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

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were 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 XXXX, AL XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance $ {$1200.00} XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Balance : {$730.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am a new immigrant who just logged on and because I needed a loan to buy a car I filled out and signed a loan counseling application at XXXX XXXX but to my surprise they gave it to almost XXXX loan companies for review which caused serious damage to my credit, no one told me to do this and I didn't even know that I was being counseled multiple times until I received the appraisal reports from multiple loan companies. These loan companies had no direct documentation of my signature authorization. I am filing a complaint about these actions and would like the opportunity to repair my credit report. 
The following are the companies and times that inquired about the reports without my signed authorization and these inquiries are considered third party actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> FLAGSHIP CRE XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/ ( 1 yrs, 4 mos ) Open - Individual Placed for collection XXXX GENESIS FS CARD SERVICES INC XXXX
Product: Credit reporting or other personal consumer reports

I just moved to XXXX XXXX on XX/XX/XXXX and I tried to get my XXXX drivers license transferred to XXXX XXXX and I have a couple of ticket to pay and on the criminal background I said I have a misdemeanor charge pending thats why it did. Not come back on the record I was in an accident on XX/XX/2021 and XXXX every XXXX from my waist down.. Just started walking again five months ago
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXX XXXX XXXXXXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

On XX/XX/XXXX I paid the XXXX on behalf of XXXX XXXX XXXX a {$150.00} deposit for a work meeting. Upon paying deposit I signed a proposal stating that the deposit could be paid via my Capital One 360 debit card but remaining balance could be paid via cash, or card. On XX/XX/XXXX, we had our work meeting at XXXX XXXX XXXX at noon. Around XXXX, the CEO of our company asked for the check. I saw him give our server his debit card for the remaining charges of {$830.00}. I asked our CEO if the receipt had the deposit amount deducted. He said it hadn't and gave the receipt with his card with the server. The server brought back the receipt and the CEO signed. A month later I was contacted by XXXX XXXX social stating the balance hadn't been paid. I told them I watched the XXXX give his debit card to the server twice. For months XXXX XXXX social and I went back and fourth. Id written them a check from a different bank but stopped payment because I felt something wasn't right. The two receipts we were presented had a huge 3 time difference from where we paid from when the receipt printed. No where in the proposal stated that my debit card would be charged for the final amount. Nor did I give XXXX XXXX XXXX or XXXX permission to charge my debit card. On XX/XX/XXXX XXXX XXXX XXXX via XXXX charged my card for {$830.00} without my permission or my signature. I filed a claim with Capital One Bank On XX/XX/XXXX disputing the amount as an unauthorized charge. On XX/XX/XXXX, I received an email from Capital One Bank stating that they were reversing my credit of {$830.00} from my account on XXXX, XXXX. I appealed the decision immediately. On XX/XX/XXXX, I received another email with 26 pages of documents of emails between myself and XXXX XXXX XXXX. None of the emails included a signature or authorization to have my card charged for anything other than the {$150.00} from XX/XX/XXXX. Capital One Bank asked via email that I not contact them again about the matter. The charge is fraudulent.
Product: Credit reporting or other personal consumer reports

My husband is listed as an authorized user on my Chase credit card accounts, which are now inactive and closed. He has requested to be removed as an authorized user to ensure these accounts no longer appear on his credit report. However, Chase has refused to process this request, stating that they can not remove authorized users from accounts that are closed. 

Additionally, I am a victim of identity theft and have already filed a report with XXXX. Ensuring accurate credit reporting is critical as I work to resolve the complications caused by identity theft. Chases refusal to remove my husband as an authorized user is creating unnecessary difficulties for his credit report and my efforts to address identity theft issues. I am seeking assistance to ensure that authorized users can be removed from closed accounts, as this affects his credit report accuracy and overall financial well-being.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Unauthorized inquiries : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, TARGET/TD, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, TARGET/TD, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Payday loan, title loan, or personal loan

This company offers a short term installment loan for {$800.00}. The interest is over 450 %. Payment is XXXX a month for ten months. I have paid to date over XXXX and still owe over XXXX. 
I sent a letter on XXXX stating that loans with this interest rate are illegal in Massachusetts. They responded today that I can mail my payment but I still have to pay.
Product: Mortgage

