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

Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX ID TYPE : identification ID # : XXXX Address : XXXX XXXX XXXX XXXX KS XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my Equifax Consumer report. I have NEVER requested credit from the following accounts : XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Equifax report immediately!
Product: Mortgage

Our mortgage was sold to Carrington Mortgage Services in XXXX. After we sent in our XXXX payment, Carrington lost {$100.00} of the payment. They could not account for it, and they did not know where it went. After numerous phone calls, they finally agreed to look into it. It took Carrington more than XXXX weeks to correct it, and they still offered me no explanation as to what happened. 
This is when it gets fun! To correct the problem, Carrington deducted a whole additional payment ( {$1200.00} ) from my checking account Without notification or my permission. They were able to do this because they made an electronic-funds-transfer from my original check, and then they also deposited the actual paper check ( same check number too! ). Needless to say, XXXX mortgage payments withdrawn in 32 days overdrew my account. After racking up NSF bank fees for three days, Carrington quietly deposited the money back in my checking account with the notation " check pymt PCF ''. They did n't even attach their name to the transfer. I called Carrington as soon as I found out about this, and all they had to say was " They could n't understand why I made a payment in the middle of the month? '' They could see the extra money, but " there 's no way that they initiated the transfer ''. The woman said that there was nothing they could do. She suggested that I send Carrington " All my bank statements, dating back to XXXX '' XXXX? Are you kidding me? You want some DNA too? Maybe my ATM PIN? I spoke with her supervisor, XXXX, and he said the same thing. I told XXXX that I wanted to Opt-Out of electronic-funds-transfer on my mortgage, and he said that I agreed to that by having my mortgage with Carrington. I told him that he had to abide by my original loan terms, and asked why my monthly statement from Carrington included HIS phone number if I wanted to opt-out of EFT? 
Bottom line : Carrington Mortgage is a bunch of loan-shark, scam artists that ca n't even read the information they publish on their own website. They must be used to dealing with lots of delinquent debtors that they can silently exploit as second-class citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2019 I opened an account with XXXX  XXXX, I was on time with my payments up until we had a national emergency with COVID-19. I've disputed this with the credit bureaus stating they were violationg my rights on reporting negative remarks under the CARES Act. Upon further research I learned that my rights are also being violated by both the bureaus and XXXX  XXXX under The HEROES Act where it states that no negative remarks should be reported during The COVID-19 pandemic plus 120 days and that under FDCPA restrictions have been placed on debt collecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a home back in XXXX I dealt with mortgage forward with XXXX XXXX XXXX I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was XXXX parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX FCI lending they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for XXXX XXXX and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.
Product: Payday loan, title loan, or personal loan

XXXX was used to get a ppp loan they use Benworth to fund. I was approved by the SBA and Benworth funded me the {$2500.00} dollars but XXXX XXXX  sent back to benworth on XX/XX/XXXX th. Benworth has refused to help me only stating that I was funded. I have XXXX XXXX email stating they rejected it. Now theres no way of contacting XXXX or benworth and somewhere sits my bussiness money. That was for draw 1. now today Benworth just denied my draw 2 for reasons being I filed with XXXX most likely. So Benworth loans is not releasing my money and as a single father and triying to keep my bussiness going for me and my little boy Benworth has myself and thousands other not receiving there entitled monies. I have added 4 banks to XXXX  website for Benworth to send loan to and yet no answers. I have attached loan 1 and loan 2 and promissory note that I signed and was approved for AND HAVE NOT RECEIVED EITHER
Product: Credit reporting or other personal consumer reports

My Ex hade been using my credit to apply for credit cards whiteout my knowledge for years he just told me a after I called the police credit cards he opened and used under my name XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY 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

In accordance with the fair credit reporting act this creditor XXXX XXXX  # XXXX has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor XXXX not treat a payment a credit card account under an open end consumer credit plan as late for any purpose Please Supply Me With Information That Was Used To Verify The Item ( XXXX ) Or Delete The Late Payments
Product: Credit reporting or other personal consumer reports

Midland credit management is a collection agency and is reported on my credit report. I advised them that I do not owe this debt and to remove the collection from my credit report. Because I do not owe this debt, I requested validation required by the Fair Debt Collection Practices ( FDCPA ) via certified mail ( tracking : XXXX ) that was delivered on XX/XX/2024. The validation I requested is : Proof of my contract to pay the original creditor, A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; For all other charges, the date of and the basis for each charge and Copy of original contract bearing my signature. 

