23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, 2015 I received immediate retaliation because I went to local branch to ask my stolen funds as I reported to CFPB before. The interest earning on my account dropped from 1.1 % to zero percent. On XXXX XXXX, 2015 I was called by Capital One representative regarding lost interest {$6.00} on my account from XXXX XXXX, 2015 to XXXX XXXX, 2015. Because I reported the previous theft activities causing me the loss {$68000.00}, {$1100.00} interest, {$30.00} transpotation expense to go to branch 3 times, and {$200.00} per hour to collect this debt. I received immediate retaliation from the bank to drop my interest earning from 1.1 % to zero percent. I reported immediately. I was told XXXX times by the bank representative on XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015 regarding this credit. But it was never posted on my account. This bank also provided deceptive advertising on promotional offer {$250.00} for business checking account. I have completed all requirement according to promotional offer. I have sent a request to their customer service. But I never heard anything back regarding how they are going to pay. Now this bank owe me total : {$70000.00} plus {$200.00} per hour to collect this debt ( {$2000.00} ). Now I spent at least XXXX hours on this matter. Plus I suffer severe anxiety caused by this theft complaint.
Product: Credit reporting or other personal consumer reports

dispute letters have been mailed to Transunion, XXXX and XXXX with accurate proof of payment and no action has been taken by the credit bureau to correct the inaccurate information in records to the XXXX account who reported false information. Attached to my complaint is proof of payment along with proof of the dispute letter being sent. Attached is proof of autopay being setup on XXXX XXXX as well. the payments were not late.
Product: Credit card or prepaid card

I currently have 2 credit cards with Bank of America. 

XX/XX/XXXX - Balance on card 'A ' was accidentally paid to card 'B ' using bill pay from XXXX  XXXX XXXX . 
XX/XX/XXXX - When checking credit card activity, I noticed mistake and called to speak with Bank of America. I was told that the paid amount could not be transferred from card 'B ' to card 'A '. I would have to submit additional payment to pay balance of statement for card 'A '. I immediately set up payment from XXXX XXXX XXXX to pay again to correct card. I was also told that I would be refunded the amount I initially sent to incorrect card to my bank within 2-5 business days XX/XX/XXXX - Payment was received to correct card XX/XX/XXXX - I called Bank of America to check on refunded amount as it was the 5th business day and I still did not see the funds posted to my account at XXXX XXXX XXXX. I was told by XXXX that a department at Bank of America deemed the amount to high and that they would hold the funds for 10 days before releasing to my bank account. I asked who had the funds that I originally submitted. She stated that Bank of America was in possession of those funds. After asking what recourse I had to dispute the 10 day hold period that Bank of America was conducting, I was told that is their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has Violated My Consumer Rights. I Received A Copy of My Credit File And Experian Failed To Provide Verifiable Proof of The Original Creditor Signiture. Experian Violated 15 U.S.C. 1692 ( a ) ( b ). I Have Been Misrpresented And I Have Reason To Beleive Criminal Activity Is Taking Place Concerning My Credit File With Experian Fraud, Identity theft And Saling of my personal Information Without My Consent.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$220.00} 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX. XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX XXXX : {$220.00} XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has hacked into my email, they have hacked into my accounts, used my cards for their own purchases, and now I have tried to open up a chase card and my name. I was laying in bed and received a hard inquiry on my credit report coming across my phone. I am in bed and have not applied for a Chase credit card whatsoever. I have contacted my credit card companies and had to report fraud and had to replace my identity at the XXXX. I need to take it on my credit report immediately this is unfair.
Product: Mortgage

On XX/XX/XXXX, my mortgage with XXXX was sold to Shellpoint mortgage. ( This loan was originally made in XXXX. ) The terms of the loan were we put our paychecks into the account, and it weighed against the daily interest. When the mortgage payment was due, it was automatically withdrawn from this account to pay it. We also paid our insurance, utilities and other bills from this account. For whatever reason, in the transfer of the account, Shellpoint is treating this loan as a conventional loan and it showed us delinquent for not paying the mortgage bill? I began calling them daily from XX/XX/XXXX onward to no avail. In addition to the changing the terms of the contract, they do not show my XXXX paychecks into the account in XXXX. They simply " can not find them ''. To make matters worse, they froze the account because of the delinquency of the mortgage payment. The irony is the money I need to pay this account in in this same account ( minus my missing paychecks ). XXXX XXXX department has assured me the missing payments were cashed by Shellpoint. I have borrowed money to pay the mortgage payment and open the account but it has no money in it because my checks are missing. My auto withdraw bills from this account are going unpaid. My credit rating is holding while I borrow money from others to pay my bills. This is really frustrating, embarrassing and a little unnerving.
Product: Mortgage

Home was purchased XX/XX/XXXX, in Florida after moving across country in XX/XX/XXXX. Our new to us home was flooded due Hurricane Ian XX/XX/XXXX. There were only few mortgage payments made before the home destroyed and we qualified for a FEMA forbearance for the 3 months starting in XX/XX/XXXX, never was explain to me that after the forbearance, I would have to pay in full. After XX/XX/XXXX, we phoned Planet Home Lending asking if an extend our FEMA foreclosure could be approved, no explanation of repayments after forbearance. Still wasnt living in our home due to the clean up and repairs needed. We were approved for extend for another 3 months. XX/XX/XXXX, phone Planet Home Lending asking for an extend or what other options we had at that time. Representative stated we could not extend forbearance, but we now have pay to make the mortgage payments current after the 6 months of forbearance, which was never explained to me the prior two conversation with Planet Home Lending. Which at this time my family was not living in home due the inhabitable conditions home was still was in. Homeowners and flood insurance was a very difficult process to deal with to get help with coverage for the damages to the home. XX/XX/XXXX, phone Planet Home Lending to apply for mortgage assistance package. They gave me two options repayment assistance or a Short Sell. We applied for both options but were told that you can only get one type of assistance, which 1 chose a Short Sale, at this time I informed that they wouldnt except payments due to Short Sale. XXXX XXXX my credit is decreased due to late mortgage payments. I was told I would be protected due to the FEMA forbearance and then told since there was a Short Sale, I didnt need to make the mortgage payment. Roughly owning {$17000.00} at this time. XX/XX/XXXX a large payment of {$9000.00} and then {$2200.00} was paid in efforts to make the mortgage payments current. The first payment was sent via over night mail and the second payment was over the phone, which was struggle to pay because I was told I couldnt make a payment unless it was paid in full. Planet Home Lending has called every week for a update of short sale of home. I have provided everything they have ask of me. I feel like I was misled into the forbearance rules and because of a act of god, my home was destroyed only after a few months of owning it. The battles weve had to get help from insurance companies to get home home put together has not been enough. My efforts to repairing this home wasnt all insurance claim funding. When assistance was asked Planet Home Lending processes have been confusing and misleading and now its affecting my credit. I am asking Planet Home Lending to please remove the late payments from my credit. I have tried my best to work with this company and make my best efforts to also make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. 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. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Payday loan, title loan, personal loan, or advance loan

Am I required to get a loan through a dealership? The selling agency XXXX XXXX Dodge Jeep XXXX, stated they would not sell the vehicle to me unless I used their financing company. I told them that I secured finance for the XXXX they had requested for their vehicle, from my credit union institution at 6.49 %, and they came back and said secured 6.99 % ( for their re-sold financing from XXXX XXXX ). When they called me back, they stated they would not sell me the vehicle unless I secured financing through their service. I told them I thought that was illegal, but they assured me that this was their directive.
Product: Debt collection

Today XXXX XX/XX/2018, I was contacted by XXXX from XXXX, XXXX XXXX   XXXX. with a case # of XXXX, their phone number is XXXX XXXX. This XXXX told me that my debt from XXXX XXXX  was turned over to them for collections. The amount was {$2900.00} but they are willing to settle for {$1200.00} now. He asked me for a credit card and I don't have one so I asked my parents to use theirs. My step-dad talked with XXXX and he recommended a certified letter for the settlement and we would settle it. XXXX became beligerant and threatened to garnish my pay, apply a lien to my truck, have the sheriff pick me up. I hung up an him and my stepdad called him back for more information, since then he has called my phone 3 times and 10 times on my stepdads, each time belittling me and threatening me. I contacted XXXX XXXX customer service and they where unable to help since the debt was sold. I tried contacting who they sold it too ( contracting account ) XXXX XXXX, no one has returned my call. This debt is from 9n years ago and is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a recent college graduate. Upon checking my credit report, I found several inquiries, wrong address and a collection account that does NOT belong to me. I am trying to seek employment but these erroneous items are preventing me from employment. 

FOR THE RECORD : This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX, XXXX XXXX XXXX XXXX ( twice ), XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX I also have a collection account with no name but an account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking EQUIFAX, XXXX and XXXX to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 


This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX and XXXX continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. I am expecting you to follow the laws and have this information blocked from my report.
Product: Credit reporting or other personal consumer reports

Good Afternoon, I looked at my credit report back on XX/XX/year> and realized that some things were incomplete and not accurate. I sent a letter asking them to reinvestigate these accounts below : XXXX XXXX XXXX - Account XXXX open date is not reporting correctly, date last active and date of last payment is not right, this account is not accurate. 
XXXX XXXX XXXX - Account XXXX open date is not reporting correctly, date last active and date of last payment is not right, this account is not accurate. 
XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active and date of last payment is not right, this account is not accurate.
Product: Mortgage

I current behind by couple months with mortgage and credit cards. In had cov19 recover after 2 months. Really need help and payment assistance and more time. Get everything together.
Product: Checking or savings account

I received an email notification from Citizens bank that my account had too many failed login attempts and had been locked out. Considering that I do not bank at citizens, I was very concerned and called the customer service phone number in the email. 

