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

I reported my card lost or stolen and had a replacement ordered in early XXXX and was told to allow 2 weeks for the replacement to arrive. When no card arrived, I called to follow-up only to be told that they had forgotten to order it. I spoke to supervisor XXXX with employee id XXXX and was advised that he was special expediting a replacement and we would have it in hand in 1 to 2 days. 
After allowing for 1 day for them to process, and the 2 days for it to get to me, I then followed up to be told I should receive it by Monday ( 3  days later than promised. ) I again asked to speak with a supervisor and was then hung up on. I called back and asked to speak to a supervisor again and finally was given XXXX, id XXXX. Eventually she provided a tracking number and stated it was shipped XXXX priority overnight and we should have it in a few days. When asked to speak to her supervisor she refused. 
Upon checking the tracking number it showed it was ready for pickup by XXXX and that it had been scheduled that day. It had not even been picked up. 
Company provided pay card because that is how they pay now and XXXX kept me from my money for 3 weeks and has still not delivered my card.
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 these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I applied ( by accident, meant to check rate ) and approved for {$400.00} loan. Phone Auto filled info in. And put in wrong checking account ( transposed XXXX numbers ). My bank, XXXX XXXX XXXX XXXX, returned the funds XX/XX/XXXX in XXXX. XX/XX/XXXX call Uprova. No funds ... XX/XX/XXXX call Uprova had 3way call with MY bank confirming funds returned .... XX/XX/XXXX no funds... XX/XX/XXXX & XXXX ... No funds turned back to XXXX. Now my account is negative XXXX and rent is due, cell phone ... On XX/XX/XXXX XXXX XXXX way call with bank to confirm funds returned and gave Uprova supervisor XXXX a trace number. On XX/XX/XXXX I was told funds should be back Monday or Tuesday. .. mon they were closed... Which j didn't know .. and now here we are almost XXXX weeks after initial approval and they have no idea where the funds are. I can not get a loan bc it's active ..... I can not pay rent, bills, feed my son... Get gas to go to work... We will be living in my car!! Plus now I need a larger loan to cover NSF and such. The name and license are wrong bc it was Auto filled with my married name. I can not get a loan which I need NOW. Someone HAS TO DO SOMETHING!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage, there were two accounts attached to one from the beginning.then I refinance it, but only one mortgage was refinanced.i had stop the auto pay, as the requested.then I was reported to the credit bureau as a late payment in XXXX, XXXX, XXXX. First, the mortgage company never told me that there erred only doing one. Found out after all was done. Then the second account was left on its own. The second account reported.me to the credit bureau because of the late payment. I been battling this for years.i had auto pay, through out the rides I had a mortgage.never was I late. The send mortgage, did not care.i even paid it off.i was single back and forth with both companies.i work hard, and paid my bills, I have never been late, this was an issue of them!! Why would I be late? I had auto pay.they cancell it, cause they said it should be done. You will see in my docs. The date, time, of mortgages, and credit reports, which shows the time line.furthermore, I had fraudulent credit cards being applied on my behalf.thats the reason I had those reports.in it, shows all payments, the both mortgages, and my auto pays. It's incredible what they have done ro me.but now I'm tired of no one helping, and so., I'm doing this compalint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open an account at XXXX and XXXX in my name and I am asking for the inquiries to be removed immediately. Thanks
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. Please remove these accounts from my credit report they are hurting my ability to obtain credit. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second letter regarding account XXXX, and I have had no correspondence back from your company in over XXXX  days. 

Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation -Failed to provide proof of your right to own/collect this alleged debt in the state of Texas. 

-Failed to provide me of the amount of which the debt was purchased/ forward flow agreement. Per the CFPB, I have this right as a consumer. 

