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

i made my payment on XX/XX/2022 but becuase bank CHANGED THE LOAN NUMBER IN XXXX without any notice to me the payment was returned that caused that bank claims i was missing a payment after the payment was returned the bank reported my late payment to the 3 credit beuros, this is after the only problem was the bank it self!! I tried contacting the bank they simply laughed at me and didnt wan na help!! i was totally abused by the bank this is affecting me day to day bases as i can not get a new loan for a different property i have attched the 2 bank satments proof they changed the loan number for the same preperty adress and proof of payments from chas bank and the returen that i was not awaere of
Product: Credit reporting or other personal consumer reports

National Credit System has been reporting an account on my credit report for several months ( XXXX ). This account is fraudulent, and I have submitted to XXXX XXXX, and XXXX XXXX XXXX an FTC Statement, addressing this issue. Attached is an entry to a third-party credit reporting company called XXXX XXXX XXXX I spoke with a XXXX today, and she stated the social security number was incorrect. I am attaching a copy of the XXXX Police report and a copy of my identification, and asking for the removal of the account listed with all credit reporting agencies. 

NATIONAL CREDIT SYST Reported : XXXX XXXX, XXXX  - {$17000.00} Needs Attention Overview You have 100 % left to pay on this collection. 

XXXX {$17000.00} XXXX XXXX {$17000.00} Opened XXXX. XXXX, XXXX  ( XXXX XXXX. ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I noticed some inquiries from companies I did not give consent to access my credit report I respectfully request the removal of these unauthorized inquiries immediately to avoid any further confusion as I did not initiate these inquiries nor did I give any form of consent electronically, written, in person or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit report unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report # 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 or other personal consumer reports

Today, I got an email from XXXX to check my credit report due to a new action taken today and thought it was part of my mortgage process ( I am currently trying to buy a home ), but when I looked, it was a collections company IC System fraudulently putting a collection notice on my credit file for XXXX who fraudulently told them I opened an account with them in XXXX XXXX, MI ( XXXX XXXX XXXX XXXX XXXX XXXX. I have NEVER been there, didn't open an account, have no XXXX account now or in the past, and never gave anyone my name and social security number to open ANY accounts on my behalf. XXXX and IC System will not take this ID theft off my credit report and now my housing is in jeopardy! I'm trying to close on this house and IC System says to pay this criminal 's bill but that won't take it off my credit report and XXXX offered for me to pay for a premium service. This is insanity. I don't understand how I can't even pay a phone bill without my phone getting a texted PIN to verify me, but some criminal can rack up years of debt in my name without have to verify themselves! To get me off the customer service line, XXXX advised me to report this to the FTC and they directed me here. What can you do about this fraud?
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were accessed despite having sufficient funds available at the time the transaction was authorized. However, due to delayed posting of charges and credit, I was unfairly charged overdraft fees. 
The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. This company is currently showing 30 days late ( XXXX 2021 ). I have read enough to understand my rights. Equifax is attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXXXXXX XXXX  XXXX )
Product: Mortgage

I have received an escrow account disclosure statement dated XX/XX/XXXX from US Bank ( XXXX ). The analysts shows a shortage of {$3300.00}. Since XXXX of XXXX I have been going back and forth with US bank trying to get an explanation of where this shortage is coming from. I have made numerous phone calls since then. I was told to wait till XX/XX/XXXX to get a recalculation of the analysis since it was drastically miscalculate, probably due to someone's error. I have spoken to several customer service representatives and none of them was able to find out how this mistake happened and why. After waiting and getting nothing in the mail or via email, today, XX/XX/XXXX I called again. And I was told that someone made a note on the account that there was no need for recalculation. US bank miscalculated this analysis, they made a mistake and they are not even able to explain this to a consumer. I have the right to know, to be explained in layman terms how US Bank landed on this amount. Even the customer service reps were puzzled as to this unfounded analysis calculation. There were absolutely no changes that could affect such drastic shortage on my escrow account. This is beyond frustrating. This huge miscalculation of shortage caused my mortgage payment increase by almost {$300.00} a month making it twice as hard to keep up with payments and maintaining good payment history. I have been trying to get answers from US Bank to no end. Today I was told to wait till XX/XX/XXXX to get answers. I need answers and explanation and accurate recalculation YESTERDAY. I Can not be pushed to next month and next and next endlessly because the bank doesn't know how to calculate properly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX  These Inquiries were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account Number- XXXX. I just received a copy of my credit report I noticed that you guys are reporting this account incorrectly this collection account is reporting not only OPEN, but also shows the past due balance of {$650.00} according to the FCRA, I have a a right to a accurate credit report please remove this account immediately from my credit report please provide me a new copy of my credit report reflecting this account upon completion
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, PLAZA SERVICES add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PLAZA SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Vehicle loan or lease

