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

On XX/XX/XXXX at XXXX, a charge hit my account from XXXX XXXX  for a total of XXXX using my virtual card which Ive never even personally used myself. 

Immediately after noticing this, I filed a dispute with the bank company I use called Current. They asked for the information of the transaction and the reasoning and said it could take up to 90 days to come to a decision. Which would have been XX/XX/XXXX. 

I waited PAST the 90 days and reached out again on XX/XX/XXXX to get an update as I was pretty frustrated that I didnt receive any updates on it and my app was saying that I had an open dispute for months. I got this response from the customer support chat agency, Thanks for waiting. I looked into this for you and confirmed that the investigation on your dispute claim has been completed. The facts of the investigation concluded that there was no error found and therefore, no credit will be issued to you. 

I informed them that I didnt authorize the transaction and that was the problem and they stated for me to contact the merchant which I did decide to do on XX/XX/XXXX. 

The merchant sent this response Hello XXXX, Thank you for contacting XXXX. 
During the month of XXXX, we had an influx of emails from different people in the united states who had the exact same charge as you. These charges only affected people who own virtual cards. I regret to inform you, while these fraudulent charges have our name, they were not made by us. 
In this case I would recommend continuing the process with your bank to have these charges removed. 
Kind Regards, XXXX XXXX Client Services After contacting my bank AGAIN on XX/XX/XXXX, basically restarting the dispute because they closed it and they told me that the ex needed email communication/confirmation from the merchant so I forwarded my email from the merchant that stated they had that issue in XXXX. The bank support agent stated that they cant use that because I provided it in my previous dispute which was denied. 

Ive tried calling my bank and they do not have a customer support phone number, just the support chat via the app. I even asked the chat agent for a number and the number they gave me was a fake number that doesnt even call out.
Product: Credit reporting

I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/XX/XX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted Equifax now its XXXX.
Product: Debt collection

XX/XX/XXXX my car was stolen, in my car I had my check book. Whoever stole my car also wrote bad checks out of that account. I reported this incident with US Bank at that time. The manager of the branch told me everything was taken care of and the account would be closed with out a problem. In XX/XX/XXXX I got served with legal papers saying that I owed that balance plus legal fees. At that time I wanted that problem to go away so I agree to make payments. A few weeks later I lost that job and was unemployed for years. Now I received a garnishment notice directly in my mail. The last time I made a payment was in XX/XX/XXXX. For what I understood there was a statue of limitation that protected me against being garnished at this point. The other reason I 'm filing a complaint is because the garnishment is already in process but I was never physically served paper or contacted to agree of the debt. I do n't think it 's fair to have to pay all the attorney fees for a balance that should n't even be owed in the first place. It took years after the incident with US Bank until I found out of the mess it caused. At the time the branch where I went to submit my proof of fraud was already closed.
Product: Credit reporting or other personal consumer reports

Please remove those inaccurate accounts from my credit report.
Product: Consumer Loan

Santander consumer usa has super high interest it seems payments never go to the principal balance, when you call customer service wont help at all they just want a payment. Late fees are ridiculous and charging fees to make payments are extra high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Inquiry Date XX/XX/2020 XXXX
Product: Mortgage

I am looking to purchase a new built home in XXXX California and US Bank Home Mortgage is the builders preferred lender so I am required to obtain pre-approval from US Bank specifically. I submitted a pre approval application with US Bank on XX/XX/XXXX and also submitted requested personal and financial document on US Banks portal on XX/XX/XXXX. Since only XXXX Banks pre approval is acceptable to the builder, I only submitted information to US Bank. I started to receive numerous solicitation calls from mortgage brokers and companies on Monday ( more than 30 calls ) such that I had to shut off my phone as it was interfering with my work. Many of the callers indicated that they knew I submitted an application, they knew my credit score and they knew I was purchasing home in a particular neighborhood. It is apparent that US Bank, US Bank Home Mortgage, or each of their agents, officers, employees, vendors or partners have negligently or intentionally caused the unauthorized disclosure or sale of my person information, including my cell phone number and email address and thereby exposed me to fraud risks. I do not know if other personal financial and banking information have also been negligently or intentionally leaked, disclosed or sold. I was unable to reach consumer data protection division of US Bank as such information was not available on its website or through its customer service line. By accepting only pre approval letters from US Bank, XXXX XXXX also acted in consort with US Bank in connection with such negligent or intentional disclosure or sale of my personal information and data.
Product: Mortgage

