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

Dear CFPB : I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : - All of my hard inquiries need to be removed. 

XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX The following collection agencies have been harassing me. 

XXXX XXXX XXXX Needs attention {$1000.00} XXXX XXXX XXXX error Needs attention {$720.00} XXXX XXXX XXXX error Needs attention {$640.00} Thank you for your assistance. 

Sincerely,
Product: Checking or savings account

I was on an account with my son and he went in and closed my account without my consent and opened a new one without me on it. I am elderly and now all my money is gone. I don't know how to proceed because all of this was done without my consent XXXX gone and now I do not have money to survive. Went to citbank and they confirmed that he closed the accounts but I did not have to be there. How does that make sense? 
Please help
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

The car got repossessed four years ago and the company left me with a remaining balance of XXXX I paid the remaining balance on XX/XX/2022 thru a collection company call XXXX the company told me once I make the payment the account will be removed from all credit reports I been disputing this account for the pass four years and the company doesnt want to remove the account I paid for
Product: Credit reporting, credit repair services, or other personal consumer reports

have disputed the late payments on XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX   XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

I was at work and I got a notification on my phone that a us bank credit inquiry was pulled in my name and immediately after I froze my credit after I seen the inquiry.
Product: Debt collection

Discover Card made me pay them for unauthorized charges that I did not make. I have reported that to you before. However, recently, I learned that Discover Financial Services also did an unauthorized " soft '' credit inquiry into my credit on XX/XX/23. That was 5 days before the court trial that I had to attend because Discover Card/Bank sued me for collection of a Discover Card balance, and I sued them back. I ABSOLUTELY DID NOT AUTHORIZE DISCOVER TO MAKE A CREDIT INQUIRY INTO MY CREDIT RIGHT BEFORE TRIAL AND THEY ARE ABUSING THEIR POSITION FOR IMPROPER PURPOSES.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removed of the erroneous information which is being posted to my 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 18USC 1028a Aggravated identity theft 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This was an invalid charge from XXXX years ago. I have never had any agreement or contract with XXXX XXXX. The basis of this dispute is that I just pulled a credit report. I received no notices by mail, email or phone. I had sent substantial amounts of documentation several years ago when this XXXX came up which proves the debt invalid which I still have available. XXXX, XXXX and XXXX have all received this documentation and only XXXX does not report this new collection but old account now. My XXXX Score is XXXX and XXXX now at XXXX which should demonstrate the kind of damage this kind of wreckless credit reporting can cause someone. 

The subsequent attachment is from XXXX and the initial issue at the time was I was sold internet with a TV package " add on '' and later told I could not receive internet. There was also a XXXX day cancellation policy with XXXX, but they have been hounding me for years on a contract I never had and never used with XXXX.
Product: Vehicle loan or lease

After I had been approved for a auto loan for a used vehicle, was given the financing The dealership took the vehicle back saying they were advised the vehicle was unsafe and should never have been sold. When I declined to purchase another vehicle costing thousands more, I suddenly began getting letters telling me I had been denied financing to purchase the vehicle because of my credit. These letters go so far as saying my credit score will go from XXXX to XXXX. There is NOT one negative comment on my credit report, Until these financial companies started this. I dont understand what they are doing to my credit worthiness. I cant find a government office who is willing to help me, no one seems to be concerned that after a lifetime of good credit, buying 3 homes and never being denied credit how all of a sudden I can not buy a used vehicle? There is something very wrong and suspicious about what is being done to me. XXXX XXXX  is also a culprit in this manner. Their letter says I was denied due to the age of the vehicle and collateral XXXX XXXX should have known that bank did not finance vehicles within that age and XXXX XXXX NEVER asking if I had other collateral to offer. They instead chose to damage my credit report.
Product: Checking or savings account

