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

There was a fraudulent charge on our account on XX/XX/2021 for {$110.00} at XXXX in XXXX XXXX and we have been disputing this with our bank for weeks and our claim continues to be declined because we " can not prove '' that we didn't make a purchase ... again, declined because we can not prove that we did not make a purchase. We have explained over and over to the bank that the card in question was not used, and the only card used to purchase anything at that XXXX was on the main account holder 's card for about {$55.00}. They are accusing us of fraud for {$110.00} while we're agreeing that all other purchases made that day were approved ... does not make sense and they are not willing to work with us at all on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX after receiving a full payoff from their sister insurance company ( XXXX XXXX ) for the vehicle loan, falsely reported the account as delinquent two months later.
Product: Debt collection

Sometime between XXXX and XX/XX/2019 I went to make a large purchase, they ran my credit and it was brought to my attention that " XXXX XXXX '' or " IQ Data International '' put a $ 22,000+ collections account on my credit file, stating that the account was opened in XX/XX/2019. During which time I did not live in the state of Minnesota. I have not, to date, received ANY correspondences regarding this alleged debt owed. Between XX/XX/2019 and Present, the amount owed mysteriously changed from $ 22k+ to now showing as $ 11k+. In XX/XX/2019, I filed a dispute with all three major credit bureaus, XXXX, XXXX  and XXXX XXXX. Since then, XXXX XXXX and XXXX  have both investigated and determined that said account does not belong to me and have removed them from my credit files completely. To date, I am still in a back and forth battle with XXXX. They refuse to remove this inaccurate reporting from my credit file. I would like to note, I have zero collections accounts on my credit file with exceptional payment history on all open accounts. This fraudulently reported account may hinder my home buying process. Please advise.
Product: Debt collection

I have disputed the following account XXXX with Navy Federal they removed the account in XX/XX/XXXX then in XX/XX/XXXX put the account back on my credit report. Under another number XXXX. The reason I have a problem they are not reporting the account correct on my credit file. On all three bureaus the account number should report the same there is all type of inaccurate information that I have pointed out to Navy Federal and they are ignoring me. If you look at the Credit screen shot in which I have included with this email the inaccuracies are in violations of my FCRA rights. Transunion is reporting the account number as XXXX and Experian shows XXXX, Date opened XXXX displays XX/XX/XXXX and XXXX  shows XX/XX/XXXX, it is in violation for a closed account to show a payment. Date of last activity XXXX  displays XX/XX/XXXX and XXXX  shows XX/XX/XXXX. Date of last payment XXXX  displays XX/XX/XXXX and XXXX  XX/XX/XXXX when you can clearly see on my report that my last payment was XX/XX/XXXX XXXX  shows OK but XXXX  shows 30 days late. XX/XX/XXXX made a payment XXXX OK, XXXX  shows me 120 days late. XX/XX/XXXX XXXX show me 120 days late but XXXX  shows 90, made yet another payment in XX/XX/XXXX XXXX shows me 30 days late but XXXX  shows OK, XXXX shows the same things XXXX  payment OK but XXXX  shows me 60 days late and if you look at XX/XX/XXXX I was 120 days late but in XX/XX/XXXX XXXX shows me 120 days late and XXXX  reporting 150 days late. All these inaccuracies are in violations of my FCRA rights. I have requesting a 1099-C debt of cancellation they ignored me and took the account off my credit only to put it back on under another account reporting worst than it was. I am requesting this file to be removed from my credit file or provide me with a valid investigation including payment records.
Product: Mortgage

The new servicing company did not send out their notice no less than 15 days PRIOR to them receiving the transfer. They are now telling me the Federal law states they have up to 60days AFTER transfer to send me a letter. They are refusing to take my payment ( s ), give me date when they will start accepting my payment ( s ). They said I would just have to wait till they sent me a letter and called with the info, but would take aporx 60 days! I should just " hold on '' to my payment till then ... There is something fishy about them, it 's like they are wanting you to get behind or something. 60 days would cause it to show late on my credit report and I 've NEVER been late with my mortgage before and do n't plan on it either!!! 
CSR : XXXX her XXXX : XXXX : XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit file and would like then removed. Providing you with identity theft report. I have already provided a police report. XXXX and XXXX had removed the XXXX ONEWALL account and I am requesting that you also remove
Product: Debt collection

the bill was for {$16.00} to XXXX  XXXX and it was paid on XX/XX/2022 check number XXXX and today I receiv ed this transworld systems inc trying to collect the debt reference number is XXXX. 

