23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX has now infiltrated 2 of my credit reports in an attempt to insert fraudulent files. XXXX XXXX XXXX has stated they have a XXXXXXXX XXXX  under my name. I have had XXXX XXXX and phone for over a decade. XXXX XXXX XXXX never notified me with a letter and instead market credit down for an account they fraudulently made and hope to sneak on while XXXXXXXX XXXX Equifax  have legal issue. I XXXX XXXX XXXX XXXXXXXX should be held liable for this deceptive measure
Product: Mortgage

I have been trying to modify my mortgage for over a year. My husband passed away and I was back and forth from XXXX XXXX XXXX. It took mortgage company 11 mos to approve modification. The 1st payment due was not the amount it should have been although their system automatically took the payment. They claim since it wasnt the right payment it knocked the modification out and now they have referred my loan to an attorney although my modification review is back in process
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT XXXX DATE XX/XX/XXXX AMOUNT {$140.00} WELL FARGO FINANCIAL ACCOUNT XXXX DATE XX/XX/XXXX AMOUNT {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the annual credit report request form to the address provided. The form clearly had my Name, address ( the same mailing address since 2015 ), social security number, and date of birth written on the form. XXXX, equifax, and XXXX  refuse to send my free credit report.
Product: Credit reporting or other personal consumer reports

They sent my card 2 months late and statement same, then they charged me interest and late fee. and reported me to the credit bureaus. When i got the mail I paid in full. But I had to call them several times just to get the card and statement. However they havent processed my multiple requests to write off interest and late due to no fault of my own. They are also very rude and today hung up on me. 
I need refund of interest/late and rectify credit bureau note of late and appology also compensation for the increase in my XXXX XXXX due to negligence and bully causing damages
Product: Checking or savings account

Early in XX/XX/XXXX, I received an Invoice from Merrill Lynch ( aka Bank of America ) regarding my employee stock account with my former employer : XXXX XXXX XXXX. 

The invoice was for an annual advisory fee of {$65.00}. I have never paid an advisory fee as an employee or in the years since I left the company, so I put in a call to Merrill Lynch on XX/XX/XXXX to find out why I received this invoice. 

I was told that I was being charged because I was no longer an employee, but I had the option of not paying the fee if I sold my XXXX XXXX shares and closed out/cashed out the account. 

I let the representative know that I was prepared to go through with closing the account. 

I authorized the representative to go through this process and sell the shares at {$8.00}. And I forgot about the whole thing. 

That is until I received a statement of account activity in early XXXX showing that I had still had a balance with Merrill Lynch and my account had not been closed. 

Furthermore, the advisory fee that I was trying to avoid was deducted from the proceeds of the shares sold. 

And there was a commission fee of {$29.00} charged. I'm told that I could have sold these shares on my own online, if I was still an employee. But since I was no longer an employee, my only choice was to sell by phone. 

When I called Merrill Lynch again on XX/XX/XXXX and complained about the above statements, I was told that they were simply following company policy by charging both fees, but no one could tell me why my instruction to close my account was not followed.
Product: Consumer Loan

