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

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received an email from XXXX saying there was a new inquiry on my Equifax report today XX/XX/XXXX at XXXX. I went into my account on XXXX and it did have a new inquiry on XX/XX/XXXX From XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone # XXXX ), which I did NOT authorize. 

I called Equifax first and was told XXXX XXXX XXXX did request credit report so to call them directly. 

Then I called XXXX XXXX XXXX and was directed to the fraud departments for both wireless and home/XXXX and was told they have absolutely no record of any inquiry they submitted OR any new or old account information for me ( because I have never had or applied for a service with XXXX XXXX XXXX EVER ). 

Then I called Equifax back and was told that XXXX XXXX XXXX is the only entity that can remove this hard inquiry because XXXX XXXX XXXX did put in the inquiry so to call them back. 

Then I called XXXX XXXX XXXX AGAIN, and was told the same that they have no record of such inquiry and so they won't be able to put in a request to Equifax to remove the hard inquiry on my account. 

The XXXX XXXX XXXX entity in question : phone number is a disconnected number, the address is for XXXX, an XXXX in XXXX XXXX, TX. So who is requesting my credit information and why is Equifax giving out this information when I did not give authorization? 

I did inform the Equifax agent regarding this but he did not do anything further to investigate this non-existent " XXXX XXXX XXXX '' business that they, Equifax, provided my credit report to. 

Please help. I want this hard inquiry removed. They can not provide any proof that I authorized this hard inquiry on my credit report because I DID NOT give it.
Product: Money transfer, virtual currency, or money service

I made a transfer with Remitly and within 40 min I canceled the transaction. This happened Sunday XXXX the XXXX and now they are telling me that it will take 10 business days to get a refund from them. I spoke to my personal bank ( XXXX XXXX ) and they are telling me that once the funds are refunded they immediately deposit it into my account. So, XXXX not my banking institution that is holding my funds. Is Remitly.
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 use 1681. 

XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX MISSOURI, # XXXX 15 U.S.C 1681 section 602 A. States : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on date of XX/XX/year>. Please investigate and provide proof with statements showing this payment was late. If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Checking or savings account

I set up automatic withdrawals from XXXX XXXX to SoFi, XXXX XXXX didnt allow them through and SoFi didnt have an option on the app that was visible to cancel the withdrawal. 

They closed the account due to bounced payments with zero contact from the fraud department beforehand that would have allowed us both to work it out. 

Then they blocked me from making a new account.
Product: Checking or savings account

I have at one time received multiple overdraft fees due to insufficient funds minutes before having the funds added to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was " approved for the Citi / AAdvantage Platinum Select card, with a credit limit of {$10000.00}. Your account is considered open as of today, XX/XX/21. '' However, since that time I have not received the card which was supposed to have arrived in 7-10 days. In fact, a follow up email from Citibank said I should have received my card by now. When I called they blocked me almost immediately. I called from XXXX not from my home phone because, I, like so many others, do not use a landline often. Two customer service representatives yesterday, XX/XX/XXXX were rude and belligerent to me, asking all kinds of security questions which I passed. They lied about putting me through to a supervisor, rather left me on hold so as not to look incompetent. I ended up speaking to several more today, including a supervisor and they refused to unblock my account. To be clear, I have never received the card in the mail. I was merely asking when it was sent out. I did not ask any account sensitive questions and answered all their security questions. They kept saying 'sorry ' or 'unfortunately ' and insisted on calling me despite me not having an easy way to be called back. I said I wanted the hard inquiries pulled from XXXX and XXXX which will stay there for two years. I don't want the credit card. My account is open and I can't even use it! Nor can I close it! They will bill me {$95.00} and I will not get the bonus miles promised. Citibank is a scam. I want the account closed and the hard inquires removed at once. It negatively affected my credit score for two years starting recently.
Product: Mortgage

PHH Mortgage Div. Ocwen services my loan. I did fall behind in XXXX and in XXXX they opted to put two loan payments at the end of the loan which was great. My biggest issues with this servicer is all the additional fees that they add on to their servicing. When ever I have had a late payment I have always added the late fee which is around {$50.00}. 
I checked today an an interest payment that I sent via check in XX/XX/XXXX for {$540.00} was not put towards interest it was held in suspense for a while then it was put to offset their " Other '' category. 

