23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, 2016, my wife and I went to the US Bank at XXXX XXXX XXXX in XXXX XXXX, Colorado to open a business checking account. While there we listened to another individual open a business checking account as well. The bank representative was XXXX XXXX. It was initially concerning to hear that the accounts were processed and opened in the commmunity area of the bank where personal information, credit disclosures, and monetary amounts were discussed. 
When XXXX XXXX assisted us, we made it clear we did n't want our personal information openly discussed in this forum. XXXX XXXX apologized, saying he had a loud voice and carried on. During the process of opening a business checking account, XXXX XXXX offered us a business credit card as well ( there is much more detail to this in the attached documentation ). We told XXXX XXXX if there was a 0 % interest offer, we would be interested. XXXX XXXX showed us we qualified for a 0 % interest rated for a period of 12 months and we agreed to sign up for that card. He showed us the dislosure and circled the 0 % interest rate and the business platinum card. 
After opening the account and receiving all of the pertinent information, we left and a few days later received credit cards in the mail for a higher interest ( 18 % ) card My wife contacted the credit card company that issues the cards for US Bank and they told her they provided the cards that US Bank approved for us and if we wanted the 0 % cards, we would have to apply again. My wife emailed the US Bank help email and was later contacted by area VP XXXX XXXX who confirmed he spoke with XXXX XXXX and confirmed we applied for and wanted the 0 % card. After back and forth emails, XXXX XXXX said we would have to re-apply for the 0 % card. This would cause a second hard hit on our credit report and when starting a new business that may later have investors, we do not want to begin with questions about why we applied for multiple lines of credit. This was a bank error and should be remedied by the bank. My wife sent an email asking for guidance and assistance after this and we have received no further response. I contacted XXXX XXXX Sheriff 's and filed a police report sharing the same information with the sheriff 's department. I believe we were misled and treated fraudulently, applying for and being told we were receiving a specific line of credit and later being provided with another. Then the remedy was to re-apply, affecting OUR credit to get what we originally told we were approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit and notice incorect information being reported. I am not aware of any of these accounts being reported on my credit. I have been XXXX in XXXX XXXX   for 12 years and while gone didn't give anyone access to any of my personal information. I also receive XXXX and don't use my credit for anything. 


below are fraudulent accounts being reporting in my name. 

XXXX REPORT INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX   REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX EQUIFAX REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Student loan

STUDENTAID.GOV IS NEGLIGENT IN PROCESSING ECF FORMS AND RECONSIDERATION REQUESTS SENT MONTHS AND MONTHS AGO. I WAS INVOLUNTARILY PLACED IN FORBEARANCE, FIRST DUE TO TRANSITION FROM XXXX TO STUDENT AID ( I RECEIVED DOCUMENTATION STATING THIS FORBEARANCE COUNTS TOWARDS PSLF FOR XXXX AND XX/XX/year> ). A SECOND FORBEARANCE WAS PLACED IN LATE XXXX DUE TO SAVE LITIGATION. I HAD 115 PAYMENTS AS OF XX/XX/year>. I WAS BLOCKED FROM MAKING PAYMENTS SINCE XX/XX/year> BECAUSE OF STUDENT AID. I SHOULD HAVE RECEIVED FORGIVENESS IN XX/XX/year> BUT I AM STUCK IN THIS ENDLESS CYCLE OF INSANITY WITH STUDENT AID WITH 115 PAYMENTS AND 118 MONTHS OF EMPLOYMENT CERTIFICATION. I SENT UPDATED DOCUMENTATION TO STUDENT AID AND I CANT EVEN TELL IF IT WAS RECEIVED. I'VE SENT DOCS THROUGH XXXX, PSLF SELF HELP TOOL UPLOAD AND FAXED UPDATED FORMS AND I EITHER DONT HEAR FROM STUDENT AID CONFIRMING RECEIPT OR IT SITS AS " IN REVIEW '' FOR MONTHS ON END. IVE UPLOADED EMPLOYMENT CONFIRMATION FORMS IN XXXX, XXXX, XXXX AND XXXX AND NONE HAVE BEEN PROCESSED. STUDENT AID IS PROCESSING ELECTRONIC SIGNATURES AND NOT MANUAL SIGN ATURES ; THIS IS UNFAIR AS MY EMPLOYER REFUSES TO E-SIGN AND I AM FORCED TO SUBMIT MANUALLY. I SUBMITTED A REQUEST TO BUY BACK THE MONTHS OF XXXX AND XXXX DUE TO XXXX TRANSITION ( I HAVE DOCUMENT FROM XXXX TO PROVE THIS FORBEARANCE QUALIFIES FOR PSLF ) AND TO BUY BACK XXXX, XXXX AND XXXX SO I CAN RECEIVE FORGIVENESS BUT I HAVE NOT HEARD ONE WORD BACK FROM STUDENTAID ABOUT MY FORMS. I UPHELD MY END OF THE BARGAIN BUT STUDENT AID IS NOT UPHOLDING THEIRS, THIS IS UNFAIR. I SHOULDNT HAVE TO ENTER A NEW REPAYMENT PLAN TO TRY AND GET CREDIT FOR MONTHS I SHOULD BE CREDITED FOR. THIS IS SO UNFAIR. THE GOVT BAILS OUT CORPORATIONS FOR MILLIONS OF DOLLARS BUT IS OF LITLE HELP TO THE " LITTLE '' PEOPLE WHO MAKE IT POSSIBLE FOR THESE MULTI XXXX AND XXXX DOLLAR COMPANIES AND BANKS TO EXIST. I DESERVE BETTER. THE PEOPLE OF AMERICA DESERVE BETTER. WHERE ARE MY ANSWERS? WHERE IS MY RELIEF? I'VE DONE MY PART, I'M TIRED OF BEING TOSSED TO THE SIDE BY STUDENTAID AND XXXX CUSTOMER SERVICE. ENOUGH IS ENOUGH.
Product: Debt or credit management

