23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I never applied for credit with this company and XXXX is the only credit agency reporting this inaccurate information. I tried to call the company with no success in reaching anyone regarding these inquiries!
Product: Debt collection

This company has committed fraud. As a natural person, consumer and original creditor, they have broken the law, violated a multitude of federally protected rights against a federally protected consumer and on my behalf ruined my reputation. They have violated15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692f ( 8 ), 15 USC 1692d ( 1 ), 15 USC 1681 and many more. I recently yesterday contacted and sent the company means to help themselves after committing fraud.
Product: Money transfer, virtual currency, or money service

Im filing against Cashapp, Block.inc I tried to reach them when I seen money coming off my card and I wanted to report it. I learned to lock the card to make them stop and did not receive a refund. They violated the consumer financial protection act. The dispute process was not successful because I didnt get a resolution. It really was an inconvenience that I didnt have my money when I needed it.
Product: Checking or savings account

I tried to dispute a purchase charged to my chime Debit card. I had a new card sent immediately and began a dispute and they just told me that it was denied. It was a purchase in the amount of {$48.00} charged at a hardware store with the name XXXX XXXX XXXX. I dont know anyone by that name and Im very upset that they would deny me a refund for a purchase I very clearly did not make. I have no purpose to be buying stuff from a hardware store and very much so wanted my money back. After the holidays I will be finding a new bank to switch to. This is ridiculous.
Product: Debt collection

I received a notice for this debt from a Niagara Credit Solutions , Inc on XX/XX/XXXX stating that the debt owed was XXXX. Then on XX/XX/XXXX I received a call from someone at ext XXXX saying that I owed over XXXX don't recall the full amount. How is this possible what interest rate are they charging on this? I want a copy of any letter stating the rate that would be charged to be sent to me.
Product: Credit reporting

This is the third time I have tried to get equifax to update this account.I have submitted supporting documents each time. I sent transunion the same documents my credit file was updated with no problem. I call equifax in XX/XX/XXXX the repesentive I talked to told me just because I submit supporting it 's up to the creditor not equifax to update my credit file according to the fair credit reporting act if a consumer provide supporting documents the credit file must be updated..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

604 15 USC 1681B 15 USC 1681 section 602 states I have the right to privacy.

15 USC 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. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I received credit monitoring alerts of changes to my credit report ( from various card issuers and XXXX XXXX ) over the course of this past week and reviewed my credit report via XXXX XXXX today ( XXXX XXXX, XXXX  ). 

There is now a mortgage listed that I did not acquire from " Selene Finance LP '' with a balance of {$380000.00} as of XXXXXXXX XXXX XXXX 

I called the number listed in the report ( XXXX ) on Saturday, XXXX XXXX XXXX around XXXX XXXX. I was transferred without my consent to a representative making a sales pitch for a medical device. After stating multiple times that I was not interested, I was transferred without my consent to a different number with a recording, indicating that to discuss the account, I must call XXXX. I called that number and heard a recording that directed me to call a different number to discuss the account. Given my experience thus far, I am now seeking help from the CFPB. 

I did not provide this company with my personal information, complete any application documents, attempt to acquire a mortgage from them, or consent to them opening an account on my behalf. I have not in any way had any contact with this company. I have a legitimate mortgage for a different amount through a different lender. 

This company appears to have obtained my information fraudulently, and is engaging in deceptive practices to avoid speaking with me. 

The contact info reported with the account is : SELENE FINANCE LP ATTN CUSTOMER SERVICE RESEARCH XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am a joint owner on a Wells Fargo Checking Account with my mother. My mom is older, on a fixed income, and has XXXX XXXX XXXXXXXX so dealing with stressful financial things is difficult. I am usually her advocate. 

She never completed opening a XXXX Account linked to the checking account. 

In XXXX of XXXX there were XXXX instances of XXXX XXXX : XX/XX/XXXX XXXX to XXXX XXXX Ref # XXXX {$990.00} XX/XX/XXXX XXXX to XXXX XXXX Ref # XXXX Void XXXX {$990.00} XX/XX/XXXX XXXX to XXXX XXXX XXXX # XXXX {$990.00} XX/XX/XXXX XXXX to Case Close Ref # XXXX Close Case XXXX {$990.00} These 4 transactions totaling almost {$4000.00} were all fradulent. 

