23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I open a joint account lease for motorcycle about XX/XX/XXXX. About XX/XX/XXXX, I voluntary surrendered the vehicle associate with this account. On XX/XX/XXXX, XXXX sent me to collections with Credit Solutions Corporation for the remaining balance. About XX/XX/XXXX, I settled the collections. Then 3 years later about XX/XX/XXXX, XXXX reported the first 30 day late payment for the account that I settled with Credit Solutions Corporation and was paid and satisfied in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received an email from XXXX to tell me that I have a negative impact on my credit report upon checking my report I found that XXXX XXXX reporting that Im late more than one month for my monthly payment. 
Accordingly I called XXXX XXXX  and they informed me that it was a mistake from the administration team and it shouldnt been reported and they will try to fix it with the credit report. 
I complain today because this such mistake caused me lost XXXX points from my score and my goal to achieve above 700 credit score was destroyed for such mistake and now I will never be able to being approved to get a conventional mortgage in order to be able to buy any apartment in New Jersey especially I got denied for over than 20 times to buy because my current mortgage is FHA loan which is declined by most sellers in NEW JERSEY. 
Please note that the credit bureaus are taking so long time when they add a positive impact on credit profile and they are very fast for negative ones. 
I have been fighting hard in the last year to buy a place to live with my family and I cant because the FHA loan that is being declined by most sellers either individual sellers or companies.
Product: Mortgage

Mr. Cooper is my mortgage servicer. They offered for me to apply for a loan modification to see if a qualified for help because I am past due on my mortgage. They only asked that I provide one month of paystubs. I provided them paystubs for my first job which is biweekly and then 3 of 4 paystubs for a new job I had started with explanation as requested by them as to why I could only provide 3 with an anticipated 4th. Once I got the 4th, I sent it. They then asked me to provide proof that I get paid all year and I am not a teacher as I work for a XXXX  full time. I sent them this explanation as well. I was then asked to provide more paystubs. I provided more paystubs. The company then tried to tell me that I was receiving income from someone else named " XXXX XXXX '' or " XXXX XXXX '' and I needed to provide evidence of this. I spoke to someone on the phone about this and it was news to me as I do not know whom this person is. I advised the agent on the phone I am the only person aside from my children living in my home, and I do not receive any other income. I also informed the agent I do not know who that person is. We looked over all documentation I sent in. This name was no where to be found. I was advised to send explanation of this, that I do not know this person and that I am solely providing income in my home, no one else. I did this. Then I was told to provide more pay stubs. I did this as well. I was then advised AGAIN to provide MORE paystubs. I gave them every paystub I had for each job. I had no more paystubs to give and still they wanted more. They were requesting paystubs with dates that I didn't even get paid on. At this point I was waiting to get paid to provide more paystubs to them. I have provided almost 20 paystubs to them at this point. Today I returned a call to an agent who was reaching out with an update. She informed me that when I applied for the loan modification, I provided them I believe she said roughly {$4400.00} gross income monthly. They calculated that I am bringing in {$12000.00}! {$12000.00} gross income. I asked where they are getting this from. I would love to know who is calculating this and I would love to calculate for them if need be because I work two jobs and I am not bringing in {$12000.00} gross monthly. The agent deeply apologized and said she would reach back out to underwriting for clarification. I have been very patient with this company and this loan modification process, but there is something wrong here and they are dragging me through the mud. If I was bringing home {$12000.00} gross, I'd be able to pay my mortgage. They are making up information regarding my income and I need help right now and they are not providing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call Experian to remove negativity from my credit report and can not get a live person on the phone so I have written Experian on more than one occasion to ask them to remove the UNTRUE REMARKS by XXXX XXXX XXXX from my credit report because I DID NOT AUTHORIZE THE CHARGES to my XXXX XXXX XXXX account and it is still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am included in the Equifax hack. I went to the website and they said my information was compromised. I have put fraud alert locks on my accounts but I am disturbed by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am in a deep hole due to fraudulent activity and i have done almost everything i possibly could to correct this misinformation on my report. theres an XXXX  card saying i owe over {$12000.00} which is not true and a few other wrongly placed items. please look into these and block the accounts
Product: Checking or savings account

I bank at Comerica in XXXX, TX. I have a Home Equity Line of Credit along with a linked checking account.

I made a payment to my loan from my checking account on XX/XX/XXXX in the amount of {$150.00}. On XX/XX/XXXX an autopay posted to my loan in the amount of {$100.00} overdrawing my checking account. I was not aware that this autopay was still in place, as it was left over from a loan I had paid off in XX/XX/XXXX. I was then charged a {$26.00} overdraft fee on XX/XX/XXXX and less than a week later, charged a {$6.00} overdraft fee.