On XXXX XXXX Progreso know known as Oportun called to request a payment be made to my account and because I had fallen behind and I scheduled a payment to be taken directly from my current XXXX XXXX XXXX checking account. I agreed to have the payment taken from my account on XXXX XXXX, 2016 ; however, for whatever reason the young lady mistakenly processed my payment that same day and it was taken from my account on the wrong day after I had already gone into detail about the lack of funds available to process the payment any sooner due to my recent divorce. The payment had not been authorized for that day and she acknowledged that she had made an error on my account. Unfortunately, due to bank policies and fees my account was hit with XXXX seperate fees, each for {$35.00}. ( 1 ) for the initial draft of {$210.00} that was not authorized for that date ( 2 ) for a {$25.00} payment that was for a credit card I had scheduled my minimum payment for and only had the money needed to cover this charge and ( 3 ) an additional {$35.00} charge because the account stayed overdrawn for over 5 business days. I spoke to the Progreso now known as Oportun to inform them immediately about what would happen before the charges hit my account and they stated that the payment would not be paid, but I knew from previous banking experience that it would given my good history with the bank. I also informed them of my credit card payment being kicked back. I have requested a letter apologizing for the inconvinience in hopes to provide that to the bank and the credit card company but have been denied twice and as of yet have gotten no response to them crediting me back for the error they caused on my account. All they keep telling me is that they gave back the money for the initial error, but have yet to fix the other issue of the fees they caused on my checking account due to their error in posting a payment before the date it had been authorized. I have contacted them on a weekly basis since this happened and as of today any time I call, I have to explain everything every time. Nobody is taking accountability for the error their employee made and they definately could care less if I am out {$100.00} and are unable to provide an apology letter, but I do get letters asking for payment of a past due amount that is incorrect because they still owe me money too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that XXXX XXXX XXXX  would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from XXXX credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about XXXX XXXX XXXX and XXXX. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however XXXX  just keeps updating it and not deleting it off my report along with experian it is still reporting.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 a 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

I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXXXXXX XXXX XXXX The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

Details of the Unauthorized Inquiry : Inquiry Date : XX/XX/year> Inquiry Type : Individual XXXX Info : XXXX XXXX XXXX, XXXX, OR XXXX Contact Number : ( XXXX ) XXXX My Full Name : XXXX XXXX XXXX XXXX I kindly request that you : Investigate this matter and provide documentation proving that I authorized this inquiry. 
If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report. 
Provide written confirmation of the removal of this inquiry and any correction made to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Chrysler Capital Account # XXXX has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 
15 USC 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USCS 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX # XXXXXXXX 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 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 a account without my written instructions.
Product: Mortgage

I had a long-time FHA home loan with XXXX XXXX XXXX with no problems. I had a perfect payment history. Unknown to me, the loan was transferred to a servicing company called Green Tree. Apparently, XXXX XXXX XXXX at first was forwarding to Green Tree the payments I continued sending to XXXX XXXX XXXX. Over a year ago, unknown to me, XXXX XXXX XXXX stopped forwarding my payments to Green Tree, did not tell me and I then received letters from Green Tree ( I thought these were " junk mail '' ). Eventually, I opened one and it stating my mortgage was in default. This was quite a surprise to me since I was sending my payments to XXXX XXXX XXXX. I had to pay a large penalty and foreclosure fees. Green Tree did not send statements to me, or payment coupons, or information about where to send payments, even after my repeated requests. I then sent payments to the address listed on their website, which they stated was the wrong address. Although Green Tree did cash some of the checks, they did returned some others. They claimed there were penalties owed, which I disputed. Now Ditech has the loan ( I do n't know when that happened or if that is a sister company of this Green Tree entity ). They are attempting to foreclose a second time. Ditech is now trying to foreclose.They have ruined my credit due to their fraudulent acts. I am a XXXX, and this matter is effecting my health.
Product: Debt collection

I do not owe them XXXX $ i did not approve for Hyundai to report on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX  Bankruptcy : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX  XXXX XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX : {$160.00} XXXX XXXX XXXXXXXX XXXX Balance : {$140.00}.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I reached out to XXXX XXXX XXXX letting them know that XXXX XXXX XXXX XXXX XXXX XXXX brought my car and I was no longer the owner of the XXXX XXXX XXXX with XXXX # XXXX in which was traded on XX/XX/XXXX. XXXX XXXXXXXX reported to XXXX, XXXX, And Equifax that I was 30 days late on my payment in which this reporting is inaccurate, I have always been in " good standing '' with my auto loan with ally finance since buying the car and I want this reporting deleted and or updated to on time payments and " Paid as Agreed '' because it is not acturate please update this admittedly on my credit report.
Product: Debt collection

I found out my information was leaked to the dark web and I start noticing accounts on my credit I did not recognize and and now they are in collections I reached out to the creditor and I disputed the account and they refused to remove it. I have also filed a police report for the identity thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from XXXX  or XXXX  credit agencies. I did receive a response from Equifax but they did not resolve all of my issues.
Product: Mortgage