I started a dispute with sofi bank in XXXX of 2024. It is now XXXX and they are Finally working on it. 
Dispute was for XXXX $ : that was a XXXX XXXX payment for service not rendered. XXXX XXXX took the money and sent it back to my debit card. XXXX  day has passed and sofi is still saying they are waiting g for the merchant to respond. My water and light got turned off because I was expecting that money. Everytime I call its a different answer nothing ever matches.
Product: Credit card

Have a citi bank master card credit car. I had a balance on the card of {$170.00}. On XX/XX/XXXX, I paid the balance. I had a late fee on the card because I had moved. On the phone they agreed to waive the late fee. On the phone I asked to pay my balance which ( after they waived the late fee ) came down to {$140.00}. Recently I have been receiving late charges because the Citi bank customer service represented did not waive the late fee. I made sure that I did not have a balance on the card before getting off the phone. As of today, they are saying I owe over {$120.00} in late fees. After talking with numerous representatives they are now saying that the XXXX did not waive the fee in XX/XX/XXXX and as a result additional late fees were added on the account form XX/XX/XXXX. They offered to take off XXXX of the late fees off and {$10.00} since the erroneous accrual from XX/XX/XXXX but have said their system will not let them take off any other late fees. They have acknowledged they failed to take off the late fee and their systems inability to correct my account but they are demanding that I pay what is left on the card. I should not have to pay- 1. I paid off the balance of the card ; 2. have not used the card, 3. they admitted they failed to take off the late fee in XX/XX/XXXX ; 4. admitted they could not correct the issue because its a system issue.
Product: Mortgage

My mortgage Company is making me behind in my payments. They started holding my payments in funds in suspense balance in XX/XX/XXXX. XX/XX/XXXX statement has {$2200.00} being held. my payment is was {$1100.00} then they raised the payment with telling me why. 
It was just on my statement I was doing trile payment until XX/XX/XXXX of XXXX. 
I did all the payments but, then they made all the payments that I made in the trile pay ments back to XXXX. No letter why just changed on statement. I have a escrow that gets {$290.00} each month. They took my payment to pay my taxes. did not count it as a payment. Just put me behind more in my payments. Then they took my payment to pay my insurance. did not count my payment as a payment put me behind another payment. 
I have been trying to get a loan modification for a longtime they just keep making me do the whole package to get the loan with over. I can never talk to anyone. I leave messages no one calls me back. I am on XXXX my check is only {$XXXX} I have been trying to get a loan since XX/XX/XXXX. I never get a letter turning me down they just want more paper work that I have given them so many times they say they do n't have it. The tell me its in underwriters then they need more of the same paperwork. I have worked with them until what they are doing to me now. I make a payment they hold it in suspense. They make me behind another month. They are suppose to pay my taxes and insurance out of my escrow. Which XXXX goes into it every month. I have ask for a copy of my escrow account have not got one yet. I am being miss treated by them. They are putting me behind even if I make payment. they want to foreclose on my home I have a lot of equity in it. I have never had a mortgage company take my payments to pay what should be paid out of escrow. Then do not show I made a payment. I think they think I am to dumb to notice what they are doing. I went to XXXX out of high school. That was what I wanted to do I liked being and helping people. I got alone with everyone. But, it was not the money I wanted so I started XXXX. Still not the money I wanted. I started XXXX that was much better money. But, still not what I wanted so I XXXX. I had finally got what I wanted. XXXX. I always worked as hard as I could. When I was XXXX I worked everyday day light to dark. I wanted to be able to stop working while I was young enough to enjoy life. As I was XXXX I met this man I thought I knew. But, I did n't he just wanted what I had worked my whole life for. XXXX. XXXX. that is why I am XXXX now. all my hard work my whole life gone. now I have to deal with a mortgage company that is not acting right. please help me.
Product: Mortgage

I have asked what can be done and if I can get a deferment which is so I can have more time to pay the mortgage and they declined. I am unemployed due to COVID19 and I am waiting for court because I am getting divorced so I'm not sure the house will even end up being mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX
Product: Checking or savings account

So ill start from the beginning. On tuesday this week, i reported fraudulent activity on my bank account. I take full responsibility because i clicked on an ad on XXXX XXXX advertising a XXXX case, but it turned out to be a scam and they stole my card info to make multiple charges. After calling citibank to dispute the charge, they cancelled my old card and sent me a new one. The next day, my new card arrives and i go to activate it. But, there is one problem. My PIN wasnt working. I NEVER changed my pin so it seems that citi changed my pin without my authority. After only a couple failed attempts, my account became locked. It has been 2 DAYS and my account is apparently under review for absolutely no reason. Customer service? XXXX XXXX XXXXXXXX. This might actually be the worst company on the planet. After 3 HOURS on the phone, NO ONE HELPED US. They would either hang up or say they dont know what to do. We asked if THEY can activate the card, but after they said they did, it didnt work. Really? What kind of company treats their customers like this. When i reported fraud on my account, citi NEVER locked it. But after 5 failed attempts at activating my card because citibank changed my pin, my account becomes locked for 2 DAYS. I dont know what to do anymore because clearly, no one can help me. Even XXXX is better than this company!
Product: Debt collection

I had an account with XXXX XXXX over 6 years ago. One day I received an alert that my account information had been changed. I immediately called XXXX and was told that someone apparently had got into my account and ordered several XXXX  and XXXX  to be delivered to an address in New Jersey. I am in California. I was assured that I would not be charged for this identity theft. I continued to battle this with XXXX for the next year. I finally dropped XXXX and signed up with a new provider. This fraudulent debt has remained on my credit report all of these years and has never been corrected after many, many attempts to resolve. 
How can I be punished for someone else 's criminal act? Unbelievable. 
They are also showing this account as " open ''!?? and that it was opened one year and eight months ago.
Product: Credit reporting or other personal consumer reports

i reviewed my credit report and noticed unauthorized inquires. i contacted the creditors listed below and they have NO proof i initiated the inquires, they have no written or verbal authorization. 
. according to section 604 of the fair credit reporting act 15 us code 1681b and 15 us code 1681i ... my rights have been violated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Select Portfolio Servicing , Inc . 
Loss Drafts Department XXXX. XXXX XXXX XXXX, OH XXXX I am getting the runaround from the Loss Drafts Department at Select Portfolio Servicing. We had a fire back in XX/XX/XXXX. The total amount of the claim was {$160000.00}. The first two payments were made relatively quickly. The last payment was delayed a bit but not too bad. I requested the final inspection on XX/XX/XXXX. This is the inspection that shows the insurance related work has been completed. I was told that someone would contact me within 6 business days to schedule the final inspection. It is XX/XX/XXXX and I have still not been contacted. I spoke with SPS as well as the company who handles disbursements and the inspection scheduling, XXXX, and was assured I would be contacted. In the meantime, the work is done. They are sitting on {$25000.00} which is owed to the contractor, and I shudder to think how long it will take for them to send me the check for the hold back depreciation, once the insurance company sends that to SPS. 

It is now XX/XX/XXXX, 1920 business days have passed, and I have yet to be contacted by anyone. I was told on Tuesday, XX/XX/XXXX, that I would be contacted within 72 hours. It didnt happen. 

This is outrageous. The work on my house is complete. Im getting invoiced by the contractor and I am waiting 20 business days on top of XXXX knows how many more days after that to have the funds released after the inspection has been completed.
Product: Checking or savings account

Optum Financial has my XXXX from a prior employer. I was not aware of a {$2.00} monthly maintenance fee that was being charged. I just got my quarterly statement and saw it started after leaving my prior employer. I called to have the funds transferred to my new XXXX at Optum Bank ( a sibling company ), and I'm required to PHYSICALLY mail in a form that could take XXXX weeks, all the while I'll continue to be charged a fee I wasn't aware of. Optum Financial said it was disclosed in the welcome package when I opened the account years ago. I was not " reminded '' or made timely aware of the fee being taken, and they refused to refund or waive future charges.
Product: Debt collection

I received a mail from Wakefield and Associates said that I have owned another funding firm. 

