23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX17- applied for a Balance transfer for {$1900.00} online. Notice that the actual account the transfer was to credit was wrongly entered by one number at the end. 
Same day- contact company thru their website Consumer Service line with written information that the account was wrongly enter. They reply back with a generic statement for transfer details. 

XXXX17- Balance transfer was completed for XXXX on my statement. But, it did not post to the right account due to error for wrong number at the end. They say that I would need to wait 7 -10 business days to see if the account would have the posted to the credit card. 

XXXX17- I waited the 10 business days for the account to post with the {$1900.00} dollar fund to the other credit card. It did not post. I personally called and talked with a Consumer Relationship Manager- told them again- the account was wrong by one number and was entered wrongly. He verified that the account was different by the one number at the end. 
They would open a case on this and credit my account with {$1900.00} within a few days and check my statement for the credit of {$1900.00}. The case number is XXXX. 

I additional wrote thru their website for the credit of {$1900.00} to my account. They send another generic response back. 

Today XXXX17- I wrote again and asked when will my account be credit for {$1900.00} transfer. They responded with a generic response that I would need to wait up to 30 days to have this credit to my account. 

After working with company to first to correct the issue before they would post the transfer they refuse to listen to my concerns. Then the money did not post to the Credit card and they finally noticed that the account was wrongly entered in to the system and say they would credit my account within a few days. Now I need to wait additional 30 more days. If I was late with a payment as they are late with my credit due to me then I would be charge huge fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a savings account with a credit union but was blocked due to a Chex Systems charge-off from XXXX XXXX XXXX saying I owe {$140.00}. I have never had an account with XXXX XXXX XXXX. In the past few years up till XXXX, I have had multiple credit checks without this issue being flagged. I have had first-time homeowner counseling with a HUD-approved non-profit in early XXXX and this issue was never flagged. 

In the past month, XXXX XXXX bought out XXXX XXXX, which my parents had an account with in the past but their account was closed in XX/XX/2014 and they paid any balance owed. I have never had an XXXX XXXX account. XXXX XXXX XX/XX/XXXXis claiming a balance on an account that never existed and is not giving me documentation saying that I do not owe them the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX 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 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 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 Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX my car payment of {$220.00} was taken out of my savings account, but out of the blue I gotten an email ( XX/XX/XXXX ) stating that my payment wasnt received. Ive sent in an email to resolve the problem and still nothing. I contacted the bank to make sure it wasnt an error, and the teller stated that the car agency had taken the money from my account and nothing was reversed back. On XX/XX/XXXX, I spoke with a XXXX representative as he stated that the issue was made in error on their end, and that the balance was cleared ; all after I asked to have the bank involved in the conversation to provide the additional information. After several attempts to get the issue resolved, the XXXX representative never waived the amount off as promised, while still stating that I owe the paid amount. Customer service was very rude and never showed any interest on resolving the issue, as this isnt the forest time this happened to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

the member file was submitted by XXXX on XXXX/XXXX/2016 and the member submitted {$10000.00} to reinstate the loan and then was told it was {$12000.00} dollars and she submitted the money and was told the reinstatement amount was {$15000.00} dollars. She got the funds and submitted the funds and {$2000.00} dollars was kept. the local branch gave her {$13000.00} in plastic bags. She had a police officer help her count the funds and they were short {$2000.00} dollars ... ..
Product: Payday loan, title loan, or personal loan

I received an email in my spam box on XX/XX/2019, stating I had received an unknown account from a copmany named ( Greensky ). I called a 1 800 number to the company, and the representative advised me, I had signed -up for a loan through a third party? I informed the representative I had dealings with a roofing company and paid the company/contractor up-front cash therfore my involvement with the on-line company was unknown and fraudlent. The representative advised the alleged Merchant was no longer a part of the company and would XXXX  balance the account. I ask for the company to take the inquiry from my credit report. I informed the representative, that I did not give consent to the on-line company, nor didnot have agreed in writting on verbally to their involvement. The company ( Greensky ) later has had a representative in the dispute department ( XXXX XXXX ) call me for information on the company/their merchant. I advised her I would indulge them with a paid contract to show- I had not involvement with their company ( Greensky ) but in return they need to provide me with the supposed contract that I had with the Company Greensky since I have, nor seen such paperwork and for aribrtration purposes for burden of proof on this alleged agreement ( Court purposes- since I know I did not give permission ). The representative ( XXXX XXXX ) stated she only worked in the dispute department and could not provide me anything. My response was " I have spoken to two of your representative and the Bank that your compnay is third party and they stated, the company ( XXXX XXXX ) does not exist '' I also advised Ms. XXXX that I had filed a police report reference to my credit and information being fraudlently used without my permission. Ms. XXXX stated she only work for the dispute department of Greensky and need more documentation from myself such as : payment to merchant : my involvement with merchant ; personal text message and emails ( Which at this point giving more of my information to an unknown entity was refused- { the company wanted information from me but did not and can not not provide information to give to me }. After speaking with an attorney, I am willling to move forward with court proceedings to show proof of these preditorial third party lending organizations and daily their operations. There is no such thing as verbal consent or no contractual/ without written agreements in the state of North Carolina . In fact- the third party BANK XXXX, stated they do not service personal or installment loans for North Carolina . I currently have an investigative report on the contracting company, but it seems I will have to do the with this company named Greensky, for their tactics of trying to strong arm or scam me into paying for a loan at the hands of a predator contracting company. I do realize, the company may have scammed them too, but for the rest of the consumers who can not afford an attorney, the FTC may need to help with looking into thier lending process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX CT XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Debt collection

