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

On XX/XX/2020 thing I will see from notice in the mail from Vystar credit union that it was my final notice and that my account has been overdrawn for 30 days and that I owed {$160.00}. I did not open this account. I live in XXXX Florida on the XXXX XXXX of Florida and this account is open in XXXX Florida, so I called VyStar credit union who put me in touch with spot investigations at VyStar and they told me to file a report from here and then to send them seven information, such as my drivers license and a written statement that must be notarized hearing that I did not open the account, and they also stated that they were already investigating this case.
Product: Credit card or prepaid card

I was receiving unemployment in the state of Nevada. They issued a debit card to me. It was good for a couple of months, but in XX/XX/2021 the account was emptied ( XXXX ). 
I called Bank of America. They made a report and said this is happening all the time right now. They cancelled the card and said they would replace XXXX provisionally ) the money while they investigate and issue a new card. The two withdrawals were from places that I have never been. I got the new card and continued to make my weekly claims via telephone. When i tried to activate the new card it said it was closed. I called BofA and they said the state froze the account. Nevada Unemployment ( DETR ) has not answered any of the phone numbers available for weeks. The phone goes straight to a message that says they are busy. I have tried everything ... BofA says Nevada is not responding to anyone and blaming BofA. They said Nevada DETR froze the accounts and that only DETR can act to solve the problem. BofA says that 75 % of all of their calls are about this problem right now and the state is doing nothing to get people their money or respond. One person said it is because the state did not want to pay for chipped cards. The old style cards can be " skimmed ''. 
Please help as the State of Nevada including the Governor 's office will not respond. I have also been told that the state representatives are threatening people that are complaining. If this is true, that is egregious!
Product: Credit card

In XX/XX/year>, I purchase concert tickets from XXXX and after credit card information was submitted they added charges. As soon as I realized, called the bank and ask them to block the payment which they refuse to do and instead asked me to start a dispute, which they have modified inexplicably. Since, we have called several times. Sent emails as well as physical letters by mail as instructed, talk over the phone, and they repeatedly send information saying that we have not sent the documentation requested. They have closed the disputes and provided no assistance.
Product: Money transfer, virtual currency, or money service

I've used Remitly to transfer money from my U.S checking account to my account with XXXX in XXXX where I'm engaged in real estate remodeling. I attempted to send {$1500.00} on the XXXX of XXXX, 2022. I plan was to use the money to pay for repairs being completed on a real property in XXXX as well as credit expenses. The money was to be transferred that afternoon. Up to the XXXX of XXXX the money was still not transferred. I phoned Remitly and their reason for the delay was that XXXX wanted to see my account statement which would need to be uploaded. On or about the XXXX of XXXX I uploaded my most recent bank statement and answered the reason for the transfer... business expenses. On the XXXX of XXXX the funds were still not transferred so I phoned Remitly again ; I was again asked the reason for the transfer and a copy of my bank statement. When I explained to the agents that I already provided the statement and answered the reason for the transfer I was then told that XXXX wants to see my income tax statement ; at that point I kindly explained that I am not requesting a loan from Remitly nor XXXX. I was told by the agent that " it's just for security purposes, '' to which I responded that I've had the same U.S checking account for the last XXXX years and I'm not under investigation with my bank, any U.S agency or any agency whatsoever anywhere so neither Remitly nor XXXX has any purpose investigating my account nor source of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, my husband and I hired Attorney XXXX XXXX to help us file Chapter XXXX Bankruptcy. We paid him XXXX from our joint checking account but still owed him XXXX to begin the bankruptcy process. 
We did n't have XXXX to pay him the full XXXX so he advised us to do cash advances on our credit cards, but informed us, " We 'd have to wait 3 months to file. '' Within two days we paid him XXXX in cash, but never heard back from him, nor did we ever go to court. 
All of our debt was paid in full despite the fact we never went to court, and our filing date was illegally changed to XXXX XXXX, XXXX, not the year we filed. 
Not only was the year illegally changed, there 's no case number listed on any of the documents, and the documents were changed to look like a divorce. 
I reviewed my credit report from XXXX, and it states, " We filed in XXXX, WI. '' which is part of the XXXX XXXX, not the district we would have filed in, nor do they have jurisdiction. 
I then reviewed my credit report from Transunion, and the have a XXXX address listed, not the court we filed in. 
Had our bankruptcy been filed legally and we went to court, we would have gone to the XXXX District which is located at XXXX XXXX XXXX XXXX, XXXX, WI. 
Bankruptcy XXXX was committed to cover up my husband 's legal last name, the illegal alias he 's been using, and the years of fraud committed because of his multiple identities.
Product: Credit card

