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

I sent a request to Experian to remove XXXX XXXX XXXX XXXX XXXX because of identity theft. Experian sent me a letter stating they did a reinvestigation and verified my information with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). Experian did not remove the information as required by 15 USC 1681c-2 ( a ). Experian violated my rights by contacting XXXX for a reinvestigation pursuant to 15 USC 1681d ( 4 ) and 15 USC 1681i ( 5 ) ( A ).

I have filed an Identity Theft Affidavit with the IdentityTheft.gov website and do not understand why Experian would contact XXXX with my information ( ssn, birth certificate ) and other PII, when XXXX is the company that did Identity theft. MBFS gave my personal identifiable information ( PII ) to a third-party company who stole the vehicle from my home, which is the reason ID theft was filed against them. 
In addition to identity theft, XXXX has sold the alleged debt to a company called XXXX XXXX XXXX with reference number ending in XXXX.
Product: Checking or savings account

The amount of XXXX was taken from me by XXXX. There was a claim filed then I got the money back. The bank reversed the claim and forced me to pay it back. The claim was filed XX/XX/2018. Wells Fargo gave the money back then claimed it wasnt fraud by forcefully taking me into saying it wasnt.
Product: Credit card or prepaid card

Hi, I've been trying to make a payment arrangement with my credit card company to avoid charge off. I called on XX/XX/XXXX to make a payment arrangement for XX/XX/XXXX. I call on XX/XX/XXXX and I'm notified the account will be closed as a payment will not be posted in time to avoid charge off as it had to be received by XXXX XXXX. I called around XXXXXXXX XXXX. I was told to call back later to explore other payment arrangements. I've been struggling financially due to reduction in income and increased expenses these past few months.
Product: Credit reporting

They are reporting a lien on my credit, I have no lien.
Product: Debt collection

I signed a contract with Apple Law group firm in hopes to consolidate my debt with them and pay a lesser monthly amount to them versus paying several debt to several companies. After two years of making payment to Apple Law group and still receiving numerous of phone calls from my creditors ' I was informed that no one from Apple Law group had contacted them in regards to settling my debt. In the contract I am advised to no communicate with my creditors because that is why I am paying Apple Law firm lawyers to do for me. I tried to contact the Law firm by phone calls, faxes and email correspondences ( that I have on file ) and received no calls back until I put a stop payment on my account. Once I finally spoke to their XXXX and only representative by the name of XXXX XXXX and told her about my concern, I asked for a full refund and only received % XXXX ( {$330.00} ) of what I paid out. I asked to be sent a bill stating all of my charges and proof of the companies correspondence between my creditors and the law firm sent a bogus made up bill to me showing that they 'd billed me {$30.00} for having an attitude, {$15.00} for phone calling in to the firm and inquiring about my account, I was even charged for paying on debt that I specifically asked them to take off my account and they responded back to my request to delete the creditor off my account, the list goes on, etc.. I 'm currently trying to resolve paying back what I owe to my creditors but I 've lost {$3900.00} to the Law firm, which would have been almost half of the debt that I still owe. This company stole from me and will continue to steal from others if they are n't stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to TRANSUNION. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Money transfer, virtual currency, or money service

Our credit card was hacked after paying someone through PayPal. Our bank cancelled our card, but I just received a letter from PayPal Credit advising me of a newly opened account. I did not open this account and a phony email address is listed for me.
Product: Checking or savings account

I have had four NSF fees of {$29.00} charged to my account. Two on XXXX, the third on XXXX and the fourth on XXXX. All of these fees were from my account going into overdraft ; however, poor money management and budgeting were not the reason why. All four of these fees were from my account going into overdraft because of other, outside companies, incorrectly charging me. My bank, USAA, will not return the fees and refuse to do anything about the situation even though their fees were often the cause of the overdraft etc.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if it states Unknown payment history. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card or prepaid card

Re : XXXX XXXX Account # XXXX/Capital One Bank This is in regards to a credit card charge made on my account for {$1000.00} on XX/XX/2022 without my permission in XXXX, AR XXXX. I have no idea who made this charge and I do not want this to impact my credit. I have contacted XXXX XXXX and they closed my account but they gave me an explanation that the charge would have to post than reversed. I would like to know why? I never purchased the items. I am a senior citizen and I do not need this type of stress based on not reversing the charge right away. 
XXXX XXXX needs to do an investigation on this issue. 
Phone # XXXX XXXX XXXX
Product: Mortgage