We have called multiple times and put in multiple claims of Fraud and Wells Fargo has done nothing. I am a complete joint owner on the account. We have also gone to the bank in person ( XX/XX/XXXX ) and filed a claim. In the most recent interaction they closed my claim and refused to discuss her older claim because " the transactions originated from her online account ''.
Product: Credit reporting or other personal consumer reports

XXXX and Trans Union are only companies Ive looked for information thus far. I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items as they are incorrect and do not effect my true credit score.
Product: Credit card

Ive told this company to stop increasing my credit line and they continue to increase my credit line. I spoke today with employees XXXX and XXXX of this illegal practice of bait and switch.
Product: Credit card or prepaid card

On XX/XX/2019, after I purchased gas at a XXXX XXXX  ( near XXXX ), I noticed my credit card chip or identity was stolen. There were 9 unauthorized transactions ( total of ~ {$800.00} ) shown up on my Bank of America credit card account. These transactions were made during XXXX until I called BOA to issue a replacement card. A fraud claim has been filed to the bank but was denied by the Bank many times ( even by the supervisor ), even though I have filed a police report to support my claim and contacted the credit reporting agencies. I never had a late payment and has been with the BOA for 10+years. 
I do not understand why BOA would doubt the fraud claim filed by a loyal XXXX  XXXX XXXX. Based on my purchase history, I rarely ever made purchases at those stores ( XXXX, XXXX, XXXX XXXXXXXX ). These were obvious frauds. I should have just told the Bank that my credit card was lost or stolen. I am not sure what else I could do with these fraudulent charges.
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft and my identity is out there with someone being used from someone in everything i travel a lot and iam old school i don't even know how to check my credit my wife was checking my credit report and she showed me accounts i don't recognize and been used for a while and this is dangerous i just found aclled my lawyer and he told me that the bureaus and the creditors were supposed to notify me 5 days prior any reporting and i was not notified and this is illegal and against the law as of 15 U.S.CODE 1692g Validation of debts they violated my consumer rights and privacy and harmed me i will take legal actions against the bureaus and the creditors cause no one is giving me signatures or contracts or any proof or evidence so i can protect my self and 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. 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, other than records of convictions of crimes which have dates the reports 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 in inaccurate Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. these are the accounts : 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
Product: Credit reporting or other personal consumer reports

all these hard inquiries I dont recognize AND REPORTED : -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX & Equifax No Accurate Whit my credit Report XXXX XXXX XXXXXXXX appears XXXX XXXX XXXXXXXX and XXXXXXXX XXXX  Exquifax XXXX  XXXX XXXX XXXX and XXXX XXXX  In the Same Account Show XXXX XXXX XXXX Payments 100 % Payments XXXX  over 7 Years Remove the NEGATIVE MARK in my Credit REPORT
Product: Credit card

My wife and I took a financing arrangement from Wells Fargo for roughly {$5000.00} for XXXX in XX/XX/XXXX/XX/XX/XXXX. We discussed various financing options and finally my wife presumably signed up for a 12 month 0 % interest rate. However, I mistakenly assumed that we signed up for a 18 month 0 % card. I was making a monthly payment of {$200.00} above the minimum payment during the 0 % period. While reviewing my XX/XX/XXXX bill I saw an interest payment of ~ {$1500.00} on a balance of {$2800.00}. I immediately called Wells Fargo to discuss the matter and informed them that this was a genuine misunderstanding on my part, I have an excellent credit, never missed a payment and since I was just a day late, they should waive the fees. I even offered to pay the entire outstanding balance of {$2800.00} and close the account. 

Although I do accept that the misunderstanding was my mistake, I acted immediately to rectify the situation. The way that Wells Fargo representatives that I spoke with handled the situation was ridiculous and our multiple discussions have not resulted in any positive closure, but rather a hardening of stance asserting that what Wells Fargo did was moral and ethical. 

