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

XXXX charge on XXXX XXXX Mastercard 0f {$2100.00} paid in full on XX/XX/22. Credited {$2100.00}. XXXX statement had interest charge of {$23.00} ( rather usurous ) which I did not notice so entire amount of {$2600.00} was paid on XX/XX/22. I was credited with only {$260.00} so interest of {$66.00} was added to my XXXX statement. I spoke to XXXX and interest charge was removed and I paid entire remaining amount on XX/XX/22. XXXX bill shows interest charge of {$25.00} which, I was told, was related to underpayment of {$20.00} ( because of bank error ) in XXXX and they would not remove it. This has been reported to credit agencies and has affected my XXXX score and card maximums. I have asked to review the XXXX and XXXX checks. I was told this would be impossible because checks did not exist anymore. I need help to remove {$25.00} interest charge and to have credit reporting companies correct their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

, Transunion, XXXX you all get the same report from metro 2 XXXX removed the XXXX XXXX XXXX  I request you remove it also
Product: Money transfer, virtual currency, or money service

XOOM money transfer, a XXXX XXXX service ( head quaters in california ) has stolen money amounting to XXXX XXXX dollars from my checking account XXXX XXXX I have all proofs of money transactions that has been created by XOOM money transfer. The customer abused me and threatened me when i asked for my money and denied my claim. My bank account has been compromised and i had to start a new account in XXXX XXXX I am please asking please help me. I am a XXXX citizen without a job. I have substantial proof that XOOM has stolen money. Please call me XXXX. This money is to be paid for my daughters tuition. please help. 

Best wishes
Product: Debt collection

I just gained access to my credit report and noticed that Amcol Systems has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their are XXXX collections on my account that i never knew anything about.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts listed below 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Here is the list of the accounts that has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX  Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX : US BANKRUPTCY COURTXXXX Reference Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan that was serviced by XXXX XXXX XXXX ( " XXXX '' ) that was in default. On or about XXXX or XXXX the loan status was changed to Charge Off. Subsequently, about XXXX, I entered into payment arrangements with XXXX but they stated that they could not change the status of the loan until it was fully paid, and that the status would remain as a charge off. 

Over the next couple of years I made payments on the loan and the balance has been reduced, but the status remained as a charge off, and I was repeated told there was nothing they could do. 

Sometime over the past several months the loan was transferred to Real Time Resolutions who started reporting the same loan as current account with late payments ( even though at the time of transfer the status of the loan was in fact a " charge off '' ) I now have two derogatory reports on the same loan, one as a charge off and one as a current account with late payments. As the charge off was 5-6 years old, its impact on my credit was finally being reduced and the new reporting has caused significant harm to my credit. 

I have requested RTR to confirm the status with XXXX   but they simply refuse to do so. I have requested XXXX to provide the status of the loan at the time of transfer to be provided to me in writing and to provide a copy of same to RTR, but am still waiting for same.

I have provided RTR with various correspondence between myself and XXXX  as well as a copy of a prior credit report reflecting the status of this loan as a charge off.

RTR is unfairly impacting my credit and they are fully aware of it. I have reported this information to the both XXXX  and XXXX  where they are reporting the loan impropertly
Product: Money transfer, virtual currency, or money service

I transferred international transfer from XXXX XXXX to XXXX but in XXXX  tag I put wrong data ( its a reservation code for my apartment ) I requested the origin bank the send a correction message and they did already but till now XXXX XXXX  didnt forward the new update to the receiver bank and my payment still on hold due to this delay. Attached included both documents 1. Transfer amount proof. 2. Correction message proof.
Product: Mortgage

I have requested multiple times for the PMI to be removed, I was told by the lender upon purchase of the property that once I had 20 % equity in the property it could be removed. The property is worth 2x what I have paid for it now and they still wont remove the pmi, They also had a system update that caused my automatic payment plan to be removed and I missed a payment as a result. 

It is unethical to keep charging pmi on a mortgage of XXXX for a house thats market value is XXXX, they are stealing from me.
Product: Vehicle loan or lease

I contacted Kia last fall to get assistance due to losing work from Covid-19. They told me they could extend three months of my loan to the end of the term but I would have to pay at least one payment up front for them to do that. I paid over XXXX dollars to them, processed the paperwork. One month later they were calling me for more money and informed me that my request was denied and " you have to make ten monthly payments on time to qualify for a postponing of your payment again. '' I have made every attempt possible to pay what I could and last week I made a payment of {$50.00} on the internet. I borrowed money this week from my son when I found out my Stimulus payment was going to be postponed. I attempted to log into the website, my account was locked. I called the number and the guy advised me I would have to pay an additional {$7.00} to make the payment over the phone when my son was present to give permission. 

