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

In XXXX I received an email from Synchrony about my automatic payment. I opened it up and saw they pulled the entirety of my card balance out of my account. I called immediately because that was not how I set up my automatic payments. They said they could not refund the money at that point. They said they would turn off the automatic payments for the future. My checking account was negative. I called my bank and they thankfully put a stop payment on it. 

The next month it pulled again. My checking account was negative again. I spoke to a chat representative who said he could only refund {$50.00}. Which did not make sense as it had just pulled over {$500.00} from my account. I said that was unacceptable. He abruptly said " sorry '' and ended the chat. I called in at that point and spent over an hour on the phone. The rep I spoke to saw that the notes indicated I had stopped my auto payments but it was still on. They issued a check to me ( I had assumed it would be an echeck ) but then stated it would take 15 days. I asked them to cancel that and I would again call my bank to put another stop payment on it. I spoke to XXXX different reps during that time and XXXX of them stated they would cancel the check. 

I check my balance the following month and see that they have added the check that they assured me they would cancel to the balance I owe. I have since had them remove it but I'm afraid it will incur interest for the time it spent on my balance owed. If they can take payments out electronically, they should certainly be able to refund automatically. This feels shady, an they do this to many others, and they get to ( probably ) collect interest on these amounts for the 15 days we wait for a check.
Product: Credit card or prepaid card

well me and my family are victims of the "campfire" that destroyed our home and belongings and since the fire we've been living in a R.V and a generator was donated to our church that in turn was givin to us brand new.XX/XX/XXXX the generator began to fail mechanicaly so i returned it to the dealer which in turn refunded me about XXXX but since it was only XXXX XXXX when i returned the generator the store didnt have enough cash in the store to pay me in full so the manager asked if i had a debit card that the refund can be forwarded to and i only had a Paypal prepaid debit card on me so i gave it to the manager and he said the refund should take no more than 72 hours to process.Ater 72 hours passed i attempted to make a small online order and found out that PayPal froze my account bcs the generator i had refunded to the card wasnt originaly purchased with the card therefor it was flagged for suspition...i have tried numberous times to have this resolved and there treating me like a criminal and ive even offered to send them the original reciept from the refund and explained it was imposible to get the original reciept when the item was purchased bcs i did not purchase it i recieved it by donation doe. to me and my families situation .i feel there being unreasonable especially since ive never had any issues before with "suspicious activities"
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request the removal of the fraudulent accounts and information from my Credit File as soon as possile. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} XXXX XXXX Balance : {$8900.00} XXXXXXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXXXXXX XXXX XXXX Balance : {$6600.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My mortgage loan servicing has changed too many times. My former company, whom I hate, ( United Security Financial Corp/XXXX ), sent me a letter informing me that XXXX XXXX XXXX XXXX will now collect my payments. United Security / XXXX XXXX will no longer accept my payments as of XXXX XXXX. Today is XXXX XXXX and I have not received anything from XXXX notifying my of the changes let alone the terms or anything else. While I am happy to leave United Security / XXXX XXXX because they charged me two whole months worth of mortgage payment and still left {$1500.00} unapplied for some unknown reason that even their own customer service department ca n't explain, I still need cooperation from RoundPoint. I can not make a payment without an account number. I am sick and tired of my mortgage loan being sold and resold over and over without my permission. This should absolutely be illegal and it is unfair to the consumer, especially those of us who have NEVER missed a payment.
Product: Mortgage

Due to the following violations : UDAAP : Deceptive and abusive practices when servicing the loan, calling in to obtain loan information and location of the loan. 

Regulation Z - Prompt payment crediting and payoff statements ( 2013 TILA Servicing Final Rule ) and federal law that states that a mortgage servicer is required to provide a payoff within 7 business days. We are far past the 7 business day mark to provide a payoff and errors being fixed. Because the ball was dropped with the loan modification on US Banks behalf and XXXX had no such knowledge of my 2nd mortgage to provide a payoff to us. Also, the paperwork we received is inaccurate if XXXX had no such knowledge of said mortgage. I have several emails of this going back and forth with XXXX. 

As a result of your negligence, violation of Regulation Z and inability to correct the errors from the onset of our communication with the loss mitigation department within allowable timeframes, Our remediation request is as follows : 2nd Mortgage/Partial Claim amount for XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, NV XXXX be released and no longer liable for said debt as there was no payoff that could provided within the 7 business day timeframe or within an understandable timeframe. Additionally, the mortgage was paid and satisfied according to US Banks representatives as of XX/XX/XXXX. 