This company is violating my rights, they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies regarding reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I realized that the same accounts were erroneous. The Experian is required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$23.00}, XXXX XXXX XXXX  Balance : {$25.00}
Product: Mortgage

This is the fifth time Rocket Mortgage has WILLFULLY AND DELIBERATELY MISAPPLIED MY PAYMENT in XXXX. I made a payment of XXXX on XX/XX/2023, meant to go towards my XXXX payment ( and was marked as so ). I just made the remainder of the payment and realized they XXXX  me again and instead of putting it towards XXXX balance, rocket mortgage put this towards escrow. They misapplied payment in XXXX, XXXX payments on XX/XX/XXXX, and XXXX payment on XX/XX/XXXX, and then XXXX on XX/XX/XXXX. I made cfpb complaints about those first XXXX in XXXX. Then They deliberately refused to follow instructions for the XXXX payment made in XXXX as well, XXXX, but not really. I know I don't matter, and I know that the only way this is going to be resolved is going to be messy at this point. They willfully are not applying the payments to the monthly payments as the payments are being sent. They also changed my due date significantly, so my loan is now due at least 15 days to a full month ahead of what my payment date originally was as well. 

They are willfully putting the money in other buckets that don't apply to my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

us dept education. 
transunion shows Negative an positive and its confusing
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit pull from PayPal credit services
Product: Debt collection

Repeated calls, one after the other. Name calling and obscene language. Refuses to identify the company they 're calling with without finding who they 're talking to first, and then get belligerent. 4-5 calls per day to numerous phone numbers, have asked them to stop calling. Refusal to get supervisor when obscene language was used.
Product: Mortgage

On XX/XX/2021 i spoke with XXXX XXXX and he told me if i paid {$500.00} that amerisave would lock in a rate of 2.75 % for 90 days. When i told him that i was going with another lender he stated he would try to get my money back. When i reviewed the disclosure it did not state that i had a locked in rate but a floating rate which i had not agreed to. Once he took the money he started communicating through his personal hone number. I text messaged him that i would not use amerisave in the future and let everyone know about the fraudulent {$500.00} lock in rate scam i no longer received any correspondence from him at all and my loan was closed. I should get my money back and people should be aware of this type of fraud. This in my mind constitutes a scam and should not be allowed to happen. I am just trying to get my {$500.00} back.
Product: Credit card or prepaid card

I had a Barclays XXXX  Credit Card ending in ... ... I used this card to get credit for my maintenance fees with XXXX XXXX. This is the only credit card that will work with XXXX. I always paid my balance in full each month. I never had a problem with my payments. I made one payment on my card with a check that I was told was ok. The account had sufficient funds but did not allow my payment to be credited to Barclays. Barclay abruptly closed my card, demanded payment in full from another account of mine, including extra charges, all of which were timely paid. Barclays kept denying me use of my card or any other Barclay or XXXX credit card. Barclays will not even talk with me about it. I'm given the run around but no answers each time I call. This unlawful action has caused me credit problems over the last 25 months.. Again I always paid timely and never had a previous problem. XXXX, because of their agreement with Barclays, will not allow me to get my annual credits for my maintenance fees. It is costing me over {$1000.00} a year extra because of Barclays unwarranted action. This unlawful event took place in XXXX and XXXX of XX/XX/XXXX. The amount of money was {$7000.00} which I paid in full. My loss with XXXX has been over {$3000.00}.
Product: Credit reporting

