23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Transunion stating that they had experienced a technical issue which impacted the freeze on my file, and that I should call if I noticed any inquiries on my account. I called and was told I was never sent a letter. I was very concerned as I had to input all my personal data on the phone, including my full Social Security number, to get to an agent! I had to call twice, as I got caught in a loop that had no " go back '' or " talk to agent '' option. Finally got a rep who insisted and/or continually repeated that : a ) I had no such letter, b ) the freeze was active, c ) the inquiries would not impact my XXXX XXXX, and d ) I go online to check my report. She resisted several times transferring me to the XXXX department. That rep told me the freeze issue had been resolved but was unable to give any timeframes as to when the freeze was impacted.
Product: Credit reporting or other personal consumer reports

This company omega rms has violated my rights as a consumer and upon request they have provided any documentation linking my or proving I am reliable for this debt. They stated that they mailed out a letter to validate debt I have not received it. They have no prove it was sent and if it was it was sent to the wrong address on purpose. They are using illegal tactics to try to make me liable for this account that I have no knowledge of
Product: Consumer Loan

In XXXX I financed a motorcycle loan with GE Money Bank, SYNCB/XXXX out of XXXX, SD XXXX. During the 6 years that the loan was in place I was late only XXXX time which was due to an error on my part and this took place in XXXX of XXXX. Since that time I had made special effort to pay all of my loan payments on time even paying more then the required amount with the intent of paying off the loan early. I even called in to determine the payoff if the loan was paid off early and was informed that the type of loan that I had it would not benefit me to pay it off early as there would be no cost savings or amount refunded to me for paying the loan off early. I was never notified that the loan matured prior to the monthly payments running out and that the total amount would be due in XXXX of XXXX. I was under the assumption that I would still have monthly payments and as long as I paid on time and the amount due all was good. 
However I found out this was not the case when I received a phone call in XXXX of XXXX with this regard and was informed that my total balance was due and that I was past due even though I had made my regular payment ( {$200.00} ) on the normal due date that some month but because it was not for the total amount due I was delinquent and past due. Even though I was surprised to hear this I immediately sent out a check for the total remaining balance ( {$980.00} ) on my account. 
Please consider this a formal complaint on the basis of Predatory Lending tactics and I would like to formally request that this derogatory record be removed from my credit file and history. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was in the process of purchasing my first home. From the start up to the scam everything was handled via email including payments. On XX/XX/XXXX I received what I perceived to be an email from the closing law firm on my purchase requesting for me to send my closing cost. 
Here is the email : Good Morning XXXX and XXXX, Congratulations on the final steps of your purchase of XXXX XXXX XXXX XXXX, GA XXXX Your closing has been scheduled and will be coordinated XX/XX/XXXX. You need to have Cash to close funds wired to XXXX, XXXX & XXXX, XXXX. today to avoid a closing delay. I will send the wire instructions to use for this closing once you have acknowledged the receipt of this email. 

Please note : You will need a valid photo ID or any form of ID at closing, ( passport, credit card, SS Card, etc ) You can send me an email if you need anything else. 


Thank you, we appreciate your business. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX Telephone : XXXX Facsimile : XXXX Email : XXXX Website : XXXX  NOTICE : This message contains confidential information and is intended only for the addressee. If you are not the named addressee, you should not disseminate, distribute, or copy this email. Please notify the sender immediately by email if you have received this message by mistake, and delete this email from your system. Email transmission can not be guaranteed to be secure or error-free as information can be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. The sender does not accept liability for any errors or omissions in the contents of this message which arise as a result of email transmission. If verification is required, please request a hard-copy version. 

The funds of {$5600.00} was wired to the information provided 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 XXXXhone ( XXXX ) XXXX, Fax ( XXXX ) XXXX WIRING INSTRUCTIONS Name of Bank : WELLS FARGO BANK WELLS FARGO BANK Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  of Bank : XXXX Beneficiary Name : XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Account Number : XXXX PLEASE NOTE : TRANSFERS OF FUNDS BY ACH ARE NOT ABLE TO BE UTILIZED. ONLY WIRE TRANSFERS CAN BE MADE TO THE ABOVE ACCOUNT. 