I never doing any business nor using their services/products, even never heard of those 2 companies before. 

I did some research and both of those 2 have more than 3000+ negative complaints and reports for scammers and fraud.
Product: Credit card or prepaid card

Comenity Bank ( credit card company for XXXX XXXX ) falsely claims they have an 'automatic payment ' process. This is incorrect and incurs a late fee as the consumer thinks they are setting up an automatic payment process when in fact the consumer must manage payments manually. A visit to the XXXX  XXXX  website ( XXXX ) shows multiple complaints from consumers who are being misled by this false claim of 'automatic payments '. Further, Comenity customer service states they will rectify the reporting of a late payment due to the misunderstanding ( as occurred in my case ), when in fact they will not which leads to falsely reporting consumer behavior to the Credit Bureaus. Comenity  is negligible in their handling of money, and most likely incurs a very high late fee income when compared to other Banking Cards. Their behavior can only be described as criminal, at best, as they are not conducting the management of their credit with consumers fairly. Date : XX/XX/2017. Amount was {$210.00} when noted as late. Comenity refuses to acknowledge their falsely claimed 'automatic payments ' caused the late notice.
Product: Bank account or service

Interaction with Charles Shwab bank request to get a new debit card. I understand protecting my account and not disclosing to many details without verification but they have gone to an extreme - to the point where I do n't feel comfortable disclosing all those details over the phone or banking with them. When the owner of the account feels uncomfortable you have crossed the line. It 's my money in the account you should make me feel comfortable with you holding so many details about my life -- not the opposite. I answered questions as to how much money was in the account gave an approximate b/c that 's how the question was asked not exact amount in the account. I answered the account number # question. I was asked to disclose my last transactions. I answered mentioned they were all to pay credit cards - when probe I told them the XXXX credit companies that received payment. When probed again i said the amount for those transactions. Apparently this was not enough information and the individual wanted to know my login id. I asked him to ask me a different type of question. He said because I refused this question and the date of my birth question I had to go and perform my transaction in person. I am not asking for a transaction to withdraw funds or to change personal info on the account. I just wanted to request a new debit card. This person did n't care they only cared about getting more personal details about me instead of helping me out and refused to ask me a different question. He also asked me what was my mothers maiden name. I will be closing my account with them because honestly there is such a thing as common sense - I understand compliance but if bank institutions are just operating in a check the box mentality instead of using their brain -- -she just wants a debit card - if you want one we 'll send it to you to the address you have on file can you verify that address - great thanks have a nice day. that 's how that transaction should have gone. If I gave the incorrect address by all means put a red alert - ask me all the questions you want. 
Now I need to go and find a new bank and 401 K provider. A company that treats me as an individual.
Product: Bank account or service

I tried many times to open online a CapitalOne 360 Checking XXXX XXXX XXXX Account on many days. 
I got always a ridicules error message " We are having a technical issue ... Sorry about that '' at the end of the application process. After that I sent an application to CapitalOne over USPS. In the mail I asked either to open a 360 Checking XXXX XXXX XXXX Account or to explain why it can not be opened. I did n't get any answer.
Product: Credit reporting or other personal consumer reports

I have already reached out to XXXX XXXX XXXX regarding the inaccuracies on my XXXX XXXX, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Product: Debt collection

I have received numerous telephone calls attempting to collect a debt from " XXXX XXXX. '' I do not know an " XXXX XXXX '' and told the company that during the XXXX - XXXX attempt they made to contact me. 

I also told them to take my name ( " XXXX XXXX '' ) off the list and that I would report them if they called again. 

I received a call from XXXX XXXX which seems to be from XXXX Maryland. However, the person on the phone said that her company, RPM was located in Washington. She said that she did not know the address ( but apparently had made it to work that day at some address ). She stated that her name was XXXX and that her supervisor was XXXX XXXX (? ). She was very hesitant to provide me with any information on the company or how to contact them.