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

On XX/XX/2018 I requested information on how and why my dispute was denied. I never got a response back after several more attempts to get the information. On XX/XX/2018 I called Experian again and the supervisor named XXXX said Experian the credit reporting agency will not send me a written notice that includes the name address and phone number of the information provider, clearly violating my rights under the FTC. I even explained this to her but she still refused to give me this information.
Product: Checking or savings account

My account was hacked through the Navy Federal associated XXXX account on XX/XX/2020, the hacker attached an email & transferred {$980.00} from my checking account to his email, I gave them the hacker email address. I called bank same day and was told not to stop transaction ( I had ability to stop payment with their XXXX account ) I was told to let payment post & on 2nd call, I was told the payment was stopped, I later found it it wasn't. Navy Federal said because my device was hacked and that's how the transaction happened their not responsible but I could've stopped the payment twice but their agent told me not to & 2nd agent said it was stopped. Please assist me with getting my {$980.00} back because of Electronic Transfer Funds Act & the Bank 's incompetence, telling me not to stop payment. Thanks XXXX XXXX
Product: Debt collection

I have received several phone calls a day from Comenity Bank. As of XX/XX/22 I receive a minimum of 5 phone calls a day. They range from 3 - 10 minutes apart. to a couple of hours later. When I do answer the phone to state they need to stop calling so much ( especially since it's everyday I receive the XXXX phone calls ) they automatically hang up on me. 

XX/XX/22 - XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The list goes on and on
Product: Credit reporting, credit repair services, or other personal consumer reports

I n 2001,   XXXX   XXXX   XXXX  issued to me a  XXXX  ending in   XXXX    XXXX .  <P/> Their 30-day late payment notice is still on my credit report.  <P/> I believe the statute of limitations has passed.  <P/> So I have tried to have this late payment removed. My lawyers have also filed numerous credit bureau appeals.  XXXX    XXXX   and their new credit card department in  XXXX   XXXX  (  XXXX  was acquired by  XXXX  ) refuse to remove this damaging statement from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently living in XXXX XXXX and on several occasions, I have requested a credit report from all three credit reporting companies. Since my address is overseas, the credit reporting agencies will not change my address from the old XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX. My current address is XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Can you require all three agencies to send the credit report requested to the XXXX residence above? If you required, I will provide you with my SSN Thank You XXXX XXXX XXXX
Product: Checking or savings account

I closed my accounts XXXX XXXX I know I had more money than XXXX $ in my accounts
Product: Mortgage

My mortgage company Flagstar has illegally withdrawn close to {$10000.00} from my bank account in the last 4 months, has mismanaged by loan and lost sensitive paperwork pertaining to my account access, has refused to acknowledge legal, signed paperwork and refuses to fully refund me. Counting the legit mortgage payments and the illegal withdrawals Flagstar made from my bank account in the last XXXX months, I am now missing nearly {$18000.00} and have nothing left in my bank account. XXXX since I bought my house 2 years ago, I 've tried to add my wife as an authorized user on the mortgage account multiple times. This requires a notarized faxed form. We have filed it multiple times to Flagstar 's " research '' department with confirmation of receipt, and even called and received verbal authorization that my wife is a user on the account. Yet, sometimes we have a problem with our mortgage, my wife is still barred from accessing the account and the agent will tell her they have no record of her information. How can my wife 's personal information, like her SS number, only " sometimes '' be recorded on the account? There is clearly a major mismanagement of paperwork. XXXX, this XXXX, we filed a form to make a XXXX mortgage payment. We had clearly checked the box indicating it was a " principle '' only payment. Despite our signatures on the paper, XXXX decided that my wife and I " must have made a mistake '' and overrode our directions to file the XXXX payment as a regular mortgage payment. We received no notification this had happened and happened to notice it on a later statement. Getting this reversed took an hour long phone conversation. Our XXXX problem came when we elected to pay biweekly payments rather than a single monthly payment. The paperwork was filed and the biweekly payments began, and we received verbal confirmation that the full monthly payment debit from our bank account was cancelled. We were told that due to the XXXX up with the XXXX principle-only payment in XXXX, we 'd have to make a few " catch-up '' full payments, so we were expecting a few extra deductions. After XXXX months and suddenly realizing there was no money in any of our bank accounts, we pulled our bank records and realized that Flagstar has taken as many as XXXX MORTGAGE PAYMENTS some months, XXXX biweekly and full monthly payments, resulting in the unauthorized removal of thousands of dollars from our bank account. In XXXX months, a total of $ XXXX has been removed. We called and Flagstar immediately told my wife again she was not authorized to access the account and they had no record of her. Flagstar now is refusing to process me a full refund of the nearly {$10000.00} citing " regulatory reasons '' - despite the fact I now have no money in my bank account. Counting the legit mortgage payments and the illegal withdrawals, I am now missing {$18000.00} in XXXX months. This is utterly outrageous and a clear sign of a bank that needs a lot more regulatory oversight than it currently has.
Product: Debt collection

