23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My account was fraudulently charged {$50.00} on XX/XX/XXXX, on that that day I spoke to a supervisor and was told that my money would be back in my account in three days. This did not happen. I called back on XX/XX/XXXX and spoke to a person by the name of XXXX who made no effort to resolve the problem. I would like my money back.
Product: Debt collection

Hi, I got a call from number XXXX informing they were First Financial Asset Management company. They informed me that I owed a debt from a XXXXXXXX XXXX XXXX XXXX regarding damage to their vehicle. I was not sure of this was a scam or impersonator so I asked them to mail me debt validation letter. It has been already 2 weeks that i have not received any call or information from them regarding the debt. 
This could be a scam. However I do not want to see this on my credit report for any reason. Please help
Product: Debt collection

The company Allied collection placed a debt for {$300.00} on my credit file, I have told them numerous times that anything pertaining to the original creditorXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  was paid by my insurance ( Florida XXXX ). Prior to this debt being placed on my credit file which is how I found out about it I never received any notices regarding such debt. When I filed a complaint with the XXXX   of XXXX XXXX, ACS claimed they were calling me, I have never received any calls from them, nor messages, nor WRITTEN correspondence regarding this matter. ACS needs to stop reporting inaccurate false debt to my credit report and remove the inaccuracy.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer credit report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 15 USC 1681e ( b ) requires that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce for consumer credit, personnel, insurance, and other information. These procedures must be fair and equitable to the consumer, ensuring confidentiality, accuracy, relevancy, and proper utilization of such information1. The law also mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of consumer reportsXXXX
Product: Mortgage

I own a very small studio in XXXX XXXX, Illinois. I rely on the small Social Security Benefits for my support. My mortgage is with Chase Bank. For the last 5 years I have been trying to obtain a modification for my loan based on the US government guidelines, sending modification paperwork to that bank in many copies. At the same time Chase filed a foreclosure against me. I have been sending all the required documents as requested by Chase ( over and over again for no reason ) but never received a modification. At the end of this entire cycle Chase went through the foreclosure process and sold my condo. Now I am in the position that I have nowhere to go and will end up on the street.
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 acct # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX. XXXX XXXX acct XXXX XXXX XXXX. XXXX XXXX acct # XXXX XXXX. XXXX ( original creditor XXXXXXXX XXXX XXXX acct # 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: Credit reporting, credit repair services, or other personal consumer reports

I've submitted dispute documents on Monday, XX/XX/2021, XXXX XXXX to XXXX disputing a bankruptcy, and on Saturday, XX/XX/2021, XXXX XXXX to TransUnion. Both companies are reporting my bankruptcy as accurate even though XXXX and XXXX could not find any information of a bankruptcy at all and deleted it from my report. I've contacted both companies and have not received the proper results.
Product: Mortgage

On XX/XX/2020 I applied for a commercial mortgage with XXXX XXXX of Fulton Financial Corporation dba Fulton Bank. I was referred by a former employee and thought it would be a simple process. Turned out, that I was racially profiled and unfairly treated by Fulton Bank representatives. When working with XXXX, I thought that I had done something wrong to her by the way she treated me. It turns out she had a vendetta against the previous employee, also XXXX American. She treated me like trash and ultimately, I was declined for the loan. This was particularly frustrating because I was immediately approved by 4 other banks within a week of being wrongfully declined for credit. When I spoke to the bank supervisors they could not provide me with an adequate reason for denial since, My credit far exceeded the minimum require credit, my debt to income ratio was well below 30 % which is more than adequate for the financing and my experience exceeded the minimum requirements.
Product: Credit reporting or other personal consumer reports

LOWES ADVANTAGE CARD reported an inquiry on my consumer report without fully disclosed information related to such reports being made upon our initial communication. they also failed to provide me with the option to opt out of my information being shared.
Product: Checking or savings account

Chase and XXXX XXXX with constant overdraft fees
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 and money was removed from my savings account when I specifically ask them not to due to lagged Posting of charges and credits. This aligns with the recent findings against Navy Federal credit Union for similar practices. I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Inquiries removal : Please see all highlight activity which is considered to be unauthorized by myself. 
Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries accounts on my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these inquiries. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the XXXXXXXX XXXX XXXX. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance Please see all inquiries that was not authorized by me. 
Experian : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX : XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forward as I XXXX XXXX have reached out to each in this particular case Experian Fraud Dept as they have reviewed my complaint and my dispute towards fraudulent Reporting activities on my credit profile and they have stated that they were going to update my credit profile however, they have not I have given them a federal affidavit as well as a truth in fact statement towards accounts that have been fraudulently placed on my credit profile after a data breach yet to no avail. I am
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 the credit reporting agency have still yet not rectify their wrongful actions of violating my rights. I am tired of going back and forth about these violations. Someone needs to help me resolve this issue. I have made several attempts and ask the credit reporting agency to furnish my written statement for them to place anything on my credit report. I asked to them to provide proof of the furnishers investigation and I am on edge that my employment is placed on my public records of my consumer report which is not okay being that 4 years ago I was a victim of XXXX XXXXXXXX. I asked them to remove any information from my account that does not have my consent and for the most part nothing has change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times. I demand the accounts below be removed because : according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX Credit Card and Auto Loan
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUMBITTED MY DISPUTES AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. WHY WOULD I NEED A CREDIT REPAIR COMPANY TO LOOK AT MY DISPUTES AND KNOW THAT THEY ARE FRAUDULENT. I ASKED THAT THESE ACCOUNTS BE THOROUGHLY INVESTIAGTED BC THEY DO NOT BELONG TO ME. I DONT APPREICATE MY CLAIM BEING GENERICALLY BEING DISMISSED AS A USING A CREDIT REPIAR COMPSNY. PLEASE REVIEW AND REMOVE THESE INCORRECT ACCOUNTS FROM MY CREDIT REPORT.
Product: Mortgage

I have had a mortgage with Quicken for 4-5 years and have never missed a payment. I scheduled a payment for XXXX for my minimum amount and added almost {$30.00} to be applied to principle. This transaction went through on XXXX as intended. On XX/XX/XXXX, I checked my XXXX Bank account and noticed Quicken made another deduction for just my minimum amount. So in total, Quicken withdrew {$1500.00} on XXXX and {$1500.00} on XX/XX/XXXX. 
This second deduction caused my XXXX account to be overdrawn, which has never occurred. I notified Quicken of this situation on Monday XX/XX/XXXX and they said they would note the account and forward it to somebody to research. 

I get a call on XX/XX/XXXX at XXXX est from XXXX XXXX to review what i just explained. She tells me that two payments were scheduled and that i needed to contact my bank XXXX XXXX XXXX to stop payment and i am going to get a fee from Quicken for the returned payment. I expressed how ridiculous this was for many reason. 

Couple major issues i have with how this situation was treated : 1. We are in the middle of a pandemic and XXXX showed no empathy or willingness to help a customer ; she seemed to repeat the same lines without adding any personal touch to the call ( the call was recorded by Quicken between XXXX and XXXX est. ) 2. Quicken/XXXX   was notified of this error on XX/XX/XXXX by me and did not inform me until after banks are closed on the east coast on XX/XX/XXXX that i would need to do a stop payment on the " resubmitted '' payment that i already told them wasn't valid. This seems to be a very convenient way to generate fees or a very ineffective way to communicate internally. 
3. History shows my payment history ; its always minimum plus a little more towards principle. Anybody outside of the financial industry could evaluate this transaction and easily determine i didn't make/authorize two payments on two consecutive days. 
4. Inability for agent XXXX XXXX XXXX to make a decision that makes sense ; seemed very scripted and robotic, which is, in my opinion, a bi product of a company that is driven by internal policies that do not allow common sense to be used at the expense of losing a {$20.00} fee. 
5. I requested to escalate this call and was not provided XXXX XXXX superiors information. She said her boss was XXXX but would not give any contact information. 

All I wanted from the original call was to inquire about why two payments went through and to see if Quicken would cover 2 overdraft fees from XXXX. After speaking to XXXX, its clear what drives Quicken and it has nothing to do with Customer Service.
Product: Debt collection

This company is calling about a bill from 2 years ago ... I explained that I need to see the bill and that I do n't even remember the service i.e. ; ambulance ride ... After telling them I need a copy of the bill in question they would n't comply ... I 'm sure this is a scam and I told them so
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute on my credit report XX/XX/XXXX and still haven't gotten a response from the bureaus yet. It's holding me up from getting a house. Please help!
Product: Credit reporting or other personal consumer reports

I told my credit reporting agency due to the data breach my information has been exposed. We went over all the details and everything I also told them dont turn my dispute into a third day dispute under section 605 b these information should be removed within 4 days. After I explained that they told me I need documentation for these things to come off
Product: Student loan

