23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX  XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 ( b ) XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 ( b ). 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 ( b ). 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 ( b ). 
XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 ( b ). 
XXXX XXXX XXXX XXXX XXXXThis inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 ( b ). 
XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681 ( b ). 
XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681 ( b ).
Product: Credit card or prepaid card

I am filling a complaint against XXXX XXXX XXXX, because their careless mistake has caused my credit score to suffer greatly. I contacted them countless times to have them fix their mistake but to no avail. I even hired XXXX XXXX to plead on my behalf, still no response from them. I opened an account with them in XX/XX/XXXX and made a purchase. I contacted them soon after one ( 1 ) month to inquire about my bill and was told I had six ( 6 ) months to make a payment and there was no payment due at this time. Upon checking my credit report the following month I noticed that they reported my account late on all three ( 3 ) credit reports. I then contacted them and was informed by XXXX on XX/XX/XXXX that they made a mistake in my mailing address therefore I never got my first bill. Hence, my account was reported as being late for non-payment. That same day I paid {$550.00} which paid off the account. XXXX told me that since it was a mistake on their part that they will rectify it with all three ( 3 ) credit bureau. Payment was posted on XX/XX/XXXX. I follow-up again on XXXX and spoke with XXXX and was told that they are still working on it. Then again on XX/XX/XXXX XXXX told me that it could take up to sixty ( 60 ) from my original complaint on XX/XX/XXXX for the correction on reflect on all three ( 3 ) credit reports. As off XX/XX/XXXX, I have not been able to have them remove the late notice from my three ( 3 ) credit reports and it has been affecting my credit score which took a huge hit as result of their careless mistake. I have their bill statement which mentioned that they made a mistake and their late fee was waived from my account ( see attached document ). 
Please feel free to contact me if further information is needed. 
Thank you for your anticipated cooperation in this matter.
Product: Debt collection

On XX/XX/2020 Portfolio Recovery Associates, LLC were sent a validation letter for the alleged amount owed.
Product: Credit reporting or other personal consumer reports

Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing if rom my credit report FCRA.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged 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 an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate accounts and information on my consumer in which I've previously sent them dispute letters to investigate these accounts. They responded that they are verified and accurate but never provided any documentation of proof. The accounts listed in my dispute never belonged to me nor do I have knowledge of who they are asking to collect debt. Ive reached out to the creditor asking them to verify this debt, which they couldnt. How can I owe them a debt if there was no agreement set in place? I understand that it is Transunion 's duty to do whats fair and equitable for the consumer and it isnt fair that they failed to properly investigate these accounts. Anything thats inaccurate or not verifiable must be removed from my consumer report immediately. Included in my complaint is a new dispute letter in which I ask Transunion to thoroughly investigate these accounts and remove anything thats inaccurate or Non verifiable. 

Violations committed by Transnunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo refused to give us back the extra money {$27000.00} we paid while on XXXX XXXX Otherwise, Wells Fargo said that we owed them {$19000.00} plus escrow while in XXXX  XXXX and didnt say anything to the court. Also, Wells Fargo tried to collect from us {$210000.00} that was removed by court order. When we called them to discuss it they kept telling us that they couldnt understand us because of our language accent that is discrimination. We were forced to pay a lawyer to deal with Wells Fargo for us. We paid for our homeowner insurance however Wells Fargo still charged us escrow for homeowner insurance.
Product: Checking or savings account

Wells Fargo account XXXX on XXXX took out {$4000.00} from name XXXX XXXX I do not have any bill due for any company XXXX XXXXXXXX  and it seems this is not legal i do not know anyone XXXX XXXXXXXX name said XXXX XXXX XXXX and thats not my name XXXX XXXX XXXX XXXX This company must be stealing from me.,. 
XX/XX/2020 statement
Product: Checking or savings account

To Whom It May Concern : I am writing to file a complaint against KeyBank for their failure to provide adequate notice regarding why my funds were being held and their failure to assist me in accessing my funds in a timely manner. As a result of their actions, I have experienced significant inconvenience and financial hardship. 

On XX/XX/XXXX at XXXX XXXX, I deposited a settlement check ( XXXX XXXX ) payout from my attorney 's XXXX bank account at the Key Bank branch in XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, Ny . The teller informed me that funds would not be available immediately but possibly 24 to 48 hours. {$100.00} was made available by XX/XX/XXXX at XXXX XXXX., but it was no longer available by midnight on XX/XX/XXXX. 

