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

On XX/XX/21 I paid the entire balance due on an XXXX store brand card. The total was {$11000.00}, much of which was a deposit for furniture that would not be delivered for months. Due to quality control and delivery problems, I canceled and returned almost all of the purchases beginning XX/XX/21. On XX/XX/21 I requested a refund for a credit of {$3700.00} to be mailed to our new address. The bank said they had to send it to our original mailing address from when we opening the card. Comenity Bank said they would issue a refund in 7-14 days. The didn't actually issue the check until 22 days later, on XX/XX/21. Because it will need to be forwarded to FL, we don't know if it was received or not. 
On XXXX we called Comenity Bank to find out the status of the new refund of {$3100.00} for items returned since XX/XX/21. The told us no refund will issue until we actually cash the first refund check.
Product: Student loan

I requested fraud papers because I did not take out any school loans for XXXX XXXX in GA they told me the loan was taken out in XXXX and I told them I never attended college in XXXX and I did not take out a loan for XXXX. I never received proof or the fraud papers but keep receiving bills saying I am late in payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/19 and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. Attached you will find my ID, and proof of address. 

Inquire ( s ) XXXX XXXX XXXX ( Twice XX/XX/2019. ) XXXX  - XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX XXXX ( XX/XX/2019. & XX/XX/2019. ) XXXX XXXX XXXX   XXXX ( XX/XX/2019 & XX/XX/2019 & XX/XX/2019 & XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX   XXXX XXXX ( XX/XX/2019. ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX, XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019 ) XXXX XXXX XXXX XXXX , XXXX ( XX/XX/2019. ) If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Navy Federal numerous of times and informed them that I do not give them permission to give my information to any credit bureau. I also reported that they are not allowed to report any negative balances, remarks etc on my report with any bureau. This is my right as a consumer, and I demand they stop immediately. My information is not to be shared with any third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX has violated my federal consumer rights along with may reporting violations found due to inaccuracies and unverified accounts I have attcahed the letter from the bankruptcy court that they do not verify with third parties I HAVE INFORMED THEM OF THE IDENTITY THEFT however they aren't reporting it rights violated BLOCK Delete fraud accounts victim of identity theft and this information was received from a third party DELETE ( XXXX ). 
I have attached letter from the XXXX XXXX XXXX  stating they do not verify with third parties like XXXX Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. next issue inconsistencies in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX DELETE unverified account FRAUD I did not file this complaint in error and please update my ADDRESS to whats on my GOVERNMENT ID you have all documents to proceed
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding Ally Financials reporting of a charge-off on my credit report. I am disputing the accuracy and fairness of this reporting and request an immediate investigation and removal.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, furnishers of credit information are required to provide accurate, complete, and verifiable data to the credit bureaus. If Ally Financial can not provide documented proof validating the balance, charge-off status, and accuracy of the information being reported, it must be deleted immediately per FCRA 1681s-2 ( b ).

Additionally, I am requesting verification that Ally Financial followed the proper procedures before charging off this account. If this charge-off includes unlawful fees, misapplied payments, or improper collection practices, it may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 and other consumer protection laws.

I demand : 1. Full validation of the debt, including a breakdown of the balance, charge-off date, and payment history.

2. Proof that Ally Financial complied with all legal requirements before reporting this charge-off.

3. If Ally Financial can not provide full validation, this charge-off must be removed from my credit report immediately. 

Please provide a response within the legally required timeframe. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX
Product: Credit card

I received limited time personalized offer in the mail to open XXXX XXXX credit card. When I was applying, the process got interrupted with no reasons, ans when I tried to repeat it, my computer blocked it stating that it was insecure web site. The website I went to apply was XXXX Now I think it was scammers, and they stole my personal information
Product: Mortgage

I closed on my mortgage with XXXX XXXX  in XX/XX/2020 and received notice that was mailed on XX/XX/XXXX on or about XX/XX/XXXX that my loan was being transferred to LoanCare LLC on XX/XX/XXXX. I provided my payment to them using the loan number for LoanCare on the notice XXXX provided. A week later it is still not posted and when I called LoanCare today to check on a number of items I was disconnected after talking to 3 different people. 

