23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 the account information on both the XXXX and Equifax reports are seriously incorrect and should be removed from my report. The balances of the XXXX XXXX revolving account. 

A letter forwarded to XXXX XXXX on XXXX of my recension from providing non-public private information to any third party under 15 USC 6802 was sent. According to their customer agreement under section ( e ) I can and did withdraw this authorization in writing. The account should be removed from both reporting agencies reports. 

Disclosure of Information to Third Parties We may disclose information to third parties about your Card or the transactions you make : ( a ) where it is necessary for completing transactions ; ( b ) to verify the existence and condition of your Card to a third party ; ( c ) to utilize services of third parties and affiliate entities who assist us in providing the Card and related services ; ( d ) to comply with government agency rules or court orders ; ( e ) if you give us your permission ; ( f ) if you owe us money or there are legal proceedings in connection with your Card, in which case information may be released to attorneys, accountants, collection bureaus, financial institutions, and others involved in collection, adjustment, settlement or reporting ; ( g ) to protect against potential fraud and other crimes ; or ( h ) when otherwise permitted by law.
Product: Checking or savings account

I, XXXX XXXX, am the CEO and founder of a XXXX, Civil Rights organization called Advocates for XXXXXXXX Americans, Veterans, Police, Firemen & Families. This is a national non-profit. 
On XX/XX/XXXX, I took a XXXXr, XXXX veteran for a boat ride, and rented a small boat for several hours from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, FL XXXX. The rental cost {$320.00}. The rental was from XXXX, however, since the veteran was getting tired, we returned the rental at XXXX pm. We dropped the boat off intact, without any issues. On XX/XX/XXXX, {$3000.00}, was automatically withdrawn from the company checking account at Truist Bank acct # XXXX, by XXXX XXXX XXXX, XXXX claims. I called the bank and inquired about the charge. I was informed that the boat had damage and hence the {$3000.00} charge. I called XXXX XXXX, and was informed that there was damage on the side of the boat, that the boat was left during rush hour and the person accepting the boat was busy. We did not drop off the boat during rush hour, it was before XXXX. I was not sent any information regarding the damage from XXXX XXXX, I was not sent any kind of paperwork, no explanation, nothing. After my discussion with XXXX XXXX I spoke to the bank, informed them that this was a fraudulent charge, and on XX/XX/XXXX, the bank returned the amount of {$3000.00}, back into my account, the amount was from credit XXXX claims, XXXX XXXX. On XX/XX/XXXX, the amount of XXXX from XXXX  XXXX was automatically taken from my account once again.Truist allowed this company to take the funds from the business account without any documentation of proof. No one, from XXXX XXXX XXXX sent me any explanations, they did not accept my explanation, We still do not know how this amount, the {$3000.00}, was configured. I did not sign a document that allowed XXXX XXXX to withdraw such an amount, My bank allowed this fraudulent amount to be withdrawn, causing numerous other payments to be declined, causing a variety of {$35.00}, overdraft fees. I have never had a negative balance in the business account until now. I do not accept this withdrawal, I do not owe XXXX XXXX XXXX {$3000.00}.
Product: Credit card

This bank unexpectedly send me a letter that their closing my macys American Express card I was a good customer and now they want to get rid of me why?? I did nothing but pay them on time
Product: Credit reporting or other personal consumer reports