Not only have you ignored my prior requests for validation of debt being that my information was compromised in a data breach, but you also continue to report this debt to the credit bureaus causing damage to my character. Please see the attached data breach results and the XXXX XXXX due to your company 's negligence and FDCPA violations. Payment is to be remitted to the address on the invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Product: Credit card or prepaid card

On XX/XX/2020, my wife and I received a Visa Debit card neither of us applied for. The address is Money Network Cardholder Services, XXXX XXXX XXXX, XXXX, NE. There is a Department of Treasury Seal on the letter. If this letter had fallen into the wrong hands and/or was not delivered to the correct address, a fraudulent person would have opened this card without our knowledge. This is a disgrace. Do not this case card or this bank.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX Balance : {$4.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$110.00}.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian AND XXXX consumer report and I noticed some late payment posted on my consumer report : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION NAME : XXXX, XXXX, A EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have reached out to Ally financial, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to explain that these negative accounts that are showing on my credit file are fraudulent and do not belong to me. I have provided information like police reports showing I'm an identity theft victim. I also have provided this information to XXXX, XXXX, and XXXX  as well. XXXX is the only agency reporting this false information at the time and has been providing me with same result time after time with no paperwork for validation but yet saying that it has been verified. These accounts are showing opened from XX/XX/2014 to the present with amounts from around {$200.00} to {$19000.00}. I would like for these accounts to be removed immediately because they don't belong to me.
Product: Credit reporting or other personal consumer reports

I did not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.
Product: Mortgage

Per KEYBANKs response : KeyBanks records do reflect that you applied to refinance the Account in XX/XX/XXXX. That interaction does not reflect there being a conversation around a Conversion Option. However, if your intention at the time was to exercise a Conversion Option, we regret that topic was not discussed with you at that time. 

Their regrets above are not accepted. 

I spoke to the employee at the Branch who handled this transaction prior to filing this complaint and she ADMITTED not knowing the procedure and mistakenly sending me to refinance back in XX/XX/XXXX,  when it should have been handled as a CONVERSION - NOT a refinance. Your customer notes have holes in them. Had she handled the procedure properly, we should now have a A 13-year loan instead of a 15. As of our discussion in XX/XX/XXXX - the same employee also stated to me that she DID NOT KNOW HOW THE MANAGER AT THE XXXX BRANCH DID IT and would have to call him to find out. 

We do not accept your attempt to do a half baked correction saving yourself money. 

The loan should be retroactively converted to a fixed rate as of the time I requested it in XX/XX/XXXX. It is not my problem your employee was NOT TRAINED PROPERLY TO SERVICE CONVERSION REQUESTS, nor is it my concern that your notes are incomplete because the employee was not trained properly. 

ALSO your official letter to me, XXXX, misstates our loan terms as 240 or TWO HUNDRED AND FORTY MONTHS. It is A 15-year loan!!! That is 180 months!!! 
How am I to trust Key if you cant even get my LOAN TERMS CORRECT in an official response to a CFPB complaint? 
Please respond immediately. Your check for {$640.00} is not an adequate correction.
Product: Mortgage

On XX/XX/XXXX I reached out to Amerisave Mortgage Company to refinance my home. I google some of the companies that had decent reviews and options that seem to fit my needs and began the process. XX/XX/XXXX XXXX credit inquiry reported Amerisave Mortgage Company pulled my to refinance my current mortgage. We started the process in late XXXX and I have still not completed the process of today XX/XX/XXXX, this is going on 3 months. 

My credit was pulled 2 additional times after the first inquiry. I was told that I did not qualify for the first 2 options that were conventional loan. My only options would be FHA loan. I was originally promised that I would not need an appraisal and my initial payment would be refunded. Now I am told it will not be refunded or go toward closing but instead it was payment for the appraisal. I have been in my home for 3 years, it has increased in equity XXXX with not late payments of fees. 

I provided them with all document and information as requested including XXXX, XXXX, banking and employment W2 's. I am being told now that 3 months during the XXXX pandemic when the world was shut down a gap in employment does not provide 24 months of employment history. I advised them of all this information early in the application phase via phone, email and web portal but continued to string me along now I am being told I need to bring XXXX dollars to closing and show proof of employment for those 3 months. There original attraction was no closing cost or appraisal fee which was part of the reason I applied with Amerisve Mortgage. 

