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

They have been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. Which is against the law according to the congressional findings 15 USC 1681 ( b ) ( XXXX ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( XXXX ), congress made it clear that they have assumed this role. 
Also under 15 USC 1681 ( a ) ( XXXX ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Student loan

Without my express written or verbal consent XXXX XXXX XXXX  altered the name listed on my account. The name on the account is incorrect. They subsequently sold the account to Discover Financial Services. This account contained the wrong information, leading to the wrong information on my account.
Product: Mortgage

This is a copy of an email sent to XXXX XXXX of US Bank regarding payment inaccuracies form US Bank. There is no details of what makes up a payment, for interest and principle. Late fees are added in random and reversed. You can see that a payment was made and late fees are added. I am concerned about loan fraud, excessives fees applied and not sure if anyone knows if one can be overcharge for this loan. A audit of the US Bank may be in order. 
Hi XXXX, I wanted to give you an update on this matter. I received a call from US Bank Operations yesterday, I believe XXXX was her name. She called me to information that my XX/XX/XXXX payment will be {$120.00} since this was quoted to me in writing. She was also going to work on the late fees and getting me details at the branch so I can see the information. This was reassuring. 

However, today I went to make a payment was told that the amount due for XX/XX/XXXX is {$240.00}. No information was shared with the branch office of US Bank. I was told that paying less will result in late fees being assessed. Again this is a mess as information is not shared nor updated. I asked XXXX XXXX and he is powerless as he did not know. He also said that he is out of the picture on this issue. Hmmmmm. where can I get help if the branch office is out of the picture. 

I have attached the receipt, screen shots of XXXX 's computer to show that he is not able to share details of makes up the payment and account history. I only included the recent months. As you see, there are the late fees and payments made. Please note that there is a {$25.00} service fee applied and then a reversal. Why is that? 

XXXX, this is very concerning for me who is not sure what is owed. It also speaks loud of possible payment inaccuracies, random late fees being applied as payments have been make and really does anyone know if the system is accurate. I will be filing a CFPB complaint so they can see what is going on and get this addressed. Please help!! 

Kind Regards, XXXX
Product: Payday loan, title loan, or personal loan

I worked there for over 5 years. They made us put the insurances on every loan we booked. It made me feel uncomfortable and I felt we were deceiving the customers by not going over this before they came in. If the customers paid attention and complained we would remove them and rebook the loan. That isn't the point. They already charge 25 % interest. Don't they make enough off of that?? That is all I ever heard was how much money they made off the " extras. ''
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, numerous fraudulent inquiries have occurred. These inquiries were NOT made by me. In two instance involving Macy's/Citibank , they even withdrew from my XXXX  XXXX bank account without my permission. Their records even indicated an address and phone number change, which were not mine, yet they concluded their investigation, stating that I was responsible. After informing them, in XX/XX/XXXX, that I would be taking legal action in XXXX of XXXX, they suddenly adjusted my account which is now showing a {$350.00} credit. However, they've yet to make any statements via phone or in writing, that they are accepting responsibility. Below, you will see the false inquiries listed, including the fraudulent event : XX/XX/XXXX - Macys/Citibank - XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiry XX/XX/XXXX - XXXX XXXX - Fraudulent Inquiry XX/XX/XXXXXXXX XXXX XXXX  - Fraudulent Inquiry XX/XX/XXXX XXXX XXXX - Fraudulent Inquiry XX/XX/XXXX XXXX XXXX XXXX - Fraudulent Inquiry -- -- -- -- -- -- XXXX -- -- XX/XX/XXXX - Macy 's attempted to withdraw {$1800.00} from my personal XXXX XXXX account, without my permission or knowledge and failed to do so due to insufficient funds. 

XX/XX/XXXX- Macy 's withdrew {$1200.00} from my personal XXXX XXXX account, without my permission or knowledge. I disputed as soon as I had found out AND alerted Macys/Citibank/and XXXX  XXXX of the fraud and told them not to allow any payment of this nature to occur now or in the future. 

All parties made notes to the account regarding the fraud occurrence, and to not allow this to occur again. It was not characteristic of me to pay Macys/Citibank in that manner. 
Despite my efforts and the supposed notes made on both accounts, they allowed the second fraud occurrence. 

XX/XX/XXXX Macy 's Reversed the {$1200.00} payment ( eventually adding the entire amount to my balance ) XX/XX/XXXX Macy 's retried the {$1800.00} withdrawal, without my permission or knowledge, and was successful. I was forced to call all parties yet again, regarding their failures to protect my accounts. 

