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

Ive been a victim of identity theft and Equifax a company for months have screwed me and millions over in rates due to wrong credit scores. Equifax has lowered our scores and have not been updating the information on time. This has been a detriment to me as i cant get a decent loan due to what Equifax has failed to report and inaccurately report. I demand a thorough investigation into all 3 credit buraus as they all have wrong information such as reporting dates and credit inquires.
Product: Checking or savings account

I AUTHORIZED A TRANSFER FROM MY CHECKING ACCOUNT TO PAY A CREDIT CARD BANK IN THE AMOUNT OF {$500.00} ON XX/XX/2021. I NOTICED THAT THE FUNDS WWERE NOT CREDITED BY THE CREDIT CARD BANK AS BEING RECEIVED. WHEN I CHECKED THE BANK FROM WHOM THE FUNDS WERE WITHDRAWN FROM MY CHECKING ACCOUNT, THEY COULD NOT PROVIDE A CONFIRMATION NUMBER OR INFORMATION ON WHERE EXACTLY THEY TRANSFERRED THE MONEY. I HAVE BEEN KEPT ON HOLD FOR OVER AN HOUR WITH THEIR REPS WHO CAN NOT RESOLVE THE ISSUE. I CALLED THE BRANCH WHERE THE ACCOUNT IS HELD AND THEY ALSO CAN NOT PROVIDE ME WITH NO INFORMATION ON HOW THE FUNDS WERE TRANSFERRED TO AND COULD ONLY SUPPLY THE NAME OF THE CREDIT CARD BANK WHICH INFORMATION I HAD ALREADY. IT IS NOW OVER A WEEK LATER AND I HAVE BEEN CHARGED EXTRA FINANCE FEES BY THE CREDIT CARD BANK AS WELL FOR NOT BEING CREDITED WITH THIS PAYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has agreed to delete this tradeline from my credit report. They provided AUD # XXXX as proof of the deletion.
Product: Money transfer, virtual currency, or money service

I received an email today that my Venmo transfer was returned and that I had to use another source for paymnet to myself to a bank account. I added another account, then I was told they can not get my money back for me if I dont add the old account not working. 

I tried to add it back, its being rejected by Venmo! 

They said they can not return my money to me and are not liable. How do you provide a service with NO liabilty??!!! 

I want my money!
Product: Checking or savings account

Using the US Bank mobile app, we set up a payment for our car loan ( {$510.00} ) to be taken out on XX/XX/XXXX. Unfortunately, the transaction has been withdrawn again, without authorization on XX/XX/XXXX. When my husband called to ask for the funds to be reversed, they said it was too late ( XXXX XXXX ) and that we would need to be credited back from the other ( car ) company. He was told that this could take anywhere from 10 to 14 business days. Extremely poor timing, as we have had an accepted offer for our first home and have made a mortgage agreement with US Bank. As the customer, its disheartening to 1 ) fix US Banks mistake, 2 ) not be given an explanation as to why this happened and 3 ) to wait for the amount to return to our savings in 10-14 days.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage servicing company, XXXX XXXX or LakeviewLoan Servicing LLC is fraudulently reporting to all credit reporting agencies that there were 120 days of late mortgage payment in 2020, for our former residence in XXXX which is false. 

XXXX XXXX XXXX, as they state is a nationally recognized in full-service sub-servicing to the mortgage industry. They claim to be the XXXX largest servicer in the country. 

The XXXX  Mortgage was held and serviced by Lakeviewloan servicing inc. which is the arm of loan servicing, for XXXX XXXX. 

After numerous attempts to contact both Lakeviewloan servicing and XXXX XXXX have been unable too resolve this major issue so that the records may be corrected. and removed from all credit reports. 

Unfortunately both companies have structured themselves to redirect all incoming calls to recorded message 's that will only attempt to redirect those calls away from a real customer person that can not be reached by phone.. As a direct result of their action we have been denied credit, significantly harmed solely based upon this disputed information being reported to all credit agencies. 

