23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XX/XX/XXXX {$710.00} Closed Overview You're currently using 75 % of your account 's limit. 

Balance {$710.00} Credit limit $ 950 Monthly payment {$36.00} Opened XX/XX/XXXX ( 4 yrs, 3 mos ) Payment History Youve made 92 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$200.00} Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Times 30/60/90 days late XXXX Closed XX/XX/XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Product: Mortgage

On XX/XX/2021 I submitted an application to Refinance an existing mortgage that was under my fiancs name, ( he passed a away so I needed to assume the loan ). Every single contact I received from them requesting Documents or information was answered in a timely manner with accurate and requested information. I received a conditional approval at 2.5 % on XX/XX/XXXX. I contacted my processor and various times to make sure I understood what was needed. I submitted all requested documents. My mortgage payments for XXXX and XXXX were on auto draft thru the same bank. On XX/XX/2021 I called my processor because I had not heard from anyone. I was then informed that my loan was canceled at my request on XX/XX/2021. I never received a call from Navy Federal, I have no record of any call in my phone records or emails. They stated that I requested the loan cancelation due to not being able to make the monthly payment for XXXX. My Loan payment was set on auto draft from the same institution. The payment cleared the same day as every month. I signed a form with date of auto draft request ( Page 3 of the Initial Loan Packet, Easy Pay Authorization. They proceeded to tell me that I would have to re apply for the loan and my 2.5 % would not be held. This is a complete violation of my security with Navy Federal. I never spoke with anyone regarding cancelation of the mortgage refinance, my cellphone should be the only contact number they have on file. There are no missed calls or accepted calls from Navy Federal on XX/XX/2021. I do not know who they spoke with and what verification process they had to move forward with that request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) 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 than 7 years. 15 USC 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 the information is inaccurate. The following accounts are being disputed : 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

I lost my job last XXXX so I was unable to make payments on my Discover card. Several months later I was working a temporary job and Discover contacted me. I made several {$120.00} a month payments so my account would not go to collections. I was told after my 3 months of payments that I would go back to a once a month minimum payment. They told me that I would need to set it up on my own online. I asked are you sure you just ca n't take it out now and they said no we can not do that you have to go online and set it up yourself. Well on the XXXX month like clockwork I notice of withdrawal from my checking account of {$75.00} that I did not authorize through Discover. I quickly called Discover and explain to them that they should have not happen at this is their fault and they told me otherwise. They told me that it does come out of your account without you setting it up automatically which was the opposite of what I was told. I explained to her that I just wrote a check for rent which is all the money I have in my bank account and now that 's going to overdraft. She felt very bad and called my bank and told them if they could stop it but they could not as I could not bounce my rent check or I would be charged {$300.00} in late fees by my landlord. I was also told that of my account with overdraft that they would take care of it. What they did was they added {$55.00} to my Discover account but because I 'm overdue my limit I ca n't do anything with that money because I 'm overdue on my card. Every time I call them to ask for help they can not help me they say that they added money to my account which I need this money to get to and from work for gas and they do n't seem to care. I honestly do n't know what to do because every time I call they act like I 'm a criminal. All I tried to do was a good person and pay back my credit and I feel like I just got XXXX over. {$75.00} is a lot of money coming for me just described above months to get by to get caught up and they came and put {$34.00} back in my bank account for a mistake that they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX.
Product: Mortgage

In complaint # XXXX, which was closed on XX/XX/2018, Shellpoint Mortgage Servicing indicated that my issue had been resolved. The payment of {$2800.00} that was paid from my escrow to XXXX XXXX XXXX was never returned for insufficient funds, as previously stated in my complaint. After 'resolving ' the issue, I had received a rescission of cancellation, though, and, as such, thought this matter had been resolved. 
Today ( XX/XX/2018 ), I received a cancellation for nonpayment in the amount of {$2800.00} issued from my escrow by Shellpoint Mortgage Servicing to XXXX XXXX. I immediately called XXXX XXXX and spoke to XXXX XXXX in customer service who advised me that the check received on my behalf was returned due to insufficient funds. 
I have a new cancellation date effective XX/XX/2018 if payment is not received in the amount of {$2800.00}. I was advised by XXXX that they do not want no check from Shellpoint at this time only a cashier check.

Again, it has been my experience that Shellpoint Mortgage collects money and misappropriates the funds that have been paid.
Product: Credit card or prepaid card

USAA requires ( 2 ) TWO set ups for access on line. One is website usaa.com One is moble app from XXXX XXXX Both need UserID, temp password then peranet password set ups my XXXX unable to perform these numerous XXXX XXXX. Both are required for documents. MAILBOX IN APP FOR ALL CONTACT AND DOCUMENTS requires up down in out XXXX XXXX. Both set ups site and mobile app must work simotaniaeiously. ( I AM UNABLE TO GAIN ACCESS INDEPENDANTLY. TO ENTER PRIVATE SECURE INFO. PRIVATELY ) XXXX 4 EMAILS SENT TO NO AVAIL. NO ACCESSIBILITY ASSISTANCE PROVIDED UPON REQUEST. USAA IS NOT XXXX ACCESSIBLE.
Product: Debt collection