Today I submitted my XXXX payment and added an escrow account shortage of {$84.00} per their statement on XXXX XXXX which made my total payment of {$1600.00}. Not a problem. I have been able to reduce the " other '' category to {$96.00} from over {$500.00}. I had called to ask for explanation but after being disconnected, dropped in my previous 3 calls because my account is assigned to a specialist I have been not been able to talk to the person so asked to speak to a Supervisor. Its going on 23 minutes of being on hold and not getting anyone to pick up the line. Unfortunately, I don't have all day to wait for a Supervisor to get information on my questions/concerns. 

I am glad that they put my two late payments on the end of the loan. Due to being self-employed its very difficult to get refinanced especially with my late payments. The loan is at 4.6 % interest rate so whoever owns this is making great returns since its almost double the current interest rate. Not sure if your department can assist me but since I have been on hold I thought I would file a complaint since I tried being nice and patient and it got me nowhere. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I tried to make an account with Transunion to place a credit freeze. Since then, I cant even login into the website without it saying my password is incorrect even though it isnt. The website doesnt even let me change the password at least. I was able to login in once only after I signed up completely again and I kept getting the message that the information that I provided wasnt verified. When I tried to call customer service, I was put on hold for over an hour before an employee hung up on me stating that their office hours ended at XXXX XXXX  ( even though it was XXXX XXXX  at the time ). I have no way of getting my credit report let alone freezing it. I have no idea what is going on. I find it deeply concerning that a company this irresponsible has access to my credit report information, and I have no access let alone control over it.
Product: Credit card or prepaid card

During my investigations into a fraudulent withdrawal, I discovered erroneous billing through my credit card. I had booked a trip through a travel agent and paid with my credit card for {$4300.00}. There was an existing balance of about {$4000.00}. Later on that week. I had made a cash payment on the credit card for {$4600.00}. However, I recently discovered that Wells Fargo did not charge my card, rather issued a cash advance. My payment of {$4600.00} was allocated to my purchases and not my higher interest rate cash advance balance. This error increased my interest charges unfairly and outside of the scope of our agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried contacting Experian about the fraudulent accounts on my credit report. They refuse to remove them even though they are not mine.
Product: Mortgage

I have a second mortgage through U.S. Bank that was originally for {$50000.00}. Below lists information regarding a chapter XXXX bankruptcy that we filed. 

XXXX XXXX XXXX and XXXX XXXX Case type : bk Chapter : XXXX Asset : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Date filed : XX/XX/XXXX Date of last filing : XX/XX/XXXX Debtor discharged : XX/XX/XXXX Joint debtor discharged : XX/XX/XXXX Date terminated : XX/XX/XXXX During and after our bankruptcy we have not received any statements or notices stating what our monthly charge is supposed to be. To avoid any problems with our mortgage we paid monthly through our bank account what we were originally told to pay. Over the years we somehow accumulated over {$6000.00} in charges and/or fees. Apparently, with us having a variable interest loan, our monthly payments fluctuated. This put us behind which put us into a perpetual fee cycle. Maybe 3 or 4 times I received mail notice that we were behind on payments. Each time I tried to figure things out on the phone to what was happening and how to remedy the issue. US Bank continues to refuse to provide a statement. Online where I am able to access my account, which i wasn't able to do for years, my account does not state my monthly charge. Instead, it states how much I owe overall due to fees and other charges. When I call US Bank, I'm told that I don't have to pay the large amount but just need to pay the minimum that does not include fees and charges. I let them know that I'll have to call every month if I want to know what is owed each month and to please fix it so that I know what's owed monthly. I've also asked to have charges and fees waived since for years I was accruing charges month after month without ever knowing it was happening. Each time I called previously, I had thought the issue was fixed. It wasn't until I could actually see my account online about 6 months ago that I could see that US Bank had added onto my original account of {$50000.00}. I have lived in my house for almost 10 years now and instead of paying down my loan I owe more than when I first got the loan. 

