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

Today is XX/XX/XXXX I got a call today from the US Bank about my overdraft I've been trying to figure a way to get that paid off at all screwed up on a XXXX XXXX and still trying to figure it out but with my hours getting cut at work going down 2 days a week I'm getting paid like XXXX bucks an hour and XXXX hours a day so it's only {$140.00} and I got like a {$250.00} to pay off by XX/XX/XXXX and are going to foreclose the account and report it to check
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have credit inquiries that I have asked to get removed from the credit bureaus and to no avail they have not been removed as yet. To my knowledge I did not authorize these credit inquiries to be on my report. 

The following are a list of those inquiries that I did not authorize : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( 3 times ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank I also have a collection account from XXXX XXXX that was sent to XXXX XXXX XXXX, this was resolved with XXXX but is still showing on my report I have asked for this to be removed as well and to no avail it is still showing on all XXXX credit bureaus. 

Please help me to get these removed they are hindering me from repairing my credit.
Product: Money transfer, virtual currency, or money service

I had my tire changed couple weeks ago. And my insurance company sent a check to me for XXXX dollars. But I never got it after 3 weeks of waiting, I called them today and found out my check has already been cashed out by someone else to his/her TD bank account. Ive talked to both my insurance company and TD, and i didnt receive any solution from them except apologies. I have a copy of the check that has been cashed out by someone else, sent by my insurance company. And I will upload it
Product: Credit reporting or other personal consumer reports

Basis for dispute : Account Name : XXXX XXXX / Account XXXX : XXXX **Inaccuracy of information. The Account information reported is incorrect. 
Date of Last Activity : Different dates : XX/XX/XXXX ( Transunion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). Date Opened : TransUnion shows XX/XX/XXXX and XXXX and XXXX show XX/XX/XXXX, Closed date : Only reported for Transunion and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Credit card or prepaid card

On XX/XX/XXXX, {$980.00} was stolen from my wisely prepaid card provided through my employer while I was at work. The purchases were made in 2 different cities I do not live nor work in. They give you 10 days from when the claim was filed to send in all the proof of fraudulent activity and sign paperwork. I didnt not receive the paper work until XX/XX/XXXX but they closed the investigation on XX/XX/XXXX. Apparently this company sends out resolution letters to tell you the next steps or how to appeal. I was told I could not appeal until I get this letter. They said it was sent out via postage on XX/XX/XXXX and I would receive the letter in 7 to 10 business days. I didnt receive this letter until XX/XX/XXXX. The letter stated they found no nothing suspicious and their decision was final. So I sent in a handwritten letter with proof that I was at work. I sent all the documents on XX/XX/XXXX to their po box . I sent the letter through priority mail and it arrived on XX/XX/XXXX. They are claiming they still have not received the letter. Please help.
Product: Checking or savings account

I Subscribed to XXXX XXXX XXXX XXXX  service to claim a one time discount code. I forgot to delete my sibscription and got charged {$94.00} for another month. Now, the XXXX XXXX XXXX  has been charged to my account, and I won't even be able to pick up the XXXX XXXX XXXX. So, not only have I lost {$94.00}, but I will not be able to get te product.
Product: Debt collection

They call every hour of the day and refuse to tell me who they are. I have asked them to stop calling me. They are verbally abusive and offensive. Every time they call I ask for the name of the company and who I am talking to. He or she refuses and says I owe them money. They refuse to tell me what it is for. They call 4-8 times every day.
Product: Mortgage

My pay was impacted when " XXXX '' XXXX hit XXXX because NJ was a Federal disaster area, all collection activities were put on " hold ''. I was not told that payments would still accrue. Since then I have been trying to get placed in a modification. I have endured XXXX Home Preservation Specialists, XXXX Modifications which have met with some level of approval and then denied or halted, deleted and omitted documents, policy changes, and lack of responses which have cost me valuable time. Upon my last conversation, I was informed that poor customer service, bureaucratic delays, and open inquiries would not suspend foreclosure activity. 
I have just found, and will fax, the documents which the Senior Analyst claims she could not find. These pertain to title issues- stating that there are " no title issues '' - which has been a recurring theme for 3+ years
Product: Debt collection

Comenity Bank has repeated called me multiple times a day, sometimes within the same hour. At some point in the last three weeks this bank has started using an " UNKNOWN '' number. When I had made the XXXX payment for the account, I authorized {$130.00} payment and it was withdrawn from my husband 's checking account not once, but THREE times. He worked with his bank and when Comenity wouldn't respond, he flagged the withdrawals as fraud. This is when the phone calls because excessive and disturbing. These are the calls that I have kept track of thus far... 

