23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Global Client Solutions ( company who processed my automatic payment transactions for a debt relief ) has automatically withdrawn an add'l payment from my checking account I did not authorize ( nor was I notified ) after my debt was confirmed settled with XXXX XXXX XXXX. I have graduated from the XXXX XXXX XXXX program back in XXXX in which the company, Global Client Solutions has been handling the transactions with autopayments through my checking account. I was told by XXXX XXXX XXXX in XXXX that I graduated from the program and actually received a refund from GCS for overpayment in XXXX for a little over {$100.00}. There were no addl fees in XXXX and there is now a new transaction of {$120.00} was not expected and pending on my bank account today. I had no alerts or notifications from either these companies thus far and I was not anticipating the transaction nor was I told I had to cancel my account with GCS EVER. This is clearly a mistake as I have not had any transactions posted for XXXX payments since XX/XX/2020. I now have to stop into a bank branch today to dispute and to put a block on the payment. I would expect that XXXX XXXX XXXX and/or Global Client Solutions should pay for any overdraft fees or that XXXX can either stop the payment right away or waive the overdraft fees if I can not stop this in time. I also have a XXXX XXXX mortgage payment that should post today on this same account, potentially causing my mortgage payment to be late. I have NEVER received any notification that there would be any additional charges and have proof of my graduation from the debt relief company and can provide a compete list of transactions, dates as well as the refund I received for the overpayment at the end of my program when it was paid in full.
Product: Money transfer, virtual currency, or money service

I am not sure the exact due dates about XXXX XXXX for XXXX id like my funds back.
Product: Credit card

On XXXX/XXXX/15 and without prior warning, Citibank sent me a notice that they had decreased my credit limit explaining that my credit report " shows a delinquent credit obligation, either paid or unpaid, with another creditor ''. ( See letter attached ) Upon investigation I found that XXXX had made a clerical error in reissuing a card to an erroneous address. This was the only late payment reported to XXXX and XXXX immediately took steps to remove the faulty report with credit agencies ( see letter attached ). I have called Citibank to share with them the letter I was sent by XXXX but they have declined to review it. Citi still refuses to reinstate my previous credit limit so I find myself a victim of how the credit bureau oligarchy conspires against individual consumers. A mistake on my credit report, once remedied, should not have irreversible repercussions across other lenders ... let alone a bank i 've used for literally decades without incident.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

Credit Card Opened by XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$270.00} Credit Card XXXX by the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} Credit Card Opened by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not updating my credit report and score on there site. I can't go on annual credit report and order from all 3 bureaus because of Experian. The 2 tickets numbers I receive ticket code is XXXX is from XX/XX/2020. The second ticket number is when they finish there investigation is Reference number : XXXX Please use this ticket number in any correspondence with us Subject : Ticket XXXX on XX/XX/2020. The issue was not resolve. I called Experian and the customer service rep hangs up on me when they can't resolve the issue. I feel I'm being taken advantage of because they are a big company. They feel this is not a problem to fix or not important enough just to help one person. When this problem can stop me from getting a new job or new home for my family. l will file a complaint with the Attorney General and file a civil lawsuit against Experian if this issue is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.
Product: Credit card

I opened Capital One Venture X credit card for only reason to able to transfer the miles into another airline account. It was advertised that this card is eligible for it. However, it's a false advertisement and this function does not work. I called to customer service to find when approximately the issue will be fixed and they said that it's known issue, there is no currently resolution or estimate when it will resolved. I mentioned that the only reason I opened this card is to transfer to another airline account, on that customer rep said that I can use the miles on capital one travel website. This is fraud... I opened a card which affected my credit history for nothing. I can't open another similar type card now because my credit got hurt and they making money by luring people into services they don't provide. I wasted the time to buy better price tickets because I was hoping to move the miles and now I have to pay higher price.
Product: Credit card

My identity has been stolen from all my xfinity and chase credit card accounts.I had to get new phone numbers and chase locked me out of my account and will not deal with this over the phone. They are dealing with the person who stole my phone number. I can not access the account because chase has locked me out so they are calling the old compromised phone number and dealing with the person who is not me! I need to have chase card account closed completely immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

I applied for a loan online, the company lending point said my credit score was XXXX using XXXX. I know for a fact my credit score is over XXXX because I just checked it. I think they are attempting to charge me a higher interest rate
Product: Student loan

I was told my consumer services that they do not have to offer me deferment while I am in school and I have to start making payments. That is was a kindness that not a requirement for the company to offer deferment. 
I have emailed the company twice as I can not misses any work hours to make a phone call. 
Refuse to use my legal name and the name under the loans when I do talk to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was sent to XXXX please remove the inaccurate information by law up to the creditor to provide proof that the debt does actually belong to you, so if they cant ( or choose not to ), they must remove the negative mark from your credit report. Pay for Delete If the collection is, in fact, yours, consider paying the collector so that it is removed from your report.

