23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A company, XXXX XXXX XXXX XXXX put a charge on my credit card for {$200.00} the last four digits of the card # XXXX. This merchant did not swipe my card on a " XXXX XXXX XXXX '', but instead took a picture of the front and reverse side of the card. I never signed for the charge, and never received an email receipt for the transaction. 
Approximately, one week later the charge appeared on my account. The merchant who does not have a physical address, nor a valid phone number made a duplicate of my card and attempted to use or allegedly sold such information to others who saught to apply fraudulent charges to my account. The XXXX XXXX Florida Sheriff 's office told me this is a common practice. I should have never allowed them to take a photo of my credit card. 
This was reported to Citibank, which at first reversed the charge, but since has negated their decision. 
The bank states the merchant has supplied documentation confirming I participated in the transaction. How is that possible, I never signed anything.
Product: Debt collection

i don't need this collection on my credit report i try to work with and they said it was in collection so this is the third agency
Product: Checking or savings account

I opened a ( new ) joint Premier Savings Account at the HSBC Bank branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX on XX/XX/2018 in response to a special invitation/promotion. According to the terms of the promotion, HSBC would deposit {$750.00} into all new accounts if the new account holder would open the account with at least {$100000.00}. The {$750.00} deposit would be made by HSBC in " approximately 8 weeks of depositing a minimum of {$100000.00} into the new account by XX/XX/2018. We deposited {$170000.00} on XX/XX/2018 thereby meeting all the terms of the promotion. 
I should have received the {$750.00} by 8 weeks or by XX/XX/XXXX. I have not received the {$750.00} deposit as of XX/XX/2018. I called the bank 's customer service line at the end of XX/XX/2018 and on XX/XX/2018 and was only told that there was an issue with their system, and they were not helpful. I met with Mr. XXXX XXXX, the branch manager ( Tel : XXXX ) at the end of XX/XX/2018 when he assured me that I should see the deposit within a month. Since I did not see the deposit on my next bank statement, I called Mr. XXXX on XX/XX/2018 to inquire about the status of the deposit, he told me that there was an issue with their system and therefore he could not deposit the {$750.00} as I had requested.
Product: Mortgage

We are filing a complaint because our mortgage lender is Ocwen Loan Servicing and they have posted a sale date on our home less than 30 days from receiving a notice of such actions. We previously had filed a complaint against Ocwen for failure to apply all of our chapter XXXX bankruptcy payment disbursements. As a recap out of {$8300.00} in payments paid directly to Ocwen from the US Trustees office, only {$5100.00} has actually been applied to our loan. On XX/XX/XXXX, agent named XXXX ID # XXXX, advised us that since we filed the complaint with the CFPB, on XX/XX/XXXX, there had already been some adjustments made to our loan in the amount of {$150.00} on XX/XX/XXXX. The agent went on to say that there would be additional adjustments made and we would be notified once the problem had been fully addressed. To this date we have not heard anything further and out of nowhere we received a sale date notice dated for XX/XX/XXXX, indicating a date of sale XX/XX/XXXX. This is a violation to Tennessee foreclosure procedures law. The laws that govern Tennessee non-judicial foreclosures are found in Tennessee Code, Chapter 21 ( Proceedings in XXXX ), Part 8, 21-1-803 ( Foreclosure Sale ) The Foreclosing attorney for Ocwen which is, XXXX ( XXXX ) 1. XXXX has failed the following actions required by law : Prior to initiating a foreclosure the trustee or other party conducting the foreclosure must notice the borrower of the sale at least twenty ( 20 ) days before the sale and publish the notice of foreclosure sale for at least three ( 3 ) weeks in a newspaper of general circulation in the county in which the property is located. The first publication must be twenty ( 20 ) days prior to the sale date. If no newspaper is available the notice must be posted in at least five ( 5 ) public places, including the courthouse and the property being foreclosed at least thirty ( 30 ) days before the sale. 
Furthermore, since XX/XX/XXXX, my loan has been under review for modification assistance with confirmation of a full complete package as of XX/XX/XXXX. Ocwen is refusing to postpone the sale date and this is considered " dual Tracking '' a federally prohibited offense by mortgage servicers, explicitly Ocwen since the National mortgage settlement. Ocwen is attempting to strip all positive equity from my home and have ultimately forced our home into foreclosure by refusing review of my modification request package.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a bankruptcy reporting on my credit file that shouldnt be there. XXXX, Transunion and XXXX has not investigated this problem accurately. They did not physically check with the court house to verify bankruptcy. This bankruptcy was voided.
Product: Student loan

