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

In XXXX 2017 We received 7 letters stating Citibank was closing all of the accounts in my household. The accounts consisted of my husband and me, as well as XXXX of my children. The letter ( which I no longer have ) had no explanation as to why they were doing this. They said they have the right to discontinue business with anyone for any reason they choose. We promptly withdrew all of our money ( XXXX ) from citibank at that point. I contacted the executive offices for Citibank and was told " It was a business decision and business decisions ca n't be reversed. '' A couple of weeks later without notice our XXXX XXXX  XXXX card and XXXX card were cancelled.. which was quite an embarrassment. I since have attempted to re-apply for the XXXX XXXX XXXX card and was denied. I will attach the letter ( which is very concerning to me, my husband and our children ). I am worried for our financial future. I applied for another XXXX not associated with XXXX and was quickly approved. I have also opened another account with a different bank.
Product: Payday loan

I got a mail advertising a small amount of cash as a loan, I needed the money to pay my rent as my husband was not working an I was falling behind on my rent. I contacted on XXXX XXXX, XXXX XXXX XXXX and they offered me as a {$1000.00} they asked me for my SSN/Work/Pay Chekcs/Cheking account. They informed me that I will pay back {$1200.00} ( XXXX principal + XXXX interest ), the payments will be deducted from my cheeking account every two weeks until the {$1200.00} is paid off. After making all my payments I received a text massage informing me that my next payment of {$270.00} is coming up soon on XXXX XXXX. I called the company to informed them that all my payments have been done and I do not owe them any money, they informed me that I owe them {$7300.00} / 44 payments until XXXX/XXXX/XXXX they informed me that I have been charged an interest of 553.1995 % APR. I informed them that this was never mentioned to me before when I request the loan by phone and I asked multiple times and they told me that I only owe {$250.00}.
Product: Prepaid card

i bought a XXXX  gift card with XXXX dollars on it and when i went to use it, it said my transaction was declined so i went to the website to check my balance and it said this card did not exist
Product: Debt collection

Someone opened an account with XXXX  in my name. They owe over XXXX dollars for non-payment and not returning the equipment. I spoke with Sunrise Credit Service, a collection agency, and was told that the account was opened in XXXX. I also spoke with XXXX  and is in the process of resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 
This complaint is due to the XXXX XXXX XXXX with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this your company CEASE and DESIST from disclosing my nonpublic personal information to all without my consent. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given any of these companies the permission to access my nonpublic personal information and cause multiple hard inquires on my credit file. These companies are not attached to any open accounts on my consumer file and have not extended credit to myself. Please remove these hard inquirys immediately : 1.first XXXX XXXX 2 . XXXX Credit Bureau 3. XXXX XXXX 4. XXXX XXXXXXXX XXXX 5. XXXX XXXX 6 XXXX XXXX ( XXXX ) 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX Bank/Seed Transunion is also reporting a two charged off accounts on my consumer credit file, the IRS identifies a charge off or forgiven/cancellation of debt as income, and income can not be reported on a credit file, furthermore a company must send a XXXX form to me, which they have not done, please remove these inaccurate accounts from my report immediately as this is causing my score to be severely impacted. I would not like these accounts to report on my file and I ask you to cease and desist reporting them. Please delete them. 
1 ) XXXX XXXXXXXX XXXX charge off 2 ) XXXX XXXXXXXX XXXX XXXX  charge off Furthermore, In the above-mentioned XXXX XXXX  Transaction , without giving me the opportunity to opt out, Transunion furnished my nonpublic personal information to nonaffiliated third parties. With that said, Transunion has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request ask that Transunion removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. 

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

I filing this complaint, XXXX, XXXX, and Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

Thank You!
Product: Credit reporting, credit repair services, 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 16XXXXXXXX XXXX XXXX account XXXX XXXX {$26000.00}. XXXX XXXX XXXX account # XXXX has violated my rights. By adding collecting accounts of fraudulent accounts thats been removed from my credit report at the making police reports with this company. 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 Chapters. 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

I have sent dispute letters to XXXX  informing them that my son went to court about this Pen Federal account that I co signed on was dismissed in court of law it was not resold to anyone because it has been removed from his credit profile and with out prejudice and responsibilities. The judge said to remove it! and I SENT in a copy of it to CFPB showing the court document and the response. Im not sure why if im showing you proof of the documents, remove it from my credit I was only a co signer NOT MY ACCOUNT! DELETE NOW I HAVE OVER 30 YEARS OF GREAT CREDIT AND THIS IS THE ONLY ITEM THATS negative!! remove now and forever. Pentagon federal CR UN account # XXXX
Product: Mortgage

