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

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute BMW FINANCIAL SERVICES/CREDITUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Product: Credit card

I am refiling a claim due to lack of response to my dispute to the credit card company 's response and lack of response on XXXX XXXX, XXXX. I received acknowledgement from Consumer Financial Protection that my response was received. However, I never received any acknowledgement from the credit card company, and it has been nearly one month since I submitted my dispute. I was paying {$8.00} a month for credit protection, i.e. XXXX, through the credit card company. XXXX NEVER notified me of suspicious or unusual activity on my credit card. 

Regarding me disputing the charge that posted on XXXX XXXX, XXXX, and denying the XXXX fraudulent charges, I had called in and found the charge for XXXX charge pending. This is evident by me receiving conditional credit for the disputed item on XXXX XXXX, XXXX, and the actual charge not posting until XXXX XXXX, XXXX. When I learned that it was an XXXX web site, I had reported the charge as fraud. Being XXXX I have no use for a site such as this and was extremely embarrassed to even have to speak to a representative regarding this charge. I had no knowledge that the XXXX charges took place a few days later. 

The remaining charges that month are truly fraudulent and I respectively ask that you do one or both of the following : 1. Request the credit card slip that shows the signature of the purchaser because my credit card said " Check ID '' on the signature line. I am physically unable to sign my name XXXX. 
2. For the cash advance charges request the video and see who was using the ATM because I did n't know the pin number since I do not use cash advance. 

Furthermore, I was preparing for my divorce trial in district court at which I had to appear and testify from XXXX XXXX until XXXX XXXX on XXXX XXXX, XXXX. 

Lastly, as for the balance being paid in full, I was attempting to keep my account in good standing and was going through many personal and medical issues at the time and did not keep close watch on my personal business. It 's only because of finding an off-the-wall fraudulent charge 1 1/2 years ago that even prompted me to examine ALL my credit card accounts, past and present. 

Thank you for your attention to the matter.
Product: Checking or savings account

Summary : A TD bank systems error occurred when opening accounts online, but both accounts were created without my knowledge. I have no way to get the account information to continue and was suggested to go to a bank branch. 

On XX/XX/XXXX, I applied online for a TD Complete Checking Account and a TD Signature Savings Account to take advantage of their {$500.00} combined promotion. 

There was a systems error on TDs side ( see screenshot attached, which said my account could not be opened. ) I wasnt able to apply again since TD assumes I am already a TD customer and have the account information necessary to obtain my login credentials. I did not receive an email and I do not have any of the account information. 

I sent an email to XXXX but it appears that is the XXXX entity and they could not help or provide an email for the XXXX entity. 

On XX/XX/XXXX, I called TD and they confirmed both accounts were opened that the next step is to retrieve my login credentials. Retrieving them is impossible to do since I have none of my account information necessary. This was relayed and I was told my only option was to try at a bank branch in person.
Product: Debt collection

I contacted Radius Collection Services on three occasions to work out a settlement they refused to take my money. In addtion, the previous person was not willing to assist me. I have contacted XXXX on the multiple occasions to work out the balance of $ XXXX {$620.00} NEGATIVE
Product: Debt collection

On XX/XX/XXXX I had previously disputed via CFBP portal that XXXX XXXX XXXX added a collection to my credit reports a collection that had been previously discharged in a chapter XXXX bankruptcy. They removed the trade line in XX/XX/XXXX. On XX/XX/XXXX I received a collection mailer from XXXX XXXX XXXX to settle to amount that again was previously discharged in my chapter XXXX bankruptcy. I also saw on my credit report that have viewed my credit reports without my consent nor my knowledge. I need for the to stop harrassing me and to stay off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this credit reporting agency request for change in my personal information along with disputes and verification request About in for incorrect information that is posted to my credit with file. I've sent them multiple disputes about inquiries and charged off accounts. On a few occasions they have updated information but giving me no proof or verification as to how They gained that information and who they gained it from. 