Transunion has inaccurate information on my credit report. XXXX acct. # XXXX shows the Number of months ( terms ) as XXXX. XXXX also has this account listed inaccurately ; with the terms listed as XXXX ( due every XXXX weeks ). Please delete this inaccurate account. Transunion has XXXX acct. # XXXX showing payment status as charged-off ( profit and loss write-off ). A charge-off that has been written off is considered income and should not be on my credit report. I was never sent a XXXX for this account. Delete this account. XXXX has XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX date of last activity as XX/XX/XXXX. XXXX has this same account 's date of last activity as XX/XX/XXXX ; this account is reporting inaccurately, delete this account. Transunion has XXXX XXXX XXXXXXXX account # XXXX showing date of last activity as XX/XX/XXXX and payment status as charged-off ( profit and loss write-off ). A charge-off that has been written off is considered income and should not be on my credit report. I was never sent a XXXX for this account. Delete this account. XXXX CARD account # XXXX shows a different date of last activity for Transunion - XX/XX/XXXX, for XXXX - XX/XX/XXXX, and for XXXX - XX/XX/XXXX. Delete this inaccurate account. Transunion, XXXX, and XXXX all show inaccurate payment history on XXXX XXXX XXXX account # XXXX, according to XXXX Code 1666b ( a ) ( a ) Time to make payments, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please update this account to pays as agreed, never late. 
Delete the following credit inquires as there is no account attached to them, credit was not extended due to adverse action, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX OF XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a system of checking to see if it's really you by asking XXXX questions about what's on the report and no matter what you answer, it will say that you gave incorrect information and you can't get your report online. You have to print a form, fill it out and mail it in. Equifax does this same XXXX EVERY YEAR. I am trying to get my report to see what's on it, IF I KNEW WHAT'S ON IT I WOULDN'T NEED TO ASK EQUIFAX. All the questions EQUIFAX asks in regard to what might be on a person 's account are bogus. They've been getting away with this XXXX for YEARS! 

Besides filling out a paper application and mailing it in, they request copies of these items : Social Security card / Pay stub with Social Security number / W2 Form / Driver 's License Rental or lease agreement/house deed / Pay stub with address / Utility bill ( gas, electric, water, cable, residential telephone bills ) It's obvious that EQUIFAX resents having to supply the consumer with free information and they make it as difficult as possible to get it. Why don't the government authorities do something about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 



XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Student loan

I am making regular payments plus principle. They are not applying the additional payment to more rapid pay down of principle rather they are holding excess payment and applying to future payment, not reducing principle and they are annually reducing my minimum payment directly against my instructions. After the last conversation with the company, they actually reversed an auto payment and said I had a late payment. 

The people I speak with have no idea about prepaying the principle or they are deliberately trying to keep me paying my loan. They owe me back payments on principle and credit for interest they charged me.
Product: Credit card

Dear XXXX This is a complaint about Goldman Sachs credit cards fraudulent transaction. They claimed that they have resolved a dispute that I filed on a purchase from XXXX, but they did not actually pay me the credit that they promised. Here are the details of the transaction and the dispute : {$130.00} XXXX XX/XX/XXXX, XXXX Dispute Approved The dispute filed on this transaction has been approved. Refer to your dispute status email for additional information. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX Disputed amount : {$250.00} Credited amount : {$250.00} However, I did not receive this amount in my account, and I have contacted Apple Card several times with no success. I strongly suspect that Goldman Sachs credit card is cheating consumers and embezzling these funds. I urge the authorities to intervene and stop this shameful behavior. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I guess experian has frozen my credit. I only found out they froze my credit because they even prevented me from using the ssa online portal so that i can get a replacement card. So they have been preventing me from accruing credit amd using services entirled to me as an american citizen. I do not have a pin and i followed their extrenuous method for removing this freeze yet i have not recieved a word from them. I also canceled my subscription with them and still no freeze lifted. I did not evem know i had a subscriptuion with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CREDIT PLUS Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Debt collection

On XX/XX/2021, I received an email about a decrease in my consumer report. When I checked my report, I noticed my score had dropped tremendously. TransUnion has reported that I somehow owe them money. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. 