I have continual complaint of excess interest charges by citizens one bank and my auto loan. That was issue this recent complaint and Ive complained to the bank more than once. NOW Im trying to jusy pay off the loan and they wont let me pay it off ... proof they continue to bilk me for interest. 
XXXX XXXX AGAIN handling my complaint same as last year you will get reply from her according to her BUT she had just called me and hung up in my face.. RUDE NASTY and never addressed any actual issue or the fact they KNOW I want to pay off the loan I dont want to do buisines with this corrupt bank. XXXX hung up in my face they have the recording too she said she was fgoing to give me the pay off amount and NEVER did. she said she was going to correct the now additional interest due to their own negligence and obviously that was never done either.. This bank is not allowing me to PAY OFF THE LOAN. Ive informed them since the XXXX XX/XX/2021 I dont want to do business with this XXXX bank and I cant get anyone on any phone or website contact there is NO customer service now they are telling me conflicting information.. they said I could pay with a credit card and transfered me then im on hold still XXXX at night prior saying he couldnt take credit card payment???? XXXX cut me off so I couldnt pay off the loan now anyone I happen to get on phone is unable to take payment??? intersst continues to accrue and I cant pay off the loan because they wont let me!! its one thing after another with this XXXX bank. no one has addressed any of my concerns either this XXXX keeps making same lame excuses that are not accurate at all as I informed original complaint.. NOW they are not letting me pay off the loan!!
Product: Mortgage

Every year, our huge building bids out the required insurance. Every year I receive and forward proof of insurance to my mortgage servicing company, known by several different names, including XXXX, NewRez & Shellpoint. They have billed me for lender placed insurance multiple times. Each time I have had to spend a lot of my time getting them to remove their unnecessary lender placed insurance. I have received several different instructions for how to get proof of insurance to them, and there's no easy way to do it. They claim that my account is in arrears, but that's only because they have overcharged my account for lender placed insurance. I have provided proof of insurance multiple times, yet they have not removed the extra charges. I have also provided a record of my payments, which have all been made automatically every month without fail. They intentionally make it very difficult to avoid their extra charges, and when I'm able to get them to remove their extra charges, it takes hours of my time. I can not afford to spend so much time fighting their unethical tactics which, in my opinion, should be illegal. This is my second complaint [ see XXXX ] for the exact same problem. I have no problem making all my payments on time, but I refuse to pay the extra charges for lender placed insurance that were and will always be unnecessary.
Product: Checking or savings account

I recently discovered that fraudulent activities were conducted on my account without my knowledge or consent. As a result, I believe it is essential for the checks system and other reporting agencies to remove the fraud alert associated with my account. This situation not only infringes upon my consumer rights but also violates XXXX XXXX, which protects my right to privacy and control over my financial information. The unauthorized sharing of my data by banks and reporting agencies compromises my trust and rights as a consumer. I urge immediate action to rectify this matter and restore my standing.
Product: Debt collection

My wife receive a call from unidentified male, claiming to be a " Officer of the Court '' and " Needed to verify my address to send a process server. '' She hand the phone to me I challenged him and requested he provide his name and the name of the company he worked for. He didn't answered. He then stated " Someone has filed a complaint againt me '' I again challenged him He again refused to ID himself, but stated he was in the employ of RMP. I explained since he has lied repeatedly, I was more than willing to accept being served and meeting his complaint in front of a Judge. Then he hung up. I have received a letter from RMP XXXX XXXX XXXX XXXX XXXX Tx. It states I owe XXXX hospital bill to XXXX XXXX. XXXX. I was in the hospital refused multible attempts to have a XXXX XXXX preform unnecessary surgeries on me. Todate the ER Phy service have refund me for over payment, the Radiology as well. I disputed the hospital bill in witting with a register letter at least 60 days ago. To date I have not received a response on the erroneous charges I was presented with.
Product: Payday loan, title loan, or personal loan

This company wanted my bank acct. Info before loan amount or fees were discussed. They stated they were in good standing with the XXXX. Ok i put in my bank info.They approved me for XXXX. The last step said they needed to verify my bank account. They wanted my online banking login info. To make things worse the terms and conditions state all submitted info is property of opp loans.That is a huge red flag and they have my bank info now. There are ways to verify correct bank info. This should be fraud.
Product: Credit card or prepaid card

Please reference Complaint # XXXX... 

I continue to have concerns about Wells Fargo 's handling of my Credit Card applications. Although the latest set of concerns were shared w/ Senior EVP and CEO of XXXX XXXX XXXXXXXX XXXX XXXX via formal letter on XX/XX/22, I'm yet to receive a reply. 