Please help!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i recognized a inquiry on my account that i didnt know anything about or signed up for and ive try to get it removed since then by calling customer service and trying to do it on line and it hasnt worked.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies TRANSUNION and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TRANSUNION, XXXX, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TRANSUNION and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services for the account regards to XXXX XXXX XXXX.
Product: Student loan

Navient was never my loan servicer. Somehow Navient acquired my student loans without my knowledge along with valuable personal information. Navient was negligent in notification of the purchase or my loans and didn't notify me of the terms. Before I knew it my loans were in default with Navient when I placed them in deferment or forbearance with the customer service representative for Navient. Apparently the representative did not do their job and I wasn't notified. I want the defaults and history removed from my account.
Product: Mortgage

I refinanced my 30yr fixed rate FHA mortgage in to a 15yr fixed conventional loan. My old lender Ocwen received the pay off amount on XXXX/XXXX/2015. As per HUD, The Federal Housing Administration ( FHA ) today announced that borrowers who prepay their FHA-insured mortgages will not have to make interest payments beyond the date their mortgage is paid in full. FHA 's rule, Handling Prepayments : Eliminating Post-Payment Interest Charges, applies for FHA-insured mortgages closed on or after XXXX XXXX, 2015. This rule explicitly prohibits lenders from charging borrowers post settlement interest, which is broadly defined as a " prepayment penalty '' by the Consumer Financial Protection Bureau ( CFPB ), for all FHA Single Family mortgage products and programs. 
Ocwen is telling me that they calculate the interest on a monthly basis not on per Diem basis as opposed to that above rule. They have charged me interest for the whole month of XXXX. Ocwen charged me {$1000.00} in extra interest payment for the XXXX days of XXXX, when HUD clearly says there is no prepayment penalty. 
I have written letter to Ocwen expressing my concern about the extra interest payment and they have replied me back saying that they will only calculate interest on monthly basis and denied my appeal to refund the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

While I was XXXX, I had my Grandmothers address as my record address for my student loan because I move so much in the military. In XXXX from the military. The problem is, I never received notification of deferment needs/ payment requirements because my Grandmother had passed away and I no longer had her to forward my mail to me and I never received anything from Navient when they received the mail returned to sender. I only noticed the error when my normally stellar credit turned bad. I immediately contacted Navient set up payment terms, had deferments submitted for the problematic period of non-payment and even forwarded a copy of my Grandmothers obituary as a substantiating document to what had happened. I believed all was good however, Navient is reporting the period of non-payment negatively on my credit report when I had was unaware that the requirement existed. In addition to this negative information, they are reporting my loan broken into five separate accounts, compounding the negative information in that it appears I have 5 separate instances of non-payment. I recently tried to dispute the negative information on my credit report but Navient reported back that the information was correct and my credit remains negative even though I have set up automatic payments as soon as I was aware of the requirement.
Product: Credit reporting or other personal consumer reports

According to XXXX in Article 49A unpaid medical debt is not allowed to be reported to credit reporting agencies. This law has been in effect since XX/XX/2023
Product: Credit card or prepaid card

I APPLIED FOR APPLE CARD FROM GOLDMAN SACHS. I APPLIED AND WAS DENIED ON XX/XX/2021 AND FOR REASON UNABLE TO VERIFY IDENTITY. I'VE CALL THIS MORNING TO ASAK ABOUT MY APPLICATION AND WAS TOLD THAT, XXXX XXXX MAKES THE DECISION. I TOLD THE REPRESENTATIVE THAT CREDIT BUREAU DO NOT MAKE DECISIONS ON APPLICATION, THE DECISION IS MADE BY THE BANK TO APPROVE OR DISAPPROVE SUCH APPLICATION. I HAVE NO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I CONTINUE TO GET DENIED. I WANT MANAGEMENT TO REVIEW MY APPLICATION. MY CREDIT SCORE IS XXXX AND I HAVE NO ISSUES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Federal Loan that were being serviced by XXXX who is no longer in business, I have disputed the accounts with Trans Union, XXXX, XXXX, XXXX, XXXX, each company keeps verifying these accounts as active and balances correct. XXXX phone is always busy and from a search it says they are closed. so how can they be verifying these accounts as correct, active with a balance when they don't. I've been disputing these accounts since last year when they were paid off and closed.