23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I just received a credit report for identity theft and there is 2 commonwealth financial systems on my report for a total of {$1100.00}. Dor the past two months. Now I have not been to the hospital in years. Its either someone using my identity or this is fraud.
Product: Mortgage

On or about XX/XX/2021, I applied with Network Capital financing Corp. for refinancing my property at XXXX XXXX XXXX XXXX, Ca. XXXX. 
After submitting all necessary applications, documentation, and tax returns, I was approved. This loan was then bought by XXXXXXXX XXXX XXXX XXXXXX/XX/2021. I continued to make my monthly payments according to the loan agreement. 
Last month, the loan went back to Network Capital Funding Corp. I was instructed to make payments to them, which I have been doing since. 
A few months ago, Network Capital contacted me and wanted more financial documentation, such as personal and business 2021 tax returns. I was reluctant and confused about the reason for this request, but I complied and sent the tax returns. 
During the last month, I have been contacted on multiple occasions by different people from Network Capital, insisting that I need to refinance again because they got audited by the government, and because they failed to follow certain guidelines, the loan was kicked back to them.

I was told that the property would be foreclosed if I didn't agree with refinancing.

I have submitted all necessary documentation for this loan. If Network Capital fails to abide by the government 's guidelines, it is their problem .it seems they want to refinance with a higher interest rate, so the loan is more profitable.
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 insufficient 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 these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX and Trans Union to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.
Product: Credit reporting or other personal consumer reports

I contacted the companies and the credit reporting agencies and informed them both that these inquiries were unauthorized and to remove them from report do to the FCRA making it illegal to keep these unauthorized inquiries on my account especially when I informed them that they were unauthorized. Inquiries : ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX ) XXXX ) transunion )
Product: Checking or savings account

I need a letter documenting that a refund from XXXX on XX/XX/XXXX was returned to them because the debit mastercard was closed. XXXX issued a refund on XX/XX/XXXX which posted XX/XX/XXXX for {$1100.00} for a cancelled flight. The transaction details for the refund are : ARN XXXX, TX XXXX. Wells Fargo acknowledged receipt of the refund in a telephone call to the claims department dated XX/XX/XXXX and denied a request to dispute the original charge from XXXX XXXX XX/XX/XXXX ) because a refund had already been issued. 

However, I have not received a cent for this refund and am concerned the funds could have been misplaced by Wells Fargo, or that a refund to XXXX was lost. Please issue an official letter documenting that the refund from XXXX was returned to XXXX because the debit card was closed.
Product: Checking or savings account

This is absolutely ridiculous with the account type I have I was told checks are free I called customer service to order they give me a hard time and want to charge me they claim that Im supposed to be charged such misleading information and online it says beyond checking is free checks even at the branch I was told I can order by phone they refuse and want to transfer me to XXXX XXXX I dont understand them I want {$50.00} for the inconvenience they caused me and lack of proper information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) that you XXXX XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity, theft, and fraud within four business days of you receiving this complaint this fraudulent and inaccurate and false information consist of a personal credit line opened at XXXX XXXX in XXXX another XXXX XXXX  account open in XXXX these accounts has resulted in several fraudulent, hard inquiries and fraudulent collections appear on my consumer credit report I have attached a copy of FTC identity of criminal complaint # XXXX As proof from the US Federal trade commission that all of the aforementioned consumer, credit accounts, collections and hard inquiries are the result of identity, theft, and fraud.
Product: Debt or credit management

Portfolio recovery associates XXXX on my credit report. I contacted them to tell them i wanted to pay my credit card off which was {$510.00}. I asked them could it be deleted off my credit report as if it was never there and not just reflect paid in full and they said yes. They sent me a letter stating that if I paid the full balance off they would remove it from my credit report from all three bureau 's. They told me that I had to wait XXXX days from the last payment made, Which I made the last payments on XX/XX/XXXX. Today is XX/XX/XXXX and it is still on my credit report. I have the letter From the email that I will attach. I have called portfolio recovery associates And they stated that they put in the Request for the trade line to be deleted from all three bureau 's. I waited XXXX weeks to see if it would be removed and it is still there.. I contacted experian and they stated that they have not received a request to remove that trade line..
Product: Credit reporting or other personal consumer reports

The company responded that they could not find an inquiry attached is a copy of them on my credit report
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  my XXXX XXXX credit card was closed at the company discretion. Since then this company has reported inaccurate information on my credit report. On XXXX XXXX credit report it is reporting that my account is open, when I fact it has beeen closed for months. Also it is reporting that my last payment was XX/XX/XXXX, but at the same time reporting that I missed XXXX payment and was 30 days late, while reporting that the last report date is XX/XX/2024. All while this account is closed. On XXXX its reporting that it last reported XX/XX/2024. It also shows no payment history whatsoever, states a different balance and that my status is current with no late payments, but also still reports as open. On experian it reports that last report date is XX/XX/XXXX, that I am current with no missed payments, but that my last payment was XX/XX/XXXX and that the account is still open. Also with a different balance. This has had a negative effect on my credit report due this credit card inaccurate reports.
Product: Credit reporting or other personal consumer reports

I ALLOWED A NEW OFFICE TO PREPARE MY TAX RETURN AND WAS ADVISED THAT MY INFORMATION WAS LOST DURING A RELOCATION. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I ALSO SEEN THAT SOMEONE HAS BEEN ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME WITH CREDITORS SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOT AUTHORIZED THESE TRANSACTIONS I'VE CONTACTED THE CREDIT BUREAUS NOTIFYING THEM OF THESE ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERFIABLE.