These were made from the UNKNOWN caller tactic : 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 Calls from identified numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last call I took from the unknown caller was today, XX/XX/XXXX and when asked if the caller was speaking with XXXX XXXX. I replied, no. I explained that I was not XXXX XXXX XXXX I had recently gotten married ) and in a threatening and harsh tone the gentleman barked at me and said, " so you're telling me on a recorded line that this is not a good number for XXXX XXXX '' and before I could explain that someone hadn't done their job and updated my last name when I requested the change be made, he disconnected the call. 
These calls have not only become harassing in nature of their frequency ( three times in one hour ) and multiple calls a day. This is extremely disruptive, not to mention highly inconsiderate to a person 's daily life.
Product: Credit reporting or other personal consumer reports

I have the following hard inquiries that I don't recognize. 

XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024
Product: Debt collection

This company is in clear violation of FCRA and HIPAA Regulations. I have sent the a certified notarized letter about these concerns.
Product: Payday loan, title loan, or personal loan

There is a loan reporting on my credit from the Cash Store. I never had a loan from this place. This is fraud. I disputed it with the Cash Store, they just ignored me and continue to report it on my credit.
Product: Credit card or prepaid card

Cap1/Bass : # XXXX I have requested Capital One to Terminate me as an Authorized User on account for the last 2 months. They refuse to terminate the account in addition to that, they are taking money out of my Bank Account for this card and it's not mine. 

I going to file a sue suit against them as I have requested them to stop attempting and drafting money out of my account and they continue to do so. Telling me the primary card holder has to change the banking account information, but it's coming out of account that clearly has my name on it ... 

The card is maxed out and it's effecting my credit score and causing me problems. 

I going to call the Attorney General and the governing body that covers the banks! 

The Primary Card name is : XXXX XXXX last four of social # XXXX. You can find that account that way!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my report : XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX Balance : {$73.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXXXXXX Balance XXXX {$600.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX 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
Product: Checking or savings account

In early XXXX, 2020 I contacted Bank of America ( BOA ) Customer Service by phone regarding a Monthly Maintenance Fee of {$12.00}. that was charged to my account XXXX times for a total of {$60.00}. The Customer Service rep refunded me {$36.00}. and {$24.00} on XX/XX/2020. She told me I need to have a balance of {$1500.00}. in the account to avoid further Monthly Service Fees. On XX/XX/2020 I transferred {$800.00}. into the account bringing the total balance in the account to {$1500.00}. In early XXXX I contacted Customer Service and them I wascharged twice again for for {$12.00}. each tototalling XXXX On XX/XX/2020 Customer Service refunded me {$24.00}. After that I wasagain charged {$12.00}. XXXX times for Monthly Maintenance Fees totalling {$48.00}. ( XXXX, XXXX, XXXX and XXXX XXXX. I contacted Customer Service on XX/XX/2020 and spoke to XXXX Customer Service reps who refused to refund my overcharged fees of $ XXXX then transferred {$50.00}. into my account so the balance is {$1500.00}. I am confident once someone of authority at BOA sees the facts they will credit my account the {$48.00}. they owe me. 
Thak you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts of XXXX XXXXXXXX and XXXX XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States 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 instructions.

15 USC 1666B : A creditor may not treat a, payment on a credit card account under at open end consumer credit plan as late for purpose.
Product: Vehicle loan or lease

I was going to buy a car at   XXXX   XXXX   XXXX   XXXX   XXXX   Wisconsin. The finance  manager told  me there should be no problems and I would be approved for a loan. I told him if he encountered any problems to contact me by phone or email right away. Well he never contacted me, and instead ran my credit  XXXX  times. I did not approve of this.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX have violated my consumer rights and I demand these items be removed immediately from my consumer report. They have violated 15 USC 1681 ( a ) ( 4 ) Right to Privacy & 15 USC 1681b ( 2 ) Permissible purpose of Consumer Reports. These 3 companies have violated my privacy by displaying inaccurate and negative items on my report and then sharing it with others. I never gave either company written permission to report anything on my behalf let alone share it with 3rd party. By law it states they must have written permission from the consumer to report anything on their behalf. 

