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

Equifax ; XXXX and XXXX are reporting lates in XX/XX/18 and XX/XX/18 on the XXXX XXXX account number XXXX. ( Please see page 7 of the attached credit report. ) I traded this vehicle in to XXXX XXXX in XX/XX/18. I no longer have this vehicle so it would be impossible for me to have had late payments in XX/XX/XXXX and XX/XX/XXXX when the vehicle was traded-in XX/XX/XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Mortgage

1 ) I have sent multiple additional payments to USBank CLEARLY MARKED PRINCIPAL ONLY that were applied toward additional mortgage payments/interest against my clear and expressed wishes. I have spent numerous calls and hours with USBank, getting them to manually correct the problem, CFBP Complaint XXXX. USBank insisted I need to use their online payment system and that I can not send a check if I want to prevent this issue. I say it is illegal to cash a check CLEARLY MARKED PRINCIPAL ONLY and to use it to pay interest against my will. However, they changed their online tool to make it easier to make a principal-only payment and I was able to make it work, for a while. 

2 ) I made an additional PRINCIPAL ONLY PAYMENT OF {$6500.00} that was correctly applied to principal, using the USBank electronic system, HOWEVER AGAINST MY WISHES, USBank TOOK AN ADDITIONAL mortgage payment, {$2900.00}, AT THE SAME TIME ON XX/XX/XXXX, for a total od {$9400.00} that caused my checking account to go negative, CFBP Complaint XXXX and XXXX ( second complaint filed because it took me a while to figure out the problem ). 

3 ) I requested that USBank return the {$2900.00} unauthorized mortgage payment to my bank account ( XXXX  ). I did not hear any resolution from USBank, so I reached out to XXXX  about returning the {$2900.00}. They said that they could not return part of the single payment made on XX/XX/XXXX, but would have to return the entire {$9400.00}, to which I agreed. XXXX  credited me the amount back on XX/XX/XXXX, in advance of resolution with USBank, given my good customer status. 

4 ) On XXXX XXXX I received confirmation from XXXX  that the money was refunded, and I subsequently made another attempt an an additional PRINCIPAL ONLY payment of {$6000.00}, from my XXXX account directly since the USBank system does once again does not permit a simple principal only payment but instead links it to a mandatory additional mortgage/interest  payment. The payment was CLEARLY MARKED PRINCIPAL ONLY. However, once again, USBank applied {$2900.00} to a mortgage/interest payment, and the difference to PRINCIPAL ONLY, against my wishes 5 ) I called USBank once again to complain, and they stated they returned both the XXXX funds of {$9400.00} AND an additional {$2900.00}. However, my USBank payment history does not a ) reflect the refund to CHASE of XXXX nor the refund of XXXX, it only shows that I made the {$6000.00} PRINCIPAL ONLY payment, that they AGAINST MY WISHES applied they said I was late on my mortgage and they also charged me a late fee of {$96.00}. 

XXXX ) US Bank states they wired back to CHASE on XXXX, {$2900.00}, Par # XXXX, however it does not appear in my XXXX  account, and this is not recorded in my USBank payment history. USBank now says it's my responsibility to find where the money is and that I need to call XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed that there's XXXX closed account & XXXX inquires on my credit profile that i dont reconize & its false information that isnt mine & never gave written or verbal consent for TransUnion to furnish and its affecting my way of living due to non approval & defamation of character!
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCEWITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting information with actual knowledge of errors 15 U.S.C 1681 S-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.

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 INSTRUCTION 15 U.S.C 1681C ( A ) ( 5 ) - THIS SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THAN RECORDS OF COVICTIONSOF CRIMES WHICH ANTEDATE THE REPORT MORE THAN SEVEN YEARS 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY PLEASE REMOVE ALL PHONE NUMBERS AND ADDRESS FROM CREDIT REPORT
Product: Payday loan

Received a call from XXXX three times in a row. when I answered guy said he was with the city clerks office and that I was being sued. Told me to contact XXXX. So I did and a guy answered hello ... I asked if this was an attorneys office he said let me transfer you to litigation. Lady then tried to get me to pay an outrageous amount over the phone to settle out of court and said it was an ACE cash express loan. They tried to extort over {$1000.00} more than the debt is. When I called the XXXX number back it went to the city of XXXX but nobody knew anything about a call being placed from it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX Al XXXX place a false collection account of {$440.00} on my Experian, XXXX and XXXX File, this was disputed and removed under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. 

On XX/XX/year> XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX placed the same false account of {$440.00} on my credit files again. 

I have never opened or had any account with any of the companies listed above. 

This is a clear violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

This is to serve notice to the two companies and 3 credit bureaus whose false report on my credit file has lead to damage to my creditworthiness when applying for credit. 

