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

ONEMAIN account # XXXX have 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Product: Credit card or prepaid card

Wells Fargo was helping me refinance my home. I wanted to take out some of the equity out of my home to pay off two credit cards, purchase a new roof and a new HVAC system for my house. 

This and lowering my interest rate was the reason for the refinance. The loan officer, XXXX XXXX and the underwriters knew my intention was just to pay off these two cards. 

I was told I had to close both of my credit cards in order to refinance my home by XXXX who said the underwriters were requiring that. 

I was concerned about closing both cards, having had one of my cards for 35 years and the other one for 8 years. I believed XXXX when I asked if it would effect my credit score and was told it would not. 

My interest rate went up rather than down. 

I am a widow and believed what I was told. My mistake was in believing them. Thinking that a bank as big as Wells Fargo would not lie to their customers. 

I had never been late on a payment on either card or missed a payment. Since I have learned my credit score took a huge hit when losing so much credit history. I have contacted the bank to make a formal compliant.
Product: Debt collection

: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( Honda Motor Credit/American Honda Finance XXXX XXXX The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.
Product: Payday loan, title loan, or personal loan

Cashnet USA claims a payday loan which is not mine, I sent it Id theft affidavit, they responded that XXXX my responsibility I filed additional complaints as requested proof of loan docs that they had 15 days to provide and did not, I asked them to remove again XXXX/XXXX/XXXX, and have not contacted me with status and left several voicemail response with no return update
Product: Debt collection

XXXX XXXX account was opened in my name back in XX/XX/2017 and was not opened by me. There is identity theft going on and XXXX XXXX needs to be removed from my credit report.
Product: Checking or savings account

On XX/XX/XXXX my husbands company gave him a check for us to get XXXX presents, my medication, and other things. I deposited the check on XX/XX/XXXX on the Wells Fargo app. It said {$400.00} would be available at that moment then the rest would deposit XX/XX/XXXX. That to me was fair. I woke up and the money wasnt there. They said it would be deposited in 7 business days which is really longer because of the weekend. Everything in our account was going to bills because I started paying bills immediately. I called spoke to managers who have in the past over rode the system so we could have funds available. We asked to reverse the check so we could go cash it at the bank that issued it. They would not let us. The manager was rude to me. Very rude. Several managers said they could help us but when calling that department they decided they didnt want to help us. They could but they didnt want to help us. They told me they use to be able to over ride these long holds but cant now. I asked why are yall moving backwards. Seems that over riding these in emergency situations especially when its a check from the same company that direct deposited in our account twice a month.
Product: Debt collection

Conserve is violating my FCRA rights, by reporting things on my credit dumping my score tremendously, i paid XXXX  XXXX XXXX because they state to me that they were not paid so i paid the school directly on XX/XX/2018 Vice President XXXX XXXX of XXXX XXXX XXXX call me and told me that he had some great news for me that he contacted Conserve and advised them to stop reporting on my credit and return all files that they had for me and apparently they wont comply because XXXX   advised me that they reported on my credit today after the Vice President of XXXX XXXX XXXX advised them to not report on my credit anymore and to send my file back to they office ..
Product: Checking or savings account

5/3 bank Told me my account is dormant, transferred to branch, where they said it would be taken out of dormant. They would not, said I needed to come into branch in a different state or write a notarized letter and they would look at it. They allow me to add funds and pay XXXX a month for over 5 years, now they wont take out of dormant, allow transfers or XXXX to remove my XXXX usd. That was today, stated manager would call me back, never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously had a commercial bank loan with XXXX XXXX XXXX  ( now defunct ) which was merged into First Horizons Bank. The loan was paid in full on XX/XX/XXXX. I have been unsuccessful in multiple attempts to get First Horizons Bank to remove their lien from my properties despite their assurance that I have fully satisfied the conditions of the loan. First Horizons Bank 's failure to file a " Cancel of Judgement '' has jeopardized real estate transactions in process. 

