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

these hard inquiries are fraudulent and does not belong to me and need to be removed .Also nest as well.Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

. I've been dealing with a problem with Citibank, three credit cards. They closed all three without any notice, claiming that there has been no payment received since XXXX of XXXX. I found out today that they citi card have been trying to pull payments out of an account that Isn't ours, some Account ending in XXXX. Also they supposedly received a call from someone on XX/XX/XXXX claiming to be XXXX who changed the account number for automatic payment. I spoke with someone named XXXX in their executive office who offered to remove the return payment fees totaling just over XXXX. But not the interest fees. I told her it's not acceptable since it's their error, She just said too bad take it or leave it. All I want is to pay them what I owe minus the interest and fees
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. 

Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of a scam which has been identified and lawsuit filed by the FTC. Please see the letter I received from the FTC attorney below. The fraud was from Growth Cave also doing business under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( " XXXX '' ). The scheme was to offer services they did not provide and get victims to signup for a loan with their partner company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( " XXXX '' ) to pay for the service. The loan money went straight to XXXX XXXX and I was stuck with a loan and no service. 

The FTC has filed a lawsuit XXXX XXXX XXXXXXXX. 

Unfortunately, Experian and Transunion both have not removed this account XXXX. 

XXXX from FTC Attorney XXXX afternoon, I hope you are doing well. I am reaching out with an update on the XXXX XXXX matter. 

We recently filed a lawsuit against XXXX XXXX. You can read more about the case on our website here : FTC Takes Action to Stop Sprawling Growth Cave Business Opportunity and XXXX XXXX XXXX XXXX Federal Trade Commission We are still in the early stages of the lawsuit and so far we have obtained a temporary restraining order to stop Growth Caves bad business practices. Thank you so much for the time and effort you put into speaking with us and signing a declaration. We really appreciate your help putting together a strong case. 

We do hope to seek monetary relief from XXXX XXXX at a later stage of the lawsuit. We will provide more information when we reach that stage. In the meantime, please feel free to contact me with any questions. 

Best, XXXX XXXX. XXXX Attorney Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

I pulled my credit reports a few months ago. I noticed that this company reported some debt that does not belong to me. I have disputed this debt thru the credit bureaus and it came back as verified. I filed some identity theft reports with the FTC, I filed a fraud affidavit with this company and have emailed to their collection manager XXXX XXXX and I have yet to hear anything about this. I have also contacted the credit bureaus to put a security freeze on my reports as well. I also found out that this company has this on my credit report but this debt does not even match my social security number, my social security ends in XXXX they have it listed ending in XXXX. I have also noticed on my credit reports that it states XXXX is reported as a variation of my real social security number and this company is the cause of this. so how in the world its listed on my credit reports. This is my LAST STEP in getting this resolved and removed. My very next step is to file a lawsuit. I take my credit seriously and this matter has not been resolved yet and I am furious.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

I received three letters from a debt collector for a XXXX name XXXX XXXX in New York, who was charging XXXX  per visit ( {XXXX} total ). I called the debt collector to ask who this doctor is and they said they didnt have any more information other than what was listed on the notice i already received. They told me this doctor charged me for XXXX XXXX dates, when literally everything was shut down. They charged for an XXXX XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I never left my house from XX/XX/2020 until XXXX of 2020, when I moved and had to leave the house. I am also located in Texas. I have no explanation as to what this is, no breakdown of charges, and no paperwork from the doctor themselves explaining what this is. Its weird that I am getting random charges for those dates, almost 3 years later. This doctors office also didnt contact me or tell me they had a balance for me so I could ask them right then and there what it is for. They also didnt contact me to tell me it was being sent to collections either. Now im fighting with a debt collector because of the lack of communication and information from whoever this doctor is.
Product: Mortgage

I selected XXXXr XXXX  XXXX Benchmark Mortgage to finance my recent primary home purchase in North Carolina. After years of dealing with XXXX ( XXXX XXXX XXXX ), the XXXX at XXXX was fully aware with my frustration in having them as my mortgage lender. Their customer service rates an F with little to no support, waiting days for a return phone call, and months for an answer to a question submitted via the online channels they provided to me. 

So it was quite a shock when my loan closed on XX/XX/XXXX to have XXXXXXXX XXXX SELL my loan immediately to ... guess who ... XXXX XXXX. I received an email message first from XXXX XXXX last Thursday on XX/XX/XXXX ( before even my first payment ) without having received any notification from XXXX XXXX, until I right away reached out to them to ask WHY would you sell my loan to this lender of all lenders out there? They flippantly replied that it was already sold, too late, nothing could be done except to hope that XXXX XXXX chooses to re-sell my loan again at some undefined point in the future. 

