23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I'm trying to make a payment on my account, it is now late. The company only uses a mobile app. Everytime I open the app it says deposit pending. It keeps saying arriving by the next business day by XXXX, but after the time comes, I get no deposit and the timer resets. There is a button that says pay with debit card, but when I click on it. Nothing happens. This is ruining my credit.
Product: Checking or savings account

I was employed with XXXX in XXXX XXXX XXXX My pay was put on an exceed pay card. I had over XXXX dollars in my account thay shut down my account because I was not working for XXXX anymore and said they were sending me my money by check that was in XXXX said within 2 weeks. No check. I called them back thay said 2 more weeks. Still no check. So I called them back thay said no longer than XX/XX/XXXX. 2023. Still nothing I called thay say they dont know. That was my house payment and I dont know what to do.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/year> - {$4700.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. I recently reviewed my credit file and discovered the following inquiries that I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), a company must have permissible purpose and my explicit consent before initiating a hard inquiry on my credit report. I have never applied for credit or authorized these entities to perform a hard pull on my file. These inquiries are negatively impacting my credit score and may cause further harm if not addressed promptly. 

I have already attempted to resolve this matter directly with the credit bureaus and the creditors involved, but I have not received a satisfactory resolution. As this is a clear violation of my consumer rights under the FCRA, I am requesting the CFPB 's immediate intervention to ensure these unauthorized inquiries are removed from my credit report. 

I request that the CFPB investigate this matter and take appropriate action against the companies responsible for the unauthorized inquiries. 

I appreciate your prompt attention to this issue and look forward to your response. Please confirm receipt of my complaint and provide updates on any actions taken.
Product: Mortgage

False statements submitted in a response letter from US BANK NA I did n't vacate my home the XXXX XXXX county sheriff 's deputies executed an illegal homeowner eviction of XXXX 2013, I, myself the original homeowner, relative room renter and a host of neighbors are KEY WITNESSES because of lack of action by the District Attorney 's office on my pending legal complaint pending before the District Attorney 's office. FOR PERSONAL SAFETY REASONS I POSTPONED TO TAKE BACK UP RESIDENCE IN MY HOME. There is no FHA LOAN ESCROW CLOSE recorded on my real estate property with the XXXX XXXX county recorder office, as part of the OCC FEDERAL CASES investigation into us bank na mortgage loan account number XXXX, it was discovered via identity theft linked with loan fraud qualifications in my name the former senior partners and title holders of my real estate property working with U.S.BANK NA fraudulent activity defrauded the DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT of approximately {$130.00}, XXXX this is to include an alleged down payment governmental grant of {$5000.00} the FHA LOAN FUNDS WAS NEVER RECOVERED thank you.
Product: Debt collection

Received a collection letter from from National Service BUREAU. I sent a validation letter asking for verification of the debt. This is what I received : Claim # /ID # different from the original letter. 

Date of incident different from the original letter. 

Amount owed different from the original letter. 

Neither my name or address was on the pages sent, only on the hadwritten envelope. 

I called the collection agency asking for a callback. When a week passed with no callback, I called them. The person I reached was extremely rude, seemed to deliberately misunderstand the issue, and repeatedly claimed that I was " not making any sense. '' They eventually transferred the call to another voicemail box. Issue was not resolved.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC 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 make take 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 1681 S-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

Over a year ago, I called RoundPoint customer service to ask about options to reduce my monthly mortgage payments, even for just a short period. The customer service employee told me about forbearance and how I could pause my payments for a period. Then, at the end, I could either pay the money back or have those payments added to the end of my loan. I asked if it would affect my credit score and I was assured that it would not. 
I was not delinquent or late on my mortgage at the time. I did not have to do the forbearance but as it was sold to me by customer service I thought it made sense since I was switching jobs as well as my XXXXXXXX XXXX  haXXXX XXXX XXXXXXXX XXXX and my wife was XXXX XXXX XXXX XXXX XXXX  at the time, so it made sense to save money for the increase in medical bills and the loss of income during that period. Again, I could have continued to make the payments for my mortgage. Throughout the forbearance period, RoundPoint would call me monthly which I would answer and ask each time if this would effect my credit score and each time I was assured that it would not. 
When it came time for the loan modification, I did everything I was asked and was not late with any payments. I actually had to complete the paperwork twice because of an issue on Roundpoint 's end. I also received someone elses loan modification paperwork, which I called Roundpoint and mailed back, which raised concern on my end I believe I deferred 9 months of mortgage payments, only to have my mortgage extended an additional 10 years, while my monthly payment went up. And then to have three missed payments reported on my credit report dropping my score almost XXXX points and making it almost impossible to get any loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Checking or savings account

I opened the saving account with BOA in XXXX and at that time there was no service fee associated with it. However I just realized that starting from XXXX XXXX, BOA started charging fee on my account without any notification or justification. I understand bank XXXX change its policy to make more money, but at least it should have their customers being aware of. If I were informed, I might act accordingly to avoid that fee. I called BOA and after explaining the issue to the customer representative, XXXX put me on a very very long hold. So far the issue is still not resolved. I would not mind paying any legitimate fees but what BOA does makes me feel sick. I feel very insecure banking with BOA as the bank would charge me erratic fees without even telling.
Product: Credit card

I need your assistance with Chase Bank. I believe they are in violation of both the Consumer Credit Protection Act and the Equal Credit Opportunity Act. 