btw police report should be enough also
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

This is my fourth attempts 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 records 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, delete the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items are inaccurate and needs to be removed : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Debt collection

I have been in correspondence with XXXX XXXX since XXXX and Credence Resources since XX/XX/XXXX. Once I had received an alert that a negative account was on my credit report. I informed the representative that this account belongs to my mother whom shares the same first and name as myself, XXXX XXXX. I keep requesting in writing for them to provide me with written proof of the service address/equipment received with my address. Of course no one can provide me with this information, because I never had XXXX XXXX in my life. Credence Resources sent an email from me to look at the debt with the passcode ( zip code ) of the address of the debt. Of course I couldn't look it up because the zip code belongs to my mother. They went back to change the passcode to our name. Again I sent a follow-up email immediately informing them that I was not going to open up someone's mail that didn't have my address on it. I have provided proof of my driver 's license with my address for the past 12 years on. My mother and I had both spoken to someone at the XXXX XXXX about the wrong information in their system only to be hung up on. I come home today to check my mailbox to find that Credence Resources have done the exact thing that XXXX XXXX has done which is to take my mother 's information out of the system and to put my information in their system. I have NEVER once received a bill from XXXX XXXX and Credence Resources before until today. I immediately returned the mail because the account will not have my information on the bill. I have had my own cable/internet provider since XXXX and I have sent the records to XXXX XXXX. This debt hasn't been validated by me because this isn't my account, so this company should be immediately removed from my credit reports. This isn't the first time that I had to dispute debts that didn't belong to me but instead belonged to my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization, Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below XXXX XXXX   ****XXXX not mine XXXX/XXXX ****XXXX never late
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX consumer dob : XX/XX/XXXX consumer ss # XXXX contents of complaint : This cfpb complaint has been filed to request pursuant to fcra 605b 15usc1681 c-2 that you, Transunion credit reporting agency block adverse information appearing on my consumer credit report that is the result of idenity theft/data breach within 4 business days of you receiving this complaint.These fraudulent accounts consist 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 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 XXXXXX/XX/XXXX i am attaching the FTC idenity theft criminal complaint # XXXX as proof of the idenity theft/fraud of the aforementioned accounts where not opened, made, or initiated by me and are the result of identity theft/fraud and a data breach.i am demanding that you block these accounts within 4 business days of recieving this complaint from the cfpb.
Product: Debt collection

On XX/XX/2021 Convergent OutsourcinXXXX sent me a letter saying that I owe {$150.00}, which originated from XXXX ( tv, phone, etc. ). I have never had an Optimum account in my life. My father ( same name, different middle name ) has, and he and I confirmed that the XXXX account number matched his old account. However, Convergent refuses to transfer the debt to my father 's name/Social Security number. They say it was reported under my Social Security number, so I am responsible for it. 

Neither he or I have a problem paying it, just to make it go away, but I'm afraid that if I pay it on his behalf, it will show negatively on my credit report for 7 years. I'd prefer that Convergent and XXXX take responsibility for their mistake and make a correction immediately. Neither of them are owning up to the mistake or offering a solution.
Product: Mortgage

On XX/XX/XXXX, I received an important notice from Chase stating that my COVID-19 mortgage payment assistance period will end on XX/XX/XXXX. I reached out to Chase by telephone using the number listed at XXXX to request a mortgage forbearance extension. After speaking with the person on the telephone I was told that my forbearance extension was being granted until XX/XX/XXXX, and that my confirmation number was XXXX. 

On XX/XX/XXXX, I requested that Chase provide me with the extension given by them in writing due to the urgency related to my current forbearance ending on XX/XX/XXXX, I explained that there should be a process in place to ensure that there are no laps in the forbearance process and that there should not be any opportunities or reasons for default of a consumer 's mortgage loan. 

Instead of getting any assistance, I was told by Chase that I would not receive anything in writing until 2-3 weeks after making my extension request. This deadline would possibly place me past the due date that my forbearance would be ending. After going back and forth with Chase staff regarding this issue I requested that Chase simply email me something in writing acknowledging that my request for forbearance was granted on XX/XX/XXXX, and to include the reference number that was given by Chase inside the email. 

Chase refused to provide the requested information by email. Chase 's refusal places my loan at risk of default. This information is crucial when working with mortgage consumers in the forbearance extension process. 

