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

Heres the updated CFPB complaint with the additional relief requests : Subject : Unauthorized Furnishing of Personal Data and False Identity Theft Report by XXXX XXXX XXXX Details of Complaint : I am submitting a complaint regarding XXXX XXXX XXXX ( XXXX ) for unauthorized distribution of my personal information to financial institutions, including American Express, and for inaccurately reporting that I was a victim of identity theft without my consent or knowledge. 

Upon discovering that XXXX XXXX was furnishing my personal data, I filed a dispute with the company to address my concerns and prevent further sharing of my information without authorization. However, rather than addressing my concerns accurately, XXXX XXXX falsely reported my information as associated with identity theft to American Express and possibly other institutions. This report led to the closure of my American Express account based on misinformation, which has harmed my financial stability and credit standing. 

I believe XXXX XXXX has acted irresponsibly by reporting inaccurate information and failing to verify the facts of my dispute before labeling it as identity theft. This constitutes a serious breach of trust, privacy, and due diligence, as well as unfair and deceptive practices under consumer protection laws. 

Unfair and Deceptive Practices Violated : Unfair and Deceptive Practices XXXX XXXX actions may constitute unfair and deceptive practices under Section 5 of the Federal Trade Commission Act, which prohibits unfair or deceptive acts or practices in or affecting commerce. By falsely reporting an identity theft claim and failing to verify the facts before submitting this report, XXXX XXXX actions are misleading, harmful to consumers, and violate 12 CFR Part 1022, which mandates accuracy and diligence in consumer reporting.
Product: Credit card or prepaid card

My account was hack a few days before XXXX, Im working in the XXXX as an XXXX over 130 hrs a week for someone to take my funds from my account and move to ( XXXX XXXX XXXX XXXX ) another then closed the account without my authorization. I spoke with countless of representatives to the floor managers as well through about a dispute over emails and phone calls no one can help me not even with a print out of my past transactions from XXXX showing the money being taken so I can show proof to authorities to pursue filing the police report whomever took over two grand out of my account. Chime ( XXXX XXXX ) has not done anything to assist me with this matter and Ive been banking with them for over 1 year and this is the first and last time Ill never bank with a crooked company such as this one again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items reporting that have not been updated to the correct status. 
XXXX XXXX exceed 7 years. 

XXXX has some questionable practices that seem to leverage the consumer. After calculating my loan I am on the hook for $ XXXX on a $ XXXX vehicle. 

XXXX XXXX XXXX paid in full. 

OCSE/Child support information where do I start, information is injurious to welfare. Information is no where near accurately reporting. 

XXXX XXXX XXXX is the only correct address listed among the 18 listed. 17 not mine. 

XXXX is my correct phone number the others are not nor have they ever been listed under my name. Remove obsolete personal information asap
Product: Student loan

I have a private loan with Navient and the company gave me option rate reduction for 9 months and this could have been extended to 36 months I was told on the phone ( 9 months ago ) I set up ACH through my checking account to pay this. Now after 9 months they do not want to re-evaluate my situation ( my financial income has not been changed since 9 months ago ). I called Navient today I was told the rate reduction does not apply to me any more. I asked for them to provide me a letter reason why I can no longer be eligible for rate reduction the answer was " we do not have to provide that to you ''. I believe based on my income I am not able to pay both student loans private and government unless there will be a reasonable solution to this. For past 9 months rate reduction has helped me temporarily continue living above poverty and attend school. I believe Navient deliberately creating all kind of obstacles to repayment and their action is illegal and they are discriminating based on my origin ( my name simply can provide my nationality ) they refused to this day backing up their claims in writing and that is a red flag. 
I am willing to pay my student loans based on my income. I am contacting my senator and state reprehensive to my area to informed them about this fraudulent activity from Navient. The company has been under fire from other borrowers for same reason which is called a " deceptive business practice ''.
Product: Credit reporting or other personal consumer reports

Date of last payment is inconsistent with what's being reported with XXXX. XXXX reporting XXXX Experian reporting XXXX. Date of delinquency is also inaccurate, XXXX reporting XX/XX/year> Experian reporting XXXX. This should be reporting the same if information is coming from same creditor. Remove from my report ASAP due to FCRA Noncompliance. 15USC 1681E Compliance Procedures- whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures for maximum possible accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, a series on letters to XXXX XXXX XXXX XXXX to correct inaccurate information was submitted in writing to provided address. As XX/XX/XXXX, Information has not been corrected. Have filed online disputes and have tried to call for an in person effort to correct the problems, but inaccurate information still remains. 
I have tried diligently to repair credit and correct information as to show positive steps in securing better scores for the future.
Product: Student loan

I was part of the XXXX act that all my students loans were supposed to be cleared and they haven't cleared all of them. Navient keeps holding on to XXXX loans which area part of that.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information about this matter, and the company proceeded without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 credit cards with capital one & only one of the cards has been reporting on my credit report for almost a year. Both cards are still active and up to date but only one shows up. Ive called capital one several times and they say they are reporting both cards but I explained to them both are not reporting and they keep telling me to write them a letter.
Product: Credit card or prepaid card

