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

On or around XXXX XXXX to XXXX XXXX several unauthorized transactions were made from unknown person ( s ) in various amounts from my Chase Bank 's account. The bank did not stop the suspicious transactions ( withdraw ) from my account which proves that the bank has inefficient security system. I became a victim because of banks weak security system. 
The bank initially accepted its fault, and deposited back the money into my account. I immediately withdrew the money after the bank deposited back the amount into my account because I feared that I might get victim again. 

Later, bank argued that it was not banks fault and demanded the money back which it has deposited to my account. The bank even took the amount from my account which I deposited into it. I have not authorized bank to do so. Bank unilaterally made a decision to make me pay the money which it had deposited into my account. The banks illegal and harassing act towards me has made me suffer a lot. 
The amount in controversy is {$9000.00} ( XXXX XXXX dollars ). 
On XXXX XXXX, I sent letters to : ( 1 ) Chase Bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH XXXX, and JP Morgan Chase Bank, N.A., XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXr , XXXX XXXX  , NY XXXX via certified mail services. I did not receive any responses from both aforementioned places.
Product: Credit reporting, credit repair services, or other personal consumer reports

my boyfriend went through credit acceptance ro get a car somehow my name ended up as cosigner it got reposessed it say on my credit i owe XXXX i called them they said i owe XXXX i asked why it was different they wouldnt answer me told me if i dont pay full amount of XXXX and that was it i really need thos off my credit and with them lying and not coorperating i will never get it off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and Inquiries that appear on my XXXX  Credit Report are either reported in error or are a mistake in identity. Please mail to me the proper contracts with my signature that authorizes these accounts to be reported on my report. XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, {$5000.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX, {$2700.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX  XXXX XXXX, {$1600.00}, Opened on XX/XX/XXXX. XXXX, {$5200.00}, Opened on XXXX XXXX, XXXX. Please remove the following name from my credit file, it is not my name nor alias - XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The following inquiries are fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, US DEPARTMENT OF EDU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance to the fair credit reporting act XXXX  account below has violated my rights 15 u.s.c 1681 section 602 A. States I have the rights to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$1400.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX NEGATIVE Balance {$6400.00} Updated on XX/XX/2022 COLONIAL AUTO FINANCE/ POTENTIALLY NEGATIVE Balance {$9300.00} Updated on XXXX
Product: Mortgage

I am writing this letter of hardship to explain my financial situation that caused me to fall behind on my mortgage. We have owned this home for 23 years and have always been responsible home owners but we never imagined the our financial and health would take a huge hit in 2020. We fell past due on our mortgage in XX/XX/2020 due to XXXX-XXXX, I am a correctional officer for the State of Ohio for the las 21 years and in XXXX we had a huge out break of XXXX hit our Prison, when this happen our full times shift got reduced to below half, all over time and special pay went away due to limited capacity of officers allowed in the prison to prevent the spread. In addition, I came in contact with XXXX and had to distance my self for 2 weeks without pay and was not able to go home due to my wife having a chronic illness Acute intermittent XXXX  which XXXX  XXXX would have killed my wife if she came in contact with the decease because of this I had to stay in a hotel away from my family which my work did not cover. With already my little income and huge reduction my net income took a huge hit and I fell past due with my mortgage, unfortunately. 

I am now back at work full time and have received my vaccine shot. Please help me get my mortgage back and current so I can keep a rook over my family 's head and save my piece of the American pie, my home. 

I have applied for a Loan Modification with SPS but they refuse to review my application, I have always submitted all items as they asked but each time they tell me they offered me a repayment plan which they never did but since they offered me this one time they are refusing to work with me. 

In addition the lender will not provide me with a denial letter or a single point of contact and are actively proceeding with foreclosure while I work with them for help. I feel they are more interested in my home than helping a Law Enforcement Officer and his family save their home from foreclosure.
Product: Money transfer, virtual currency, or money service

Someone at Western Union used my account and debit card without authorization. I was charged {$440.00} two times recently. I authorized one transaction to XXXX XXXX on XX/XX/30 for {$400.00} plus the service fee. 

