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

Never lived at following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FTC Violations : XXXX XXXX XXXX XXXXXXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current, was past due 60 days Status Updated XX/XX/XXXX Balance {$15000.00} Balance Updated XX/XX/XXXX Original Balance {$22000.00} XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$210.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX  Monthly Payment - Past Due Amount {$210.00} XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Paid, was past due 90 days Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX XXXX XXXX {$400.00} XXXX XXXX Account XXXX XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XXXX XXXX Balance {$17000.00} Balance Updated XX/XX/XXXX Original Balance {$26000.00} XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$3200.00} Balance Updated XX/XX/XXXX Original Balance {$8100.00} XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold XXXX XXXX XXXX Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance {$13000.00} XXXX XXXX XXXX Account # XXXX Original Creditor XXXX Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! - Payment Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX internal collection department Status Updated XX/XX/XXXX Balance {$1900.00} Balance Updated XX/XX/XXXX Original Balance {$700.00}
Product: Credit card or prepaid card

On XX/XX/2021, I submitted a deposit of {$30.00} ( using my Wells Fargo credit card ) to a stylist for a hair appointment for a specific hairstyle. The day before my appointment ( XX/XX/2021 ), the stylist informed me the she would not be able to provide the services for the specific hairstyle that I initially paid the deposit for. On XX/XX/2021, I responded and requested that she refund my {$30.00} deposit since I would not be able to receive the services that I paid the deposit for. I did not receive a response so on XX/XX/2021, I requested a refund of my {$30.00} deposit again and the stylist advised that she would submit the refund request through XXXX XXXX XXXX and it would take 1-3 days to send the funds back to my Wells Fargo credit card. I submitted a dispute to Wells Fargo on XX/XX/2021( Dispute Number : XXXX ), so that they could request the funds back from the company because I haven't received them. It is now XX/XX/2021 and I still haven't received the funds or a resolution from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting inaccurate information to all 3 credit bureaus. To XXXX they are reporting Charge off from XX/XX/XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XX/XX/XXXX-XX/XX/XXXX and 30 days late from XX/XX/XXXX-XX/XX/XXXX. They are reporting no derogatory information on XXXX and 90 days late from XX/XX/XXXX-XX/XX/XXXX on Equifax. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I simply want to have my Certificate of Deposit monthly Interest payments sent to the account I used to deposit the funds for the XXXX. There is no option to set that up when opening the XXXX. There is no option to do that online. I have sent messages through the app, but receive no response ( for as long as XXXX days to date ) and when contacting your customer service, I am on hold for XXXX minutes, then disconnected. You have my money, you need to also perform the basic tasks requested.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : EQUIFAX MTG XX/XX/year> XXXX XXXX XX/XX/year> EQUIFAX MTG XX/XX/year> EQUIFAX MORTGAGE SER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> EQUIFAX MORTGAGE SER XX/XX/year>
Product: Credit reporting or other personal consumer reports

I was in XXXX and I lost my wallet with all my information inside XX/XX/year>. I sent over XXXX FTC Reports XXXX Experian, XXXX and XXXX. XXXX time in XXXX of XXXX & another time in XX/XX/year>. I recently just got into my Experian this year and notice it was inaccurate and fraud done to my name that I did not give any consent to. Once I did the correct procedures no one answered my reports my letters or anything.
Product: Vehicle loan or lease

During the Covid 19 pandemic, I was separated in my marriage, after my now ex husband left me and our XXXX children making it impossible for to maintain monthly auto loan payments. In XX/XX/year>, I filed XXXX XXXX bankruptcy as I felt I was drowning in joint marital debts. I am diligently trying to purchase a home for myself and XXXX children. This account has lowered my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

