23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The loan company is XXXX and the loan officer is XXXX. 
Recently, I had a contract on my home. Over a month later, this lender decided to give a denial letter. We, my realtors, and the buyers asked if everything was ok just a week prior, he said market wonderful. Some issues from an old school debt but that ok. They wanted to extend the contract. Agreeing and asking for more, earnest money deposit. Now this lender waited until 1 day before closing and denied their loan. This has made my house months on realtor called he was very nasty. Condescending, and downright cruel. My name is XXXX the property in question is located at XXXX, FL XXXX From : XXXX Sent : XX/XX/2017 To : XXXX Subject : Re : Loan denial I think Neale should be responsible for that or the loan company cause we were not told about the income they just denied us now we have t start over for the third time this is the second house we lost cause of XXXX
Product: Credit card

Please refer to the attached documents. I request the bureau to commence an investigation into these accounts, as they erroneously report me as late despite my punctuality.
Product: Mortgage

XXXX XXXX XXXX transferred my loan to Nationstar Mortgage. Nationstar will not allow me to register a new account online citing they do not have my account information. Calls to their help line have gone unanswered and I have remained on hold 2 and 3 hours with no response. I CAN NOT pay my mortgage and I have concerned they are engaging in fraud to delay registration and accumulate late fees.
Product: Mortgage

Company continues to show late payments even though payments are made thru XXXX XXXX. Company raised my interest rate to XXXX when the signed interest rate was XXXX.
Product: Money transfer, virtual currency, or money service

I look at my statement at the credit union numerous times a day & on Thursday+ XX/XX/2019,  {$16.00} was fraudulently withdrawn/stolen! 
I was deemed a victim of identity theft soon after the death of my Mother! 
When I.called the phone # on the account, I learned it was Lexington Aw?, I never had an account but the lady wantd my account number after saying she only needed phone # which I provided but I Am attempting to recover from ID theft NOT MAKE IT EASIER for Lexington Law to steal it!!? 
I get my credit report free & recently got XXXX & XXXX so why would I pay? 
I dont pay for my credit score and I do Not deal with Lexington Law ( to my knowledge ). 
Now, the Credit Union is doing an investigation.
Product: Debt or credit management

They will not settle with me bc I have fell under financial hardship they wont take what I can afford and they call and harassment my old jobs!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has violated my consumer rights. They will not remove or fix a XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Product: Checking or savings account

On the XXXX and XXXX of XXXX bank account was overdrew twice by more than 200 dollars. I don't know how that happened. Only a bank officer can do that. I don't have any arrangements with the bank to pay money that is not in the account. 

This is an inside Job, because I covered the money, to avoid my account to be closed.
Product: Checking or savings account

Navy Federal please review this complaint XXXX The reply stated Navy Federal approved my attorney XXXX XXXX XXXX as my AIF and Im requesting the day of that approval. It is stated he was removed XX/XX/2022 when they received a POA revocation document. But for our records were requesting Navy Federal to provide the exact day they claim they approved XXXX XXXX XXXX XXXX as AIF. 
What was the day my attorney was approved as my AIF? Thank you so much for providing this information. This previous complaint only says he was approved but no date was given,
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked the credit bureaus to remove this these items and I asked him to remove them in a timely matter its affected my ability to obtain employment. 

These Items XXXX XXXX XXXX XXXX XXXX  XXXX Re : XXXX XXXX Balance : {$740.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXX XXXX XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AZ XXXX Re XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX It came to mt attention by an employer when I applied for a job.
Product: Checking or savings account

I accessed my account on XX/XX/23 in the afternoon and noticed my account was overdrawn by {$120.00} # #, Upon noticing I planned on making a transfer from my savings account ( which had plenty to cover it ) after work and XXXX shopping. I made a cash deposit & savings transfer @ XXXX XXXX and my account was in the positive. My wife goes to use her card this morning and it declines, After checking the account. I was charged a {$36.00} overdraft fee even though my account was in the positive. I called Customer Service and they informed me due to a XXXX cutoff. It was due. they refused to issue the credit back due to inconsistency on terminology & " terms '' online.
Product: Debt or credit management

I opened Brigit account they take XXXX for a subscription and XXXX $ for a bank where I can withdraw money as they said they asked for my bank information and now that Im requesting funds they are saying my bank isnt associated and I still need to keep making payments and subscription still needs to be paid from active bank account on file its a scam!! I found out they going through a law suit settlement they have XXXX $ of my money
Product: Credit reporting