How can a company do this without any input from the actual customer? Consumers should be given a choice of 2 - 3 potential lenders, and then we select with whom we wish to work for the next 30 years. At this point, my only option to avoid working with XXXX XXXX is to refinance the loan, which I will do as soon as feasibly possible. 

Mortgage lenders have no governance or oversight to their nefarious practices. WHen I select a company, I expect that company to provide the services NOT to have them instantly sell my debt to another company. This practice has to stop.
Product: Checking or savings account

I want my XXXX money XXXX dollars about 10 minutes ago taking my card and it's not the same card I just it's a brand new car to me and it's all just a bunch of XXXX I wanted them to transfer my rest of my funds to my other bank account and they can't even do that big deal you know what I want my money background fraud and I'll go big time to take him to court to him
Product: Credit reporting or other personal consumer reports

Delete hard inquiries listed on my credit report. These accounts were not authorized by me. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22
Product: Mortgage

My brother and I inherited a home with a VA mortgage. XXXX XXXX XXXX  advised that the loan had been sold to Carrington Mortgage Services LLC. I contacted Carrington to get requirements for assuming and or paying off the loan. Each time I have contacted the company I have been provided different requirements. Documents have been provided to Carrington showing that the mortgagee, XXXX XXXX, is deceased and that I, XXXX XXXX, am a declared heir. I have requested that the requirements be provided in writing. I have been told the information will be mailed and emailed to me. I have not received any written correspondence from Carrington. Additionally when I call the servicing associates refuse to review the documents received to determine if they have the required information. When I ask to speak to a supervisor I am told that a supervisor is not available.

The Carrington loan number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting to XXXX that I still owe their company {$5000.00} on a student loan that was consolidated and transferred to XXXX XXXX. I have tried to fix this error with Navient numerious of times. This is a violation of the FCRA federal law. The balance owed should be reporting as a zero balance.
Product: Credit card

On XXXX. XXXX I received an authorization from JC Penney 's, XXXX, for a reselection of a new mattress, due to our being found to be defective. This process started in XXXX of XXXX. 

We were to reselect a new mattress, pay for this transaction and receive a refund of our defective mattress after they picked it up. We purchased the new mattress and it was delivered on XXXX XXXX, XXXX. Our defective mattress was picked up at the same time. 

The original purchased occurred on XXXX XXXX, XXXX and was placed on a JCP credit account I opened on that day. During the reselect, I informed JCP that I had closed my account in XXXX and was told they would send a check once they issued the credit and discovered I no longer had an account. JCP issued a credit to the original account, now handled by Synchrony Financial , Bank, previously GE Financial. The original account was closed by GE in XXXX XXXX, due to some sort of fraud, at which time they issued a new account. I paid off this account and asked for it to be closed on XXXX XXXX, XXXX. 

I have spent hours talking with representatives and supervisors at both JCP and Synchrony Financial, who confirmed that JCP issued me a refund of {$2600.00}, on XXXX XXXX. This credit went to the original account, which had been closed due to fraud because that is where the purchase originated. On XXXX XXXX, XXXX, I spent almost two hours speaking to four different people including two supervisors, one in fraud and one in credit, at Synchrony Financial. The money is still sitting in the original account and they refuse to release it to me. I have provided all info they requested and yet they tell me they are still trying to figure it out. 

The original reselect email sent by JCP states, " Once the defective merchandise is checked into our warehouse your credit process begins. It usually takes approximately 3-5 business days to post to your account.
Product: Debt collection

XXXX is sideing with a XXXX XXXX XXXX. And another company to charge an amount it's not the right one or a contract that I was never in. I made a complaint about 3 companies that are taking advantage of me in the original complaint I ask for signed contracts but they did provide one the other company is claiming that I owe money for a different amount but again there aren't any prove of annual contracts or any other papers there is a claimed for emergency services of the local hospital but I have two insurance that takes care about any medical balance but again XXXX is sideing with this company but there provide any papers signed I believe thi is fraud helped by XXXX
Product: Checking or savings account

