23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

After paying the Apple Card in full and closing my account on XX/XX/year> XXXX. Goldman Sachs Bank is attempting to charge me {$120.00} in interest in a fraudulent effort to secure funds when they are not owned to the company. This is a violation of the Fair Credit Reporting Act 15 U.S.C. 1681 and is also fraud in my home state ( XXXX XXXXXXXX XXXX ). When a Goldman Sachs Bank representive supervisor ( XXXX ) was asked about the interest he lied about the origin of the interest. I believe that this company is fraudulently charging customers interest.
Product: Debt collection

I received a second NOTICE OF DEBT from Linebarger Goggan Blair & Sampson, LLP dated XX/XX/2021 for {$29.00}. I am a federally protected consumer. I never gave consent for Linebarger Goggan Blair & Sampson, LLP to communicate or contract with me. Under 15 U.S. Code 1692, there are several violations that Linebarger Goggan Blair & Sampson, LLP committed. The debt collector was sent a notarized Affidavit of Truth, exhibit ( s ) of violations and an invoice certified mail for their abusive practices dated XX/XX/2021 from the federally protected consumer. I am seeking my requested remedy according to damage ( s ) sustained and regulated under 15 U.S. Code 1692.
Product: Credit reporting or other personal consumer reports

Description of what happened : On XX/XX/XXXX, I discovered multiple unauthorized inquiries on my credit report from various companies. These inquiries were not authorized by me, and they are negatively impacting my credit score and overall financial standing. On XX/XX/XXXX, I contacted the credit bureau to dispute these inquiries and formally requested their removal. However, I did not receive any response or resolution. I followed up with additional emails on XX/XX/XXXXXXXX XXXX XXXX but I still have not been provided with any updates or assistance. 

These unauthorized inquiries need to be addressed promptly to prevent further harm to my creditworthiness. 

Details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Amounts involved : There are no direct financial amounts associated with these inquiries. However, they are negatively affecting my credit score and financial standing, which could impact my ability to obtain credit or favorable terms in the future. 

I kindly request an immediate investigation and the removal of these unauthorized inquiries from my credit report.
Product: Money transfer, virtual currency, or money service

I have a Cash App account. On XX/XX/XXXX this I sent a payment of {$100.00} to XXXX XXXX. The payment was accepted by XXXX so I canceled the payment on XX/XX/XXXX. The canceled payment of {$100.00} was still shown to be missing from my checking account so I called my bank XXXX XXXX to describe what happened to get the funds credited back to my account. I thought the situation was resolved til the morning of XX/XX/XXXX at XXXX XXXX  I received two emails from Cash App. The first email was to notify me that my account had a negative balance which was confusing since I had not made any transactions that would have placed my account in the negative. The second email stated the canceled payment I canceled for XXXX XXXX on XX/XX/XXXX was canceled and credited to my cash app balance. But it also stated that my balance was - {$100.00} and to make a payment to cover the negative balance. I tried to get in contact with Cash App but they do not have a working line that allowed me to speak with a customer support rep. In addition to this issues, someone sent me {$81.00} they owed me, and I instead of holding the {$81.00}, the {$81.00} was credited to the - {$100.00} balance. I do not owe Cash App anything, and this is either a glitch in their system, or a case of fraud. Either way I would like this issue resolved immediately! I am going also to file this complaint with the XXXX XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX TODAYS XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX  XXXX XXXX XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX  XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXt typeApartment complex XXXX XXXX XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers do not belong to me XXXX XXXX XXXX XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular EMPLOYEES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax both failed to repspond to my dispute within 30 days and they continue to report false information about a debt in collections!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$390.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance : {$150.00}
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020, 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous disputes to Equifax regarding the misreported information on my credit file. Equifax has ignored my request to provide me with the documents that their company supposedly has on file that they claim was used to verify the inaccurate accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required by law to " promptly delete all information which can not be verified ". As I stated prior I have sent numerous disputes and each time Equifax tells me that they've contacted the company and my accounts are accurate and verified. Equifax can not verify that my accounts are accurate because the company says it's verified this is misreporting and this company does not follow proper protocols. This company has failed to accurately verify my accounts with the information they claim to have on file for me. Below are  the accounts I constantly dispute, and each time I am being told that they are accurate because the company says they are. I constantly request that the companies alleging these accounts and Equifax send me actual PROOF documents bearing my signature to substantiate the alleged account belong to me and they never send them. 

