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

A small group of us traveled from the XXXX to XXXX De XXXX XXXX. On XXXX late Friday night after midnight XXXX of XXXX of us were pickpocketed. XXXX of his wallet. My license and hotel card, XXXX XXXX credit card and my Comerica debit card was stolen. We found my license and hotel card in the middle of XXXX XXXX near our hotel. ( XXXX at XXXX XXXX XXXX De XXXX ) We determined it was thrown out a car window. I realized that my XXXX XXXX credit card and Comerica card was missing. I immediately check my balance once i went back to the hotel to get XXXX to connect to internet. Because i have XXXX XXXX and needed wifi to get internet connection. Also to make sure i did not leave those cards in my room, deep down i knew i had not left them. When i checked my balance with comerica my balance was negative -- {$1700.00}, although i had at least {$3500.00} in my account. I contacted the automated services and reported stolen card, Then within XXXX minutes used a friends phone and got through to a live representative and explained my situation and what had happened. I could not hear the rep that well as i was now outside on XXXX XXXX. Total case amount is {$5700.00}. After the banks investigation they said that the card had a chip and it had to be in my possession at the time it was used. These transaction were done within XXXX minutes. They are as follows XXXX {$150.00}, XXXX XXXX, XXXX {$490.00}, XXXX {$140.00}, XXXX {$230.00}, XXXX {$11.00}, XXXX {$20.00}, XXXX {$20.00}, XXXX {$290.00}, XXXX {$490.00}, XXXX {$990.00}, XXXX {$1900.00}, XXXX {$290.00}, XXXX {$390.00}, XXXX {$39.00}, XXXX {$7.00}. The company name that was billed was XXXX XXXX XXXX De XXXX XXXX. Comerica Bank said they closed my case and did not help me. I never received a phone call or letter. My account is at a negative {$2900.00}. 
Store location is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX De XXXX. In the favela. A local source advised me of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two " hard '' credit inquiries on my TransUnion Consumer Report from XXXX XXXX  XXXX XXXX, dated XX/XX/2021 and XX/XX/2021, respectively. Additionally, there is an inquiry from XXXX XXXX XXXX ' XX/XX/2021. I do not recognize any of the aforementioned inquiries. On XX/XX/2021, I wrote to the inquiries to request proof that I authorized said inquiries. 

On XX/XX/2021, my letter to XXXX XXXX  XXXX regarding both inquiries was returned to me as " Undeliverable as Addressed '', despite using the exact address on the hard inquiry. So far, XXXX XXXX  XXXX has been completely unreachable to verify the inquiry. 

XXXX XXXX XXXX ' has since identified the inquiry as fraudulent and provided both myself and my husband XXXX XXXX with permission letters to have the inquiry removed. Said letter was promptly provided to all three credit bureaus, including TransUnion. So far, TransUnion has failed to remove the inquiry nor acknowledge my request.
Product: Credit card

On XX/XX/year> I attempted to call Wells Fargo to make a payment on a Credit Card using a debit card. Despite saying they could do this, the bank transferred me through 3 representatives on the phone, all of whom could not accomplish such a task. 

Wells Fargo engages in the anti consumer practice ( which should really just be illegal ) of purposefully complicating the process by which customers accomplish necessary tasks ( making payments ) if they do not also bank with Wells Fargo. Wells Fargo limits the amount of payments on credit cards that can be made using an outside checking account to XXXX. In order to to make a 5th payment, customers must call. Once you call, they try to instruct you to just make the payments online, even though it is Wells Fargo 's own policy preventing customers from making a payment the obvious way.
Product: Debt collection

Previously had checking account with Bank of the West, XX/XX/XXXX-XX/XX/XXXX, overdrawn once & was charged {$5.00} a day for everyday overdrawn plus customary {$25.00}, other fees,, total of {$550.00} Now this is showing as negative/ derogatory on credit report, is such daily overdraft charges legal? Never known of another financial institution having such charges, feel these are unfair, outrageous charges, I have applied for my VA home loan benefit feel this might hinder progress
Product: Credit reporting