Only after we have been trying to refinance our current mortgage here in XXXX  have we learned to the false information and have XXXX  and have been solely upon the basis of those disputed mortgage payment 's being late within 2020.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union for multiple fraudulent deposits to my account resulting in them saying I own them thousands of dollars when my account was hacked and destroyed, I was charged money to my account and fees and threaten with garnishment! This issue aligns with the recent CFPB against Navy Federal Credit Union with similar practices, where deposits was made without my consent or knowledgment at all. I believe these practices are unfair and I request an investigation into my account!
Product: Debt collection

I have never had any type of account with XXXX XXXX. I have told both the collections company and them repeatedly. I was a victim of identity theft.
Product: Credit card

I had XXXX credit card accounts closed due to inactivity with no prior notice.
Product: Debt collection

I have asked for the proper documentation numerous times from this company. Ive asked for a audit trail account notes, account ledger or accounting documents. With no reply! They are furnishing illegal information on my consumer report and has not produced the proper documentation I have asked for!
Product: Mortgage

Chase XXXX XXXX XXXX victimized us by approving a modification then said ca n't make payments till new rates are figured out! XXXX a supervisor told me she told them not to say that anymore.Chase charged 19 % intr on XXXX part loan.after a year asked if I wanted to modify mortgage.then select portfolio servicing asked if I wanted to modify mortgage and gave me the runaround after I sent modification packets after packets completed packets, legal aid faxed them and knew they were completed.I 've tried mediation, dream home, making home affordable, FLORIDA hardest hit, bankruptcy told to poor to file for bankruptcy.for six years I got the runaround till sold our home at auction now facing eviction.Chase put payments in suspense account because of XXXX cents short charged late fees and ignored approved modification.Jammed foreclosure documents in the door jamb and singed and affidavit that he gave it to my wife when I found it in the XXXX.
Product: Debt collection

Because L J ROSS ASSOCIATES IN continues to report unverified, incorrect, and inaccurate information, this complaint is directed again at L J ROSS ASSOCIATES IN. I sent them a letter and called them even with respect to supposed obligation of the record reflected in my credit report wherein I was never told of this supposed obligation. This collection agency is violating the CFPB 's new Debt Collection Rule, which takes effect on XX/XX/2021, by reporting an unsubstantiated debt without providing proper notice prior to reporting. 

My privileges has been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA XXXX, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of XXXXXXXX XXXX XXXX XXXX which is impacting my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Collection Consultants have reported XXXX medical collections on my credit report that should not have been reported for several reasons. 1- I have insurance and the medical bills were 100 % covered by my medical insurance. Any bill that would have not been paid XXXX 100 % I did not agree with and I would have disputed. 2- I was never notified that they were attempting to collect a debt. Collection Consultants made NO EFFORT at all to reach me and validate these XXXX minor medical collections. I have lived at the same address for several years and have received no correspondence from them at all nor any verbal communication. As they never validated this debt they do not legally own the debt and to not have a right to report something they do not own. I have had the same phone # for 15 years. This is in violation of both FCRA and the Fair Debt Collection Practices Act. 3- they NY Attorney General has settled with the reporting agencies regarding medical collection accounts.
Product: Debt collection

This is an original debt from XXXX XXXX. Last XXXX I cancelled my cable which was {$170.00} a month and downgraded to wi-fi only for {$50.00} a month. XXXX sent cable technician out and he cancelled cable in two rooms and took remotes and cable boxes. I called XXXX and message them through their website and I could not get ant resolution. XXXX continued to bill me for full cable about a {$170.00} a month for two and a half months until it was finally disconnected. I received a collection letter and I called the collection company and requested a statement. They told me they would have XXXX to send a statement but I never received an statement. Next thing I turned over to collections. for {$510.00}. I believe I owe half of that and I can't seem to get resolution. I disputed this on XXXX  and XXXX XXXX but I get the same results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to request a dispute with my current XXXX XXXX where I am listed as an authorized user. I was very specific as there are two XXXX accounts on my name, the Rep verified the correct acct and filed the dispute { Report # XXXX on XX/XX/22 }. I wanted the pay off amount to be updated on the new card. 
Again my account was updated incorrectly or should I say the verified acct wasn't updated but the other card was. The " other '' card was used for fraudulent purchases so I did not want that account to be updated or anything on my file until settled properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote XXXX, TransUnion and XXXX to requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from any of the credit bureaus or any acknowledgment that an investigation has begun. All letters were sent certified mail. Its going on five months and I have yet to receive a response.
Product: Vehicle loan or lease