They have shared my report without my consent and at least one case they have placed a security freeze on my account without my consent. 

On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent certified affidavits disputing information on my credit report and requested Verification and information on who and how the verification was done. All Requests were signed and dated in front of a Notary Public. 

Almost every time i sent letters it took over 30 days for a response. 
I also sent multiple requests over the past one year and 6 months requesting this information be corrected and verified that was not sent first class mail. 

They Have Allowed XXXX  XXXX, XXXX XXXX XXXX, And XXXX XXXX to Post incorrect And unverified information on my credit report for over 5 years.
Product: Debt collection

I paid this bill to XXXX XXXX XXXX and this company, Credence Resource Management, LLC, keeps calling me about it after I informed them that it has been paid. I also tell them not to call me any more, yet, they call XXXX - XXXX times a day. They have also slandered my credit with a false collection listing.
Product: Mortgage

In XX/XX/2022 I entered into a FHA loan modification agreement with my mortgage company, New American Funding, due to impact from the pandemic, and in accordance with the C.A.R.E.S Act. I signed and notarized the loan modification documents and submitted them to New American Funding within the prescribed time. However, after several inquiries and weeks had passed, in XX/XX/2022 I learned that New American Funding had made mistakes in those documents which required me to resubmit and notarize another set of paperwork. Although since XX/XX/2022 I have complied with the modification payments my account with New American Funding has been restricted and shows a delinquent status. On XX/XX/2022 I received a letter from New American Funding stating that my account was restored to normal status and then only a few days later my account was back to a restricted and delinquent status. I received my XXXX mortgage statement which shows 3 months of mortgage payments in arrears. This issue is very distressing and confusing. The processing of this FHA loan modification has been terribly mishandled. I have received misleading information from New American Funding XXXX XXXX department regarding the status of my account. I am seeking relief in the form of my account being updated with the past amounts static under the terms of the loan modification and in accordance with the C.A.R.E.S Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted company to state I did not owe this debt on XX/XX/XXXX I requested copies of any written agreement with my original handwritten signature and date. Company has failed and refused to provide me with an ORIGINAL CONCTRACT WITH AN ORIGINAL HANDWRITTEN SIGNATURE. 

On XX/XX/XXXX I contacted XXXX  to request they remove this unverified account, have not received a response as of yet.
Product: Checking or savings account

I have money in my account which I can't access. I wanted to make a wire transfer out but it got cancelled by the fraud department. When i call and request for the balance I'm still authenticated properly and I can listen to my account through the phone just like my balance and the rest. But when I check online. It says account blocked. I need to be able to make transfers out of my account. I called the bank and i was told a reference number would be delivered to my address so I can be verified and have my account back active. But its been two weeks now and I've not seen any letter. I guess no letter was sent. This is the same address I use in receiving updates from the bank like my card and the rest. But now i can't have access my money in my account. I need this fixed as soon as possible. I have about XXXX in my checking 's account but i can't do anything with it because my account is blocked and i need to verify. I've been waiting for a letter for two weeks and I'm yet to receive anything
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX account was reported on my credit report on XX/XX/2021. I never opened an account with XXXX. When i contacted XXXX  in regards to the open account, they were unable to verify an account with my name located. I then contacted Transunion, and was told that theyd send a email to XXXX  for verification. After weeks have gone by, XXXX  is still unable to find that account that is reported to my transunion account and transunion has still failed to delete the inquiry, causing a major effect to my report.
Product: Student loan

I have XXXX issues regarding my loan servicer, which markets itself as MyFedLoan : First, I have contacted MyFedLoan three times ( once by email on XX/XX/XXXX, once by email again on XX/XX/XXXX, and once by phone on XX/XX/XXXX ) and have found them consistently unresponsive. On XX/XX/XXXX, a {$50.00} payment was processed and divided between my PLUS loan distributed on XX/XX/XXXX, and my Stafford loan distributed on XX/XX/XXXX. However, I indicated, when I made the payment, that I wanted the entire {$50.00} payment applied to my PLUS loan. It is unacceptable that MyFedLoan first ignored my emails concerning this discrepancy and then assured me over the phone that the payment would be fixed while failing to do so. 