My mortgage was recently sold to Caliber Home Loans, Inc. My payment was due on XX/XX/2016. I logged into their system at XXXX cst on XX/XX/2016. It would not allow me to enter a payment date until XX/XX/2016, thus making this payment late and incurring a late fee. I completely understand they may not be able to process my payment until then, but there 's absolutely nothing preventing them from recording my payment on XX/XX/2016. I attempted to make a payment before it 's even due, yet I ca n't. This is a deliberate act on their part to ensure I am late. thx.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed the charges and still no actions yet
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, I have, to no avail, been disputing erroneous tradelines that have been reported to my Equifax Credit Report. Once the credit reporting agency responded stating that the erroneous tradelines where verified by the furnishers as belonging to me and accurate, I requested from the credit reporting agency a description of the method that they used to verify the erroneous information. The credit reporting agency has failed to provide that information to me within the allotted time frame but is still reporting the erroneous information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called EQUIFAX at least 4 times over the last 3 months in writing and over the phone to remove a fraudulent account reporting from XXXX XXXX. As of XX/XX/2022, they have stated the account with {$8600.00} in charges has been " Verified '' but have failed to provide me with the original contract that I allegedly signed to create the debt, no sworn affidavits of verification, or similar oaths made in the presence of a notary public/authorized person. 
I am reaching out to EQUIFAX to either provide me with sworn verification or correct their records as it is hurting my person. With a fraudulent account reporting on my report, my credit score is impacted and for the first time in my adult life, I am unable to obtain credit to pay my rent, gas, and other bills. I had {$6.00} in XXXX of my checking accounts the other day. It was humbling, and all I want to do is get back on my feet. EQUIFAX 's negligence is hurting individuals like myself, when no XXXX individual can stand for the company and state the claims they send to me in the mail.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX XXXX
Product: Checking or savings account

an unknown individual attempted to open a bank account under my name at bank of america where I already have an account. the attempt was unsuccessful as it was detected by the fraud department at the bank.
Product: Checking or savings account

I asked them to close my account on XX/XX/year> and I have not received a check in the mail. When I called today they said there " was a glitch in their system '' and they put me on hold. While on hold I researched them on the web and saw that they were just fined {$3.00} million by the CFPB so I really became concerned. The agent came back on the phone and told me I'd have my check in 5 business days. Obviously I have XXXX confidence in receiving that money in that time frame, if at all, and this is causing me great distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX
Product: Debt collection

I became aware in XX/XX/XXXX that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier. I contacted XXXX XXXX XXXX - the provider in XX/XX/XXXX and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and XXXX and XXXX  removed the items. However, XXXX did not ( see attached ). In addition to collecting for a debt that is not owed, this is clearly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.
Product: Debt collection

I recieced a phone call from these people this morning at XXXX XXXX local time. The collection company is XXXX XXXX they called from a XXXX XXXX phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$18000.00}
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I had noticed a deposit to Robinhood with my bank bounced and I cleared it with my bank that it was legitimate. They instructed me to try again, at which when I tried to, my Robinhood account was frozen. They said my account is restricted for unusual activity. Said I would receive an update by XX/XX/XXXX. I'm writing this the night of XX/XX/XXXX. I have had almost no communication from Robinhood, I've requested calls back and have gotten nothing. They are holding my account XXXX and I can't even complete my deposit.
Product: Payday loan, title loan, or personal loan

I recently opened a line of credit with a company called XXXX. They transferred my loan to Monterey financial. My first payment of {$130.00} was due on XX/XX/23. I set up recurring payments on XX/XX/23 to have the bill paid monthly on the due date and have the email for reference. On XX/XX/23 I checked my checking account and they took out the {$130.00} as well as an additional {$120.00} without my approval. When I visited my Monterey financial account, they did not have any payment history available for me and it now is reporting my account is past due {$250.00}. I attempted to contact them with no success. Their lending practices are predatory in nature and based on multiple reviews I can see I am not the only person with issues with Monterey financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Checking or savings account

Hi I have a small business account with Axos bank, opened in XX/XX/2020. They didn't provide good service, so I didn't use it for my business transactions. However, I kept {$25000.00} in their savings account since they were offering good interest rates. 

I desperately needed that money now for my business and wanted to withdraw and close the business savings account. 

My online access was suddenly blocked. I had logged in to get my 1099 INT for tax filing few days ago and it was fine. When I called the bank, they said it was a glitch and my account balance is showing XXXX at their end but it has been 2 weeks since I found out that I can not access my account. I did not withdraw or make any transactions on that account. It was left there as a buffer when I needed it and allowed to grow. 

They now disconnect when I call and my online access is still blocked. With 2 years of accumulated interest, the account had ~ {$28000.00}. Now, the bank has just taken it all without any explanation. 
Initially, they said a senior manager will call to sort it out and get my money back but not one person has called back and they disconnect my calls. 

Please help. It is my hard earned money. How can a bank steal my money this way. I have been trying to contact various commissions for help with no response.
Product: Credit reporting or other personal consumer reports

XXXXCapital One has a late payment on my credit report ; XX/XX/2021 XXXX XXXX XXXX XXXXXXXX has a late payment on my credit report ; XXXX XXXX has a late payment on my credit report as well. Privacy and Consent- There is no law stating that any transaction need to be reported. 

15 US Code 1666B- billing error
Product: Student loan

I moved my loans to XXXX XXXX XXXX in XX/XX/XXXX when i began working for the XXXX of XXXX XXXX. After multiple rejected employment verification letters, i have vowed to start paying my loan off asap and forgo public student loan forgiveness. I currently have my payments set to direct debit on the XXXX of month. When i decided to explore the best strategy to repay my loan early, i was disappointed on how little information was available on the website to maximize my savings. After hours of phone calls and multiple emails, i was able to set up my loans so that additional payments did not get applied to future payments. Along the long road, i also found that in order to apply all of a payment towards the principle balance, the payment had to be made on the same date of my direct debit ( XXXX of the month ). All account reps i talked too did not understand what it meant by my request to make my extra payments be applied to " principle only '' In XXXX, XXXX, XXXX, and XXXX have the XXXX fall on a weekend. Due to their policy, you can not make additional payments on the weekends by phone or online. So the only option is to pay extra payment the weekday before the XXXX of the month. This practice is not advantageous to the borrower as the payment will be fully put towards the principle balance and help me suffice my obligation to the government. 

In addition to not being able to pay on the weekend, my account is listed as past due, 2 days after my direct debit was scheduled. This is causing me undue stress because even when i called yesterday, the representative could not tell me if my direct debit would be processed and i would not be considered late. I had a similar instance in XXXX where the account rep could not tell me with confidence that my direct debit had taken place. The only thing they offered me was to make an additional payment, which seemed predatory as my direct debit was processed in the days after the due date. 

Also, my direct debit is not listed as a scheduled payment on my online fed loan servicing account even though it has been taken from my bank account today. 

In summary, the process to make payments to reduce my principle balance is too complicated and not set up to to benefit the borrower. Also, if direct debit payments can be scheduled for the weekend, additional payments should be allowed on the weekends. Finally, payments take too long to process and are not reflected accurately in my online account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$250000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260000.00}
Product: Credit card or prepaid card

On XX/XX/17 I used a 0 interest for 6 months offer from Wells Fargo and deposited {$4000.00} in my account to purchase a car. I have been charged huge account fees and interest rate when the offer was for 0 interest. I complaint 3 times and I asked for a statement that shows how the interested was calculated. All 3 times I was denied of the statement and an account representative said that the offer expired in XX/XX/XXXX. 

The 0 % interest offer was for 6 months and not for two weeks. Please instruct Wells Fargo to comply with my request for a statement that shows how the fees and interest was calculated. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$0.00} and XXXX XXXX XXXX  XXXX Balance Owed : {$14000.00} .
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 charging fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or sign for any of these inquiries and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec.1681 ( a ), ( c ) -2 you must complete this reinvestigation within 15 days of receipt of this letter.