Not only am I concerned about my payment but I am in the middle of a refinance on this loan and my property taxes are due in XXXX. 

The first person I spoke with was not helpful as she stated it could take 10 days to find my account or to be loaded and I was extremely upset since this mess is not of my making. I asked to speak to a manager, she put my on hold then put me back into the main queue. I went through the prompts again which is difficult since they do not recognize the loan number I was given or my social and the person who picked up also said she had to transfer me to another area because it wasnt her area. I told her that was not acceptable and wanted to speak to a manager so she put me on hold and put on someone names XXXX who again tried to pull up by my social and loan number and when she couldnt the phone went silent. 

I should not have this diffculty confirming they received my payment, my taxes are being paid and get a payoff for my refinance. These delays could cost me my rate and additional cost on my refinance.
Product: Checking or savings account

{$500.00} was taken from my locked cashapp account on XX/XX/23 due to fraud through XXXX XXXX, XXXX XXXX  wants cashapp to submit a charge back so they can send the money, I have called cashapp several times been on hold for hours only to be told that my dispute is denied and not only can they not refund but not even communicate with XXXX XXXX XXXX in any way to try to find a resolution
Product: Debt collection

I reached out to this company on a number of occasions and let them know that this was identity theft. This was open without my knowledge and permission. I let them know in writing that I had a police reports and my information was stolen. You can check address and signature like I told them too and no response
Product: Credit reporting or other personal consumer reports

Transunion on XX/XX/year> communicated with me via live chat and phone operator that they do not have or give out a much-needed fax/email for Identity theft report and other vital documents for them to review my complaint. My perception is this is an international way of blocking a consumer from implementing the " 4 day block & remove laws '' established by Congress in title 15 as well as a delaying tactic. The information on my report is fraudulent, being used to execute legal proceedings, identity theft by deception & slander of my title. This action makes Transunion complicit in the theft of identity and fraud. I filed an FTC Identity theft report on them as well as state agencies and corporations using inaccurate, fraudulent information as leverage and for-profit against my estate.Let me be clear, the reports and the personal information on me obtained by Transunion is NOT ME in no way shape or form. This information is based on a presumption of death and I am not dead. This is a alive informant. This information clearly is opposite the records I have in my Family Bible Records as well as my baptismal certificate is an indication that I am alive. Every record obtained by Transunion and the other agencies is not me and does not represent me as the living One XXXX XXXXame and date of birth. I also have started to correct records through the post office, contact the Social Security Administration, the Department of HHS, the attorney generals for US/NY, the US/NY Department of State and the NY Comptroller Office and US treasury departments of the fraudulent conveyances being used by the courts, agencies and corporation for profit. The companies that I applied for credit cards are obtaining fraudulent and inaccurate personal information and this is causing my family injury.
Product: Debt collection

On XX/XX/2021 I sent XXXX a letter asking to validate debt, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, I received no response. 
On XX/XX/XXXX, XXXX I sent another letter I sent a follow up letter, regarding Fair Debt Collection Practices Act, 15 USC 1692g and also noticed the date on the account had been changed ( RE-AGED ). and I still have not received any response. But somehow the bureaus comments are updated that it meets FCRA requirements. 

