23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or around XX/XX/2023 i went to my XXXX XXXX XXXX XXXX  in XXXX XXXX  that ive been banking with for several years to deposit money. I had recently opened a new account with navy federal and due to there being no branches near me I had to resort to using a bank that was co-oped with them. which after discussing this matter with the bank teller i was informed that the only way to make this deposit would be through the atm using my navy federal debit card. I drove back around in a attempt to make a deposit at the atm. I was allowed to insert my navy federal debit card, pin, transaction type and was prompted to insert the money id like to deposit. After inserting the money a total of {$5000.00} i was told that the transaction could not be completed and that my items would be returned, i recevied what i had believed to be the full {$5000.00} then the screen asked if id like to make another transaction or return my card as i clicked return my card the remainder of the money came out and was quickly sucked back in i quickly counted the cash I had recevied back and noticed that i was missing an entire {$2000.00} i tried to use the atm again in attempts of it returning my money, i tried backing up to speak to someone which of course they could not hear me so i drove around to speak to someone and was told id need to come in to make a dispute. After going into the bank and explaning what happened the banker opened a dispute for me as well as made a copy of the receipt i had recevied from the atm. I was told i should hear back within 24 hours the next day comes and goes adn ive heared nothing from them. I call to see whats going on as i am out of {$2000.00} that I NEEDED, i was told that there was nothing that they could do and that id have to file a dispute directly with navy federal. That is just what I did i told navy federal exactly what happened and a dispute was opened as well as a {$2000.00} credit was given to me. After about a month i get a email notifying me that i have a message from navy federal. The message states that they checked the atm and that there went and extra funds int the atm so they simply took the {$2000.00} credit from mya count putting my account in a negative and causing me overall to go in debit due to the large amount of funds that was completely gone. ive sent emails ive called and overall they basically told me that they did two investigations and that i needed to contact a lawyer. which i was very far from a place to be able to obtain a lawyer i couldnt even afford to SPEAK TO ONE after dozens of calls i was finally told that retaining a lawyer for this situation would probably cost more than i lost in the first place which was very depressing and discourging being told by everyone that my money is gone and there is nothing that i can do about it. recently After speaking with a friend they told me i could come and file a complaint and theres a possibilty that you guys could help me.
Product: Credit card or prepaid card

For the last XXXX XXXX  comenity has had serious system issues and issues trying to make payments. Which they are aware of. I finally get my accounts fixed by a specialized team and within XXXX XXXX it got all screwed up again. They fixed some of the issues but not all. 
Today my XXXX XXXX updated and it said some of my accounts were closed and charged off and sold to a debt collection agency. 
I was told all these issues would be fixed and I would not longer have any negative impacts on my XXXX 
This has been absolutely horrendous and XXXX has completely destroyed my XXXX for an issue they are having. I want this fixed. 
I was told I could create new accounts when my cards came in and they are still not here. How can I create new accounts if you guys close the cards on me and sell them off?? Im also XXXX XXXX so calling doesnt work for me but XXXX XXXX has been noting just like so many customers have youre either on hold forever and get hung up on or you never get through. This has been absolutely shameful.
Product: Credit card or prepaid card

I have the prepaid card bluebird by American Express, I asked them to close the account and they refuse to do so because there is a XXXX XXXX Ballance on the card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and inconsistent information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Upon reviewing my reports from Experian and TransUnion, I noticed that the account XXXX XXXX  Account Number XXXX is being reported differently across the two bureaus. This discrepancy is damaging to my credit a

nd must be deleted immediately. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit bureaus are required to maintain maximum possible accuracy of the data they report. These discrepancies violate that requirement and must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized credit inquiry that appears on my credit report. I recently reviewed my credit report and noticed an inquiry from XXXX XXXXT XXXX, XXXX XXXX dated XX/XX/year>. This inquiry is not associated with any product or service that I have applied for, and I believe it is an unauthorized inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit report may only be accessed with my permission or if I am applying for credit or other services. I did not authorize XXXX XXXX XXXX, XXXX XXXX to access my credit report on this date or at any time in the past. 

I request that the CFPB assist me in resolving this matter by investigating this unauthorized inquiry and ensuring that it is removed from my credit report. I also request confirmation of the action taken to address this dispute.
Product: Credit card

The account is closed. 
According to FCRA section 605B it is illegal to report information my credit report with out my permission. Thank you, please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry request from citibank, XXXX on XX/XX/2021. I do not have any knowledge of this credit inquiry and would like it removed from my credit bureaus. It is severely damaging my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report tnat are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I have contacted the FTC and my police dept. I'm doing this on my own behalf. 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. Inquires : 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 card or prepaid card

by end of XXXX 2017, I found all my 3 credit card with XXXX balance at Bank of America has been closed without notice, while there is a reward card has XXXX $ worth award left unused, I tried to contact the bank and ask for reopen, they wont be able to give a reason why closed at first place. so I am asking CFPB for further help, I paid the annual fee but be closed less than one year, so I believe the bank should offer compensation or refunded for the annual fee
Product: Checking or savings account

XX/XX/2022 ( lawsuit filed ) {$750.00} ( XXXX XXXX ) I filed a wrongful termination lawsuit. 
My accounts were closed for no reason and without warning. 
I was told that my accounts would go from an employee account to a regular account via email but my accounts were closed and not transferred. 