Since our Chapter XXXX Bankruptcy discharge in XXXX of XXXX, communication with Seterus has become very difficult and questionable. Today we talked with a certified HUD counselor who informed us of this option of filing a complaint. We also discovered today as we reviewed our case, that the loan modification finalized in XXXX of XXXX was not recorded with the XXXX Office until XXXX of XXXX. Other issues : we have n't received monthly mortgage statements ; sent into foreclosure without a notice of default being filed. Differences in amounts owed versus recorded amounts paid. Non receipt of payments following bankruptcy ; we sent payments in to reinstate the loan, only to find out later that payments needed to be certified funds ( re-instatement letters indentifying this requirement received after funds were sent in ) ; Seterus unwilling to certify funds received by calling banks ; receiving different information with each phone call, sometimes within hours of each other ; an overall lack of willingness to assist in resolving our circumstance by hiding behind, unreasonable company policies and guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had a credit card for more than ten years with XXXX XXXX XXXX. We had credit ratings of the mid XXXX and a credit line of {$30000.00}. We paid our full balance every month, on time. My husband passed away, so I closed that account and opened one in my name. My income is about half of what our dual income was, I have no mortgage, rent, or car payments, and my personal credit score was XXXX. I was given only a {$5000.00} credit line on my new card, and my credit score began to plunge. I used over half of that available credit in the first month, again, paying off the entire balance on time. However, my score continues to plunge. The excuse is that I used over half of the available credit! Is this some kind of Catch 22, or a scam? They give me an insultingly low credit line- totally disregarding my history with this institution- and then ding me for using too much of it?!!! I took out a second credit card with XXXX XXXXk, and they only gave me {$3000.00} credit line. My total credit line is less than one-third of what we had previously and I am very upset over this, as my nearly-perfect credit score continues to plunge.
Product: Checking or savings account

I OPENED UP AN ACCOUNT AT BETHPAGE FEDERAL CREDIT UNION, MANY YEARS AGO, JUST TO HAVE A LOCAL ACCOUNT, WHICH I WAS USING TO CASH CHECKS, ETC. MY MAIN ACCOUNT IS XXXX XXXX XXXX XXXX, WHICH I OPENED IN 1980. SINCE THEY DON'T HAVE BANKS IN NY, I USED BETHPAGE AS A SHARED BANK, WHICH LET 'S CASH CHECKS AND MAKE DEPOSITS AND WITHDRAWLS. I WAS ABLE TO DO THIS WITHOUT AN ACCOUNT AT BETHPAGE. BUT I OPENED ONE UP ANYWAY. NOW, ALWAYS USING MY XXXX XXXX ACCOUNT FOR MY BANKING NEEDS, MY BETHPAGE ACCOUNTS WENT DORMANT. SO TODAY I GET MY STATEMENT FROM BETHPAGE AND XXXX AND BEHOLD, IT WAS CLOSED OUT, WITHOUT MY KNOWLEDGE OR ANY TYPE OF NOTIFICATION FROM BETHPAGE, LIKE AN E-MAIL, USPS LETTER OR PHONE CALL. ZERO-ZILCH-NADA! THE TOTAL AMOUNT WAS SMALL, {$10.00} IN BOTH ACCOUNTS, SINCE XXXX NEEDED A MINIMUM BALANCE TO OPEN AN ACCOUNT THERE. SO I CALLED THE PHONE NUMBER XXXX AND GOT A CLUELESS CUSTOMER SERVICE REP, PUTTING ME ON HOLD 3 TIMES AND STILL REALLY COULDN'T HELP ME, SAYING I MUST HAVE GOT A LETTER 3 YEARS AGO, SINCE THAT IS HOW LONG THAT IT WAS DORMANT. I TOLD HER I DOUBT THAT HAPPENED AND I WOULD HAVE REMEMBERED A SEPARATE LETTER TELLING ME OF MY DILEMMA. SO I ASKED FOR A MANAGER. XXXX GOT ON THE PHONE. I TOLD HIM WHAT HAPPENED AND HE WAS ALL APOLOGIES, BUT HE COULD NOTHING TO HELP ME SINCE MY ACCOUNT WAS CLOSED? I ASKED IF HE COULD REVERSE THE {$5.00} SERVICE CHARGE AND HE SAID NO, GET READY. BETHPAGE SPENT {$5.00} OF MY MONEY TO SEND {$4.00} FROM A DORMANT ACCOUNT? I ASKED XXXX DOES THAT MAKE ANY SENSE? RATHER THAN JUST SEND ME A CHECK FOR {$10.00}. HE SAID THAT IS THE PROCEDURE THEY USE. I AM IN THE BANK MAYBE ONCE A MONTH AND ALWAYS HAVE TO SHOW MY LICENSE, WHEN I CONDUCT ANY BUSINESS THERE WITH MY XXXX XXXX  ACCOUNT. NOW, NO ONE COULD HAVE TOLD ME WHAT WAS GOING ON WHEN I WAS AT THE BANK? HOW PATHETIC. HE TOLD ME TO GO TO XXXX TO CLAIM MY FUNDS. THERE WAS NO LISTING OF MY MONEY AFTER I FILLED OUT THE FORM? I AM A SENIOR ON A FIXED INCOME
Product: Checking or savings account