I closed on a mortgage refinance with Rocket Mortgage XX/XX/XXXX. XXXX handled the closing and has yet to record the mortgage. The refinance was also removing my ex-husband. I reached out to XXXX client relations and Rocket in XXXX and was told the original recording was rejected for an error. After a lot of back and forth they informed on XX/XX/XXXX that the recording and quit claim had been submitted. A property search and county recording search still do not reflect this. I sent a follow up email XX/XX/XXXX with no response. I advised them that if they did not respond I would report to CFPB. I had been trying to get a home equity loan and could not without these. Now the credit has expired and would need another done. This adversely effects my credit and has put a strain on me and my ex-husband.
Product: Mortgage

NewRez LLC is servicing my loans. They mistakenly applied insurance from two different policies to one loan. I have been trying to get them to correct the issue since XX/XX/XXXXXXXX  with about 10 phone calls, several emails, portal submissions, and physical letters. The company takes 3-4 months to respond to my complaints and requests to correct their accounting errors, however their responses are blaming the insurance carrier despite me submitting insurance policy documentation that clearly shows they made accounting errors. My last letter to them in XXXX of XXXX has gone unanswered. When I call the company the agents say they can not help as it's a different department that handles escrow/impounds and they can only be reached via letter or online portal submission.
Product: Credit reporting

I have contacted Equifax in the past. I have a loan with XXXX XXXX opened on XX/XX/2014. This loan has never been late. And is paid 3 months in advance. They have this loan reporting as never paid in Bankruptcy. This is not correct. Even the creditor has contacted them to try to get this information corrected attached is a copy of a lett from XXXX XXXX. The information need to be corrected. its been 4 months and many long hours and nothing fixed. I need assistance with this.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been 3 months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.
Product: Credit reporting or other personal consumer reports

All information on the credit report is incorrect and fraud is on my credit report and all things are effecting my score as well as my information was not verified by the creditor.
Product: Credit reporting or other personal consumer reports

There is incorrect addresses and personal information on my report.
Product: Credit reporting 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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 a 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 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit card or prepaid card

Let 's start with the XXXX XXXX XXXX card. Probably one of the worst companies in earth. 
Today is XXXX I had reported my card missing/ stolen XXXX I had asked for a replacement card here comes XXXX No card I call multiple times an ask what is going on I get told my residential is not a good residential address that I need to change my address. That my card had been sent back ummmm okay why? What is wrong with my address? ( Nothing ) mind u they won't change or update address for u. Now I can an have address update. So I proceeded to call a few days later an ask for another card to be extradited they say okay no problem. So 2 weeks go by still no card ridiculous what is going on ive seriously been waiting for a replacement card now over a month I'm angry at this point this is seriously a joke so I call today XXXX I ask them where is my card why haven't I received it yet XXXX representative says that it was just ordered on the XXXX an shipped out XXXX for. One I asked for it to expedite an yet they still just ignored me. another representative then tells me my card was ordered XXXX mailed XXXX : but not expedite because I need to change my address again now I'm about to loose my cool. I ask to speak to a supervisor they then put me on hold for a good 20 mins are u kidding me? then I guess supervisor XXXX badge # XXXX shes very rude so I ask for corporates number she tells me no. Then hangs up on me I call back I can't get through I continue to call back then I get through I then talk to a gentleman i tell him I'm sick of the games I just want my car I've been waiting since last month an I would like corporates number he tells me to hold I wait on hold another 20 mins he says he will transfer me to someone who can help with corporates number an some help.then here we go back to XXXX who tells me I need to change my address an that I'm not allowed to expedite my card I need to wait until after the XXXX then hangs u hangs up on me again I'm so sick of this I have been waiting for a replacement card for over a month. I'm sick of it an just want my money end of story this is crazy I'm done with the games they play I want my card
Product: Mortgage

