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

On XX/XX/XXXX XXXX charges of XXXX $ were taken out of my bank account.. I only use XXXX to send to my family but never any big amounts like that.the person it was sent too i dont recognize.. I never verified these transaction. I'm not sure how someone got in my td bank account but they were also able to verify using my number and that was really new to me but I filed a dispute with td bank then they said they filed one for me but I called 2 weeks later for them to update me just for them to tell me that the worker I was talking too didn't file one for a XXXX dispute... I had to re file another one this is almost a month in back and forth with them telling me something didn't everytime.. then I started receiving calls from random people claiming they work td but those probably scams Im not sure.. 
Td banks and XXXX customer services was very poor and I do feel very violated and they tried putting words in my mouth. Next step is court Companys involved -td bank -XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX alleged fraudulent activity on a checking account and closed it without cause. I called XXXX XXXX XXXX to address the situation and it seems they have not been willing to help. They reported the negative and inaccurate information to Early Warning Services, which has had a negative impact to me doing business with other banks. I even sent several emails to the CEO with no reply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit report. I did not apply for the to cards or the inquirys that are showing up. All inquiries and both XXXX XXXX credit cards must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report : XXXX XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1800.00}
Product: Credit card or prepaid card

I received a letter from Capital One stating that they are closing my account due to inactivity. I feel this is wrong. It will negatively effect my credit report in XXXX ways. It will lower my credit utilization score and it will eliminate my good credit history. I dont think its right that they can hurt my credit score when Ive done nothing wrong. The credit card company is punishing me for not being in their debt. These guidelines need to be reviewed and changed so that people arent punished for a lack of debt.
Product: Mortgage

XXXX XXXX loan officer from Summit Mortgage Bankers is marketing interest rate without APR and point fee on daily basis, this is illegal, I called Summit Mortgage Bankers, they just ignored. 
Summit Mortgage Bankers and XXXX XXXX mortgage license shall be revoked.
Product: Credit reporting or other personal consumer reports

I have submitted multiple letters on XX/XX/year> and requesting for accounts to be removed from my credit report. I've also requested for the investigation was done when the allegations from Experian stated they verified the accounts. I have not received any letters or any updates from Experian. This is a violation of FCRA Conducting sharm investigations that fail to properly address consumers disputes : Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher 's response to the disputed information even when that response was improbable or illogical on its face or when Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when this response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable Experian. FCRA 's requirements. Disputed intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. Under, 15 U.S.Code 1681b- Permissible purposes of ( a ) In general subject to section any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights.15 USC 1681 E COMPLIANCE PROCEDURES ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I am requesting for these accounts to be deleted Immediately, XXXX : XXXX, XXXX : XXXX, XXXX {$880.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

From the very first day the employee of Conns did a wrongful contract and I didnt know, like a month I when to the store and the employee told me I cant canceled cus i dont have house insurance! I contacted the company Conns headquarters and explained that the company is doing a wrongful contract, obviously the company Conns doesnt want to admit that they did something wrong. By law they are at fault they provided a wrongful contract to me and thats against the Law. For months in the beginning of 2024 I tell them over and over but they dont like when someone is telling them that they are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.
Product: Debt collection

NCB Management Services Incorporated Contacted me via telephone on XX/XX/24, rep was extremely rude and hung up on me after I verbally made my request stating they were not required to provide the requested information. Today XX/XX/24 I received a letter in the mail stating that the company needs more time to locate my requested information.
Product: Mortgage

I am a veteran trying to refinance my property. I was working with Loan Depot to try and lower my interest rate and take some money out of my property, and was told I needed an appraisal. I paid for a VA appraisal of {$600.00} and had the appraiser come as scheduled. After my appraisal was complete, I suddenly stopped getting communication from Loan Depot. Three weeks went by since the time of the appraisal, and still nothing.

