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

I told XXXX XXXX from XXXX XXXX XXXXXXXX  that I was not unlocking my credit report because I have an open identity theft situation going on and to do not process the application if she can not give me a loan from the bank statements from my business and the screenshot of my Credit score from XXXX XXXXXXXX XXXX I rescinded my signature on all documents. She still processed the application without my consent or knowledge. I did not know she processed the application until I received a letter from XXXX XXXX saying I was denied due to my personal credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft the following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXK XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Good evening I'm contacting your company in reference to my account balance, I had this issue with with your company before and I providing this email to your complaint department along with CFPB, and I will be providing my statement from your company to CFPB My balance is not decreasing in the total at all, I decided to take screen shot and it is impossible for the balance continue to be the same when I make my payment on-time and some months I pay weeks before due date, so I'm ask CFPB to please look into this matter immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the total balance of my Credit Card, like every month, on XX/XX/XXXX late at night ( {$1900.00} + {$30.00} from my Bonus Cashback Redemption Program ). My payday is the XXXX of every month. The Company ( XXXX ) withdrew from my checking account the amount paid on Monday, XX/XX/XXXX early in the morning. The afternoon of that day and today, in the morning, I received notifications and alerts from them that my Balance was {$0.00}. However, this afternoon I received an alert from my Credit Monitoring Agency that my credit score had dropped precipitously ( XXXX in XXXX & XXXX in Equifax ) I immediately made the dispute and also called XXXX, they ( both ) promise to resolve it but they do not ensure that my credit score will return to the point it was at, that is, they do not ensure that they will restore the same number of points that they unfairly took away.
Product: Mortgage

On XX/XX/XXXX Shellpoint Mortgage Services LLC ( New Rez ) Received and cashed my mortgage payment check # XXXX for {$1500.00}. My bank provided to me front and back copies of the cancelled check. On my end everything was paid on time as per our mortgage agreement. 

Shellpoint Mortgage Services LLC ( New Rez ) did not apply my payment to my loan account. 

On XX/XX/2020 I received my mortgage bill in the mail, it did not show the XXXX payment, so I immediately called Shellpoint and confirmed with my bank that the check I had written had cleared - the check was presented to my bank un-altered and cleared my bank without any incident. Shellpoint told me that I would need to provide to them proof of my payment to include front and back copies of my check and bank statement showing the check had been paid and cleared to a " XXXX ''. I immediately provided this information in complete form. 

On Monday, XX/XX/2020 we received notices from New Rez that we were in default. My husband who is also on the Mortgage called them to see where we were in resolving their error on our account. We were both on this call, and we were told that they had received the information requested and if we could please be patient and just ignore the system notices we were receiving. We were asked to pay the XXXX payment over the phone and included a {$15.00} fee that they were not allowed to wave. We set up automatic payments for the next 6 months even though we had always paid them by mail. 

On XX/XX/2020 I received another notice about foreclosure with a single point of contact listed as a XXXX XXXX - XXXX. I immediately forwarded to her all the information and documentation I had sent and was told was attached and received by them. 

I am sick about this - I have done NOTHING wrong. I have paid every single bill coming to me, never have I ever in 20 years of having a mortgage ever experienced something like this. They have my money and refuse to address an error that is appearing to be larger than just my issue. 

I have showed this information to others in the banking industry and they are shocked that they have not corrected the issue on there side of things yet. 

I also received a notice from Insurance company that they had not paid the premium held in our escrow account. However I have discovered they did pay the County Taxes in the same escrow account. 

Please help me get someone there to immediately correct this issue as I believe a timely acknowledgement and response is warranted.
Product: Credit card or prepaid card

I owe this Ulta Comenity bank {$6.00}, 3 months ago. I missed to pay or overlooked since It was just a small amount. 3 months later it becomes {$60.00}, I made a phone call and paid on the phone and to close my account, the lady on the Comenity said I might still receive a charge from the mail as the last closing cycle. I said thats why I called to make sure I can pay the fulll amount without getting anymore charges. It took down my credit scores by so many points. Now this kind of XXXX is like abuse to consumers. This XXXX  people in so many ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted MoneyLion on XX/XX/2022 around XXXX via chat and spoke with XXXX XXXX I advised agent that MoneyLion is reporting inaccurate information to all 3 credit bureaus. XXXX stated that she currently sees my account is paid off and the only thing I could do is file a dispute. I asked XXXX a for a sup she advised sups werent available via chat. I then contacted MoneyLion via phone around XXXX. I spoke with supervisor XXXX who also said the only thing I can do is file a dispute. XXXX also advised he seen my account was paid off. I advised XXXX I expect this to be updated or I would file a complaint with CFPB XXXX stated that was okay.
Product: Credit card or prepaid card

