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

I was XXXX in XXXX, XXXX. I had no contact with anyone outside of XXXX  because I am a Senior Citizen and really have no one anymore. Finally a woman in XXXX asked her husband to look up my old friend on XXXX. I contacted him in XXXX of XXXX and told him I needed help with my bank account and other affairs, We contacted Bank of the West by phone and found out my bank account had been hacked. I told the Bank Manager XXXX XXXX to close my account. She said she would. I got out of XXXX  in XXXX, XXXX and immediately contacted Bank of the West to find out the details of what had happened and found out they had hacked over {$10000.00} from my account through Savings. I asked the teller Feely what could be done. She said they would have to research it. Since then I went into the Bank on multiple occasions trying to find out what to do and they have drug their feet and lied to me and told me accounts have been opened in other banks and it was all lies. I contacted their corporate number and someone named XXXX XXXX contacted me in XXXX and said she was working on it and she has done nothing. I don't know what to do. What is my recourse? They told me I had to file paperwork as soon as I knew what happened but i was incarcerated. They could have sent the paperwork to me in prison when I asked her to close the account, it has an address, but they didn't. They sure threw it in my fact when I went in after I was released though. What can I do?
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) acting on behalf of Citibank contacted me between XX/XX/XXXX-XX/XX/XXXXto  settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to XXXX. 

My credit improved. ByXX/XX/XXXX, my credit score was raised from XXXX to XXXX. 

In XX/XX/XXXX this debt from Citibank reappeared in default, and my score suddenly plummeted to XXXX. 

Why is this being reported now? Either Citibank is mistaken or XXXX has violated the FDCPA. 

THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Preferred Lease : # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am XXXX XXXX and submitting this complaint myself and there is no third party involved. 

On XX/XX/2021 Flagship Credit Acceptance violated the cease and desist order sent to them by certified mail on XX/XX/2021. Flagship Credit Acceptance agent " XXXX XXXX '' informed me in a phone conversation ( that I initiated in order to expedite the process ) that they ( Flagship Credit Acceptance ) received the cease and desist demand on XX/XX/2021 and noted the information on the account file for the " alleged debt '' then referred me to a senior account specialist in XXXX, but I was never able to get in contact with them that day or today. Flagship Credit Acceptance mailed a billing statement to my home address after I demanded/ordered the company ( Flagship Credit Acceptance ) to cease all contact with me. Flagship Credit Acceptance has still not validated this " alleged debt '' pursuant to 15USC1692g nor have they ( Flagship Credit Acceptance ) responded to the invoice sent to them for the Title 15 damages itemized in the summary of charges that was sent to them by certified mail on XX/XX/2021. All evidence of my claim is attached and I would like this matter resolved quickly and damages paid to me by check. The " billing statement '' also has the same violations from the first " billing statement '' in question which would double their invoice fee. This action is a willful violation of my rights as a federally protected consumer and they should be held liable both criminally and civilly pursuant to 15USC1611 and 15USC1640. 

I, XXXX XXXX, am a natural person/consumer
Product: Checking or savings account

Informed XXXX to cancel my service account on XX/XX/XXXX. Account was never cancelled and my personal Bank of America account was debited XXXX times in subsequent months. Called XXXX again on XX/XX/XXXX. They agreed to credit my account for 4 charges. They submitted credit to my Bank of America account to credit me {$34.00}. Asked XXXX rep to make sure my Bank of America account was not charged again. XXXX rep insured me it would not. Called Bank of America on XX/XX/XXXX. Bank of America informed me that XXXX had charged my account {$420.00} since XX/XX/XXXX. I asked that these charges be reversed. Bank of America informed me that they would put in a dispute for {$420.00}. I checked the dispute status on XX/XX/XXXX online through Bank of America 's website and found no dispute that was currently active. Upon calling Bank of America 's number I discovered they had no dispute on file. When I questioned their professionalism, they disconnected the call. Unfortunately, my Bank of America account was charged {$8.00} again on XX/XX/XXXX. I can not get the charges to stop from XXXX and Bank of America will not stop them.
Product: Student loan