On XX/XX/XXXX, I canceled my auto payment feature Via BSI Financials ' website and made the full mortgage payment that day. That payment was submitted ( {$3400.00} ) but the auto payment was also deducted from my account ( {$3400.00} ), resulting in double the payment for XXXX of {$6800.00}. I called BSI Financials customer service on XX/XX/XXXX once I noticed this. They told me they could refund the second payment but only via check. I agreed thinking that should take no more than two weeks as the employee stated it would be processed in ten business days. The second payment of ( {$3400.00} ) was reversed from my account but the check never showed up. I called customer support after waiting 29 days and was told their policy is to wait 30 days from when the check was issued ( XX/XX/XXXX ) and if the check was still not received, they would void the check and could either issue a new check or applied the funds to my next mortgage payment. I called back on XX/XX/XXXX, and they told me the check was now void and for the funds to be applied I have to submit a letter via email stating I want the funds to be applied to my XX/XX/XXXX mortgage payment. I emailed this letter on XX/XX/XXXX asking for confirmation the letter was received and the funds will be applied. I followed up to the email on XX/XX/XXXX & XXXX with no response. I called customer service again on XX/XX/XXXX inquiring about the email and was told to call back on Monday or Tuesday but to rest assured that the funds will be applied to my XXXX payment. I called Customer Service this morning XX/XX/XXXX and was told that the funds were already applied to my XXXX payment when in fact I have the transaction from my checking account showing I paid it. The customer service again asked my to forward him the email I sent on XX/XX/XXXX so he could send it to their finical department and told me it will take 48 to 72 hours to be reviewed. The Two-month mark of this issue is approaching and there has been no resolution to date and my family is out {$3400.00} due to BSI Financials negligence and poor customer service.
Product: Checking or savings account

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

Pick up truck was totaled in XXXX of 2019. Insurance paid vehicle in XXXX  2019.XXXX XXXX has not updated credit bureau.as of XX/XX/2019. XXXX  says I owe {$10000.00}, Transunion says {$440.00}, XXXX  says account is closed. Also XXXX XXXX has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not
Product: Mortgage

LoanCare is the worst imaginable loan service provider ; if you get them on the phone they keep transferring you from one department to another and none are able to justify why they charge you more. I do n't think is legal what they do and there 's a series of people that complain about them and nobody does a thing ... .what 's going on?
Product: Checking or savings account

My US bank account was closed by me late XX/XX/2021. I had overdraft protection on my account as well. US bank allowed a company to withdrawal money from my account after I had already closed it and continued to charge me overdraft fees on a closed account. I now have Debt collectors calling me non stop and sending letters to my home. I do not owe this debt.
Product: Student loan

I wanted to know if there were any recourse of action being a pervious Navient lender borrower since there were many who had the lender that received refunds due to Navient mishandling of their student loans. I wanted to know if my case qualifies for the refund. 

Thank you
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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX ; Account Name : 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 other adverse items 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

I have tried multiple time to contact TransUnion to left the freeze on my credit report and have yet to receive anyone to help. I have put my trust hoping that this issue would be resolved but now Im very concerned and worried that I am a victim of fraud and if there is someone that can actually help me figure this out. This freeze on my credit has ultimately put me further and further in debt and has prevented me from any unemployment or financial help! Pls pls help me
Product: Debt collection

I moved from XXXX XXXX XXXX in XXXX XXXX I contacted XXXX with VERY LIMITED STAFF finally got through to cancel my service effective XX/XX/XXXX. I had NO BALANCE AT THAT TIME. I will attach a copy of the lease for the place that we moved to at XXXX XXXX XXXX You need to contact the owner XXXX - the account was to DEFAULT back to him and he didnt rent for many months because I still have contact with him. THE OWNER IS RESPONSIBLE. PLEASE STOP ILLEGALLY PUTTING FALSE NEGATIVE BILLS ON EVERYONES ACCOUNT>>>> FIX IT >>>>> IMMEDIATELY!
Product: Debt collection

My complaint is the the debt collector keeps opening and then closing the account which continues to cause harm to my credit report. One month they will report the account as closed and then the next month they report it as open, this has gone on for several months and causes my score to drop everytime. This action is being taking without me doing anything on my end to trigger it. There are several reviews on XXXX from consumers complaining about the same thing. There is no reason why the account status should change from open to close from month to month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies TransUnion and XXXX has not sent me Validation for account on my report XXXX XXXX XXXX XXXX   Account # XXXX. On XXXX XXXX I sent out a letter for Validation of a account XXXX XXXX XXXX XXXX  on my credit report. XXXX XX/XX/2020 i send out a letter for validation in which they have 15 days to respond showing me how the account was Validated. On XX/XX/2020 i sent out a method of validation follow up with the bureaus and this account remains on my report and i have not received validation. XXXX could not validate the account and they have removed it from my credit report.
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 : Account # XXXX XXXX XXXX XXXX  : Account # XXXX, : XXXX XXXX XXXX  : Account # XXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # 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 a 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 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.