There is an additional {$440.00} deducted from my account from western union under the title bill payment. Which I did not authorize. Please fix this issue as soon as possible because I need the funds. It is my sons birthday, and I need the {$440.00} you took out of my account without authorization.
Product: Credit card

Please see day of incident discovery i went online ( i don't use an online account... somebody else created a XXXX online account with my information ). 
The account is not dispute. 
It's the fact someone hacked my XXXX account, used my stolen information from my stolen wallet. They used my XXXX and created an online account. 
Purchases were resolved by Target. 
But the XXXX payments made XX/XX/XXXX and XXXX by the thief are not mine, {$4900.00} And not resolved. 
See attached discovery of CASH payments which Target still claim i made. My bank never paid out nor returned any {$4900.00} amounts. Someone else made these. Not me. 
See attached 'last balance {$4700.00} ' on XX/XX/2023. 

Their letters said different and contradictory information. One that my payment was returned. One that they made a mistake. 
But months later stating i made these and they were returned. Not true. 
Why can't CFPB justifiably question and investigate what happened to these XXXX payments. Where did it go? Isn't it a serious crime to steal company money? And For all i know maybe someone wanted to pay my account. 
Can CASH payments be returned?
Product: Debt collection

I recently had an old debt roughly 10 years old reappear on my credit report. The request for payment is not from the original debtors. I started a dispute with all 3 major credit bureaus and only XXXX deleted it. The debt was on my credit report years ago and was deleted once the ( I believe ) 7 year period had passed. I dont understand how it can be put back on my report. I received a letter dated XXXX XXXX 2018 from a lawyers office asking for {$770.00} and a response within 30 days. I believe this debt has been reaged. The collection company who recently put this information on my report is XXXX XXXX XXXX , XXXX ( assignee ). The original debtor is XXXX XXXX. The law office whos asking for the payment is XXXX XXXX XXXX XXXX XXXX the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, mi XXXX.
Product: Bank account or service

Please see complaint : XXXXThey responded today with : Dear XXXX : Thank you for contacting First National Bank. 
In order to fully assist you with your request, please contact us at XXXX. 
Sincerely, XXXX XXXX. 
Customer Care Senior Specialist. 

The only problem is ... ... .There is no XXXX XXXX at the XXXX.?? 

I spent 27 minutes on the phone with the company, today ( XXXX/XXXX/2015 ). Asking for XXXX XXXX ... ... she docent exist according to XXXX Customer Service people. 

No XXXX XXXX and the President of the Company goes by XXXX Different names??? 

Whats up with 1 st National Bank Omaha? ABA routing number : XXXX ... ..at least according to their website. But, who knows? 

Do they pay their FDIC premiums on time???????? 

Thank YouXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : CAPITAL ONE XXXX
Product: Credit card

Cardholder died on XX/XX/XXXX, and card was immediately unavailable. I was told to send copy of death certificate and court appointment as estate representative before they would talk to me. I sent this information on XX/XX/XXXX as instructed and was told they would call me as soon as they received the documents ( no call ). I called today ( XX/XX/XXXX ) to the number of the card and reached Marcus Investments. They confirmed that they had the information and the card had been cancelled and gave me a direct number to call GM to inquire about the unused points ( amount of {$1600.00} ). The online information for GM shows that unused points can be applied to a GM loan. I was connected with a GM representative and when I requested that the points be applied to a loan, I was informed that the card my husband had was not in that program ( no stipulation on the website about cards ). I asked if I could apply for a new card and transfer the points and was told that was not an option. I can do nothing with the points. This card had been in used since XXXX. I think it is unfair that it was cancelled and the points now can only be used on a purchase and not available for a loan paydown even though their own website shows this is can be done.
Product: Credit reporting