This is the second complaint we have filed as when we called in the XXXX kept saying the DOB does get involved in Short Sale approvals. It's evident no one at the division of banking even READ THIS COMPLAINT as the information mailed to me in response was regarding CARRINGTON MORTGAGE and this complaint is NOT AGAINST CARRINGTON. This complaint is not regarding a short sale. 
This is regarding XXXX ( 2nd loan servicer ) sending a discharge of mortgage debt ( 1099C ) to homeowners in XXXX and then when they went to sell in XXXX they couldn't because the mortgage discharge was never recorded. When we attempted to contact XXXX they scrambled and said the entire debt was still due - however each homeowner is in possession of the 1099C which was dated XX/XX/XXXX. 
Per Massachusetts law Mass. G.L. c.184, 17B the mortgage servicer has 45 days to record a discharge once the mortgage debt is discharged. Mortgages must be discharged within 45 days of receipt of full loan payoff by recording and furnishing a copy of the discharge with corresponding recording information or providing a proper discharge to the person paying off the loan. If the DEBT is discharged in it's entirety there is no mortgage anymore. XXXX XXXX and XXXX XXXX XXXX mortgage debt was discharged in it's entirety. A discharge should have been recorded by XX/XX/XXXX. 
From XXXX : I have listed my house for sale. When title was pulled it showed TWO mortgages, however in XXXX my mortgage was forgiven by XXXX. XXXX was originally XXXX XXXX which was sued for giving out bad loans. My the debt was forgiven by XXXX with a 1099C in XXXX, but they never took the mortgage associated with this off of my title. Now I'm being told that even though they sent me a 1099C stating the debt was forgiven that that was a mistake and I owe the entire amount. This makes no sense. If the debt was forgiven via a 1099C then the mortgage should have come off my title at that time, but it was never done. On top of that how is it I now owe the debt that XXXX forgave? 

We have filed complaints with Division of Banking and the MA Attorney General 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

An XXXX was purchase with my card, but I was at work at this time and point so I don't understand why I was changed with that. I've never even used an XXXX. Don't understanf why there was so many fees added to the bill. What these fees are for
Product: Debt collection

This agency is reporting an inaccurate account which does not belong to me. 

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, Im having trouble with Experian complying with FCRA rules, I have submitted several complaints, the issue at hand involves a Public Record that should be removed, Experian has agreed that the Public Record was reporting a incorrect address and that address was removed, therefore, Im asking Experian to please remove the Public Record that was reflecting a incorrect address, in a previous response, Experian stated that the information has been removed, after contacting Experian I found that to be false information, Im seeking to resolve this immediately, thank you
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on said credit report that are inaccurate. 

Under 15 Us. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Experian : DEPT OF EDUCATION/XXXX  DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A debt collection company by the name of SST is claiming to be a loan servicer when they are debt collectors. I did not receive enough information to from this company in order verify the validity of the debt they claim I owe. This company has violated several sections under the Fair Debt Collection Practices Act. False and misleading representations and failure to cease all communication and collection activity being the significant XXXX. The company is deceptive and dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account COMENITYCB/ZALES Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts. Thank You XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 EXPERIAN XXXX XX/XX/2024 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my ( and millions of others ) information. They were aware that their security had been breached and did nothing for months. I am now at a high risk of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to medical debt collections by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. 

The outstanding debt was fully paid using their online system and after payment I was shown a " payment request was received '' screen. Money was then debited from my bank account the same day. I reached out to them to acknowledge receipt of payment, however I have not gotten any response. 

I opened disputes with XXXX and Equifax days later to get the amount updated on my credit report, however, despite receiving full payment XXXX and XXXX refused to update my credit report and responded to the dispute stating that the amount owed is correct and no payments have been made, which is blatantly false. 

It is unlawful and a violation of the The Fair Credit Reporting Act to knowingly provide inaccurate information to a credit reporting agency, but it appears as though that is exactly what XXXX and XXXX have done, while also ignoring my communication requesting payment receipt. 

I understand the credit bureaus will be removing paid medical collections from consumer credit reports in XXXX and would like to request that either the amount be updated or the now paid collection account be removed immediately from all credit reporting agencies. 

I will be attaching documentation showing payment screens on XXXX and XXXX website, the request for a payment receipt, the payment transaction in my bank records showing the amount paid equals the amount owed and the results of the dispute with Equifax showing the false validation provided by XXXX. 

Please assist in any way possible to get this matter corrected. No consumer should be subjected to false information being reported on their credit report, especially when they've paid the balance owed in full. 

Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Information from CLUE Report Dear LexisNexis Risk Solutions, I am writing to formally request the removal of inaccurate information from my Comprehensive Loss Underwriting Exchange ( CLUE ) report. The specific inaccuracies in question are as follows dated below. 

