23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score.
Product: Mortgage

This is the second time that my account has been placed on XXXX XXXX XXXX XXXX XXXX when I definitive proof from my Insurance Agent that they deliver proof of Insurance annually to the servicer, XXXX  XXXX XXXX. I had to seek a refund last year. This year, they sent me a letter advising i was all set after I re-sent the proof of Insurance yet they escrowed for it all the same. I am due a refund of 2 months of escrow, immediately. It is a nightmare to get to someone to discuss and once transferred, have to go thru verification a third time, once on the phone and 2x to AGents. WORST SERVICER
Product: Checking or savings account

I contacted Navy Federal Credit Union regarding an unauthorized transaction on my account. Date claim was placed with the credit union was XX/XX/XXXX ( Saturday XXXX XXXX ) but was sent a letter on XX/XX/XXXX ( Monday ) ( so in two days over the weekends ) and didnt get the letter until XX/XX/XXXX in the mail telling me the complaint was unfounded. They completed an investigation and denied my claim. Navy Federal Credit Union instead of completing an investigation regarding my claim of unauthorized charges. 

Today I spoke with XXXX ( Fraud Supervisor ) at XXXX XX/XX/XXXX, regarding this and she said it will take 3-4 days for them to reinvestigate the issue, however if the initial dispute was done in under 1 day why would it now take 3-4 days to " further investigate ''.
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. 


1XXXX XXXX XXXXXXXX # XXXX 2.XXXX XXXX # XXXX 3.XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency
Product: Debt collection

Debt collector contacted some one other then myself and discussed my amount owed and payment plans available
Product: Debt collection

I keep getting calls and text messages from Central Portfolio Control Inc . I have asked them to stop calling me for a XXXX XXXX. However, they do not. It will go a couple of weeks then they will start again. I want them to stop sending me unauthorized text messages and phone calls. I am not XXXX XXXX. The guy wasn't a XXXX citizen and skipped town after he did a hit-and-run in XXXX. I have owned this number since XXXX and its constant XXXX calling me for this guy.
Product: Credit card

I bought a painting for {$150.00} from XXXX on the internet using my Chase Visa card. Shipping was supposed to be included in the purchase price but, after the purchase, the company wanted to charge me another {$150.00} to ship the painting to me. I tried to put the {$150.00} into dispute on my visa card but Chase Visa ruled in favor of the merchant and told me it was a dispute with the merchant and to contact the merchant directly to resolve it. I contacted the merchant once more. They said they no longer had the painting - it had been resold. I contacted Visa once more to explain that this was now a fraudulent charge on my card. Chase Visa refused to accept this as a fraud and continued to claim it was a dispute with the merchant. As a result I am {$150.00} out of pocket and I have a problem with the goods - I never received them.
Product: Credit card

I received this card and because the rate was very high I returned back to bank and ask them to close this account. They did but never sent me a billing statement. I do n't do paperless statements so therefore I never requested this service. I decided to check my e-mail today and I saw this letter. I did call in and spoke with XXXX reps and XXXX supv but we did n't make it pass the verification even after coming through verified by automated.
Product: Vehicle loan or lease

I AM IN THE PROCESS OF BUYING A HOME, BUT I CANT BECAUSE A REPO CAME UP ON MY CREDIT REPORT. I FURTHER INVESTIGATED, IT WAS NOT ME WHO TOOK THIS AUTO LOAN OUT AND THEN GOT THE AUTO REPO 'D. I AM UNSURE OF WHO IT WAS. I CA LLED WESTLAKE FINANCIAL WH O IS THE FINANCIAL COMPANY RESPONSIBLE FOR THIS LOAN- THEY TOLD ME TO FILE A REPORT. I FILED A REPORT WIT H IDENTITYTHEFT.GOV ON   XXXX  O F 2017 AND  SPECIFICALLY ASKED THEM TO VERIFY THE INFORMATION. THEY REPLIED TO ME 42 DAYS LATER, SAYING THEY DID NOT FIND ANY IRREGULARITY IN THE ACCOUNT. THE FIRST THING I SEE ON THE DOCUMENTS THEY PROVIDED IS : ADDRESS DOES NOT MATCH MINE, NOR DOES THE LAST NAME OR PHONE NUMBER OR EMPLOYER. I WILL NOW SEND THEM PROOF OF MY IDENTITY :  PHOTO COPY OF MY DRIVERS LIC., PA SSPORT AND UTILITY BILL. THIS COMPANY HAS FAILED TO COMPLETELY VERIFY ACCOUNT MEMBERS IDENTITY AND PUT A BAD SCORE ON MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documents to this company via certified mail which were police report and ftc report indicating that the account they are reporting to my credit reportis fraudulent and should be removed immediately I have not received any response certainly not in written I also sent in a debt validation letter giving 30 days to provide and contracts to validate this debt and have not received anything
Product: Checking or savings account

