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

Corelogic/Credco has false and untrue information on my credit report which I had advised the 3 credit reporting agencies and Fico, months ago, was false and untrue. 
I was denied credit because Corelogic has a foreclosure, by XXXX XXXX XXXX   listed, which never happened. I have a Federal Court ruling stating that the XXXX foreclosure was false and untrue. I have sent a copy of this court ruling to XXXX, XXXX, and XXXX. It appears that that hey did not remove this false foreclosure from my credit history. 
If you will go online, and type in " All XXXX foreclosure are fraudulent and scams '', you will find that it is true, and that there are countless class action lawsuits against XXXX, one with 82,000 class members.
Product: Money transfer, virtual currency, or money service

The money exchange company, WORLD REMIT are a big fraud in the industry! Ill surely report them to XXXX, CFTC and also expose them by posting a blog on XXXX and XXXX about how they mislead and fraudulently charge their innocent customers hidden fees without having a proper disclosure or prior notification!! I did a money transfer through them on XX/XX/2019 from USD to NPR for {$200.00}. I was basically trapped because of the low exchange fee offered by them i.e {$2.00}, but up on completion of transaction I was basically charged {$13.00} in total!! While processing transaction through their App, When I chose payment by CC, nowhere on their app it indicated or shown that the transaction will be treated as a bank wire transfer or cash advance neither it prompted me that there will be additional {$10.00} fee imposed by my CC company, just because they ran the transfer as bank wire transfer/cash advance and not that CC company was aware of it!!! I was happy that I paid a low currency exchange fee for transfer of funds and they ripped me off by processing it as wire transfer and not showing any additional fee at the time. It still kept showing a fee of {$2.00} till the end of the transaction. The funds transfer was actually a donation to build up the church and I was ripped off by these guys!! Its morally, ethically and legally a fraud to charge fee, post transaction, days after it was processed, by my CC in the statement. I was quite upset!! Ethically, they should have refunded the additional fee when I contacted back to resolve the issue but their Rep easily shrugged of their shoulders and put the blame on CC company, In fact, it was actually not their ( CC Comp ) fault!! It was the responsibility of World Remit to be transparent and show the total fee in advance or prior to the transaction as all other money transfer sites, XXXX, XXXX XXXX, and XXXX do and are obligated by the government policy but they failed to do so!! SHAME ON THEM!! 
XXXX XXXX XXXX
Product: Checking or savings account

Two deposits should've hit my Capital One account yesterday Tuesday XX/XX/year> and the company as not announced a nation wide outrage for all their deposits.
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. 

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: Checking or savings account

On Sunday XX/XX/2021, I had a fraudulent, unauthorized transaction of {$490.00} appear on my bank statement. The charge was from a sports betting website called XXXX based in XXXX XXXX, CA. I have never heard of this site in my entire life as I do not gamble. I went out of town the weekend of XX/XX/XXXX to the XXXX, and the only time I used my debit card was at a gas station in XXXX. The address of the XXXX was XXXX XXXX XXXX in XXXX, CA. I noticed the charge at XXXX a couple of hours later after leaving the XXXX. After noticing the charge, I immediately locked my debit card and tried contacting the " 24 hour customer service '' line at Bank of America. They did not answers after 30 minutes of waiting, so I went to Bank of America the next day. On XX/XX/XXXX, an email was sent to me at XXXX that my debit card was trying to be used in XXXX XXXX , Missouri . Luckily, I had locked my debit card the previous day. I filed my first fraud claim with Bank of America on XX/XX/XXXX and received a {$490.00} credit to my account on XX/XX/XXXX. My claim was denied on XX/XX/2021 claiming that the charge was authorized by me or someone who has the permission to use the card of account. However, I did not authorize this charge and no one else has access to my card or account. On XX/XX/XXXX, I had a meeting with a bank teller to reopen the claim and to provide the evidence that someone tried using my card after I locked it. On XX/XX/XXXX, my claim was denied again because Bank fo America said I or someone I know authorized the {$490.00} charge. Bank of America withdrew the {$490.00} credit from my account, and my issue still has not been resolved.
Product: Credit reporting or other personal consumer reports

XXXX ran credit inquiries using my personal information. Someone stole my information to purchase a XXXX XXXX XXXX XXXX XXXX XXXX California. 