I applied for a loan modification through Wellsfargo in 2014. Ileft several messages with them including messages to my accountspecialist and the account manager. No one will return my calls! 
When I finally got through to customer service they either hungup on me or put me on hold for an extremely long time. Wellsfargo will not acknowledge receipt of my request for mortgage assistance. I was able to finally get through XXXX and eachtime the representative stated they did n't have my information. 
I have several fax confirmations confirming the package wasrepeatedly sent. The package has been also been sent several times. I have also been making my payments but Fargorefuses to acknowledge that. Anything Consumer Finance can dowill be greatly appreciated! I do not want to lose my homesimply because my mortgage company refuses to communicate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : 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 OF XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX.
Product: Credit card or prepaid card

Comenity bank/ulta lowered my credit limit from {$400.00} to {$100.00} without notifying me, and have now closed my card due to purchases due to two returned payments that an account number was simply typed in wrong for. They lowered my credit limit based off of fraudulent info on my credit report and have now lowered my limit to {$100.00}. Rarely have I ever been late or missed a payment, but things happen. This card has been nothing but issues, from them holding payments until the next billing cycle even though my bank verified they were paid to lowering my credit limit without telling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports : XXXX, XXXX, XXXX. I have one Hard Inquiry was made by Company on XXXX XXXX,XXXX.Ally Financial : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have called Ally Financial XXXX XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent letters to XXXX, XXXX and Transunion requesting that my personal information be updated. As of this date, I have not received any response.
Product: Credit card

My issue is with Synchrony Bank, the creditor for my HSN credit card. I have had this card for years and have always been in good standing, they recently cut my credit limit, that's fine but I had prior purchases that were done on an Easy Pay plan, before the decrease, and the installments that are left on those have put my account over the decreased limit, so now they have charged my account with over limit fees! When I addressed this problem with their cust service rep. I was told to use a different card for those payments?? Seriously, is that even legal for them to do that??
Product: Credit card or prepaid card

I did a product change from Chase Freedom to Chase Sapphire Reserve on XX/XX/XXXX. The representative I talked to told me specifically that the annual fee will be {$450.00}. My annual fee was post on XX/XX/XXXX with the amount of {$550.00}, so I called them again on XX/XX/XXXX. During that phone call the representative told me {$100.00} credit will be post on my account in a few days. I never received those credit. Today ( XX/XX/XXXX ), I called them again, they said the two agents I previously talked to give me the wrong information and the annual fee will remain {$550.00} which they can not do anything about it. They asked me to pay for the extra {$100.00} which I am not responsible for.
Product: Credit reporting or other personal consumer reports

Starting in XXXX, I was unable to get logged into Experian. I know that my information was included in their data breach. I have been unsuccessful numerous times in reaching out to Experian to try and change my password. I clicked the forgot password link, and It sent me an email with a link to change the password. However, when I click the link, it directs me to first change my password, and then it immediately changes to a screen to input my social security number. After adding my social security number and clicking continue, nothing happens. I have tried this numerous times, and nothing. I have called, and their automated system makes it impossible to talk to anyone. I have called XXXX different numbers numerous times to no avail. ( XXXX ) XXXX and ( XXXX ) XXXX. I need assistance as I am trying to rebuild my credit, and I am lost as to what I should do.
Product: Mortgage

To whom it may concern : As XXXX  XXXX  in New Jersey During this COVID-19, we are having a financial hardship to pay our mortgage as our XXXX  were abruptly forced to stop doing XXXX XXXX XXXX XXXX  and XXXX XXXX and XXXX  are not cutting for us. 

Our motgage company name Mr.Cooper is not willing to work with us, when called them they threatened us to report to credit bureau and are suggesting that they do not have any plans as of yet to put halt on our mortgage payments. 

During this process, as struggling XXXX XXXX we want to make sure that our credit stays intact, as to rewstablish our XXXX  when this scare is over we will need all the resources available to us to start our XXXX  again. 