Upon relinquishing my name from this debt, a letter to be provided confirming loan paid in full and satisfied sent to me via email. 

Kind regards, XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Additionally, We filed a complaint with XXXX XXXX Supervisor in the Loss Mitigation department on XX/XX/XXXX and it has been 6 business days since and we have not heard anything from any escalated department regarding our complaint and the regulatory violations we submitted.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXXXXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, XXXXXXXX XXXX conducted an inquiry on my credit report without proper authorization, thereby violating my rights under the FCRA. This unauthorized inquiry has adversely affected my credit score and my ability to obtain credit. Despite my efforts to resolve this issue directly with XXXXXXXX XXXX on XX/XX/year>, they have failed to take corrective action. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that XXXXXXXX XXXX complies with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several inquiries that were n't made by myself. I was n't aware of any inquiries. I was n't contacted by any companies nor credit bureau and I noticed an alert that inquiry was on my credit report. I sent in several certified letters over to the credit bureau all XXXX bureaus and received letters to only show that the inquiries and accounts were verified. I did n't get any letters, contracts or notified by any creditors or credit bureau to get any consent so that is breaking the FCRA laws. Several laws have been broken and I want to seek a civil suit against the credit bureaus along with the creditors advertising inaccurate information on my credit report. I have serval people in the United States that has the same name as me and I do n't think it 's fair that I pay the price for errors on behalf of credit bureaus and creditors.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. NAVY FEDERAL CR UN XXXX. {$2900.00} XXXX XXXX XXXX XXXX. {$490.00} XXXX XXXX XXXX / XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late in XX/XX/2020, I was informed via XXXX XXXX that an account of mine had gone for collection notice. I reviewed the Equifax report, I noticed the following : A company called XXXX had sent a collection agency notice to Equifax Equifax downgraded my score by many points 17 ( points pus ) There was an option where I could dispute the collection notice. 
Before I opted to dispute the credit reporting. I researched the source of the filing It appears that the original creditor was XXXX XXXX XXXX on an account that was opened in XX/XX/2020 for apparent cable connections o A balance of over {$300.00} was due I called XXXX and they had no reference on my name tied to any account I called XXXX XXXX and they had no reference on my name tied to any account I opted to file the dispute because I have no cable service. Opened an account with Equifax for the filing of the dispute NOTE : Reviewing and taking the above action steps took about 4 to 5 hours of my workday. 


On XX/XX/2020, I get an e-mail from Equifax stating that the dispute claim findings had been completed. The findings were the following : The results of the dispute were the following ( copied and pasted from e-mail received ) There was nothing asked of me to confirm debt, or anything whatsoever to the review filing, debt, etc. 
I have no idea what the purported re-investigation consisted of. 
o I ask that I be provided the proof of linking me to this account On XX/XX/2020, I called XXXX 3 times. 
o The first time ( a Ms. XXXX ) advised me ( after not being able to find my physical address ) that they were removing my phone number from collection calls because I did not owe them anything. 
FYI - I was never getting collection calls o The 2nd time after the phone call was failed I am again told that there my name is not tied to anything with XXXX or XXXX o The 3rd time I speak to a Ms. XXXX who told me to call back on Monday After the XXXX call, I call XXXX XXXX ( after researching that they are the XXXX division behind the original debt. 
o XXXX XXXX was very friendly and courteous to the extent they could be. 
o XXXX told me that they could not find any link to my name with my address ( or known addresses ) Finally, seeing that I was not getting anywhere where with these companies, I opted to file this claim with the State of Oklahoma. 

On XX/XX/2020, at XXXX XXXX CDT, I decide to view my credit card details, and it appears that a company called XXXX XXXX XXXX is now listed as the creditor. 

On XX/XX/2020, throughout the day, I spoke to XXXX  and I spoke to XXXX ( XXXX XXXX ) where I got nowhere with either company. Each company asked me to get the information from the other company, but neither company could provide any detail supporting the debt that was reported. 

I need help getting this cleared, or getting to the bottom of this. 

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

Once again I'm filing a compliant into this issue with Equifax. I explain0ed to Equifax. on XX/XX/2022. I notice several incorrect issues with the report that was sent to me dated on XX/XX/2022. It shows that on XX/XX/2022 a payment was made and that is false. I tried to explain to Equidax that this account was dealt with errors because the vehicle was recalled. I gave thew notice to Equifax and othwer agancies but no one is doing anything about this issue. I will contiune to fight for whats right under the law of the government. Once again, I will send a letter emplianing the erors and isssues on this particulat account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed these account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature to see if there is a private law of action. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation. 