Subject : Issues with Account Reporting TD Auto Finance Account Details : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 72 months for all accounts Comments : Accounts are reported as closed or paid with a XXXX XXXX but inaccuracies in payment history need to be addressed. 
Actions Taken : You have noted discrepancies regarding the " Last Payment '' and " Last Reported '' dates, indicating they may not accurately reflect your payment history. 
Request : Clarification on the inaccuracies in reporting and rectification of any incorrect information on your credit report.
Product: Credit card or prepaid card

When signing on to Capital One 's website to pay our credit card bill I found that our account was " locked ''. I called in and were told that they could not give me any information until I proved I was me. They asked me the verification questions, which I answered correctly but then said I needed to send in a copy of my driver 's license which I did. I called back in and was then told I had to send in a copy of my Social Security Card and a household bill. After all this, they finally unlocked the account but when I called in, they could only tell me that there was a " suspicious call '' on our account. The XXXX in XXXX XXXX XXXX, XXXX emp # XXXX, could not give me any information. Additionally, she would not allow me to close the account and open anther account. In all, this took over two ( 2 ) weeks to resolve. We have other credit cards and will be closing this account but Capital One 's behavior is absurd and abhorrent.
Product: Payday loan, title loan, personal loan, or advance loan

This company advertised on the web to an Illinois Resident, coerced an Illinois Resident to travel to Wisconsin on a phone call, & had an Illinois Resident accept loan terms that violated Illinois State Protections regarding Predatory Loans ( PLPA [ Predatory Loan Prevention Act ] ). This company never informed the Illinois Resident of such protections. The Illinois PLPA states : ( 815 ILCS 123/15-5-15 ) Sec . 15-5-15. No evasion.

( a ) No person or entity may engage in any device, subterfuge, or pretense to evade the requirements of this Act, including, but not limited to, making loans disguised as a personal property sale and leaseback transaction ; disguising loan proceeds as a cash rebate for the pretextual installment sale of goods or services; or making, offering, assisting, or arranging a debtor to obtain a loan with a greater rate or interest, consideration, or charge than is permitted by this Act through any method including mail, telephone, internet, or any electronic means regardless of whether the person or entity has a physical location in the State. 

This company violated this act by " making, offering, assisting, or arranging a debtor to obtain a loan with a greater rate or interest, consideration, or charge than is permitted by this Act through any method including mail, telephone, internet, or any electronic means regardless of whether the person or entity has a physical location in the State. '' Furthermore, this company has violated this act by aggressive means of collecting by contacting other Illinois residents listed as references to instruct the debtor to continue payments. 

The Illinois PLPA States : ( 815 ILCS 123/15-5-10 ) Sec . 15-5-10. Violation. Any loan made in violation of this Act is null and void and no person or entity shall have any right to collect, attempt to collect, receive, or retain any principal, fee, interest, or charges related to the loan.

( Source : P.A. 101-658, eff. 3-23-21. )
Product: Checking or savings account

Application ID XXXX Ckg Acct XXXX Savings Acct XXXX In XXXX XXXX, I applied for a Citizens Bank {$600.00} bonus offer consisting of {$300.00} for a checking account, {$200.00} for a savings and {$100.00} for opening both on the same day, which I did. All other requirements were also met. A few days after opening, I noticed the savings account wasn't showing online when I logged in. I called Citizens and was told there was some sort of glitch on their end and was assured it would be corrected and that the accounts would both show the same opening date.

Six months later I still have only received {$300.00} for the checking account. I was told I didn't qualify for the {$200.00} savings account bonus or the {$100.00} for opening both accounts at the same time because they showed the savings being opened later than the checking, contrary to what they told me in XXXX. Nevertheless, there is still no reason for the {$200.00} savings account bonus not being paid. 