I am a XXXX United States citizen and Wells Fargo bank continue to tell me that I owe them {$290.00} cents for over draft fees in which I never authorized them to sign me up for over draft protection and I have told them on numerous occasions that I don't even know how to use online banking and I never authorized Wells Fargo bank to sign me up for anything without my permission. But after going on 3years they didn't say anything about me having to pay any fees in which I should have been informed about all these hidden fees but even now Wells Fargo bank and it's bankers played along with them and are getting paid big money just to stay silent and the bankers and Wells Fargo bankers know what Wells Fargo bank executives are doing and are afraid that they will loose their jobs if the these bankers don't do what their superior tell them to do. And Wells Fargo bank has taken advantage of these consumers by forging people names on documents without the consumers authorization and knowledge. I have tried to let this institution know that I have not given them any permission to sign up for for anything without my consent. Now it's obvious now how Wells Fargo bank has been sued not only for taking advantage of people that are XXXX and Wells Fargo bank has been sued for discrimination as well. But in these days in time and are in a pandemic they are getting money just to feed their families and loved ones. By holding and opening up fake accounts and taking money with out the consumers consent and permission. And I have tried to get the information on what was in my savings account and they the bankers want to tell me hold on I will let you talk to my supervisor and and waiting on the phone just to seek out the truth about what is going on with my account. And the results has been click I have been hung up on by this financial institution and now they Wells Fargo bank wants me to give them my debit card number and my account number if I did that this is how they would justify that I have gave them authorization to charge me that {$290.00}
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, and I am writing this statement on my behalf. Per 15 USC Code 1681S-2 ( a ) ( 1 ) ( a ( & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. Per the US Codes provided, they summarize that it is NON-PERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes identity theft. As a federally protected consumer, I am demanding the deletion and removal of ALL the listed accounts immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Navy Federal Credit Union for discriminatory banking practices. Recently, I attempted to deposit a legitimate settlement check at Navy Federal, but my transaction was wrongfully denied. The check was flagged as fraudulent due to its large amount, and when I contacted the bank for clarification, I was informed that I would need to present the check in person. 

During the call, the bank representative admitted that the check had not even been verified before being rejected. This raises serious concerns about the fairness and consistency of Navy Federals verification process. Given that no proper validation occurred, I strongly believe this decision was influenced by racial bias. 

I am seeking an investigation into this matter, as well as a review of Navy Federals policies to ensure they are applied fairly and without discrimination. No customer should be subjected to unfair treatment based on race, and financial institutions must be held accountable for such practices.

Please let me know the next steps in the complaint process and any additional information you may need from me. I appreciate your time and attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account name XXXX consumer acct number # XXXX XXXX XXXX XXXX acct number # XXXX has violated my rights. 
15 USC SECTION 602 states i have the right to privacy.

15 usc 1681 section604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 usc 1666b : a creditor mat not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

SLS - Specialized Loan Servicing We have varied " to bring our loan current statements ''. 
The amount goes up and down for no apparent reason. 

Statement on XXXX is {$250000.00} attached Statement on XXXX is {$240000.00} with past due amt {$240000.00} attached Statement on XXXX is {$240000.00} with past due amt {$230000.00} attached Statement on XXXX is {$240000.00} with past due amt {$240000.00} attached These variations are completely unreasonable, without any explanation. and make no sense. This is most unfair to us. We have not received an itemized charge sheet as we requested in a qwr in XXXX XXXX. We get the run around when we try to talk to anyone about this. I am sending this complaint and will follow up with a lawsuit. How can we bring our arrears current? This is beyond unfair to consumers!
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX Regarding 1099 Form Request and Reporting Issue Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX ( Account Number : XXXX XXXX ). I previously sent a letter to the company requesting a 1099 form, as this account is being reported as a charge-off on my credit file, and I need the 1099 to file my taxes. Despite this request, I have received no response from the company. 

This lack of response is causing me financial harm, and I believe this situation may be fraudulent. The 1099 form is my right, and I am entitled to receive it. I have given the company ample time to respond, but they have failed to do so. I am requesting that the tradeline be removed from my credit report within 13 business days. If the company fails to meet this request, I will report them to the IRS and take legal action for damages.

Please assist me in resolving this matter promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed my XXXX Bank credit card account and they refuse to send the updated information correctly. I disputed with them twice and they just send back thats its verified. How can it be verified as closed when the account is still reporting to two of the credit bureaus as open. The only that that ever updates is remarks added to account and they state the information is up to date when its obvious that isnt.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I request that the accounts and inquiries listed below be blocked and deleted from my credit report in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$7000.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$4500.00} XXXX. XXXX XXXX XXXX XXXX  XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$6500.00} Inquiries to Be Investigated and Removed : XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX of XXXX : XX/XX/XXXX XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  o Date of XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

I made a claim regarding capital one and they responded and ask me for my information when I tried to contact them they didnt answer the call I mail the information to them as well and they still didnt respond or help me with my issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Transunion received my dispute letter and it shows it was delivered certified on XX/XX/2020. My tracking number was XXXX. 

XXXX I called to Transunion and they could not locate my dispute letter that was delivered on XX/XX/2020. I spoke to several people and to try to get my inaccurate information removed. I also mentioned to them I can not get refunded for my certified mail due it showed delivered to Transunion. 

XXXX I called Transunion again because my inaccurate information is still showing on there credit report. I spoke to 3 people and was left on hold numerous of times. They refuse to remove the inaccurate information on my credit profile.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to the deposit my direct deposit from my employer and any other incoming deposits. Capitol One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.