I have already filled a complaint with you regarding tomo boost about closing an account with them.The complaint was closed because they stated account would be closed now there trying to still withdraw money from my checking account without any authorization.this account is paid in full nothing is owed and I have already filled a complaint I want this account closed permanently please help tell them to stop trying to withdraw money after they stated account would be closed please help.
Product: Debt collection

I received a collection notice from ERC dated  XXXX / XXXX / 17  in the amount of {$610.00}. I placed a call to ERC  XXXX / XXXX / 17  to make payment arrangements on the account. After I had discussed the payment arrangements, I then checked my credit report. The credit report verified that a Collection account from ERC was placed  XXXX /2017. The letter that I received from ERC dated  XXXX / XXXX / 17  was 30 days after the collection account was placed on my credit report, ERC did not notify me prior to placing a negative item on my credit report and did not allow the time to satisfy the account prior to reporting the collection account. ERC should allow 30 days notice to consumers before reporting negative items on credit reports. With the negative impact this account has had on my credit report, it will prevent Homeownership due to lower credit scores, it will also prevent employment opportunities that would allow for advancement to my career. This has a tremendous negative impact to many aspects of my life. I should have been give the opportunity to resolve the account with ERC prior to the negative reporting.
Product: Debt collection

5TH REQUEST PLEASE SEE ATTACHED FTC REPOERT. IVE NEVER DONE BUSINESS WITH NCA OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPAMANY. THIS ACCOUT IS FRAUDULENT AND NEEDS TO BE REMOVED.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently noticed a collection account from XXXX XXXX which I have no such account as described in the reporting to the credit bureaus. I know this must be Identity-Theft or a serious error on their part. I am not the owner of such an account with XXXX.
Product: Debt collection

After reviewing my credit, I noticed Midland Credit Management placed a collection on my credit. I sent a debt validation letter on XX/XX/2021, immediately after noticing the collection. The letter sent clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/XXXX, with a letter notifying them of their nonresponse and their responsibility to comply with the law regarding collections. Midland is now in violation of FDCPA rules.
Product: Credit card

I was issued a credit card by Fifth Third Bank that I did not apply for. I had co-signed a checking account for my XXXX mother about five years ago because she had trouble writing after her XXXX. She passed away XX/XX/XXXX. I notified the bank and they closed her checking account, but told me I need to call a special department at Fifth Third to get her credit card closed. It took me about 8 phone calls to get in touch with the department, as it appears there was only one man working there. I had to send her death certificate, which I did. 
About a month later, I received a credit card bill with my name on it. I had not applied for a card. It had finance charges. Evidently, my mother 's account, after being closed for four months, had been hit with a charge from her insurance plan ( that had also been cancelled ). Instead of refusing the check, the bank decided to charge my erroneous credit card ( the one I did not apply for ). I called the bank, they apologized and told me if I brought in {$47.00}, they would reverse all overdraft fees. I had to drive to the bank and do that. A month later, I received a credit card bill with fees and interest. The bank has received at least XXXX phone calls from me as well as faxes, in person visits, and escalated supervisor calls because I started receiving statements for finance charges for an account I did n't open. I 've spoken now to XXXX different representatives who apologize profusely, say the card will not incur any more charges, and yet every month, it happens again. It is now XX/XX/XXXX. I received a statement on XX/XX/XXXX ( and numerous subsequent emails ) saying there are now {$21.00} in finance charges. I am so, so angry. I never applied for a card. I did receive a credit card back when the checking account was first opened, but I shredded it because I did n't want it. It has never had a charge from me on that account. I do n't know why the bank paid out on a check that hit their bank four months after my Mom died, then charged it to a credit card they had opened in my name. When I spoke today to a representative, they said that Fifth Third would never do that. Well, they did. For the fourth time, I 've been told that the account is closed and all fees reversed. They 've apologized over and over. I do n't believe them and I am out of my mind with frustration. How can they do this?
Product: Checking or savings account