I have a mortgage account # XXXX XXXX. In XXXX XXXX XXXX, XXXX - phone number XXXX has increased my payments due to escrow shortage. I was not aware of the increase amount. I therefore paid the regular mortgage payment. I later received a letter stating that my mortgage payment was not posted to the account because of a shortage. I requested a copy of the findings for the increase. However by which time XXXX has reported a 30 days late due to a shortage of payment. 
The fact of the matter I was not late with the payment, I made the regular payment but not the increase. I was told because I did not make the full payment that was due ( I was not aware ) I was reported late. I tried working with XXXX and also the credit bureau but XXXX has denied the request for retraction of the 30days late. I believe if anything my payment was short but not late. As a customer since XX/XX/XXXX with XXXX I believe they should look at the history of my payment and understand this is not a late payment. The payment was short due to an increase that I was not aware of. I request that they retract the 30 day late from all XXXX reporting credit bureau.
Product: Debt collection

I have been getting continued mobile phone contact with XXXX collection companies, XXXX XXXX XXXX and Penn Credit Corporation on a number that is listed in the Do Not Call registry. These are unsolicited calls using a number I do not use for credit applications. They are both intrusive and waste my minutes on a phone I use for work purposes.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : 2022.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I submitted a complaint through Cfbp 's portal alerting Transunion of the fraudulent items on my credit report and also attached proof of IDENITY in the complaint. It's now been over 33 days and transunion hasn't deleted all of the unverified, incomplete, inaccurate, or fraudulent items even though by law under 15 U.S. Code 1681cXXXX they should have blocked this information in 4 days. I have done everything Transunion has asked now I'm requesting an transunion employee sign a letter under penalty and perjury that the accounts in question are mine. This is defamation of my character. I'm stressed so bad. Please block this information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 requested that XXXX remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at XXXX on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Product: Student loan

I have tried to renew my XXXX payment. It was XXXX XXXX monthly. Now its {$650.00}. 

My amount I owed went from {$100000.00} to {$110000.00} in 2 months. I am frustrated and feel like I was shoved into forbearance instead of a sustainable XXXX payment. My original loan amount was {$66000.00}. I regret ever taking out loans and have been treated horribly.
Product: Payday loan, title loan, or personal loan

At the beginning of the year XXXX, a credit builder loan I had taken out with Seedfi was sold off to XXXX. My experience was them as been nothing but negative, but tolerable until recently. I contacted XXXX on XX/XX/XXXX to advise that my pay schedule from work was being changed. Because Seedfi/XXXX set up my payments to be taken on my pay schedule I requested that they change my due date to align with my pay schedule. I called again on XX/XX/XXXX, and again on XX/XX/XXXX to ensure that this change was made. On XX/XX/XXXX, I started receiving numerous phone calls where the caller wouldn't say anything but when I called back, the number went to XXXX. I then received an email stating that I missed my payment due XX/XX/XXXX and I would be reported negatively to the credit bureaus. I called then twice on XX/XX/XXXX and spoke to two separate people who told me my due date could not be changed but once I made my payment on the XXXX, I would be ahead of schedule. I insisted on speaking to a supervisor and they refused to connect me. I feel like this is a scam-like organization who profits off fees and interest. I've spoken to them several times and was never told my due date could not be changed. I never agreed to have my loan sold off to a 3rd party, I was never delinquent with Seedfi to have my loan charged off to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$14000.00}, {$11000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 



-PERSONAL LOAN- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 








Sincerely, XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Product: Prepaid card

Why is this company charging me for unexplained freeze fees that Im unaware of also there is different transactions that I did not approve and One tried contacting them. They didnt resolve the issue.
Product: Debt collection

I have had payment arrangements with this debt collector for several years now. Thay have been taking the arranged payment from my bank account on a monthly basis. The terms of my arrangement have expired and they claim that because I have n't contacted to make new arrangements, they have opted to sue me. Two days prior to being served, this company did take a payment from my account. I have never received any kind on notice outlining new payment arrangements.. I have never been sued and I find this to be just an excuse to get additional money from me. I am emotionally distraught over this. They have served me and I want to know if I shoulld retain a lawyer to protect me from any further action. I do n't want to tarnish a very good credit rating.
Product: Credit card or prepaid card

I am writing this letter to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) in regards to my account with your institution. It has come to my attention that your company may have violated 15 USC 1681 ( a ) ( 2 ) ( B ) of the FCRA, which excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device from the definition of a consumer report. 