I sent the following letters to XXXX and XXXX  XXXX : Please remove capital one 's inquiry from all credit bureaus. I never authorized these inquiries nor did I apply or any loans. 

full name : XXXX XXXX full ssn : XXXX Date of latest inquiry : XX/XX/XXXX Phone number : XXXX Application ID : XXXX XXXX Spoke with XXXX XXXX from XXXX XXXX She forwarded me to the Sale Manager in XXXX in XXXX XXXX, CA XXXX XXXX salesperson at XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX told me to call XXXX XXXX XXXX XXXX XXXX said his manager will call me back within XXXX hours It has been over a week and there has been no action taken to stop the inquiries on my credit report. I just received report of inquiries on XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
Product: Credit card or prepaid card

XXXX XXXX AND Goldman Sachs Marcus just completed a transfer of the XXXX XXXX ( Credit Card ) and the servicing has been horrendous. 

First - notifications of change in servicing was late ( letter received XX/XX/XXXX for a XX/XX/XXXX change in card ownership/servicing ) providing NO ability to serve the card at XXXX  XXXX OR GS Marcus either online or through their customer service lines. 

Second - GS online servicing is a poor excuse for a servicing capability and is significantly worse than XXXX XXXX. When trying to view authorized users to see if one of my kids is still on the account as an auth user after they got a notification from XXXX XXXX about them being a new authorized user ( incorrect... they had always been an authorized user on our XXXX XXXX ) ; the GS Marcus website stops responding - this occurred. When attempting to call- they're still over 30 days after transfer - providing a message of significant delays in servicing because of call volume. To boot, there appears to be no way to download transactions. 

Third - I believe their marketing material is misleading to the point of UDAAP violations given the lack of transparency that they have significantly reduced servicing capabilities in comparison to XXXX XXXX. 

Goldman Sachs is all sizzle and no steak and it appears to be all about the money. If you're not watching what they're doing here - you should. 

While I wanted to maintain a relationship with XXXX XXXX and the XXXX XXXX- the inability for me to conduct basic servicing capabilities has me removing the card from my wallet. 

Taking this card out of rotation is a choice I feel I'm being forced into making on a card I opened back in XXXX ; so this isn't only extremely inconvenient, but I'm having to do it with one of my oldest cards which may have detrimental impacts on my credit score. 

Others finding themselves in the same situation may not have the flexibility or privilege of multiple cards to swap in like I do.
Product: Credit card

I received notice of suit on an account that I had. The balance is XXXX. I do not have this money. I can not afford an attorney or any type of garnishment to my wages. I am the sole provider for my son and garnishing my wages is only taking food out of his mouth and depleting funds for his necessities. I did go into this contract with good intentions and I never had such a bad payment history on accounts as I do now. My income has decrease by 10 % and expenses have increase by 40 %. I just do n't have the money that I would like pay. 
*Please allow a settlement of 30 % of this balance to be paid within 4 to 6 months. I can begin payment XXXX XXXX. 
*Please drop the suit currently in process. 
I apologize for being such a bad customer. I never wanted this to happen. I am in my current financial circumstance due to my attempt to band aid lack of funds with credit.
Product: Credit reporting or other personal consumer reports