I attempted to call again this evening, the first call went to the automated system - a {$3.00} fee to process a payment - and was going to take my payment until I put in my social. I then got transferred to a live agent who advised me they had to get me over to my agent. I began talking to my son and she said " excuse me '' and I responded with " I was talking to someone else. '' The line disconnected. I called back, same situation, automated system sent me to a live agent so I could make a payment for an additions {$7.00}. I asked this agent if she could take my payment and she immediately got rude with me saying " when you give me your name, I can pull up your account. '' I gave her my name, she told me she would have to transfer me also, I again I said something to my son. This agent said " who are you talking to. '' I responded with " my son. '' and she disconnected the call. I tried to call back 3 times and each time the call was disconnected. Finally on the fourth try, my son also called from his phone and we finally got the payment sent in. 

This feels like they are refusing to take my payments even though I have informed them of the situation and how it relates to Covid-19. 

Please help, they are demanding all of my stimulus check before they will reopen my account on the website so I am not charged additional fees to make a payment.
Product: Mortgage

I am desperately trying to keep my home, and have repeatedly requested resolution thru a Loan Modification. Yet because I originally questioned the validity of the initial modification offer that was sent to me, and requested an explanation of some unsubstantiated charges, they have denied me the offer. 
Now they are saying that I no longer qualify for any modification??? 
All because I delayed accepting something that I informed them was inaccurate. So they have now began a retaliation against me, by denying me any modification, and filing a foreclosure. 
I again " PLEADED '' with then to avoid litigation, and assured them that I wanted to work it out, but they have repeatedly refused, and now I have had to hire an attorney, and now have a large amount of additional legal fees, because of their poor communication. 
Additionally, they ( Mr. Cooper ) has continued sending me conflicting amounts that am supposed to owe?? They communicate very poorly, and I am still very confused and frustrated. I would just like to get this resolved. - ASAP - " PLEASE ''!!!!!!!!
Product: Checking or savings account

On XX/XX/2022, Regions Bank placed a Freeze on all my Accounts at the request of an Attorney - XXXX XXXX XXXX without a Court Hearing and without an appropriate order from the XXXX XXXX XXXX XXXX XXXX. 

The Court knows Mississippi Civil Procedures have been violated in this process and that's why they are trying to hurry and have hearings violating the 30 day procedural requirement and a sufficient Order given by the Court instead of being written by an Attorney. The Court Hearing was scheduled for XX/XX/2022 for the Freeze. But, the Freeze was placed on the Accounts on XX/XX/2022 before the hearing. And, then tried to do a quick turn around to do another hearing before 30 days on a Summons by a Judge who's under Judicial Performance Review. 

Regions Bank told me I need to go Court and settle this with the Court to remove the freeze initiated and prepared by the Attorney instead of a Court Clerk after a hearing with the Court Seal and Judges Signature. 

The matter at hand is an XXXX  Account with a check written out to me by XXXX XXXX XXXX and deposited into Regions Bank as an XXXX  Account at the request of my Deceased, Sister. 

Regions Bank allowed banking information to be given out on my Accounts according to the Prepared Order, by Attorney XXXX XXXX XXXX and then froze the accounts without a Court Hearing on XX/XX/2022.
Product: Checking or savings account

My mom wrote me a check from an account she had been saving for me for college. It was a CD account so when the CD closed it transferred to her account. There was a mix up and the bank closed the account and sent my mom a check. My mom did not know this when she write me the check so it ended up returned. When I found out I tried to call the bank to catch it before anything happened, but by then they had frozen my account. I called a few times to get this resolved and kept getting referred to other departments. Now today  XXXX . XXXX .2017 I went to the branch to see what can be done. They told me the account can not be reopened, however I found out that they 've flagged me as fraud. Bear in mind no one from the bank called me to let me know this is what happened even after several attempts to find out what 's going on. This is not fraud and I can not believe Bank Of America would just close my account and flag it as fraud without finding out what 's going on. I just graduated high school and heading to college, what do I know about fraud? I strongly believe Bank Of America should confirm before destroying people 's history by labelling them as fraud. This will seriously affect me at such a young age and whereas i know they have the right to close the account, they should not be allowed to just use fraud as an excuse. I have paid the balance owed and would like Bank of America to remove that red flag from my history. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Acct # XXXX I've attached the screenshots of my mortgage account report from the major credit bureaus, PROVING that XXXX is reporting erroneous, inaccurate & illegal information to my credit file. XXXX is reporting : 1. That a Foreclosure was INITIATED AS OF XX/XX/2022. 
2. My account status was reported as CLOSED, as of XX/XX/2022. XXXX. My account was reported as Flagged for a Bank Adjustment/Deed-in-Lieu/Bank Liquidation . 
I applied for the DC HAF program before XXXXXXXX XXXX XXXX  therefore I am protected INDEFINITELY, until DC HAF processes & approves my application for assistance. 
There is a Mortgage/Foreclosure Moratorium in place, by the Law : D.C. ACT 24-508. This Law PREVENTS ALL institutions from initiating or filing a foreclosure. So, reporting that is dishonest, erroneous, inaccurate & illegal!