The collection did not fulfill the validation within 30 days and they did not send the requested documents. They only sent XXXX bills from the original creditor and transaction of fees they are charging me. Additionally, the date on those documents are XX/XX/2024 ( over 60 days of my request ). Also XXXX XXXX magistrate court sent me a dismissal of garnishment for this collection ( photos attached )
Product: Checking or savings account

XX/XX/XXXX An account was open in my name using data that is listed on my job website that was hacked as well. The hacker changed my banking information to unknown Chime account. A police report was made. My job has also tried to get the money sent back. Chime only sent XXXX of XXXX dollars. I have reached out to Chime 3 months straight, uploaded documents as well as identification and yet Chime have not rectified my concern of my refund. 

My job sent a report to chime to retrieve funds : Duplicate ticket -- Indemnity letter for PP26 was sent to XXXXXXXX XXXX on XX/XX/XXXX. We have not received a response/funds back at this time. We are not authorized to make refunds until the bank returns the money. The money was sent on trace # XXXX with a transfer date of XX/XX/XXXX and effective date of XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Account was made using my identity and financial information. Account was closed because of this. But refuse to reimburse
Product: Credit reporting or other personal consumer reports

TransUnion has repeatedly ignored my disputes and failed to comply with the Fair Credit Reporting Act ( FCRA ), including violations of 15 U.S.C. 1681i for not conducting a reasonable investigation and 15 U.S.C. 1681e ( b ) for failing to ensure maximum accuracy. These actions have caused me financial harm, emotional distress, and reputational damage. Despite submitting evidence, TransUnion continues to report inaccurate information, leaving me no choice but to seek damages under 15 U.S.C. 1681n and 1681o. I request the CFPB to intervene and enforce compliance.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a complaint about Comenity Bank via the CFPB ( XXXX ). I explained that I incurred some late reports on my Credit report due to XXXX and I submitted in documentation to prove my allegations asking the CFPB to help me. The CFPB submitted my compliant over to Comenity Bank and on XX/XX/XXXX Comenity Bank decreased my Credit Limit. I feel that Comenity bank deceased my credit limit in retaliation to myself submitting a complaint. I spoke to supervisor XXXX ( Employee ID XXXX ) on XX/XX/XXXX at XXXX XXXX  whom stated that he doesn't see a reason why my credit limit would be deceased except if they were going by my credit history in XXXX. This is the same credit history that I wrote in about asking for my late payments to be removed from my credit report. Also Comenity Bank had already deceased my Credit limit for these late payments deceasing it from a Credit Limit of {$250.00} to a Credit Limit of {$150.00}. I have been making all of my payments on time currently my balance is at a XXXX XXXX. Comenity Bank did not re-run my credit as all of my credit profiles are locked, so they would not have the access to do so. Please investigate this retaliation on my behalf.
Product: Student loan

I was steered to interest accruing forbearance and deferment. My original loan was {$6500.00} but is now {$58000.00}. It has affected my credit and I was never offered the opportunity to make right the original amount.
Product: Payday loan, title loan, or personal loan

Evergreen Services is doing the same thing that XXXX XXXX was charged with. They are located on an XXXX reservation. It lends small amounts of money with the payment schedule covering interest only and the option to pay off the loan directly is not made possible. They automatically keep you paying astronomical fees. Im embarrassed to have taken money from them but they need to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ONLINE INFORMATION SERVI account # 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: Credit reporting

I have disputed an account showing on my credit report with Equifax from XXXX XXXX XXXX XXXX in the amount of {$8100.00}. I have send XXXX XXXX XXXX XXXX XXXX letters requesting the contractual agreement with me and their company for that loan. XXXX on XXXX occasion asked me to send them a copy of the credit report that is reporting this information in which I did. Each time I request the contract information they never able to send it. I then dispute this Item with Equifax letting them know that I have no knowledge of this account with XXXX XXXX. Equifax somehow able to verify that this account belongs to me. when I call Equifax I was told that I have to provide proof that I try to reach out to XXXX XXXX asking for the contract and payment information or else I can not dispute this item again.I then send a copy of all the letters sent to XXXX XXXX XXXX XXXX along with the mail receipt showing that I did try to get them to respond to my request. All information that was send to Equifax was via online Equifax.com/disputes. Again Equifax say that this account is verified by the creditor. Since neither Equifax nor the creditor are unable to provide me with the information that I requested I need Equifax to remove this item from my credit report. This account is showing that charge off, collection and sold to another company unsecured. Please remove this account from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to apply for lines of credit several times with NFCU. I was discriminated every time, I know they go by an automated system that helps accept or discriminate, but my reports has been furnished for so long and when I try to speak with underwriters or financial admin I get the run around. 
Ive been a member with this bank for a while so while Im helping them achieve I feel like Im not being compensated with the same respect. I deposit with NFCU every month but I never see returns for the deposits. I havent been able to get not 1 loan from this person since our union began.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act name XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX  XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX  XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXXXXXX Account number XXXX, have violated my rights XXXX 