I have been denied multiple times credit cards from Chase since my bankruptcy in XXXX. 

In XXXX I applied for the credit card after receiving an invitation from United Airlines. 
To my surprise I was approved with a hefty credit line. To my surprise the credit card ending in XXXX was closed by the bank with a computerized letter canceling my card. 

I appealed to the executive office of chase and within 30 days my appeal was declined. 

I applied for another credit card 30 days later on the Chase website and again was approved again with a good line of credit. 

On XX/XX/XXXX I was notified that credit card was terminated effective XXXX. 

I currently have one additional card and sadly I am just awaiting the next letter terminating that card. 

I believe its time for the DOJ start a legal action to protect me the consumer and file a civil lawsuit against Chase. As I stated to United airlines and Marriort hotels if they can XXXX me without any ramifications knowing XXXX can not fight XXXX by himself. 
How many other consumers were screwed by Chase!!! 

I await your response in this very important matter. 

I can be reached at XXXX XXXX XXXX XXXX XXXXXXXX. 

Thank you, XXXX XXXX
Product: Student loan

Navient XXXX loans have caused myself & millions of Americans to not able to live the American burden because they ensure that their loans are almost impossible to pay off. I graduated college in XXXX with barely {$20000.00} in student loans from Navient and XXXX XXXX  later my loans arent less but significantly higher ( @ {$35000.00} ). How is this possible. They are predatory and do not belong in the student loan business. 

I sincerely hope that the US Government acts to free people like myself and others who have been financially plagued and harassed by this company for over XXXXXXXX XXXX can finally find peace & freedom from this tremendous burden. 

Thank you, XXXX XXXX
Product: Credit card

On XX/XX/XXXX Capital One reduced my credit limit from {$9000.00} to {$2000.00}, citing a drop in my credit score. This score decrease was caused by an erroneous XXXX delinquency reported by XXXX XXXX  XXXX to the credit bureaus.

It is critical to note that my Capital One account has always been in perfect standing. I have maintained a very low balance on this account for an extended period, and I have never missed or been late on a payment. Despite this flawless track record, I am being unfairly penalized for an issue that occurred with a different bank. 

The delinquency reported by XXXX XXXX  XXXX is inaccurate. The payment in question was made on XX/XX/XXXX, the XXXX day after the due date of XX/XX/XXXX, and should not have triggered a delinquency report. This error is currently being corrected by XXXX XXXX XXXXXXXX corporate office. 

Capital Ones decision to reduce my credit limit based on a temporary and unrelated credit score issue caused by another bank is both unfair and harmful. This reduction has increased my credit utilization ratio and put unnecessary strain on my credit score, which will only worsen the impact of XXXX XXXXXXXX XXXX mistake. Capital Ones actions have exacerbated an issue that has nothing to do with my relationship with your company, and I should not be penalized for the actions of another bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Credit Information Account : XXXXXXXX XXXX XXXXXXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXXXXXX Account Number : [ XXXX ] High Balance : {$14000.00} Balance Owed : {$14000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account, Accounts closed by credit grantor Credit Limit : {$0.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : XXXX : No detailed information provided. 
XXXX : No detailed information provided. 
Equifax : Account reported with a balance of {$14000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 

Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX Last reported XX/XX/year> {$780.00} Open balance XXXX XXXX XXXX Original creditor Opened XX/XX/year> ( XXXX mos ) Account status Open Type -- Responsibility Joint Remarks Account previously in dispute - Now resolved by data furnisher Original creditor name XXXX XXXX XXXX this account was open under my name without my consent I had never leave or move in to that appartment.
Product: Credit reporting or other personal consumer reports

Pursuant to the FAIR CREDIT REPORTING ACT [ 15 USC 1681S-2 ] it is PROHIBITED for a financial institution to furnish Negative Information about a consumer to a consumer reporting agency without providing such notice in WRITING to a consumer of such furnishing of Negative Information 30 days prior or after furnishing Negative Information to a consumer reporting agency. I swear under the penalty of perjury that I have never received the required notice in WRITING from the financial institutions that are furnishing Negative Information about me to consumer reporting agencies. The consumer reporting agencies ( TRANSUNION AND XXXX ) are furnishing this Negative Information on my credit report and have responded to me and stated the information has been Verified when I sent in a dispute letter notifying them of the violation of my consumer rights.