DISCOVERIT CREDIT CARD, I had complained to this company about the XXXX XXXX charged, I never authorize {$99.00} with phone number PH : XXXX response were : " box full '', no matter how many times I called. This is the second month this same charge showed up again and billing me again. This exact same charge was removed last month, but today I received the same company charging the exact same charge again, so I went online as their phone response directed me to go at : Discover.com. I noticed that on my online account it shows the exact same amount but on the next space it shows and it states : '' NO transaction to view ''. I then started to fill up their survey with a very bad review and then their software is messing up my notes I was typing in. Their online CHAT name XXXX started to read and started view the notes I had written, then few minutes later while I was waiting for him, the online chat disappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and XXXX XXXX had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
Product: Mortgage

On or about XXXX XXXX, XXXX, I had damage to my home from hurrican XXXX. I submitted my claim and my Insurance company, XXXX, paid out {$64000.00}. The check came out in my name and Shellpoint Mortgage Co. I called Shellpoint and they stated they will send me forms to fill out. After filling out the forms and signing the check, Shellpoint told me to mail it in. I asked can I send it certified or by XXXX? She stated no because they do n't do that anymore. ( paper trail ) I felt uneasy about that amount being sent in but felt even more suspicious when they told me that they charge fees for Inspections, if I do the work myself, they want me to do a material list with prices, they do n't reimburse for labor, if I do upgrades or do more than what is on Insurance Estimate or my material list, it wo n't be reimbursed. WOW! I told her that I planned on doing the work myself because I built the house myself and I could bring the value up much higher on the property but if they do n't pay what the Insurance company pays what happens to the extra money from the insurance company. She states that after all the fees from them, what ever is left will be applied to my principle or they give it back to the insurance company. THIS SERVICING COMPANY IS VERY SHADY! I called the NC Attorney General 's office and they agreed. They ask me to send in a complaint and I did. ( No Answer yet. ) So far we have spent out of pocket over {$30000.00} for new HVAC Units, Plumbing, Electrical, Framing, Roof, Windows, Doors, Engineer, Labor, and Trash removal. We are at a standstill as of now and have to be finished and moved back in by the end of XXXX XXXX. After all this I have tried to find out the owner of the Deed. XXXX says XXXX XXXX XXXX, XXXX says XXXX owns it, XXXX says Shellpoint Services it but XXXX owns it. Everyone is passing the buck. I ca n't keep going like this. We need to finish the house because our insurance company is not going to let us keep renting after the end of XXXX XXXX. I did call back to Shellpoint because if I misunderstood something I wanted to double check. The lady there stated everything just like before except after I told her I contacted the Attorney Generals Office she stated that they would waive my so called fees. I then told her that Shellpoint was in breach of contract. She stated that the claim was their loss, not mine. She also stated to nip this in the bud- I was not allowed to do the work myself because I was not a XXXX. I told her XXXX and will fix it myself and if they wanted to stop me, they know where I 'm at. My deed states everything. Oh and when you sign the paperwork and send it in with the check, you have to sign a lien waiver before getting any funds. My deed states clearly what and how it should be done. Not to mention other issues like, monthly statements not being sent to me or applying my payments correctly. Borrowed {$230000.00} over 11 years ago and my balance is at {$210000.00} as of last month.
Product: Credit card or prepaid card

OnXX/XX/XXXX a BILLING ERROR, letter of validation was sent to Citi credit card. I received no response. On XX/XX/XXXX I sent a second notice. I received a threatening letter stating they will report my account onXX/XX/XXXX. They also stated my account was valid without any correspondence or proof. Under the FCBA I have exhausted my administrative rights. The law states they have to acknowledge within 30 days. 90 at the most! It has been well past 90 days and all I 've received as of todayXX/XX/XXXX are copies of some account and threats stating they will report my account to the three credit bureaus as delinquent. I know my rights! This is fraud!
Product: Debt collection

On XXXX-XXXX-18 I have sent a, ask to validate so called debt I owe to the creditor and the bureau I have yet to properly receive anything from the debt collector themselves. 

According to the Texas state secretary website XXXX XXXX   Does not have a active surety bond to collect in the state of Texas. Please assist in removing this from my credit reports.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 : High yield interest savings accounts. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offended by the 360 performance savings accounts. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Checking or savings account

Response to Comerica false statement. I have experience financial abuse from Comerica. I closed the bank account. They had to pay me a XXXX XXXX  check in which they failed to put in there statement. They closed all my accounts and they justified the behavior by saying that they could not prove my identity. XXXX XXXX stole XXXX, XXXXXXXX XXXX from me in XXXX. Comerica stole XXXX and closed my account putting false information on XXXX XXXX In which I lose XXXX, XXXXXXXX XXXX due to the issue of comerica. the checks I wrote was to pay my rent and they were starter checks in which the bank provided to me. If they were counterfeit the Comerica bank provide me those checks. In which should not be held responsible. I was in the process of putting my money into the account. When I talk to the fraud department and shared that they kept saying they had no record of the account I open. I could not take out XXXXXXXX XXXX from the ATm. I closed the account due to Comerica being to far and I could not get access to my money. That I put in the banks with cash. There was no fraudlent behavior. they are reporting on information that I reported in the past when I bank with them. I would like Comerica to know that I put in a complaint with the michigan attorney general due to the impact of this situation. It cause me to cry every day and almost got me evicted from my place. Due to Comerica, I could not pay bills or open up another bank acount. I would like them to removed information off the XXXX XXXX  and provide me a check for XXXX or I will follow-up with a lawsuit. 

I have attached the check that comerica sent me for XXXX XXXX ask proof that my account was never in the negative. That I close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX  back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email XXXX  customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CREDENCE RESOURCE MANAGE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address inaccuracies on my credit report regarding variations of my name. The following entries are incorrect and should not be associated with me : 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  These variations are not accurate representations of my legal name and create unnecessary confusion on my credit profile. I have never used or been known by these names, and their presence on my credit report is negatively impacting my ability to maintain accurate records. 

I am requesting the immediate removal of these inaccurate names from my credit report by all credit reporting agencies to ensure the integrity of my personal data. Please take swift action to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old Benz lease account was closed. 
This new lease account is not under my name
Product: Mortgage

I submitted a request for a modification of my loan on XX/XX/XXXX on company website at which point I received an email stating that they will be contacted within 45 days, to date the I have received two letters asking me to call them for a required interview. I called the company both times and each time was told that its an auto generated letter and that I did not have to worry about an interview. I asked the first representative for a status and again got a general reply that my documents were received and will be processed. I asked the agent to check that is was being processed and she found that my file was never processed. She submitted an escalation and on XX/XX/XXXX and was told they had 45 days from XX/XX/XXXX for them to process it. I called again after 45 days and was told the file was still in progress. on XXXX/XXXX/XXXX I spoke with XXXXXXXX XXXX XXXX XXXXXXXX, told me that request was still pending. I called again XX/XX/XXXX spoke with XXXX who was kind enough to look further into why the hold. after a 20 minute hold she came back on the line only to tell me that although my file has been escalated several times it remains untouched. She was going to file yet one more escalation took down my number and promised she will call me back. Today is Friday and still I have not heard from anyone nor have I received any correspondence from my mortgage servicer XXXX with any sort of communication. Not by phone, email or mail on the status of my modification request. 


Please help me with this. I am afraid they are dragging out this process so that they can come back to me with predatory modification options to make me lose my current low interest rates or offer me a much higher XXXX, My income has decreased substantially and I have incurred major expenses of repair on my home and car that have set me back quite a bit. I am am asking for a modification to retain my current rate and either lower my current monthly payment or bring all my current outstanding balance to the back of my loan and keep my interest rate and monthly payments in tact to allow me to make start making payment moving foward from the approval of my modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violatons attached and cases that my information pertains too
Product: Credit card or prepaid card

I had a  Netspend  account since  XXXX   XXXX . I had no issues with them until this paycheck did not come into my bank account via direct deposit. Beforehand, I have overdraft with their card and was not able to pay it back until I got this job I am working at now. I am supposed to be pay by the latest Friday at   XXXX    (   XXXX   XXXX   XXXX  ) and I still have not received. I called Netspend on Thursday to verify if my account is active and in good standing and I was told that it is. When I ask about my direct deposit for work, I was told they can not access that information.
Product: Credit card or prepaid card

Because of astoundingly bad customer service, I four times in writing ( electronic ) instructed " Nordstrom '' VISA ( actually TD Bank ) to close my account and tender the approximately {$500.00} in credit balance. 

Each time, they demanded that I phone. 

When I returned from my church retreat, I phoned. I was placed on hold repeatedly, totalling about 25 minutes. Finally the attendant asked me to call again another day ... the person who wished to speak with me was not in, AND they did not know that person 's work schedule. 

This is so typical of the service I have received recently from them. Time to part company forever.
Product: Debt collection

Portfolio Recovery Associates contacted me earlier this year, it was a phone number from Tennessee. Woman left a voicemail and told me to contact them. I mailed a letter to their headquarters requesting they stop calling me, and asked them to provide written documentation that I owed whatever they were trying to collect. About a month ago I got another call from Portfolio Recovery, this time from a California number. They did not leave a voicemail. Last Thursday, XX/XX/XXXX, at XXXX pm, I received another phone call from Portfolio Recovery, no voicemail. That phone number was ( XXXX ) XXXX. At no time has Portfolio provided me any information via the USPS mail. 

I have no debts of any type. I own my home and car. Student loans were paid off 30 years ago. Credit cards are paid in full each month. My credit reports show nothing. I want the phone calls to stop.