To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report, No consent is identity THEFT.
Product: Mortgage

On or about XX/XX/XXXX, I called Citizens One Home Loans to inquire as to why my home loan was still being charged Private Mortgage Insurance as the balance as of XX/XX/XXXX was {$580000.00}. When my current home loan was consummated in early XXXX, the appraised value of my property was {$750000.00}. My loan-to-value as of XX/XX/XXXX is approximately 77.6 %. I received a voicemail from a XXXX in Citizens One Home Loans PMI Team who is requiring documentation indicating that there has been no decline in home value. This request appears to be in violation of the Homeowners Protection Act of 1998 's Termination of Private Mortgage Insurance ( 12 US 4902 ) provisions. I have not been late with a mortgage loan payment since the loan was consummated in early XXXX.
Product: Checking or savings account

Wells Fargo signed me up for services I DID NOT AUTHORIZE to the tune of thousands of dollars and then set up auto deductions from my account for the services. This is nothing short of fraud. There were multiple deductions over several years regardless of multiple attempts on my part to stop the transactions. I finally closed my accounts and opened up a credit union account. I have asked for the records and XXXX has refused to provide the records. XXXX is not complying with the settlement agreement that they signed with the CFPB XX/XX/XXXX to pay back customers. FURTHER, THERE ARE OVER XXXX COMPLAINTS ON THE CFPB WEBSITE DATED AS RECENTLY AS XXXX OF XXXX FOR THE SAME PRACTICES XXXX AGREED TO SETTLE AND CEASE IN XX/XX/XXXX. 

I see multiple class action suits against XXXX for the same practices. Is the CFPB regulating XXXX at all? 

XXXX is ignoring my claims for damages #. Claim # XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, all represent XXXX XXXX XXXX in unauthorized charges from my account.
Product: Payday loan, title loan, or personal loan

apply for a loan for small business. I was over charge with fees and overdraft fee as well money on hold for 10 business days
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect personal information on my credit report. The names addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not belong to me. Please investigate these inaccuracies and remove them from my record. 

Enclosed are proof of residence for your reference. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I was completely shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I routinely check my credit report, and everything was fine before, but suddenly, these discrepancies just appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors stayed. Im asking for a thorough review of the documents I sent so that I never have to worry about this happening again.
Product: Debt collection

Days following up to XX/XX/XXXX a XXXX from AIG ( accounts interchange group ) contacted me about a debt from XXXX the XXXX XXXX XXXX. This was a legitimate debt but the way it was handled was very unprofessional. XXXX left me a voicemail on my business phone and because he heard what the name of my company was, he threatened on the call and said thats fine Ill just be contacting your management company and they can give me the information I need to garnish your wages I told him that I was not able to receive personal calls at work and also told him that my company has nothing to do with my debts. I also told him that I didnt want him to contact me anymore just like it says on the companies website. he kept on and on and in a threatening tone the whole time told me that if I didnt pay by the end of business that day, that I would be going to court. I felt that the threats would not end and had just recently received a XXXX at work and did not want my job contacted over something so silly that I ended up paying him the XXXX that was owed. He told me it was too late to do any sort of payment plan eventhough this was the first time I had ever even been contacted about this debt from 2016
Product: Student loan

I contact MOHELA twice in mid XXXX first to move to an income driven repayment program as my current program payment was too high. I requested the paye program first, but when I called the second time I was told the repaye program ( that would become the save program ) would be a better option for me so I requested to be put on that program. I verified with the rep they would disregard the first application and take the repays application first. They updated my repayment programe to the paye program. I thought that was just a mistake and it would change to the repaye program. When it didn't change, I contact them again at end of XXXX inquiring about the change. They said to keep waiting and they would escalate it and it should process the change in 5 to 7 business day. On the XXXX business day it still had not changed, so I called again. The rep told me they had caught their mistake and put my account in forbearance for me so I wouldn't have to make the payment under the paye program in XXXX. They told me there was nothing else they could do besides keep waiting another 5 to 7 business days. On the 8th day I called again due to no change and they said to wait another 5 to 7 business days. It has now been 10 business days and there hasn't been a change or anyone reaching out to me. I am calling again on Monday.
Product: Credit card