I had thought that bankruptcy laws protected the consumer from such things happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below the inquiry that is still reporting on my credit report and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CREDIT PLUS Inquiry DateXX/XX/2021;
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2005 and a XXXX dollar balance should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card

I went to XXXX XXXX to pay my credit card bill. The cashier charged me {$250.00} in error as I only wanted to pay {$200.00}. She corrected her mistake and charged me {$200.00}. On my bank statement on XX/XX/23 I received charges for {$250.00} and {$200.00} and then received a credit on XX/XX/23 for {$250.00} error which makes sense. The {$200.00} payment made at the store was never credited to my credit card. I have called Comenity Bank many times. In XXXX, they investigated and sent me a letter that I will need to resolve with the store. I went to the store and was given a business card with a customer service number. I called and was connected with Comenity Bank again. I opened a complaint at XXXX XXXX who said it will take XXXX weeks to investigate. General Support -Claims [ Incident : XXXX ]. I have been charged late fees, interest and my credit score has been affected not to mention all the time and frustration. I was told today they can not reverse late fees without a payment so they want me to pay again when I already paid. It appears there is a loss prevention problem at XXXX XXXX and noone is willing to help. I highly suggest no one make payments at the store. I need this issue resolved and am hoping for help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

So received numerous calls and texts about a debt that doesn't belong to me. I told them, and they still continue to call and text me.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Writ of Quo Warranto and Affidavit of Invocation : Invoking Usufructuary Rights and Executor Authority Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Mandate for Enforcement of Private Judicial Notice and Legislation Divine Adjudication Acknowledgment : " Let God be our Judge as He has set the Watchers to watch over Man '' jude, in behalf of XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX 
XXXX XXXX. Florida. 
ZIP EXEMPT. 

To : XXXX XXXX XXXX XXXX XXXX XXXX ( inclusive of successors ) XXXX XXXX XXXX XXXX XXXX, California To : XXXX XXXX XXXX XXXX XXXX XXXX, California From : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, This writ, affidavit and notice serves as an unequivocal invocation of the rights vested in my role as Executor of the Precedent Vested Landed Estate of XXXX XXXX XXXX XXXX XXXX As the Certificated Security Holder of the principal debtor/Franchise/Cestui que Trust XXXX XXXX XXXX, I am actively invoking my right to manage all affairs pertaining to the principal debtor and to enforce compliance by your agency with the established principles of the Law Merchant, the mandates of the Administrative Procedure Act, and the obligations set forth in the Uniform Commercial Code, which govern your conduct and reporting practices. 

By issuing this High Prerogative Writ of Quo Warranto, I invoke the creation of a constructive trust, thereby imposing upon you fiduciary duties due to the unauthorized use of the certain estate 's credit information, which constitutes responsibilities akin to those of a usufructuary. 

This notice challenges any ultra vires actions undertaken by your agency, and as per your obligations under the UCC, demands the correction of inaccuracies that have arisen from your reporting. You are required to demonstrate proof of the legislative or authoritative basis that permits your enforcement of certain credit instruments, as requested, pertaining to the estate. Absent such verification, I invoke my right to demand the cessation of any reporting activities that infringe upon the estate 's rights, as will be detailed in the comprehensive factual document that follows.
Product: Debt collection

I am sending this complaint regarding inaccurate and unknown things on my credit report. This debt collector is in violation under 15 U.S. Code 1681e ( B ). This account doesn't belong to me. The Account IC System ( Original Creditor ) XXXX XXXX XXXX. The date last active on this account is different on XXXX and XXXX. This also violates the maximum possible accuracy law. I demand that this account be deleted immediately, or I will file for litigation due to the stress you caused me.
Product: Debt collection

I have paid this account balanace off in full and it is still reporting to my credit report. I was denied credit but of this account remaining on my credit report despite being paid. I have fulfilled my end of the obligation, please remove it as promised.
Product: Checking or savings account

I made a payment to my credit card issuers for {$47.00}, to be debited against my BOA checking account. I didnt realize at the time that I only had funds available in the amount of {$46.00} in my checking account. The payment was not made out and my checking account became overdrawn. I incurred {$100.00} total in overdraft fees from BOA and my credit card account has been restricted, all because of a {$1.00} miscalculation. BOA refunded {$70.00} of the {$100.00} fees incurred but hasnt addressed the outstanding {$35.00} fee nor have they attempted to reach out to my credit card issuer to help rectify my restricted account.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to NSTAR/COOPER XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NSTAR/COOPER 's customer service representative XXXX
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; CXXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$1100.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC 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: Credit reporting, credit repair services, or other personal consumer reports

Theyre removing good accounts XXXX and Transunion