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

FCRA VIOLATIONS NOT MINE XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2500.00} written off. 
XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00} Status Account charged off. {$420.00} written off. {$420.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6400.00} Status Account charged off. {$6400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$13000.00} XXXX Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Collection account. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2800.00} Status Collection account. {$2800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$470.00} XXXX XXXX account. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3300.00} XXXX XXXX account. {$3300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$310.00} XXXX XXXX account. $ WAS NEVER LATE XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$40000.00} Highest balance {$0.00} Terms 60 Months NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident XXXX XXXX complex XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX  XXXX Resident XXXX Multifamily XXXX XXXX XXXX XXXX, XXXX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family NOT MY NAME XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported past the statue of limitations with false information. It was sent by the company to XXXX XXXX where it was paid in full and agreed via letter from XXXX XXXX that it will be removed from my credit once paid.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account the 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 MI WRITTEN INSTRUCTIONS
Product: Payday loan, title loan, or personal loan

I applied for the loan online and was approved for XXXX. XXXX of this loan was to pay off one of my creditors and they sent that money to a creditor I don't even have. Now I've been dealing with trying to call and get all this situated on a XXXX loan that I'm still missing the XXXX but paying the full XXXX amount term and payments. Plus, I'm having to pay the original loan off that Upgrade was suppose to pay off because they sent the money to the wrong creditor. Now I'm being punished and told to be patient while the banks try to resolve the issue and get the funds back to their bank so they can reissue the funds back to me. It is going on almost a month now and I've been getting the run around about Upgrade waiting for the funds from another creditor being returned to their bank so they can return them to me. In this day and age, I find it unfathomable to get a credit back from a bank in 7-10 days NOT 30 and counting. I will NOT every be using this company again and will let others know of how inconvenient this whole process has been and the run around they will get also.
Product: Checking or savings account

On XX/XX/2023, I initiated a Transfer to pull {$500.00} into my Chase checking account.. As of this morning ( XXXX XXXX ) that transfer shows as Rejected. Account log shows Transfer # XXXX There was no notice and there is no reason or explanation shown.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$340.00} DEL-XXXX XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$440.00}
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 the right to privacy.

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

A collections from Caine & Weiner showed up on my credit report with a date report of XX/XX/2022 from XXXX XXXX. Age of account is 3 years and 8 months. I do not know what this is. Another collections with the same age date of 3 years and 8 months has already been disputed and submitted as fraud and identity theft. This collection form Caine & Weiner is due to fraud and identity theft. My credit has been frozen due to these identity thieves trying to use my information to open credit cards and financial accounts.
Product: Student loan

I contacted Mohela XX/XX/XXXX- waited on hold for over XXXX minutes. Spoke with employee XXXX who reported she was in training. I notified her I was requesting my recent recertification application be cancelled due to reading the information on the DOE website that recertification dates were not due for another year if they fall before XX/XX/XXXX. She " looked into the issue '' and came back to say she is seeing my recertification date is XX/XX/XXXX and " if things change I will receive a correspondence ''. I would like my payments to remain the same before recertifying until I am legally due to recertify ( XX/XX/XXXX ) per the DOE 's website. Thank you!
Product: Credit reporting or other personal consumer reports

There are XXXX unauthorized inquiries on my credit report from XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. This is unquestionably billing issue, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$1600.00}
Product: Debt collection

b'I was called by this company regarding a Medical Debt from a Collection Agency. \nLockhart, Morris &Montgo \nXXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXXn I have asked repeatedly the actual bill from this Hospital. I have had several payment plans with this XXXX XXXX XXXX XXXX ( easily verified ) I have had several issues with this Billing Department where they update their computer system and all payment plans are erased and to register again. Which I have done and can be verified. I have a plan now that was $ XXXX  and is now $ XXXX  auto debit set up. I would not ignore this bill. I had insurance at this time , I still have same insurance. Ive always paid co-payments , deductibles etc Ive asked for the insurance submission and ignored. \nThis Company has called my landlord and his wife and their XXXX  children. Imagine my embarrassment. They are harassing and failing to provide information. Ill gladly if verified this debt is accurate and add to my account balance , if I could just get confirmation the debt is valid. I dispute this. The Debtor cant talk to me to resolve because it was sold to this Debt Company whose tactics are despicable.'
Product: Debt collection

While reviewing my credit report, I noticed a collection account from XXXX that I was not familiar with. I was confused, as I have never signed any agreement or knowingly entered into any contract that would justify this debt. 

Upon contacting XXXX to request more information, they provided a copy of an agreement allegedly tied to XXXX XXXX XXXX. However, this agreement is signed entirely by someone named XXXX XXXX, which is not my name or alias. Every single signature and point of agreement on the document belongs to XXXX XXXX, not me. 

