23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I auto pay through my bank. The checks are sent on the XXXX XXXX XXXX of the month. NewRez mortgage doesn't cash my check ontime and I have had several late fees. I now send the check on the XXXX the month prior and the check usually clears by the XXXX. 

I believe this is intentional to charge late fees. 

My 2nd complaint is the escrow dropped my wind and hail. I found out it had lapsed so I added wind and hail insurance through XXXX. Now the mortgage company wants to charge me retro fees for the lapse, going backwards for the entire year.
Product: Credit reporting or other personal consumer reports

I have sent XXXX several letters and proof of the inaccurate information reported on my credit profile and they refuse to change it. This has dropped XXXX points off of my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my twelve 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 SUNDAY XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent out asking on XX/XX/2021 to Equifax asking for accounts to be removed due to violation of the FCRA. they company has not provided accurate service with the any of the documents sent in and has allowed an additional fraudulent account to be added. 

To Whom It May Concern : According to U.S. Code 1681b-Permissible purpose of consumer reports : ( C ) FURNISHING REPORTS IN CONNECTION WITH CREDIT OR INSURANCE TRANSACTIONS THAT ARE NOT INITIATED BY CONSUMER : ( 3 ) INFORMATION REGARDING INQUIRIES : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Account : Credit Plus XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX XXXX Account ; XXXX XXXX XXXX XXXX Account : Factual Dats XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account XXXX XXXX XXXX
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 current CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient 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

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XX/XX/2019 2., XXXX XX/XX/2019 3., XXXX XXXX XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Payday loan, title loan, personal loan, or advance loan

I have asked on numerous occasions to move repayment dates to week later at times and they refused everytime except first. I asked to close down my account and not charge my account all at once so I don't be one reliant on them and they refuse to spread repayment out. They have no support at all. It's caused me to be further in debt because of this.
Product: Debt collection

I received debt collection calls around XX/XX/XXXX from Diversified Consultants, Inc ( " DC '' ). DC was trying to collect a debt for XXXX XXXX XXXX in the amount of {$1000.00}. I immediately informed DC that the account was fraudulent, that my identity was stolen in XX/XX/XXXXwhen my wallet was stolen, and that I did not authorize the accounts at the service location. The XXXX XXXX XXXX account serviced a house in the XXXX XXXX, Texas area. DC informed me that it had marked the account as fraudulent and that a " fraud packet '' would be sent to me in the mail. I did not receive a single " fraud packet ''.
Not only did I inform DC that the accounts were fraudulent, but I also informed it I had a case file open with the XXXX Police Department - Financial Crimes division with Incident No. XXXX.
After receiving more debt collection phone calls, I decided to subscribe to XXXX to monitor my credit and safeguard my identity. It was through XXXX that I learned that DC had filed the collections on my credit report. I immediately called DC numerous times and leaving multiple voice mails. No one returned my calls.
I recently received letters from my credit card companies saying my credit limits have been reduced by a total of {$8000.00} as a result of these collection items being reported on my credit.
Through the advice of XXXX, I have filed disputes as to the collection items on my credit reports with XXXX and am now filing a complaint against the DC for knowingly reporting a fraudulent debt on my credit and causing me {$8000.00} in damages, at minimum.
Please note that I will be seeking all available legal action in addition to filing this complaint. If the CFPB would like copies of my incident report from the XXXX Police Department, please let me know and I will do all I can to facilitate the delivery of those documents for its review in this investigation.
Product: Credit card or prepaid card

I am the XXXXXXXX XXXX XXXX for my son who is currently XXXX  and someone is continuously trying to open numerous accounts in his name. He is not capable of doing this since he is in a XXXX XXXX  for over a year now. I have contacted the individual companies as the notices come in, however this needs to stop before someone gets something opened in his name.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX  XXXX XXXX - XX/XX/2024
Product: Debt collection

I want this off my credit report, I don't know who these people are, I never Finance nothing in my life
Product: Credit card or prepaid card

FOR years, I have used a Fidelity Investments CREDIT Card LINKED to a Fidelity Investments INDIVIDUAL ACCOUNT starting w a XXXX, ending XXXX. You use it to ccumulate points THEN I CHOSE TO HAVE THE {$50.00} REWARD T R A N F E R R E D TO THE INDIVIDUAL ACCOUNT AS CASH ... I've done this successfully at least 3 times. 
THIS TIME, I CALLED SAME NUMBER, DID SAME THING WAS C O N F I R M E D MONEY WOULD TRANSFER WITHIN LIKE 3 DAYS THEN I GET AN EMAIL THOUGHT MAYBE SPAM BUT I JUST RECEIVED INDIV ACCT STATEMENT, THE {$50.00} IS N O T THERE THE EMAIL SAID!!! N O W, TO GET THE REWARD TRANSFERRED, I MUST, YES, M U S T!!! 
GO ONLINE AND DO ONLINE BANKING WITH FIDELITY to get the {$50.00} I NEVER DO ONLINE BANKING NEVER EVER E V E R I DID NOT AGREE TO THIS CHANGE AND THE AGENT CONFIRMED THE {$50.00} TRANSFER WHEN I CALLED. 
Classic Bait and Switch
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX  and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband fill out for a credit card under my name. They are saying that I filled the information out. Capital one states I filled out for it but I didn't not. I only have one capital one account it is the one in the past 2 years.
Product: Debt collection