- XX/XX/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 XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX This request aligns with the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies uphold the accuracy of the information they provide. Per FCRA Section 611, I kindly ask that LexisNexis thoroughly investigate the disputed entries and promptly eliminate any inaccuracies from my CLUE report. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX rights have been violated under the Fair Credit Reporting Act. According to 15 U.S.C. 1681 Section 602 A, I have the right to privacy. Moreover, as stated in 15 U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency is prohibited from furnishing information without my written instructions. The information regarded above pertaining clue report is not mine, and I request its prompt deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been paid in full and Equifax has the acct status showing as negative in red, paid charge off and has a recent date so it looks like the debt was recently charged off ... The acct status before I submitted a dispute was previously showing paid charge off ...
Product: Checking or savings account

( Ref ID - XXXX ) Paypal you are XXXX  wrong I don't care what you have to do to get ethical employees and quality Assurance that is fair & respectful of customers but you better find a solution to this XXXX backoffice that exploits XXXX and private class citizens from accessing their money cause I'm not having it or waiting another day for you to release my funds. You have all these rules and restrictions but the audacity to claim we can use your financial services securely. Today was hit milestone limit of your malicious and scrupulous ways. If you are going to advocate and market your services to consumers than let utilize them without prejudice. I was on the phone all day begging for support escalate the release of my account because a merchant owed me money & when the company actually agreed to pay me back you had the nerve to limit my account that was already restored 6days ago but you can't explain what actually went wrong~Nothing! You just keep sucking the life out of XXXX  and other ethnicities that are solid and grounded in financial stability. I'm XXXX  & instilled trust to deposit my money into your company with hopes that you would respect my interest. But your so called Back Office proliferates hatred and hostility towards consumers with racism and bias. I am XXXX  and you knew I called today to settle my account so I could conduct my medical billing for the week but you ignored my every regard to establish reciprocity. Foolish heathens how dare you try to make me wait 180 days to retrieve my money. You haven't given me anything but grief and XXXX  and the fact you solicit your services with segregation is beyond fathom. At least ask or notify a customers if you have concerns. Don't go pulling tricks and snaking customers behind their backs to take money that doesn't even belong to you. Keep it and practice common sense and professional values. You don't give anybody a PayPal XXXX to follow when they sign up but stay having the excuse to Limit their accounts just for utilizing the app features you say we can use. If I wana transfer money into my bank account or pay a bill that my prerogative It doesn't cost you anything~So why the heck do you train agent 's to tells us lies that it's in Paypal 's interest to protect us from risk when you are actually the ones practicing Shady compliance. Please release my money by tomorrow morning before I call a XXXX XXXX reporter to investigate your Compliance fraud. If you continue to violate consumer privacy & practice unjustifiable bias you will lose business from XXXX XXXX citizens. Please get a Public Relations Advisory to monitor the negation of your Back Office team cause they are running XXXX XXXX business like a XXXX plantation.
Product: Debt collection

Today, XX/XX/XXXX, I received an e-mail stating my FICO score decreased by XXXX points to my surprise. I checked what the reason for the decrease in my score was and my credit report stated I was sent into collections with Transworld System Inc. on behalf of the energy company, XXXX XXXX XXXX XXXX in the amount of {$620.00}. I have been dealing with Identity Theft for the past XXXX years and this collection is another result of identity theft. I called Transworld System Inc. and spoke to their agent, XXXX, on XX/XX/XXXX at XXXX XXXX. I explained to her that I have been dealing with Identity Theft since XXXX and informed her that this account with XXXX XXXX XXXX XXXX was opened fraudulently under my identity. I requested the address associated with this account and she provided the address XXXX XXXX XXXX, XXXX, XXXX XXXX. I looked back into my files for previous addresses involved in my Identity Theft case and found this exact address from an older debt collection with XXXX XXXX XXXX dated back from XX/XX/XXXX. I explained to XXXX my frustration since I had frozen all three of my credit bureau files to prevent this identity thief from opening more accounts under my identity. I told her that I do not reside in Texas and I have been living in New Jersey all of my life. She also informed me that she found another collection under my name from the energy company, XXXX XXXX, with the address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX in the amount of {$18.00}. This is another address I found associated from another older collection with XXXX XXXX XXXX as a result of Identity Theft. This is truly nerve-wrecking to have to deal with again and I don't know what other necessary steps to take to make this stop. Like I stated before, I froze all three credit bureau files, have filed a police report, and I have been entered into the FBI database as an Idenity Theft victim. I feel like the only way to keep resolving my Identity Theft issues is through CFPB since my complaints are always resolved. I am truly distraught by how this identity thief continues to open more accounts even after placing credit freezes on all three of my credit files.
Product: Checking or savings account

In 2010, I closed my joint account with my XXXX They told me I could not close the account without a XXXX XXXX  in hand. No activity happened in the account and I took my XXXX XXXX to the branch on the day I received it in XXXX XXXX XXXX  I closed the account and they assured me that it was closed to all activity. I specifically asked because it was a joint account and my XXXX XXXX XXXX XXXX. XXXX weeks later, they said that my closed account was overdrawn by XXXX of dollars in overdraft fees. No money was paid from the closed account to someone else. ALL of the money was in overdraft fees. I have asked many times ( as recently as XXXX  years ago when I opened a credit card with them because a store used them as their credit ) and they NEVER give me an answer. They XXXX XXXX XXXX XXXX from me and have never repaid it although I have had them investigate it multiple times. I bring it up AGAIN now because of the lawsuit they lost, doing exactly what they did to me. I dont have the account number handy as it was over XXXX  years ago but I have never given up on getting the money back.