On Friday XX/XX/2022 I went into my Discover Bank account to add my XXXX savings account ( operated by XXXXXXXX XXXX  ) as an external account to transfer money. Both of these banks are legitimate FDIC registered banks. 

Upon adding this external account, my Discover bank account was immediately locked. I called Discover but they explicitly told me ( XXXX different representatives ) that XXXXXXXX XXXX  is " not supported '' for ACH transfers from Discover, and that I should initiate the transfer on the XXXXXXXX XXXX  side instead. The did not and would not provide additional details as to why it is " not supported '', stating that " some banks are just not compatible with each other '' which is simply not true for a standard ACH transfer within the US, for two FDIC registered and insured banks. 

No transfer to this account was even initiated ( not that it should matter ) for Discover to freeze my account.
Product: Debt collection

dated XX/XX/2021 on collection notice amount {$200.00} original creditor : XXXX I never have a account with XXXX and never have owed money to them. 
I tried to call the number on notice, but it keep saying not avail to answer. 
This company keep mailing Collection Notice several times. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX SC XXXX phone : XXXX extension XXXX
Product: Mortgage

This is regarding CFPB complaint # XXXX Attached are the proofs. 

XXXX Bank letter proves that identifying information was there to apply the payoff balance on XX/XX/22. The error is on XXXX XXXX, ShellPoint, NewRez. 

XXXX the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.
Product: Debt collection

I am a XXXX XXXXXXXX working in the XXXX XXXX. A few fraud accounts appeared against me during a recent required security clearance check. After I contacted XXXX XXXX management to let then know I never had opened an account with then or Comenty bank, they hung up on me. Then they began calling my father over and over and demanded he pay the bill! I have called them over and over from here in XXXX and they hang up on me every time and say they can't talk to somebody outside of the XXXX!
Product: Debt collection

I had signed on to this apartment lease as a XXXX applicant, and was unaware of the amount due.
Product: Mortgage

I applied for a FHA mortgage loan on XX/XX/22 with PenFed credit union. The loan officer I dealt with pre approved my application awaiting a contract, I submitted a signed contract for a home on XX/XX/22, after two weeks of emails, phone calls I heard nothing until I called the direct line and found out that loan officer was no longer with the company so I was assigned another loan officer, XXXX XXXX, after submitting another application and all the documents with him I was assured all was in order and I would be approved with closing date of XX/XX/22 changed from XX/XX/22. Two days before closing I was informed by XXXX XXXX that the loan was declined due to an FHA regulation on the time the house was put up for sale so I would again have to redo the application, contract, etc. and change closing date to XX/XX/22. Was told on numerous occasions all would be approved now with the date changes. Again, two days before closing I was informed that the loan was declined for " income '' and I would receive a notice. I truly believe I was discriminated against because of age/sex. I have since applied with another mortgage company with all the same documents/information and was approved with no issues!
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting or other personal consumer reports