XX/XX/2018, XXXX for debt collection. The company is trying to collect debit that was resolved and they refused to send new bill as the bill should be XXXX. 
They practice illegal collection methods.
Product: Checking or savings account

Dear Consumer, Financial Protection Bureau, Years ago I had an account with USAA an attempted to resolve a negative balance via offering a settlement to address the amount that was owed at account closure. I was impacted to by job loss was not able to pay off and over draft. Unfortunately I was denied the ability to negotiate and pay off the balance less fees. Therefore, the credit union has reported me to early warning systems. At this time, Im unable to dispute and resolve this negative information that is impacting me from moving forward with establishing a new account with USAA. I would like your assistance in resolving this matter. The account was opened over seven years ago. At this time should this not have been dropped off or removed from the report because of the length of time. What is the legislation for debt reporting guidelines as it relates to information relating to bank accounts non-Credit Card or loan related.
Product: Credit reporting or other personal consumer reports

I am trying to obtain a mortgage for a house, and for some reason there is a glitch when it comes to XXXX and the XXXX scoring system. Even though XXXX XXXX sometimes has less things than other bureaus my XXXX score for mortgage loan is hundreds of points lower and on a tri merged mortgage report its not showing any of my current accounts that are in good standing which I think is affecting it. Im not sure if this is a glitch on XXXX XXXX side or with XXXX but it is hurting me and causing harm to my credit file and I have been working hard to fix my credit so I can live the dream and buy my family a home. I need your help to make this happen. Its only transunion that seems to be the issue. Thanks
Product: Debt collection

I received XXXX different letters from a company called Debt Recovery Solutions LLC ( XXXX ) with a name of the recovery specialist XXXX XXXX and each letter states that I owe {$100.00}. I thought was the same letter but repeat, when I called to pay the rude people that answered the phone never gives the specifici information and they only say that I have XXXX differn accounts that I owe for XXXX hospital when my debt with the hospital was only aprox. {$100.00} ( and I have trhe proof ). The person mention in the letter does not exist, that is what the last person that took my call said. The {$300.00} they are tring to collect is not true and this company nevers wants to be specific when I called and ask for the account.
Product: Vehicle loan or lease

On XX/XX/2022 I was informed that Chrysler Capital had put a repossession order on my vehicle that has been transferred into Private Trust per security agreement to XXXX XXXX XXXX XXXX # XXXX. On XX/XX/2022 I contacted Chrysler Capital about the allegations of repo order and spoke with several employees in the platinum member services department with employee ID numbers : # XXXX, # XXXX XXXX XXXX and Executive office member # XXXX XXXX. All employees name of Chrysler Capital was using profane language and making threats of repossession of private property, and saying that I owed debt. I have attempted to send several Notices to Chrysler Capital regarding my administration forensic investigation and analysis after notice of fraud, and billing errors pursuant to ( regulation z ) and ( regulation f ). Proof of service includes five signed and completed USPS ( PS Forms 3811 ) that have been included in attachment, along with Debt Validation Letter ( 15 USC 1692 ( g ) ) that was never responded to, Affidavit of Truth that Chrysler Capital is also in Non-Response of. Chrysler Capital has Received and Signed showing proof of reception of said documents. Since Chrysler Capital is in violation, dishonor, and default to cure of using copyrighted property, and sending threats of repo order a private administrative judgment has been issued. This is to notify XXXX XXXX, XXXX, Chrysler Capital and Santander, LLC that a commercial lien of ( {>= $1,000,000}. ) has filed against them and will not be released until settlement is reached. Affidavit of Obligation has been sent registered mail ( XXXX XXXX XXXX. Declaratory Judgement. " Default '' status. Enforcement has been done non-judicially.
Product: Checking or savings account