I am requesting assistance from your agency with this matter.
Product: Debt collection

There is a lawsuit pending. I spoke to the attorney and mentioned an attempt to pay and the gentleman on the other end refused my payment ( in full ) and promptly hung up. I 'm working with the attorney to resolve the situation, but continue to receive hang up calls during the day. They call during various hours of the day and hanging up. 
Most recent dates are XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX
Product: Mortgage

Hello I really need help with Ocwen mortgage they lied to me since they foreclosed on my home in XX/XX/XXXX.. I have been trying to get help but with no money no one will talk to.me. I have a case management coming up in XX/XX/XXXX. But they sold my house to the new owners in XX/XX/XXXX Ocwen does not have a ejectment or a processing of my property. The new owner taped a letter to my front door telling me I have 2days before locks changed or sign a lease which they were not the owners I just want to get my house back only thing I have left
Product: Debt collection

I received a letter from Viking Client Services ( debt collector ) on XXXX XXXX regarding a balance due on creditor XXXX XXXX XXXX XXXX : {$270.00}, with no explanation to charges. This is the 1st letter I have received or contact regarding this amount due from XXXX XXXX XXXX  Viking Client Services Debt collector. 

On XXXXXXXX XXXX XXXX I rented a vehicle via XXXX from XXXX XXXX. I paid for my rental at the time of service with my credit card on XXXX XXXX XXXX  as noticed by the receipt and invoice of the amount listed : {$370.00}. See attached documents. 

This letter is fraudulent and their collection practices are in violation of the Fair Debt Collections Practices Act under Sec. 806 and 807 of the act, including corporate fraud, consumer fraud and management fraud. 

XXXX XXXX XXXX XXXX and Viking Client Services are behaving in fraudulent management activity to defraud customers and in violation of Federal Law.
Product: Credit card

I am writing to file a formal complaint against TD Bank concerning multiple instances of mishandling, lack of communication, and unprofessional conduct. As a consumer, I have encountered numerous issues with TD Bank 's services, particularly regarding the handling of convenience checks and subsequent customer service interactions. 

On multiple occasions, TD Bank sent me convenience checks, ostensibly for use against my TD Bank credit card limit. However, my attempts to utilize these checks have been met with frustration and incompetence on the part of TD Bank. 

Specifically, on XX/XX/2024, I attempted to deposit a convenience check in the amount of {$19000.00}, out of my {$20000.00} credit limit with TD Bank. Despite promptly informing TD Bank via its message center on the same day, I received no acknowledgment or response from the bank. XXXX days later, I received notification from the financial institution where I deposited the check that it had been returned without cashing it, citing reasons unknown to me. TD Bank failed to communicate with me regarding this issue, leaving me uninformed and bewildered. 
Subsequently, on XX/XX/2024, I reached out to TD Bank once again, informing them of my intention to use another convenience check and requesting that they honor it. Despite my efforts, I received no response until I resorted to contacting TD Bank 's CEO, XXXX  XXXX, via the bank 's XXXX messaging system on XX/XX/2024. 
Then, TD Bank sent me another batches of convenience checks and emails to encourage me to use the credit limit against my credit card. 

Therefore, I attempted to deposit another convenience check sent to me by TD Bank in the amount of {$6000.00} on XX/XX/2024. Once again, the check was returned uncashed on XX/XX/2024. 

Additionally, on XX/XX/2024, I received an email notification from TD Bank informing me that my personal online banking username had been retrieved, despite my not initiating such action. Upon calling TD Bank 's customer service line, I encountered another unhelpful representative named XXXX, who failed to address my concerns and seemed disinterested in assisting me. 

I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against TD Bank for its failure to uphold basic standards of customer service and consumer protection. Additionally, I demand reimbursement of return check fees and honor its offering of using up to {$20000.00} of my credit limit. 

Thank you for your attention to this matter. I look forward to a swift resolution and appropriate measures to prevent such incidents from occurring in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint # XXXX The business that provided the information in question has 30 days from the date you submitted your request to respond back. No response has been received. The Fair Credit Reporting Act ( FCRA ) requires that Experian allow 30 days for the dispute process to be completed. 

The first initial response was XXXX and now it is XXXX. 

XXXX XXXX XXXX XXXX IS REPORTING UNVERIFIED DATA THAT I DID NOT GIVE THEM PERMISSION OR MY CONSENT TO DO SO.
Product: Credit card or prepaid card

Barclays Bank account ending # XXXX because the reported late was a result of Covid, I had a personal loss during covid and I ask that due to the unprecedented times and the natural disaster declared by FEMA that you can update the report to paid as agreed or not reported in the month you are reporting the late pay.
Product: Debt collection

Credence Resource Management is a collection company that's steady harassing me and issuing alerts to the credit bureaus impacting my credit score negatively about a fraudulent account opened in my name I've sent in proof of identity theft and a police report proving the account was fraudulently opened in my name
Product: Debt collection

After disputing the alleged debt with Portfolio Recovery, they continue to furnish invalidated information to my consumer report causing great mental anguish, damages and losses.