After getting information today ( XXXX/XXXX/2017 ) that my SSN may have been compromised on XXXX/XXXX/17, I tried to contact the XXXX credit reporting agencies to request an initial fraud alert. I was unable to make a request either online or via the phone number provided for XXXX or XXXX. I went through the process on the Equifax automated phone system and was eventually told that there was already an initial fraud alert for my SSN. I did not request this initial fraud alert and am concerned that someone else has my SSN and has requested the initial fraud alert so that they are contacted with credit requests instead of me. The Equifax automated phone system told me to send additional information to their Office of Fraud Assistance in order to request ( another? ) initial fraud alert. I tried to contact a representative at Equifax to find out when this initial fraud alert was placed ; however, there was no way to speak with a representative or get that information online. I tried to contact the other credit reporting agencies as well but could not speak with a representative. I called the FTC and CFPB for suggestions on what to do next, and the CFPB representative suggested that I file a complaint here. I also have a XXXX account since my information was part of the XXXX breach a few years ago. According to that account, there has not been any activity using my SSN as of XXXX/XXXX/17 ; however, I 'm trying to be proactive in preventing fraud from occurring at all.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address the discovery of fraudulent activity on my consumer report. Upon reviewing a recent copy, I found that I have been a victim of identity theft. I also received a letter in the mail from XXXX  XXXX stating my information was in a data breach. I found an account with XXXX XXXX that I did not do or authorize has stolen my identity and placed this account on my credit report I would like this account to be erased off my report This alarming situation violates federal laws, including 18 U.S.C. 1028A and 15 U.S.C. 1681q, which prohibit the unauthorized use of another individuals identifying information. These offenses constitute felonies punishable by up to two years of imprisonment, in addition to civil liability. Unauthorized Accounts and Legal Violations During my review, I identified this account on my consumer report that I did not open, authorize, or recognize. I have never provided written authorization for these accounts to appear on my report, as required under 15 U.S.C. 1681b. According to this statute, consumer reporting agencies may only furnish reports under specific circumstances, including when : 1. The consumer initiates the transaction. 2. The consumer provides written instructions. Since I have not authorized these accounts, their inclusion on my report is a violation of federal law. Violation of Privacy and Coercion The presence of these unauthorized accounts also infringes upon my right to privacy. These false debts have been publicized without my consent, exposing me to unwarranted scrutiny and harm. Further, 15 U.S.C. 1692d prohibits the advertisement of debts as a means to coerce payment. The continued reporting of these accounts not only violates this statute but also creates unnecessary financial and emotional distress. Impact on XXXX XXXX This situation has caused severe harm to my XXXX XXXX, as I am currently in the process of purchasing a home for my family. The fraudulent accounts have disrupted this process, causing significant XXXX  and emotional strain. These inaccuracies have made it difficult for me to move forward with important life decisions and responsibilities. Requested Actions To resolve this matter, I request the following actions : 1. Immediate Removal : Delete all fraudulent account from my consumer report. 2. Notification of Third Parties : Notify all third parties that have accessed my report of the corrections made. 3. Written Confirmation : Provide written confirmation of the actions taken within 30 days, as required under 15 U.S.C. 1681i. Failure to address these issues promptly will leave me no choice but to file formal complaints with my state attorney generals office and congress. I also reserve the right to pursue legal action to protect my rights and seek compensation for the harm caused. Thank you for your immediate attention to this matter. I look forward to your confirmation of these actions.
Product: Credit reporting or other personal consumer reports

I was part of a data breach and have been for years. My information has been compromised from my name, address phone number Social Security number all passwords email address, phone number, etc. I have been trying to work with the credit bureaus they have not been doing anything to assist me.
Product: Student loan

Despite several attempts to rectify the situation, first with XXXX XXXX, then with Navient once XXXX XXXX changed their name, Navient continues to apply my payments in such a way to maximize the interest payments and extend the length of my higher interest loans. I have XXXX loans. I try to pay more than the required payment each month. Navient continues to apply the extra payments on principal to the lowest interest loans, while applying minimal amounts of the extra payments to the higher interest loans. If the extra principal payments had been applied equally to all loans, or mostly to my higher interest loans, those higher interest loans would be close to paid off by now, if not already paid off. I even once sent in a {$20.00} extra payment on a separate check with specific instructions that the extra payment was to be applied to my higher interest Loan # XXXX. Navient applied it to my low interest loans instead. I would like to continue to make extra payments on principal, but Navient will not apply the extra payments to the loans I specify. My accounts are in good standing, and have never been in delinquency. I should be able to have these loans forgiven due to the amount of extra interest and payments I will have to continue making due to Navient 's ( and XXXX XXXX prior ) unethical and what I consider criminal behavior. They should be operating to legally minimize students ' interest payments -- not applying payments in a way to profit themselves at a detriment to the payee. This has been going on for close to 10 years now.