XXXX -- XXXX XXXX XXXX BANK XXXX {$590.00} i have paid this account off in full please remove this from my credit report as XXXX said it would
Product: Credit reporting or other personal consumer reports

Today, I'm submitting a formal complaint to address fraudulent activity that has impacted my credit report. Upon discovering unauthorized entries, I conducted research on the necessary steps for resolution. It became evident that filing an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov is essential. As per FCRA Section 605B, Credit Reporting Agencies ( CRAs ) are mandated to remove any items listed in an identity theft report, referencing numbers XXXX & XXXX. Attached, you'll find documents supporting the removal of erroneous accounts and inquiries from my credit report. The following items were opened without my authorization : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Per FCRA Section 605B ( a ), I request the immediate removal of these accounts and inquiries attributed to identity theft. Furthermore, I ask for necessary warnings to be sent to all data furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated XXXX XX/XX/XXXX New Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 an XXXX XXXX XXXX XXXX XXXX XXXX XXXX   representative in an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX United States ask me for some information including my name and address, she did not inform nor did I give consent to have a credit check, and now there is a hard inquiry on my Equifax Credit Report .
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I was alerted that my social security number along with other personal identifiable information was leaked through data breach. I am now dealing with additinal credit and non credit credit account attempts. Also utility and payday loans companies attempting loans and XXXX successful utility in my name in XXXX XXXX Nevada.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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. 

XXXX and XXXX had deleted my bankruptcy but XXXX and Experian are not complying to the law.
Product: Credit card or prepaid card

I never get a payment is due notice to my email. This feature is turned on in my account. I also only request electronic mail. After I paid my minimum due payment early and then I checked my account it showed {$0.00} due payment. Target then deducted an additional {$35.00} from autopay without my knowledge. Because there was not enough money in the bank I was charged XXXX overdraft fee. All my bills this month were paid thats why I was stunned to see this. All I got from target was an apology. This is not the first time this has happened. Also some of their employees give out wrong information regarding this problem. When I pay the minimum due early I am paid until next billing cycle.
Product: Money transfer, virtual currency, or money service

Hello XXXX, My account was temporarily limited after I answered the questions of XXXX. It was suddenly banned right after clicking the submission button. I can't believe why XXXX suddenly decided to ban my account without a review. I don't even see that I have violated the terms and conditions of XXXX. 

I worked the same on others as a photo editor using photoshop but they don't get banned on XXXX. In this connection, I would like to request a review and restore my account and I guarantee that I don't involved in any act that could damage the terms of XXXX. 

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

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 
COMPANY : Is in violation of 1681i 5B XXXX XXXX XXXX XXXX : XX/XX/XXXX Account Number : XXXX Amount : XXXX, XXXX Fraudulent inquiries : 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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$410.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$170.00} 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 XXXXXX/XX/XXXX
Product: Student loan

XXXX provided me subprime private loans with a credit score of XXXX and a XXXX $ an hour job living in XXXX XXXX XXXX were originated between XXXX and XXXX by XXXX XXXX , my loan specifically in XXXX. I was mislead and deceived by XXXX when I was issued XXXX XXXX loans and this company knew Id never be able to afford paying them back ; and XXXX has ruined my life by this debt with interest over {$40000.00} XXXX dollars by splitting my loans up into several high interest loans destroying my credit and putting me on the XXXX program in XXXX for one year I laid XXXX $ a month for 12 months then went into default due to job loss and accumulated more debt and never-ending interest payments. NOW THE LAWSUIT IS BRINGING ATTENTION TO THESE CROOKS I CRIED WHEN I SAW THAT ALL THE CRITERIA MET FOR MY LIFE TO FINALLY HAVE A CHANCE FIR A FAMILY AND HOUSE. But when I read to go on the student aid.gov site to make sure my address was up to date I was SHOCKEDXXXX  HAD NOT PUT ME IN DEFAULT IN XXXX then with no yearly re-applying for the XXXX program showing funds they had forged or kept me in the XXXX program for 10 years with the state of Alabama which is not eligible for cancellation of private student loans. I havent made XXXXne payment in 10 years yet they have falsified INFORMATION ON THE GOVERNMENT SITE AND THE APPLICATIONS EACH YEAR HAVE NO SIGNATURE FROM MYSELF OR THE CORRECT STATE OF GA THAT I RECEIVED THE LOAN AND MY PROMISSORY APPLICATIONS I HAVE SHOW! Its overwhelming the illegality of this life ruing act. I put my new GA address on the gov site but read if its not default no cancellation!!!!!! WHAT??? The whole illegal scam was to keep us out of default!! Please help.. XXXX people is a joke!!!!!
Product: Checking or savings account