This is a scam involving the Consumer Financial Protection Bureau. On XX/XX/XXXX, I received an email from XXXX XXXX about 2 potential fraudulent charges on my credit card. In working with them, 3 additional charges were identified as being unauthorized. These charges were removed from my account, which was closed and a new account with credit card were established. On XX/XX/XXXX, I had a call from an XXXX XXXX who claimed to be with the Consumer Financial Protection Bureau. He gave me the correct agency 's phone number and his direct line ( XXXX ). He already had all of my credit card information, which I did not think was unusual because of where he worked. He explained that the credit cards companies ( XXXX XXXX, Barclay 's Master Card, XXXX, and XXXX  ) had been illegally charging me very high interest rates, which were in violation of the Fair Credit Reporting Act. During the multiple calls made by transferring me, I talked with representatives of XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), and finally XXXX XXXX XXXX ( XXXX XXXX, XXXX. The group indicated that they could send a cease and desist letter to the 4 companies whereby they would stop the bills and payments, that I was not to pay any bills or communicate with these companies referring any contact to XXXX. They said that my credit card debt of {$23000.00} would be reduced by half within an 8-month period. Then, I would have less than $ XXXX to pay back in reasonable no interest payments over a 36-month period. They said that I was eligible for this " deal '' because I was a XXXX, had a good credit rating, had been paying interest at illegal rates, and did not participate in the national do not call program ( strange! ). To participate, I had to pay {$9500.00} using my Barclay 's Master Card. I have contacted Barclay 's, but I can't file a fraudulent claim for 10 days after the charge is posted, They also mentioned that during the 8-month period that my credit rating would come way down. Guess this is because of not paying my bills. In the interim, I have frozen my credit reports and have contacted the four credit car companies to close accounts and issue new cards. My wife and I are XXXX  citizens and that I am XXXX  with XXXX XXXX XXXX and XXXX.
Product: Credit card

I opened a Walmart credit card account with GE Capital Retail bank ( now Synchrony Bank ) in XXXX, of XXXX. I lost my job in XXXX and fell behind and was unable to make payments. I worked it out with Synchrony by going on a payment plan to get the account paid and closed. The representative said that as soon as the payment plan was completed that the account would report as " paid in full '' and they would remove the late payments from my credit report. 

XXXX shows " pays as agreed ''. XXXX shows both " Payment after charge off/collection '', and " Settled-less than full balance '', and XXXX shows " Account Paid In Full For Less Than The Full Balance '', and they are also still reporting all of my late payments after the representative specifically said that they would remove. I do n't understand how they removed them from XXXX and XXXX but not from XXXX. 

I have attached a copy of XXXX XXXX credit report pulled on XXXX/XXXX/XXXX for your records, so you can see the erroneous and inaccurate reporting. 

Due to the erroneous and inconsistent reporting across the XXXX credit bureaus, I am requesting that this trade line is removed from my credit reports, or is updated to " paid in full '' and all late charges are removed.
Product: Credit card

I have sent registered mail addressed to the Legal department and Investor Relations, which was received on XX/XX/year>. I also sent an email to IR and left a message as well to follow up on my letters that was sent. I " am giving a notice to cure with this email. I will attatched the information that has been sent with my denial of credit letters. I know that on your prospectus report where it states the way our securities are being handled as well as other information explained in my attached letter. I gave you a security on XX/XX/year> and was denied. I know that my security is being sold without my knowledge and consent. I will be getting an bloomberg audit done on my applications, which turned into a security that this company developed a cusip for. I know on your SEC filings its states that you do not sell securities on the market it is against the law. I know my securities has been sold and that is securities fraud, which an audit will prove that. I " am hoping that we can settle this amicably as instructed in my letters that has been sent. I will have no option, but to file a complaint with the SEC and upload my audit report and findings if there is no response by the end of day today. I have sent several emails and called several times no reply back. I sent a notice to cure as well. This is my 1st compliant on the matter and my letters that has been sent is uploaded on this report. I will also do a report with the SEC and arbitration if there is not reply back.The denial was unlawful and discrimination against new applicants, which violate the Equal Credit Opportunity Act. 

Thank You
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have all violated 15-USC - 1682. They do not and have never had my written consent to place these items on my report. In fact the only true credit reporting agency is the cfpb.