I need these false accounts deleted off my credit profiles on all 3 bureaus.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX reopened a collection account that was closed last year I've received mail and my credit was dinged again because of it
Product: Credit reporting

There are XXXX Aliases that I do not recognize and I believe there are using my social security number for unknown reasons. The XXXX aliases are completely unknown to me. I am here to find out why there are variations of names on my credit report. My goal is to deteriorate any false information that appeared on my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax added an account they deleted XXXX XXXX  with notice which is violation of my fcra and also have done nothing to help me with all the ftc vilations
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Product: Credit card

US Bank XXXX XXXX XXXX Visa -- Bait and Switch advertising to get people sign up for the credit card. I was promised a free night with every reward booking, but the month after I signed up for the card and paid the annual fee, they took the benefit away.
Product: Debt collection

When I check XXXX XXXX XXXX website, I don't have any debt. I have paid all mount to XXXX XXXX, but I don't know where my debt comes from. Thanks, Best regards
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am attempting to complete the application process for the The COVID-19 Relief Pennsylvania Statewide Small Business Assistance program. I am following the guidelines but can not complete the requested link with PNC bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the XXXX, XXXX, XXXX 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 consist of a personal credit card and personal loan account opened at : XXXX XXXX  account opened on XX/XX/XXXX and has a balance of {$160.00} Account # XXXX In collections I have one account that are a result of Identity Theft. From the above mentioned account. This must be removed pursuant to FCRA 605B ( 15USC 1681c-2 ) and this account has been placed in collections and are showing on my credit report as closed.. This account has resulted in several fraudulent hard inquiries and fraudulent collections and closed accounts appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, closed accounts and hard inquiries as reported. The accounts, collections, closed accounts and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, closed accounts and hard inquiries are a result of identity theft and fraud, I have attached a copy of the FTC Identity Theft Criminal Complaint numbers ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I 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 theses practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never had a late payment with this company, its was a missing check thats didnt get to them on time but they finally received it
Product: Debt collection

call me about twice a day and i have asked if they would take a lower payment amount and they said they will have to take the full amount and cant make payments
Product: Payday loan, title loan, or personal loan

Hello! 

To whom this concerns, I applied for and received a loan in the amount of {$800.00} from " SpotLoan '', a financial agency located in North Dakota, on XX/XX/18. In doing so, I was sincerely unaware of their APR and other fees associated with this loan. To date, over {$1600.00} dollars has been collected from Spotloan, from my checking account, bi-weekly. I put a stop payment on my checking account, in an effort to assess just why SpotLoan had been collecting more than I had originally understood to be collected. In summation, more than ENTIRE AMOUNT BORROWED had been re-couped from SpotLoan. THAT in ITSELF would be unjust and unethical. I would like to assistance in handling this loan, and to see if CFPB would be willing to settle on my behalf. To me, collecting the same amount in interest as the original principal amount would fall under " unfair business practices ''. Thank you for any and all help. Please contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple Auto loan inquiries on my Credit report all dated on XX/XX/2022. I have reached out to the individual companies and was told to dispute this information with the CRA. I requested that the Equifax and the inquiry company provide proof of my instruction to allow several hard inquiries. I had to freeze my credit report when this initially happen.
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 XXXX XXXX   XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

I submitted an application to the California Mortgage Relief Program on XX/XX/XXXX for mortgage payment assistance. 

I spoke with a XXXX agent today, XX/XX/XXXX, and she said they have been waiting weeks for information from my mortgage servicer Select Portfolio Servicing ( SPS ) to complete the application. 

They are ready to pay the mortgage. SPS is ignoring their result and holding up the payment process. 

I sent a certified letter to SPS right after submitting the application. 
SPS is fully aware that I applied for mortgage assistance and had an excellent chance to be approved. 

Instead of responding to California Mortgage Relief 's request they filed to put my house for sale dated XX/XX/XXXX with a sale date of XX/XX/XXXX. 

I have received so many notices, calls and texts as a result of the SPS filing that is basically harassment from lenders, and real agents. 