XX/XX/XXXX Macy 's reversed the {$1800.00} withdrawal, and added the fraudulent activities to my account. 

These issues also caused financial loss in the form of a bounced check and late payment to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my credit report was pulled without my consent as an attempt to open an account under Bank of America. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Bank of America On more than one occasion they could not assist with resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/ I have been trying to access my Equifax report. Ive been using the online login for years. I logged in one day and it said I was deceased. I called and they kept giving me a hard time. I asked to speak to a supervisor and they leave me on hold for hours. They play this game like I cant hear you have to call back. Then my report changed from deceased to unable to access due to a technical error with a code to give to their agent. I call and no one is helping the situation. I verified my identity twice through a link that an agent sent to my phone. Ive been having this issue ever since I was apart of the Equifax data breach settlement. Like this is retaliation. They have turned my life upside down. I cant get my identity verified and my report unlock to have Landlords, and other places access to it. Im on the verge of eviction because they cant verify me. As I type this message Im still on hold with Equifax. They are making my life so hard. Im on the verge of homelessness all because of their data preach. They are the ones whove put my personal information at risk and now no one, not even myself, can get access to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On behalf of my son, a XXXX, his student checking account was debited by TD Bank for {$440.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe TD Bank has inappropriately applied overdraft fees on his account in excessive amounts. Can you please investigate this matter? 
Thank you.
Product: Debt collection

I have this debt collection on my credit report for a long time. At the beginning I did n't pay attention to it because I knew I did n't owed it. They have contacted me letting me know that I did n't return a router to XXXX that I was supposed to when I close my account. I moved from New York back in 2012 and I personally returned the router to their office in XXXX XXXX in XXXX. I had previously contacted XXXX and let them know about me moving ; they told me all I had to do was to return the router, and pay any balance in full, I did so. Right now I decided that it was time for us to buy a house, but I have this negative and false report that is affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XX/XX/year> - XXXX recently spoke with this company regarding a collections debt that is on all three of my credit reports. The creditor is XXXX. Ive requested on multiple occasions from this collector a debt validation letter and theyve refused to provide me with what Ive requested. Each time Ive requested the debt validation letter, they share that they can only provide a receipt of the total amount ( last bill ) from the company. I shared with the collections team that I needed to review a contract of some sort to confirm that it was me that had the debt and each time, I am denied or not provided a follow up of my request. Their only attempt is to collect on the account. They advised that it should be me that should contact XXXX regarding what Ive requested XXXX
Product: Checking or savings account

Wells Fargo always submitted my online bill pay before the date I requested causing overdraft fees and late charges to the companies I was suppose to pay.
Product: Credit card

I already filed this complaint but it does not show here My father had an Amerprise Visa card but passed away years ago. I was put on the card prior to that as an authorized user. Several years ago we called to cancel the card and were told it was closed. Recently I found out, they never closed it and have continued to charge him a {$150.00} annualfee. every time I called, I got the run around with them telling me i needed to put this dead person on the phone to close the account. I recently a recent bill showing they have taken over {$500.00} from the balance on this card. Today I received a letter from them where they acknowledge they know that XXXX XXXX is deceased. They are well aware I am an authorized user on this account. They are playing games in order to continue to charge the membership fee. Please find this company, and see to it that they close this account and refund all the money they have stolen from it.
Product: Debt collection

XX/XX/XXXX Credit Corp Solutions Inc located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX. Internal reference number DT XXXX. 

Contacted me via letter to inform me of a XXXX XXXX XXXX debt. 
Account:XXXX previously known as XXXX Opened on or around XX/XX/XXXX. 
Last Payment XX/XX/XXXX. 
Charged off XX/XX/XXXX, and been transferred to them from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 

I contacted them via telephone to inquire about a collection account on my credit report for this XXXXXXXX XXXX XXXX I had never requested or applied for. Upon speaking with the representative I learned the address used to apply for this credit card was one I had occupied in XXXX. I have lived in XXXX since XX/XX/XXXX. 

The only help offered by them was to send me a XXXX XXXX  Fraud Investigation Form. I filled it out and submitted it back to them. I also filed a police report for ID theft with my local police department and submitted the name of the detective and gave my permission for them to communicate with the detective about my credit. 

Their " investigation '' consisted of a form letter with the same information I received in their initial correspondence informing me of the debt owed. 

I then disputed the debt owed and requested copies of proof I owed the debt, a copy of the original contract I signed with XXXX XXXX. I also requested that they remove this invalidated debt from my credit report. 

They never responded to any of my letters but they did remove the item from my credit report. 