On or about XXXX - XXXX XX/XX/year> I contacted Experian to dispute some personal information on my credit profile. The first representative " XXXX '' told me that certain information was not able to be disputed because it was being reported by a creditor. After a brief moment of arguing with the representative, I requested a supervisor. I was then transferred to a supervisor, who was then able to help remove some of the personal " inaccurate '' information on my credit profile that the representative stated he was not able to do. Once that was completed, I asked the supervisor that I had filed some disputes via CFPB a month or XXXXwo aga ( was actually back on XXXX ) and that investigation was completed, verified and updated, but that I had not received the investigation report and requested that I receive a copy. The supervisor stated that they did not have a report for the investigation and told me that it was not their " experian 's '' job to launch an investigation on a dispute and that I needed to contact my creditors to correct any issues. I tried to explain to her that if an item is in dispute by the consumer reporting agency that they shall investigate the accuracy and completeness of the information being reported to the profile. She still stated that it was not the case and continue to state that I had to contact the creditor to correct the issues. 

FCRA 15 USC -1681-623 ( b ) ( 1 ) states : After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

Both, representative and supervisor for EXPERIAN, has provided knowing false information regarding the guidelines of the FCRA standards and has prevented my rights to consumer protection. It was also stated that the phone conversation was being recorded.
Product: Student loan

I borrowed {$9400.00} from Sallie Mae in XX/XX/XXXX to finish my education. From the loan disbursement date to the start of repayment, XX/XX/XXXX, I was charged capitalized interest totalling {$1500.00}. Those charges are incorrect as I was in my grace period before payments began. 
Capitalized interest is only charged when the interest was not being paid on the loan as you know. Moving forward in my account history, you can see I have been charged this interest multiple times in a total of {$9700.00}. Those charges are well over the amount I had borrowed. 
In total, my account was charged {$11000.00} for capitalized interest. The interest was paid monthly so these charges are inaccurate and I am requesting Navient correct their errors and have them removed immediately. 
Over a year ago, I contacted customer support over this matter and the representative reported there was nothing I could do about it except pay the loan off. Indeed, this information is incorrect. According to the XXXX XXXX XXXX XXXX, to comply with consumer protection laws of the Fair Credit Reporting Act I must have clear and accurate documentation regarding these charges. 
This includes the loan being modified in a favorable position to the borrower, delaying loss recognition resulting in inaccurate loan valuations. Neither of these rulings have applied to my case. It is simply illegal to make these false charges onto my loan. 
A loan I have been paying on for over a decade in the original amount of {$9400.00} with an interest rate of 7 % is well paid off and settled. 
The next inaccuracy I would like to bring to your attention is the late charges I was randomly charged. My loan is settled and needs to be closed out as I have paid it off. On XX/XX/XXXX, a disbursement was made of {$24000.00} without my consent. Then on XX/XX/XXXX I was charged a resale of {$10000.00} which is also not accurate.
Product: Debt collection

XXXX XXXX is reporting on all three of my credit files and the information on each report XXXX has a different amount owed, account number and also a different open date. I have reached out to the company asking for proof of this account and they will not respond with proof that thy have took the steps to complete this item and verify its accuracy.
Product: Credit reporting or other personal consumer reports

my personal information was stolen and my id was used to get loans and credit. I filed a police report and sent the paperwork to the credit reporting agencies per the FCRA. I disputed these accounts. Nothing has been done and I have not gotten copies of the verification process XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX, XXXX ; Application submitted to PNC Bank for a {$200000.00} Home Equity Line of Credit. Bank instructed that should there be any doubt as to approval that the application should be withdrawn and be reported simply as an Inquiry to any Credit Reporting Agency. PNC agreed to those terms. 

PNC requested 2 years of income tax returns. I submitted the latest 2 returns that had been filed with the IRS ( XXXX & XXXX ). The year XXXX had not, as yet, been filed but was available as soon as it would be filed ( in XXXX, XXXX ). 

Against our agreement, PNC declined my application ( see attached PNC letter of XXXX/XXXX/XXXX ). I immediately responded by my attached letter of XXXX/XXXX/XXXX, which is self-explanatory. 