Email Address XXXX is not mine and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing a 64 point notice on my Equifax report, I attempted to contact Equifax for an explanation. After being sent in automated circles, then cut off from a live person by an automated survey, I was finally able to talk to a live person. However, this person could not explain the 64 point drop to me, and only gave me vague possibilities, which I easily deflected by facts in my credit history. This Equifax representative told me that no one at Equifax could explain the reason behind my credit score, and that it was not possible to make an in person appointment to have my score explained to me. Over the last two weeks, there have been three senseless changes to my Equifax credit score : A decrease of 56 points on XXXX/XXXX/2020, an increase of 56 points on XXXX/XXXX/2020, and a decrease of 64 points on XX/XX/2020. There have been no drastic changes in my managing of my finances, and no justification for these changes, especially the most recent change. Equifax has been extremely unhelpful, and in my opinion is deliberately manipulating my credit file. I need this to be addressed.
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  XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Our loan was sold to Freedom Mortgage and at the time of the sale we noticed a {$700.00} increase in our payment. It went from approximately {$1100.00} to {$1800.00} a month. We immediately called when our payment was due to have the issue resolved and discovered that they added an insurance policy for flood that was already being covered by our condo association. We contacted our association and gave them all the information they needed to correct the issue. Next and to make matters WAY worse, they re-evaluated our escrow and submitted a tax code that included the taxes for the ENTIRE building not just our unit. Our new tax bill was {$53000.00} a year on a condo we paid under {$200000.00} for. This equals {$4000.00} a month. We immediately gave them the correct tax code and have been contacting them 2x per week for the past 10 weeks trying to get this taken care of and everytime we call we get a new person and a promise to have a manager call us back. After 10 weeks a manager has NEVER called us back. They are urging us to make the payment as is with all the extra charges or get a forbearance. We are able to pay what we are supposed to but refuse to pay for two insurance policies ( we have always paid through our association ) and the taxes -- I don't even know where to begin with this issue. We are now in default and I am worried about foreclosure, it is 2 am I haven't slept in over a week and need this issue resolved. I am so desperate I am actually considering selling the condo we love to get out from this nightmare. I am able to pay the correct amount for our mortgage and ready to pay for the 3 missed payments today! I need this issue resolved ASAP. Please help! Our credit is ruined and that also needs to be fixed.
Product: Credit card

On XXXX XXXX I started getting emails from CapitalOne regarding someone else 's credit cards. On that day it was thanking the individual ( later identified as XXXX XXXX XXXX ) for updating his/her email address. The address that was entered was my business address. Since then, I have continued to get 16 additional emails despite my reporting the problem twice by telephone, and by returning EVERY email to " XXXXXXXXXXXX '' -- including sometimes actually explaining why I was sending it back. Some days I tried to send it back as much as 9 times just to see if I could get someone to pay attention. Despite all my efforts, I am still getting these financial emails for SOMEONE ELSE! I am being informed what the balance is on XXXX of the XXXX credit cards. I am informed when a payment is scheduled. I am informed when one is due. He/She must be pretty upset that they are n't receiving their email notifications. I know that technically, I could ask to reset my ( XXXX 's ) password, and then look up this person 's address and then contact them to explain what 's happening, however, I do not want to get in trouble for a situation I did n't create. In fact, I have gone over and above what most people would have done in trying to make sure that CapitalOne contacts XXXX XXXX XXXX and has him/her update their email address to their REAL email address.
Product: Mortgage

During XX/XX/XXXX, requested COVID help and applied to Mr. Cooper for a loan modification. Also, asked Mr. Cooper mortgage rep to remove unauthorized ESQ XXXX XXXX XXXX XXXX name from my mortgage statements. In which XXXX without my consent added his name & address to my mortgage statements from XXXX until PRESENT. 
On many many occasions I have asked XXXX XXXX to update fo my home address MD. After XXXX stop accepting my calls asked Mr. Cooper rep to 3-way in which in the phone call said he no longer represent me. So far, a stall & no modification yet
Product: Credit reporting or other personal consumer reports

I am writing to dispute the repeated appearance of XXXX XXXX on my credit report. I previously disputed this account on XXXX XXXX and it was removed following your investigation. However, this account has now reappeared on my credit report without proper notice or explanation. This action violates my rights under the FAIR CREDIT REPORTING ACT ( FCRA ), which requires credit reporting agencies to ensure that information on credit reports is accurate and verifiable. Additionally, accounts that have already been investigated and removed should not be reinserted unless the furnisher of the information provides new, verified evidence of accuracy. If this has occurred, I request a full explanation and documentation supporting the reinsertion. I am formally requesting an immediate re-investigation of this account, removal of this account if verification can not be provided and a detailed explanation of why this account was reinserted. Please find attached copies of my previous dispute correspondence, the original confirmation of removal and other supporting documents for your reference. I request that this matter be resolved within 30 days, as stipulated by law. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Lease with Honda financial Services was up on XX/XX/XXXX. I was negotiating a new lease/purchase with the local Honda dealer and told HFS that. They said they noted it and then I began getting XXXX : XXXX calls from " HFS '' which immediately asked for personal information i.e. DOB, Last four digits of SSN. Fearing a scam, I refused to give the info. Not being able to speak with me, they did not send me an invoice and instead reported me to the credit bureau as being delinquent, I have spent 2 and 1/2 hours on the phone today trying to resolve this ; I have paid the amounts that they said were due ( even though they did not send invoices ) and they refuse to correct the matter with the credit bureaus. 