On XXXX the XXXX 2023. I received an alert on my phone in reference to a drastic decrease on my credit file. I reviewed my credit file and noticed that I had 2 late payments from XXXX XXXX XXXX. I reached out to Experian who I subscribe my Credit Monitoring through a paid membership, to alert them that I did not have a XXXX Account with a credit limit of {$2000.00} with a high balance of XXXX. I was informed to place an identity theft claim and submit it to the bureaus for removal and reach out to the Creditor. I went to the local XXXX XXXX XXXX, and they confirmed that this account does even exists. They ran my Social and I personally bank with this institution. I filed a dispute, with the Credit bureaus and it came back affirmed that this was my account. I was very confused that the account stated that this account was opened in XX/XX/2023, and it did not appear on my Credit report until XX/XX/2023. The high balance continues to change monthly. If you review my Credit report prior to XX/XX/2023, this account never appears. I have several arguments regarding this issue. This has hindered me from going forward with the purchase of my home and I would like for this account to be removed from my Credit Report. I have found several violations in reference to this account on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information. I am listed as a potential victim of a security breech according to their equifaxsecurity2017.com website, and would like a resolution that does not require me to enroll in their services due to their history of mishandling personal information or absolve them of their liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second compliant with the CFPB about the same issue. There are two account showing on my Equifax that are accounts that are apart of identity theft. These accounts are XXXX and XXXX. Please see attachment with the account numbers. 

Last compliant - XX/XX/2019
Product: Credit card or prepaid card

I am attempting to get a copy of the terms and conditions of a card that was opened in my name but is no longer open. I called multiple times to try to get a copy. The first call on XX/XX/XXXX I was transferred to two different departments and then provided a number and was transferred to another department. When I was transferred the call was disconnected. I attempted to call the number I was given and it is not a valid phone number. On a second call I was told they couldn't help me. I then called back a third time and was told that I would receive a copy via postal mail in 5-7 business days. Instead they mailed me a letter telling me my account is closed and I need to speak with their collections department rather than providing me the correct documentation.
Product: Debt collection

I paid my bill to University XXXX New Mexico XXXX XXXX XXXX through my bank checking acct at XXXX XXXX Bank on XXXX XXXX, 2015. They kept sending bills even though I sent bank information twice. Now I am in receipt of a collection letter from Transworld Systems Inc .
Product: Credit card

When I first registered for the Target red card Store credit card, I had a credit limit of {$2000.00}. After having the card for several years and paying off my balance on time every month, They randomly decreased my credit limit to {$200.00} And it Immediately tanked my credit score. 

Now every purchase I make using this credit card lowers my credit score by XXXX points or more because Even small Purchases result in high credit utilization. 

After this change came into effect, I Still paid my bill in full and on time every every month for several years, with the exception of one late payment during the XXXX pandemic. Other than that, I have always paid my bill in full and on time. I have updated my income Information with the company And have even called directly To ask that they raise my credit limit, preferably back up to the {$2000.00} I had to begin with. Or at least higher than {$200.00} so that it doesnt drop my credit score every time I use the card. 

They say that there is no way to ask for a higher credit limit, they say just keep using your card and if you deserve a Higher limit, youll get a higher limit. This is unfair and untrue. I have been using this card for years, very responsibly and have not had another late payment in the years since the pandemic Not to mention that they dropped my credit limit Years before I ever had that single late payment.

It is really frustrating to have this one card bringing down my credit score. Closing, it would tank my score further, and if I Stop using the card altogether, my limit would drop even further And/or the card would Be closed by target. So They have put me in a trap where It hurts my credit score to use the card, but it would also hurt my credit score to not use the card. Its rigged to keep my credit low and its not fair.
Product: Debt collection

Purchased jewelry, we returned to the store due to the jewelry breaking, merchandise was returned and balance was XXXX. Now 6 years later it is affecting my credit score, collection agency is refusing to remove it without this documentation even though XXXX XXXX agreed to remove it.
Product: Student loan