After being notified by my realtor that this was not accurate, she contacted the law firm and spoke with XXXX XXXX who I perceive as the best recipient of the funds. XXXX advise no email was sent and will get with her IT department. There was no resolve. I immediately contacted my bank as well as Wells Fargo but Wells Fargo refused to speak with me. My bank has sent a recall of funds to Wells Fargo but there has been no response or resolve from either Wells Fargo or the law firm in which both companies was used in this scam. I am now without the home I was in the process of purchasing.
Product: Checking or savings account

XXXX XXXX Closed My AccountWhen Fraud was done my account and no help was given Specifically, the dispute concerns Navy Federal Closing my account. I request that you thoroughly investigate this matter and correct any inaccuracies in accordance with the provisions of Section 1681, which includes the duty to maintain accurate records, and ensure compliance
Product: Checking or savings account

On XX/XX/2018 I was a victim of thievery. Through my XXXX account the perpetrator gained access to my Bank of America checking account. The perpetrator tried to obtain payments in the amounts of {$3500.00} and {$150.00}. i contacted Bank of America on XX/XX/2018 and reported the fraudulent activity. The amount of {$150.00} was paid and released. BofA permitted a claim to be filed for the {$150.00} to be refunded. However, {$3500.00} was in processing and since, my account would not have sufficient funds BofA stated that a claim would not be submitted. I was assured that a flag was placed on my account to prevent any requests of payments being made to XXXX, I would not be impacted any further and my account would be protected. My payroll is directly deposited into my checking account and also, I had sizeable checks that would need to be deposited to pay for Home Improvements being made to my home. On XX/XX/2018, the {$3500.00} was submitted again for payment. My funds were suspend and I did not have access to my account except for {$690.00}. BofA did not recognize the prior fraud, my account was not flagged, I was detrimentally impacted due to me not having access to my funds. I contacted BofA by phone since, I was working and the wait time was over 1 hour to speak with an associate. I then proceed to go to the branch. I then spoke with the bank representative who in turn had to contact the fraud claims. The {$3500.00} was in " processing '' and it was the policy of BofA to not release the funds. As stated this account obtains my payroll deposits, I had reported the fraudulent activities and yet I was not provided access to my funds at BofA.
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 1681. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, 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 an 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 or other personal consumer reports

Hi, the inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.
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 due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit card

yes i have capital one credit card. i tried to use it a week ago at a store and was declined, called capital one was told to send my nj drivers licence over by photo electronicaly they received it to verify it was my account waited 4 days finally they called me .i wasnt home i was working .when i called them later that night i was told there was more fragulent activity on my card i did not try to use my card since i was told there was some suspisious activity on my card. was told to send 3 documents on XX/XX/year> my drivers licence a utility bill and my social security card..we scanned them on our end it said sent succesfully when we contacted capital one .they said the documents were not able to be verified. we went over and over with them on this .and now without any explanation they have closed my account out indefintley without explanation telling me i am only able to make payments still. this should be considered criminal activity .i am having health problems dealing with this company.i shouldnt have to pay for something i no longer have. i now i have to pay the money back on the card but the way there handling this is a nightmare for me.i am even afrad to pay the credit card off becuase this activity from them is sketchy. please help i have no answers.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 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 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 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 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: Credit card

This has been ongoing since Monday. I recently signed up for a Capital One card to help rebuild my credit. When I applied I was asked to show my id in photo. I showed them my passport, I was approved for the card and have made some purchases with the intent of paying off my card in full within 25 days to avoid interest. This week my card was turned off suddenly and I was asked to call. I find out that they require my ID again, social security card, and a utility bill to " confirm my identity. '' I send it off and I receive a call today telling me that the documentation I sent was n't good enough and I need to send my social security card and my utility bill again. This is after spending two hours going back and forth with them and this entire process making me feel as if I 'm being treated like a criminal when I 've done nothing wrong. I sent my documentation and they said they ca n't do anything until Monday. This is just unacceptable practices and the fact they 've gone out of their way to treat me as if I 'm a criminal just tells me Capital One is a disgusting company.
Product: Credit reporting, credit repair services, or other personal consumer reports