Date : XX/XX/XXXX Total of {$2700.00} Things purchased : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these things were purchased on the dates of XX/XX/XXXX, and XXXX of the year XXXX, the first 2 purchases were made at the same location of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The last purchase was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted Best Buys customer service on XX/XX/XXXX and they told me that they will close out the old credit card first used for the first purchases and provide me with a new credit card number. On XX/XX/XXXX the last purchase was made with the new credit card number provided by Best Buy. I am just wondering how these credit card fraudsters managed to get my new credit card number when I dont even have the credit card yet. My credit balance is also a max of {$3000.00} and now there is a total of about {$3900.00} that I owe to that credit card.
Product: Credit card

On XX/XX/XXXX I was called about a new credit application on a current card. The individual knew the amount on the card and knew my address. He kept pushing me for information and said the request for a new card came from Indiana. I started getting suspicious and tried to call the credit card company. I was put on hold for 40 minutes with no answer, I tried going online and booted out of security. This went on for over 5 hours. I was never able to connect to an individual that could investigate the problem scam. I called to block the card and then out of frustration closed both of my accounts. I Still have not been able to reach anyone about the potential security breach.

This company makes it impossible to reach anyone. 5 hours of hold time!

I also wanted to adjust my automatic payments and could not do that either.
Product: Vehicle loan or lease

I have been working on my credit report diligently and this account is showing as a derogatory collection. I originally tried to purchase a XXXX XXXX, I think it was, from XXXX XXXX in XXXX, Fl. and has since been sold to Jefferson Capital. When I went to pick it up from XXXX XXXX and do paperwork, salesman informed me that something was wrong with that car so he sent it to the shop and brought out a XXXX XXXX instead. I agreed because I was desperate. I had nothing but issues with it and the gap insurance seemed to not cover anything. The car was a XXXX and I took it off the lot in XXXX, I believe. I called service dept several times for different issues and all they would tell me is " XXXX '' won't cover it. The last problem, which I was done dealing with them at this point, was a horrible smell coming from the a/c usage. I paid {$120.00} to XXXX XXXX, ( XXXX, gap ins ) recommended they were closest to me, XXXX, Fl ) for them to fix it and when I got it back it still smelled when using a/c. XXXX would not pay for it. I had the car approximately 4 months. I asked them to come pick the car up and I would like to end the contract. They indeed, picked the car up. I spoke with the salesmen most of the calls I made other than the service dept. This was 3 years ago so I'm sorry, but I can not remember their names. My credit report is showing I owe Jefferson Capital {$15000.00}, which was the ORIGINAL price of purchase, AND they have the car and I paid payments while I had possession and a {$500.00} down payment! These amounts may seem petty to them, but they hurt my pocket tremendously! I spoke with Jefferson Capital and tried to negotiate a fair price, and they did come down considerably but I still don't feel that I owe {$6500.00} ( Jefferson Capital settlement offer ) for a car I had constant issues with and no longer own and ONLY owned for approx 4 months, and XXXX XXXX  has been in possession of the car, since XXXX. I should have known they possessed shady practices, when he brought me out a whole different make, model and size of car I originally wanted to purchase but then again, I thought to myself, " at least he was being honest about issues with the original car I chose ''. I think its horrible that consumers are constantly pushed into contracts by unfair and dishonest business practices and there are no repercussions. I know I'm not the only consumer to be duped by XXXX XXXX. I read some of their reviews after the fact. I now read reviews EVERY time I have to make a purchase of something so expensive and even purchases not so expensive. I would be happy to see this account removed from my credit report. It is a huge stumbling block for my future. I wasn't going to report this but I ended up deciding that, I tried to work with both XXXX XXXX  and Jefferson Capital to no avail and I deserve this removed from my report. I would like to thank you for your efforts in helping me bring a close to this nightmare. If you have any questions for me, I can be reached at XXXX. Thank you so much for your time. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Jefferson Capital XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XX/XX/XXXX were not late. Payments made in accordance with payment forbearance given by company.
Product: Checking or savings account

Capital One recently introduced a new Performance Savings account with a 1.7 % interest rate. However, existing customers with their current savings accounts were not notified that their rates were lowered and that they could open the Performance Savings account at the the higher rate. This is very deceptive as Capital One can create new accounts with higher rates while excluding existing customers with notifications that they can move it to a new account. Numerous customers have complained on their social media channels.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me and Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Student loan

My employer sent {$10000.00} on my behalf to my student loan serviceXXXX XXXX/Mohela XX/XX/XXXX to pay down my student loan balance. However, it was sent to the federal student loan side and not to private student loans. I made a call in XX/XX/XXXX and Mohela said they could not transfer the money to the private side and they would need to refund the money back to my employer so a new check could be sent. I have continued to make calls to XXXX/Mohela requesting the status of the refund and they continue to tell me its being sent out. As of today XX/XX/XXXX it has not sent sent back to my employer. One of my contacts there is a supervisor by the name of XXXX XXXX. 