Please help us defer our mortgage payments through this company, as most of the lending companies have already done this. Your help is much needed. Thank you.
Product: Vehicle loan or lease

I applied to take over an existing Ford lease and Ford credit failed to disclose the terms of the lease assumption, failed to disclose statutory documents and failed to provide the credit decisions.
Product: Credit card

This company is claiming I opened an account with them on XXXX of XXXX. I have not. This debt started as out a {$20.00} late fee that went unpaid from XXXX! That late fee from XXXX  years ago has ballooned to {$260.00}. This is illegal and malicious and supersedes the law of of fair debt practices. No way a {$20.00} late fee has skyrocketed this high. I have asked for proof of the debt which they have refused because they know it does not exist.
Product: Credit reporting or other personal consumer reports

WSFS Bank has continually leaked my personal credit to secondary market and consumer loan companies after applying for a business line of credit. This has happened 4 times now in the last year.

WSFS has either an internal technology leak ( hacked ) or an internal employee is getting paid by a 3rd party to share customers information illegally.

WSFS has been made aware of their internal problem and denies they have an issue. I've discussed with our business banker and the loan/mortgage department multiple times and they claim this " happens ''. We have not had this issue with any of our other business banks over the last 20 years.

I wanted this to be put on record so other consumers are aware that WSFS will share their personal information to the open market without consent.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX/2994 ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXXXXXX XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX XXXX XXXX XXXX my identity has been breached, at this address causing me to be in a serious financial situation. It's even effected mail service to the home, no resources or assistance has been offered or any help obtaining the proper assistance. It's has only gotten worse to the point I'm living in a place that has no utility services or running water, while being on my own. I'm having to have paid help for credit rehabilitation also, as of today I'm currently still in this dwelling with hopes of get the right support and immediate help.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit card or prepaid card

Hi, I finally ( I think - no confirmation yet ) had the company - Barclays credit card US close my account. I took over 45 minutes on the phone and persistence. The service rep said the " computers were not working '' and to call back later. It took several request from me to connect me to a supervisor who eventually canceled my credit card. I suspect this was a scam to make it hard to cancel a card and want to alert someone of this. I will send an update if I actually don't get it canceled.
Product: Debt collection

This is the second time i submit a complaint against the company demanding to remove the account in collection from my credit report ... i have no ownership of this accounts ... i want the company to review their files and match my ssn against the ssn they have on file ...
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan from this company XX/XX/XXXX. The loan I applied for and agreement that I electronically signed said the loan amount would be {$800.00} and the pay back amount would be {$1800.00}. As of today I have made my monthly payments which total to {$5300.00}. This is way more than I agreed to. Ive tried to close this account, stop the payments, find out why this is happening. They took my normal payment of {$200.00} out of my account on XX/XX/XXXX and then on XX/XX/XXXX they took out XXXX unauthorized payments in the amounts of {$680.00}, {$170.00}, {$510.00}, causing my bank account to go negative and giving me overdraft fees. I dont understand why or how this company can think it is okay to give someone an {$800.00} loan, claim that the payback amount is {$1800.00} with no hidden fees and then proceed to demand a repayment of {$6700.00}. This is an interest rate of over 740 %. Not to mention the random unauthorized payments that I never agreed to.
Product: Money transfer, virtual currency, or money service

I have been working since XX/XX/XXXX when this whole nightmare began. I received a phone call from Wells Fargos customer service number. When I answered the guy on the other line began reading off legit transactions from my checking account. I just had fraud issues the week before so I thought great they are helping me stay ahead of it. The guy on the other line ended up walking me through what I thought was signing me up for fraud alerts on my phone. Little did I know he had wired almost $ XXXX to himself. During this phone call he had compromised my phone by forwarding all incoming and outgoing phone calls. I provided Wells Fargo with these call logs that were provided by my husbands XXXX XXXX XXXX rep for his company that clearly shows that my phone was compromised. I had to bring my phone into an XXXX XXXX XXXX branch just to get my phone reset. I reached out to my local police department that provided Wells Fargo with a full police report stating that my phone was indeed compromised. When I was contacted today to tell me yet again that my claim is being denied the Wells Fargo rep said that it is almost impossible to get an official report from XXXX XXXX XXXX. I dont know what else to do. Please help me! I need my money back and I have provided more than enough supporting documentation to show that my phone was compromised to Wells Fargo to get my money back yet they just keep denying me. I have been fighting this for over two months now.