Have sent a copy of the police report and they have not removed from credit reports. A XXXX account was taken out fraudulently and we have provided proof to this effect. with the attached police report. I want it removed and a letter sent showing it has been removed
Product: Credit card or prepaid card

At roughly XXXX XXXX  on XX/XX/2022 my phone was stolen out of my hand while I was using it in public. As a result, the burglar was able to get into my password protected phone, and sent/spent over {$15000.00} using XXXX, XXXX and XXXX linked to credit cards and checking accounts with XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and Bank of America XXXX 

I notified all of my banks ( XXXX XXXX, XXXX, XXXX, Bank of America, XXXX XXXX of this situation the following day. XXXX XXXX, XXXX and XXXX reversed the transactions. Bank of America and XXXX XXXX however, did not. 

XXXX XXXX did not reverse {$2000.00} in charges from XXXX XXXX sent to two individuals, and stated over the phone that it was my fault that this occurred. They stated that if I did not pay this balance that it would be sent to collections, so I paid the balance. 

Bank of America sent a notice by mail with instructions for submitting a fraud claim. I submitted the fraud claim but did not receive a response for some time. After closing the previously near XXXX balance account, it now appears that Bank of America did not reverse a fraudulent {$3000.00} phone purchase at an XXXX XXXX in XXXX XXXX, NY, an {$800.00} XXXX XXXX  and {$60.00} in purchases from stores in XXXX XXXX XXXXXXXX, and has added {$720.00} in late fees, interest and charge off fees, and has now sent the balance to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent disputes for something that has adversely affected my credit. A comenity bank ( 2nd time they gave a credit card in my name out without my actual authorization, in XXXX credit card. I called XXXX and they said it was Comenity Bank again. I did not ever authorize this. I only have 1 credit card and have never been late on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have the account closed and removed for a child support case that was closed over 4 years ago and is still being reported on my credit. I called said agency and was told the account would continue to stay open until I pay a XXXX $ application fee this account was opened in 2012. And was closed the follwing year yet has been reported incorrectly on my credit report for almost 5 years.the child was in my custody from the time of the account opening until its closure the account was opened incorrectly on my behalf.
Product: Money transfer, virtual currency, or money service

I entered an amount to transfer from via the Bill Pay system on my USAA checking account. I have a list of saved payees in the Bill Pay system. Prior to XXXX XX/XX/XXXX, I entered a payment of {$750.00} to pay a XXXX Credit Card on XXXX XX/XX/XXXX. Accidently, I used an older payee that was my ex-wife 's account at XXXX Credit Card. The payment went to a XXXX Credit Card ending in XXXX ( I do have the full account number ). On XXXX XX/XX/XXXX, I noticed the error and contacted XXXX. XXXX informed me they can not speak to me about the transaction as I was not the owner of the account and that I would need to contact my bank USAA. I then contacted USAA on XXXX XX/XX/XXXX and filed an investigation. They provided me with a case number XXXX. They replied on XXXX XX/XX/XXXX that no error occurred.
Product: Money transfer, virtual currency, or money service

I transferred {$150.00} on XXXX XXXXXXXX XXXX to an account in XXXXI noticed the account number was wrong an hour later & notified the company. 
No update has been provided other than the issue has been escalated.Called several times, the customer service always says issue has been escalated. I missed out a XXXX in the account number
Product: Credit card or prepaid card

So, in the past week I have tried to apply on my XXXX  for an XXXX   XXXX. I have repeatedly been told that ID is required and, subsequently, that my XXXX driver's license did not "verify photo id" to the satisfaction of Goldman Sachs.I have been using XXXX XXXX and making purchases on my XXXX for over a decade while living at this same address with an in-state driver's license.
Product: Debt collection