XXXX XXXX XXXX : {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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, inaccurate, and false information consists of : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

On XX/XX/XXXX, I formally requested removal of PMI for my mortgage stating that Ive reached 80.0 % LTV. My mortgage is held by Sierra Pacific Mortgage and serviced by XXXX. 

On XX/XX/XXXX, I received a letter from Sierra Pacific Mortgage stating some conditions for PMI removal. Among those conditions were that a ) for primary residences loans, less than 5 years old require LTV of 75 % and b ) for multi-family residences the required LTV is 70 %.  They also stated I would have to pay for an appraisal. 

My mortgage disclosures from Sierra Pacific at the time of my mortgage closing very specifically state that my required LTV is 80 %, at which time I can request PMI be removed. The Sierra Pacific Mortgage website for my loan also states this 80 % LTV. 

At no point prior to receiving their letter was any 70 % or 75 % LTV requirement mentioned. 

I called Sierra Pacific repeatedly to address this issue. I talked the front line support about this and they would not put me in touch with the PMI department. They told me my PMI cancellation request was denied and that I needed a mortgage balance of {$440000.00} ( 70 % ) LTV to remove PMI ( my property is a two flat ). 

At this point I escalated the issue to a supervisor ( XX/XX/XXXX ). I was transferred to XXXX XXXX. He told me that he would reach out to the PMI department and get me more information in 3-5 days. I called XXXX XXXX on his direct line ( XXXX ) and left him message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. He did not answer or return any of my calls. 

At this point Ive hit a dead end. I cant get in touch with any one helpful to remove my PMI and Im continuing to pay it despite hitting my requisite loan to value.
Product: Mortgage

In XXXX of 2022, I applied for HELOC with Flagstar bank ( who also had my mortgage ). In XX/XX/2022, I was two months into the process when they said that I had not made a payment on my mortgage in XXXX of 2022. I told them that is 100 % false. We made a payment in XX/XX/2022 of the normal mortgage amount. But because we have it set up on auto pay from the bank, apparently, unnoticed by us, escrow went up at the end of the year and the payment increased {$62.00}. We paid the dirrence within days. In ten years of owning the house we never had a late payment. 

On XX/XX/2022, Flagstar declined my application because of the " late '' payment. They wasted my time for 2 months, when they had this information in their file the entire time. They said management would not give an exception because Flagstar sent a notice ( the payment invoice ) that the amount changed. ( I get that. But if they don't give an exception for that, what do they give exceptions for ). Now i have to start over with another company because one payment was {$62.00} short.. My problem was that i actually went with the company that had my first mortgage. If I would have gone with another company, it would not have been an issue because it was cured within 30 days, so it was never put on my credit.

.

Whatever you do, do not use Flagstar, for anything
Product: Bank account or service

Overcharging Fees on our checking account. In last 3 years maybe 4 at least {$8000.00} in fees and overdraft charges.
Product: Payday loan, title loan, or personal loan

This complaint is in regards to Cash Central. On XX/XX/2022, I contacted Customer Service and requested for my bank account to be changed. The young lady stated that I needed to send them a recent bank statement along with the routing number and they will update it. 

I sent them the bank statement and routing number within minutes of speaking to the young lady. When I sent the email, I stated Good morning. Please find the enclosed bank statement for my new bank account. Please update ASAP. The original bank account is CLOSED. Thank you ( Ive enclosed a copy of the email. 

According to Cash Central, To ensure your loan payment is debited from your new checking account, your bank account information must be verified and updated before XXXX XXXX EST the banking day before your due date. You can change your account information by contacting one of our customer service representatives who will be happy to assist you per their website. 

My payment was due XX/XX/3022 so I gave them more than a day to update my bank account information. 

XX/XX/2022, I received an email from CC stating Thank you for your email. Your bank statement has been received. For further assistance on your account, please give us a call at XXXX. One of our agents will be happy to help you. 