After 6 months of telephone calls and written correspondence that failed to be responsive to my letter, I received a telephone call from a Retail Escalation Manager to advise me that PNC 's report to Credit Reporting Agencies could not be changed to reflect a simply Inquiry and that the file was Closed for re-consideration and could not be re-opened because too much time had elapsed. 

My Credit Rating of XXXX, and the fact that the amount of elapsed time was due to PNC 's failure to respond timely to my letter of XXXX/XXXX/XXXX did not sway the Retail Escalation Manager. For the record, please note that my XXXX/XXXX/XXXX letter clearly alerted PNC of " Time being of the essence '' in my demand for their response. 

PNC 's inflexible posture is unconscionable and not in good faith. Their suggestion that I submit a new application is not acceptable to me because of the way that PNC botched their dealing with me.
Product: Debt collection

I reached out to Financial Data Services requesting why they are reporting on my credit report, details of debt, and deletion several times. This company surprisingly showed up on my credit report as a Collections Account yet NEVER mailed or emailed me a bill. This is a direct violation of the NO SURPRISE Act and I am demanding an IMMEDIATE deletion. Not only is this a violation of the NO SURPRISE Act but also a violation of the Privacy Act 15 U.S. Code 1681 602 ( a ) ( 4 ), I did NOT consent to Financial Data Services to report to my account 15 U.S. Code 1681s 604 ( a ) ( 2 ), or access details to any medical records as a violation of HIPPA laws. Account Numbers are as followed : XXXX {$610.00} XXXX {$360.00} XXXX {$370.00} XXXX {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX I have requested validation regarding debt owed to Portfolio Recovery multiple times. The last time was in XXXX. Instead, the company has been sending information they obtained from XXXX  XXXX with no signature showing that I agreed to pay Portfolio Recovery the alleged debt. I have request copies of documents ( not old XXXX  XXXX bills XXXX with my signature to serve as verification of the said debt owed. Under the FDCPA, I have the right to request a copy of contractually obligation, with my signature agreeing to pay this said debt. Additionally, the statute of limitation in the state of SC for credit card debt collections is 3 years and a copy of the notification sent to me from Portfolio Recovery ( after requesting validation-a bill, not validation/verification with my signature agreeing to pay them ) is dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and XXXX  XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy.

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : XXXX states a consumer reporting agency car furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for a purpose.
Product: Checking or savings account

I received an email on XX/XX/2021 from Toronto Dominion Bank announcing my new checking and saving accounts which I did not open and have never heard TD Bank before yesterday. I called and the staff at TD Bank were quite helpful. XXXX at XXXX verified that indeed an account had been opened using my XXXX XXXX number and my address from when I lived in XXXX FL. I sent the letters, including the FTC XXXX Indentity Theft report and the letter to furnishers, all requiring Toronto Dominion Bank to respond with information about these fraudulent accounts they allowed to be set up in my name using my personal information including social security number. This bank has not responded to my letters and I can not even file a police report because I do not have enough information to do so. I require this information. I am not even sure what city this took place in. The lack of information is hampering everything.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a simple Mortgage loan, principal and interest only.The issue I have has been going on for years with Compass Bank. Every month when I take my mortgage payment into the bank, they process it incorrectly. I always pay extra principal as I indicate on the coupon ( coupon filled out correctly ). The following month I will receive that months coupon, and the amount due is lower the amount I paid extra the previous month. Sometimes they just keep adding up the extra principal amount and never apply it and then will deduct it later from a payment. One month I had no payment ( I paid anyway ). They never apply my extra principal amount to the principal, they apply it towards a future payment as they choose. I have gotten a payment history twice ( both different ) and had my CPA due the math to prove Compass Bank is ripping me off in the thousands of dollars so far. I have lots of paper work to back up my claim. I have tried to work with the bank and they claim no wrong doing. Because of the contract papers I am not allowed to use an attorney in my defense. I assume Compass Bank is ripping off thousands of people with no worries and no body can touch them. Just not right.