I have a copy of the check that has already been cashed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following hard inquiries listed on my credit report. I have reviewed my credit report and have found these inquiries to be inaccurate and unauthorized. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries and remove them from my credit report as soon as possible. 
Below is a list of the disputed inquiries : Creditor Name : XXXX XXXX Date : XX/XX/2022 Creditor Name : XXXX XXXX XXXX XXXX XXXX I did not provide authorization for the company listed above to access my credit report, nor do I have any recollection of initiating any transaction or applying for credit with them. Therefore, I am concerned about the accuracy and validity of this inquiry. 
Please conduct a thorough investigation into this matter, including verification of the legitimacy of the inquiry with the respective creditor. Under the FCRA, I understand that you are required to complete this investigation within a reasonable timeframe. 
In accordance with my rights under the FCRA, I request that you provide me with verifiable proof of your findings and actions taken. If the disputed inquiry can not be verified or is found to be inaccurate, I request that it be promptly removed from my credit report. These are hard inquires are only shown on one credit bureau, which is Experian. 
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card

On XX/XX/XXXX my wife had forgotten her wallet at home in XXXX while we were in XXXX XXXX waiting to board a cruise ship for a family vacation. 

We had an XXXX pickup the wallet from our home from grandparents which included the credit card, driver license, etc. This driver had the wallet between XXXX to XXXX ( per receipt with XXXX ). 

I received a notification that there was a suspicious charge on the card in the wallet from a business ( " XXXX XXXX XXXX for {$530.00} ) around this time. I specified that the charge was NOT authorized and declined the charge and began the fraud claim process. My cards were immediately deactivated. 

On XX/XX/XXXX BofA applied a temporary credit on the account for the above charges On XX/XX/XXXX I received that BofA has decided that my claim of fraud on the card due to the card being used via mobile wallet. The charge had also changed from the initial {$530.00} to now a {$710.00} I called in on XX/XX/XXXX called in to request to re-open the investigation, as I clearly hadn't made the purchase and had reported the charge as fraudulent. The BofA agent informed me that the claim was re-opened for further investigation after taking notes. 

XXXX an hour away from XXXX where the charge claims to have happened 2. Not in possession whatever the mobile device ( as BofA couldn't say what card or device made the payment ) 3. The merchant name and location has changed repeatedly since 4. the receipt just says " tax '' on it and nothing about the merchant or merchandise 5. Is clearly sometime kind of mobile pay or card number guessing fraud with either XXXX, XXXX, or with BofA On XX/XX/XXXX I noticed that on the website and on the mobile app, my claim still showed as " completed ''. I specifically called in to request that they extend the temporary credit through my statement closing if it's still open and under investigation, which was denied due to the current state of the claim. 

As of XX/XX/XXXX I have not received any updates or credits on my accounts and any human being who would've looked at the additional information would see that this is somekind of credit card fraud. 

My complaint : It looks like BofA is 1. Not preventing fraudulent charge when reported at the time of transaction ( instead allowed it to proceed and hit my account ). 2. Using a terrible automated fraud claim rejection tool that seems to automatically deny fraud claims on favor of the Bank even when at a cursory glance, it obviously looks like fraud.
Product: Mortgage

I received a 1099 C Cancellation of debt for this account years ago. This is an old outdated account past the retention period. This account must be removed from my XXXX Credit Bureau as it is causing me irreparable financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Upon reviewing my reports, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital one bank XX/XX/2022 Somebody tried opening an account in my name
Product: Debt collection

I filed a FTC report with Sequim Asset Solutions letting them know that I was a victim of identity theft. They have not removed the account from my credit after the request by the way if the FTC report.
Product: Checking or savings account

I have never had any business with PNC Bank. I received notices that at least 3 new accounts were opened in my name. The customer service telephone numbers provided to report fraud were worthless because hold times were interminable. Finally, I visited a local PNC branch and the manager was somewhat helpful in reporting the fraud. 

I requested information about what private information of mine PNC had fraudulently obtained and presumably still had archived. In response, all I received was a bunch of perfunctory account closing reports with condescending correspondence about how PNC was pleased to help me solve MY problem. 

I had no problem! PNC had a problem in that they had established policies that made it easy for perpetrators to open fraudulent accounts even though it would be easy to institute anti-fraud safeguards. Instead, they opt for expediency, presumably to facilitate higher profits. This creates innocent victims of fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer services, which violates the Costumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation XXXX These auctions have cause signification inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unfair items on my report. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. You HAD 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). It has been well OVER 60 days! Under the FCRA, unverifiable accounts must be removed. I demand these accounts to be REMOVED before legal action is taken.
Product: Payday loan, title loan, personal loan, or advance loan

i make my payment every month on time XXXX on the XXXX. the company XXXX XXXX has me set to pay XXXX. When I pay the XXXX my balance never changes. With tax and interest I still owe XXXX. I should only owe about XXXX. I will never get this loan paid for at this rate with them saying I'm just renewing the loan. They set my payments at XXXX so that should be my paydown rate. this is just keeping me paying for the loan over and over and eventually I will lose my car. please help.
Product: Credit card or prepaid card

My name is XXXX I am currently an adult living with XXXX XXXX XXXX. I have had 2 credit cards from chase for almost 2 years. My mom who is also my guardian assisted me on multiple occasions put my account on auto-payment. My United Airlines card stayed on Auto-pay but for whatever reason the Auto-Payment on my Chase XXXX XXXX keeps coming off on its own and Chase keeps charging me late fees on my card I have a total of 9 late fees at {$40.00} each totaling {$360.00} and interest is extra. My current balance is {$770.00} so the late fees is half my bill. Chase also lower my available limit as well on my cards lowering my credit score due to it looking like I was at 80 % usage in my card when I was actually only at 30 %. Chase also put a late fee on my credit report in the month of XXXX due to my Auto-Payment being turned off. I have never had a late fee on my credit report on any of my accounts it once again lowered my credit score. I can show proof that due to chase my score went from 740 to a 680 When my mom tried to assist me with resolving it they refused to speak to her even though I gave permission. One of the reps even hung up in her face.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter for the XXXX XXXX XXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately.