XXXXMohela continues to hold this money and in the meantime I continue to pay interest on a higher balance. I feel that they are purposely dragging their feet for this reason. 

I can provide a copy of the check sent to XXXX/Mohela showing when the funds were sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a account on my credit reports that I did not open I want my right by fair credit 609 for them to provide me with address items sent date price history I want everything verified proving this is my account if this can't be verified then delete immediately
Product: Credit card or prepaid card

On XX/XX/XXXX, my card was charged {$190.00} by XXXX XXXX, which we came to find out was some supplement company in Georgia with hundreds of complaints against them. There was another charge for {$49.00} the same day by the same company. And one more charge for {$190.00} ( again ) same day, same company. We were not aware of the charges until some unordered product ( a small bottle of pills - we think ) showed up at our door about a week letter and then saw the fraudulent charges on my card. I immediately contacted Barclays to make a fraud claim. We also returned the package to the sender unopened.

Barclays apparently did nothing and at the end of XX/XX/XXXX, there were 4 additional charges on the same card for " XXXX XXXX XXXX - three of these charges were for the same amount {$53.00} on XX/XX/XXXX, XXXX ( same day ) and XX/XX/XXXX. XXXX charge was for {$130.00} on XX/XX/XXXX. I called Barclays again, state that these charges were incorrect or fraud, and asked that they do something about it. About a week later we got a letter saying that the charges were legitimate because the vendor said they sent us product. I again contacted Barclys to explain that we dod not order the product and returned it immediately. I also asked for the disposition of the other obviously fraudulent repeat charges to XXXX XXXX and ask them why they dis not cancel the card immediately after the first fraud report in early XXXX. They had no answer. 

I again went through all the transactions with them on file and explained which ones were fraudulent and which ones legitimate. They said they would start another investigation. Today I received a letter from Barclays 's saying that they couldn't resolve this for some reason. I also see a variety of credits and charges on my account since I stopped using the card over a month ago. I have not activated the new card they sent me because of all of these problems.

I have tried to resolve this on my own with Barclays to no avail. Last time I spoke with them I said that I would file a complaint with the CFPB if this didn't get resolved soon. Seems like they dont care about that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report from Chex systems stating that there is a credit inquiry from XXXX in the behalf of XXXX XXXX XX/XX/2020. On top it says viewed by others. Ive never gave written authorization / permission for this to be furnish on my consumer report. This is a violation of my privacy, to furnish something on my consumer report without my written authorization, as a consumer I have the right to privacy and XXXX systems violated that privacy by furnishing this inquiry without my authorization. 

XX/XX/2020 - inquirer XXXX on behalf of ally bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had 2 transactions in XX/XX/XXXX. For both for same merchant for {$3000.00} and {$2000.00} for a life time services of trading classes. The company got sued in XXXX and they were waiving some fee. I wrote them email inquiring about how its going to work and they said your framing debt has been closed and you do not have the services anymore. I had already paid XXXX in total and was only XXXX remaining. I try to reach them back to figure out if they are going to refund all the other charges and gotten no response. I told my credit company for a dispute since now its a fraudulent charge. The credit company did not get a respond from a merchant and did not help me. It was synchrony bank issued credit card called XXXX XXXX Managers name was XXXX he refused to give me his last name and was extremely unprofessional.
Product: Debt collection

15 U.S. Code $ 1681c-2. 
XXXX XXXX XXXX experienced a significant data breach in 2021. In XX/XX/year>2021, it was reported that hackers had stolen the personal information of about 70 million XXXX XXXX XXXX customers, including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. 
I want these items deleted from my credit file. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. 

The exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request that XXXX XXXX XXXX provide complimentary credit monitoring services and identity theft protection for a minimum of two years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. 
Assurance of Enhanced Security Measures : I would like a detailed explanation of the steps XXXX XXXX XXXX is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. 
Compensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that XXXX XXXX XXXX provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. 

Please acknowledge receipt of this letter and provide a response outlining the steps XXXX XXXX XXXX will take to address my concerns. I trust that XXXX XXXX XXXX values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. 

Thank you for your immediate attention to this serious issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Debt collection

This account do not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved.