23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please remove and delete all inaccurate late payments off my credit file from Experian, XXXX, and XXXX immediately. 

XXXX XXXX XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX
Product: Mortgage

On Saturday XX/XX/2024 I filled out an application with my current lender to refinance the mortgage on my home. 
After I completed the application, I received a text from a XXXX XXXX NMLS # XXXX with E Mortgage Capital. I ignored the first 2 or 3 texts. On Tuesday XX/XX/2024, I received a text from XXXX, except instead of the text asking me to reach out to him, this text included a quote. Not only did the quote outline refinance options, it also included my credit score. 
At this point, I responded ( for the first time ) asking who he was, since I did not reach out to anyone but my current mortgage company about the refinancing. His response was they were a preferred lender with XXXX and XXXX and " that is how we caught wind of your recent mortgage application. '' If this unsolicited quote was not disturbing enough, XXXX sent this information to an unverified cell phone number. XXXX had no idea who he was actually texting. 
I did not give E Mortgage Capital permission to create a quote or even contact me. I did not even respond to the initial text messages, and yet XXXX and E Mortgage Capital felt they had the right to not only contact me but actually create a quote. 
I asked that I not be contacted again from them.
Product: Credit card

Hi there, Payment is made on time to Citi bank from my bank as automatic payments, as well as push payments as needed. I pay my bill in full every month. 

However, they have charged me interest because even though it was paid by XXXX XXXX  on time, it posted on the XXXX, so Citi counted that late. EVEN THOUGH XXXX XXXX PAID ON THE DUE DATE. Nobody else penalizes me for paying ON THE DUE DATE. But Citi does. 

I called them. They recognized the issue, and apologized, crediting me XXXX XXXX  This isn't my first phone call. 

When I called XXXX about this, and told the admin the issue, before routing me to the correct group to report it, she was upset about this issue too.
Product: Debt collection

I was paying my student loans under a student assistance program and had n't realized that they stopped collecting payments from my account. When I received a phone call from Navient, I told them that I needed to do more research to verify that my loans had n't been paid since XXXX 2015. She then told me that she has already done verification of employment and will be pushing forward for wage garnishment. I again told her I wanted to do some research and she said she 's already done it and became very nasty with me over the phone. I finally told her I would discuss it with her only AFTER I was able to do some more investigating and hung up. She called right back and I did n't answer as I was at work.
Product: Checking or savings account

Bank of America closed my checking account last month XXXX. I explained to them that they paid me in a check and they tried to scam me and yet they closed my account. I asked them to cancel the check and they didn't want to cancel it and they closed my checking account and I had it for 6 years. It's unfair. I tried to dispute this and to have my account reopened and they didn't help me. I even told them that I had a police report.
Product: Credit reporting or other personal consumer reports

I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) consumer rights to privecy and confidentiality under 15 USC 1681. I Would Like XXXX XXXX XXXX to furnish a 1099c because The account was marked as a charge off they were to send me a 1099c and I have not received a 1099c, and if I don't receive the 1099c they filed within 15 days. and never received one via the mail or anything I will be filing a 3949a with the irs as that is considered tax fraud since I haven't received a 1099c. I would like this account removed from my credit report or furnish the 1099c. continuing to furnish information to my report that by law is wrong charge off is considered income by the irs
Product: Debt collection

Goodmorning I am writing here because this company SCHEER, GREEN, & BURKE CO. LP.A. have violated my rights first of all I do not speak English and they sent a letter and I did not accept any contract and now they keep sending letters harrassing using my adress. I need help because I never seened this company in my life and I am asking them please do not use my personal name or telephone by michigan law they cant be using communication because I have asked not to be harass. I need please have this company remove me and my phone my name and anything out of their data and do not report anything without consent. I do not have any bill when I never used this company for anything,
Product: Checking or savings account

On XX/XX/XXXX, I opened my Premier Checking Account and my Choice Money Market Savings Account with the {$600.00} bonus offer. I went into the XXXX XXXX Branch on XX/XX/XXXX and made the qualifying deposits to satisfy the bonus requirements. The banker confirmed on that day that I was eligible for the {$600.00} bonus after the qualifying activities. 

However, on XX/XX/XXXX, the online service agent XXXX  XXXX declined the bonus without telling me the specific reason. Then on XX/XX/XXXX, XXXX XXXX asked me to contact the branch. Upon checking my account history, I have only received a bonus when previously residing at XXXX XXXX XXXX. I also received confirmation for successfully enrolling in this offer on XX/XX/XXXX. So I should have been qualified for this {$600.00} bonus offer. Since I am no longer in the XXXX  area, I am unable to go into the branch to ask them to investigate this offer. Would you mind checking it again and make the bonus available for me? Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX received a cease and desist concerning an account that was improperly and inaccurately reported and closed to my report to assist in harassing and stalking me. The accounts were removed on two different occasions after receiving correspondence concerning the cease and desist order from the attorney. They have begun to try and report it again without my knowledge again the cease and desist order. The accounts need to be removed again from all reports, and they are not authorized to do anything with my credit bureau reports for any reason. I dealt with their unethical business practices once before, and will never use their services again for any reason. My next action is to sue.
Product: Credit reporting or other personal consumer reports

Transunion is continuing to report information that was identified as a result of identity theft and they refuse to delete the information. There are several inquiries reporting that were not authorized by me. They were provided an FTC identity theft report back in XXXX and have still reported the inquiries as accurate. I have attached a police report and another police report that states I did not authorize these inquiries and they are the result of identity theft as I have no credit accounts attached to these inquiries. Please delete the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Major, FRAUDULENT Billing Errors, with : ALLY ( XXXX XXXX ) Pre-Owned -XX/XX/XXXX XXXX-XXXX. My ALLY Account Number : ends in : XXXX. NEVER, MISSED A PAYMENT. NEVER, LATE ON PAYMENTS. XXXX. XXXX XXXX, with ALLY, is Contact. My XX/XX/XXXX XXXX, Purchased at : XXXX XXXX, XX/XX/XXXX, on XXXX XXXX., XXXX XXXX, GA XXXX. BOTH, ALLY Financial, and XXXX XXXX, Guilty of : " Red-Lining ''. As I received a Settlement from : ALLY, Early XX/XX/XXXX, from Class-Action Law Suit. Early XX/XX/XXXX ; ALLY, sought to " Take-Back '', my Settlement Payment. Therefore, ALLY, Early XX/XX/XXXX, FRAUDULENTLY, added-on, an Additional Payment of : $ XXXX/Monthly. Presently, receiving Two ( 2 ) /Monthly Statements, from : ALLY. The CORRECT Statement, is : $ XXXX/Monthly. The FRAUDULENT Statement is for : $ XXXX/Monthly. WILL, you please assist?? ALLY, admitted to ALL Three ( 3 ) : XXXX ; XXXX ; XXXX ; that BOTH ; ALLY, and XXXX XXXX, are Guilty of : " Red-Lining ''. Most Appreciatively. XXXX. XXXX XXXX. Text/Cell : XXXX. E-mail : XXXX
Product: Credit reporting or other personal consumer reports

I'm not entirely sure which category this fits into but when credit karma acquired mint they assured us that we would still be able to access our transactions. 

While I can access my transactions they have made it impossible to export any of my own financial data. I used to be able to do that from mint and had been relying on that feature from credit karma in order to my taxes. I see no reason why they should be able to access and analyze all of their users data but not afford us the luxury of reviewing and analyzing our own data?! It's extremely frustrating, searching reddit only to find dozens of threads with users expressing anger at the same issue. 

Credit karma even said during the transition " we've always believed that your data belongs to you so we've made it easy to download your transactions from XXXX. '' And then below that it says " Once you move your miny financial account data to credit karma you will not be able to export your financial data on credit karma '' How is that legal?!??! It's my data!!
Product: Checking or savings account

This complaint can be associated with another one with ID XXXX, which was filed on XX/XX/2020, against Chase bank, on the issue that Chase closed my credit card accounts ending XXXX, XXXX and XXXX without valid reasons, and is still pending a resolution. 

After filing the above complaint, I was contacted by Chase bank and told that an investigation was ongoing. I was also given a contact person named XXXX and a phone number XXXX, XXXX. But l was never able to get through that number again, and was never called back even after leaving messages. 

Late in XXXX I received a letter from Chase, dated XX/XX/XXXX, informing their decision, not only having closed my credit accounts, but also to close my checking ending XXXX and saving ending XXXX on XX/XX/XXXX, again without any reason. Since I can not get in touch with Chase Executive Office regarding this issue, and XX/XX/XXXX is approaching, I assume the above two accounts will be closed anyhow, so I have to file another complaint with CFPB. 
Now that Chase decides to close my checking and saving accounts, I think I may have a clue why they want to do that, and I have to say the decision is rediculous. 

I opened these XXXX accounts in late XXXX, during which time there was a promotion from Chase, that to receive {$300.00} bonus if open a new Total Checking account with direct deposit, and to receive another {$300.00} bonus if open a new saving account at the same time, and then deposit {$15000.00} into the saving and keep it for 90 days. 