On XXXX XXXX, 2017 I made my monthly payment online. On XXXX XXXX, 2017 I called Navient Customer Service to pay off one of my three loans. I explained that I wanted to pay one of the loans in full and I am calling because I can not figure out how to pay it off online. She gave me the balance of my smallest loan {$320.00}, I said yes that is the one I want to pay off. I processed the payment out of my bank account. She gave me a confirmation number and told me congratulations on paying off the loan. In XXXX I logged on to pay my monthly payment. Only the two remaining loans were showing. Both loans said {$0.00} amount due. I did not make a payment. On XXXX XXXX, 2017 I logged on to pay my monthly payment. It now shows three loans again. I pulled my bank statement to confirm the payment of {$320.00} was deducted from my bank and it was. The payment history on Navient 's website shows the payment however it is applied to one of the larger loans and still says I owe for the smaller loan. On XXXX XXXX, 2017 I called Navient Customer Service and the agent said because it is a consolidated loan that the payment was applied to both loans. I explained that I indicated to the agent on XXXX XXXX that I wanted the payment allocated to the smallest loan. She said the agent on XXXX XXXX applied the payment correctly however a system error caused the problem. She assured me that she would reapply the payment to pay off the loan in full. She said there was a past due balance from XXXX. I wanted to know why, if they had applied the additional payment to both consolidated loans there would not have been a past due balance. I made a payment with her to become current. I asked to talk to a supervisor. The supervisor apologized if the agent gave me any incorrect information. She said there was not a system error and again assured me that the loan was paid off and I was current but could not explain why the loan was not paid off on XXXX XXXX. She transferred me to a Senior Supervisor who said that only a Supervisor could approve a loan payoff and the Customer Service agent did not get the approval from a Supervisor on XXXX XXXX. The Senior Supervisor could not tell me why the agent could not get the approval from the Supervisor. Navient never notified me that the loan pay off was not approved. Nor did they notify me that they were going to apply that payment to the two consolidated loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been initiating credit inquires without my consent. A vehicle sales contract was signed on XX/XX/year> and funding was secured with XXXX XXXX XXXX. XXXX expired on XX/XX/year> ; however, I have been actively working with lender. XXXX XXXX has advised that another credit pull would not be necessary to finalize loan once all conditional actions have been taken. 

I was in the dealership on XX/XX/year> and spoke with XXXX XXXX in the presence of a XXXX XXXX employee. It appears that the dealership is dissatisfied with XXXX XXXX decision to place application on hold. The dealership has since been taking improper action to apply for credit without my implied consent/authorization. There is a known active relationship with the lender. Additionally, no new loan documentation has been signed to authorize any of these requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report, which violates FCRA. The TRANSUNION Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Recieved notification on credit karma account about additional debt in collections. Investigating the debt I discovered the account was opened by someone who is not me, and accrued XXXX $ in debt before closing the account that was servicing two addresses after like 3 months. The account was through XXXX a utilities provider and they confirmed ive never had an account with them. The account was credit verified by XXXX with a mispelled name on the account, how it even managed to pass the check is beyond me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor has been reporting inaccurate information on all three of my credit reports. My scores has been dropping for months.I have asked debt of Education XXXX and all bureaus to provide me with information used to all theses alleged late payments to be posted FCRA 611 ( a ) ( 7 ) and neither companies has been able to do so within the last 120 days.I asked that these late payments to be removed immediately off my credit report.
Product: Debt collection

Was not notified properly about these erroneous accounts that have went into collections that appeared on my credit report. 