On XX/XX/2021, regarding above mentioned items, and still have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My main issue is that Experian continues to discredit me with my credit score sometimes 70 to 80 points less than the other two reporting credit bureaus. I had four family members and two friends for all three credit reports Experian was low on every one of them by at least 30 points sum by XXXX points. When I have contacted them and ask them why they want me to pay to get my information. It feels like a complete scam. They never can give me information all they say is not all credit agencies report the same way. This is illegal and this messes with my financials. It is a scam and I want it resolved immediately! Please help me Ive even asked for my free credit report several times and have not received anything. This company is absolutely unwilling to help or do anything. I just received notice from XXXX XXXX and XXXX last week and my score went up to XXXX and XXXX. I received information from Experian today that my credit score dropped almost XXXX points. I just paid off balances and I dont understand why that even happened. I want and need answers and now that Ive had other people involved theyre probably going to send you complaints as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier in XXXX Experian lowered my score XXXX points from XXXX to XXXX on the same day that an old credit card of my parents appeared on my report. I used to be an authorized user but that has not been the case for two or three years now. NOTHING else happened to change my credit score and it did not change the other two credit bureaus. I went through the Experian dispute process and they agreed and removed my parents old XXXX  XXXX card. But instead of giving me back the XXXX points that they took when they put the card on the account they actually took XXXX more points dropping me from XXXX to XXXX claiming that the average age of my accounts had dropped. Well thats only because they took off an account that shouldnt have been on there and they even give that reason on their opening page and will not respond to me. I have emailed multiple times and all I ever get is computerized letters with XXXX  excuses. I filed a complaint with the XXXX XXXX XXXX. I find it highly unfair that the credit bureaus have such influence on peoples lives especially when they obviously dont give a tinkers dam when something goes wrong. A simple look at my account and they would realize their mistake but I guess thats too much to ask. FYI the other two credit bureaus have me at XXXX and XXXX as I have perfect credit and XXXX balances on all my accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I opened a saving account with FifthThird Bank. 

On the same day, I decided to fund that saving account via online transfer from another account of my husband with XXXX XXXX, XXXX XXXX XXXX. To verify that account with XXXX, Fifth Third deposited two small amounts into it and my husband confirmed them successfully on XX/XX/XXXX. 

After the verfication, on XX/XX/XXXX I initiated a transfer of {$10000.00} on 53.com, from the XXXX account to the Fifth Third saving account. 

On XX/XX/XXXX, I received email alerts from Fifth Third Bank saying that transfer of {$10000.00} was suspended, and did not complete. 

However, that money was still drafted from my husband 's XXXX account, and was never returned as of today XX/XX/XXXX. 

On XX/XX/XXXX, I called Fifth Third Bank, and they said the money was rejected by them, so it was never deposited. And they suggested me contact XXXX XXXX. 

Then XXXX XXXX told me that because the transfer was initiated by Fifth Third Bank, they had no infomation about the transaction, and did not know when it would be returned. 

On XX/XX/XXXX, I asked XXXX to request a return for that transfer, as suggested by one email alert sent by Fifth Third before. However, that request was reversed by Fifth Third on XX/XX/XXXX, and Fifth Third charged me {$37.00} overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a {$25.00} a month XXXX XXXX payment being deducted automatically from my Social Security XXXX. In XXXX of XXXX I got a letter from NYS XXXX XXXX   Processing stating that my child support was in arrears. I immediately contacted them via their website and stated that there must be an error as my child support was automatically deducted from my S.S. XXXX for a long time. I sent a copy of the Social Security Document to prove the deduction. XXXX XXXX then ordered Social Security to deduct {$37.00} from my account because of the arrears, which they did for a number of months. I was still getting threatening arrears notices and even a threat to have my Driver 's License suspended for non-payment of child support. I continued to make contact with the office in XXXX XXXX, NY, Ms. XXXX, to get the error corrected. This went on for months and finally in XXXX of XXXX XXXX XXXX Processing found out that they misplaced the funds. Eventually the {$87.00} overage that they took from me was sent back to me at my request. I had asked way back in XXXX to make sure my credit report was not affected by their errors and to correct everything. They never corrected the credit reporting. On XX/XX/XXXX I was reviewing my XXXX and Transunion credit reports and saw that the account was closed with a " Paid Collections '' status and had that it was in collections in XXXX of XXXX. I contacted Transunion and XXXX to get this corrected. Both companies stated that the reporting was accurate and did not take the " Collections " status off of the report from XXXX of XXXX. I contacted MsXXXX XXXX with XXXX County XXXX XXXX Enforcement via the same string of e-mails used to document the history to get this corrected and she still has not gotten back to me via phone nor email.
Product: Checking or savings account

