23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX/XXXX/16, I received a phone call on my personal cell from XXXX XXXX with National Processing in regards to a checking a credit reference for a gentleman named XXXX XXXX I did n't know personally. I indicated that I was not sure who she was talking about and I was not vouching for someone I did n't know or had given permission to use me as a reference. I indicated to XXXX XXXX that me being listed as his reference could be a mistake because my son, who shares the same first and last name with me, did have a friend who I vaguely remember under a similar name but I was n't sure. How he got my cell number is unknown to me. But she acted as if I was blowing her off and told me in a nasty voice that I should n't let people list me as a reference then! I asked her not to call me again regarding this again and hung up. Today on XX/XX/2016 at XXXX, XXXX XXXX calls me back on my cell and leaves a message for me to return her call by XXXX today regarding a check case with XXXX XXXX XXXX or the case would be turned over to the XXXX County DA and I would be deposed for a deposition regarding his case. So I immediately called back and opened the conversation by stating my name and I was returning her call and gave her the case number upon request which she left on the message. She then asked if this was me and I indicated that I just told you my name at the top of the conversation so why are you asking again? She responded angrily that I was getting smart with her and did not have to deal with me. I called back and she hung up on me. I called back and another lady answered and I asked her to nicely tell XXXX XXXX that I am not associated with XXXX XXXX and to please not call me and that I would be filing a complaint. She said she would. My complaint is that the company 's tactics are unethical and unruly to contact me and falsely make me think that they were initially checking a credit reference and yet they are really a collection agency. I have clearly asked this company to stop calling and harassing me over this man 's account and yet they still persist in doing so. I want this harassing action to cease and take whatever action against this company that the law allows. Thank you!
Product: Debt collection

I am receiving 10 to 15 calls a day from Conns XXXX XXXX calling from XXXX ( XXXX ) XXXX They call every single hour while I am trying to work. Even if it goes to voicemail they call again and again. Phone calls are documented and conversations are recorded. 

Customer service representatives refuse to answer questions about their limitations regarding the number of calls their agents or the automated system is allowed to place. They claim and threaten to call as many times in a day/week as they want until you answer and tell them when you will pay. 

According to the FDCPA, a debt collector can not call a debtor more than once per day for each debt. This means that if you only have one outstanding debt, then your debt collector is only allowed to call you one time per day.
Product: Credit reporting or other personal consumer reports

Ive reached out to this company XXXX that furnish my private information to Transunion credit agency its illegal and a violation of my rights under the fcra I did not authorize for that company to share my private information to the Transunion I spoke to a representative at Transunion and they said they got the info from XXXX
Product: Vehicle loan or lease

I am in the XXXX business & have been unemployed since the pandemic shut everything down. I have HAD to sell my car. It was financed by XXXX XXXX XXXX XXXX who gave us a XXXX payoff letter ( see attached ). Based on that, the buyer 's credit union sent XXXX XXXX XXXX XXXX a check for {$21000.00} which was more than enough to payoff loan ( see payoff screen ). XXXX XXXX received the check XXXX, last XXXX morning ( see proof of delivery ). On Friday a XXXX XXXX representative confirmed they had received the certified check. But had not reason/excuse for why it had NOT been applied & my loan paid off & so title released. She said I would have to call the " Payoff Dept '' on Monday. 
This has dragged on so long that I have had to make XXXX payments to cover the interest XXXX XXXX KEEPS charging me so the payoff amount is less than {$21000.00}. What a XXXX XXXX XXXX XXXX they are XXXX Plus now, the buyer has been paying interest on his loan at the credit union!! 
This is outrageous treatment of a customer who has made EVERY payment on time & even paid ahead to help my credit & save some interest ... despite being unemployed for over a year (! ).
Product: Credit reporting or other personal consumer reports

I was alarmed to find unauthorized inquiries on my credit report this morning, and I cant figure out why. I reviewed my report as I normally do, but this time, there were unexplained discrepancies. I even refreshed the browser, hoping it was just a glitch, but the inquiries remained. I need you to thoroughly review the documents I sent and resolve this issue immediately so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX was looking at my credit report and saw that I had some inquiries that wasn't mines. I didn't give these companies permission to run my credit. I am a victim of identity theft please delete these accounts. XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX Card inquire date of XXXX, XXXX Card inquire day of XXXX.
Product: Mortgage

Id like to bring to your attention a case where I have been charged excess PMI ( Private Mortgage Insurance ) on my Home Mortgage, even though my loan to value ratio fell below the required limits a while ago. 