Hello, I was set a letter by the indigo credit card I have. In this letter it states " To reject this change to your Cardholder Agreement, you must notify us before the change becomes effective. To reject this provision, you must notify us at XXXX or mail a notice within sixty ( 60 ) days from the date of this notice. if you notify us by telephone, you must speak with a live representative and provide your name, address and Account Number. if you notify us by mail, you must include your name, address and Account number and it must be mailed to our servicer at : Concora Credit Inc., Attn : Arbitration Provision, XXXX XXXX XXXX, XXXX, Oregon XXXX. These are the only ways you can reject this Provision. if you reject these changes, the Arbitration of Disputes Provision will continue to apply to your Account as currently in effect. '' So exactly as it states I called the number to reject these new terms being implemented. To my surprised not not only was I not able to reject this but they forced me to close my account. They told me I would have to close the account or accept the new terms. That in of it self i tyranny. I spoke to their supervisor and all I was told is that I would have to cancel the card or accept the new terms. I believe this to be outrageous, as a long term card holder.
Product: Debt collection

Portfolio Recovery Associates lead me to believe that if I paid two separate accounts that they would remove them from the credit reporting agencies. They have not removed them and they have also been improperly reporting them to the credit agencies. They are still listing them as in an open and unpaid status. They have been paid back in the summer of XX/XX/2016.
Product: Checking or savings account

Around XX/XX/XXXX, my account was locked by Citibank. Subsequently, I attempted to contact them to resolve the issue. They informed me that they would need 30-60 days to close all my accounts, including my credit card. Now that the allotted time has passed, I have not received any response. When I tried calling Citibank, I was transferred between four different departments, and in the end, no one seemed to know how to resolve the issue. They only informed me that my savings account was locked but not closed. I would like to inquire about what they have been doing during this approximately 60-day period. All my other bank accounts and credit cards are linked to the Citibank account, and this situation has significantly impacted my ability to manage my credit cards.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Experian, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.
Product: Checking or savings account

I created an account in Northwest Bank XXXX XXXX XXXX XXXX, XXXX, Indiana ( XXXX ) XXXX on XX/XX/XXXX and deposited {$2000.00} through cash advance from XXXX bank which has my direct deposit setup. I did XXXX XXXX payments to my my friends and family and every time I executed a transfer, the bank put my account on hold. I called and verified my identity as shown on the pop up message, they asked me to visit branch. I visited the branch and they verified my identity again, activated my account. During the next zelle payment, it went on hold again. Frustrated with the multiple bank visits to XXXX hold my account, I asked the cashier to withdraw my remaining balance. The bank put a hold on my account stating fraud because " I am trying to withdraw my own money ''. 
The questions asked by the analyst on the call : I would like to know the nature of your zelle transactions? 
Why did you create an account here? 
I wonder where the cash advance came from? 

In spite of providing bank statements and proof to the XXXX XXXX, my account is still on hold by fraud team and is being looked into. They are questioning my cash advance which was done after verifying my identity and debit card of XXXX bank. I am unable to withdraw my personal funds even after sufficient evidence is submitted and missed important payments due to this. The bank has been least helpful in resolving this and I am appalled by the unfair treatment and indicates discrimination. Kindly look into this and help me resolve this matter.
Product: Credit card or prepaid card