On XX/XX/XXXX I deposited a check in the amount of {$1900.00} into my DDA account at the Chase branch located on XXXX XXXX XXXX, XXXX, NY. In parallel I withdrew {$980.00} from my DDA. 

I informed the teller that I needed to send the {$980.00} back to someone who was purchasing something from me because they overpaid me with a certified check in the amount of {$1900.00} ( see above ). I was clear with the teller that I was suspicious and wanted to MAKE SURE THE {$1900.00} CHECK CLEARED BEFORE I SENT THEM THE {$980.00} BACK. 

The teller looked at the check and said 'it looked fine ' but as long as your DDA account shows the {$1900.00} deposited into my account by XX/XX/XXXX, " the money was mine ''. 

On XX/XX/XXXX, the {$1900.00} showed in my account so I sent the individual the {$980.00}.

On XX/XX/XXXX I received a bounced check notice from Chase for the {$1900.00}.

On XX/XX/XXXX I went to my local Chase branch in XXXX XXXX, NY, at XXXX XXXX XXXX XXXX. The individual printed out the {$1900.00} check and IMMEDIATELY said it should have been flagged! The most obvious indication was that the FBO on the check was the same person who wrote the check ( I do n't even know what that means ). The Chase associate called the Chase Fraud department and they looked at the check and immediately had the same response. In fact when I explained the story the Fraud associates said that is a very typical fraud pulled on unsuspected individuals. UNFORTUNATELY, they said they could do NOTHING to help me!! I found that infuriating since the ONLY reason I wired the {$980.00} back to the individual was that A CHASE EMPLOYEE at the XXXX XXXX branch TOLD ME WHAT TO DO!!! 

The Chase Fraud associate said that the teller has NO authority as a fraud analyst. I 'm ok with that but THEY NEED TO TELL ME. 

I waited so long because I am XXXX XXXX XXXX and work with banks in the operations space and find myself embarrassed that this happened to me. I am particularly annoyed that Chase just brushed it off. 

I am hoping that you can help me resolve this and get the {$980.00} back from Chase because I only wired that money based on a Chase banking employee 's direction. 

XXXX XXXX
Product: Credit card

American Express has advised the XXXX XXXX XXXXXXXX  that I have unclaimed property under my name for American Express prepaid cards under my name by will not provide the value on the cards to me.
Product: Money transfer, virtual currency, or money service

Wise, formerly known as TransferWise was given the sum of {$200.00} by a company in XXXX, XXXX, which owed me that sum. I am owed {$200.00} by XXXX XXXX located at XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I sent XXXX XXXX my bank wire transfer instructions on XX/XX/year>. XXXX claims it turned the money over to Wise and further claims the funds were sent to my bank on XX/XX/year>. This is not true. Today XXXX sent me a document from Wise claiming the money was on the way to me. I have not received the funds. Can you kindly assist? Many thanks. XXXX XXXX XXXX
Product: Credit card or prepaid card

Payments made in XX/XX/2022, XXXX of them, and a payment through credit counseling service and all of them were not applied to the balance of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an unauthorized hard inquiry on my Equifax credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/XXXX Creditor/ Company name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Creditor/ Company name : XXXX XXXXXXXX XXXX XXXX XXXX I contacted who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore I must request your help in resolving this matter, in accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry 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 inquiry from my credit report and send me the updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your time and assistance. I look forward to your response.
Product: Debt collection

I C SYSTEMS HAD CONTINUED TO REPORT AN UNKNOWN ACCOUNT ON MY CREDIT PROFILE. I DO NOT OWE THIS COMPANY. THIS COMPANY CAN NOT PRESENT A SIGNED AGREEMENT/CONTRACT BETWEEN MYSELF AND THIS COMPANY. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILES.