23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a certified letter was mailed to transunion and XXXX in regards to inquiries on my report that were not given the authority to furnish my report. They told me that they had the ability to do whatever they wanted and to report it if it was authorized or not because they had permissible purposes i advised then that they did NOT have permissible purposes and the items should be removed. They stated that they did not receive my letters. I have proof of delivery also. I spent 2 hours on the phone with a representative from each bureau which said the same things to me. They would not remove the inquiries. 

Inquiries TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Hello, My student loans were forgiven under the PSLF program in XX/XX/XXXX, however, I still have a balance of {$750.00} that is being reflected on my account due to interest accrued during a forced administrative forbearance ( see attached screenshot ). I made on-time payments in XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was notified that my account was put on a retro-active administrative forbearance starting in XX/XX/XXXX, which meant I did not have to make the XXXX and XXXX payments I already had during this time and if I wanted a refund, to request one. I requested a refund for XXXX and XX/XX/XXXX, which I have never received, and the interest for those months is still on my account. Since XX/XX/XXXX, I have called in twice, waiting very long hold times, to hear that " it will go away eventually '' from both Mohela representatives. I sent in a message in XXXX and never got a response. I have documentation from Mohela that states " Your interest rate is being set to 0 % from XX/XX/XXXX, through XX/XX/XXXX, which means no interest accrues during this period '' so why should my account reflect an outstanding balance due to interest for a period with no interest and for a refund I never received? 

It should be noted that this outstanding balance is spread across 7 different Mohela/DOFED accounts on my credit report and I believe it has a negative impact on my rating. Mohela reps told me on the phone the US treasury is responsible for the refund and the request was sent to them in XX/XX/XXXX. 

Thank you for any assistance with this matter.
Product: Checking or savings account

I am submitting this complaint regarding my checking account and credit card with Navy Federal Credit Union ( NFCU ). The following issues require your immediate attention : 1. Overdraft Fees on Authorized Transactions NFCU has repeatedly allowed transactions to process on my checking account when there were insufficient funds, resulting in overdraft fees from XXXX. This practice appears predatory and causes unnecessary financial hardship. 

2. Failure to Honor Interest Rate Cap Under LA XXXX XXXX As an active-duty service member, I was entitled to a 6 % cap on interest rates under Louisiana law XXXX XXXX. Despite being on XXXX XXXX, NFCU charged me 18 % interest on my credit card for over six years. I was refunded {$3000.00}, which does not appear to adequately account for the excessive interest I paid over this period. 

3. Unauthorized Deduction of {$500.00} from My Account After receiving the partial refund, NFCU removed {$500.00} from my account without explanation or notification. This action was unauthorized and has not been justified despite my attempts to seek clarification. 



These practices are unfair, violate consumer protection laws, and fail to adhere to protections afforded to service members under the Servicemembers Civil Relief Act ( SCRA ) and applicable state laws.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I received collection notices from XXXX XXXX for a credit card that I did not apply for or authorize. The account was fraudulently opened in my name, and the total amount owed is XXXX XXXX. I immediately contacted XXXX XXXX to dispute the charges and informed them that this account was opened without my knowledge or consent. I have also taken additional steps by reporting the identity theft incident to the appropriate authorities and the FTC.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was informed via my credit card company 's phone app that an address- that was unknown to me- was found to be associated with my SSN. That same day, I attempted to create accounts and log in to the websites of all three credit bureaus ( XXXX, XXXX, and Experian ) to place a freeze on my SSN. I was able to successfully create online accounts and freeze my credit with XXXX and XXXX, but was unable to create an online account with Experian. I was unable to do so because an incorrect phone number and email address were displayed on the screen where you are asked to verify your identity by having a 6 digit code sent to you via text, call, or email. The person who has fraudulent access to my SSN registered their phone number and email with my SSN on Experian 's website. This has made it impossible for me to register an account with my correct phone number and email address.

I attempted to contact Experian via phone on XX/XX/year> to remove the fraudulent information, but was met with robot receptionists. I finally found a phone number that connected me with a live person. After two hours of waiting, being transferred to different departments, and given no answers, the Experian representative disconnected my phone call. 
On XX/XX/XXXX, I contacted Experian through their XXXX direct messenger. The response give to me was to upload my identifying information to experian.com/upload with a designated case number and description of my problem. 
On XX/XX/XXXX I uploaded all necessary identifying documents to the experian.com/upload website with a description of my problem. I explained I wanted my online account reset so the fraudulent phone number and email could be removed so I could verify my identity with my own phone number and email address. 
On XX/XX/year> I received an email from Experian with my credit report. The credit report showed some soft inquires from companies and banks of which I have had no personal dealings. These soft inquiries were not present on my XXXX or XXXX reports, which concerns me. I went to the Experian website to see if my account had been reset, per my initial request, so I could create a log in with my correct contact information. The fraudulent phone number and email address have not been removed as I requested.

Experian has been an absolute nightmare to deal with. The other two credit bureaus were easy to use. As a bureau that deals with citizen 's most sensitive and private information, it is EMBARRASSING that it was easier for the WRONG person to use my SSN to create an account on Experian than it has been for me to remove their information and create an account for myself.

I have no faith that I will ever be able to create an account on Experian 's website. Instead, I am left hoping that the person who has used my SSN fraudulently won't do anything nefarious, damaging, or exploitative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken with the office to let them know, I was not aware of them not being in network with my insurance, I keep asking them to please verify before I'm seen and they keep telling me that everything is good with my insurance. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # 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
Product: Credit reporting or other personal consumer reports

Good day XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX Account XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old XXXX have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help,
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 was violated when it was involved in a data breach allowing different companies to have access and hackers to get my social and any other information that I didnt give to anyone.
Product: Mortgage

After my husband separated from the XXXX XXXX we struggled to friend a job in order to make consistent mortgage payments for a long time and eventually got behind. We started filing paperwork for hardship deferment so we didn't lose the house, but it's been a nightmare. 

Every person we speak to has a different set of requirements. They keep asking for something new. And we've been doing all this for months now because one person will tell us one thing then a couple of months later we have to do it again because that person told us the wrong thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX I am writing to dispute the following information that Two different credit card companies provided to XXXX  , TransUnion and XXXX. The item that I want to dispute is negative payment history on my credit file. Below I left the name, account numbers and dates of inaccurate information. This item from XXXX  XXXX XXXX is inaccurate because I have paid off my debt from this company. As well as being an XXXX XXXX XXXX at that time, whom had no knowledge of the SCRA Relief. This account has been closed for almost 8years and has reported in the last 3 years to my credit file. I am requesting that XXXX  XXXX XXXX have the item removed or the negative payment history removed to correct the information. As well as XXXX  XXXX  removing the negative late payment. There are addresses and phone numbers that I dont recognize as well. I ask that all addresses and phone numbers be erased from my credit file except the one listed above. 

Sincerely, XXXX XXXX XXXX  XXXX  : XXXX Dispute late payment : XX/XX/XXXX XXXX  XXXX XXXX : XXXX DISPUTE late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not allowed me to file a dispute online although I pay premium pricing to utilize their services. Error message reports were experiencing difficulties and this has been ongoing for 3+ months. Ive called several times and am routed to an online virtual assistant which appears to file the dispute but am notified days later with results being ready, only to open the report only containing a failed request for my credit report. This is beyond frustrating because I have the right to dispute and challenge any inaccuracies reporting to these bureaus such as an incorrect late payment being reported and this company is withholding my consumer rights.
Product: Debt collection