Also i am seeking {$2000.00} from XXXX, {$1000.00} from Equifax and {$4000.00} from transuinon as they are in violation of 15 USC 1681n-Civil liability for willful noncompliance. I have reached out to all three companies to remove unauthorized inquiries from my reports. According to 15 USC 1681n ( a ) ( 1 ) ( b ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( b ) in the case of liability a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

I have suffered for to long and my livelihood has too. I tried to reach out to the three companies to resolve this matter before coming here. My next step is litigation.
Product: Mortgage

We closed our refinance with Citi Mortgage back in XX/XX/2021. During the loan closing they charged us {$1300.00} tax penalty which we had to pay as part of our closing cost. We submitted to XXXX XXXX County tax for refund in XX/XX/2021 on the tax penalty and received a refund in notice on XX/XX/2021 which was sent to XXXX XXXX the escrow company that closed our loan. When I reached out to XXXX  XXXX for the refund of the amount of {$1300.00} they answered my emails and calls after one month saying they have sent the money back to Citi as per their request. 
Until today I have not heard back from XXXX  XXXX or any one from Citi regarding my refund of {$1300.00}. They literally are passing the bucket and making me run around for my money.
Product: Credit card or prepaid card

I found out end of XX/XX/XXXX that there was an account for a credit card I didn't recognize, this account is showing on my report and the bank is Navy federal credit Union. My ex-husband open and used this account on his own with my information, without my consent.I called NFCU and they help me report the fraudulent account, however, they are telling me that since the account was set up in my name I'm responsible for any balance. XXXX XXXX had set up the account using his email, phone number, mailing address, setting up username and password as well. it seems that has been using this account to pay off credit cards on his name making balance transfers electronically. I believe he was not able to open an account on his name with NFCU due to the fact that he previously filed bakruptcy. Also, I remarried and changed my name legally in XXXX.
Product: Debt collection

I checked my account status online it shows a charge off balane as XXXX and I receive   a document for {$110.00}
Product: Checking or savings account

ETRADE BANK I have had a 5 year CD ( earning less than {$2.00} a year ) that I have been trying to close for 15 years. Each time they never respond until the 7 day grace period is over and then insist on such a hefty fee, I have just left it. 

This year I was determined to close it on it's maturity date of XX/XX/2022. I spoke in XXXX to a helpful customer service person who instructed me on the form I was supposed to complete and upload. I did that on XX/XX/XXXX. The file said 'in progress ' for weeks and finally a few days before maturity, I waited 47 minutes online in the middle of the night to get through to customer service. I talked to a helpful woman named XXXX XXXX who informed me they were waiting for me to upload my ID. No one had told me this, though it had been sitting 'in progress ' for a month. 

I uploaded my ID. Three days after maturity, still nothing. I waited now 88 minutes on hold and talked to another helpful customer service person named XXXX XXXX supposedly brought it to one of his superiors who said it would be paid out within 5 business days after maturity. 

It has now been nine days since maturity and there is no movement whatsoever on the account. 

Please check the complaints on their XXXX book for similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I, XXXX XXXX, utilized my XXXX credit card ( Comenity Bank ) on XX/XX/XXXX to purchase a rug. The rug was delivered and upon receiving the item, I realized that the rug was faulty before taking it out of the packaging completely. I filed a return through XXXX and was provided a XXXX shipping label on XX/XX/XXXX. The tracking number for the return was XXXX. I returned the item to the local XXXX hub within XXXX week of receiving the return label. 

A few months go by and I start to receive notices that my balance is past due. Upon reviewing my account, it reflected that my return had not been processed and applied to my account. The rug was the only item that had been charged to the card. After numerous hours on the phone with multiple representatives over the span of months, XXXX refused to apply my return to my account. 