Once I opened these XXXX accounts, I arranged direct deposit from my employer and I received the checking bonus already. However, when I initiated an ACH pull from my external account withXX/XX/XXXX to Chase, the transfer was cancelled by Chase. I called their customer service and was told such large amount of money transfer was considered risky and was not allowed online, and I had to go to a local Chase bank to deposit a check. While thinking this is not so reasonable because Chase wants me to deposit a large amount of money to receive bonus, yet Chase also dictates such large deposit unsafe, I fully followed their instruction to deposit my check in a local Chase branch. Now I am afraid Chase is exactly basing on this " unsafe '' large amount deposit to determine my accounts risky and close all of them. 

I also note that I deposit that check of {$15000.00} to my Chase saving account on XX/XX/XXXX, and now it just passed the 90 days which is required to keep that balance to receive the {$300.00} bonus, and since Chase is going to close my accounts on XX/XX/XXXX, I don't think they will honor that promotion to me. Really irony!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b. Also 18 US code 8 states that the obligation of this day is already paid for by the United States.

12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account.

2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer.

3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number. Please refund the available balance on the account please.

This creditor is in violation of 15 US code 1692J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND EXPERIAN XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Mortgage

Purchased a house in XXXX/XXXX/2014 the initial mortgage was with XXXX then sold to XXXX and then XXXX. We received a letter from XXXX that they just purchased our mortgage and that was it so we paid them every month and never a problem. Then we recd letter stating new mortgage co Penny mac never received our payment so called found out it was sold again and payments had n't got forwarded. So talked to customer service and they said to sent new payments and they would correct it and no problem they never notified me of no payment late payment no call. then I find out its on my credit report and now I cant refinance.. We were never notified till after the fact that they never got the payments we made them and have a good payment history and now because we were never notified they have damaged my credit -no call no letter to say never got payments or payments were not forwarded from XXXX ... So I corrected it on phone and made payment they said would never affect my credit because it had n't been 30 days.. But they did and I 've tried to fix it with them but they are difficult to work with. They insisted they did n't put it on our credit but its there ... We had nothing to do with this they should of notified us that mortgage was sold again..
Product: Credit reporting or other personal consumer reports

The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/2021. This account does not belong to me.
Product: Credit card or prepaid card

Please register my complaint regarding predatory practices of Wells Fargo, specifically complete, blatant disregard of my right to privacy. 

To install a new heat pump in my house, I elected to finance it through Wells Fargo, since that was the preferred financier of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon submitting my paperwork to have the loan and having it approved, I was notified that it is not actually a loan, but a credit card. Surprise! Not only it is a credit card with a very high interest rate, but in order for me to pay the said credit card, I have to enroll in WellsFargo 's online banking. To sign up for online banking, I must consent to the following : " By selecting Continue, you agree that Wells Fargo Bank , N.A . may contact you at the phone number listed above even if we use an autodialer or artificial or prerecorded voice message to call or text you for servicing purposes. If the phone number you provide is registered to a mobile phone, your mobile carrier 's charges may apply.

You represent that you are the owner of the mobile phone number or have the delegated legal authority to act on behalf of the mobile subscriber to provide this consent.

You understand and agree that Wells Fargo may collect, use and retain personal or other information about you or your device according to pursuant to Wells Fargo 's policies or as required by applicable law. 
You authorize your wireless operator to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers ( XXXX and XXXX ) and other subscriber and device details, if available, to Wells Fargo and service providers for the duration of the business relationship, solely for identity verification and fraud avoidance. '' There is no option to opt-out. 

This behavior is predatory. As a consumer I have the right to opt-out of this data harvesting and robo-calls, however Wells Fargo does not give me this option when trying to enroll and pay the balance on my card. 

Forced consent to robo-calls and blatant data syphoning should be prohibited. Wells Fargo has no right to see, use, and sell my data. 

Thank you! 

XXXX, XXXX
Product: Mortgage

My HELOC with Discover Home Loans ( Loan # XXXX ) was on a deferment from XXXX - XX/XX/2020. I called servicer in XXXX to discuss repayment options. I was offered and verbally accepted a payment deferral ( letter attached ). I was to resume making my regular payment on XX/XX/XXXX, which i did ( made the payment the XXXX of XXXX XXXX. However, I was reported late on my credit reports and am being assessed late fees. This is causing undue hardship as I am attempting to get a car for my commute to work. I have called the lender multiple times to address this issue, each representative i speak to has acknowledged that they need to fix my account and have escalated to the appropriate parties. Each time I call, nothing has been done to remediate this and the request has been sitting there for multiple weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C.1681 Section 602a states that I have a right to privacy. 

15 U.S.C.1681 Section 604a Section 2 states a consumer reporting agency can not furnish any account information without my written instructions.