In addition, XXXX sent me an addendum listing my legal name, which I never signed, authorized, or agreed to. I believe this document was added after the fact in an attempt to wrongfully attach the debt to me, which I find deceptive and deeply concerning.
Product: Credit card

I was approved for a credit card with XXXX XXXX prime card somewhere in XXXX or XXXX of 2024 for the ammount of XXXX dollars. My credit card account was recently closed with no previous notification or a notification in writing. I noticed this closing on XX/XX/year> online when I was making the correspondent payment for the month. There has not been a credit score change on my end ; I have not been delinquent with any payments ever and the card has been in proper use. It is deeply concerning that no one in customer service can explain why this happened and that my exceptional credit score will be affected because of this action of the bank. If they did not want me as a customer than why approve me in the first place.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I moved from XXXX to XXXX XXXXXXXX. My funds were at Truist Bank which does not have branches in XXXX. When I tried to transfer funds from Truist to a XXXX XXXX XXXX XXXX in XXXX my transfer request was denied as the bank claimed I did not provide them with a XXXX address. I tried to do so at a branch in XXXX which the tellers would not do because there was no banker at the branch that day ( Sat, XX/XX/2024 ). Neither would the tellers accept my safe deposit keys. I explained I was leaving XXXX the next day, I called Truist customer service line and was told they could not assist me. I was on the phone the entire day. 
I have an on-line account and after reaching XXXX and setting up an XXXX XXXX XXXX account I attempted to transfer funds. My attempts were denied as Truist claimed I did not have a XXXX address and they could not change my address over the phone or on line as they could not verify it was me making the claims. They insisted I had to go to a branch and verify my identity. The nearest Truist branch is in XXXX  and almost 100 miles away. They can access my accounts using the information I provide over the phone why can't they change the address? I am a senior citizen and do not have the where with all to travel to XXXX. I need help to rectify these situations. 
The funds are mine and I should be able to transfer them. I do not want the safety deposit box keys, but am not going back to XXXX to turn them in. I am caught in a catch 22. I e-mail the CEO at Truist to complain about the behavior of the tellers at the XXXX branch when I tried to turn in my keys but have received no respose even after I ask for one.
Product: Credit reporting or other personal consumer reports

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Mortgage

According to Ocwen rep. XXXX ID # XXXX the application for a loan modification was denied on XX/XX/2018. When asked why the louan was declined she could not provide an explanation. We asked if the loan was in foreclosure and she replied no. However the borrower received a notice of default from the law firm of XXXX XXXX XXXX dated XX/XX/XXXX. We believe that Ocwen continues to violate provisions of the CFPB regulations regarding servicing by dual tracking and providing misinformation regarding borrowers status.
Product: Mortgage

PHH Mortgage issued a short sale approval letter XXXX, with an expiration date of XXXX. We submitted the final HUD for HUD approval to close and have not received final HUD approval. XXXX XXXX the real estate broker with XXXX XXXX called in and asked when can er expect to receive the HUD approval. PHH Mortgage said that the customer XXXX XXXX called in on XX/XX/XXXX and said that she doesn't want to do the short sale and that she wants to do a loan modification. XXXX XXXX called PHH Mortgage today XXXX and said she never called in to cancel the short sale. The title company met with the buyer and seller on XXXX to sign the final closing documents. The title company wired the funds to PHH and the {$3000.00} relocation assistance to the seller. The buyer now has possession of the home. XXXX XXXXortgage needs to issue final HUD for HUD approval so the title company can transfer the remaining funds and transfer the deed in the county.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX still has information of collection that was to be removed as requested by XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$59.00}. This derogatory info was not removed by both Equifax and XXXX as shown in my XXXX credit report, as it still exists in both Equifax and XXXX report as of XXXX XXXX, XXXX.
Product: Checking or savings account

The atm has not work for several years now. It doesnt count cash correctly and doesnt accept funds. If I have a low balance, it is impossible to deposited money into my account outside of banking hours either form a cash or check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX should be removed as they stated they did not pull my credit and was unable to pull my credit due to fraud alerts that prevented them from doing so. I informed them that it was being refected as being pulled but they denied this occurred, I had called each creditor to inform them of this and I have documented e-mails/calls from the company stating that they were unable to pull my credit. 
XX/XX/2020 XXXX XXXX should be removed from my credit because he pulled my credit after I informed him that I did not want to work with him. I have e-mails and text messages to support this.
Product: Credit card or prepaid card