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these five unverified accounts as of today.
Product: Credit card or prepaid card

I was shopping online for cotton clothing. After my purchase, new items displayed ( cotton ) and I thought I was still on same site but in actuality, I discovered, after I made 2 additional purchases, that I was on a different site, namely XXXX. When I got the the first delivery I realized XXXX were scammers and contacted them to cancel the 2nd order and return the first. They wouldn't let me. They said the 2nd order is on its way, and I will only get refund if I ship to XXXX. I contacted Citi Bank to displute both chareges : 1. XX/XX/23, {$74.00}, XXXX XXXX WA, dispute # XXXX 2. XX/XX/23, {$89.00}, XXXX XXXX WA, dispute # XXXX Citi contacted the merchant and decided in their favor. 
I wrote Citi again explaining the merchant used canny methods to get me to buy ( pretending to be another company online ) and then wouldn't let me return the goods for a refund in a reasonable manner ( without paying shipping cost from US to XXXX ). 
I looked up the merchant on the XXXX and it has many reports of scamming, it has a rating of F, but still Citi sided with the merchant only because the merchant is wise enough to have all the required information to show the bank they are legit. 
I have been a Citi card holder for the longest time and I expect they will protect me in the case of such a scamming merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account has an unknown balance and does not belongs to me and they have the wrong last name on the account
Product: Credit card

I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$3300.00} XXXX of XXXX XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX XXXX {$1900.00} XXXX of XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$650.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX {$1100.00} These credit accounts and collections are the results of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I discovered a number of unauthorized inquiries on my credit report XXXX XXXX XX/XX/2024 XXXX  XX/XX/2024 XXXX XXXXXXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Have police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened my checking account with Citibank using my current phone number and email about 2 months ago. Within a week I used XXXX ( a program given to me through their website ) and they marked it as fraud, froze my account. I have called them at least 6 times, told them my social, DOB, security word, card number, pin answered all of the security questions and they still will not unlock my account. I went there with my social, birth certificate and drivers license and they still will not unlock it. They sent me a code that I have to retrieve but they sent it to an old address I have no access to anymore and that took 7-10 days. When I told them I didnt get the code, they told me they would send another and it would take another 7-10 days to receive. They also sent this to my old address. They have held my money from me for almost 2 months and keep me on a revolving cycle of sending me another code to an address I dont have. I didnt even have the address when I set the account up. They are picking random old addresses of mine to send this code too. I asked them to close the account, they told me no because its frozen. I asked them of another way to verify y account and their only answer is theyll send another letter. 

I have late fees on bills because of this. They are holding my money XXXX and then paying themselves a fee each month for holding it.
Product: Vehicle loan or lease

In 2021 i experienced financial hardship and requested for my monthly payments to be lowered due to it and my loan company has denied that request. I have went to several car dealerships and they have mentioned I was paying more for my auto loan more than any other car.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is obligated by FCRA to report accurate accounting, consumer has advised said company that ALL the inquires reported was fraud. EXPERIAN has 4 days according to LAW to remove such items, FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer. EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. If EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. I will be filing form 211 treasury omb form to audit consumers account, EXPERIAN is securitizing consumers data yet refuses to provide consumer a copy of their CONSUMER FILE. NOT A CONSUMER REPORT
Product: Credit reporting

Well I have a account with Credit Karma and before I was able to register my account a series of validation questions appeared stating that if I did or not have a mortgage loan in XXXX of 2010 and asking me what my loan amount was which for the record I have never owned a house bought a car or took out a mortgage also the next question was what was the company that I took out a auto loan / lease. Can you please remove these incorrect items from my credit file because it is wrong
Product: Debt collection

I am being harassed by a company called 1st Heritage credit out of XXXX Tennessee XXXX for an account my father owns. They are making threats to my wife and I stating we are liable for my fathers debt and our credit will be affected and our house will be repossessed. They are constantly calling my phone mumber demanding payment. They recently called my in laws demanding payment as well. The debt owed is between them and the my father and these threats need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Accounts have violated my rights : XXXX XXXX XXXX, Account # XXXX, Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX, Amount {$2300.00}, Date Opened XX/XX/2018. 

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

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