Per their terms, the full bonus should have been paid by XX/XX/XXXX. Numerous messages and phone calls to the bank have produced no results. I have attached documentation proving that all qualifying activities were met and the full bonus should have been paid.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have reported this Three times and nothing ever seam 's to get done. Litigation will follow. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Listed below the accounts to do not belong on my credit report. 
XXXX. XXXX XXXX XXXX Wrong addresses reporting
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am reporting a fraudulent inquiries found in my credit report
Product: Debt collection

i am a victim of identity theft and filed a complaint with the XXXX on XXXX, my ftc number is XXXX, and requested lj ross & associates XXXXhat the alleged debt of XXXXwas not mine and for them to delete the inaccurate information from my credit report because of this reason. I have attached a copy of my report below for your reference.
Product: Mortgage

Back in XXXX of XXXX  I initiated a mortgage application with American Financial Network , Inc. the mortgage broker I was in contact with is named XXXX XXXX. The application I submitted requested a 30- year loan for which on XX/XX/XXXXI received a Commitment Letter with an interest rate of 5.125 %. Additionally, earlier in XXXX ( XX/XX/XXXX ) I also received the loan estimates which showed the interest rate at 5.125 % on a 30-year loan as well as no points for closing costs. 

However, when the loan estimates document was reissued on XX/XX/XXXXthe loan was now showing 5.253 % ( or {$12000.00} ) in closing points. At this point I informed XXXX that this was not what we had agreed to. That same day he informed me that the documents were not final that and the lender credit would be applied before closing. 

On XX/XX/ he issued me another loan estimates document. The new estimates had now changed the loan from 30-years to 15-years. The closing points had also changed to 3.032 % ( or {$7200.00} ). On XX/XX/XXXX, I informed XXXX that I had not agreed to a 15-year loan to which he again replied that the documents were not final. 

Eventually I did agree to the 15-year loan, but XXXX himself told me that the points of 3.032 % ( or {$7200.00} ) would be applie half in terms of lender credits at closing ( which was fulfilled ) while the other half I would receive in the form of a check 2 weeks after closing. 

I closed on XX/XX/XXXX and after XXXXo weeks had passed I wrote to XXXX asking for an update. He informed me that he was working on in. Since XXXX of last year he has been dragging this issue by proving different excuses and and at this point I have decided to file this complaint. 

I also have proof of these conversations I had with XXXX and copies of the document I referenced.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off and Request for Deposit Refund Case # XXXX I am writing to formally dispute the inaccurate reporting of my Citi Card account ending in XXXX. Based on the Fair Credit Reporting Act ( FCRA ), Citibanks reporting of a charge-off is incorrect, and I am requesting its removal due to the following discrepancies : XXXX. No History of Late Payments : My account statements clearly show that I made payments and had a {$0.00} past due balance before the reported charge-off. There is no indication of XXXX  days of delinquency, which is required before an account can be charged off. Additionally, my payment history reflects XXXX late payments, confirming that this charge-off was inaccurately applied. 
XXXX. Misapplication of Security Deposit : My account was a secured credit card, requiring a {$200.00} deposit as collateral. However, Citibank applied my deposit toward the balance but still proceeded with a charge-off. If the deposit was used to pay the outstanding balance, there should not have been a charge-off in the first place. Since my balance is now reported as {$0.00}, I am formally requesting a full refund of my {$200.00} security deposit. Under Regulation Z ( 12 CFR 1026.12 ( d ) ), secured credit card deposits must be refunded once obligations are met. Since my account balance has been satisfied, I am entitled to receive my deposit back. 
XXXX. Failure to Validate Reporting : Citibanks response states that disputes were denied because they received them directly from the credit bureaus, not from me. However, this does not relieve Citibank of its obligation under FCRA 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation upon receiving a dispute. By failing to correct this inaccurate charge-off, Citibank is in violation of the FCRA, and I request that the charge-off be removed immediately.

XXXX. Contradictory Statements in XXXX Response : Their response confirms that the last payment received was on XX/XX/year>, and a {$200.00} deposit was applied on XX/XX/year>, yet they still claim delinquency. These transactions indicate that my account was not in default for XXXX  days, and a charge-off was not justified. 

I have attached the Response From Citi Bank, Along with my statements from XXXX & XXXX
Product: Student loan

In 2007 I XXXX with an XXXX degree. Since then XXXX was purchased by XXXX XXXX and now they too, out of business.. The XXXX location that I went to was sued and found to have given fraudulent placement rates and graduation rates. 
My private loan listed on Navient is at {$49000.00} and not only can I no longer afford this, I do n't feel like I should be paying for a worthless degree and education that I chose based on their lies. 
The other issue is they have the completely wrong school listed on my loan. They have the XXXX XXXX XXXX XXXX, which I have NEVER attended. 
A lawyer suggested I reach out to this agency for info and assistance. Thank you for your time and any help or advice you may be able to provide.