I tried to call and ask the appraisal company, who had called me to schedule the appraisal, if I could get a copy of it. They told me that Loan Depot had the appraisal and that it would be up to Loan Depot if they were going to release the appraisal, which I paid for, to me! 
I reached out to XXXX XXXX at Loan Depot, the individual who was selling me the loan, and I was told that I could not get a copy of the appraisal until I closed the loan with Loan Depot. I am effectively being held in limbo because they have since cancelled my loan but still refuse to give me, or any other company I try to have help me, a copy of my appraisal. 
I have spoken to many individuals, both at the appraisal company, and Loan Depot. I have been given conflicting stories about where my appraisal is. On one hand, they are telling me that once completed, they are contracted to deliver the appraisal in 7 days, and the next person I speak to at Loan Depot is telling me they have never received it. I am extremely frustrated and feel as though my money is being held over my head in the form of an appraisal to coerce me into doing business with Loan Depot. 
XXXX XXXX and XXXX XXXX and XXXX XXXX have all been involved and are refusing to help me get this appraisal.
Product: Checking or savings account

Bank of America has not provided me with my account statements for my Prima Interest Checking Account # XXXX  despite three requests. The last paper statement I received from the bank was for the period XX/XX/XXXX thru XX/XX/XXXX. I need all the periodic account statements startingXX/XX/XXXXthereon thru to the account closing statement dated XX/XX/XXXX. In addition, I need a copy of the account opening documents ( Personal Signature Card with Substitute Form XXXX  ) bearing my signature.

I also need a statement for my Investment CD Account # XXXX XXXX XXXX XXXX, which again was never mailed to me.

The statements should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Simultaneous examining my updates, the wrong information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I sent a letter to the Equifax Credit Bureau but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any evidence provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports :
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Student loan

i have a student loan with NAVIENT, upon looking at my credit report i noticed i have 14 missed payments from NAVIENT. I recently called them up to set up a payment plan to get ahold of my student loans. It was expressed in the past that i had a rough time after graduating college so i was going to be unable to make payments. I was told that i would be able to put my account in Forbearance. it was explained that it is a period during which your monthly loan payments are temporarily suspended or reduced for a year. During this time i was trying to work, i did not have access to a phone, email barely had a place to live. When i finally got a part time job i was able to turn my pre paid phone on and i was contacted from NAVIENT, i put my account in forbearance for another year so i can get on my feet. The issue today is when having my account was in forbearance NAVIENT reported me to the credit bureau and stated i have missed 14 payments. This is inaccurate information. I recently called NAVIENT they stated they can not help me stating their records indicate they tried to contact me, i explained i had no means of communication, due to me not working i had no phone, also i was under the assumption i was good with my student loans since i was told my account was in forbearance. A representative from NAVIENT said " send a letter to the credit bureau attached with my credit report and dispute it '' that is all she could assist me in today. 

The fair outcome would be to take off the late payments that NAVIENT claim i missed. I currently work for the state and i am able to make my payments. I am up to date on my payments, enrolled in auto pay and i pay extra on my loans each month.
Product: Debt collection

A collection agency reporting on my credit report CBB Collections is reporting two accounts. I have no knowledge of these accounts, they have not contacted me, by phone, mail or any other means. I called them to find out why it was there and what exactly it was approximately 30 days ago. This company was unable to verify my information fully, also was unclear what this was it took them sometime to figure it out. I attempted to resolve the accounts while on the phone call and because they could not verify some basic information I could not see spending almost {$2000.00} on something that could possibly not be mine. I requested the information they had and still havent received anything from them, I also have disputed this information and it still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX, This is third time going though this process and these 2 fraudulent accounts continue to remain on my credit report. I ask that they be move immediately. I have already sent in all documentation including police report and affidavit. For the most part I am ecstatic that most of the fraudulent accounts have been removed from my credit report. But these 2 account remain. Transunion has not removed the ( XXXX XXXX XXXX XX/XX/2016 {$830.00} after 2 month it still remains on my credit ... XXXX and XXXX has not removed the fraudulent collection ( XXXX XXXX/XXXX XXXX $ XXXX..This is weird because I've never in my life had an account with XXXX!! !!!!! Or XXXX XXXX  for that matter. I am trying to get a home an these items continue you negatively affect my credit. I am asking under the FCRA that these fraudulent accounts are removed with in 4 days. Keep in mind I have already opted out of arbitration .and I do have legal representation to assist me in this matter. Please remove accounts immediately. 