Thank you for help with getting SPS to follow through with completing the process and saving my home from foreclosure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX confirm that I am owner and XXXX XXXX committed crimes and cash checks you mailed to him and are withholding from myself the owner as you reported as insured owner on XXXXXXXX  upon entering my last name, ZIP code XXXX and loan number XXXX. I got in by using my old phone number XXXX XXXX.
Product: Mortgage

AmeriHome Mortgage Company began servicing my loan XX/XX/XXXX, and for the most part have handled it OK. All of that changed starting XX/XX/XXXX as I sought to refinance my loan with a company called Total Quality Lending ( TQL ) XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX XXXX CA XXXX 

Although I did sign a disclosure that allowed TQL to order documents for the express purpose of managing my refi loan, I expected they would act diligently, with proper judgement at no cost to me, unless permitted otherwise. Low and behold, I was shocked to learn that AmeriHome had issued payoff statements to TQL 9 times over a 5 month period -- yes, I said 9! I later learned that AmeriHome charged me {$60.00} for each payoff statement, the maximum they are apparently allowed under Nevada law. At no time did AmeriHome consider that their customer -- me, would be highly concerned about these charges. Further, they never contacted me to let me know what was going on. I could have tolerated XXXX or XXXX charges, but XXXX is an egregious abuse of the fiduciary relationship that I entrusted them with. Sure, TQL could also have informed me of the continued charges racking up on my account, but their agent woefully didn't know any better, or was outright negligent! Never did he mention any fees for Payoff statements. Despite my efforts, TQL would not accept any responsibility for the charges totalling {$540.00} ( {$60.00} x 9 ), stating that AmeriHome was the entity that assessed me for each payoff statement and I would have to work with them for restitution. I wrote several letters to AmeriHome which I've uploaded to your site, requesting that at least 7 of the charges be waived and was promptly denied. Please safeguard account numbers and other personal info contained in them, as you've indicated in your directions. I also spoke to at least 10 different Customer Service reps and got the same response. Bottomline -- AmeriHome 's reckless actions, while complicit with TQL, caused me financial harm and emotional stress through this ordeal. I am asking CFPB to intercede on my behalf. Thank you in advance for your support! 
-- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I DECIDED TO TAKE APPROPRIATE STEPS AND HAVE THE BURUE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. FINALLY I CAME ACCROS THE CIVIL CODES FOR CONSUMERS AND PER FCRA 605 B IT CLEARLY STATES THAT THE FRAUDULENT ACCOUNT MUST BE REMOVED/BLOCKED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THE IDENTITY THEFT REPORT. I ACTUALLY GOT ON THE WEBIDE OF THE FAIR TRADE COMMISSION AND FOLLOWED STEP BY STEP. ONCE THE REPORT WAS COMPLETED I FINALYZED IT AND SUBMITTED THE REPORT TO EXPERIAN AND WHEN I CALLED EXPERIAN I WAS TOLD THATH THE FORM IS NOT COPLETED CORRECTLY. WELL I BELIVE THE CIVIL COURT IS HIFGER THEN EXPERIAN OR ANY OTHER FINANCIAL INSTITUTION, WHAT IS THE POINT OF HAVIN THE GOVERNMENT OR THE CIVIL COURT IF EXPERIAN IS THE ONE WHO DECIDES WHICH ACCOUNT TO BE REMOVED OR BLOCKED.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX, I purchased shoes and bags from two international sellers worth a total of {$490.00}. The sellers had different names and accounts at PayPal but it appears now as though it may be the same seller targeting US buyers. Upon receiving the items, I realized the items were not as described. The shoes I ordered were size XXXX and yet received size XXXX. The bag came without the link. I immediately reached out to sellers upon receipt of the items to notify them of the discrepancy. They both immediately apologized and offered to give me a discount on another item and I refused. I am not sure what a discount on another item would do for me if I have shoes sitting in my house that don't fit. They are useless to me and so is the bag. I insisted on returning the items back for a full refund of my money. The seller ( s ) completely ignored me and cut off communications with me after lengthy back and forth. 

On XX/XX/XXXX and XXXX, I filed complaints with PayPal and was asked to submit documentation which I did, including pictures of items I was supposed to receive versus what I got. I also provided an estimate of shipping costs of over {$800.00} by XXXX and almost {$600.00} by USPS if I were to pay the return shipping to get the items back to the seller because I really wanted them gone. It made no sense for me to take such financial liability for the sellers fault. It would be different if the items I got were what I ordered and I decided to send them back. This was not the case. After multiple phone calls with PayPal to inquire into status of my complaints, the customer service agents assured me that they will contact the seller and request return shipping label for me so that I can send the items back because I shouldn't have to be responsible for the sellers ' mistake. Yet, instead of that, PayPal denied my claims after that. 

On XX/XX/XXXX, I called PayPal and was advised that the claims will be appealed and they were reopened. Then PayPal again denied them. And when I called today to figure out what's going on, I was advised that " PayPal can not make the sellers send return shipping label if they don't want to ''. This made absolutely no sense that the buyer should pay several hundreds of dollars to ship items back to XXXX that were different from what they purchased. PayPal gets a cut of the business but leaves the buyers stranded. Perhaps, the XXXX sellers know the prohibitive cost of shipping the items back and also know that PayPal will not hold them accountable. So, it appears the US is a dumping ground? And why would PayPal facilitate that?