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

XXXX, XXXX, and Experian used my information without my consent for the accounts : XXXX XXXX ( XX/XX/XXXX  ) and XXXX XXXX XXXX ( XX/XX/XXXX  ) also According to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : A : the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

However my information was misused without my consent of approval.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting false unvalidated information on my XXXX, XXXX and XXXX credit reports. 
Debt : {$1000.00} opened XX/XX/year> Debt 2 : {$1100.00} opened XX/XX/year> Debt 3 : {$1100.00} opened XX/XX/year> Dept 4 : {$1000.00} opened XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Bank XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date 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 Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXXXXXX of Inquiry : XXXX XXXX Date of Inquiry : XXXXXXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX Inquiry Date XXXX
Product: Debt collection

I do not know who is Caine & Weiner collecter are. I never did any business with these people what so ever.They stated on XXXX XXXX i owe the {$190.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX incorrectly reported to at least 3 credit bureaus ( XXXX, Transunion and XXXX ) that I owe XXXX {$240.00} on an account that was closed in spring XXXX. I owe XXXX nothing, and disputed that balance to XXXX and to each of the credit bureaus. The credit bureaus have failed to correct my credit history, so I continued to try to resolve the issue with XXXX. Most recently, today on XX/XX/XXXX, I spoke with a XXXX Customer Service Representative named XXXX, who looked through my account notes and confirmed that 1 ) I requested account closure as early as XX/XX/XXXX, and 2 ) XXXX did not actually close my account until XX/XX/XXXX. He also confirmed that XXXX had incorrectly billed me {$10.00} more per month than what I had signed up for. That billing discrepancy was the original basis for my desire to cancel my XXXX service : XXXX had falsely represented my monthly service would be {$49.00} per month, but instead charged me {$59.00}. My exasperation with XXXX 's billing practices in violation of my contract precipitated my request to close the account. XXXX then dragged its feet on account closure so it could keep piling on charges and fees for 3 more months. I paid the legitimate balance in XX/XX/XXXX, but refused to pay any more of XXXX 's illegitimate charges. Finally on XX/XX/XXXX, XXXX discontinued my service. None of the remaining charges on my account are legitimate. Today the first Customer Service Representative, XXXX, said he was unable to reverse any of the charges. I asked to speak with someone who could, so he connected me to his supervisor, XXXX XXXX. She reviewed my account and the months of notes, and concluded that my account should be credited {$110.00}. She said the corrected balance would be reported to the credit bureaus. However she said XXXX would continue to charge me a purported {$130.00} " early termination fee. '' She said it was pursuant to my contract, which I disputed, particularly since I never received a written contract. I explained that even if I was under such a contract, XXXX had breached the contract by ADMITTEDLY overcharging me every month, so I should not be charged a fee for getting out of a fraudulent contract and billing scheme. XXXX and the credit bureaus should not be permitted to extort such illegitimate payments from me or any other consumer. I discovered this credit reporting issue while applying for a mortgage. My first loan application was rejected due to this erroneous information the credit bureaus accepted without question from XXXX. I will have to pay a significantly higher interest rate to secure a mortgage. I have also been turned down for 2 credit cards since the credit bureaus accepted this false information and added it to my credit history. This erroneous credit blemish also harms my ability to apply for jobs and rental housing. This extortion by XXXX, TransUnion and XXXX on behalf of XXXX is therefore costing me a lot of money and reputational damage.
Product: Credit card

There was an issue with the bank in 2020 and the credit card wells fargo where the bank was from what i understand short staffed and ended up having a problem with a deposit, meantime the wells fargo payment got messed up, with short funds. i worked out hte issue with td bank but wells fargo refuses to remove this one 30 day late issue. 

trying to get in touch with people is very time consuming and seems no one ca fix this. my credit otherwise is prestine. no lates on any other accounts.
Product: Payday loan, title loan, or personal loan

I Have borrowed XXXX dollars with a repayment of XXXX dollars by weekly. I have made my first payment and noticed that it only credited me for {$10.00}. I called the company quickly only to descover that XXXX dollars go to the princpal and the rest go to the interest of the loan. I will have a total of XXXX payment of XXXX dollars to repay a XXXX dollar loan. I am a single mother I can not afford this. Please help.This will be XXXX dollars in the end. I started the loan XXXX/XXXX/2017.
Product: Debt collection

I called the finance company on Saturday had a payment due but wanted to know why my vehicle was reported a repo. I told the rep i did not want to make the payment until someone could help fix my account she was rude and never listened to what i had to say. I called back on Monday and asked to speak to a supervisor and was transferred to 3 different reps. Not one accept the last supervisor listened. I agreed with her to make bi weekly payments starting on the XXXX for XXXX and on the XXXX XXXX. She also sent me my payment history a first in 3 years. 
Today i recieved a call from a rep at XXXX asking me about a payment i tried to explain that i spoke with a supervisor on Mondaydid n't get anywhere i am very frustrated with this crooked finance company that has just been sued in Mass and Michigan for there illegal practices.
Product: Debt collection

I WOULD LIKE THE FOLLOWING FRAUD ACCOUNTS TO BE DELETE FROM MY CREDIT REPORT ASAP. SEE ATTACHMENT DOCS. 