On XXXX XX/XX/year>, I deposited a check via the USAA mobile app after receiving payment via certified mail for a lawsuit settlement. The amount of the check is in the XXXX figures, but I figured this wouldn't be an issue because I have a {$100000.00} limit on my daily deposit and I am a XXXX year member. On XXXX XX/XX/year>, I received a call from USAA stating that there was a " security concern '' regarding my account. The person I spoke with proceeded to grill me about the lawsuit, and what law firm I was working with, and then stated that they were going to completely block my account from purchases for the next ~24 hours. First of all, it is none of their business what law firm I was working with. You don't just get to grill me with questions regarding a lawsuit concerning HIPAA-protected information. To add insult to injury, now my account balance is showing - {$10000.00} in overdraft. If you could not make the funds available, then USAA should not have allowed me to use {$25000.00} the check in the first place, yet the mobile deposit process worked just fine. To put it simply, USAA doesn't get to simply make {$25000.00} available to me, of which I have confirmation, and then turn around and put my account in overdraft on a whim. To add insult to injury, the representative I spoke with put me on hold for extended periods of time when I do not have all day to deal with USAA 's ridiculous antics. I want my account put back in good standing.
Product: Mortgage

Wells Fargo is negligent in providing concise and accurate information. There are missing statements, no mention of all the numerous calls and letter writing I have made in an attempt to clear up my account. Funds that should have been applied to the loan were applied to late charges. One was corrected 30 days later, after I called and explained the additional funds were to be applied to my new payment amount. 
In XX/XX/XXXX I contacted Wells Fargo requesting assistance with lowering my interest rate or forgiving my second. I received conflicting information ; from there is nothing that can be done, to stop making payments to qualify for a loan modification to : " since you do not have a XXXX or XXXX XXXX loan, there is no relief we can offer you. '' I chose to request a Loan Modification and stopped making payments to qualify. I felt this was my only option. Like so many consumers, I did not understand who XXXX or XXXX XXXX was or what the ownership of my loan had to do with helping me. 

I made my XX/XX/XXXX payment and then stopped, per Wells Fargo instructions. I was informed I had to miss 3 payments before I could apply for a loan modification. During this time I received no calls or letters. I kept calling and asking for guidance and help. Not until XX/XX/XXXX, did I receive a notice that my Loan Modification was approved. Again, no notices or calls. The last monthly statement I received was XX/XX/XXXX. In order to keep my home I worked so hard for, I signed a Loan Modification agreement that I did not understand. I was not aware that the 11 payments missed from XX/XX/XXXX were added as a second mortgage frozen with a balloon payment due in XX/XX/XXXX, or that my HELOC was added to my first. I have asked repeatedly for this documentation, but have not received anything. I was not aware of my HELOC being added to my first and of the new second, until XXXX XXXX reviewed my account. 

How any consumer is to understand this web of an agreement is deceptive and goes against the Statement Wells Fargo claims as to being a responsible lender. To make the situation even more confusing, my tax-impound account kept changing my payment. They would decrease with a refund and then increase with a shortage. If there is extra funds in the account, why would n't it be applied to reducing my principal?
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 Nationwide Recovery Service reported eleven ( 11 ) separate collections accounts on my credit report. I had not been contacted by them prior to this. On XX/XX/2022 I called and spoke to an agent. I did not verify my address, in fact I told them the address they gave me was wrong, did not verify my birthday or any other PIH information and the agent provided me with dates that " I '' was in the urgent care. I staunchly believe that to be a HIPPA violation. Once I explained this breach of privacy as they did not verify it was in fact me on the phone, approximately 20 minutes later re-reported the debt on my credit report. The agent was extremely rude and retaliated when I stated that I would be making a complaint. Secondly, after reviewing the new changes to medical bill reporting, I called and asked why these debts were still on my credit report as all eleven ( 11 ) are under {$500.00}, with the most being {$320.00}. The agent said that because the total was more they won't take them off, however they are each reported as individual accounts. That agent began yelling at me in an extremely rude manner and hung up as I was trying to ask a follow-up question. I am very afraid of this company and what they may do to retaliate.