I am tryin to buy a house and so far it has takes 30 days for the dept of education to transfer it over to Nelnet. Got a letter sayin that it was transferred. I called Nelnet and they said it would take another 30 to 45 days to get a welcome letter and then my account will be setup. I am tryin to be a home owner and purchase a house but they are not expediting anything or tryin to help within my time frame. I am goin to lose the house Im tryin to buy because of there willing not to try to help with my time constraints. I need my account setup and my payment amount, terms, total and any info regarding this to give to my mortgage company to purchase the house, but with Nelnet taking 2 months to do this the house Im tryin to buy is possible because of this and this is all that is holding me up from my mortgage
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00}
Product: Mortgage

We have impounds for taxes and insurance with 5th 3rd bank. They pay our insurance for us as we pay monthly and we have never missed a payment. They are sending letters threatening to force place an insurance policy on our account. They are trying to make us provide proof we have homeowners insurance when they in fact have our policy and pay our policy. I believe they made a change on their end and are having trouble getting what they need from our insurance company so they are putting burden back on us and making me wait on hold for an hour at a time to resolve when we have done nothing to cause the issue. Madness.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA continuously keeps reporting invalid information on my credit report. I've been disputing the inaccuracy of this debt and it's reporting and they continue verifying false information without actually validating the debt. 

This company is acting in bad faith. I've never done business with them or XXXX. Please request that this agency provides proof that this debt actually belongs to me, by adhering to The Fair Credit Reporting Act Sections 609 and 611 and providing the original contract bearing my signature, DOB, or SSN. 

This can't be done because I've never done business with them. 

The account in question is EOS CCA- Account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have review my credit report and I keep seeing burnout inquiries on my credit report that I did not do I reached out to have them removed but I did not get a response this is fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 States I have the right to Privacy 15 US. 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written permission 15 US. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Please have these items removed
Product: Vehicle loan or lease

Asked information regarding the rates. Gave credit score, year of vehicle, make and model, loan amount, loan length, salary and was told 3.44 % was the rate I was QUALIFIED for. When I did the application, the rate I was given was 8.64 % ( almost 3x ). I attempted and contacted my agent and State Farm bank to get to the bottom of it, but was told I would get a call back and received nothing. Once I got a hold of someone they refused assistance and I was told I accepted the application and what it entails. I was completely mislead and would have not applied if I was going to get an APR as high as 8.64 %
Product: Mortgage

On XX/XX/2020 PHL {$1100.00} from my escrow account as a " Short Payment '' when I noticed this and called on XX/XX/2020 their representative ( XXXX ) told me that is was because I was late in XX/XX/2020. By PHL own admission on the attached documents I have never been late with any payments. This is the snowball effect of their record keeping not being corrected when requested. To their credit they did however send me {$4000.00} from my escrow when the house was sold. However if I was never late how can you take {$1100.00} out of my escrow call it a " Short Payment " and not be able to justify why you have taken money out of my escrow account. No one to this date can tell me what this " short payment '' is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out to the Dept Of ED XXXX XXXX XXXX & I don't owe anything with this account both companies can not locate an account for me I want this company to remove their negative reports on my credit profile from all 4 credit reporting bureaus. Also, they have not responded back to me.
Product: Credit card or prepaid card

I overpaid my credit card, so I asked for a refund, they gave me the refund but its showing as a charge to have to pay back.
Product: Credit reporting, credit repair services, or other personal consumer reports