This claim regards labwork that was covered 100 % by XXXX.I sent in an appeal to XXXX. I did not find out about this balance until XX/XX/2016. I immeditaely addressed this by sending un an appeal.I contacte myXXXX XXXX office and requestsed that they submit a corrected addendum if XXXX codes to correct this bill by XXXX. I am still wainting on a response. XXXX covers all pre-screening and preventative lab work. I am not responsible. Please remove from collections. Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XX/XX/XXXX XXXXXXXX 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

On XX/XX/2020, I sent Equifax a letter disputing an account ( XXXX XXXX ) listed on my report with Equifax, I believe to be inaccurate. Based on my certified mailing tracking record number XXXX they received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received no response at all. By not replying in a timely manner to my initial letter Equifax has not only violated federal law ( FCRA ), but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.
Product: Credit reporting or other personal consumer reports

It says on my report this account was open XX/XX/year> payment status collection charge off with high balance of XXXX date close XXXX XXXX I contacted the company and told them I didn't get a loan from them and ask them could I get a copy of the paperwork they said yes I never received anything also the address they had was incorrect I ask for a dispute as well they said it was gon na be removed they never removed it
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 : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

The debt is not mines the creditor continues to remove it and reinsert it back on my credit with a new open date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are a list of inaccurate names and addresses that appear on my credit report. 
There should be no variations of my name. My name is XXXX XXXX XXXX. This is how I would like it to appear on my report. My current address is XXXX XXXX XXXX XXXX GA XXXX. I have never lived at the previous addresses before. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX LA XXXX
Product: Payday loan, title loan, or personal loan

IcalledintomakepaymentonXX/XX/19throughACH,thefundswereneverwithdrawnfrommyaccount.OnXX/XX/19Icontactedcheckingoagaintoadvisethatmyfundsneverwithdrewmyaccount,andtheyadvisedthattherewasanissue,andthattheyneededtoescalateuptomanagementandthatIwouldgetacallback.IwasassuredbycustomerservicethatIwouldn'tbechargedextrainterestandtheoriginaldateforpayoffoftheXX/XX/19wouldbehonored.Ineverdidreceiveacallback,soIcontactedcheckingoonXX/XX/19aspayoffstillwasnotwithdrewfrommyaccount.IwastoldthatIcanpaywithadebitcard,asmybankwouldnotacceptmyACHandthatnowwouldnotbehonoringmyoriginalpayoffandattemptedtodothatandadvisedthatitwasnotbeingacceptedandhadtocontactmybanktoreleaseanyholds.Iknowhaveincurredover200.00ininterest,withoutanyphonecallsfromcheckingotoadvisethattheycouldnotacceptpaymentsfromtheXX/XX/19.
Product: Credit card or prepaid card

Dear CFPB, I am writing this email to file a complaint against Wells Fargo bank for their failure to address customer disputes. 

Regarding this particular transaction, I have contacted the bank multiple times, but they have shown a passive attitude towards resolving the issue. They falsely claimed to have submitted the dispute, but it was nothing but a lie. The seller has provided no post-sales service, and it is only this bank that is incapable of retrieving any disputed funds. It is an inept bank that only cares about taking money without fulfilling their responsibilities. 

It is crucial for the authorities to supervise this matter and ensure that my payment is recovered. I urge you to investigate this complaint thoroughly until the bank takes appropriate action. 

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

I have closed accounts on my credit report that should not be there, they are showing incorrect balances and information unrelated to me.
Product: Checking or savings account

I am writing to formally lodge a complaint regarding Capital One Bank 's handling of my checking account and my wifes business account. Despite multiple attempts to resolve these issues through the banks customer service channels, I have been unable to access and use the funds in these accounts, causing significant financial hardship. 