After responding to an ad online for Chase online banking I opened an account with Chase bank around the first part of XXXX made my first deposit XX/XX/XXXX. I used that account for several transactions over the next 4 or 5 days and Chase put a hold on my account stating fraudulent activity on the account. I inquired about the hold and was told I needed to come into the branch to verify my online account. I live 4 hours away from the closest Chase, and did not get notified that I would have to go into a branch at some point when I opened my online account from my location 4 hours away. I asked them to close my account and they stated that they would have a check to the address on file in 3 to 5 business days I waited about 10 days called them back to find out no check has been sent and they can not send one without me going into the branch to verify my identity Which I did not have to do to make my deposits or open my account. I called back again and they will not release my funds. I am XXXX and need these funds for medical treatment and can not make it into a branch due to the distance of this online account.
Product: Credit reporting or other personal consumer reports

The company, XXXX XXXX XXXX, is attempting to collect a debt that does not belong to me. Its reflecting onto my credit report. Ive reached out to Equifax to investigate this matter via a debt validation letter. This letter is to provide a document of the supposed agreement between myself and the original creditor XXXX telecommunications. Equifax claims to have verified the debt but didnt supply me with the requested document displaying my signature signature of agreement with XXXX XXXX XXXX no longer exist. The company was acquired by XXXX and dissolved in XXXX XXXX XXXX. This is a complete violation of the Fair Credit Reporting Act.
Product: Debt collection

The collection company involved, Bayside Capital Services, while we were visiting my Aunt and Uncle in XXXX, somehow found out we were down there and somehow obtained my Aunt and Uncles phone number. They began calling them wanting to talk to my wife, and threatening that if my Aunt and Uncle did n't put us in contact with them immediately that they would receive a visit from an unspecified person, an assertion that greatly upset my Aunt. 

We live in XXXX, XXXX miles from my Aunt and Uncles house, and we had no contact with them while we were down there. How they found out we were down there and obtained my Aunt and Uncles number is very concerning. 

When we got home, they called and spoke to my wife, the first communication we have had with them, they immediately demanded that we make a payment to them or we would receive a visit from an unspecified person, my wife was scared by what they were telling her and she consented to making a payment. 

I sent them an email, explaining how upset I was and telling them that I was aware of the requirements of the Fair Debt Collection Practices Act as far as what they are allowed to do to communicate with us, and also what they are required to do, including furnishing us with the relevant documentation and allowing us the requisite time to dispute the debt. 

The next morning, they deposited the money they had coerced my wife into allowing them to deduct, back into our joint account. They then called and addressed some of my concerns that I addressed in my email, we missed the call, they left a voicemail. 

I called them back and they immediately began attempting to try to get me to just go along with their ridiculous, illegal tactics, I did not. 

I explained how upset I was about what they told my Aunt when they spoke to her and the individual I was speaking said that I had no proof that they had said those things to her, intimating that my Aunt is lying ... which greatly upset me. 

I told them I was going to pursue legal action against them and I hung up.
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, 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: Credit reporting, credit repair services, or other personal consumer reports

Recently checked credit report and discovered XXXX, Transunion and XXXX were all reporting several fraudulent items. i have attachments supporting these items be removed and blocked per FCRA.
Product: Debt collection

in XXXX XXXX XXXX i sent letters to express collection asking them to validate the debt they say i owe of {$1200.00} and received no response and they still report to the consumer credit reporting agencies XXXX, XXXX and XXXX. i also mail certified letters again asking for Validation of debt they say i owe and still no response from them. I'm filing a complaint now because they are illegally reporting on my consumer report each month damaging my chances to obtain credit.
Product: Prepaid card

From XXXX XXXX transaction was made that wasn't me I was in incarcerated and these transactions were made without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  CONTINUE TO VIOLATE " FCRA '' SECTION 607 AND 609 ... VARIOUS ID FRAUD ACCOUNTS ON FILE NOT MINES, NEVER DONE BUSINESS WITH COMPANIES AND ACCOUNTS OUTDATED REPORTING ... REMOVE ALL FRAUD ACCOUNTS LISTED : " XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX REPORT # XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

After a company has charged off your debt they have no permissible reason what so ever to pull a consumers credit. This is a clear violation of my privacy rights under the FCRA LAWS. on XXXX XXXX 2017, XXXX XXXX 2017 and onXX/XX/XXXX the company Pioneer Financial services deliberately violated my privacy rights under the FCRA permissibly reason to pull a consumer credit report being that I have no open account with them or any account in collections with them according to the notes on my file with this company and on my credit report.
Under the FCRA this is the definition of Permissible Purpose. Being that this company is not actively trying to provide me with credit, nor are the actively trying to collect a debt there is no reason for them to be pulling my credit. The accounts that I have with them currently are charged off as a bad debt and as a loss. They have not assigned a collection agency to peruse collections so as I stated they have no reason to pull my credit the three times that they have pulled it. This is abuse of power to cause harm to a person personal credit and I would like for them to be further investigated on my behalf. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit trans- action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation
Product: Checking or savings account

I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform. 
all was fine until i get notified that my account has been permanently limned I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back.