XXXX XXXX XXXX  XXXX - - XXXX XXXX XXXX XXXX - -
Product: Debt collection

Receiving many collection agencies of debts done in fraud n Identy theft one is with XXXX XXXX contract changed from time of sale with XXXX XXXX on a recall vehicle n claim settlement n reposed n paid on XXXX XXXX  48 months as agreed at time of sale n resold n a first premier of a card debt n now this unifin a debt collector of XXXX this is identity theft and fraud this began with financing a car from XXXX XXXX dealership then XXXX XXXXl financing company stating no service warranty n there was was two years and five year service warranty n copies of payments mailed r not my payments n fraud n contract was changed from 48 months to 72 months n a recall n settlement claim but repossess n auto theft n resold n I paid for it n claim settlement was with XXXX XXXX  to buy back n XXXX settlement to all owners but refused to release title this Unifin collection refuses to give any info on when n where this debt was done n fraud n identity theft
Product: Debt collection

Disputed with the company on XX/XX/18 the company received my debt validation letter by certified mail on XX/XX/18 as it shows certified mail. It is XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and there is no proof of response with verification of ownership nor contract with written signature with the company in which they could have sent certified back with tracking as their proof. There was no valid original documentation and no receipt from USPS of any correspondence. Therefore further measures will be enforced up to and including contacting the XXXX  and Attorney general to resolve this matter.
Product: Credit reporting or other personal consumer reports

I found billing mistakes related to late payments on my credit report, which dont reflect my regular payment habits. Please fix these errors and update my account.
Product: Mortgage

Wells Fargo LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX We started a short sale with Wells Fargo on XX/XX/XXXX. 

On XX/XX/XXXX we called Wells Fargo. The rep stated the re-entry team called homeowner on XX/XX/XXXX to perform a phone interview, which is required before they will do anything with this account. The homeowner did not answer the phone and Wells Fargo did not bother to leave a voicemail for them. -- -The homeowner had no idea that Wells Fargo needed anything. 

I tried to call the re-entry team, at XXXX. I was on hold for 30 minutes and call disconnected. No one answered. The homeowner would have been unable to call in, even if they had been asked to do so. 


Why is Wells Fargo refusing to communicate their requests to the homeowner? 


Why does the re-entry team just disconnect the call after waiting for 30 minutes?
Product: Checking or savings account

I bank with citizens and have done so for many years. My card was cloned and Money withdrawn. Citizens will not refund my money though it was reported in a timely manner and my employer provided proof that I was in a weekly meeting at the time of the transaction. I have never withdrew this much money from my bank especially not at a seedy gas station but still no refund or update. I requested proof of the investigation. I never received it and when I called back they started no one requested it.
Product: Credit card

I canceled a booking for a cruise on XX/XX/year> and requested a refund of XXXX pre-paid. I was told refund would be processed in 5 to 10 working days. It was not. I elevated a dispute which has not been resolved nor status if the investigation. Credit Card company has still not responded to multiple faxes of documentation confirming my canceled booking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXXXXXX XXXX XXXXXXXX # XXXX, anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 account without my written instructions.
Product: Credit reporting

We signed the house deed over to XXXX XXXX XXXX in XXXX 2015. The loan account is still showing open and is continuing to be reported as delinquent. We do not own this property any longer.
Product: Checking or savings account

Navy federal credit union closed my account due to overdraft on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$20000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making sure my personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleted from my file. I have things that are reporting on my credit file that were previously deleted by other CRAs but still being reported by EQUIFAX. Attached below will be proof that the things being reported on my profile have been DELETED BY OTHER CRAs but still being reported by EQUIFAX. on XX/XX/ i received an updated copy of my credit report showing XXXX were unable to fully verify accounts on my report. It was deleted immediately afterwards. Same with XXXX. But unfortunately, Equifax is still showing these accounts on my report. I NEED EQUIFAX TO UPDATE MY CREDIT REPORT WITH THOSE ITEMS REMOVED THAT WERE REMOVED FROM OTHER CREDIT REPORTING AGENCIES 15 U.S.C. 1681i 15 U.S.C. 1681i 15 U.S.C. 1681i
Product: Vehicle loan or lease