When I contacted KeyBank customer service, the representative found no notations on the account or listed reasons for the lack of availability. When I went to the KeyBank branch in person, they told me that nothing could be done to make the funds available. I requested to speak to a manager and was given a phone call to speak to XXXX who worked in the XXXX Department. XXXX stated that the funds were on hold due to fraudulent precautions, but no attempts were made to rectify, assist, or expedite in any way the clearance of the check. XXXX did not provide his full name and did not show any concerns for my urgent matter. 

Following the conversation with XXXX, I was emailed a notice from the bank that seemed discriminatory and was not provided despite multiple requests for answers. 

I believe KeyBank failed to provide adequate notice to me regarding why my funds were being held and failed to assist me in accessing my funds in a timely manner. As a result, I have experienced significant inconvenience and financial hardship.
Product: Credit reporting or other personal consumer reports

I had a private student loan payment on XXXX. My loan was originally on deferment. Once the deferment was over I made a payment XX/XX/XXXX however after that payment my loan was then again put on deferment. In XXXX once I tried to make my payment their website/portal informed me I did not owe a payment at that time. After that I checked back in monthly but each time the payment due date was XX/XX/XXXX and it did not give me the option to make a payment. In XX/XX/XXXX They sent me a Passed Due notice informing me a payment was in fact due but this already affected my credit score negatively. Even then when I logged onto the portal it stated I did not in fact have to make a payment until XX/XX/XXXX but I still made a payment for all the months I " missed ''. After that again checked their site was told no payment was due until XX/XX/XXXX and still did not inform me to make any payments. Then again in XXXX i received a Past Due Notice and my credit score took a huge hit. I contacted them and the customer service representative realized it was their fault and apologized that was it their mistake and that the portal was showing incorrect information but they did nothing to resolve this. My credit score dropped XXXX points due to their negligence and my numerous emails have gone unanswered. The only reply I got was that their loan is calculated on a quarterly basis. That does not rectify the issue they made or ease the financial hardship I faced due to their incorrect service. Paying loans is already a stressful process without the lender making you hop through hoops just to make a payment. I have never missed a payment with any of my other credit cards or loans because I check them all on a monthly basis. Due to their systems error I have " missed '' multiple payments and even now their online portal is incorrect. This is a huge injustice and they are taking advantage of student loan repayment services. The company is : University Accounting Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report, which I believe is inaccurate. This dispute is made under the provisions of 15 U.S.C. 1681o, which holds entities liable for negligent failure to comply with the Fair Credit Reporting Act ( FCRA ).

I request that you conduct a thorough investigation into this matter and correct any errors in my credit file. I am entitled to dispute inaccurate information under the FCRA, and you are obligated to resolve these discrepancies in a timely and accurate manner.

Please provide a written confirmation of your investigation and the steps you take to resolve this issue. If you fail to correct the information or provide adequate evidence supporting its accuracy, I may consider this a violation of the FCRA, as outlined under 15 U.S.C. 1681o, and I will pursue further action.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

On XXXX, I tried to access my online banking services with Citibank. I found that the system would not allow me access and merely stated that I should try to access the site later due to : " Technical Difficulties ''. 

I tried again to access my online banking on XXXX in the morning and again in the evening to access online banking and received the same message to try again later due to " Technical Difficulties ''. 

On XXXX, after receiving the same message I called directly to the Citibank customer assistance and tried repeatedly to access the online services with a banking representative, after several repeated failures due to " Technical Difficulties '' - the representative consented to forward my call to a Supervisor. 

I worked for another thirty minutes with the Supervisor every step of the way and she finally admitted that Citibank is indeed experiencing " Technical Difficulties '' with online banking - especially relating to resetting password access. XXXX stated that the problem has existed since XX/XX/XXXX and has not yet been resolved. I called today ( XX/XX/XXXX ) and the banking representative again confirmed that the " Technical Difficulties '' have not yet been resolved. 

At present - there is NO statement on any webpage from Citibank, or disclosure regarding this breakdown in their ability to deliver services. While the Supervisor at Citibank says she recorded my complaint, and added my call to their trouble ticket, I am also deeply concerned by the lack of disclosure to the public and Citibank customers specifically about this extended failure in their services.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to remove any incorrect accounts from my credit report. Can you please review the documents? Some of the accounts listed contain errors in the reported amounts and dates.
Product: Debt collection

They called my number stating my daughter owed {$710.00} on her car loan that I co-signed. My XXXX  called the bank as she made the last month payment and has time yet to make this month 's payment and there is no outstanding debt owed. The callers stated that since my name is on this loan it will negatively impact both her and my credit rating and that we should address this debt today as they will send the credit report at the end of the month. 