I have two XXXX branded credit cards with Chase. The first was opened in XXXX of XXXX, the second was opened in XXXX of XXXX. The first had an account credit limit of {$9500.00} and the second had a limit of {$2000.00}. Both of these accounts are used for hotel stays on business travel, as well as hotel stays for a XXXX XXXX group travel. In Early XXXX, immediately following a large payment made to Chase to payoff the balance of the 2nd card in preparation for a long trip which was scheduled and was going to require {$1500.00} of hotel charges they accepted the payment and then decreased the account credit limit to {$500.00} ( a 75 % reduction even though payment was always on time and almost always paying the balance off ). They refused to reconsider, and it created a hardship for me necessitating canceling part of the trip, and losing that business ( a likely annual revenue loss of $ XXXX XXXX. In XX/XX/XXXX a large payment was keyed ( {$6600.00} ) in payment of the first card. The payment was meant to be {$640.00}, but as it happened the mis-keyed also paid off the balance. At that point the credit limit was still {$9500.00}, so the available credit was close to $ XXXX, and was being used for travel for business. The company entered the payment, then immediately decreased the account credit limit to {$500.00} ( a roughly 95 % decrease in credit even though payment history is impeccable ). Again the company refused to reconsider, and when the payment was returned to them they are now holding the account, and reporting it to agencies, as well above the credit limit, which is having a serious impact on my credit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. 

XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number : XXXX  open date inconsistent and or duplicate account. 
XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX XXXX Account number : XXXX inconsistent. Not mine, do not have a contract with them. 


I also have 2 different social security numbers being reported on my Experian report which is impossible. My social security number ends in XXXX, but you have it has both XXXX, and XXXX which suggests these accounts may belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The mortgage is in my ex-husband 's name only because he purchased the house two months before we got married. Now since we are divorced the judge awarded me the house XX/XX/XXXX. I have tried everything to get the mortgage company Dovenmuehle Mortgage ( loan servicer ) to turn the mortgage into my name but they keep telling me my ex husband need to fill out the loan modification. I also mentioned the acceptance of loan modification based on me being the successor in interest but, I was told they will not accept it.

The reason I fell behind with the note, my ex husband was ordered to pay six mortgage payments last year to bring the mortgage current but he never followed the judge orders during our divorce. 
Currently, the mortgage is in default held by the holder XX/XX/XXXX. I was told by Dovenmuehle Mortgage I have 37 days fromXX/XX/XXXX to pay the default in the amount of {$7900.00} to satisfy the account or foreclosure procedures will take place. Since then I talked with the mortgage company and they informed me that another mortgage note was added in the amount of {$490.00} ( this is the normal payment ) but for the repayment plan the amount of the note was {$850.00} which became too much of a struggle to handle when my child support payments fell behind. 

I need Dovenmuehle Mortgage to immediately turn the mortgage over to me ( as being the successor in interest ) with the normal payment put back in place and whatever amount is in default add it to the back end of the loan.
Product: Debt collection

I received a letter from Financial Recoveries located in XXXX XXXX NJ. The letter stated that I owed {$40.00}, I called Financial Recoveries at XXXX and spoke with a XXXX and when he answered the call he stated that I was reaching the office of XXXX I could not make out his last name. However he misrepresented himself by not saying that I reached Financial Recoveries. I asked XXXX for an itemized bill and he told me that first they did not have a copy of the bill and that if I wanted a copy that I would need to put my request in written. I explained to him that I work in the collection industry and that they needed to provide me with a copy of the bill whether it is a verbal or written request for proof of the debt. After getting no where with XXXX I asked to speak to his manager and he told me to have a nice day and hung up on me. 

I then went on the internet and got another number for Financial Recoveries XXXX. I spoke to a XXXX XXXX and again when I asked for a copy of the bill he told me that the bill was for a Doctor XXXX XXXX and I explained to him that I paid that bill he then stated that they did n't have a copy of the bill and that I would need to request that in writing. I explained to XXXX that I work in the collection industry and that whether my request for proof of the debt was verbal or in writing that they needed to provide it to me. After XXXX kept over speaking me and telling me that is not the case I asked to speak to his Manager, I was put on a brief hold and XXXX came back on and said I spoke to my supervisor and he told me that what I told you was correct. I then said to XXXX that is no what I asked for I asked to speak to your Manager after several minutes of going back and forth with XXXX I lost my patience because he would not let me speak and when I asked for his Manager again he then hung up on me. 