I've received calls from a number that shows as XXXX XXXX on the caller ID on XXXX, XXXX, XXXX, and XXXX. I assumed it was a spam call but looked up and saw that XXXX was the name of a debt collector in Oregon where I am located. On XXXX I answered that call at XXXX XXXX I was told I was in collections from an old US Bank debt and that I should call XXXX Legal located in California, at ( XXXX ) XXXX and that my case number was XXXX. I called the number and talked to a man named XXXX who told me about my debt which he said was roughly XXXX dollars. I told him that even if I thought this was correct there was no way I could pay that off in full today. He asked how much I could pay off and I just said {$500.00}. He told me he'd go talk to his XXXX to approve and not even XXXX seconds later he was back to say I could pay it all for {$670.00}. I played along and told him I would have to wait XXXX hours until I was off work. He said he would start a " two-hour timer ''. 

I did some research and XXXX XXXX was a group based in XXXX. The numbers they called me from were not showing up on XXXX. When I called the actual XXXX XXXX they didn't answer. When I called the public-facing number for XXXX, XXXX was disconnected. I then checked my credit scores for any collections and there were none. I then called US Bank and talked to their credit department where they confirmed that I was not in their system as being sent to collections. 

I called XXXX back and asked first for the company 's website and public-facing number so that I could confirm they were legitimate. XXXX refused to give me this information saying that " they could help me if I wanted '' and that " they're not in the business of giving out information about the company... that's another department. '' I started explaining why this is important and was put on unannounced hold several times mid-sentence. I hung up fairly sure I was being scammed. 

XXXX called me again today at XXXXXXXX XXXX. I called them back and told them I had received a call earlier and was calling back. XXXX knew my name and said she was transferring me. I then heard the same holding music that played when I called the RSG Legal group. I then heard the voice of XXXX with " legal department ''. I hung up even more sure that this was fishy if nothing else.
Product: Credit reporting or other personal consumer reports

I sent in the official report from FTC like I was instructed to. I'm attaching the response I was sent back from Transunion they play mind games with the consumers. Its funny how they sent me the response but could not respond on my complain
Product: Credit reporting or other personal consumer reports

On about Capitol one ( bank ) XXXX XXXX XXXX/XXXX  ( retailer ) XXXX XXXX Those appear on my credit report ( hard inquiry ) I did not apply for any credit with them, and on that time Im travel overseas for my business, I went out of XXXX to XXXX from XX/XX/year> and come bck on XX/XX/year>, so I did not request any credit from those company. 
Please check, that was a scam, identity theft, I hope you will find out what wrong from who apply for XXXX XXXX
Product: Credit reporting

I have contacted Experian multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Experian have not removed this information from my credit file to date. Experian is reporting a Public Record filed XXXX/XXXX/2016. According to the Courts, they did not supply information to Experian for the incorrect data that they are reporting on my credit file. I need your assistance in getting this matter resolved and removed from my credit file.
Product: Credit card

On XXXX XXXX of 2016, my husband and I went to Sears to purchase patio furniture set. When we went to the checkout they said we could open a Sears MasterCard with no interest up to a year. They took my driver 's license and asked for my contact information, my mailing address and seemed to input it into the computer system. We received the patio furniture and waited for the card and the card never arrived. When I was speaking with my family hmy brother said he had received a Sears card at my permanent address my parents ' house. He said he called and told him he never opened a card and there was nothing they could do and there was a charge of the patio furniture that we had purchased. He destroyed the card and gave the mail out information for my parents to send to me. I called the activation number for the card and I spoke with a Sears customer service representative for the card she initially asked for my brothers social security number which I do not have and thought that was strange and inappropriate because that is highly sensitive information. Then she asked for my social security number which she said she needed and I gave it to her over the phone. She then asked to put me on a brief hold to try and resolve the matter. When she came back she stated they needed a physical copy of the social security card and wanted it faxed to them. I told her that 's highly sensitive and I am not going to send that through a fax that is not protected. So she said there was nothing they could do on the mix up of the account because I was not willing to do that. I asked to speak with someone else and she said no one was available. She said they would contact me in several days but no one did. I filed a report with the federal trade commission. At that time, XXXX XXXX from Sears Credit Card assured me she had closed the account and all we had to do was pay the balance but even though they cashed our check and had the gall to charge a late fee on an allegedly closed account! She lied about the account being closed and about any late fees, and Sears lied about the account being interest free because they instantly penalizdd us for not paying on time even though the account was n't opened appropriately and even though XXXX assured us that is would not be an issue.
Product: Student loan