Spring Oaks Capital sent me a letter stating that I had 30 days to dispute a debt with their company. I sent a debt validation letter within the 30-day time frame and Spring Oaks did not submit proper verification. I was not sent an original contract or any documents bearing my signature that prove the debt is owed by me. Spring Oaks also marked on my credit reports that this dispute has been resolved. This dispute is not resolved. This dispute will not be resolved until Spring Oaks removes this collection from my credit account. Spring Oaks has violated the Fair Credit Reporting Act by reporting a debt to the credit bureaus that I do not owe.
Product: Money transfer, virtual currency, or money service

In XXXX of sometime, I had my ex girlfriend my account number and login. She changed my password without asking. I found that my ex ( XXXX XXXX ) and my cousin ( XXXX XXXX ). Had been sending money to my account and changing my password. To hack my account! They sent {$1000.00} to my account sometime in XXXX. I never realized that the account they have set up to send the money was a fraud to rob me of money. In XXXX they sent me {$1000.00} to send back to them from XXXX. The bank and I set the transaction as fraud, sometime in XXXX. I have had sent the only {$1000.00} to my account to send to there account in XXXX XXXX. The {$1000.00} went threw, and the bank had overdrawn my account from the XXXX payment that was two separate {$1000.00} transactions, that the total of {$2000.00} was never in my account and was set as fraud In my account was withdrawn from my account of a total of {$2000.00} from the XXXX transaction that was withdrawn of an overdraw of the {$2000.00} from my account that was already marked as fraud was still withdrawn. No other bank ever or can withdraw any money that is not there at all, can withdraw any money from an account. There names are and we're not on my account.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I spoke with a supervisor by the name of XXXX XXXX at approximately XXXX PST about my account. I asked XXXX why was my main payment of {$450.00} going straight to interest and not XXXX XXXX going to principal, while the second payment I submitted went all to principal due to not having this issue in previous months. I told her when I have contacted customer support in the past about sending an additional payment, they stated the first payment would be distributed between principal and interest while the second payment would all go towards principal and there wouldn't be any penalties for sending a second payment. She could not give me a definitive answer, stated the company 's system was new and that's how it worked the payments. I also inquired about the due dates being wrong. I was told due to sending an additional payment each month it would register on the company 's site that I paid the following month. She stated that my next due date was XX/XX/XXXX, and not XX/XX/XXXX. I asked her if she was sure to which she replied " yes '' I stated I have called customer service in the past and they stated even though the due date shows a different month than the following month, my payments are due EVERY MONTH on the XXXX. I asked why they haven't fixed this issue due to showing false due dates and explanation of amount due, to which she answered, " our company is currently working on it ''. 
On XX/XX/XXXX, I again sent XXXX ( XXXX ) payments. XXXX payment of {$450.00} went to interest, and my second payment of {$450.00} was distributed between principal and interest. {$380.00} went to principal and {$77.00} went to interest. I called on XX/XX/XXXX, at approximately XXXX XXXX and spoke to a XXXX and asked why my second payment didn't go all to principal and she stated my payment was received on XX/XX/XXXX. I stated to her I submitted my payments on XX/XX/XXXX, at approximately XXXX PST and had email confirmations to prove it. She stated their system had my payments processed on XX/XX/XXXX. I asked to speak to a supervisor, to which she replied she would write it down on my account and that a supervisor would call me back. As of XX/XX/XXXX, I have yet to speak with any supervisor from Slice By FNBO.
Product: Credit reporting or other personal consumer reports