My {$25000.00} in student loans from XX/XX/XXXX-XX/XX/XXXX were consolidated with my XX/XX/XXXX-XX/XX/XXXX{$10000.00} loans by Great Lakes without informing me that I would be ineligible for XXXX  loan forgiveness in XX/XX/XXXX. At the time I was XXXX on a partial salary and struggling to make payments. My Great Lakes loan was then transferred to XXXX XXXX where I later applied for XXXX loan forgiveness only to be rejected. Now I ca n't get the bulk of my loans forgiven which now estimate at {$46000.00}!!
Product: Credit reporting or other personal consumer reports

There is 2 frivolous Accounts on my Equifax report that were never Deleted from my Identity theft complaint that I am giving Equifax one last chance to handle before everything is forwarded to the federal courts in XX/XX/XXXX. 



XXXX XXXX XXXX XXXX : {$9600.00}, Opened XX/XX/XXXX. 

An Account which is CLOSED that is still reporting late payments all the way thru to XXXX until NOW. This account is also SEVEN YEARS OLD which is grounds for automatic deletion! 



XXXX XXXX XXXX : {$1200.00}, Opened XXXX, XXXX XXXX. 

- Another account that is reported as being CLOSED but still reporting LATE PAYMENTS which is illegal when compared to FCRA. This is also a SECURED Account in which the Deposit for the credit was given up front in order for XXXX Not to Take any Loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to contact TransUnion about disputing the following on my XXXX report, dated XXXX : XXXX. Name shown as XXXX XXXX is wrong. I NEVER go by this name. My name is ONLY XXXX XXXX XXXX, XXXX. The property deed to my only home since XXXX goes by XXXX XXXX XXXX, XXXX TransUnion XXXX remove XXXX XXXX XXXX this is not me!!!!!!!!!! 

XXXX. XXXX XXXX # XXXX * * * : Under " Remarks '' should be corrected, this account was " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX. XXXX XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!!! 

XXXX. XXXX XXXX XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX. XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX XXXX XXXX, XXXX.
Product: Debt collection

This is the XXXX time in the last XXXX plus years this keeps showing up as collections on my credit report under DIFFERENT collection agencies. All are documented in your system. Now Jefferson Capital SYST is trying to collect on a XXXX bill that is NOT even my LAST NAME. I want to file a suit against XXXX, and Every collection agency for damaging my credit, causing mental harm, and the time it takes me to remove these from my CREDIT. PLEASE HELP ME.
Product: Debt collection

I received an email this morning that a new trade line was added to my credit report. I checked my report and saw that XXXX XXXX, which is located in Nevada, was added to my report as a debt. I do not reside in Nevada, I reside in California. The company reporting the collection is XXXX XXXX XXXX. The date is XX/XX/2022, of reporting until now. I have tried contacting XXXX  XXXX and Clark County Collection via phone and I was unsuccessful in reaching anyone in their department. Thank you!
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit card

Citi Bank sent me a billing with charges from XXXX in XXXX Texas on XX/XX/2023. 
on XXXX charges from XXXX XXXX and XXXX. In repeated recorded conversations I Denied each one of the charges totaling Appx {$6300.00} with Late charges. There were only two charges on the bill of {$1.00} from XXXX that were actually mine! In fact on XX/XX/2023 I sent a check for {$2600.00} paying off the total balance! I got a letter saying the cards EMV chip was used to make the disputed transactions and at a chip enabled card reader. You stated that the card was in your possession so we do not consider this fraudulent activity!

I believe they reported it to a credit agency. I got a call from my bank thats was concerned.I got a call from maybe a debt collector saying my score was reduced XXXX points! Other Bankers have told me that they would never have charged these unauthorized charges. I live in Florida and the charges stores in Texas. In fact one of the billings I received used my name and an address in Texas!! I am refusing to pay these charges and Citi-Card keeps trying to collect on the closed accounts. Do I need an attorney to stop this harassment and unethical behavior?
Product: Credit card or prepaid card

My son passed away in XXXX of 2021. He had an account with Direct Express for his social security XXXX. Im his mother and submitted all the legal paperwork to receive his balance. They reached out to me in XXXX and gave me a ticket number. Ive called several times and emailed with no resolution. I get a email that says someone will be assigned to me but they never follow through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my credit report a refuses to investigate properly the accuracy of the information they are reporting i have made several attempts to have it corrected with no success also reporting inaccurate addresses and refuses to delete them aswell