Affirm is unwilling to cancel a loan for a product that was never received. The merchant used predatory lending tactics against me a Senior Citizen. They are threatening my credit and Im concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my credit report was accessed by XXXX XXXX XXXX. I did not give them written notice or authorization to pull my credit report. They assert they did not request the credit report. But, Trans Union does show they pulled my credit report. The result was that my credit score dropped XXXX points. Then, the same company, XXXX XXXX XXXX, experienced a financial loss and was unable to pay their employees and their independent contractors for 6 months. I am one of the former independent contractors who was not paid until XXXX of XXXX. My credit scorXXXX dropped another XXXX points because I could not pay my creditors. I am working on getting my creditors paid to be current, but this illegal pull of my credit report is still having affects on my credit. Trans Union refuses to investigate why my report was pulled without my authorization, and they will not give me the name or names of the people who pulled my credit report from XXXX XXXX XXXX I want to pursue the person or people legally that did this illegal act. 

One credit card company pulled my credit line in XXXX of XXXX, saying I was a credit risk. They reduced my line of credit from {$5000.00} to {$1800.00}. This affected my debt ratio because it increased my utilization from XXXX % to XXXX %. 

Then, XXXX XXXX  XXXX did not pay me for four months. I used my savings to pay my bills until I ran out of savings in XXXX of XXXX. Then, I did not pay any creditors. I contacted all of my creditors. A few agreed to work with me. But, most did not because on my credit report, it showed I was a risk due to a sudden change in employers. This implied I was fired. 

I WAS NOT FIRED. XXXX XXXX XXXX, here in XXXX XXXX, did an expose on XXXX XXXX   XXXX. They are currently under investigation by state and federal agencies for their embezzlement of state funds, their outright lies about state claims being denied, and their involvement in questionable loan companies.
Product: Debt collection

I owed glass capitol mountain XXXX dollars. I called and agreed to settle the account and consider it paid and closed for XXXX dollars. I had them send an email saying so. I'm trying to fix my credit and waited for the credit bureaus to get the paid off debt and it said after 2 months that I still owed the rest of the XXXX dollars after I already settled for XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 GFS II LLC  XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016
Product: Credit reporting or other personal consumer reports

XXXX Someone tried to open a credit XXXX without my permission XXXX Someone tried to open a credit XXXX without my permission XXXX XXXX XXXX Someone tried to open about XXXX loans without my permission Ally financial Someone tried to open about XXXX loans without my permission XXXX XXXX XXXX Someone tried to open about XXXX loans without my permission XXXX XXXX Someone tried to open about XXXX loans without my permission XXXXXXXX XXXX I have more then XXXX inquiry from them XXXX XXXX XXXX Someone tried to open about XXXX loans without my permission XXXX denied me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get one and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXX XXXX  lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX  XXXX auto finance which is also my bank did the same thing mislead information to me
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I paid off the promotional balance of my Care Credit card ( Synchrony Bank ) prior to the date when I would have to pay interest ( 1 year ) ( promotional balance was approx {$4500.00} ) and then they closed my account once I had a {$0.00} balance, citing my credit score, even though my credit had gone significantly UP since I opened my account with them. I feel they did this because they did not make interest off of me because I paid off the balance in less than a year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Equifax Information Services for Failing to Update or Correct Inaccurate Information Dear CFPB Representative, I am writing to file a formal complaint against Equifax Information Services for failing to update and correct inaccurate information on my credit report, despite my repeated attempts to resolve the matter and my compliance with the requirements of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681. 
Issue Summary : On XX/XX/year> ], I identified inaccuracies in my credit report as provided by Equifax. The inaccuracies pertain to XXXX credit card, the specific issue, including inaccurate balance, Utilization reported incorrectly, etc. ]. I promptly submitted disputes to Equifax and included supporting documentation to substantiate my claims, such as [ e.g., payment records, card statements Despite this, Equifax has failed to : Conduct a reasonable investigation into my dispute as required under 15 U.S.C. 1681i. 
Update my credit report to reflect the accurate information. 
Details of Violation : Equifax 's continued failure to update my credit report violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is obligated to investigate disputed information within 30 days and correct any inaccurate information. Despite this legal timeframe, my credit report remains incorrect, even though I have provided ample supporting documentation. 
Impact on Me : This inaccuracy has negatively affected my creditworthiness, potentially hindering my ability to access credit or obtain favorable interest rates. Moreover, the undue stress and inconvenience of repeatedly disputing the same issue are unacceptable. 
Resolution Requested : I request that Equifax : Immediately correct or modify inaccurate information on my credit report. 
Provide written confirmation that the inaccuracies have been resolved. compliance with the FCRA to prevent similar issues in the future. 
I kindly ask the CFPB to investigate this matter and take appropriate action to hold Equifax accountable for failing to fulfill its legal obligations. Enclosed with this letter are copies of the following supporting documents : My credit report highlighting the inaccuracies Supporting evidence Credit Card Statement and a screenshot of my credit card showing a {$0.00} Balance with a {$200.00} credit balance I appreciate your attention to this matter and look forward to a timely resolution. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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: Debt collection

Portfolio recovery purchased this debt. They are reporting incorrect amount due {$2400.00} on my credit report but reporting to XXXX {$1700.00}. They 've stated they will only refer me to the original credit for verification
Product: Credit reporting, credit repair services, or other personal consumer reports

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over XXXX days with no compliance to the Fair Credit Reporting Act XXXX FCRA XXXX XXXX. XXXX ) enacted by the United States XXXX. By their findings, it is now my legal right to have these accounts and inquiries XXXX FCRA XXXX XXXX. XXXX ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Product: Checking or savings account

I enrolled the " Move money promotion '' from Ally bank back in XXXX last year. " Move money into eligible saving account and get 1 % bonus ''. I move {$50000.00} into my saving and satisifed all the condition by keeping the money in the account. Base on the term, I should get the bonus by XX/XX/23. I still hasn't get my bonus yet. Call them few times but still hasn't received my bonus.
Product: Credit reporting

Equifax has verified twice a judgement on my credit that is not mine. Equifax is the only credit reporting agency that claims to find it and verify it. I have challenged the item twice and asked for their source and proof by validation and they will not respond in kind. I called XXXX County Court house and they have no record of this judgement and they confirmed that they do NOT verify or report to ANY credit reporting agencies. This is keeping me from getting my home loan and causing financial distress. This violates my credit reporting rights. Please investigate and force this to be removed immediately! I have faith they will listen to you.
Product: Checking or savings account

I was notified that i was enrolled in Online Banking at Bank of America on XXXX XXXX XXXX. I did not initiate this action nor do I wish to use Bank of America 's services. I was previously notified on XXXX XXXX XXXX that someone attempted to open a credit card using my information for a card issued by Bank of America. There is no information published on how to contact Bank of America to dispute fraudlent activity, almost all public communication methods require you to have an active Bank of America account, ( all automated telephone XXXX  will disconnect if you do not provide an account number ). I even resorted to contacting the Law enforcment department to to speak with someone.
Product: Checking or savings account

I opened this account a few days ago and today i added this account through my employers payroll site XXXX  and linking mynvirtual card to XXXX  And just about half hour agoi received a few emails first stating my cards were restricted, then and email stating the closure of my account for suspicious activity. No specific reason was given. I attached and circled the reasoning why accountnwas closed.
Product: Credit reporting

Experian XXXX is reporting collections and wrongful information on my credit report. 
I was employed at XXXX California from XXXX XXXX till XXXX XXXX. 
I retired from XXXX on XXXX XXXX, on XXXX XXXX XXXX. 
I was not Retired or employed by XXXX XXXX XXXX XXXX of XXXX XXXX in XXXX. 
I was only a volunteer XXXX of Directors. 
Also why Experian.XXXX allowing creditors or companies running my credit without my consent. 
I have over XXXX unauthorize credit inquiries on my Experian.XXXX that are Hard pulls and is destroying my credit scores. 
I have credit scores with Experian.XXXX in the XXXX.l can not obtain any credit to help my daughters education for college tuitions because ExperianXXXX Credit Report and negatives collections and inquiries. 
I have disputed various occasions and Experian XXXX plays hardball. 
I am been Retaliated and Discriminated as a XXXX Veteran. 
I also requested for Experian XXXX to immediately remove and delete the Fraud alerts on my credit reports and they have not deleted as of XXXX XXXX.
Product: Mortgage

On XX/XX/2022 I completed a mortgage loan application with Navy Federal Credit Union. On XX/XX/2022 I received a credit denial notice in the mail listing excessive obligations in relation to income, delinquent past or present credit obligations and collection action or judgment listed as the reasons for denial. Pursuant to 15 USC 1681a ( k ) ( 1 ) ( B ) ( iv ) ( II ) this adverse action is a violation of my consumer rights. 15 USC 1602 ( f ) states that credit is the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payment.. Credit is my BIRTH RIGHT and IT CAN NOT BE DENIED!. Pursuant to 15 USC 1602 ( l ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I presented my credit card for this transaction, NFCU accepted and charged my credit card, but denied me the benefits received. Though my credit card was taken and charged at the start of this transaction, Navy Federal Credit Union violated my rights as stated above and discriminated against me pursuant to 15 U.S.C. 1691 ( a ) ( 3 ). Navy Federal Credit Union has also criminally used my credit card and charged an unauthorized charge for their own benefit 15 U.S.C. 1602 ( p ).
Product: Checking or savings account

I bank with Capital One and my payroll funds are electronically posted to my account. I get paid today but normally on XXXX since Capital One can make funds available up to XXXX days in advance. I've called several times to find out when I can access my funds and they give a half hearted apology, provided an ETA of today at XXXX XXXX. ( which did not happen ), says they are working on it, etc. Nothing. We are facing a XXXX day weekend and I can not afford to not have my money. Can you all help. This is not fair. I have to wait XXXX weeks to be paid and not I have no idea when I will receive my money.