I occupy & will be keeping my home. It is an OPEN account. Reporting it closed is dishonest, erroneous, inaccurate & illegal! 
There has never been a Bank Adjustment/Deed-in-Lieu/Bank Liquidation for my home . This is erroneous, dishonest & inaccurate.

This is harassment, threatening & bullying me as a consumer that was affected by not being able to work, due to the shutdown of my job, because of the pandemic. XXXX continues to make erroneous, inaccurate & illegal statuses on my credit files, although they are quite aware that I applied for the DC HAF program before the XX/XX/XXXX cut off date. 
Reporting an account to the credit bureaus is a CHOICE. Purposely XXXX erroneous information to the credit bureaus is a crime! 
I would greatly appreciate it if you would view the attachments and make the appropriate corrections to all of my credit files. Everytime you all commit these crimes, I will disputre them and continue my paper trail.
Product: Credit card

Hello, I want to submit a complaint because Citi bank closed my credit cards, they have requested XXXX form from me and told me that they processed it and couldn't verify my information. I believe there was an error on their side, I ask you to help me. I used my cards with no problem, I made all my payments on time, then suddenly they requested this information and I sent it to them. They state that they processed it and weren't able to verify information. I have reasons to believe that they either didn't process them accurately or there was an error on 3rd party side. I request them to allow me to resend that document and reprocess it and reopen my cards, because the answer they gave me is weird. There is absolutely no chance that they couldn't verify my social security number unless there was an error.
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. 

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

I have review my credit report and I keep seeing burnout inquiries on my credit report that I did not do I reached out to have them removed but I did not get a response this is fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX  XXXX - XXXX 15 USC 1681 Section 602 States I have the right to Privacy 15 US. 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written permission 15 US. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Please have these items removed
Product: Money transfer, virtual currency, or money service

Hello, I sold my Bitcoins on Coinbase.com to my Coinbase XXXX. Then i started a withdrawal to my private Bank account. I did this several times before. Everytime it worked. But that time it did not work. i started the withdrawal on XXXX. It says the money is on my bank account on XXXX. Still now the withdrawal is pending. But the money is not on my bank account and the money is not on my coinbase account. i wrote several emails. i waited days now. but they dont do anything. 

I already called different managers of my bank in XXXX, but the money did not arrive till now. In my Coinbase account the status of the withdrawal is " pending ''. So Coinbase stole my money and dont answer my Emails. 

Please help me to get MY money back. 

Thank you very much. 

Best regards
Product: Credit reporting or other personal consumer reports

How can you verify child support when your when your own case law says it's not supposed to be on there? That means you guys didn't do an investigation. It's a breach 15 U.S.C 1681i .I have been getting denied credit because of child support please remove Law 15 U.S.C 1681n Experian XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear NAVY FCU, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003. 

It has unequivocally come to my attention that NAVY FCU has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Arizona state law, specifically Section 44-3301 of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section 13-2003, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for NAVY FCU to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that NAVY FCU immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that NAVY FCU will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXXXXXX balance {$8600.00}, XXXX XXXX balance {$11000.00}, XXXX XXXX balance {$1000.00}, XXXXXXXX XXXX XXXX XXXX  balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act and request that the Credit Bureaus remove the fraudulent and unauthorized inquiries from my Credit File. On XX/XX/XXXX, I sent a dispute letter to the Equifax and XXXX Credit Bureaus requesting that they remove the disputed inquiries completely from my Credit File. I fear that the Credit Reporting Agencies were not able to receive the dispute letter I sent, so I am attaching these dispute letters on this complaint. Once again, I need the Equifax and XXXX Credit Bureaus to remove the following inquiries completely from my Credit File as as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These Inquiries were never authorized by me nor anyone on my behalf so please have these inquiries removed as soon as possible.