I have sent several emails & made phone calls, but have been stonewalled into automated responses and noncommittal responses. 

Here are the details of my Home Mortgage Provider : My loan provider name : The Money Source Inc. | My loan provider address : XXXX XXXX XXXX, XXXX, NY XXXX My loan provider contact number : XXXX My loan provider NMLS number : XXXX XXXX My loan provider servicing location address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CT, XXXX My loan provider servicing location NMLS number : # XXXX My loan provider servicing location address : XXXX XXXX XXXX, XXXX XXXX AZ XXXX My loan provider servicing location NMLS number : NMLS # XXXX Here are the details of my Home Mortgage : Loan number : Loan type : Conventional w/PMI - XXXX Closing date : XX/XX/XXXX Maturity date : XXXX, XXXX, XXXX Original appraised value : {$430000.00} Original loan value : {$380000.00} Current principle balance as on XX/XX/XXXX : {$280000.00} Late Payments : none throughout the term of the loan
Product: Credit card or prepaid card

on XXXX I recieved an inquiry on my credit report for an account that I never inquired for - my social security number has been frozen since XX/XX/2022, yet somehow an inquiry for credit using my social security number was made.
Product: Credit card or prepaid card

I called to cancel my Citi Premier card because the annual fee was coming up. Their retention department convinced me to keep the account open, but convert it to the Citi Double cash card. They assured me there was no annual fee on the new card, and that I would not be charged the annual fee for the Premier card, since it would be closed. I agreed and received my new card shortly there after.
However, I noticed that the annual fee from it previously being a Premier card was posted and rolled over to my new Double cash card account - {$95.00}.
I called to inquire why that fee was on there and was told it will be 'systematically credited in a few months ' So now I have a {$95.00} fee that I have to pay, even though I have not used the new card. This fee was the exact reason I called to cancel, and was told I would not be charged it since the account is closed. Asking me to pay it, and getting it credited back later, is not a reasonable request.
Product: Checking or savings account

On XX/XX/XXXX I responded to a promotion to open an account at citi bank.It said If you open and fund an account and keep it open about 2 or 3 month you will receive a bonus based on the amount. It said you could withdraw some of your money but then your bonus would be smaller or XXXX based on your deposit amount. 
I opened and funded the account with $ XXXX which I transferred from my account at XXXX. 
Then I needed some of the money, so I transferred $ XXXX back to my XXXX account. 
I then received and Email from citi that I have violated the bank rules and so my account will be closed. It did not say what was the violation. it said the closing of account can take up to 2 month! and if I need the money sooner I should call their XXXX number or go to a branch. I decided to send the remaining $ XXXX to my broker account at XXXX XXXX which I did and money was send to XXXX. I was glad I was done with citi, such a bad experience. 
But the next day money was gone from my broker account. I called them they said citi has recalled the XXXX. I said its my money I did not ask for or approve this transfer. They said citi told them I have done some sort of fraud and they have to have the money back. based on that XXXX also disalowed my trading! 
I called the citi XXXX number, they could not tell me why they have a right to hold my money. I also went to their branch in XXXX XXXX, again they just gave me wrong and useless direction. and finally I was told nothing I can do. the bank will send you the money when they want, could be 2 month! 
The have ruined my reputation with my broker. They have held on to my money for no reason illegaly. I have been treated like a criminal whiteout any explanation. Obviously the bank has made a mistake. I need my money immediately.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue with my credit report. It appears that an account belonging to someone else has been mixed with my credit information. This is not my account, and it is negatively affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In accordance with the Fair Credit report Act XXXX account XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2. It is also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have submitted my unemployment documents from the State of Texas three times to Navient and they refuse to apply my Forbearance for loss of income. I have filled out the form, submitted documents such as separation letter from employer, approval of benefits from XXXX and payment information from XXXX. This is for a Federal Student Loan.
Product: Credit reporting or other personal consumer reports

I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been using unscrupulous practices by deleted my public record and then restoring that same information back on my credit report.
Product: Credit card

I HAVE A BEST BUY CREDIT CARD ISSUED THRU CITIBANK AND I AM GETTING CHARGED MONTHLY FEES FOR A Credit Life Insurance Fee, which I do n't want. I tried calling and never get an answer. I went to store and they said it would be taken off after speaking to someone on the phone, but my account is still being charged monthly for it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : XXXX I have disputed this multiple time an provided proof this is not my account an also these Credit Inquiries XXXX XXXX , XXXX, XXXX XXXX XXXX I never applied or inquired about these accounts
Product: Debt collection