XXXX XXXX XXXX  XX/XX/2016 {$830.00} XXXX XXXX XXXX/XXXX   XXXX   {$560.00} The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : XXXX, Trans Union and XXXX. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA. 
The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity. 
The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked. 
If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA.
Product: Debt collection

On XX/XX/2021, I sent XXXX XXXX XXXX to Westlake Financial, in which they didn't respond. On XX/XX/2021, I sent Westlake Financial XXXX XXXX XXXX with the opportunity to cure ; still no respond which places them in default. I'd like to resolve this issue by providing me with the following : Title lien and free Account reported as paid on time & paid off to credit report XXXX out my balance Pay my invoice of {$59000.00}
Product: Debt collection

I believe the case started 20+ years ago. My original debt was with XXXX XXXX Credit Card. At the time I had a {$300.00} limit and lived in Illinois. I would like to stop the garnishment of my wages as I am barely able to pay my bills.
Product: Debt collection

XXXX XXXXl is a fraudulent company. I want to get this off my credit. I will pay it but not them. I just want a different company or way to pay it.
Product: Credit reporting or other personal consumer reports

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX transunion and XXXXXXXX credit agengies but it has came back as verified on tranunion and XXXX but XXXXXXXX  deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on Transunion and the last activity on XXXX is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Checking or savings account

They have issued fees to my checking account in regards to atm transactions and debit card transactions which is against the Overdraft Protection Act of XXXX. I have reached out to them to have them reverse the fees and they have denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that TransUnion remove an unverified account that has been placed on my credit report from XXXX XXXX XXXX. I have no agreement with XXXX XXXX XXXX and requested a Cease & Desist previously. The company never provided any verification information before placing this account and still placed the account after I requested them to cease & desist. I informed TransUnion and XXXX  of this error and the account is still reflecting on my account. It is my right to only deal with the original creditor and not a collection agency that I don't have any kind of income agreement with.
Product: Vehicle loan or lease

When I make an extra payment to my Wells Fargo Auto Loan, they are not applying it towards the principal but instead they are taking out additional interest and applying it towards future payments. They advised me that I will need to call them every time I want an extra payment applied towards the principal. On XX/XX/18, I made an additional payment of {$200.00} towards the principal. They only applied {$170.00} towards principal and {$26.00} toward interest. On XX/XX/XXXX, I added {$200.00} extra to my payment and on this one they just extended the next payment date to XX/XX/18 instead of keeping the same payment dates. I have never seen this type of practice done with a lender and it is deceptive to do this.
Product: Credit reporting or other personal consumer reports

Not sure of actual dates, or amounts. The address is wrong, and I information was, also, a part of the security breach.
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

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  filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref XXXX XXXX XXXX XXXX  ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to use my social and name to apply for multiple credit cards. 
My credit report for XXXX XXXX XXXX XXXX inquiries from XXXX XXXX and XXXX, XXXX shows XXXX : XXXX from XXXX  XXXX and XXXX from XXXX. 
None of which were me.
Product: Debt collection

In conversation prior to me making a payment, I talked with the collector, and we verbally discussed if i was to make the payment of {$390.00} Reg Debt {$780.00} that this will be removed off of my credit report, 30-45days after. it never was removed, I also asked for this to be in writing, i never received the letter in written, I called back months later due to this debt not being removed off of my credit report, after paying this company with no proof that the debt was even mine. I paid like a man. I spoke a female and the story is different she said were not removing this debt off your credit report and i said are you sure because this debt that i already paid and we agreed that it will be removed months prior and she said we will not be removing this debt and i said that wasn't the agreement because if it was i would not have paid them and let the debt sit for 7yrs but that's not my charter and that wasn't the agreement this is harming my credit report i have lost way more from this company/debt collector showing maliciously malice to me an i paid them, it's not like I didn't pay them, i paid them and they simply just refusing to comply, with no penalties how??? But i have to still pay for a debt that i have paid. If I need to get a legal time involved I will, this is my life here and no one cares but me no one should care but me and that is why i am taking these actions to get this issue resolved. Please remove this collection off of all my credit reports. In my attachment box will be two files the file that is labeled XXXX is a picture of my current credit report it a screen shot of my current credit report with false information as well which would totally show that CCS Collections the Debt collector is reporting an open balance of {$780.00} on my credit report I have been denied several loan and credit card opportunities which not only caused me to be homeless i also racked up a ton of inquires due to this collection being a huge eye sore to myself and banks/lenders i do not know what is CCS Collections issue with me i paid them nearly 10-months ago and I have to go through this depressing matter that I clearly, cleared up on my end