Second, I mailed a {$100.00} return of principal payment XX/XX/XXXX, and I have the canceled check indicating that it was cashed by the Dept. of Education on XX/XX/XXXX. However, this {$100.00} payment is not reflected on my PLUS loan distributed on XX/XX/XXXX, as it should. This should be dealt with immediately, as it is unacceptable that my payment would be cashed and withdrawn from my account but not credited against my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account that is being reported and in collections with XXXX XXXX XXXX. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with XXXX, in addition to disputing it with Equifax, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company is with Specialized Loan Services during that time they issued me a home insurance that was automatically applied to my mortgage statement, even though we had our own insurance and continued to show proof over a three month span that we had an active home insurance and they did not need to purchase insurance for us. We continued to pay our mortgage statement but only the loan amount not the amount of the homeowners insurance they forced us to get even though we didn't need it. It showed that we were not paying the correct amount and they reported us delinquent ; now this stopped us from receiving a credit card because our credit report appeared that we were late even though we were not. I have tried to resolve this issue with the company to no avail they said they would fix it and it still has not happened.
Product: Mortgage

XXXX XXXX put XXXX a foot of water in my home, and Wells Fargo gave me wrong information. previously reported to XXXX. 

Just adding this to give documents supporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the XXXX  Credit Reporting Act, XXXX XXXX sections XXXX 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 statutes. Please update the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : {$2600.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX  and CMG Financial dba CMG Mortgage forced a sale on my estate family home. XXXX XXXX  received my mortgage application and it was deposited into the bank. The mortgage note/promissory note is what is the security that is really being used and Statewide Mortgage did not disclose this nor did they state the estate was NOT required to pledge the family home as repayment when the Federal Reserve says National Banks are barred from doing this very thing. 

CMG Financial was transferred the note months later and they took possession of the note that was tied to the contract between the estate and XXXX XXXX. The note pays out interest monthly due to it being pooled with other notes and sold. This note has been sold over 200 times and made millions while XXXX XXXX  and CMG Financial have made monetary gain from my estate financial asset they have not compensated me nor did they apply the equitable interest from escrow that would have settled any alleged debt.
Product: Debt collection

It is unacceptable that BoA sent this XXXX XXXX person a letter containing my personal business when I do not know this person, the first time I have even seen this letter was in BoA 's last response, and I have never given BoA any permission to send anything to anyone but myself. You contacted a third party without my permission and this is the final straw. I also want to add that BoA has said nothing of the XXXX XXXX case regarding filing a XXXX and expecting someone to pay them back after forcing them to file this as income overruling what the IRS says, and I would also like to point out that BoA will not release the recordings because they prove my point. Also, if there was no other account with my name on it then tell me why I have a statement from this account, and I also like how you only added statements up until I was married, again skating around the issue that I am right. My lawyer for the XXXX case was XXXX XXXX of the XXXX XXXX and not the XXXX guy.
Product: Debt collection

For the past several weeks XXXX XXXX with the NAS Group has repeatedly called not only myself but my entire family in regards to " file number XXXX ''. When they initially reached out to me in XXXX I returned the call on XXXX XXXX but was not passed on to XXXX XXXX. The representative I spoke with ( XXXX XXXX ) was pushy and rude and I told him not to call me or my family anymore. The phone calls ceased briefly, but have since resumed as of XXXX XXXX. After the treatment their employee subjected me to, and this repetitive harassment of not only myself but my parents and my siblings, and even their wives, I am resolute to my previous statements that they can email me directly but they must stop harassing me and my family.
Product: Checking or savings account