XXXX I have a new debit card I was going to use. The card was sent to me from the company and assured me that all direct deposits would go on that card. I had one direct deposit that was going to be deposited into their Bank at XXXX in the morning it was from social security. I don't have physical checks so I usually write a cashier 's check or a money order to pay my rent. Well the card was declined. The interesting thing about this new card was that my picture was on the face of the card for the first time ever. So I stepped out of line to call the bank and discovered that there was a block put on my account furthermore I was directed to the fraud department who explained to me that there was a transaction that took place without my consent and that's why the card is being blocked. Didn't call me beforehand they didn't they left me feeling as if the transaction had already been taken care of. In any case I would have to call back the next day and talk with somebody at the bank or should I say debit card company. I was on the phone with them for hours on the XXXX and I felt like I was being trifled with the woman I talked to could barely speak English to me I didn't understand most of the things that she was saying she had somebody standing behind her giving her direction. I thought that this issue would have warranted something more than a training session. When I got out of it was if there was three transactions that occurred with three different companies an approximately $ XXXX {$500.00} have been taken out of my social security check to pay for this and I would not get that money back unless I agree to the investigation which is ongoing I guess. I feel this is all the information that you are requesting of me about the complaint so I will stop here and wait for you to advise thank you
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$770.00} with XXXX XXXX XXXXXXXX Account # XXXX I do not have a contract with XXXX XXXX XXXXXXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on my consumer report as a chargeoff. A chargeoff is a worthless debt, a non collectible debt, I've not received a 1099-C for income being reported on my consumer report. This is a violation of my consumer rights. 5usc552a privacy law broken and should be removed in 4 days. 
15usc1681a-4 privacy obligation not kept. 
15usc1681b no permission to place on my consumer report. They didn't have my written consent to place a item on my consumer report. They have never produced a wet ink signature within 15 days of the dispute as proof of ownership of the account. 
Each violation is {$1000.00} and or prison for 2 years for placing these on my consumer report.
Product: Credit reporting or other personal consumer reports

Security freeze has been placed on my file and I want it lifted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The {$87.00} balance was paid in full. I have provided documentation to XXXX to dispute and they were useless. I'm attaching the email in which they state the balance is paid for.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I checked my personal credit report, which I acquired from your organization ; and I noticed that this unauthorized inquiry had been made : 1. The following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

I contacted who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A. States that 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 consent If you have any questions or concerns I can be reached at XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my disappointment with the initial attempt made to remove fraudulent items from my account. 

Unfortunately, the initial attempt to address this issue has been inadequate. Despite providing all necessary documentation and details to support my claim, the resolution process has been slow and ineffective. The fraudulent charges remain on my account, causing me considerable stress and financial burden. 

As a loyal customer, I expected a more efficient and proactive response from your company in resolving this matter. The failure to promptly remove the fraudulent items from my account has not only compromised my financial security but has also eroded my trust in your company 's ability to protect its customers from fraudulent activity. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account and provide me with clear communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Issues with Home Point Financial, XXXX XXXXharging us for additional insurance coverage that is not needed and a duplicate coverage for a condo located in XXXX, XXXX. They started charging us in XX/XX/XXXX. Weve spoken to the mortgage company and they admitted their mistake and stated they would refund and correct our monthly payments. Its now XXXX, and theyre just giving us any silly excuse to not pay and correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice inaccurate and incomplete items on my account from TRANSUNION, XXXX, AND XXXX  and sent them dispute letters regarding the negative items they are reporting on XXXX.i haven't gotten any response thus far with those companies and i also attached copies of the letters below.
Product: Checking or savings account

2 weeks prior to XX/XX/XXXX i bank with chime/XXXX they asked for a w-9 saying irs requested if i didn't submit my account would be closed. On XX/XX/XXXX my direct deposit was deposited and followed by account closure. this has happened to over 223 other people on same day. However i cant contact anyone through support nor will anyone respond to my emails, i am behind on loan and car note due to this inconvenience, i was told i would receive a check with remaining balance in mail within 30 days ... can you please help me get my money back
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. I did not give my authorization. I am writing your office today because I am a victim of fraud. An unknown individual used my personal information in the past to obtain credit from XXXX  XXXX XXXX without my knowledge or consent. I filed a complaint with XXXX XXXX Police department and I attach a copy of the card containing the case number with this letter. 

This matter concerning the XXXX  XXXX XXXX account has been resolved with Equifax in the past and reposted again recently by the creditor. It is illegal for this information to be reposted in my personal credit file when it was deleted and blocked in the past due to fraud. Please delete and block these fraudulent account from my credit report as they are fraudulent information. I'm expecting that the credit bureau will help me with this matter, I want to thank you in advance.
Product: Credit card

I requested a credit limit increase on my Bank of America card. The increase was refused with the bank claiming I had 16 new cards opened in the last 24 months. This was false. I viewed my credit report and there are only 5 new cards opened. I confronted Bank of America with this and they admitted their system failed and their decision was based on incorrect information. They still refused the credit limit increase.