I had US Bank Skypass Visa Signature Card # XXXX XXXX XXXX XXXX with 12 month anniversary payment date XX/XX/2023. I wanted to close the account prior to due date and called Customer Service on XX/XX/2023 to close the account. Agent asked me the reason why I want to close the account and I told this agent that I have many other credit cards and I don't want to pay renewal fee {$95.00}. Then agent suggested me to convert this Visa Signature Card to standard Visa Card which has no annual fee. He added that I will get {$95.00} annual fee reversal in 30 days. I trusted the agent 's remark and agreed to convert to Visa Card # XXXX XXXXXXXX XXXX XXXXXXXX. 
Renewal fee {$95.00} was charged and I paid. 
But this renewal fee for Skypass Visa Signature Card has not reversed. I called the Customer Service in XX/XX/2023 and XX/XX/2023. Finally, Cardmember Service Representative, XXXX XXXX sent me a letter that they are unable to waive the Annual Membership fee. 
If I had to pay renewal fee {$95.00}, why would I convert ( downgrade ) to standard Visa Card and still pay {$95.00} annual fee for nothing?
Product: Credit reporting, credit repair services, or other personal consumer reports

Cain and Weiner are reporting inaccurate information on my credit report. I cancelled my policy with XXXX XXXX on XX/XX/2017. I received my final bill notice on XX/XX/2017 that I had a final balance of {$100.00}. I paid XXXX directly on XX/XX/2017 and have a receipt. I never had a debt with Caine and Weiner therefore I am asking for the immediate removal of this reporting.
Product: Credit card

In XX/XX/XXXX, I was flagged as a fraudulent person by Home Depot, resulting in a ban from making any returns or transactions. Home Depot claimed my Home Depot Citibank credit card was under investigation for fraud and scamming. Despite never engaging in any fraudulent activities, I was humiliated in the store and treated like a criminal. Home Depot 's staff failed to provide any explanation on how or even why I was flagged, only offering a vague apology stating it must have been a mistake and a {$25.00} gift card, which I refused.

I escalated my concerns to senior leadership at Home Depot and stated my intent to cancel the card due to this unjust treatment. But, I continued to make monthly payments on my Citibank card, which had a {$25000.00} credit limit. Despite paying, sometimes XXXX hours late due to my payday schedule, I maintained a low balance relative to the credit limit. 

In XXXX of XXXX, when I went to pay my monthly bill, I noticed Citibank reduced my credit limit from {$25000.00} to {$3100.00}, bringing my balance extremely close to the limit and drastically increasing my credit utilization ratio. This action adversely affected my credit score, portraying me as a high-risk customer ( 99 % usage ).

When I contacted Citibank for an explanation, they echoed Home Depot 's language, labeling me as delinquent and irresponsible, despite my consistent payment history. Citibank 's representative stated that they had reviewed my credit report and preemptively lowered my limit, claiming I was likely to default on their card as well, since they saw I was having trouble with other cards, despite no missed payments on their account. The fact is I was out of work for 3 months and had a payment plan with my mortgage company and car companies and was doing what they told me to do, and unfortunately it still reflected negatively on my credit, because the full balances were not paid. In my anger and frustration over this unfair treatment, I decided not to make any payments in XXXX and XXXX. I let my frustration get the best of me, but this was the FIRST time since having the card that I have ever been this late. 

This treatment feels discriminatory and or very unjust. The decision to reduce my credit limit to my existing balance, combined with derogatory reporting to credit bureaus, has severely impacted my credit standing. Their actions seem punitive and intended to damage my credit reputation unfairly. 

XXXX was told I was very delinquent and never paid them, please see attachments from last year to current dates of all payments to Home Depot* they again stated because I was delinquent with them, that is why they took my balance from {$25000.00} to {$3100.00}. 

I seek the Consumer Financial Protection Bureau 's assistance in addressing this unfair treatment and ensuring such practices are not perpetuated against other consumers, especially those that look like me.
Product: Credit reporting or other personal consumer reports

I am reaching out for assistance regarding the inaccurate account reflected on my credit report. This has caused damage to my reputation, and I require your help. The mistakes in handling my credit report have left me in a difficult situation and harmed my reputation. You must remove this incorrect information immediately.
Product: Checking or savings account

Bmo closed my account Nd i had XXXX available in my account from a mobile deposit. Ive already complained to the fraud department but XXXX XXXX, XXXX XXXX XXXX are discriminating against me and came to a conclusion on their own. The checks were not returned they cleared and yet i dont have my XXXX that i workef hard for. Because of the incompetence they showed and lack of concern for its customers im facing eviction now and my car is already repossessed. This happened XX/XX/XXXX. And i recieved a letter stating i was to be given a cashiers check fkr my funds but again the bullies of bmo threatened me and my XXXX  girlfriend.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17 I called TransUnion Credit Bureau and told the representative that I was a victim of the " inquiry issue ''. To my dismay they told me that they did not know what I was talking about. There was indeed a glitch and TransUnion took off inquiries and then put them back on my credit report.Clearly a breach of FCRA 611 5 ( b ). Attached are copies of my most recent credit report with all of the inquiries I want removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I purchased a car from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX I applied for credit - but did NOT authorize them to check several lenders.