23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX I canceled my XXXX Account and First Digital Credit Card Account - XX/XX/XXXX First Digital card paid XXXX {$24.00} and send me a bill for the {$24.00} plus {$8.00}. XX/XX/XXXX Called XXXX and they stated my balance was paid in full back in XXXX XXXX. Recontact First Digital card and they promised to fix the error. I can canceled my card with First Digital in XX/XX/XXXX. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- First Digital paid XXXX {$24.00} and send me a bill for the {$24.00} plus {$8.00}. each month. I called First Digital each month and they promised to rectify but never did. I paid first digital each month so my credit would not tank. XX/XX/XXXX I finally spoke with a manager who fixed the issues but still doesn't know where the money to XXXX went as XXXX never requested funds. XX/XX/XXXX I got yet another bill as attached. Spoke to customer service and fraud. First Digital will not allow me to speak with a manager nor have they keep complete records. How is First digital paying on a account that has been closed since XX/XX/XXXX XXXX
Product: Debt collection

The account is for, XX/XX/XXXX XXXX company is with XXXX XXXX XXXX XXXX XXXX. The original account is with XXXX XXXX for the total charge of {$1100.00}. However, this account was opened under an individual by the name of XXXX. I believe this individual has victimized myself with a type of identity fraud. The account was opened with four lines with the contract under this individual as prime ownership. However, when the bill was not paid, I managed to have all negative charges pinned to my personal credit. The actions I have taken were mailing a dispute letter to the provider, as well as to the credit bureau itself. My attempts have not been successful and I am still stuck with the debt collection on my credit report. I currently use XXXX as my phone provider, and the debt seems incomprehensible. Thank you.
Product: Vehicle loan or lease

i have filed a Federal trade commission report against santander because this account if fraudulent reporting on my credit report.
Product: Checking or savings account

I went to the Bank of America branch in XXXX, New Jersey and told the teller that if possible I would like to take out XXXX XXXX dollars ( {$400.00} ). She said okay and gave me XXXX XXXX dollars ( {$400.00} ) in 4 {$100.00} bills.

Today I checked online with my Bank of America account only to be shocked that it shows a negative amount in excess of {$400.00}, including 3 {$35.00} overdraft charges!

Two major problems : One, the teller did not review my account before withdrawing the said {$400.00}!

Two, arrangement have repeatedly been made with the Bank of America for overdraft privileges against my credit card yet again I am being charged overdraft fees!

Three, the total amount here is {$500.00} which the Bank of America improperly and illegal and fraudulently took from my account. OUTRAGEOUS! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX  ( ret ) pro se PS : I am prepared to file a complaint in a Federal court of law!
Product: Credit reporting or other personal consumer reports

This account was sent to collections and then I paid it in full so this debt could be deleted off of my credit report. I have disputed this account multiple times and all of the credit bureaus were not removed this account. It's listed as paid close XXXX  balance, but it will not get deleted. I am tired of this being on my credit report because it's used as a negative to cause me to not have a higher credit score. This account has been paid. I do not owe anything. There's no reason why she should still be listed on my credit report and not have been deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Needs to be removed payment plan paid in full still reflecting on my current Credit Report. 

* XXXX - Removal
Product: Checking or savings account

On XX/XX/2021, I applied online for a XXXX checking account ( the Account ) offered by Populus Financial Group , Inc. ( Populus ) in response to a promotional offer ( the Offer ) : SET UP DIRECT DEPOSIT TO EARN { {$100.00} } ( Exhibit A ). I was approved for the Account and I subsequently set up a direct deposit in fulfillment of the terms. When the bonus did not post, I reached out via email and was told that the Offer required Card Activation ( Exhibit B ), a condition that was clearly not present in the original terms. Therefore, I respectfully demand that Populus pay the bonus of { {$100.00} }. Otherwise, this matter will proceed to arbitration with all costs and fees taxed to Populus.
Product: Credit reporting or other personal consumer reports

Ive reached out in writing requesting debt validation from XXXX, Experian and XXXX. 

All agencies are posting inaccurate information on my credit reports. 

XXXX XXXX XXXX. has two accounts on my report. I have never done business nor am I in any contract with this company. 

XXXX isnt my account. They arent my carrier. 
In addition I have XXXX inquiries on my reports, and Ive not given any company or agency permission to pull my credit. 

Ive requested that the agencies comply to the FCRA and remove this derogatory information and hard inquiries immediately.
Product: Credit card

I have an Amazon store account card through Synchrony bank. In XXXX I paid extra on the card because of leftover XXXX shopping. I have never missed a payment. They dropped the limit, because of high balances on other cards, to just over the new balance, which of course created a new high balance. 

I went from 70 % utilization on that card, about to make another payment which would have brought me under 50 %. The new limit created a utilization of 94 %, which they immediately reported to the credit bureaus, which, despite never missing a payment, created a cascade of other cards now reviewing my limits. This is bot only evil, but according the Fair Credit Reporting Act, illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Delete this account. 