I called Customer Service on XX/XX/XXXX and asked XXXX to cancel the autopay and credit the overdraft charges, as it was the autopay that overdrew my account. Apparently, it is not easy to cancel an autopay at Comerica. He gave me a provisional credit and put a form, called an ACH Written Statement of Unauthorized Debit, in the mail for me to sign.

When the form didn't arrive after a week, I called Comerica yet again, on XX/XX/XXXX. This time the banker, XXXX, was able to cancel the autopay. When looking at my account a couple of days later, I saw that I had been charged a {$34.00} fee for the autopay cancellation.

I called Customer Service, again, on XX/XX/XXXX and after confirming with XXXX, the first banker who answered, that Comerica charges a {$34.00} fee for autopay cancellation, I asked to speak to a supervisor. XXXX came on the phone and confirmed again that there is a {$34.00} fee that she could not credit. After much discussion back and forth, she asked if I would like for her to give me a one-time courtesy credit.

Is it even legal for a bank to be able to help themselves to one 's money like this. Nowhere did I get a notice that there would be {$34.00} cancellation fee, either verbally, written or online. Neither was there a notice in the ACH Written Statement of Unauthorized Debit form, which I eventually received.

Each time I called Customer Service, I waited a minimum of 45 minutes on hold for someone to answer. And after a banker answered, each conversation was a minimum of 30 minutes. Why should my precious time be wasted on trifling jobs that could be solved in 5 minutes. Comerica created the problem and then charge me for it.

I find it very troublesome to have had to call Comerica Customer Service so many times. It is an unprecedented lack of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccuracies on my credit report that Source receivables is sending to XXXX and XXXX. One example is that they are reporting Date Last Active as XX/XX/2022 I have never been active on this account. They are violating the FCRA laws. Also, I need validation of debt. I have never signed a contract with this company or owed this company one cent. I would like for you to investigate this matter. I need some legal documentation with my signature stating I owe them and the exact amount. I am going to file a complaint with the state attorneys office if they don't remove it by next week. Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

As far back as XX/XX/2020, USAA Federal Savings bank has been sending out notices about upgrading their security procedures on their website usaa.com. what they failed to mention is that they experienced a major data breach and have yet to acknowledge the incident. Countless USAA members have taken to complaining on online forums about USAA 's cavalier attitude about this breach. Many, like myself, have experienced surprise and unauthorized charges on my USAA Visa card and unauthorized running of my credit report for an unauthorized consumer loan without my consent. Subsequently, after getting the run-a-round from the representatives on the phone, I closed my credit card account due to their inability to properly secure their website API ( application programmable interface ) from the very beginning. Every time I called and asked how these unauthorized charges occurred, the representative would simply state that my credit card was probably skimmed at a reader. When I inquired further, another rep. would say that the unauthorized charge was used via a mobile app. 
USAA 's explanation for these unauthorized charges did not make any sense. I could accept this useless excuse if it was just me but how could over 50 other USAA members suffer the same breaches on their accounts. Does that make sense? 
Like many older Americans, I don't use any apps and probably never will. USAA knows that I don't use their new app so how could they allow my credit card to be used through a mobile app that is not mine. As recent as XX/XX/2020 USAA shows attempted unauthorized charges on my CLOSED USAA Visa credit card. Again they refuse to acknowledge a breach in their credit database. This is unfair to the thousands of members which, rightfully so, are dwindling since the onset of this data breach. 
Another recent and troubling breach was an unauthorized running of my credit report by USAA for an unauthorized personal loan last week for which they issued a Credit Inquiry Removal Process letter. The letter is dated XX/XX/2020 and states that they have reported the error to the credit reporting agencies and can take up to 45 days to be updated on my consumer report. Is this fair? How long is USAA going to be allowed to continue this FRAUD. 
If I did not implement a credit freeze last year I would have been ruined like many other USAA members that were never notified of a data breach. 
It is public knowledge that the Consumer Financial Protection Bureau has fined USAA Federal Savings Bank millions of dollars recently for other credit related issues. Perhaps it is time to investigate USAA again and penalize them severely for irreparably damaging consumers credit history and ultimately their lives.
Product: Credit card or prepaid card

This account is not mine but is reflecting on my credit reports. 

XXXX Acct # : XXXX Opened : XX/XX/2020 Amount : {$5900.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Student loan

I signed up for Income Driven Repayment in XX/XX/XXXX. At the time I was told that my repayment term would be 122 months by XXXX  XXXX XXXX, my loan servicer. This information was confirmed online via my account. The repayment terms showed as 122 months when I viewed my loan details online. 

I submitted the recertification form on XX/XX/XXXX. When I logged into my account online I became alarmed when I saw that the repayment term was still listed at 122 months. 

I called into the customer service and spoke to XXXX ( employee ID number XXXX ). She explained that the information on my online account was incorrect and was incorrect for any person signed up for income based repayment. My repayment term is actually 300 months. I asked why their phone system directed me to view my account online for my loan details when they weren't correct. She did not have an answer. 

I am glad I caught this mistake because I was looking at paying over an extra {$92000.00} in interest if I stayed on this payment plan. The standard 10 payment plan payment is only {$8.00} more every month. 

I believe that the misinformation provided by XXXX XXXXXXXX XXXX is willful and on a wide scale. I believe that they should be accountable to provide accurate information about the repayment term to account holders in their online account since they encourage the use of the online account in order to obtain information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I applied for a new Mastercard Perks for BJs Wholesale that was to open in XXXX. A month later, XX/XX/XXXX I get a letter in the mail mind you that says I was denied because my XXXX   report is in FREEZE and I would have to remove it and wait 30 days to reapply. I understand the difference between at lock and a freeze. I have my credit reports LOCKED because of the data hack at one of the agencies a few years back. I waited the 30 days and then contacted the Comenity Bank and tried to explain that I can unlock it anytime and all you have to do is notify me by phone or text, which they have, and then after your done I will relock the next day. It was like talking to a brick wall. After speaking with 3 people and supervisory they still made me reapply even tho they had my initial application with my phone number on it. So, I missed using it at BJs grand opening at which their district manager gave me a gift card for the hassle ( so BJs know about this ). I got the card in early XXXX. I reached out to XXXX  by email and explained to them, who you would think would know better, that they told Comenity I was in a freeze but I was not. They did respond with a soft apology but I am not sure if they learned anything. I am asking you, CFPB to study this some and make rules that direct the credit agencies and the banks that issue credit cards etc. that they need to understand Lock and Freeze and if a persons reports a locked, that they MUST contact them by text or phone and ask for the report to be opened for their viewing. This problem is not the fault of we consumers and the banks and credit agencies need to do a better job at servicing we citizens.
Product: Money transfer, virtual currency, or money service

I attempted to send money domestically to a vendor for a series of items at an agreed upon price. I entered my payment information and received confirmation that my credit card was charged. The next day, I then received notification that my transaction was canceled because the bank was " unable to support '' my transaction. I was referred to a document on their website about supported purchases. My purchase did NOT fall under any of the unacceptable items and could easily be categorized in several explicitly acceptable categories. I then resubmitted the request with updated information, and again the transfer was cancelled with no explanation. I then attempted to contact the company using the links they provided. I tried the phone number listed on their website, but it was an unmonitored number and would not connect me with a representative. I then tried the " chat feature '' I was referred to, but this was automated and also didn't have any method to reach a human. I then emailed the account services team with my complaints/concerns, and I was reconnected with the same representative ( XXXX XXXX who canceled my transfers in the first place. I was rudely told I was no longer welcome to use their services, and I was not given an opportunity to explain my rationale or logic for the transaction. As a result of these transactions, this banking company has a significant portion of my funds being held for 5 business days.
Product: Checking or savings account

On XX/XX/XXXX Bank of America closed my checking account without notice. Since then i have no access to my funds. They said they mailed me a cashiers check with my funds on XX/XX/XXXX but i never received the mail and i think the mail is lost. Now they say i have to wait until XX/XX/XXXX which is the date that the check expires for them to reissue me another check.
Product: Credit reporting or other personal consumer reports

The accounXXXX XXXX XXXXXXXX XXXX is reporting inaccurate balance information and inaccurate last payment date on my credit files. Ive disputed this account with XXXX, XXXX, and Equifax, Im not satisfied with results. Please investigate the inaccurate information on this account. I attached screenshots of all three reports showing proof of inaccurate information. 

According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.
Product: Credit card or prepaid card

I used my credit card within my limit as I normally would. The account has been restricted and I wasnt told why other than something triggered a response in their department. Ive called numerous times and my account is still restricted over a week later. Im not given a time frame of when I can usee my account. After reading about this companys practices online in similar cases, it looks like many people are restricted from using their cards for over a month.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charge and credits. This issue align with the CFPB find things against Navy Federal for similar practices, we transaction settled with insufficient balances, despite initially available funds. I believe these transactions are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Credit reporting or other personal consumer reports

The following accounts were opened fraudulently using my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and XXXX XXXX XXXX XXXX XX/XX/XXXX. The following inquires were also made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported, those accounts, collections, or hard inquiries were not opened, made, or initiated by me. These accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission. In accordance with 15 USC 1681 c-2 c ( a ) and section 605B of the Fair Credit Reporting Act, it is imperative that you, as a credit protection agency , take immediate action to block and remove all information associated with this identity theft from my credit report. This statue mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. This is a list of things that don't belong to me or that weren't opened with my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$810.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than XXXX business days following the date of receipt.