I again reached out in XXXX of XXXX, via e-mail, in regards to my missing item and refund, as XXXX/Comenity continued to charge me interest and fees on the balance that was still outstanding for the missing refund. The e-mail read as follows : " Thank you for contacting XXXX. Please send me the tracking information or tracking number of your order that you returned to us, I do apologize for the inconvenience but rest assure that we will process your refund. Once I got the tracking details I will process the refund and it will only take XXXX business days for the complete refund to your original mode of payment. Thank you for your patience and understanding. 

Best Regards, XXXX XXXX XXXX XXXX '' After providing the tracking number I was still denied the promised refund of my money for my return via a follow up e-mail from XXXX as follows : " Hello XXXX XXXX, We partner with multiple company warehouses. The only way a return goes through our system is if we have the tracking number on file. If a label is to arrive at our partner warehouse and we were not informed of the tracking number from you, the order does not link to your return within our system. It looks like we provided a label for use and the label was not used. based on our system you already provided the XXXX of the product. Please provide the tracking number used to return your item to link the return to your item and complete out the return. 

Have a wonderful day! 

Sincerely, XXXX XXXX XXXX '' XXXX failed to appropriately credit my return to my account and then claimed that the tracking information was no longer retrievable and therefore would be denying my refund. So now as the account sits, I am out the item, the money that I paid for the item, along with interest/additional fees, and the account was subsequently charged off, which damaged my credit. 

I have attached a copy of the current status of the XXXX  account, which I have also disputed through the three major credit bureaus for fraudulent actions and incomplete reporting under the FCRA guidelines, which came back as " verified ''.
Product: Payday loan, title loan, or personal loan

I was approved for a {$11000.00} personal loan with Citizens Bank. I signed all documents to receive the funds and when they did the final review, denied me and explained the reason is because they werent able to verify certain information, when I did verify all information. They're not giving me the exact reason why Im being denied and this is not fair after Ive done everything required to receive the funds.
Product: Mortgage

Filed for a VA mortgage, XX/XX/2023, no money down due to closing of old home and after closing of the new home. Also selling short-term rental condo in XXXX XXXX XXXX XXXX Fl. 
Intention of using proceeds from sale to recast our mortgage within 2 months of closing and lowering our monthly payment. This attractive feature and having between $ XXXX $ XXXX was the main reason for applying for the mortgage with New Rez. Purchased {$470000.00} home and approved for such, again with recasting loan within first 60 days. Never told of any restrictions. Paid first mortgage XX/XX/2023 called New Rez for re-cast instructions on how and where to send monies. We were given an address to wire money. Thank God our current bank which holds our money would not let us wire such a big amount of money, based on verbal instructions to be sent via email and because of the XX/XX/XXXX holiday we were told we had to wait XXXX hours before they could send email. Again, no restrictions. third phone call to New Rez several days after not receiving wire instructions. This person said they would take care of not only advising the correct department of our intentions but promised to email wire instructions. She affirmed we would be good candidates for recast. Again no restrictions. She told us it could take up to XXXX weeks to receive a letter of approval. 
Ok, XXXX phone call. Rude lady who told us we can not recast VA mortgage. News to us. Said we would receive a letter of denial. NEVER RECEIVED! Got our mortgage broker involved. She is told nothing. New Rez does not return calls nor do they share any information. XXXX finds out New Rez sold loan and new company not accepting recast. Never were we advised of this. 
Now we have a $ 3268 monthly payment which could bankrupt us. Solution suggested refinance which sill cost us fees and higher interest rate. 
Someone needs to fix this and make good on the money we have to spend. 
Help, please. Make New Rez recast our loan so we can lower our monthly payment. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tn. XXXX New Rez account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX XXXX. XXXX. XXXX XXXX XXXX services # XXXX XXXX XXXX # XXXX And XXXX XXXX XXXX have violated my rights 15 US C 1681 section 602A States that I have the right to privacy. 
15 US C 1681 section 604 a section until I saw XXXX XXXX reporting agency cant furnish an account without my written instructions Not only do these accounts and I belong to me, but Experian XXXX XXXX and XXXX are violating my rights, along with these other companies above. Above I plan on being involved with a multi XXXX dollar legal class action lawsuit because of this, it has caused me a lot of trauma and grief!