5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account.
Product: Credit card or prepaid card

Ive made a dispute on the XXXX  website and it hasnt been resolved. Ive explained about my payment history Wells Fargo claims i was 30 days late on of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 when i was never late on any of those months when my dispute was closed they only managed to fix one month which was XX/XX/XXXX Ive had the credit card for almost 5 years and was never late on any payments Wells Fargo was rude when i called to fix the issue so i closed the credit card.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally dispute specific unauthorized credit inquiries and collection accounts listed on my XXXX credit report. I did not authorize these inquiries or recognize these collections, and I request an immediate investigation and removal of the inaccurate entries as required by the Fair Credit Reporting Act ( FCRA ). 

Below are the disputed items : Unauthorized Inquiries XXXX. XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX XXXX FCRA Section 604 ( a ), inquiries are only permissible with my explicit authorization or under specific legal circumstances. I did not apply for credit with these companies, nor did I authorize these inquiries. If you can not provide verification of my consent, I request that these inquiries be removed immediately. 

Unknown Collection Accounts XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX I do not recognize these accounts and have no knowledge of their validity. Under FCRA Section XXXX, I am requesting an investigation into these accounts. If these debts can not be verified with accurate documentation, they must be removed from my credit report. Please provide proof of ownership, including signed agreements or contracts that link me to these accounts. 

Supporting Documents To assist with the investigation, I have included : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of address Resolution Requested I request that XXXX : XXXX. Investigate and verify the listed inquiries and collection accounts. 
XXXX. Remove any item that can not be verified as accurate or authorized. 
XXXX. Provide written confirmation of the investigation results within 30 days, as stipulated by the FCRA. 


Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

I'm applying for a mortgage loan. When the mortgage company pulled my credit, Citi Bank CBNA is reporting to XXXX  ( only ) that I applied for a Bank Credit Card on XX/XX/2019. Please note, they are not reporting an open credit account, only that I applied for credit with them I have never applied for credit with Citi Bank or Citi Cards. My mortgage company is asking me to explain any recent credit inquiries on my credit bureau and since I did not apply for this credit, I can not explain it. I contacted XXXX  on XX/XX/19 to dispute this credit inquiry. XXXX  advised that I must contact Citi Bank and dispute it directly with Citi Bank to have the inquiry removed from my credit report. On XX/XX/19 and XXXX ET ; I called Citi Bank. Citi Bank told me I have no past or present accounts with them, which I'm aware of. Citi Bank 's fraud department said I have to dispute this inquiry with XXXX. I explained to Citi Bank that I already spoke to XXXX  and they stated I must dispute this with Citi Bank and Citi Bank will need to remove the credit inquiry from my credit report. The Citi Bank agents seem unsure of what to do and are not getting appropriate responses from their fraud department. I feel the agents I've spoken to at Citi are unable to resolve my issue due to their lack of training with this type of complaint.
Product: Checking or savings account

My account was not over drawn as I checked with Chase to validate.I gave a check to a Company that was working on my property.The name XXXX XXXX check # XXXX for XXXX dollars.I had given him checks before from the same account, He went to Chase Bank at XXXX XXXX XXXX XXXX and he was denied so he called me and i spoke to the bank person who told me he didn't know what was wrong.XXXX XXXX then went to a second Chase location at XXXX XXXX XXXX and the same thing occurred by this time i was seething. I am in XXXX California 30 miles from him and he needed to pay child support. I told him to meet me at The Chase Bank at XXXX XXXX XXXX in XXXX XXXX and we were helped by XXXX XXXX who was courteous and tried everything including calling Chase and verified I had the funds. ( XXXX ) his phone number.I tried the first and wrote a second check that cleared and then bounced.I was over 2 hours of down time and facing 2 bridge tolls and a shooting that had tied up XXXX XXXX in XXXX XXXX.I then told them to withdraw cash as XXXX was up a creek with Child Support.I am baffled and disappointed in Chase.
Product: Credit card

Capital One is reporting fraud on my credit report. Capital One has claim to written off the debt with the IRS, therefore a 1099c should have been sent out or there should not been a reporting on my credit report. So I would like Capital One to inform me, has the debt been written off with the IRS. If so please remove the debt from my credit report or move to arbitration. I am in need of a accurate credit report. And a charge off should only be reporting once without the balance. Please investigate the wrongful use of Capital One reporting on credit report. Card ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice and several laws have been XXXX by your company. which has caused defamation of character and has severely impacted my ability to obtain credit.
Product: Mortgage