Currently I am out XXXX dollars for appraisal fee, XXXX dollars supposedly due closing cost, I am back into an FHA mortgage with PMI insurance. I have no closing date and they are still requesting employment history because of 3 months during pandemic. I have worked in construction industry for XXXX years and have never been late on mortgage or missed a payment including during the pandemic. 

Technically I am paying for inadequate service with no result or end insight. I attempted to switch to another refinancing company but was told that would not change the outcome it would be the same issues because all underwriting have my information since I started the process with Amerisave and my options limited. Currently I like I am in an endless loop where the target continues to move with no end in sight. I have send email and required to speak to supervisors or underwriting ; No change or help with resolving my issues. This is completely unprofessional in my experience and do not know how to accomplish my goal o reduce payment and take advantage of lower interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX XXXX, Transunion are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX XXXX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 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 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

I HAD MY ID STOLEN EARLY   XX/XX/XXXX  AND DID N'T REALIZE IT TILL RECENTLY. I HAVE FILED EVERY FRAUD REPORT AND ID THEFT REPORT AS WELL AS FROZE MY ACCTS. I HAVE NOTIFIED ALL THE CREDIT AGENCIES AND CONTACTED THE CREDIT CARD ACCOUNTS THAT WERE OPENED OR ATTEMPTED TO OPEN TO NOTIFY THEM OF THE THEFT. HOWEVER, CHASE CREDIT CARD COMPANY CONTINUES TO RUN MY CREDIT ALMOST 2 TIMES PER MONTH EVERY MONTH AND NOT CALLING TO VERIFY MY INFORMATION AS REQUESTED. I HAVE CONTACTED EVERYONE AND THEY ALL SAY OH WE WILL STOP THIS BUT THEY CONTINUE TO DO IT EVERY MONTH. THE MOST RECENT IS  XX/XX/XXXX  AND  XX/XX/XXXX . M Y CREDIT SCORES WERE OVER  XXXX  AND I HAVE BEEN SAVING FOR A HOUSE AND NOW MY CREDIT IS IN THE  XXXX  DUE TO ALL THE HARD INQUIRIES FROM CHASE BANK. I DO N'T KNOW WHAT ELSE TO DO? PLEASE HELP! I HAVE ALSO STARTED A CASE WITH  XXXX    XXXX   XXXX   XXXX   TO HELP WITH THIS BUT ITS NOT DOING MUCH GOOD EITHER. WHAT CAN I DO?
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximately ten days later due to my credit report.  XXXX  pulled up my   XXXX   credit report. Both  XXXX   XXXX  and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX   XXXX  has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX    XXXX   advisory removed. Each customer service representative said that I had to contact   XXXX    and that  XXXX  would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.
Product: Checking or savings account

First let me begin by saying that i am XXXX XXXX XXXX attending XXXX XXXX University. I recently applied to an internship from an email I received in my student email. After a week or so the internship contacted me by the name of XXXX XXXX. He said I was going to be his personal assistant and he would be sending me funds to disperse to his promo merchants. I attempted to deposit the 2 checks he sent by email and Wells Fargo instantly declined and froze my account. Resulting in them closing my account. I called and explained the situation and how I had no idea of this scam and clearly am the victim. To my Suprise the very rude support told me " It's a privilege to bank here and you have lost that privilege. He continued to close my account after I begged him to reconsider and the fact i have a kid going without funds could be detrimental to my family and myself. Not only did they close my account, but they made it to where I'm unable to receive My funds in My account until XX/XX/XXXX! All of this is totally unprofessional and inconsiderate of the victims of fraud.
Product: Checking or savings account

I havent got my paycheck for a whole week and the company is ignoring me like the dont want to pay me or help me out
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : 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