The complaint is now they have knowingly transferred ( sold ) or hired another credit collection company that has been disputed and removed from my credit report. 
The company is XXXX XXXX PA, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I will submit copies of the letters sent to Credit Corp Inc as well as the tracking numbers for all correspondence I had with them in XXXX.
Product: Payday loan, title loan, or personal loan

company send a Texas judicial branch certification commission certified process server to my home with threats that I will be sued for all my belonging such as personal property, vehicles and that the judge will rule against me for been such a big amount of money so I can pay-off the amount in question.
Product: Debt collection

Tried to contact the company and speak with the representative, which she ( XXXX XXXX had a very XXXX attitude. I was then told that the debt was validated and it was sent to an address that I have never stayed at. The companies that placed this on my credit report have never spoken with me until today. I tried to get a copy of all letters sent to an address which I don't stay at and I got copies of the letters without my name on it. When I tried to tell her that I don ' t reside there I was told it didn't matter it didn't get returned so therefore the debt was valid.
Product: Credit reporting or other personal consumer reports

Please delete XXXX XX/XX/XXXX XXXX XX/XX/XXXX inquires. No knowledge. Not authorized
Product: Checking or savings account

When my account go into overdraft I get charged a {$36.00} overdraft fee and some time I'm charged {$36.00} twice if my deposit doesn't go in within a certain amount of days. I have had several fraudulent activities on my account and I reported it and was never given credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed a live agent a copy of my cease and desist letter, the agent confirmed the email was received and I should be contacted within XXXX days ( XXXX ) from an agent from the billing department. I was never contacted, rather late payments were reported to my Transunion and XXXX consumer reports. I am not sure as to why these payments were reported late or even reported to my consumer report at all when the representative stated that the company does not report to credit bureaus. Further, the company continues to contact me even after receiving my cease and desist letter.
Product: Mortgage

I am very frustrated with mr copper/nation star. This is the second situation where they have provided me with the incorrect monthly mortgage amount and as a result my escrow account has become short and I am stuck dealing with the consequences. I have called Mr.Cooper numerous to resolve this matter and they have yet to come up with a solution or take fault. As of result of their mistake my monthly mortgage payment has increased by 200+. This is an unexpected bill and I really think this very unfair that I have to deal with this. Please advise what can be done to resolve this matter.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account. I never opened a credit card account. I have no credit cards to this day. I have filed Identify theft Reference # XXXX I also called the company today and they said it looks like my dispute was denied because their isnt evidence all i have is that its not mine. I dont even know the full account number only what i see on my XXXX credit report.
Product: Checking or savings account

I was a customer at Wells Fargo for a while and I had a checking and savings account with them and I asked for my accounts not to be linked nor to move funds from my savings to my checking if the checking account is low on funds or empty but the keep allowing this to happen which but me in the negative with both accounts. I was I was left with a lot of overdraft fees which caused my account to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to reinsert a deleted credit report " XXXX XXXX XXXX XXXX '' the company is trying to reinsert it with my consent and sent the report several times to transunion with reinsertion form, but transunion is not reinserting it, they are miss handling and not working according to the law. I have profe that they are recving it but they keep on saying the didn't recive it, pls see attachments.I have wasted lots of money and time sending faxs, mails, but the company keeps on ignoring and miss handling my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 USC 1681 e ( b ) Accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure then maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of the information from the file of the consumer, or modify that the item of information, as appropriate based on the results of the reinvestigation, an ( ii ) promptly notify the furnisher of that information that has been deleted or modified from the file of the consumer.

Please remove the following items from my report.
Product: Money transfer, virtual currency, or money service

Zelle had no warnings and money sent to wrong person I out XXXX XXXX XXXX and they offer XXXX help
Product: Debt collection

On XX/XX/2022, My last attempt to resolve this issue I requested XXXX, please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile. Since i have not received documentation from XXXX files to verify the accuracy of these disputed accounts please delete them immediately as required under Section 611 ( a ) ( XXXX ) ( A ) ( i ). 

Account are as follow : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

I sent a settlment offer as payment in full certifed mail with return receipt and someone from their office sign for it. I havent receive any contact from this company in over 30 days.
Product: Credit reporting or other personal consumer reports

XXXX sold my account to a collection agency but it is still showing open on my credit report. 
Payments are being made to the agency as part of a settlement. 

XXXX has been settled but it's not updated on the credit report. 

XXXX is not derogatory. I have a clear title. 

I am working with XXXX XXXX formerly XXXX XXXX XXXX and have called them to ask for assistance in getting the XXXX and XXXX accounts corrected but have not been assisted.