The number they called from is XXXX. The first time they called me, the asked for someone with a different last name, although the first name was the same. 

They asked me to call back XXXX to confirm that the debt would be paid today.
Product: Credit card or prepaid card

i went to sams club to make a purchase while checking out there system went down my card was charged and sams club refused to give me what i paid for i refused to leave and called the police bc i seen my card charged then the manager gave me a letter i called sams credit and disputed and sent them the letter and there refusing to take out this charge that i never recieved my goods for
Product: Debt collection

I received messages on my cell phone from the number XXXX. They also left messages at my job and people from my home town. This took place on XX/XX/2020. The message is difficult to understand. I looked up the number and found out it was Midwest Fidelity. I do not know this company and do not have any business with them. I have not authorized them to contact anyone. I want them to stop contacting me, my job, and anyone else concerning me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX  : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX  : Account number : XXXX, Update this account quickly. 

XXXX OF XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected PRONTO : XXXX XXXX XXXX XXXX  XXXX .... Date opened XX/XX/2017 Balance $ XXXX-Late/Open Late Date XXXX
Product: Mortgage

My mortgage was transfer from XXXX to XXXX lake view with the rule of transferring mortgage with as it is without any changes. XXXX  lake view took the third party data and implemented escrow account without prior information.
Product: Mortgage

I am behind on my mortgage so I applied for assistance on XXXX XXXX 2022. On XX/XX/2022 I was approved, and my mortgage company ( Cornerstone HomeLending ) received payments from the XXXX  XXXX XXXX ( State Program ) to bring my mortgage account current. Cornerstone homelending returned the payments to the state on XXXX XXXX 2022. So now my account is in the delinquent status and close to foreclosure. When I called Cornerstone and requested to speak to the manager over the mitigation dept. I was told no one was available, and that they would look into it. I have reasons to believe my mortgage company returned payment so that I can go into foreclosure, and they gain profits by selling my home.
Product: Money transfer, virtual currency, or money service

I was contacted through XXXX a Freelance website for a XXXX XXXX that was posted on that platform by what turned out to be a fake company. I was thus sent a contract with instructions on receiving a check through email to pay for equipment ( Laptop, microphone, headphones etc. ) that the company wanted me to use for this contracted voiceover job. Once I received the check of {$4400.00} on XX/XX/23 through email I was instructed to wire that check to a 3rd party individual that was supposedly going to purchase the equipment and send them to me. I wired the money that same day. However, the next day XX/XX/23 the individual I've been dealing with named XXXX XXXX asked me to do the same thing but this time for insurance on the equipment. He sent through email another {$4400.00} check. Now my suspicions were raised and I reached out to his company which was XXXX and they had never heard of him. I sent them a copy of all my email correspondences with this individual and they said he isn't from their company. After looking more closely at his email address he was using XXXX but the real website is XXXX  At that point I reached out to my bank Wells Fargo and explained the situation and started a claim that was XX/XX/23. As of today XX/XX/23 the {$4400.00} has been taken from my checking account to cover for this fraudulent wire transfer to which Wells Fargo hasn't said they will cover or not. Now I am scrambling to put money into my account to cover my mortgage and other expenses that are coming due while not knowing if Wells Fargo is going to help or not. The wire transfer was to another Wells Fargo bank and I gave them the account number and all the pertinent information in conjunction with the fraudulent transfer. I've filed a police report and reported to the FTC this individual and situation.
Product: Mortgage

Back on XX/XX/2020 I send in additional PRINCIPLE ONLY payment of {$45000.00} which XXXX XXXX XXXX mis-applied to future monthly payments. Only after previewing the payment history I made contact with XXXX which did admit fault and finally did a reversal on the payments and re-applied to the principle payments only. XXXX for some reason canceled my auto-pay monthly payment setup and received a foreclosure letter in the mail that I was two month delinquent which I promptly got current. Meanwhile the supervisor at XXXX promised me that he would talk personally to their credit dept to make contact with the credit bureaus to make sure my credit score was not effected just because of their fault. I checked with credit and I had a high XXXX credit rating and my wife XXXX credit rating which now is low XXXX 's and cant get anyone at XXXX to make the correction. I had been dealing with a XXXX XXXX XXXX XXXX ID No. XXXX ) at XXXX that had made the promise he would hand walk their mistake through, which he has not.