XXXX XXXX I had 2 credit cards and a checking and savings account with this company. I filed lawsuits against XXXX XXXX because they attempted to charge my credit card for fees. There were charges for rental cars that were not picked up even though they were cancelled. 
XXXX  apparently the XXXX district court ( XXXX, MI ) mishandled that lawsuit or lost the paperwork. I was told XX/XX/2022 that I can no longer have any accounts with XXXX XXXX.
Product: Mortgage

I 'm filing a complaint regarding a TILA REQUEST and OTHER REGULATION REQUEST UNDER Regulation Z I sent by certified mail and fax.ies My letter stated particular questions that they are required to respond As of today, I have not received a response. The only papers I received were regarding pre-foreclosure actions. Also while my mortgage was being paid through HOMESAFE of Georgia ( Federal government program to pay 24 months of payments for homeowners who are underemployed ) While accepting federal funds, Ocwen never mention that my loan should be reviewed for a principal reduction based upon the CFPB Consent Order. In particular my loan was effected because Litton Loan Servicing LP. Serviced my loan.. Since Ocwen is acting debt collector, and they have all my financial information from receiving government funds for 24 months of payments, I need tp obtain the TILA and regulation Z for a settlement of the loan. 
I 'm attaching the Consent Order, and the Certified Letter sent to Ocwen
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX and XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have not initiated any transaction with AMERICAN CREDIT ACCEPTANCE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with AMERICAN CREDIT ACCEPTANCE for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Best regards, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX cc : CFPB
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a message from my sister asking if I could loan her some money. I was unaware that my sister 's account was hacked and this was actually a scammer. After the transaction went through I then realized that it was not actually my sister. I am a caregiver for my mom which keeps me busy, so I wasn't thinking real clear on this. I thought my sister was asking for help and I try and help when I can. As it turned out the payment went through PayPal, I put a stop payment on it as soon as I could but it had already gone through. I called my bank and left them know what was going on, I was told to take my banking account off of PayPal because each month they automatically withdrawal my statement amount from our checking acct. I did that and I also put a dispute in to PayPal but it came back as : Case status : Closed Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. 

I was then told to contact the fake acct person and ask for my money back, which I did but of course they are not responding back to me. 

Here is some info on this : You sent XXXX XXXX  to XXXX XXXX Transaction ID XXXX Transaction date XX/XX/2023 SENDER XXXX  XXXX RECIPIENT XXXX XXXX XXXX Money sent XXXX EUR = {$200.00} USD Fee {$4.00} USD Paid with : XXXX XXXX  {$210.00} USD I sent her/him a message : XX/XX/2023, XXXX XXXX  I want my money returned, I put a dispute and stop payment into PayPal. If the transaction already went through to you and you won't refund me then I can take legal actions. I know you hacked my sister 's acct to do this, I have all the messages to prove it. 

XX/XX/2023, XXXX XXXX  I haven't heard anything from you regarding this hacking scam transaction. You have not refunded my money, I am putting another dispute into PayPal and I am also contacting the police. 

I don't know what else I can do, I have tried to put another dispute into PayPal but it just keeps coming up with the closed status. 

I would appreciate any help you can give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my wife and i filed chapter XXXX. We kept making our car payments and mortgage payments. We completed the chapter XXXX XX/XX/XXXX and we called Suntrust mortgage to ask them why our account showed {$0.00} balance, payments were not reporting since XX/XX/XXXX. I opened up a dispute XX/XX/XXXX and received a response today. They are not going to report to any bureau my never missed, never last payments to Suntrust. 
I called them today and they said it was a law that they can not do it. I am appealing you to allow Suntrust to report my 5 years of making payments and putting the correct account balance on all 3 bureaus.
Product: Debt collection

On XX/XX/XXXX I signed up for a gym membership with XXXX XXXX ran by ABC Fitness Solutions , LLC. Their website is www.myiclubonline.com. On XX/XX/XXXX I sent out the following message via certified mail : XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX Everyone Fitness XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DE XXXX Dear ABC Fitness Solutions XXXX : This letter serves as formal notice of my intent to cancel my gym membership contract number XXXX, dated XX/XX/XXXX. 
I have moved away from XXXX to XXXX and wish to cancel my automatic renewal. 
I expect to receive written confirmation of my cancellation within 30 days. If you have any questions, please contact me at XXXX. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX On XX/XX/XXXX I received an email from customer care stating the following : We have received your request to cancel. Before your account can be cancelled, you are responsible for a 30 day written request ( this has been fulfilled via your mail ) I then called that same day, XX/XX/XXXX, and confirmed with a club employee that my membership was canceled and I did not have to do anything further. 