15 USC 1681 Section 602 States that 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Checking or savings account

I have submitted 3 complaints re the Bank of America. They are ACTUALLY ONE COMPLAINT BUT COULD NOT FIND A WAY To note old complaint. The last time someone was supposed to call me from the bank. The last person to call me was XXXX XXXX on XX/XX/19. I was not here but returned his call within 15 minutes. I did not hear back. I called again a couple of days later but no return call. He SAID IN HIS MESSAGE i HAD TO CALL BACK BY XX/XX/19. I want you to know that I followed his instructions but no response. They are being ridiculous. I mentioned the law in CT about subpoenas but they will not let me see anything. If they are correct, as they say, then why wouldn't they want me to see the proof? Thank you.
Product: Checking or savings account

XX/XX/2024 XXXX Ga Wells Fargo, Went in person and tried to deposit XXXX into a friend 's account that is put of state and needs help, They said their policy is you can't deposit cash into someone else 's account, I ask what possible harm could it cause, I'm not trying to withdraw, just trying to put money in, they said we don't allow, I Saud that's the stupidest thing I've ever heard.

I called the complaint line and spoke with customer service and was told underhanded people did wrong/ bad things that messed it up gor everyone else -- -????

Makes no sense at all - who cares? What bad thing could possibly come from putting money into someone else 's account? Maybe some idiot could say later I changed my mind? Too bad it's done, I suspect it's really because they're not making money on it but guess what, I would have paid a fee to help my friend out. 
Stupid, Uncaring about customers- Not my account -- news flash, not trying to withdraw- trying to deposit. I will be adding to any blog I can find.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$7600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are publishing old driving records without saying that it was fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX U.S.C 1681 Section 602 A. States I have right to privacy.

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

5 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.

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 then seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my TransUnion report a new account to which I was never notified or given a chance to settle its in the amount of XXXXXXXX XXXX  and it appears to have been sold to XXXX without my permission, it further appears to be from XXXX XXXXXXXX. XXXX seems to think they can just report things to TransUnion because they know that TransUnion will do nothing to verify its validity.
Product: Debt collection

Hello I recently received an alert from the credit bureaus and notice a collection account on my credit reports. I have no knowledge of any collection or ever had an account with CACI owing {$2200.00}. I have contact the creditor, serval times and has not heard back from them. Also, I have reached out to all three credit bureaus requesting verification of this collection account ; to send me verification that this account belongs to me and any documents that is bearing my signature. As of today ( XX/XX/2021 ), I have not heard anything from them. I have maintain my credit in good standards for years. It issue is affecting my credit and I need someone to help me correct this problem.
Product: Money transfer, virtual currency, or money service

a Security breach causing my Business Checking Account to be fully taken over by a person not know on XX/XX/year>. they were successfully able to make 3 ACH wires from my Truist business account for a total of {$29000.00}. In 6 years with truist I have send 1 ACH totalling {$3700.00} and they were able to send 3 within minutes without any security measures being taken to decline them. all the while my account was two factor authenticated as I do with all of my accounts. I never got a single notification for any of the ACH 's sent. upon going to the bank I was informed that they were trying to call me and asked the number of which they tried to call. come to find the criminal had changed all of my information and never received any 2 factor authentication messages for these changes either. since finding out about the fraud I have : -Filed Police report with XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) -Filed report with FBI ( XX/XX/year> ) -Disputed Transactions ( XX/XX/year> ) -Affidavit for Truist ( XX/XX/year> ) -Scanned all devices for malware per banks request XX/XX/year> After doing all of this a new account was opened with the banker leaving the unknown criminals information in my profile to access my new account! hadn't I caught the fraudulent profile it possibly could have happened again. it is now XX/XX/year> and I have visited the bank numerous occasions to get updates. I was told they they " escalated the request for answers to the fraud department '' and were no help. I finally received a call on XX/XX/year> stating that the receiving banks were not required to respond to their request to return the funds in good faith and that truist could not demand to receive. This entire time I was waiting on the " fraud department '' at Truist to investigate for me, their customer. Instead after a month and a half I was basically told that they have nothing to investigate without them responding and in order to get answers I would have to go the legal route. I was also told that they " had concluded their investigation '' I would not receive any money back if it was not recovered in an autogenerated letter dated XX/XX/year>. the very day I disputed the transactions in the branch. how was anything investigated the same day?