Account Issues : Inaccessible Funds : I am unable to utilize the funds in my checking account via both the Capital One mobile app and website. This includes being unable to transfer funds, send money through XXXX, or conduct any other necessary banking transactions. 
Business Account Blocked : My wifes business account, which she relies on for her XXXX income, has also been blocked. This has prevented her from receiving payments for completed work, severely impacting her business operations and financial stability. 
Failed Resolution Attempts : Branch Visit : I personally visited a Capital One branch seeking a solution. The staff at the branch advised me to call the toll-free customer service number. 
Customer Service Calls : I have called the customer service number twice, detailing the issues each time. During my second call, I spoke with a representative named XXXX, who was not polite and did not resolve the issue. Instead, she strictly demanded the phone number of the person who wrote a check to me and stated that if I did not provide this phone number, she would not unlock the account. She indicated that this situation arose due to the most recent check deposited. I was then transferred to a XXXX named XXXX, who further insisted that I provide the phone number of XXXX XXXX  where the check originated. 
Despite these calls, the problem remains unresolved, and I have received no satisfactory explanation or resolution. 

The inability to access our funds is causing severe distress and financial disruption. We rely on these accounts for both personal and business expenses, and the current situation is causing significant harm. 

I am seeking your urgent assistance to : Investigate and Resolve the Issue : Ensure that Capital One unblocks and restores full access to both accounts immediately, including enabling all functionalities such as fund transfers and XXXX payments. 
Provide a Detailed Explanation : Obtain a thorough explanation from Capital One regarding why these issues occurred and assurances that they will not happen again. 
Compensate for Any Financial Losses : Ensure that any fees incurred or losses due to the inability to access our funds are promptly reimbursed. 
Failure to address this issue immediately will leave me no choice but to pursue further action to protect my financial interests. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this urgent issue. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/year> I sent a request to XXXX XXXX, Experian, and XXXX advising them that I wish to Opt-Out per 15 USC 6802b , 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ) on the accounts listed below and no one has responded to me as of today. 

XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX
Product: Mortgage

We refinanced our VA loan for the lower interest rate and our loan was sold to Dovenmuehle Mortgage Inc out of XXXX XXXX, IL. I have been calling them for about the last XXXX months every few days with no resolution. I am 100 % XXXX vet and do not pay real estate taxes. I filed the paperwork with Dovenmuehle and they initially acknowledged it, changed my payment and refunded some of my money. A month after that they paid the state an additional XXXX for what they said was a real estate bill ( the state knew nothing about it. ) I called the mortgage company again and they said they would research it, none of their reps can explain or even understand whats going on in my account, they are extremely rude and now my mortgage payment has gone up to more than what it initially was and they are saying I owe them money. I have complained to them numerous times, they wont allow me to speak with a supervisor And their complaint department are the same worthless customer service reps. Also in the process of me complaining they also sent a letter for another customer XXXX and XXXX XXXX in XXXX XXXX, Sc that includes their property address and loan number.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I was scammed by someone who had hacked into a company that I was paying an invoice through. My initial email was from the actual company XXXX XXXX in Massachusetts the follow up email a day later was from the scammer who hacked her email including bank routing info to Chase Bank. I paid the balance of {$15000.00}. XXXX weeks later I received a phone call from XXXX pools that her email had been hacked and had paid someone else. I filed a report through XXXX XXXX XXXX but the could not recover the funds. I tried calling Chase but the would not help, they said along with XXXX XXXX XXXX without the permission of the bank account holder who is the scammer they could not relinquish any information. Sound absurd that they have any legal rights after stealing money. And electronic check in my account to Chase Bank made out to Chase Bank and cashed there, and no one could help recover my funds. 

Info from scammer. 
XXXX XXXX our chase bank for ACH payment and below is the details you need. 

Banke Name : Chase Bank Account Name : XXXX XXXX Bank address : XXXX XXXX XXXX, XXXX IL XXXX Account : XXXX Routing : XXXX Thanks, XXXX XXXX Sent from my XXXX
Product: Credit card

my credit line was reduced from XXXX to XXXX after a lump sum payment I recently made of XXXX my payment history has never been late since its inception.
Product: Credit card or prepaid card

Amazon.com store card blocks access to 3rd party finance management apps ( XXXX, XXXX, etc. ).