I make my monthly mortgage paymnets by an automatic withdrawn of my bank acct ea month : by the XXXX the total amount of the mortgage is paid and I am never late with the due payment. Starting XXXX XXXX I tried to refi this mortgage. The loan officer was super slow on her work : every several weeks or even months she would ask me more docs needed for the closing. On XXXX XXXX she told me she ca n't close because I had a shortage on my escrow account. I was asked to pay {$790.00} for that escrou to be brought up to day. I send the payment on XXXX while I was also making my regular monthly payments. On XXXX XXXX I was short about {$75.00} ( rounded up ) due to my fault as I forgot to modify the automatic payment to reflect the new increased monthly payment due to the modification of prpperty taxes. Conclusion : although I made extra payment towards the shortage on escrow and I made all mothly payments in time, PHH mortgage mingled with my funds : it took money dedicated of paying the mortgage and dedicated to the escrow making the mortgage to be in defauls for two months. I had several discussions with representatives, all located in XXXX, and I receive daily collection calls for me being at " default '' with my mortgage payment. All this is not true as per above my mortgage is paid in a regular basis in full by automatic withdrawn. I made a complain to the president of the company about this situation early XXXX. No conclusion. The letter received on XXXX/XXXX/XXXX tells they are still investigating where is my money. Definetely the book keeping is very bad or somebody mingled with the money : they are unable to give me a decent explanation of why they stop applying the payments to the mortgage and kept my monthly payment twice. I figure now in their books that I pay about $ XXXX mo and change instead of my {$840.00} send monthly from my bank account. The result of this messy book keeping affects my credit report as I figure in pre foreclosure proceedings. None of the representatives I spoke with is unable to track down where is my {$790.00} send in XXXX, why they stop applying money send towards the payment of the mortgage and why I figure out as paying $ XXXX while up to XXXX I send ea month {$840.00}
Product: Checking or savings account

In the Fall of XXXX, my late husband XXXX mailed a check in the amount of {$14.00}, drawn on our joint Key Bank checking account, to XXXX XXXX of XXXX XXXX, for a reference book that they advertised. ( XXXX passed away in XX/XX/XXXX. ) Without our knowledge, the people behind XXXX XXXX manufactured checks with our account information and XXXX name. Over the following three years, a total of twenty-five checks were forged, all but two made payable to XXXX XXXX   and submitted for payment. ( One was payable to XXXX XXXX and one was payable to XXXX XXXX ). The checks were not signed, but had a stamp on the signature line that read No Signature Required. 

Key Bank accepted and honored the fraudulent checks, and paid out {$60000.00} from our account over a three year period. 

In XXXX of XXXX, I was contacted by the US Postal Inspection Service and was informed by Postal Inspector XXXX XXXX that {$60000.00} had been taken from the Key Bank account, and that two individuals have been arrested on federal charges for an elder fraud scheme run through XXXX   XXXX. 

According to a news report, USPIS Inspector-in-Charge XXXX XXXX XXXX in a statement said that XXXX and XXXX XXXX exploited victims by fraudulently using their bank routing numbers and bank account number to produce counterfeit checks. 

When my son XXXX contacted Key Bank, he was told by a manager that they considered that XXXX original {$14.00} check amounted to consent to their honouring all future checks submitted to the bank by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct GM Financial to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's assistance.
Product: Debt collection

I sued XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for failure to provide debt validation documentation as requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Another request was submitted to Weltman , Weinberg & Reis Co., LPA, a third party collector on XX/XX/XXXX and XX/XX/XXXX. XXXX acknowledges WWR only services the debt and is not the owner. The refusal to supply the requested documentation is a violation of state statutes and the FCRA. I assert that documentation was requested via written communication on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, from XXXX. The same request was made again via phone from both XXXX and WWR, LPA on XX/XX/XXXX. I made a final phone request to WWR., LPA XXXX XX/XX/XXXX, requesting verifying debt information. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and Weltman , Weinberg & Reis Co., LPA have failed to provide the requested documentation within the time period required by law. I allege that the Defendant 's conduct violates Ohio Revised Code section 1319.11 and the Fair Credit Reporting Act ( FCRA ) section 1681g.
Product: Credit reporting or other personal consumer reports

This is regarding my previous complaints and identity theft case : ID FOR COMPLAINT SENT TO XXXX, ID FOR COMPLAINT SENT TO XXXX, ID FOR COMPLAINT SENT TO XXXX. According to the results given, the fraudulent accounts and inquiries were supposed to be deleted, but upon checking my credit reports, the fraud items are still somehow reporting. Could you please check and delete them completely from my reports? Here are the fraud accounts and inquiries. 


Fraud accounts : 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 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 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 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 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 XXXXXXXX - XX/XX/XXXX. I have attached my FTC reports, dispute letters, and IDs for your reference
Product: Debt collection

Comenity Bank has called my cellphone at least 7-9 times between the hours of XXXX and XXXX. This debt was already paid this month, and the phone calls are too annoying. I am trying to work so that I can pay off my debt. They seem to want me to not work, and play phone tag with them all day.