The first time I called, the customer service associate I spoke with told me I did not have an account with Citizens. 

I hung up and called again, choosing the Online account services prompt. This customer service associate confirmed that I did have an account with my personal email, and told me he would have the email removed from the account. 

Unsatisfied by the fact that I have now gotten 2 different stories, I called customer support again, and after giving my information to the customer service associate, she was asking questions about what type of account I had, and when I told her I was not sure, I just wanted to check the balance on all accounts, she said " why should I give you your balance if you don't even know what type of account you have with us? '' I then drove 2 hours to the nearest open branch location. I called the bank branch at XXXX XXXX when I left my house to ask the bank to place a hold on all accounts. They said Ok. 

When I arrived at the bank, I was placed in an office with a man named XXXX XXXX. I explained my concern and told him I would like all accounts in my name or using my social security number to be closed immediately. 

He was unable to find an account at first, and had to call customer support. With their help he found 2 old accounts from 11 years ago that were Charter One bank, which Citizen 's bank bought out in the past. 

I agreed that those were my old accounts, but I stated concern that my personal email was sent a message about a login attempt to an account which has been closed for 11 years. It did not make sense to me, or XXXX. 

XXXX called Online services, and got the same type of run-around that I did earlier today. 

XXXX also called another number, to a third party Credit card vendor that I also had an account open with the bank, which I do not remember at all. The last for account numbers of the account are XXXX. 

At this point, the Branch manager came in and asked if she could help. After explaining the situation to her, she told me that " maybe a computer glitch from another customer triggered the login failed email '', but this story does not make sense to me. 

I am rather fed up with Citizens Bank giving me the runaround, and if my exhusband has been using my identity again, and they are allowing him, I will proceed with the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following personal information from my credit file within the next 15 days. 

Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On numerous occasions throughout the years, I have reached out to my servicer to understand my loan program as well as how interest accrues and was never provided with the correct information or put on the correct program. My loans continued to accrue interest when i was told that they would not. My balance increased on the back end even though i qualified for XXXX or minimal payment based on employment status and income.
Product: Credit reporting or other personal consumer reports

When checking my credit report on Transunion there is a charge card listed CXXXX XXXX XXXX XXXX XXXX  that opened on XX/XX/year> that I did not open. There is a balance of {$920.00} that is not mine. 

In XX/XX/year> I attempted to dispute this with the company listed XXXX XXXX XXXX and they had sent me many things that they need but I am unable to do this by myself. I need help getting this figured out please.
Product: Credit reporting or other personal consumer reports

Urgent : Incorrect Credit Reporting and Loan Modification Issues I am writing to formally address several issues regarding my loan account with PennyMac, which have led to significant negative impacts on my credit report. 

In XX/XX/year>, I entered into a forbearance plan with PennyMac due to financial hardship, which was approved on XX/XX/year>. At the time, my loan was current, and I was assured that while in forbearance, my account would be reported as current. The forbearance was for a XXXX period, followed by a three-month trial payment plan before a modification was to be finalized. 

I made payments for XXXX and XXXX to ensure that no late payments would be reported. I also submitted the notarized loan modification documents via your online portal to accept the modification, which was to convert the XXXX months ' worth of payments into a partial deed claim to be settled at the end of the loan term. 

To my shock, when I logged into my account to make the final trial payment in XXXX, I saw an outstanding balance of over {$11000.00}, which included all payments due since XXXX. This was unexpected as I was under the impression that I was current and in the process of completing the modification. I paid as much as I could immediately and subsequently received a notice claiming that the loan modification was declined by me, which is inaccurate. I had submitted the required documents to accept the modification. 

In an effort to resolve the issue, I withdrew funds from my XXXX ( k ) and paid the full balance due from XXXX to XXXX. Despite this, my credit report now shows severe negative marks, including 60 days late in XXXX, 120 days late in XXXX, and 90 days late in XXXX. This is in direct contradiction to the assurance given at the start of the forbearance that my credit status would remain current. 

I believe this situation is the result of misinformation and an unfair practice on the part of PennyMac. I would not have entered the forbearance if I had known my credit would be adversely affected. I respectfully request that my credit file be corrected to accurately reflect the current status of my account, with no late payments reported. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to get accounts that were opened in my name without my knowledge or permission for over 2 years and Experian and XXXX refuse to remove/ investigate the accounts ... ..attached you will find police report and id theft affavaidt that was submitted involving accounts. Experian and XXXX keep sending letters advising that they will not re-investigate these account which isn't right ... FTC Report # : XXXX the account that need to be removed are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX