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

Opened account transferred money to myself account closed after 2 days claimed I will get refund of balance after 30 days none was received and no information provided as to why
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my review of my Lexis Nexis report, I initiated a dispute and Lexis Nexis did a reinvestigation of my report on incorrect information. Lexis Nexis determined on XX/XX/XXXX that an address on the Address XXXX XXXX ( Record XXXX, page XXXX of the report, attached ) was reported as accurate. This address is not accurate as I have never lived in XXXX. In XXXX, I filed a police report for Identity Theft on this address. I would like this reinvestigated by Lexis Nexis given the attached police report and have this entry, Record 4 on the Address XXXX XXXX removed permanently from my report. 

This incorrect address ( Record 4 ) does not appear on any of my 3 Credit bureau reports ( XXXX, XXXX and XXXX ) nor on any other report.
Product: Credit reporting or other personal consumer reports

I am sending this complaint regarding my mortgage account with NATIONSTAR/MR. COOPER ( Account number : XXXX ), which shows a late payment reported for the month of XX/XX/scrub>XX/XX/XXXX 2023.
Product: Credit card or prepaid card

Unauthorized charges were made to my Pay Pal Mastercard in XX/XX/XXXX. There were two charges to XXXX XXXX XXXX XXXX in the amounts of {$590.00} and {$730.00}. I immediately called the XXXX number on the card and let them know that I did not make those charges. About 10 days later the charges were removed. They sent me a new card. After a few more weeks, the site kept telling me I was due a refund of {$1300.00}, the amounts of the two charges. I called the XXXX number again and told them that those charges were already removed, and that I was not entitled to any more refunds. The agent we spoke to was very clear and said that the refund was to be sent to me, and that if I didn't want a check sent, they would credit my account. I told him I didn't want to be stuck having to pay this back if it was a mistake, but he reassured me that it was not a mistake and sent the check to me in the amount of {$920.00}, a smaller amount than the original, since I had already made other charges on my account. I received that check on XX/XX/XXXX and put it in the bank. On XX/XX/XXXX,  I noticed that my account showed two items listed as " Balance Transfer ( TB ) '', one in the amount of {$590.00} and the other for {$730.00}, the same amounts previously fraudulently charged to my account in XX/XX/XXXX. I called to inquire and was told that it was because I was not only credited by the original resort that charged me, that I was also refunded by Paypal, and that I could not have both. I told them what had happened when I called to inquire about the refund they insisted was due to me, and they said it was a mistake. It was not my mistake, it was their mistake, and now they are trying to make me repay over {$1300.00} that they insisted they owed me. Last week on Sunday, XX/XX/XXXX I disputed the new charges ( balance transfers, ) but have yet to hear from the credit card company.
Product: Payday loan, title loan, personal loan, or advance loan

Their website clearly states they do not pull a hard credit inquiry as not affect to your credit score, But when i filled out the application on their website they actually pulled my credit through XXXX XXXX, It was not a soft pull has advertised Then they said i was approved for {$900.00} but later denied it after giving them my banking information stating based on my credit information
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$550.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) Balance {$490.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX  XXXX ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$320.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance {$550.00} XXXX XXXX XXXX Balance : {$490.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$490.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : MECHANICS BANK AUTO FI XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting

I applied for a XXXX with XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX 2016. I went thru a phone interview with a HR Rep named XXXX XXXX a XXXX XXXX employee, accepted for the next step, a background. I received a stack of paperwork from XXXX XXXX XXXX XXXX ) by mail, completed it and sent it back. I was told by XXXX it will take 2 weeks to have your background completed, somewhere between XXXX/XXXX/16 -- XXXX/XXXX/16. I waited until the XXXX of XXXX to figure out the next process. I called and left messages. I waited until the holidays to be finished so a week later in XXXX around the XXXX I called XXXX XXXX XXXX XXXX XXXX about my status, XXXX stated " I have to contact some of your employers because they were off during the holiday. '' I waited a couple of more days to hear if XXXX got in contact with anyone, contacted her and she told me she only left messages and no one called her back yet. XXXX then told me that I need to start calling my previous employers to complete some paperwork and have them sent back to her. I contacted a few of my previous employers and stated what my reason of calling is. XXXX out of the XXXX stated " We 've tried to contact XXXX XXXX several times but no call back on her side and we just can not continue to put things on the side for this. '' The other employer stated similarity " I 've fax that sheet many times but the fax machine on her side are having issues. '' " Contact her back and let her know. '' I re-called XXXX back several times and left messages. A few days later in XXXX I called XXXX XXXX Headquarters located XXXX, spoke to a SR. HR Rep ( Benefits ) about all this and she replied to document all this and report it in the long hall. Here is the long hall ... .. I was told by this Sr. HR Rep ( Benefits ) to contact a HR Rep Regional office in XXXX XXXX XXXX XXXX by the name of XXXX XXXX XXXX so I did by emails, I copied and pasted all emails with XXXX and I and waited for XXXX XXXX to contact me back. A few days later i received a email from XXXX XXXX telling me it takes 2 months for your background to come back because its a XXXX. I made another contact with XXXX checking on my status and XXXX told me she received the forms from my employers and waiting on a few more things and she will call me back. Never heard from anyone. A few weeks later in XXXX I received a letter from a XXXX XXXX employee named XXXX XXXX ( Director of Recruiting ) with a letter head from XXXX XXXX 3rd party background check company by the name of Accurate Background located in XXXXXXXX XXXX. I read the findings that this 3rd party did, I disagreed with there findings to prevent my application in moving forward. Accurate Background told me they have nothing to do with the decision in my application call XXXX XXXX. Nobody from XXXX XXXX is responding. They are using my calls to Headquarter, which they gave me the name of XXXX XXXX and after reaching XXXX XXXX about this problem with XXXX XXXX resulted to this.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I request immediate action to remove the unapproved inquiries from my credit report, as they were not authorized by me and are causing me distress.
Product: Credit card or prepaid card

I disputed a charge on the Barclays Bank credit card as soon as it appeared on my statement for a service I was not happy with on XX/XX/2022. In mid XXXX of 2022 the merchant agree to the dispute and directed Barclay to credit the charge. The merchant has let me know that they will not charge me and the bank on their side has said there is nothing more for them to do. Barclay Bank needs to simply remove the charge from my card. Instead, they advised the merchant that they would respond to their request to refund the charge by end of XXXX. Barclays has added it back to my card and requested payment. 

I can not get anyone to speak with me about it and, to date, the charge is on my card and they are requesting payment by XX/XX/XXXX. In the meantime, due to their delay to reverse this charge, I will also be charged fees and finance charges on the balance. 

This is criminal for a bank to manipulate funds and customer use of their credit card in such a way. They are setting themselves up to make money from a customer dispute matter. 

I am not alone in this complaint with Barclays Bank credit card. A quick perusal of their social media page tells that this unethical ( criminal? ) behavior is how they perform in their daily business. 

PLEASE do something about this for me and all others who are victims to this bank 's unethical behavior.
Product: Credit reporting or other personal consumer reports

Profolio Recovery is reporting inaccurate information to all of my credit bureaus. I have no legal buying contract with them. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4.
Product: Credit card or prepaid card

I received a letter from from First Bankcard C/O First National Bank of Omaha stating that they had decreased the credit limit on my account DURING the National COVID-19 Pandemic. The change was made prior to any communication or notice period to me. The change has negatively impacted my credit score which in turn could potentially create undue financial hardship. As a consumer, I am appalled that while other financial organizations are trying to help consumers - First Bankcard is harming its consumers. 

The letter stated that they pulled my credit report. They did not have permission to do so. The account has been paid as agreed since it was opened. Never one late payment. The account has been paid off 2-3 times during the same timeframe. All payments have been above the minimum payment. 

I believe they limited my credit line because I was not utilizing the credit. Now - because they decreased the credit line to the exact, current balance - it shows as if I am maxed out on the account when it fact, they manufactured this result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX  that Phoenix Financial services reported on my credit report that I was in the hospital or had services by XXXX XXXX   on XX/XX/19 so this year and I have not been in the hospital at all this year nor last. Last time I attended a hospital I had XXXX and all medical bills have been paid. I reported this inaccuracy by XXXX   XXXX last year and this was removed from my credit report so I dont know why its on here again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation is still open under case file number XXXX. I have been patiently waiting for both XXXX and Transunion to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both XXXX and TRANSUNION to remove these inquiries.
Product: Student loan

My school, XXXX XXXX XXXX of XXXX XXXX, Tx filed for bankruptcy after going to court for an abrupt closure due to mishandling of student funds. Court is in process for the school closure. But due to this I have been left with a loan on my name that I need help clearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DPT EDXXXX Account # : XXXX Account Name : DPT EDXXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Product: Vehicle loan or lease