First Horizons Bank representatives have acknowledged that there is no outstanding balance due on this account and has promised on several occasions to file the " Cancellation of Judgement '' with the appropriate court. I faxed all requested information to First Horizon Bank twice ( XX/XX/XXXX and again on XX/XX/XXXX XXXX including a previous letter from XXXX XXXX XXXX  stating that the account was " paid in full. '' I was informed that all necessary information has been received and that the " Cancel of Judgement '' would be filed in XXXX County, NC court within three business days of the receipt of documents. This has not been done as of today.
Product: Credit card or prepaid card

My wifes wallet was stolen on XX/XX/XXXX while shopping at our local XXXX XXXX store. She called me and I immediately reported it to the the 3 banks the represented the cards in her wallet. i also reported it to the local police department and gave the credit card companies the case number. There was 1 unauthorized charge conducted on each card by the thief before the banks could put a stop on them. All 3 banks later gave us a credit. Bank of America however later reversed it. I called them and asked why and they said it looks like a mistake was made and they would have to reopen the fraud case. Then i received a letter that it was approved and i should receive a credit on my account. i waited a couple of weeks and called back and they said they didnt know why i hadnt received the credit and they would have to reopen the case again. i have called over a dozen times to get this resolved only to be transferred to another person who doesnt end up helping.
Product: Credit reporting or other personal consumer reports

Started dispute in XX/XX/year> about my XXXX XXXX, that is showing a 120 days late. 
On my Transunion report, it is saying paid as agreed and showing late payments. 
This is an older account XXXX XXXX XXXX. 

All other credit agency XXXX, XXXX are showing correct information
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX account is reporting inaccurate credit limit and balance and payments late XXXX on XXXX and 90 days on Experian which is very incorrect I will like to have this account remove from my report as soon as possible thank you so much
Product: Credit card or prepaid card

I have two charges for flights that were cancelled due to COVID. In both cases, the airline has agreed to give me a refund, and in both cases a refund has not come through. Below are the details of the charges. 

XXXX - Flight booked XX/XX/XXXX for {$140.00}. Flight departure date : XX/XX/XXXX, XXXX flight was cancelled by the airline on XX/XX/XXXX with agreement for a full refund. As of XX/XX/XXXX the refund has not been granted. Chase will not assist with the refund. 

XXXX XXXX - Flight booked XX/XX/XXXX for {$420.00}. Flight departure date : XX/XX/XXXX. The flight was cancelled by the airline on XX/XX/XXXX with agreement for a full refund. As of XX/XX/XXXX, the refund has not been granted. Chase will not assist with the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing TRUIST XXXX  XXXX  inquiry and I would like to see the application of credit. Under the Fair CreditReporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report that noticed hard inquiries that are not mine on my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Equifax Credit Reporting for their inaccurate and fraudulently reporting of the XXXX XXXX XXXX XXXX  ( XXXX  ) account number : XXXX XXXX. The information being reported by Equifax Credit Reporting is inaccurate and is violating several laws, including the Fair Credit Reporting Act. 

I have reviewed my credit report and found that Equifax Credit Reporting is reporting inaccurate information regarding the addresses associated with this account. They are also reporting the following addresses : " XXXX XXXX XXXX XXXX, CA XXXX '' and " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX. '' However, I have never lived at these addresses nor have I authorized to report these addresses to Equifax Credit Reporting. 

As per 15 USC 1681i ( 5 ), it is the responsibility of the credit bureaus to modify or delete accounts that are not reporting accurately. However, despite my efforts, Equifax Credit Reporting has failed to take any corrective action. They continue to report false information, which is affecting my credit score and ability to obtain credit. 

Moreover, as per 15 USC 1681b ( 1 ), credit bureaus must have written permission from consumers to report their information. However, Equifax Credit Reporting has reported my XXXX  XXXXXXXX XXXX XXXX ( XXXX  ) account without my written permission, which is a clear violation of this law. 

Furthermore, as per 15 USC 1681, I have the right to privacy, which has been completely disregarded by Equifax Credit Reporting. According to 15 USC 1681s-2, 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. The credit bureau has been notified of the inaccuracies, yet they continue to report false information. 