My name is  XXXX   XXXX   ( da ughter- XXXX  ), we called Sallie Mae on  XXXX / XXXX /  XXXX   and applied for a Smart Option Student Loan and was approved for {$10000.00}, which aligns to my daughter 's school obligations. We chose the Fixed-Deferred option with an interest rate of 9.827 %, which we were quoted and told that would be on the document when we went online to e-sign/accept the terms. Nothing was mentioned of APR during this conversation, at all! When we finished the call, my daughter and I signed onto our accounts to each complete the acceptance/e-signing process. I noticed right away that the Deferred-Fixed option was chosen, but the interest rate indicated a 10.38 % and no mention of an APR. I called customer service back and asked why I was seeing on screen the 10.38 %, and not the 9.827 % I was quoted/accepted over the phone. Neither the representative on the phone nor their supervisor ( when I asked to speak with after th e 3rd time being put on hold because she did n't understand, nor could explain why I was seeing the differe nce ) could explain why this was happening. The supervisor was very empathetic saying that he totally understood what I was asking and agreed, but when I asked why this was he could n't explain it! I 've accepted the current rate, because he reassured me that the true rate was 9.827 % ( only because we are at the deadline of having to secure my daughter 's spot at school ), and that I was going to be contacting the CFPB to intervene. I asked the supervisor if the 9.827 % was the rate with the 10.38 % being the APR, and he said he could n't tell why, but that they had to show the 10.38 % online due to a law. This does n't make any sense at all and need help in this matter! I do n't want my daughter having to overpay on a rate that was quoted but misrepresented.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX used a cleaning group and asked payment through zelle ( XXXX ). Did a bad job so left a negative review. 

XX/XX/XXXX accidently sent money twice to the person that cleaned my house of ( XXXX ). 

Called change on XXXX after dinner realizing money has been sent to the wrong person to cancel the transaction. Checking account showed pending but said it was not possible as money was already sent but will open a claim ( did not provide number will show up in Chase banking mobile app ) Chase asked me to reach out to the person and ask if they are willing to send money back so I sent text messages but did not receive a response even though the message was read ( XX/XX/XXXX ). 

XX/XX/XXXX sent another message but was just left on read. 

XX/XX/XXXX - Chase credits me {$75.00}. 

XX/XX/XXXX- Chase takes the money back. 

XX/XX/XXXX - Called Chase and was everything within XXXX policy.
Product: Credit reporting or other personal consumer reports

Identity was stolen. Credit account open with XXXX XXXX and XXXX XXXX. Cards marked as lost/stolen on credit report. I did not open these accounts. I called both companies to report this and filed a police report with XXXX XXXX XXXX department in Ohio.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXXXXXX XXXX to the major creditor reporting agencies in the amount of {$660.00}. 

Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. 

Although the debt was removed from my credit file after the seven year derogatory reporting period in XX/XX/XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. 

The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.
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 to 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. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Transunion continues to report an alleged collection account and has not validated this information before they added it to my consumer report. Under my federally protected consumer rights I have a right to dispute any information before it is added to my consumer report and I have received no such notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.
Product: Debt collection

I disputed this on my credit report and this has caused my score to drop causing my insurance rates to increase I asked for them to provide me a copy of the contract that has my signature on it and they failed to do so and they said that it would remain i submitted another dispute as well because it is impossible that I opened an account with XXXX at the time they say that I had an account with them I have had XXXX XXXX XXXX since XX/XX/year> and I have been using XXXX XXXX XXXX then and I have internet with XXXX and my internet service and phone service are all current so I dont understand how they are saying that I have service with XXXX and that I owe them XXXX dollars I feel they have made a mistake and are unwilling to correct it but XXXXm on a fixed income and this has caused my car insurance to increase to the point that I had to let it go and I have to get rides with my friends and neighbors to get groceries and I have been very independent all of my life and now I dont feel like a human being anymore because I have to rely on other people to drive me around and I have a perfectly good car in my driveway and I cant even drive it because of this and I feel that if they dont remove it I will have no choice but to contact an attorney and sue for damages and suffering all I want is to get my credit back on track and I was almost there my report would have been clear in XXXX and I would be able to afford to get car insurance again but now they are putting stuff on my credit that is not mine and wont correct their mistake
Product: Credit reporting

I monitor my credit XXXX score each month when I pay my XXXX Card balance. This month the score went down XXXX points and it stated that it due to information in my Trans Union Credit report. I ordered my free annual report from Trans Union and on it there was no negative information that should impact my score. I called the Trans Union number given on the report to see if they could explain, but had no success. Although my all my accounts are marked as current and no negative information was reported, they could not assure me that the factor that is negatively impacting my credit would be corrected. I tried to file a report online to dispute this situation but could not because my problem did not fit into a dispute category.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted a negative item onto my credit report illegally. I demand that the negative account from XXXX be immediately removed and permanently suppressed. I have attached proof of my previous dispute and deletion