I was then told on XX/XX/XXXX via email and mail that my alleged debt was sold to XXXX XXXX XXXX and that I owed {$110.00} of past due payments which is incorrect. I was fraudulently charged and this false debt has now been added to my credit report. If this matter is not resolved I will escalate this to small claims court.
Product: Debt collection

On XX/XX/2019, I have contacted Resurgent Capital about a debt from XXXX XXXX XXXX Account ending in XXXX. I have spoken to a representative in regards to the account. Previously, there was a dispute on the account, since all of the credit reports says LVNV funding, not Resurgent. The account has been through several companies, such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have contacted Resurgent Capital. I have previously requested information in regards to the account, and to obtain a letter, prior to payment that the account will be satisfied and paid. Previously, I have asked for validation, such as a signed agreement and contract with them, but I have never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}
Product: Mortgage

2019 has been a challenging year for me with a chapter XXXX, along with a loss in employment. XX/XX/2019 I had finalized a chapter XXXX resolving my debt, although it did not help when trying to get help from Ditech. I was behind on my mortgage informing Ditech of my situation the request to suspend my payments did not get approved along with requesting a home modification. I was delayed twice with the application by Ditech, stating i did not provide sufficient information, which is inaccurate. One blank page of my bank statement was not included, therefore flagging my application to be incomplete. Why is this important, bc it delayed my modification process. Well, based on what they have claimed, ditech would not allow for a modification due to one being implemented within a 1 year period. This makes no sense to me. They made me wait two months to tell me they would not grant a modification bc I had a modification within 12 months? This is inaccurate. It was over 12 month since my last modification and what does a 12 month timeline have to do with a request for modification? I believe this shows that I am willing to find a solution to solve my financial difficulty, in good faith that I want to stay in my home and pay my mortgage. My account needs to be investigated bc they never forgave my mortgage, the suspend a percentage of my mortgage and increase the repayment time over 40 years, leaving me with a heft lending rate and a heft balance. In addition to they placed my house into foreclose XX/XX/2019 and since XX/XX/2019 i have found secured employment, allowing me to now afford a mortgage repayment and bring my account out of foreclosure. My account is still shown open, the payment in back payments is shown that I can make a {$14000.00} payment to bring my account current, yet Ditech is indicating that there are " anticipated fees '' that is my responsibly? Wait, i am in the position to make a payment but now you want me to incur fees that i have not incurred? Do they want me to become current and stay in my home or are they trying to penalize me for falling behind and falling into financial hardship? This is a horrible feeling and as I try to resolve a financial deficiency, why am i being penalized for this and not allowed to make a payment directly to the bank? 

in addition to, how does Ditechs financial bankruptcy play into my mortgage?
Product: Credit card or prepaid card

Today XX/XX/2023 tried to pay online and does not recognize PC. Called Customer support again as this happened first time as well. It asks for personal questions which we never entered. Nothing works and will not recognize or allow processing payment. I noticed all financial instruments with Valley XXXX Bank whether credit card or Heloc payments. They should not be allowed to sell instruments like this as credit card is through Elan. I even tried using app on phone same thing will not allow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount National Credit System 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

I have inquiries on my credit report that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX XXXX  account number XXXX and the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Mortgage

Home equity loan with Wells Fargo was paid for agreed amount and 2015 XXXX was issued. Wells Fargo continue to report full amount of Home Equity as outstanding and did not report the settlement and payment on this old debt.
Product: Credit reporting or other personal consumer reports

I had just purchased a vehicle and I was pressured into the purchase from the beginning. It was the first time I had been to a dealership, alone to purchase a vehicle and I ended up with a terrible loan. I was unaware and ultimately attempted to return the vehicle but it was too late. Anyhow, I made payments and, even when I was unable to make payments in full. I made multiple small payments. I was never informed that my vehicle would be repossessed. In fact, my payment history is inaccurate on all three reports. I wa forced to file XXXX XXXX as a result. My vehicle was repossessed literally days after BMW FINANCIAL processed an {$800.00} payment, yet they held it and pretended as though it didnt exist. By this time I thought the car was stolen, called XXXX then realized what had happened and I couldnt get the vehicle or my belongings back because of the cost. I contacted BMW financial and said I had not been as far behind, that my payments were inaccurate and that they were holding an {$800.00} payment, not applying it to my account even though it had cleared. Ultimately, I was sent the money back over a month later. They refused to work with me. I have provided proof of this payment via refund, which never reflected on my payment history. I insisted it be applied to my balanced owed, but then they would be admitting to have wrongfully towing my vehicle without notice and while taking payments and not reporting accurately to the credit reporting agencies. All three bureaus have different information, and I have requested it be accurate many times. It is reflecting as though I was much further behind than I was and if they wanted me to make good on the loan, would they not take any amount of money they had already processed? Instead, they wrote it off with insurance and it was sold off at auction. I had incredibly expensive bourbon in the trunk of my car- I was a manager at XXXX and had over {$1500.00} iXXXX XXXX XXXX alone. The repo company said there was nothing in the car. Not even my clothes or personal belongings.