As per the Truth in Lending Act 15 USC 1602 ( g ), a credit card is defined as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition includes my social security card, drivers license/ID, and license plate which were used for the extension of credit. Thus, your company 's reporting of this account on my consumer reports is a violation of the FCRA. 

Moreover, I believe that your company has violated the GLBA by failing to provide me with proper notice and an opportunity to opt-out of the disclosure of my nonpublic personal information to nonaffiliated third parties. As per GLBA Section 6802 ( a ), a financial institution may not disclose any nonpublic personal information to a nonaffiliated third party without providing a notice that complies with Section 6803 of the Act. Furthermore, GLBA Section 6802 ( b ) ( 1 ) requires that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity to direct that such information not be disclosed.

However, I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information. Therefore, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
Product: Credit card or prepaid card

Someone opened an IKEA credit card in my name and charged, in XXXX, in excess of {$7600.00}. I never applied for an IKEA credit card, but did receive a card a few days prior to receiving the statement from IKEA for the fraudulent charges. 

I live in XXXX  and Ive never even been to the state of XXXX and on the date the charges were made I was in XXXX, XXXX  purchasing a home. 

I contacted IKEA and they assured me they would take care of the matter and have the card canceled and notify all three credit reporting agencies. As of this date that has not occurred. Then I received a letter from Comenity Bank, the bank issuing the card on behalf of IKEA, requesting that I lift the credit freeze so that they could continue with my application- WHAT? - they already issued the card which allowed someone to make fraudulent charges to me in the total amount of {$7600.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I being charged for a loan I dint take out
Product: Credit card

I went to Capital one to make my credit card payment with my debit card, as the XXXX is my due date, and with a debit card payment it posts immediately so my payment is accounted for immediately on both end for the credit card company and reflects in my bank account as well. They have taken away the option for a debit card payment and they will only allow a transfer directly from a bank account. On top of it coming directly from a back account it will take 3- 5 days to post to either account. I called customer service to see if it was a system problem and they claim they notified all customers that they would be taking that option away, however I never got anything stating they would be doing this. They would not send me the notice that it was changed, nor is this acceptable as the account continues to accumulate interest, and/or it gives the consumer a late payment even though the customer would have been able to have the payment paid on time, as normal. These are deceptive practices in accruals of additional money to the company and not taking into account other peoples life styles that don't have the opportunity to have a bank account to make payments.
Product: Checking or savings account

For over 3 years, I have try to work with USAA to get my money back with little or nothing done on their part to return the money. I was stationed overseas and I have set up an allotment to go to what I thought at the time was my checking account ( find out later I was my member number- which happened to be exactly someone else account number ). After becoming aware of my mistakes I took steps to rectify it and asked about how to get the money ( allotment I have transfer so far ) back. I was told to submit a letter of indemnification which I did religiously every other week for the past 3 years with no results. I was told unconcernedly- well there is no money in the account of that person, sorry nothing else we can do .... no feedback when I submit the letter that an attempt to collect my money was even done ... I had periodically called but was meet with the emotionless, unconcerned response- nothing we can do, there is no money ... keep submitting the letter ( and i was told unless I submit a letter, they don't attempt to collect the money ). This is unacceptable for a financial institution .... " if the roles were reverse and I owe USAA any kind of money, they would ve find a way to pull that money from my account at any point - even if it means making my account overdrawn- '' so why I am being toy around and given excuses as if they can't do anything to help