PLEASE DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ITS SHOWIN LATES PLEASE AJUST THEM TO N/A-PAID FOR ACCOUNT XXXX XXXX FOR MONTHS XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Have disputed account from XXXX XXXX XXXX to Transunion many times. Account is too old to be on file yet they refuse to remove this item. XXXX had complied and removed it with no problem.
Product: Credit card or prepaid card

After receiving a bill, I initiated a dispute on XX/XX/22 for a charge at a hotel I did not make. Then, I received another letter that included a late fee. I was told to pay the amount because it would be reported to the credit Bureau as late if I didnt pay the amount owed while in dispute. I didnt want my credit to be affected so I paid the amount. I have been in communication with Citi XXXX and most recently I received a letter stating that I cancelled with the merchant and they refused to issue a refund and closed the dispute. The charge was made in NM and the proof the merchant provided is not my name or signature. I have not received a refund for the amount paid or the late fee. I paid {$180.00}.
Product: Mortgage

This is the second complaint to the CFPB on this death/assumption/modification closing. To date OCWEN has only retaliated for my complaint by changing the terms and transfering my deceased daughters loan which had been transferred to me, back into her estate? 

The loan was transferred to XXXX who is now requesting {$12000.00} which Ocwen claims to have forgiven : Current Terms were : Unpaid Principal Balance : {$21000.00} Interest Rate : 10.375 % Remaining Term : XXXX? 
Loan maturity date : XX/XX/XXXX Proposed Terms are : Unpaid principal balance {$33000.00} Principal forgiveness : {$9000.00} Amortizing unpaid principle balance : {$24000.00} BALLOON PAYMENT : {$4200.00} INTEREST RATE : 3.875 % REMAINING TERM : XXXX? 
REMAINING AMORTIZATION TERM : XXXX? 
Modification Effective date : XX/XX/XXXX? 
XXXX XXXX XXXX : XX/XX/XXXX I continually questioned the terms of the death/assumption/modification and finally received this unofficial non RESPA document. I was told that there was no BALLOON NOTE and all this information would change after the trial period? It was not changed but instead my daughters loan was transferred to cover up this disaster. In addition I was continually questioned as to where I got the document? So I gathered I was not supposed to know that I was being defrauded and taken advantage of. 

I was already promised by the OMBUSMAN department that they would adjust the junk charges added to my loan previously when this loan was paid off? Is it a technicality that transfer does not mean paid off? 

Ocwen is now requesting estate documents before they can talk to me ( letters attached ). Documents that were provided last year in order for them to provide a mortgage assistance acceptance form and final notorized borrowers acknowledgement ( both attached ). 

The payments are current to XX/XX/XXXX and all payments were made as agreed per the contracts we are into 6 payments and no one is paying attention. All documents have been provided after continually contacting OCWEN and finding someone who made sure I got the documents to notorize and finalize this transaction. Only to find that it has not been finalized because of the retaliation from the attempt to rob me and my deceased daughter with a pen. PLEASE, PLEASE HELP.
Product: Credit card or prepaid card

Synchrony bank I recently had fraud on account. I reported fraud I also contacted merchants to get credit back. Not a lot few XXXX dollars. I have a lot of credit cards with synchrony bank. I was asked if I wanted to update my information. I said yes update my phone etc. I have a great credit score. Today I go to purchase gas at Sams and card declined. I contact bank tell me closed due to internal risk factors. I lost all rewards points nearly {$250.00} they were to pay me for 2020 rewards. Not fair to not still give rewards I earned last year. They are closed all my cards I have same reason. I see I internet this is something they are doing to a lot of people in the middle of a pandemic. I never was late on payments or anything. Had about {$50000.00} in credit but only used a couple XXXX each month. Never financed with them. I think a class action suit should be filed on their taking rewards dollars from cardholders that were earned before paid and claiming I forfeited my rewards. Bad company practices by synchrony bank and companies should find a better bank to deal with because this effects merchants also.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card account XXXX XXXX XXXX opened XX/XX/year> account number XXXX in the amount of XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries ; I possess no knowledge on them, and they were executed by the company without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( plaintiff ) and XXXX XXXX ( accused ) entered into a mutually agreed upon written contract for the renovation of the property located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/XXXX. The accused made a written promise ( contract ) to renovate the above mentioned property within eight ( 8 ) weeks for a total sum of XXXX XXXX dollars paid to him at predetermined intervals of two weeks. The accused not only failed to deliver on his contractual obligations, he resorted deceits and series of lies and false statements ( please see XXXX text messages screen shots attached on the accompanying USB flash drive ) regarding the state and the progress ( or lack thereof ) of the renovation on the property in question. By XXXX of XXXX, the accused had also received the full payment ( construction loan draws ) with very little work complete with no end in sight. Furthermore, the accused fraudulently induced payment which were NEVER applied toward the purpose it was demanded for. The series of deceits continued and the plaintiff was left with no choice but to seek legal help. A Notice of Default and Demand to Cure was sent to the accused and was given a months time to fulfill the contractual obligation. The accused failed to comply with the Notice of Default and Demand to Cure and was sent Notice of Termination of Construction Contractii with instructions to account for and return the unused portions of the construction trust fund under his fiduciary custody. The plaintiff not only failed to comply with both notices, he is now attempting to circumvent his fiduciary obligations by filing for chapter XXXX bankruptcy. 
By XX/XX/XXXX of XXXX, the renovation work at XXXX XXXX XXXX XXXX, XXXX Texas XXXX was in an unfinished state and the accused is in possession of funds despiteseveral requests and notice from the plaintiff to the accused to cure and or to return unused funds. 
Accused also failed to mention his fiduciary obligation in his bankruptcy court filing, he has attempted to deceive the court by surreptitiously and obscurely mentioning just the law firms name and an obligation of {$0.00} on Schedule E/F Part 2 4.45 as a NONPRIORITY Unsecured Claim. Accused violated several sections and articles of multiple Texas statutes and Title 11 of the United States Code which are described and referenced in detail on the accompanying USB flash drive. I have suffered massively due to this criminal act. I am also trying to have this information displayed on credit bureau 's websites and for them to share this information with inquirers but they have not complied so far. I am requesting CFPB to force them to share my story as well.
Product: Student loan