I deposited a {$26000.00} Check from a lady whose XXXX i nstalled paid out TO my business it too k Bank of America XXXX business days TO clear the funds for withdrawal once it WAS clear i usted 7,000 dollars everytjing WAS fine then they calles me and blocled me out they too k XXXX from bank OF America the Check never bounced and my money was stolen
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For the past two weeks, I get daily phone calls for someone else. I have repeatedly asked them to remove my number as I am not the person. They have told my for the last five days they are going to ; yet I still get numerous calls daily. HELP ... .handicap family here and the repeated interruptions as very unnerving
Product: Credit card or prepaid card

I purchased 2 tickets for XXXX XXXX back in XX/XX/2023 for {$320.00}. The show was in XX/XX/2023 and I never received the tickets. I contacted XXXX several times via chat asking for my tickets they told me that they were going to be mailed but they never was. Then I asked XXXX to let me get a refund, transfer, or sell the tickets but they wouldn't let me because they said they were being mailed. 7 days prior to the show they still were not mailed, I couldn't get a refund, transfer them, or sell them, so I reached out to XXXX again. A few days before the show they were available to mobile download and thats it. I couldn't use the tickets and so no one use the tickets. I disputed all of this with the bank, sent numerous chat messages between me and XXXX showing they wouldn't help me with the tickets. Eventually my bank credited me the money back {$320.00} after about a month after the dispute and I thought I got my money back. Recently, I noticed a withdraw on my account for the tickets again and so I called the bank and they told me that they were just balancing out my credit card account because I got a new card with updated expiration date and that I hadn't actually got charged again. Today, I got a letter in fact telling me they charged me again for {$320.00} saying XXXX didn't do anything wrong. It seems every time I have a dispute with my transactions my bank doesn't protect my purchases.
Product: Mortgage

I was making regular payments. In XXXX XXXX I was XXXX in the Michigan XXXX. The finance company knew this but continued to harass my parents. 
I was released XXXX XXXX, XXXX. I got my Social Security XXXX reinstated and started making payments XXXX XXXX, XXXX. I have been making, and plan on continuing to make regular payments until it is paid off. 
I have been regularly checking my credit score and have noticed that the balance is still at {$19000.00}. I called Ditech to inquire as to why my payments are not being reported. I was told that they do n't report payments until the outstanding balance is paid in full. At {$300.00} a month, that will take about 6 years. It will state on my credit report that I still owe {$19000.00}. 
If I am making regular payments, then they should be reported to the credit bureaus. They are quick to report if you DO N'T make a payment.
Product: Credit card

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under15 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 Capital One
Product: Credit reporting or other personal consumer reports

I purchased furniture from XXXX in XXXX with XXXX card. I was told card will not receive a charge until furniture was delivered. I called twice to set up automated payments, but was told I could not pay until sofa was deliver. I am XXXX going through XXXX XXXX, and told XXXX I would not remember to pay due to my condition. Still I was not allowed to set up automated payments. When discovered late from credit bureau alert. Called XXXX to as to billing statements. But XXXX stated account was closed due to inactivity in XXXX. XXXX also was updated to new address. Apparently, payments were sent to old address. I never received. XXXX took away late fees and stated credit report would get corrected. But, XXXX  crediit report remains the same. I need XXXX  to correct my credit report. Debt was paid as soon as I was notified. Correct when account was actually closed for inactivity in XXXX and remove lates for failure to sent statements to correct address.
Product: Debt collection

LVNV is reporting to XXXX that I owe a debt that was included in Bankruptcy. I do not owe this debt. This debt have also been charged off. I believe this debt is much older than it is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an identity theft victim dating back to XXXX when I filed my first police report. It was due to Equifax due to a credit breech. In XXXX my credit was fixed and was XXXX. It is now XXXX and I have sent numerous letters, police reports etc to all 3 credit bureaus and my credit went from XXXX to XXXX. Instead of removing the fraudulent debt it is getting charged off. My consumer rights have been ignored. Charging off fraudulent debt to destroy my credit over and over again is not right. Fix my credit