On or about the beginning of XX/XX/2018 I was notified by email from XXXX XXXX that they were servicing a student loan in my name. I requested documented verification that this debt was, in fact, something I had taken out and to date, I have received nothing. After multiple emails and calls, I received a pay off amount of {$8600.00} from a customer service representative. I paid that amount in full on or about XX/XX/2018. I am now receiving threatening emails and calls about an outstanding and overdue balance on the very account I have paid off. After multiple calls I am being told I have an outstanding balance of {$63.00}. I have been requesting information and documentation about this debt since XX/XX/XXXX and have not received any documented indications that this debt is in fact mine. I have requested that XXXX XXXX   preserve any information about this loan for litigation purposes and when I asked for a contact in their legal department I was declined. When I looked online for a person that could accept service there was none listed, not even an address.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : 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
Product: Debt collection

I noticed two collections on my credit from ARS Collection agency. I disputed it because my insurance paid it. I requested validation from ARS and sent them proof that the account was paid by my insurance. ARS just ignored my request and dispute. They continue to report the errors on my credit file. It has been 90 days and they are still ignoring my requests.
Product: Mortgage

I originally filed a complaint with Caliber Home Loans during the PMI removal process. Significant delays from their side created a situation that prevented my possible PMI removal to be delayed. In their response to that complaint, Caliber replied on XX/XX/2022 that due to their significant processing delays, in the event the PMI was subsequently removed, they would go back and refund the PMI taken from XX/XX/2022 up to present. I have attached that specific response to this filing from the previous complaint, as well as, the PMI removal approval letter dated XX/XX/2022 to support the successful PMI removal and my follow-up request for Caliber to follow through with this resolution. 

I have contacted Caliber several times to discuss the PMI refunds, but no one has responded, so I'm filing another complaint as this seems to be the only way to get a response. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # DEPT OF EDUCATION/XXXX account number : XXXX Account name : XXXX XXXX XXXX Account number :, XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. account number : XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  & XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Navient is reporting my student loan current on time for the months XX/XX/XXXXXX/XX/XXXX then in XX/XX/2018 Navient reports the same account 90-120 days late. 

How is the account on time, by Navient 's own reporting, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and  XX/XX/2018 then 90-120 days late XX/XX/2018? 

Navient is violating the FCRA yet continues to verify these lates with XXXX, XXXX   and XXXX XXXX. 

Navient then reports the account 90-120 for the months of XXXX XXXX-XXXX XXXX   when it was on time. 

There are thousands of complaints like this regarding Navient and they are damaging my credit, impeding me from buying a house. 

I want Navient to explain to the CFPB how the account is on time the previous 5 months of XX/XX/XXXX mentioned above then 90 days late the next month?
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding the inaccurate reporting of late payments on my XXXX XXXX XXXX account : XXXX Date opened : XX/XX/year> Despite my timely payments, Experian has continued to report late payments inaccurately, which is a violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

I have reviewed my account history thoroughly, and all payments were made in accordance with the terms of my agreement. The continued misreporting of this information has significantly damaged my credit score and overall financial standing. This is not only unjust but a violation of my rights under the FCRA ( 15 U.S.C. 1681 ), which mandates that all information on credit reports must be accurate and fair. 

I am requesting the CFPB to investigate this matter urgently and hold Experian accountable for their non-compliance. I demand the immediate removal of all inaccurately reported late payments on my XXXX account to prevent further damage to my credit profile. 

I appreciate your prompt attention to this matter and expect a confirmation that an investigation has been initiated within 15 days. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act, or remove this review immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you