Therefore, I demand that Equifax Credit Reporting delete the inaccurate information immediately, including the incorrect addresses associated with my XXXX XXXX XXXX XXXX  ( XXXX  ) account and remove freeze alert. Additionally, I request that they compensate me for the financial losses and emotional distress I have endured as a result of their inaccurate reporting. 

I urge you to take immediate action against Equifax Credit Reporting and ensure that they comply with the laws that protect consumers ' rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I submitted an online payment for the power services ( around XXXX ET ). The same day at XXXX ET was contacted by phone by scammers that affirmed that my payment submission was declined and i needed to submit payment on the phone to avoid suspension of the power services within the next hour. They tried to make me submit a second payment from the original account I used to submit the payment using XXXX as the method of payment. The type of bank account did not support XXXX and I was forced to use my personal checking account from Citibank thad did have the XXXX service enabled. 
They made me submit 2 payments via XXXX  with the information below XXXX using the XXXX  number XXXX and XXXX with XXXX  number XXXX. 
Once I realized it was a scam, the individuals hung up and never answered the phone ( they used a fake caller id number ). 
I contacted Citibank and XXXX XXXXXXXX XXXX XXXXXXXX, submitted a report with both institutions. XXXX has not reached out, but Citibank opened an investigation under XXXX. I can not open a claim directly with XXXX since I get their service from Citibank. I gave Citibank the phone number/account information used in the XXXX  platform hoping that they would retrieve the funds and refund me. Today, 10 days after, I have received a letter from Citibank declining my refund request and asking me to contact the scammers directly. I do not have a way to contact the scammers but they do have a way to force XXXX to track the users behind the 2 numbers provided to prosecute and force them to return the funds to my account. XXXX will not take my claim directly, since Citibank is the intermediary between me and them. 
I have been a citibank customer with this same account for over 22 years.
Product: Mortgage

I am writing to file a formal complaint against my mortgage company, Calcon, which bought the mortgage from XXXX, who bought it from XXXX XXXX ( all resold in under 3 years ) regarding what I believe to be predatory practices and a lack of transparency in their dealings with me as a customer. I have encountered several issues that have significantly impacted my ability to manage my mortgage account effectively : Double Coverages and Lack of Documentation : I believe the mortgage company has applied double coverages for XXXX policy and flood insurance at multiple firms despite my providing evidence of such doing. 

Account Access Disruption : On XX/XX/XXXX of this year, I discovered that my account access was disabled without prior notice or explanation. This disruption lasted for over a week, preventing me from logging in and managing my account online. As a result, I was unable to make a timely payment for the month of XXXX, which has had a negative impact on my credit and financial standing. 

Ineffective Communication and Support : Despite my repeated attempts to address these issues by contacting representatives in the contact center and escalating my concerns to higher-level personnel, I have encountered significant challenges in obtaining meaningful assistance. Calls have been frequently disconnected, and I have been transferred between departments without resolution or clarity on how these issues will be addressed. On top of all this, one of their senior staff contacted me pressuring me to refinance my loan from 3 % to 8 % and they would waive closing costs which just seem silly. This person at Calcon was fairly aggressive in pressuring me on the phone and saying that my mortgage would get resold if I did not refinance it and things would be very annoying for me.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized inquiries that have been reported on my credit report by the XXXX XXXX XXXX. These inquiries constitute a clear violation of the ( FCRA ). As per the FCRA, the only permissible purposes for a credit inquiry are employment, insurance underwriting, court orders, and a firm offer of credit. None of these conditions apply to the inquiries in question, and they were made without my consent. Therefore, these inquiries are unauthorized and must be removed from my credit report immediately. Attached to this complaint is the XXXX XXXX outlining the violations and the associated statutory damages. I request that you ensure prompt removal of these inquiries and remit payment for the damages to the address provided on the invoice.
Product: Mortgage

On XX/XX/XXXX, I contacted Citizens One about refinancing my current mortgage. I was assigned to XXXX XXXX, the loan officer. I immediately submitted all documents as requested such as my taxes and financial statements and as Mr. XXXX said my documents were all satisfied and he will proceed with the refinancing. Nonetheless, it is now XX/XX/XXXX. I still don't have a closing date. I followed up with Mr. XXXX frequently and time after time he said it is in the working progress. Each time I contacted Mr. XXXX he stated that because of the pandemic, the paper work takes extra time. I had already paid for my appraisal back in XX/XX/XXXX and authorized second credit check. Still, no progress. In XX/XX/XXXX, I contacted XXXX XXXX, XXXX 's supervisor, to express my concern and frustration about the delay progress and I am running out of patience. He told me I have to wait like everyone else and again he blamed it on the pandemic. I contacted him numerous time later to check on the progress, he never return any of my calls. It is almost a year and my loan hasn't moved any further and the officer is ignoring me. I am an XXXX woman. My husband and I own a XXXX XXXX. We are struggling with the pandemic and therefore trying to refinance our mortgage to take some cash out to survive. With all the treatments XXXX and his superior, XXXX, are giving us fit the XXXX profiling. We work just as hard and the pandemic put us in great debt. Citizens One is also my current mortgage lender and we have never had even one late payment. The only reason we contacted them again because we want to stay with the same company. Is this how Citizens One treat their life long good customers? We are not the cause for the pandemic. And i do have all the text and email to prove that I was trying to follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts witherroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response fromthem until this date. XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I rented a car from XXXX. I returned the car when requested. They put a {$72.00} hold on my card ( and some change ) However they charged me for two days, because apparently they couldn't locate the car in construction at the airport. I parked where requested but there was no employee there to assist. They charged {$160.00} on XX/XX/XXXX. I called XXXX XXXX to dispute it. They suggested I cancel that card and get a new one to prevent them from charging any more. I did. My dispute started then. They removed the charge from the original card and put it on my new card. Then in XXXX they allowed XXXX to put on XXXX for {$22.00} ; XXXX {$65.00} ; and XX/XX/XXXX {$7.00}. They show on the statements they credited it, but am still requiring payment on it. They never had my new credit card number to get authorization for it, so not sure how XXXX can even charge my card. The bank is showing {$220.00} in disputed charges. But again am requiring me to make payment. I closed my account as the only way to prevent them from allowing more charges and charging me more interest and fees. Can you please help. You can't talk to anyone about it, other than customer service. No email, no fax. You have to plan on at least an hour when you call them as they don't answer their phones, due to " covid '' I don't know how they can continue to allow charges when no one has my new card number or authorization.
Product: Debt collection

I sighed up for a XXXX pay off option with Koalafi on XX/XX/2022 I made the initial payment then was told that I would have under the agreement XXXX days to pay it off on XX/XX/2022 I called into their customer service department as the online option for payment was showing more than XXXX then what was originally supposed to be charged. The customer service agent that I spoke with refused to update the payment due, refused to transfer me to a supervisor and refused to give me his name or ID number. I called back to attempt to get to a supervisor XXXX and he stated that they are refusing to honor the XXXX payment price, their " system '' does not allow it. The XXXX days does not expire until XX/XX/2022. 

For your records, your lease will consist of the following terms : XXXX Payment Option : XXXX as long as you pay off within XXXX days Lease Amount : XXXX Initial Payment : XXXX Scheduled Time to Ownership : XXXX months Initial Payment Tax : XXXX Payment Frequency : XXXX a Month # Remaining Scheduled Payments to Acquire Ownership : XXXX Payments XXXX : XXXX} Last Payment : XXXX Scheduled Total Cost of Ownership : XXXX, if you don't pay off early
Product: Credit card or prepaid card

On XX/XX/2021 I reached out to Wells Fargo Bank to inform them of 2 fraud charges on my account. After several months of investigation I received a letter on XXXX XXXX stating that these fraud charges were vailed because I paid my bill.