Account number XXXX The company is sending incorrect information pertaining the alleged financial agreement. They sent me the financial agreement with another provider that works independently from the provider they are alleging I have debt from. This is dating from XX/XX/2014. I am appalled that they would send false information in place of the information I requested. It is clear and evident no document with my signature exists with regarding this alleged debt. This needs to be removed off my credit report immediately prior to escalating all violations made from this company.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1300.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$660.00}
Product: Checking or savings account

I am retired and am XXXX years old and do not receive Social Security I established an IRA account with State Farm Bank ( account # XXXX  ) three years ago XX/XX/XXXX The account was a 3 year CD yielding 1.7 % annually Before maturity XX/XX/XXXX I called State Farm Bank to notify that I was not renewing the CD No recommendations were given to me at that time in early XX/XX/XXXX When Protective Annuity requested a rollover Directly thru State Farm Bank authorized by myself the account balance was {$140000.00} on XX/XX/XXXX at rollover to Protective Insurance Then State Farm only transferred {$140000.00} they claimed that the " CD renewed for a few days " and that {$3600.00} in penalties had been taken from my retirement Account I though there was an error After speaking with State Farm Bank these appear to be predatory penalties since most Banks charge 90 days interest if you break a 3 year CD which I have never done
Product: Debt collection

XXXX Upon reviewing my updated consumer report I noticed that my Hippa law has been violated by Wakefield and Associates account # XXXX. 

Wakefield and Associates Is a third party collection agency. Who is trying to attempt to collect for XXXX - XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is a complaint against Bank of America. I recently opened an account with bank of america in branch for a small business account for a bonus of {$500.00}. 

The terms were as follows make deposits of {$5000.00} within the first 60 days and make XXXX in purchases on a new BofA credit card ( thus I should recieve XXXX ). I did both and I waited and waited. I made sure to go back into branch and was assured that I had met the terms of the bonus. I even called the bank directly, again I was told the bonus would post and no action was needed on my part. Multiple reps assured me that I had met the terms of the bonus. No bonus was forthcoming. I called today and was told that now after the fact I did not meet the terms of the bonusno clear explanation as to why the direct deposit I completed didnt count. When confronted on what others had told me the individual on the phone simply stated, I dont know what to tell you. '' An investigation was opened. ( I am not hopeful ). This is an extremely shady way to operate. Bank of America should pay out the bonus offer as specified. 

I will file a complaint with the AG office in my state of MA and send this complaint over to Senator XXXX office. This is outright deceitful to 1. tell me I met the terms ( when I didnt ), and then deny the bonus ex-post facto the bonus date had passed.
Product: Debt collection

XXXX XXXX calls me up to 10 times a day. I have missed one payment and they harass me constantly and leave me voicemails and call me over and over again within 15 minutes of each call morning and night and they leave numerous voicemails despite me telling them I am a student and have no job at the moment and will pay the bill as soon as I can. They wake me up in the mornings from my sleep and when I am trying to go to bed at night. They are causing me great stress and the continuous harassment is not making anything better. Their calls interrupt my studying and Im trying to get my XXXX XXXX XXXX so I can start making money. Continuous calls and voicemails every single hour at every hour of the day is not accomplishing anything. If I answered the phone each time they called I would just be on the phone the entire day. Wouldnt be able to apply for jobs wouldnt be able to study or eat. I would just be the phone all day. Their continuous calls is not putting money into my account to pay the {$40.00} minimum I owe every month. This seems very excessive and it is causing me mental duress.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I 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. 
believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I have been unable to get my credit report or dispute results from Equifax since XX/XX/XXXX. Uploaded documentation shows number of attempts to retrieve my report. I even had to start paying a subscription because I used up all of my free reports trying to see my report. I informed equifax through letters and phone calls I feared identity theft due to a divorce. I am a single mother of XXXX children in college and I am in college as well. I can't get student loans approved due to equifax. Lenders can not see my credit report. Even Equifax customer care states they can not see my credit report. I've tried to retrieve it through My equifax, credit karma, smart credit, XXXX website, and credit sesame. I have contacted Equifax customer care 4 times and each time they say they are escalating the case to IT and I will receive an email. I have never received an email from them out of the XXXX complaints that have been filed. I'm uploading documentation which shows where the disputes were filed and they say complete. But I can't see the results, and it never fixes the problem. The dates I contacted Equifax customer care are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am fixing to have to drop out of school because of this. They refuse to help me.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX years. 

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

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still those inaccurate item is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
EMPLOYER : XXXX XXXX  Date Updated : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agent can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.