According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681b and to limit the furnishing of consumer reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, the XXXX XXXX XXXX  account number is not reporting the same for all 3 credit bureaus. These violations have caused damages in my familys life. I would like for this entire account to be deleted. 
Here is my account information to us during the investigation into this matter. 

XXXX Account Name XXXX XXXX XXXX XXXX Account number : XXXX Reason : inaccurate information and failure to update Equifax Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same. 

XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same.
Product: Debt collection

I received a letter from the company dated XX/XX/20 that my account was sold to the company. 

I wrote a letter to them disputing and asking for verification XX/XX/20 and emailed it to them XX/XX/20, with my name, my address, the account number listed on the notice, etc.This email was listed on the back of the notice. 

On XX/XX/20, I received an email that they received my email and someone would respond shortly and gave XXXX # XXXX. 

Response came on XX/XX/20, in which a person/agent named XXXX ID : XXXX stated they would need my account number, my name, my phone number, address, and SSN. All of these items minus my SSN and phone were in my letter. 

I responded via email that I would not be providing those two pieces of information, one because I don't want a collection agency to take or sell my SSN, as I have heard happened to others, and my phone, because they could use it to harass me with calls. I stated that the letter contained adequate information to address the complaint. a receipt of my email was received that same day XX/XX/20. 

I then received an email response XX/XX/20 from agent XXXX ID XXXX, stating they wouldn't be able to help me and that I would have to call into them to find a resolution to my dispute and would not continue in writing as requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX Trans Union Attn : Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX : Letter of Authorization Dear Sir/Madam, I, XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX hereby issue this formal authorization to Trans Union to remove the following inquiries from my credit report : Inquiries : Date : - XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have recently communicated with a representative from Trans Union who has provided guidance on the necessary procedures for such requests.

I request that immediate action be taken to remove these inquiries from my credit report to ensure its accuracy and integrity. 

Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received my XXXX 's credit card statement, which was a surprise since I paid the card in full the day I received the XXXX XXXX 's statement. To my surprise, XXXX 's charged me {$2.00} interest on XX/XX/XXXX on a XXXX balance. 

When I called in to them they stated it was for the time between when my statement came out on XX/XX/XXXX, though I was not electronically alerted of my statement until XX/XX/XXXX at which time I paid the balance in full. I had asked for paperless statements so I would get them faster, so there should be no reason I can't get a statement from XXXX the same day they generate the statement. 

I have a few problems with XXXX XXXX and the way they send out statements & charge interest on balances that have been paid in full prior to their due date : 1. They charged me interest on my XX/XX/XXXX statement balance of {$0.00}. Regardless of the fact that on the XX/XX/XXXX statement showing what is due in total in order to pay the account in full by the XXXX due date. 
2. They did not inform me that my statement was available on XX/XX/XXXX until XX/XX/XXXX and then they charged me interest between XX/XX/XXXX-XX/XX/XXXX when I was sent an email that my statement was available. 
3. Additionally, how is it legal to have 4 days pass between when the statement is generated and when a consumer is made aware that it is available and during that time the company charges interest. If that is the way they do it, then my interest should be accruing interest and the consumer would never pay their account in full. Their statements do not come out on the same day, so for me to know which day they would calculate it is not reasonable. 

It feels like XXXX 's does this to see what they can get away with. The interest charged is a small amount, mine was {$2.00}, but more to the point is if you don't question it they will just let you pay it.
Product: Mortgage

I have been paying my mortgage lender Quicken Loans on the same date since the inception of my loan via automatic withdrawal Suddenly two months ago XXXX my bill for my loan reflects that I owe two payments and I am one full payment behind. The loan service representative assured me I do not owe two payments. She then stated that quicken loans changed the date that they process the bill and therefore your bill will always appear as over due. This is unacceptable to me as Ivhave never payed payments out of the grace period. And although the bill do not show that later payment fees are due. But it states I owe two payments. After seeing how the banks and lenders previously took everyones homes during the mortgage crisis about 10 years ago ... I am concerned about predatoryvaggessive collection set up whereby it would reflect if someone such as myself fell behind in one paymentbit would show I was behind And owing 3 payments. You should look in to this. Is it legal to change the condition of a loan such as the payment processing date so people are two months behind in payments? I am going to contact legislators to inform them of my serious concerns. Please respond.
Product: Checking or savings account

They will not allow verification of funds, took over 30 days to release my funds