda rights until several minutes into the call. After I advised him this was under dispute for identity theft he still tried to collect the debt by insisting on giving me the alleged balance due. I was n't disputing the balance, but rather the debt itself. I then asked for a manager and got " XXXX XXXX ''. He refused to acknowledge the bad training and the illegal contact and was determined to justify his rep trying to collect the debt after being told of the dispute. I asked several times for his manager ( 5 times ) before he placed me on a long hold for his manager " XXXX XXXX ''. XXXX XXXX did n't mini miranda me, but his manager XXXX XXXX did. This company made this experience very frustrating and extended as the call took dozens of minutes, disrupting my whole night with my family. XXXX XXXX XXXX was aware of my identity theft claim, but rather than work with me, they keep working to have new agencies collect this fraudulent debt.
Product: Credit card or prepaid card

Synchrony Bank closed my account without notification and the reasons that they used to close my account would generally apply to someone opening a new line of credit. They claimed that because my debt was high on my other cards and a lack of first mortgage information was the reasons for closing my account. I had not used the card in several months due to the fact that the closest store where the card could be used is in Delaware and I live 2 hours+ XXXX of that location in XXXX. I asked them to reopen the account and they said that I could reapply for a new account, but they can't reopen my old account, which had a {$3500.00} credit limit. They also claimed that they were not in control of the decision to close the account and that it was due to the XXXX credit report they received and the score they used was 4 months old in XXXX. During that time, I was in the process of purchasing a home, which is why the debts on my other cards are significant. If this is going to negatively affect my credit score, then they have impacted not only a financial future, but also my credit utilization rate and everything else associated with it. I am also still recovering from filing a bankruptcy 4 years ago and having another negative mark like this is not going to help matters. The only notification I received was on XX/XX/23 telling me that the account had been closed on XX/XX/23.
Product: Checking or savings account

On XX/XX/2021, I googled how to get my LLC through the IRS for a company I created. A site popped up saying it was the irs with very similar credentials. I knew obtaining a LLC cost so the {$240.00} I paid I assumed was for my LLC. Instead, it was for an EIN that I know the IRS does for free and does not charge. Immediately after I receive the email I contacted Chase on XX/XX/2021 about the charges from this fraudulent company that came off as the IRS. I explained that I was trying to obtain my LLC and during the application process that is what I checked. They sent an email saying they requested an EIN from the IRS when I didnt need an EIN, I wanted to obtain my LLC for the business. Obtaining an EIN is free and IRS said be aware of companies pretending to the them. Chase immediately temporarily reversed the funds and then on XX/XX/2021 I noticed the charge was reversed again charging me for this service and pending in my account putting me in the negative.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and would like the the listed information to be removed from my account. XXXX, XXXX and Transunion did not conduct a proper investigation. I have taken the proper steps to have this inaccurate information removed from my credit report. Thank you
Product: Student loan

Wife and I consolidated Parent-Plus loans and other student loans for my wife into one loan. We subsequently were told we could take an " income sensitive '' adjustment. We were not aware that the interest kept compounding during the deferment period. The end result is we 've been paying on a $ XXXX loan and have paid nearly twice that amount so far ( $ XXXX ) and yet we still face a $ XXXX balance. Essentially, we have paid for the loan two times over. Also, the interest rate at the time of consolidation was 9 % and they wo n't adjust it at all when I inquired.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXK XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX
Product: Credit card

I requested for Chase to review I did not open this credit card. I did not have good enough credit score to even get approved for an {$11000.00} credit card. I file a fraud report showing I did not open this credit card. I asked for this card to removed from my credit report that I did not open this credit card. I don't even know who this account was opened online in person. I want some one to reach out to me about this matter. Doing this time I was hacked an have other accounts opened without my knowledge. The keep sending me settlement offers I feel I should not be responsible for this fraud account and want to get this resolved ASAP
Product: Debt collection

XX/XX/2020 XXXX XXXX TOOK ME TO XXXX XXXX I GAVE MY XXXX AND PITCURE ID TO SEND BILL TO MY INSURANCE, 2 OUR OF 3 BILLS GOT SENT by XXXX XXXX AND GOT PAID THE THIRD GOT SENT TO ME FOR {$360.00}, the hospital didnt know where to send bill to i didn't have an address at the time is the reason this is gone so long without any attention, I should have not gotten this bill in the first place., XX/XX/2020 called XXXX explained the delema XXXX called XXXX XXXX paid the bill i love XXXX XXXX. here is the hard part this bill that wasnt suppose to get to me it did and my credit report is now DAMAGED! i applied on 3 different days for a home loan i was DENIED! DENIED! DENIED! i HAVE TO WAIT 4 MORE DAYS UNTIL THE AGENCY XXXX XXXX XXXX COME BACK FROM VACATION.! I HAVE SO STRESSED OUT AND XXXX.Im upset i didnt get my home loan : ( : ( : (
Product: Checking or savings account

On XX/XX/2022, an amount of {$3000.00} was deducted from XXXX XXXX XXXXXXXX XXXX XXXX and ACH through Chase Bank. I have filed a compalint to our bank XXXX XXXXk and also file XXXX Police and the Report Number : XXXX. 

XXXXXXXX XXXX has requested Chase Bank to return the funds since this is a fraudulent and unauthorized activity Chase refused to return the funds. 

Chase stated since this was CCD ACH, our bank needs to report within 24 hours of the fraud, and as a consumer or even some bankers would have no clue about different forms of ACH. 

Thank you.
Product: Credit reporting

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit repot. --
Product: Bank account or service

I had CDs on the other ( outside ) side of the bank ( XXXX ) that paid a better interest rate with a custodian ( Cetera ), whereby they opened and moved those assets to Raymond James Financial that I did n't request, The service was inappropriate, was stated soon to be a floor of {$500000.00}, and that a transfer fee to an existing other ( TDA ) account would be " waived ''. The account annual fees were substantially higher, and the transfer fee was not waived, I was lied to, feel that the entire process was an act of fee engorgement and account churn for the institution, and not the client.
Product: Credit reporting or other personal consumer reports

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

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following accounts : 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 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.