A copy of my XX/XX/22 letter to XXXX XXXX is attached.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, two days before my two major credit card bills were due, I received an email from Tally informing me that they would no longer be servicing my account ( aka paying my credit card payments ) and that I would be responsible for these payments effective immediately. With two days ' notice before my cards were due and having already budgeted for Tally to make the payments for me as they had for the previous 26 months, I was left with a TREMENDOUS financial burden, right before XXXX no less! I scrambled to find the funds to make my credit card payments and ultimately was unable to do so on time. Two months later I am still dealing with the snowball effects from this bait and switch. Tally is in clear breach of contract with myself, and countless others who were impacted by this. They made ZERO attempts to rectify the situation, just a " Sorry, you're out of luck '' response. Tally needs to make this right, either by forgiving the remaining balances on all Tally issued lines of credit, or by refunding me my payments in full. Without an acceptable preparatory period, I was suddenly expected to pay two bills when previously only required to pay one. A pulled investment was to blame for them no longer having funding to assist with my loan.As a member of good standing with this organization, I had a lower interest rate. With the severance of their terms, my interest rate increased by 5 %, thereby increasing my loan amount.I feel like they have violated the conditions of our agreement and should be required to stop interest from accruing at a higher rate on my balance.
Product: Mortgage

On XX/XX/21 I received from ClosingUSA LLC ( the closing company ) a proceeds check and final XXXX settlement statement from the closing of the loan on my primary residence. 

The final statement had an error in the amount of {$1000.00}. It was caused by dropping the discount points item from the Debit side of the settlement statement. 

On XX/XX/21, I informed the closing company of this error by email and have not heard back. 

On XX/XX/21, I sent the same information to the closing company by first class mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO  score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - they are reporting under two names with incorrect information on my XXXX, XXXX & XXXX report. I have tried to call on several attempts and get a pre recorded message stating my account is being handled by someone else. XXXX XXXX XXXX  is reporting my payment is has never been late or behind with a reporting balance of {$540.00} on my XXXX report and on my XXXX report I see a company by the name of XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX - reporting balance {$820.00}. I have made several attempts to getting this issue resolved by both credit reporting agencies and the company reporting the incorrect information i have recently again disputed the information on XXXX XXXX & XXXX received my request on XX/XX/2018 my current file number : XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am requesting the deletion of account XXXX XXXX XXXX XXXXXXXX from my credit report as this account was sold and now reporting as ABSOLUTE RESOLUTIONS I ( Original Creditor : XXXX XXXX XXXX ). You are also reporting different balances when this is the same account. Please remove both accounts due to double jeopardy and incorrect reporting. Account XXXX was written off XXXX, and account XXXX was opened XX/XX/23 making this the same account obviously just sold and yet you are reporting different balances. How does this meet FCRA/FDCPA? I will take all parties to small claims court for negligence and violations of consumer laws if this account is not removed immediately.
Product: Student loan

Dear XXXX, This is my formal complaint letter against CITI/STDNT Loan RSRC XXXX because I have contacted CITI/STDNT Loan RSRC CNT for them to remove numerous account information because of incorrect and inaccurate information that appears on my credit report, also the statue of limitation on debts has been expired. The account is closed and the balance is {$0.00}, and there are XXXX or items that appears on my credit reports from all major credit reporting agencies. The CITI/STDNT Loan RSRC CNT has either refused to respond. the following account is the items the CITI/STDNT Loan RSRC CNT has refused to investigate and removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and 1 seek appropriate redress for these violations
Product: Debt collection

Today, I received U. S. Mail an XXXX credit disclosure, Confirmation # XXXX ; in which Capital One Bank under the context of being a " creditor '' XXXX XXXX 2016, has now circumvented the three Opt-out letters I wrote. I wrote all XXXX major credit reporting agencies - including XXXX U. S. Mail - as per the bottom of their enclosure in the " pre-approved credit card '' offers I complained to CFPB about. There is a blatant case of fraud here in impersonating a current creditor/debtor relationship to sneak into my credit report when no business relationship exists. I have never applied for any of the approximately XXXX bogus offers of credit. I have opted out before this was put on my credit report - in black and white on page XXXX of XXXX for CFPB review. It is wrong. It is blatant. It is illegal. XXXX clearly distinguishes this recent credit inquiry from others that are promotional in nature and which I have since opted-out upon. FCRA requires a legitimate business reason for such activity. I have tried to stop Capital One Bank, U. S.A., N.A., Accounts Receivable, XXXX, Virginia XXXX to cease and disist all communication with me and all third parties to no avail.
Product: Credit card or prepaid card

I was an authorized user for many years on a Citizen Bank Credit Card. 
After charging {$7500.00} for my Attorney several weeks later my husband disputed the charge and took me off as an authorized user. When I used the card I clearly was an authorized user and no dispute should have been a cepted. I owe this money and it was paid then retracted. I was within my rights and they are doing something illegal. I have no income he is my legal caregiver and i am his financial responsibility going on 36 years. I need that {$7500.00} to be paid to XXXX XXXX XXXX. The charge was made In XX/XX/2017. 
The card was and is still in my name XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2019 i received a phone call from Iberia fraud department asking if i was authorizing a debit of {$49.00} i told XXXX no but on XX/XX/2019 my account was debit for {$49.00} for this amount even tho the card had been cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is falsely reporting information under two different reporting names ( XXXX XXXX XXXX and XXXX ) for one DUPLICATE account, that I owe {$490.00}. I do not owe this account and it is not mine. I am entitled to a fair and accurate credit report.