A submitted a complaint on XX/XX/2023 report number XXXX on Experian. I asked that all previous addresses to be removed and updated with the address that I submitted via evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. 
XXXX, XXXX and XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting. 
Information provided to me indicates original date of delinquency of XX/XX/2015 which is now over 6 years old and is now time barred.
Product: Credit reporting or other personal consumer reports

there are 2 hard inquires in my Equifax credit report were NOT from me. One is from XXXX XXXX  XXXX inquired on XX/XX/2023. The 2nd one is from XXXX XXXX XXXX XXXX XXXX ), I need these two hard inquires to be removed from my credit report and also I want to make sure the two places ( XXXX card and XXXX card XXXX do not issue the store cards out in my name. Someone must have stolen my personal information and trying to open store cards to do shopping!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to bring your attention to an alarming discrepancy I discovered on my recent credit report, which indicates that a credit account has been fraudulently opened under my name without my knowledge or consent. 
The account in question is as follows : -Creditor : XXXX XXXX -Account number : XXXX -Date opened : XX/XX/2023 -Reporting balance : {$370.00} I unequivocally state that I did not open this account, nor have I given anyone permission to open this account on my behalf. I believe that I am a victim of identity theft and as such, this account is fraudulent.
Product: Mortgage

I was granted forbearance by Freedom Mortgage in accordance with the XXXX XXXX during the pandemic. I was an essential worker at the time. Coming out of the forbearance, I agreed to a loan modification. I submitted the appropriate paperwork to Freedom Mortgage on XX/XX/XXXX of 2022. I called frequently to ensure I had submitted the proper paperwork to them and was assured that I did. Many months later, I was asked to re-submit my loan modification paperwork. I complied and submitted my paperwork a second time on XX/XX/XXXX of 2022. I again called Freedom Mortgage frequently to ensure I had submitted the proper loan modification paperwork. I was again assured that I did. To my surprise in XXXX, I called my payment into Freedom Mortgage as online payment was not an option. The customer care representative stated that my mortgage had moved into pre-foreclosure. I have never missed a payment to Freedom Mortgage. I've maintained my mortgage in accordance with the stipulations outlined by my forbearance and loan modification option and was being told my mortgage was in the preliminary phases of being foreclosed upon. I submitted loan modification paperwork for a third time on XX/XX/XXXX of 2022. I have called multiple times since then and have been told of errors in the paperwork despite following the previous customer care individual 's instructions perfectly. At this point, the mechanisms intended to provide help to veterans that are their customers is broken. Freedom Mortgage gives the appearance of intentionally allusive requirements and insufficient communication to customers if there are follow-up items needed. It is now 10 months later, and Freedom Mortgage has failed to act. Interest rates are now at a peak from XXXX at the time of first application to XXXX now. A 100 % XXXX veteran, I will lose thousands of dollars that I would not have had to pay in principal and interest had Freedom Mortgage followed through in a reasonable manner to protect their customer, me, against the negative impacts of a global pandemic and while functioning as an essential worker during that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few years I 've been disputing an outstanding collection on my credit reports with experian and XXXX. The situation is i purchased a cellphone from XXXX through XXXX XXXX XX/XX/2014. I was told there was a 14 day return policy if i did n't like the service. The service was horrible and i returned the device. I was told the account was returned and close as i was switching back to XXXX.  Down the line a receive mail stating I owe XXXX XXXX XXXX for something that i returned and do not own. I returned to XXXX XXXX to get a copy of the retiring receipt which i forward to the collection company ( XXXX XXXX XXXX and the Reporting agencies ) I would like these accounts removed from my report being that i followed all guidelines of returning the device.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on

Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I sent you a FTC report on XX/XX/XXXX about these fraudulent inquires and you refused to remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not.15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. *** HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTURE STALL STATICS FROM TRANSUNION. 

Once again here are the inquiries that WERE NOT AUTHORIZED : 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
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AND PURPOSE. THANK YOU
Product: Credit reporting or other personal consumer reports

I am writing to report that I have been a victim of identity theft upon reviewing my credit report I noticed that Equifax has listed these XXXX accounts that I do not recognize and did not authorize the account which appears in my credit report is not familiar to me and I have never applied for this leasing agreement. To my knowledge this fraudulent accounts were open without my consent I respectfully request that this these unauthorized accounts be investigated and I urge you to remove it from my credit report immediately please provide me with any available information regarding the accounts including the account details please also inform me in writing that the fraudulent accounts have been removed from my credit report thank you.