FURNISHING INFORMATION WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

Its two accounts showing on XXXX XXXX and Equifax! I demand deletion today
Product: Student loan

Mohela has, at every point, mishandled my federal student loans. I submitted my application for an income-driven repayment plan in XXXX XXXX ; it remained " pending '' for six months, and Mohela -- seeing the status -- still elected to put me in a different repayment plan where my monthly payment is {$2500.00}. I had set up an automatic payment in XXXX for {$100.00}, to pay on interest while my application was pending. Mohela used that information to push through a {$2500.00} withdrawal- which I did NOT authorize. I had to call on XXXX, spoke with XXXX and XXXX, to finally be approved and set on a repayment plan. However, while this was processing, my account was put into " payment forbearance. '' The same issue happened ( {$2500.00} attempted payment ) in XXXX, so I called again on XX/XX/scrub>XXXX and spoke with XXXX who informed me that, until Mohela voids the erroneous information that I'm behind by {$2500.00}, Mohela will CONTINUE to attempt to hit my account for {$2500.00} - despite me never authorizing this amount. She advised me to check my Mohela account periodically and only make a payment once the {$2500.00} is no longer showing. It continued to show for a month. I have had to call my bank and have them block Mohela from being able to debit my account. Now, I can't log in because my account is in " transition '' yet Mohela is sending me notices that my account is 60 past due. I can not verify any information, I can not make a payment. I can not contact Mohela electronically ; I must call. I am an attorney, and I often am free in the evenings- when Mohela is no longer available by phone. So I have no way to communicate with Mohela.
Product: Credit reporting or other personal consumer reports

Bank of America reported a credit inquiry, and I never applied for a third line of credit. I currently have two accounts with them but bank of America explained that somebody tried to open a third account with my social security.
Product: Credit card or prepaid card

I signed up for the American Express XXXX Surpass card in XX/XX/XXXX while a promotion was going on that offered a free XXXX weekend night after the one year anniversary of holding the card. This offer stated " The free weekend night award will be sent as an email from XXXX to the email address listed on your XXXX XXXX account within 6 - 8 weeks after the first anniversary date of the Card account ''. On XX/XX/XXXX, I contacted American Express to inquire about that status of the reward and was told " The maximum time is 6-8 weeks. However, you may expect within 1-2 week as well ''. On XX/XX/XXXX, I contacted American Express again - this time, I was told that XXXX was responsible for providing the reward. I contacted XXXX and was told " American Express, not XXXX XXXX, determines if the card member is eligible to receive a Weekend Night Reward ''. I contacted American Express again on XX/XX/XXXX and was told an inquiry about the issue would be raised. Finally, on XX/XX/XXXX, I contacted American Express a final time and was told that no investigation was ever started ; however, the representative offered to open another one and stated I would be contacted " within 3-5 business days the outcome will be updated. [ And ] if you wish we can also arrange a call back once we hear from them ''. As of today, I still have received no response about this issue.
Product: Checking or savings account

Bank put a 10 day hold on a {$3000.00} check, offered no sufficient reason for why and refused to release the funds
Product: Credit card

Several XXXX  of dollars of purchases that were not made by me there is over XXXX on this card now and its over credit limit how they let that happen when its a XXXX credit card??? Doesnt make since especially when I have supplied several documents supporting my case on these charges
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON, BOTH  XXXX  AND EXPERIAN CONTINUE TO REPORT A LATE PAYMENT ON MY CREDIT RPORT, WHICH IS INCORRECT. I HAVE MADE NUMEROUS ATTEMPTS TO PROVE THIS IS NOT ACCURATE AND THAT THEY SHOULD UPDATE MY INFIRMATION AND NOT VILATE THE FAIR CREDIT REPORTING ACT BY REPORTING INCORRECT INFORMATION. I HAVE MADE MANY ATTEMPTS AND FEEL THIS IS MY LAST RESORT, BEFORE FILING THIS COMPLAINT AND SEEKING DAMAGES IN SMALLS CLAIMS COURT.
Product: Checking or savings account