By the way, I have never missed, or been late on any invoice I have received for 4 leased cars : 2 from Honda!
Product: Checking or savings account

since XXXX until XXXX they have been taking fees from my card everytime i use the atm even though its my bank
Product: Debt collection

Paramount Recovery has reported to XXXX a negative collection account and want it removed immediately. This is not me and never been to XXXX XXXX XXXX.. This collection has damaged my score and is not even me please remove ASAP thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries on XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized and Inquiries on Equifax 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
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 of my credit reports are reporting the same account containing a lot of inaccuracies. The account I am referring to is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Account XXXX This account is reporting inaccurate late payments and I have been going back and forth trying to correct the information. If the information can not be corrected, the account has to be removed off of all 3 of my credit reports because it is reporting inaccurate information and violating the FCRA. 
All 3 Credit Bureaus are reporting that I was 30 days late in XX/XX/XXXX, then you reported again that I was 30 days late in XX/XX/XXXX. They then reported that I was 60 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. How is this so? I can not be 30 days late for two consecutive months back-to-back, then 60 days late the month right after the previous two months, and then 60 days late again the following month. It is impossible. This is a serious error in your reporting. 
I have written multiply letters dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth.
Product: Credit card

i was in XXXX my card was stolen and used i sent proof and disputed the full balance and they only credit a little amount not the whole balance i keep calling and getting the running around and am sick and tired of it
Product: Mortgage

XX/XX/2018 Lender XXXX XXXX Loan Officer XXXX XXXX NMLS # XXXX did not disclose the charging of 1 % of Loan Amount ( Points ) prior to settlement of loan closing. He failed to disclose the rate 3.875 % was based on the paying of said point ( {$13000.00} ). We questioned XXXX XXXX about the paying of point, he replied " this was standard, and it was to late in the loan process to change. '' XXXX XXXX never mentioned the applying of point to obtain the loan rate of 3.875 %, nor did he offer to withdraw it when ask after we realized what he had done.
Product: Credit card or prepaid card

on XX/XX/2023 at approximately XXXX I received an email on a credit card application from bank of America that I did not apply for. I noticed the email at around XXXX in the morning XX/XX/XXXX and called bank of America . After speaking with the fraud department they asked if there was a reference number, to which I gave them. They concluded that in fact a credit card application was received. I explained that i never applied for the card and i was told it would be placed as fraud and that it would not effect my credit score because they would communicate it to the 3 major credit card bureau 's. then on XX/XX/XXXX at XXXX XXXX I received a text on my phone stating that the card was actually approved and would arrive within 14 days. I quickly called the bank again and they forwarded me to the fraud department yet again to cancel this card from being processed and sent out. the person I spoke too from the fraud depart informed me that the person who applied for the card had used my social security number and date of birth. I was told yet again that the card would in fact be canceled. at this point i have not received any notification in writing or in email that this card was cancelled. i have never authorized anyone to apply for me or issue a card in my name. I also Proceeded with a police report and I am currently in the process of freezing my credit with the 3 major bureaus.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with recent findings by CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

They took it upon themselves to contact my elderly parents and stressing them out ... my father is I'll and had a XXXX and does not need any added stress ... I am XXXX and havent lived with them for 20yrs. I live across the country from them. I am curious as to how the even got their number. Calling multiple times a day. When I called about it a supervisor told me " they have their ways of getting in contact with people ''
Product: Checking or savings account

WE NEED YOUR HELP! 
In late XXXX XXXX we were victims of a fraud. Our check for {$3700.00} mailed to XXXX XXXX was stolen and cashed by a third party through Bank Of America. 

Since XX/XX/XXXX, We have been trying to get that sum reimbursed. 
XXXX XXXX Bank states that they are not responsible but they are investigating the matter with the Bank of first deposit XXXX Bank Of America. 

At the beginning in XXXX XXXX, the case was going to be resolved in 120 days, as of today 200 days above the 120 days no resolution is in site. 
Bank of America when asked information about case XXXX they replay that they are still investigating the matter. 
The canceled check, the statements of XXXX XXXX Bank, the investigation by the District Attorney 's office of NY, are proof that a fraud was committed. Both institutions are responsible : XXXX XXXXXXXX XXXX and Bank Of America because they released the funds! 
CAN YOU HELP US PLEASE? 
It feels like we have been given the run around because we are senior citizens... 
We are more that willing to appear in person and provide all the files including copy of the canceled check and correspondence from XXXX XXXX If you need more information please do not hesitate to contact us.