THUNDERBIRD COLLECTIONS Last reported : XX/XX/XXXX {$1000.00} Needs Attention Balance {$1000.00} Highest Balance {$1000.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX. 
Creditor Information THUNDERBIRD COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan for {$1500.00}. I agreed to 4 monthly payments of {$600.00} in order to protect my credit score as I was getting behind. I have paid {$1800.00} so far for the third month. I called them to check the last payment date I was told I would have to pay another 9 months of {$600.00} if I didnt make the pay off amount. I asked 2 weeks ago what the pay off amount would be I was told approximately {$1200.00} mind you Ive already paid {$1800.00}. I called again approximately 1 week ago the payoff amount would now be around {$1800.00}. I couldnt do that so they will take out another {$600.00} on the XXXX plus I would owe another {$800.00} starting the XXXX which would keep going up daily. I called them to complain and they said that I obviously didnt read the agreement. That would be correct I read some but not all. I went back and found a page showing that they charge % XXXX. I was stupid for not reading all the information however I didnt know that anyone could even charge that astronomical amount. I am very upset about this I dont have much money I am on XXXX  for a XXXX  XXXX and that is a low amount of money to receive. I want everyone to know about these people. I found out they are on a reservation. I thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my monthly payments of my XXXX credit card balance have not been showing anymore since my credit report dated XX/XX/XXXX ( complete XXXX payments - attached ). They have desappeared from the today report dated XX/XX/XXXX ( missing XXXX payments - attached ). This transmission and/or publication issue has happened various times along the year XXXX as reported in the XXXX and XXXX complaints XXXX. This used to be fixed but for only a temporary period and the issue has come again after one or to two months time. My XXXX XXXX payments and my good standing with XXXX past due since XXXX disappears which is very prejudicial and is resulting in repetitive adverse letters when asking for other credit card. Experian says I should have more cards to raise my FICO score but they just impedes that same process. Attached are the XXXX report showing the right data and on the opposite the XXXX report with a blank section for my XXXX XXXX. Attached are also the XXXX card statements of XXXX and XXXX which should be reflected in the Experian report.
Product: Credit reporting or other personal consumer reports

I have discovered inaccurate, unauthorized, unverifiable information on my credit report, I have asked Equifax according to my rights from the FCRA to remove this information and they have refused. Further I spoke with a supervisor on XX/XX/23 who advised me to file a complaint with the FTC.GOV and they would remove as soon as I uploaded the report. I uploaded my original complaint, and they immediately sent me a dispute letter stating that inquiries are factual information, and they will remain on my report. They are all liars and give consumers the complete runaround are of no help with helping the consumer maintain a true and correct credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am attaching a letter that explains why I am disputing the changes on my credit report. after reviewing my credit I am asking all the credit bureau reinvestigate the information on my report any misspelled or wrong information.NAME : XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX ga XXXX DateXXXX I just looked at my credit report because i have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct andeverything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : XXXX XXXX account numberXXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account nameXXXX XXXX finacial account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : XXXX XXXX XXXX XXXX  XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : XXXX XXXX XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : account number : investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report.
Product: Checking or savings account

Chase closed my bank account that was in good standing, I ran a credit report, and all came back clear. I have a FICO score of 815-820. Chase refuses to tell me why they closed me down. All they write is that I am guilty by association (?? ). I suspect discrimination.
Product: Mortgage

Freedom Mortgage continues to send me threatening letters regarding my flood insurance despite the fact that they have recognized in writing that my flood insurance meets the requirements of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of XXXX 's inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. 

Inquiries I did not authorize : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. 
XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Exeter XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Checking or savings account