A consumer reporting agency could not have used reasonable procedures to ensure maximum possible accuracy of the information they are furnishing about me and VERIFY information that has been illegally furnished to them about me. According to the FCRA this action falls under [ 15 USC 1681n ] or [ 15 USC 1681o ] and it is damaging to me. My request as a consumer exercising my consumer rights has been to DELETE all the negative information from my consumer report and to UPDATE all Late Payments to XXXX  : PAID AS AGREED NEVER LATE.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, personal loan, or advance loan

TDRC/YARDCARD {$3200.00} In XXXX I started having problems paying my bill with this company. 
XX/XX/year>XXXX  I made a payment to this company XX/XX/year>XXXX  I tried to pay my bill and it didn't allow me to... I tried calling the company but wasn't able to reach anyone. Due to me not being able to pay it hit my credit as late and caused my score to drop tremendously. I begin to research the company online and was enlightened that the company recently plea guilty in money laundering.
Product: Checking or savings account

On XX/XX/XXXX, I went to my local Seacoast National Bank ATM in XXXX, Fl. The ATM I used was located outside the bank. I made a initial deposit of {$220.00} into my checking account around XXXX XXXX. I proceeded to make a second separate transaction deposit of {$340.00} to my checking account. For some reason the ATM cancelled my transaction and failed to give me the {$340.00} back or even give me a receipt. I waited to see if the money would be returned and nothing happened. I checked my bank account and the money was not deposited successfully meaning the money was stuck in the ATM. I proceeded to file a report with the bank and they added the {$340.00} to my account on XX/XX/XXXX. They proceeded to investigate the incident and claimed their was no reason Seacoast National Bank was responsible. This included the bank deducting {$340.00} from my account again. I am very upset this happened and no one seems to look further into the issue. I have contacted their customer service and nothing is being done to investigate further. My money could not have just disappeared in the ATM. I remember clearly what bills I added into the ATM and have a text message of {$0.00} being deposited into my account at XXXX. I also tried making a third deposit to the ATM to see if something else would happen and the deposit button was no longer available meaning the ATM was not allowing any more deposits to be made. I have had this happen to me already at this same ATM.
Product: Debt collection

I check my Credit Karma report monthly and several months ago this debt just shows up on my credit report as a " bad debt '' from a PROCOLLECT. They never contacted me, or gave me a chance to even pay the {$75.00} debt - if it was in fact legitimate. I wrote them a letter and got back a coded response with no discernable information on it to determine if it was even a good debt. They gave me no phone numbers to call for verification or any information on how to validate this debt. I 'm at a loss as to what to do now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have refused to removed fraud inquiries from my credit report for 16 months. I have sent them information and so has XXXX XXXX to have them remove it on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amd they still have not removed it. They have also locked me out of my XXXX account and locked me out of my equifax account.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was used fraudulently by an unknown individual with my consent, resulting in numerous open account that was not paid. i was confused when i saw my credit report with all these debt that was not mined, i wonder how is that allowed by creditors who open these credit lines. i was told by a friend who had it happened that i can get some if not all removed from my credit report, i am really hoping that happened for me. my identity was stolen badly.
Product: Credit reporting or other personal consumer reports

Someone charged XXXX dollars on XXXX account. XXXX financial was changed to XXXX pay. T he day i registered with them my account was charged for XXXX dollars by someone else. I have reported it to XXXX and placed fraud alert on all credit unions but recieved notice fromtransunion saying they investigated and found it right. That is not my charge and i will not pay it. I only owe a little over XXXX dollars. The person accsess my account in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy that is reporting on my report. It is a chapter XX/XX/XXXX that by law and the credit reporting companies on statements is supposed to be removed after 7 years. 
I filed the bankruptcy in XXXX, it was confirmed in XXXX and we completed the plan in XXXX. The seven year mark was in XXXX of XXXX. 

We have requested that all three major credit bureaus remove the data, per law and their own statements, but they will not do it. Its is still showing at all three major bureaus and we feel we need help to get it removed. 

I have requested removal on XX/XX/XXXX and again, after being denied on XX/XX/XXXX with no response. 

We received our final order and release on XX/XX/XXXX. XXXX copy attached ) So it has now been
Product: Credit reporting or other personal consumer reports

I want to file a lawsuit against this company for fraudulent conduct and harassment against my will. I have been harassed for payments for a loan I never opened and I will not pay anything thats doesnt belong to me.
Product: Debt collection

I received a notice from credence resource manage that I owe a collection amount of XXXX in regards to acct # XXXX, I informed them that I was exercising my right to discharge debt under HJR 192 73- 10. Also 18 USC 8, all debts are the obligation of the UNITED STATES. Also by being a third party debt collector they are in violation of the FDCPA ( Fair debt Collection Practice Act ). Violations 806, 807 ( 2 ) 808, 807 ( 11 ) 809, 812. It has become a burden and creating stress which is causing physical damages to my body. Also theyre in violation of 15 USC 1692 ( c ) a 15 USC 1692 ( b ) 2 b ( 5 ) 15 USC 1692 ( d ) 215USC 1692 ( g ). This added stress is creating a hardship on me and my family. They told me I have no rights and they are exempt from these laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/2023 was open fraudulently. Needs removed immediately