I then called the doctors office I believe this bill is associated with at XXXX and they gave me the phone number to their billing service in XXXX Pa I called XXXX. I spoke to a man named XXXX XXXX he told me he could not find any bill listed for myself. XXXX then gave me the phone number to customer service XXXX. I called and spoke to an XXXX XXXX he also stated that he could not find any bill paid or unpaid bill listed under my name or social security number. 

XXXX gave me a number for the physician 's billing service and gave me a number to a XXXX XXXX XXXX, I called and left XXXX a message and am waiting to hear back from her.
Product: Credit reporting or other personal consumer reports

The car has a design flaw and needs a {$12000.00} repair. The car was paid in full but is reporting as charged off on my credit report. My account is showing as paid in the system but not reflecting as paid on my credit report. 

I requested several documents and information from them via certified mail with no response : I requested : 1. A loan satisfaction letter as the loan is paid in full, 2. The XXXX form from XXXX releasing title of the vehicle, 3. The 1099-C that was supposed be issued when a debt is charged off with the IRS required by law for debts over {$600.00}, 4. A full account and payment history.
Product: Debt collection

Legal Basis for Dispute 1. 15 USC 1681c ( a ) ( 4 ) : Prohibits reporting of charged-off accounts beyond the permissible reporting period of seven years. 
2. 15 USC 1681s-2 ( a ) : Requires furnishers to ensure the accuracy and integrity of information reported to consumer reporting agencies.

3. 15 USC 1681i ( a ) : Mandates reinvestigation of disputed items by consumer reporting agencies within 30 days. 
4. 15 USC 1692e ( 8 ) ( FDCPA ) : Prohibits debt collectors from reporting false credit information, including failure to mark an account as " disputed. '' 5. 12 CFR 1006.34 ( c ) : Requires debt collectors to provide validation information for debts reported to credit bureaus, including original agreements and payment history.

6. 12 CFR 1006.6 ( c ) : Limits communication regarding disputed debts and requires cessation of collection activities unless validation is provided.

Dispute Details and Requested Actions The charge-off reported on this account is inaccurate and unverifiable.
Product: Credit reporting

I have disputed several inquiries with TransUnion Credit Reporting Agency and unfortunately their customer service would not help and take care of the negative inquiries reporting to your credit report. 
Please see the below inquiries that I sent in to be investigated and deleted from my credit file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all three credit bureaus, Trans Union, XXXX, and XXXX that this account is over seven years old. This account should have been deleted as of XX/XX/1923 ones. Ive contacted all of the credit bureaus inquiring on the deletion of this account at that point target made the account a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

First I was contacted by company XXXX XXXXXXXX XXXX XXXX on the XX/XX/19. 
Ive been told by person from this company that I owe Best Buy money. I told that person that I already paid twice for Best Buy. He contacted the last agency that have received a payment from me. He said that he has a completely different account that he has on file. He offfted me settlement of {$1000.00}. I unfortunately do not remember how much was the original balance. I paid the settlement. Today I received a call from ( XXXX ) XXXX, transcript of the voicemail ; XXXX ________ this is ______ XXXX at attend a ______ in XXXX County contacting you in regards to some legal documentation that does require your signature you will need to make yourself available immediately I am assuming you will be at a place of employment at this time so I will head there first if I can not locate you there I will be going to the home address on file with that being said this is a very time sensitive matter so if you have any questions concerns or you need to reschedule delivery ____ filing party immediately at XXXX and give them case number XXXX I called the XXXX number and provided the case number. After a hike Ive been told by a woman that I have to pay balance with Best Buy or otherwise I will face legal charges. After a lot of holds they offered me a settlement of {$2700.00} and I asked if I could divide payment. I only could pay {$1000.00} today, they told me that I have to pay around {$350.00} and in 30 days the other {$1300.00}.