XX/XX/24 Freedoms Mortage Violates 15 usc 1681a2 Comsumer didn't give written permission to have the company to reported any information to the CRA. The Freedom Mortage isnt the Original Creditor. Im requesting that Freedom Mortage remove any late payment and or provided me a copy of the original seller contract signature by the consumer when this property was purchased stated I gave them permission to report to the Credit Bureau.
Product: Credit reporting or other personal consumer reports

On my XXXX credit bureaus, it is showing XXXX hard inquiries that were NOT AUTHORIZED to be pulled. It is showing, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. I have called, and emailed XXXX, Equifax, and XXXX and still nothing till this day XX/XX/XXXX has been resolved.
Product: Bank account or service

On XXXX XXXX, XXXX I deposited a check into my Bank Of America checking account from my ex husband XXXX XXXX for {$2500.00}. It was for court ordered alimony & child support payment for XXXX due on XXXX/XXXX/XXXX ( it 's dated XXXX/XXXX/XXXX idk why ). The check is written out on a Bank of America checking account. It cleared and no problem. XXXX XXXX XXXX I received a call that a check I wrote to my accountant had bounced. After further investigation I found that XXXX had put a stop payment on the check and they deducted from my account 45 days later. I 'm questioning the legality of this action. There must be some kind or rules as to limitations of stop payments can be made. I encountered not only embarrassment from this action but bank & other associated fees due to this action. I want to know if this is legal or not? I have filed a complaint with the bank with no success or answer to my question.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX I ordered from company XXXX XXXX website XXXX XXXX XXXX XXXX some reloading stuff, I payed via PayPal {$230.00} , I got email confirmation that my order will be delivered soon, then guys just disappeared, contact phone number shown on their website is not working, they don't reply to emails, chat service on their website is not working. I would like to get my money back, please assist if it is possible or please advise what should I do. 
I try to get refund via PayPal but had no success.
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.
Product: Checking or savings account

XX/XX/XXXX I received a letter from Senior Vice President XXXX XXXX. Regarding my complaints that I had submitted to the Consumer Financial Protection Bureau ( CFPB ). I did speak with XXXX XXXX regarding my credit card issues and also my credit score. Like I stayed in my LAST complaint. I had spoken with XXXX regarding a small loan and also to consolidate all of my debt including credit card before it was closed to a charge off. I clearly told XXXX XXXX I wanted to go ahead and pay on my balance. The credit union knowingly knew I was a 10 month employee per the original contract. So during the months of XX/XX/XXXX and XX/XX/XXXX I am temporarily unemployed. I have spoken abt this issue more than once. XXXX XXXX may have put notations in the system for internal employees. But what Im addressing is the fact that she did NOT reply to none of my emails except for the email that I demanded her to respond. I also received a call yesterday regarding my car payment which I have never been late until recently after I had submitted a complaint to the CFPB. I made it very clear that I was a 10 month employee with the credit union. The credit union did not take a payment out for the month of XX/XX/XXXX. Which me being a 10 month employee Im not supposed to have a car payment for those two months. I have been In contact with the credit union constantly since XX/XX/XXXX. I spoke with them regarding my vehicle, credit card etc. I spoke with a branch employee earlier this month I was not notified until the XX/XX/XXXX that a payment wasnt made. So now all of a sudden they have that Im a 12 month employee which is not correct. Everything that has been done is retaliation for me complaining to CFPB. The State Employee Credit Union is saying its there procedures to close someones account when they have suffered a loss. But I have been in constant communication with the credit union I stated more than once I had no intentions of not trying to pay off my debt. I also stated that I wanted to consolidate all of my debt into one payment!! This was before my credit card was a charge off. They have been lying to cover there end. I will not stand to be bullied from this financial institution. I have all of the paper work to back up everything that I am saying. And also a witness who went to the credit union with me trying to consolidate all of my debt. XXXX XXXX and also the other branch workers has been very difficult to work with. I have hired a lawyer and I intend to fight this in court!
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me, I have contacted my police department and they have advised me that I file this report, the accounts in question are as follows : XXXX ) XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX ) Collection Management- XXXX {$1400.00} XX/XX/XXXX I have included my license and social, please verify any account that does not have my name and remove.
Product: Mortgage

I sent my mortgage payment for XXXX, XXXX and XXXX ( {$970.00} ) on the first of each month. Loandepot returned my payment and demanding that I pay the {$1200.00} in question. This is not fair or legal. They need to check their records. Now they have sent me foreclosure papers. This company is a greedy for more and more money ignoring the rights of the consumer. I want this case resolved the correct way. Have Loandepot to submit the mortgage history of my mortgage loan and you will discover they paid the annual insurance twice in one year. This denial is costing me undue stress and mental anguish. I will not accept their version of what the payments should, because they are incorrect and fraudulent in this practices. Ask for the Mortgage history of my account and the escrow transaction.
Product: Debt collection

Contacted by portfolio recovery associates , LLC on date of XX/XX/year> for debt owed to original creditor XXXX XXXXXXXX XXXX XXXX  balance of XXXX. Debt is over 7 years old a the company of portfolio recovery is a third party collector that had purchased the debt. Contact is unavoidable. Due to my legal standpoint this should be disputed. It is a FDCPA violation
Product: Credit reporting or other personal consumer reports

Experian has my FICO score real low for all three credit companies my score through them is in the XXXX and XXXX and XXXX are saying my score is XXXX I called Experian today XXXX and the first lady told me I had to talk to the dispute office after I talked to them he transferred me back to member service I asked for a supervisor and she told me to shut up while she talking wouldn't allow me to explain what I was talking about she didn't want to her nothing I said I told her to cancel my membership because she was taking nasty to me and I did get mad and said something back to her cause she going to say to me they FICO by your FICO score they make decisions off different reasons like I don't know how the FICO score works I just need my scores to be where they supposed to be so I can handle everything I need to do this is very frustrating because it looks like I didn't fix my credit please I really need it fix thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has furnished inaccurate information on my credit report. I have not received the details of the investigative report with interviews from family and friends 15 USC 1681a ( e ). Information on my credit report must be 100 % accurate. Furnishing information that I have reported as inaccurate is willfully and knowingly doing so and violates FCRA requirements. Having inaccurate names and addresses puts me at risk for identity theft and financial harm. I did not give written consent to Equifax to furnish anything on my credit report 15 USC 1681 ( a ) ( 2 ). This is defaming me as my credit report represents my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. 


The Bankruptcy Court has mailed me letters which states that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and or confirm public records. It is the credit reporting agencies. and/or other third-party providers who collects information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. District Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 


My request to the U. S. District Courts confirmed LexisNexis has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer. and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANENTLY DELETED from my credit report immediately.
Product: Checking or savings account

On XX/XX/23, funds were transferred into my account from an unknown external account ( $ XXXX ). A transfer of {$2500.00} was then transferred out to an unknown external account. Neither of these transactions were initiated by me. On XXXX, I received an email from an unknown person claiming they were the ones who transferred money into my account and asking for a reply if I wanted to be a part of their plan to get more money. On XXXX USAA determined no fraudulent activity was found and because of this, my account is in bad standing and they now get to profit off this. I have no idea how my accounts were approved to be added to an external account or how the determination was made that this was somehow my problem. USAA has failed to support its member when fraud is involved.
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. 

Account : XXXX XXXX XXXX # : XXXX Account : XXXX XXXX XXXX XXXX XXXXXXXX # : XXXX Account : XXXX XXXX Acc # : 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 state : no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 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

Atnt constantly post an old sold off debt for the amount of XXXX to my credit knowing full well that it has been paid multiple times and refuses to correct the issue even WITH proof of payment and I need this fixed immediately as they have sold this debt off multiple times and receive payment for it multiple times it is damaging my credit terribly and they refuse to correct it and I want something done now I have my own legal help as well and Im suing because of this matter