I bought this vehicle back in XX/XX/XXXX. It is now XXXX of XXXX. I was sold a lemon from XXXX XXXX. I only got to drive the vehicle two months out of the sixth that I owned it. It was repossessed and sold at auction at that time my loan amount was {$12000.00}. this loan is still open as if I still own the vehicle causing the equity amount of the loan to go up to {$17000.00} almost {$18000.00} from the interest and late payments. This is a fraudulent act due to the vehicle being sold at auction. This loan should have been closed and the amount after being repossessed and sold at auction shouldve been remaining balance. this is destroying my credit. I cant get anything including a new car or my first time homebuyer loan due to them still charging interest and late payments on a loan that should be closed out because the vehicle was repossessed and sold at auction. i want it off my credit before I decide to get my attorney involved, because what credit acceptance is doing is illegal.
Product: Credit reporting or other personal consumer reports

Experian have not updated my credit report nor have they updated my credit score. When someone Is trying to check my score to approve me for anything i keep getting denied due to experian having my credit score still at XXXX since XXXX XXXX. Its XX/XX/XXXX and experian have yet to up date my credit score. They are in violation of unfair credit reporting15 usc 1681.
Product: Credit reporting or other personal consumer reports

Account listed as written off and Ive asked for 1099 and never received. Second account is reporting an incorrect balance. Also, on the account they are reporting an inaccurate personal address which I have No recognition of.
Product: Debt collection

I began corresponding with XXXX XXXX a manager with National Credit Systems , Inc around XX/XX/2021. This is the time I became aware of a collection on my credit report for an apartment rental in XXXX, TX. The apartment was rented in my name when I lived in XXXX, California. 

I contacted National Credit Systems via telephone and Mr. XXXX returned my call. He emailed me a fraud affidavit to complete and return to him, which I did. On XX/XX/2021 he acknowledged receipt of the completed fraud package. On XX/XX/2021 Mr. XXXX advised me via email that the investigation could take up to 30 days to complete. After receiving another call from National Credit Systems regarding a payment for the debt, I again contacted Mr. XXXX via email asking why his agency was still contacting me for payment. He responded with an email on XX/XX/2021 stating that call was to inform you of the confirmation number for the credit removal. We processed the request for removal please refer to ( AUD # XXXX XXXX as confirmation. 

The collection item was removed from my XXXX  and XXXX  credit report but continues to be reported as accurate on my XXXX  credit report. I have disputed this item three times with XXXX  and every time the dispute has been completed as verified consumer debt. 

I reached out to Mr. XXXX on XX/XX/2021 via email informing him that XXXX  was still reporting this debt on my credit report. He responded on XX/XX/2021 asking for a copy of credit report that still shows the debt. I complied and emailed him a screenshot of the debt listed on my XXXX  report. Mr. XXXX has not responded since that date. I have emailed him several times since requesting an update on removing this item from my XXXX report. 

XXXX  has show no regard for my health and well-being. I have submitted to XXXX  the completed fraud affidavit and the email correspondence from Mr. XXXX but they have three times verified the debt as mine.
Product: Credit card or prepaid card

I paid for a plane ticket with my chime card and they did not send me my airplane information so I called chime to cancel the transaction and chime will not give me my money back I paid for it with XXXX that's who I did the plane ticket transaction with
Product: Credit reporting, credit repair services, or other personal consumer reports

several inquries Im unfamiliar with and collections I've reached out to every bureau also sent a 609 letter still same results no progress XXXX XXXX transunion
Product: Debt collection

Trying to now go after my employer for not garnishing my wages when they told them they do not give out that information without proof of a debt since that is sensitive information. 

Repeatedly ask for proof of debt and let time they sent out a piece of paper that looks like was made in word document with no proof of the original supposed debt. 

They are also trying to collect on a supposed medical bill thats XXXX XXXX XXXX.