Hello, Im XXXX XXXX. I have a PNC SmartAccess Prepaid Card Account. I have serval charges to my account dating back to XX/XX/2021. In XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021 I have serval transactions adding up to around XXXX & XXXX ( XXXX )!! 
I disputed almost all of these transaction and I canceled my card because these transaction were not authorized by me. I believe someone had all my card info, it wouldnt be hard for someone to make unauthorized transactions with PNC Smart Access Account because everything needed to make a purchase is right on the card. The only info you need to make a purchase with my prepaid card that is not actually on the prepaid card is my billing Zip Code or address and if it was someone I know that stole my card info then they know my address & could make any transactions/purchases! I know I didnt make these fraudulent transactions and I dont understand why my disputes were denied, with whats going on in the world today I definitely need my money back!!! And whats the point in having FDIC insurance if I cant get money back that was technically stolen from me?!? 
Thanks in advance I really hope something can/will be done about my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb reinvestigation complaint 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a 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: Mortgage

This complaint is on behalf of our client regarding their mortgage with Citi. We are the XXXX XXXX of XXXX XXXX assisting our client with their mortgage issue. We 've been trying to obtain vital information pertaining to their loan. A full modification package was submitted with hopes of an update. The account manager was reassigned to a XXXX XXXX at Citi Mortgage XX/XX/XXXX. Since that transfer, we have no been able to get any updates for the modification application that submitted for review. By now the document will have to be resubmitted again- another delay tactic from Citi and it 's employees. XXXX XXXX called our office maybe three, four times tops and sent random emails advising he called and I schedule an appointment to speak with. This is beyond exasperating, time consuming a violation out of CFPB guildelines, TILA guidelines and Regulations X and Y. It is impossible to get an representative who cares enough to go deeper into the file and inform us on the status review. To make matters worse, we had to resubmit the authorization countless times before to Citi when one was already issued and a confirmation of receipt was acknowledgement. What is going on here? Our client is only trying to make amends with the mortgage company but there seems to be unreliable and uncaring representatives handling this file. Once the authorization and cease and desist was provided ( again ) XXXX XXXX sent an email advising he will reach out the borrower instead of the firm. XXXX XXXX will make no attempt to call our office unless he receives a message advising him to return the call. 
How long will this " review '' take before we are provided with a response? This file has been going through the ringer since XX/XX/XXXX. What next, foreclosure? Please have this file reassigned to another representative immediately. We no longer want XXXX XXXX or his manager assigned to his file. There 's only so many emails and messages you can leave a representative and his manager. We can not provide our client any reassurance or creditable updates on their case. If possible, I am requesting to have XXXX XXXX reassigned to this case.