Opened a bank account on XX/XX/XXXX at the branch for the direct deposit and was given a bank account number ending XXXX. I updated all my direct deposit information with my employer. On the payday, I did not receive my salary and checked again on XXXX, XX/XX/XXXX. After, scrutinizing I realize the account number is completely different in the Wells Fargo system I have logged into. This new account ends at XXXX. This was completely different information and I check with the XXXX customer care, who directs me to go to the branch to resolve and get my direct deposit updated with my employer as XXXX does not exist. This is an online account and we were told you will have no need to come to the branch ever. In addition, when we asked the branch banker on XX/XX/XXXX to close an account, he advised the branch to do it online ( and on XX/XX/XXXX, for another issue we were told to go to the branch to resolve and get information ). At the branch I called the manager on XX/XX/XXXX morning from home, the branch manager can not process my concern as she wants me to come to the branch only to authenticate my confidentially ( given the whole banking system asks for my social, name, etc to authenticate me and even Wells Fargo set up 'my voice is my password ' ). They why did the branch tell me I can access every information for my account online and did not need to come to the branch. The Branch manager tells me since I can not take a day off to go to the branch to solve this issue, she can escalate and I would get a call within 24 hours. I get an acknowledgment email and waiting another 48 hours for the call to process my direct deposit. I call the escalation number on XXXX XXXX, where I have been told that it takes up to 10 business days to assign a case manager and the acknowledgment is what is given within 2 days. So in short, the customer care on XXXX  pushes me to go to the branch manager, the branch manager after 48 hours pushes to escalation and now I have to wait. Everyone does apologize for the issue, but no one made any attempt to check the account or send back the acknowledgment to my new employer that account XXXX does not exist so that I can get my paycheck. All I am getting in this hassle are mere words and no actions. I am just asked to move in different directions without any concrete actions so that I can get my missed paycheck on time. No one in the bank is ready to sign and give an acknowledgment that the XXXX now does not belong to me even as all my consumer application forms right now have XXXX accounts and none with XXXX. My employer till XX/XX/XXXX, has not received a return email from the bank that XXXX does not exist so that they can re-process my paycheck to the correct account.
Product: Debt collection

I do not and have never had a contractual agreement with Paramount Recovery for a debt of {$170.00}. Received an alert from XXXX that XXXX was flagging my Credit Report due to a {$170.00} questionable medical bill. I checked XXXX 's website and there it is listed as a debt. It also states that this debt can affect my credit negatively and have an impact on my credit score. This debt may be due to fraud because I di have some fraud detected on my credit report as well. According to the FCRA I have a right to have accurate information on my Credit Report. It's not listed on XXXX 's website. This debt has NOT even been validated. I do not have an agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & TransUnion which is severely affecting my scores.
Product: Mortgage

I contacted FCI Lender Services on XXXX XXXX by phone and spoke with a XXXX XXXX at Extension XXXX who informed me that I FCI Lender Services provides the negotiations for Loan Modifications and that I needed to put together the package of information and send it to them via fax or mail. I submitted my loan modification application and completed their questionnaire on XXXX XXXX, 2016 via fax and also by USPS with receipt requested delivered on XXXX XXXX, 2016 and signed by a XXXX XXXX. Today is XXXX XXXX, 2016 and I have not received any response to those my Loan Modification request or acknowledgement of such. Additionally, I called again on XXXX XXXX, 2016 and left another message with the general information Voice Mail for FCI Lender Services Inc which has also gone unanswered. I am filing this complaint as I have not received any response to my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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/2020 there were funds available to take out {$100.00} when there were funds available and it shows pending and deducted out of the account then a day later our light hit the account which went in and made it negative which is fine but they charged to {$36.00} overdraft fee.This has happened numerous occasions when fund show deducted and pending.We use there courtesy pay but they charge {$36.00} for every pending sale transaction when after funds are deducted and we use courtesy pay sometime as high almost {$300.00} when overdraft fees.BB and T is the name of the bank
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX  - XXXX {$270.00} XXXX XXXX XXXXXXXX XXXX  - XXXX {$110.00} XXXX  - XXXX XXXX  - XXXX {$8200.00} XXXX - XXXX {$880.00} XXXX XXXX  - XXXX {$270.00} XXXX XXXX XXXX - XXXX {$120.00} Accounts : XXXX - XXXX {$8900.00} XXXX XXXX XXXXXXXXXXXX XXXX  {$20000.00} XXXX  XXXX XXXX {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a deferment on my auto loan from XXXX, but XXXX XXXX reported the account late for XXXX and XXXX. The XXXX payment was fixed, but the XXXX payment is still showing 30 days on all of the credit bureaus. I have filed a dispute with Experian and contacted XXXX XXXX who both have not resolved the issue. They both keep referring the call back to the other. Today, I spent over an hour on the phone with XXXX XXXX being passed around from representative to representative without any resolution and finally landed in a supervisor 's voicemail because she did not want to take my call that was transferred from her subordinate. I have attempted to redispute with Experian, but their online service is refusing to take additional information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments have been made on time monthly, but the balance never decreases on the credit report. I contacted the company requesting information on when they update with credit bureaus, unfortunately the information provided is inaccurate. 

The balance they provided is inaccurate and they do not update the information monthly as they said in the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian are all reporting improper information. I also believe I am victim of identity theft and/or data breach. My credit scores and reports have been compromised because of it. I tried Disputing with the comoanies directly and thing were not properly handle. 

Hard inquires i didnt authorize : 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: Credit reporting, credit repair services, or other personal consumer reports

I see multiple duplicate inquiries on my credit report, Transunion will not advise on how to fix the problem. Please remove the multiple credit inquiries on the same days XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Thank you, and again, this is Transunion issue