Hello, I currently have student loans totaling about {$28000.00}. My loans are being handled by Navient.com. It was suggested that I apply for a Income Based Repayment plan, so I did. 
I currently do not work and our only income is my husbands income. I feel that it is not right to figure the payment amount based on my husbands income. I do not have a problem making a reasonable monthly payment or trying to figure out how to get student loan forgiveness. 
Navient calls me everyday from different numbers usually without leaving a message or they leave a computerized voice message. Navient sends me monthly email statements with different payment amounts every month. Some amounts are high and some amounts are low, never XXXX set amount. If proof is needed, I have saved every email that Navient has sent me. 
Please help me find a solution that everyone can agree on.
Product: Bank account or service

" To receive the {$300.00} bonus, you must open a new Bank of America Core Checking account and set up and receive XXXX Qualifying Direct Deposits of {$2000.00} or more each to your new personal checking account within 90 days from account opening. " I received the ad in mail from Bank of America. Because of the attractive bonus, I opened a new checking account and then transfer my salary to it. 3 months later, I did not get any bonus as they committed at beginning. I called their customer service hotline, contacted the teller who set up the new account and resubmitted the relating documents to one of BOA branches. Nobody can tell me exactly what 's the " qualified deposit '' is. My company paid me every two weeks, the bi-weekly income is less than {$2000.00}, but the " qualified deposit '' they required is monthly income .... I believe it 's a big trap for consumers. I wasted too much time to call their customer service, and they kept transfer my call to another person, and they asked the same questions about your account information, your name, birthday, social security number, when you tried to get the solution, they said they are going to transfer you to the right department, and you never know where is the right department. 
Bank of America is a lier! I wo n't trust them any more. Do n't trust their promotions, they are professional liers who are ready to trap you all the time.
Product: Credit reporting or other personal consumer reports

For the foregoing reasons I ask the following account be removed from my credit report from all credit bureaus.

1 ) under 15 u.s.c 1681 when reporting to the credit bureaus all reportings must be accurate.

2 ) western funding reported to XXXX on XXXX XXXX was the last payment. But western funding reported to XXXX that the last payment was XXXX XXXX. Which that's two different reporting to the credit bureaus. Furthermore, that's not the true last payment date from but one of them last payment dates is when western funding resold the vehicle at auction. Not only did western funding reported inaccurate information, western funding falsifying information to the credit bureaus.

3 ) Western funding reported to XXXX that the account was closed on XXXX XXXX. However, Western funding reported to XXXX that the account was closed on XXXX XXXX. That's two inconsistent dates that Western funding reported to the credit bureaus.

For the above three reasons I request that this account be removed from all three credit reports. Because of the two inaccuracies, and most important the falsifying information that Western funding reported to the credit bureaus.
Product: Checking or savings account

On XX/XX/2019 I MOBILE DEPOSITED a check written to me and my wife from XXXX XXXX XXXX XXXX XXXX XXXX for $ XXXXI was the sole endorser. Six months later Bank of America reversed the deposit stating that the check was deposited twice. After hours of research and multiple phone calls someone from B of A told me that a guy named XXXX XXXX successfully deposited that check on XXXX XXXX ( SIX MONTHS LATER! ). I informed B OF A that the check was likely stolen from my home ( we had three different housecleaning companies working in our home at the time ) I filed a police report and an arrest warrant has been issued. Despite being a customer for nearly thirty years, B OF A has repeatedly denied my request to redeposit the funds.They refused to provide me a copy of the redeposited check and failed to give an explanation how the check could have been cashed six months after I deposited it to my account to a person who was not me and in the absence of endorsement by both my wife and me.Once this gets resolved I will close my B OF A account XXXX XXXX XXXX MD
Product: Debt collection

According to the fair credit reporting act ( fcra ) Section 605b it is illegal to report information on my credit report without my permission.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to XXXX XXXX Account XXXX XXXXXXXX open XXXX according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, i demand to see verifiable proof of contract