When I went online to check, the checking account had not been changed. 

XX/XX/2022, I received an alert that CC had debuted the OLD account and it went through BUT because that account is closed, I was charged an insufficient fee of {$30.00}. 

I immediately contacted CC and the gentleman I spoke with was ABSOLUTELY NO HELP. He didnt know what he was doing and all he said was to email the bank notice that showed the payment and NSF fee and they will take care of it. 

I sent an email to XXXX and XXXX explaining to them what they had done after Id given them adequate notice and they SHOULD NOT have taken any money out that account. I havent heard from CC as of today and my bank account still has not been updated!! I HATE CC!! Theyre unprofessional, incompetent and should not be in business.
Product: Credit reporting or other personal consumer reports

reporting unauthorized information to any consumer report is fraudulent and a violation of both state and federal laws. I am here on the cfpb to make this issue be known. I did not provide the companies referenced in the attached letter with consent to share my credit card ( ID, SSN, etc ) or any other nonpublic financial information with another entity and I did NOT give the consumer reporting agencies [ XXXX, Equifax, XXXX ] expressed written consent to report the information. This concludes to IDENTITY THEFT. I am demanding that this information be blocked. The accounts are also noted below : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes with transunion to delete all inaccurate information on my credit report that is hurting my file. please review an delete the data asap.
Product: Consumer Loan

I have a car loan which I routinely pay on line. I paid XXXX payment on XXXX. A week or two later I received a late payment due from their collection dept. After a long conversation on the phone I finally convinced them that I was looking on the computer screen at my bank account and saw that they debited the money from my account on XXXX. They supposedly saw what happened and said they would take care of it. Twu weeks later I received another letter from the collection dept. with more late charges. I called again and they said be patient and it will be corrected. Three weeks later I received another letter from the collection dept. This is ridiculous that in this day and age they can not just bring up my account on the computer and fix the problem with one or two keystrokes. I am now concerned that this is going to affect my credit score as it is XXXX. I just want it fixed and a written letter from them stating that this will not avvect my credit score and to get rid of the late charges. I actually talked to a XXXX ( a supervisor ) but still a pronlem is there and not even an apology.
Product: Checking or savings account

Commerce Bank sent me mailers offering a {$300.00} bonus if I opened a checking account. I complied with all the terms but the bank did not pay the bonus. They tried to find all sorts of excuses for not paying the bonus. After I refuted all the excuses, they stopped answering me.
Product: Checking or savings account

well last year i was getting a lot of overdrafts from wells fargo bank i did try to fix but kept getting a lot those overdraft so in XXXX i decided to switch to another bank inwhich i found out that the other bank has a overdraft account that help me with some overdrafts that when i realized that maybe XXXX XXXX was ove charging me on ovedrafts if so can you find if wells fargo jited me.
Product: Debt collection

Date : XX/XX/2022 Company : XXXX - XXXX Company Phone Number : XXXX I XXXX XXXX XXXX Paid A Settlement Amount Of {$280.00} ( Confirmation # XXXX ) For A Collection Account To Be Removed And Was Told In 21 Business Days The Account Will Be Removed From All Credit Bureau Reports/Account .
Product: Credit card or prepaid card

I purchased a vehicle at the XXXX XXXX XXXX in XXXX Florida on XXXX XXXX XX/XX/2018. I initially swiped my American Express Blubird card that i get my direct deposit on. It declined. I got paid that same day. I then used another source of payment. Later on that day i realised that my account was {$700.00} short and the payment was indeed accepted, but it was not in the dealerships ledger. I then contacted American Express customer service and i could not get any information on my account because their " system was down ''. My {$700.00} has been on hold for 3 days. I contacted American Express again this morning and they continued to tell me my money is on hold through an automated system and there is nothing they can do about it. I have car payments and bills, {$700.00} is a lot of money that i need right now, not in 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX XXXX {$59.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from many companies one is : Citizens One Auto Finance I never applied for a Auto Loan with XXXX XXXX They misspelled my name I never filled out any application I have been getting these for day now and I do not know why? I just saw my credit hit by negative and down XXXX points