I have had an online savings account with Affirm for almost a year now. I opened the account with Affirm being that they were paying a high interest rate. I have never made any withdrawals from the account just deposits, usually to round up the amount. 
Just recently Affirm raised their rate of interest that they were paying on their savings account so I transferred {$200000.00} from another XXXX of my online savings accounts. I have been doing this same thing for years now and never, ever encountered any problems with any of my accounts being frozen. 
When I called Affirm a few weeks ago in regards to why my account was frozen they informed me they were investigating. I told them I felt like I was being treated as a criminal for no wrong doing and that if they wanted to monitor my account for suspicious activity that was fine but to freeze my account because I had transferred a large deposit was unacceptable. I told them that most banks treated me as an elite customer for the amount of money I had on deposit with them but with Affirm I am being treated as a criminal, like my money was obtained illegally. I feel they have no right to be holding my money, I have done nothing wrong and I am certainly not a criminal. It is my business how I earn my money and not theirs. I could understand if their was a lot of transactions taking place either withdralals or a lot of large deposits. But the only reason I had a large transfer was because they were offering a higher rate than most other online savings accounts. 
I have spoken to numerous respresentatives over the past two weeks and have demanded they release my money but to no avail, all they keep telling me is the same thing, " they are investigating and it could take 3-5 days ''. I even have spoken with two Supervisors and when I ask to speak to that particular department that is handling the investigation they tell me they do not talk directly to customers. I had a representative today tell me that basically everytime I call in I am putting my case back into 'cue ' meaning that the process starts all over again. 
I am so very upset over all of this and can not believe that they can continue to hold my money, money that I have worked hard and earned legally. I feel that they are not a reputable online savings bank and should not be able to continue offering their banking services online.
Product: Credit reporting or other personal consumer reports

I am applying for a Mortgage loan and the credit agency is unable to run a credit inquiry in Experian credit bureau alone. The credit inquiry went fine in other 2 credit bureaus ( XXXX and XXXX ), except in Experian. 
I have been calling Experian every day since XXXX XX/XX/2023 and every time I hear a different reason for the questions I ask ( i.e., why credit agency is unable to run my credit report/inquiry in Experian alone ), they mention that, there is MLA ( Military Lending Act ) Notice enabled in my credit report due to which the inquiry could be blocking and it needs to be removed. I also confirmed that I am not part of Military and was never into Military. 
Call gets transferred to the dispute department and they raise a request ( physical form filled and submitted ) to remove the MLA notice from my credit file, which should take not more than 5 business days as mentioned by the Experian dispute department. 
Ever since I have been following up, but every time I call they raise a new request to get it removed and it never gets removed. 
At this point, I am not even sure if that is the root cause blocking the credit inquiry or even after this MLA notice gets removed am I still going to face the same problem. Until the Experian credit inquiry is successful, my loan process is halted and at some point i might even loose the Home buying due to this issue. Any help in finding the actual issue, as to why the credit inquiry is not going through, would be of great help!
Product: Mortgage

On XX/XX/XXXX I called Mr. Cooper and spoke to a representative in the collection/loss mitigation department and made payment arrangements to pay my past due. He told me to pay 2 pays and rest would be divided into 4 payments, I asked him how I should pay, he said to wait until I get a letter of confirmation of the arrangement and go online and make payment, he said wait around 10 days. So I waited, and didn't receive anything in the mail, so I tried to make a payment online but it would not take it. I called on XX/XX/XXXX, Mr. Cooper office was closed, then I called on XXXX and was told I didn't have a payment plan and that my house is in foreclosure, the plan was not approved and it was denied, I asked to speak with a supervisor, so someone by the name of XXXX XXXX at the Loss Mitigation department manager called me, I explained the situation, also advise him I didn't get a call nor a letter stating that my payment plan was not approved, he agreed with what I said and said he will review the file and get back to me and even maybe he can put the plan back on the system and let me do it that way. He gave me his number and said he will call me back in 24 hours. Well a day passed and I didn't get a call and I called him and left detailed message, still didn't get call back, called again the next day, I left 3 message so far and no one has returned my call nor I have received anything in writing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued presence of a settled account from XXXX XXXX XXXX on my credit report. In XX/XX/year>, I reached a settlement agreement with XXXX XXXX regarding the auto loan account ( # XXXX ), under the understanding that the account would be removed from my credit report upon settlement. However, the account remains on my credit report as " Paid in settlement '' with associated negative payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX XXXX