I am XXXX in the Residential Mortgage Business and my income has been severely impacted via the COVID-19 Pandemic. for example, I had 3 applicants that went under contract to buy a home and they were laid off from their job on XX/XX/XXXX. I do not get paid unless I close a loan. 
I have been a XXXX XXXX customer with XXXX for 10 years. I currently lease a XXXX XXXX. I requested an extension/forgiveness and they agreed to extend 2 months of payments which is added on to the lease term. However, they charged me $ {$220.00} Extension fee that was due after the two months had passed. XXXX XXXX added XXXX & XXXX month terms onto my lease term expiring in XXXX. AND XXXX charged 2 months of late fees ( {$10.00} per month XXXX. 
I was charged the fee on XX/XX/XXXX of {$240.00} and my payment of {$370.00} due XX/XX/XXXX for a total of {$620.00}. See attachment. 
I don't believe that thru these difficult times, there should be excess fees. I have asked XXXX XXXX as a ONE time ( since not likely to have another Pandemic ) courtesy which they refuse.
Product: Student loan

Log in does not work. Password reset doesnt work, it used to only let me log in one time per password reset and now I cant even do it once and the authentication codes they send also dont work. Its impossible to log in and they wont answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

In according with FCRA XXXX  account number XXXX progressive bankruptcy XXXX referencenumberXXXX. 15 USC1581 section 601A I do not any verbal or written authorized to display my on my credit report personal information published at any source data information without my permission please remove this items from my credit
Product: Mortgage

I discovered that the mortgage company misapplied funds for my XX/XX/XXXX mortgage payment. I pay my monthly mortgage of {$1300.00} in XXXX payments. PHH received the first half of my payment XXXX {$670.00} XXXX for XX/XX/XXXX on XX/XX/XXXX and the second half ( {$670.00} ) on XX/XX/XXXX The payment received on XX/XX/XXXX was incorrectly applied to additional principal and not the mortgage payment. The second half of the XX/XX/XXXX payment and all subsequent payments have been appropriately applied to the mortgage payment. 
I called PHH Mortgage Company on Monday, XX/XX/XXXX to advise them of the error and requested to have the XX/XX/XXXX payment for XX/XX/XXXX appropriately applied to the mortgage payment and not used as an additional principal payment. I was informed that my request would be reviewed and for me to call back next week for an answer. 
I received a call from XXXX Mortgage XXXX ( XXXX ) today, XX/XX/XXXX, informing me that my request was denied and that the XX/XX/XXXX payment would not be applied to the mortgage and that I am responsible for bringing my account up to date for the XX/XX/XXXX mortgage payment. I explained to the representative that my XX/XX/XXXX mortgage payment was already paid in full and paid early with the XXXX part of the payment received on XX/XX/XXXX. I was told the payment was incomplete for XX/XX/XXXX and I am responsible for sending the second part of XX/XX/XXXX 's amount.
Product: Student loan

I had 4 loans and after making payments I paid one off in full. There are 3 left and Navient service of these makes it difficult to repay. For starters everytime I try to make a payment there automated system hangs up on me and it takes 45 - 1hr trying to reach an actual person. I should not have to beg them to take my  payment? Secondly I feel they illegally cheat borrowers out of repayment rights through shortcuts and deception. I have been provided bad information, they have been processing payments incorrectly, and failing to act when I complain. Im a struggling borrower who has been cheated out of rights to lower repayments, which caused me to pay much more than they had to for their loans. Navient repeatedly misapplies or misallocates payments. Navient steers many into forbearance, an option designed to let borrowers take a short break from making payments. But interest continues to add up during forbearance. Navients emails and annual renewal notice sent failed to adequately inform them of critical deadlines or the consequences if they failed to act. Navient also obscured renewal notices in emails sent that did not adequately alert them about the need to renew. Severely and permanently XXXX  borrowers have a right to seek loan forgiveness under the federal Total and Permanent Disability discharge program. I have been almost XXXX by being XXXX and the school has not taken this into account. Navient has been in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 1 HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit card or prepaid card

XX/XX/2022 PNC banks associates did a unauthorized use on my credit card violations statue 15 USC 1602 15 USC 1601
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

The mortgage company sent an outrageous figures to my title company for pay off amount which no body can comprehend .Contacted them several times for explanation but they made false promises and never respond .We need the following break down : -Break down of all payments made to Shell Point mortgage XXXX 
-Deferred payment of XXXX breakdown. 
-Principal deferred of XXXX breakdown. 
-Funds owed to borrower of XXXX breakdown- - interest to XX/XX/21 of XXXX Facts on the loan when it was bought from XXXX mortgage. What was the the loan balance upon purchase and a complete breakdown. 

Thanks, XXXX XXXX