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

Without my permission or knowledge, on XX/XX/2023, Kay XXXX and Comenity Bank checked my credit, then opened a credit card in my name, sending me a letter dated XX/XX/2023. 

When I tried to report the fraud, the Comenity Bank person insisted on me providing additional personal information to identify myself as a condition of closing the account. When I refused to add personal information, the " fraud department '' person hung up on me. Clearly they are part of this. 

I want the account closed, and the fraud reported. Thank you.
Product: Student loan

In XXXX I started a student loan repayment program through my employer where they would make payments to my loan on my behalf and I would work for them a certain amount of time or I would have to pay them back every penny. There are 5 payments of {$430.00} made from XXXX to XXXX. 
In XXXX, I got an email saying my account was officially moved and I logged in to my Edfinancial and saw that the money was moved. Only the XXXX payment showed up in the history but it was after the money was moved so it did not apply to the balance. I logged into the new account and none of the payments since XXXX were on the account. I contacted them and they said it could take up to 90 days for payments to the wrong account number to find their place but it has been more than that amount of time since XXXX. I had my employer program contact them and they were told the same thing. I have tried calling them and they hang up or say that they cant release any information. 
I have paid off the loan because Im not going to wait until interest starts accumulating to pay it.
Product: Debt collection

XXXX XXXX filed a lawsuit against me without any written notice or communication. I requested validation on XX/XX/year> by certified mail. I received response from the said attorney by XXXX mail on XX/XX/year> dated XX/XX/year> with insufficient validation. The lawsuit was filed on XX/XX/year>. The only way I found out about the lawsuit was through mailed attorney advisements, none came from XXXX XXXX 's attorney XXXX XXXX XXXX XXXX. My consumer rights have been fully violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 147 soft inquires showing on my credit report that are not permissible and where not authorized, experian is constantly changing the information on my credit report such as name, address, credit accounts not reflecting all 48 accounts including refinanced accounts they are just reporting them closed and they are not close, accounts reporting with two statuses to confuse the scoring system as it only scores from any account that has only one status. 

Letter of intent mailed XX/XX/2022 if report is not corrected complaint will be filed under section 609
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT 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 XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX PA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I reached out to the number on my credit report about an old student  debt that was paid off In 2015 Im trying to have it removed from my credit report and Im not getting anywhere. The company said that I would have to speak with the default team to have it removed but I dont believe they will remove it this has been on going for about a year to have it removed
Product: Checking or savings account

USAA closed my account after being with them for 15 years with little to no notification. The only way i found out it was being closed when i went to dispute an unknown charge. I was given no reason as to why its being closed just that it was managements decision and there was nothing that i could do about it. CSR after CSR either couldnt assist me, could not direct me in the right location or even help with a future direct deposit that was coming. One CSR even hung up on me. Though it may be speculation but i was told that this may be due to a fraud check that entered my account where i had been a victim of identity theft and all consequences i had rectified on my own with minimum investigation or support from USAA. Now that it is all said and done, they are not granting me the ability to extract my funds and have left me, while on military orders unable to provide for my family and in further hardship. Ive contacted the XXXX which USAA then gave me a call and told me they will attempt to investigate. Ive contacted them back the next day because the direct deposit hit and Im left with no answer but a later follow up call stating that they are unable to do anything about the account but they will see how to transfer the funds out. Contacted a CSR the following morning and they informed me theres nothing that i can do and that i must wait an additional 10 business days in order for the account to fully close but it can still receive my money but not give me my money.
Product: Mortgage

The fake account lawsuit eligibility and the XXXX lawsuit eligibility. After being told no by Wells Fargo Bank that we are not eligible for the class action lawsuit that the bank opened unauthorized accounts with two savings accounts with my name on them. With Wells Fargo Bank lying about a mediation with XXXX XXXX code XXXX. 
Accounts XXXX savings- XXXX XXXX XXXX XXXX XXXX XXXX XXXX The servicing of our mortgage, the interest rates on many accounts. Which the accounts numbers was changed over and over again. With a forbearance placed on our credit report plus other derogatory information reporting on our credit report for six ( 6 ) years which was removed XXXX and XXXX. 
Three equity lines of credit Four mortgages Lost of homes five ( 5 ) Truth and lending The privacy act Predatory lending Race and age discrimination Disability discrimination
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I am unable to access my Equifax credit report and score. I have attempted to log in and retrieve my report, but I am encountering issues preventing me from viewing or obtaining my credit information. I have tried multiple times and have been unable to resolve the issue. I have also tried using the " Forgot Password '' option and clearing my browser cache, but the issue persists.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I remote deposited an e-check of {$4800.00} from a group of people acting like HR of XXXX company using Chase Mobile app. The status of this transaction was first shown as " Pending '', and then switched to " Completed '' after 1 day. My understand of the " Completed '' status is that the transaction process was completed successfully : The issue bank have finished transferring the fund into my account at this moment. With the deposited money, I then transferred money to the scammers using XXXX ( integrated in the Chase Mobile app ) in two batches, {$500.00} ( XX/XX/XXXX ) and {$2000.00} ( XX/XX/XXXX ), and sent another {$2300.00} via BitCoin ATM ( XX/XX/XXXX ). These money were requested by the scammers to purchase WorkFromHome equipments. But on XX/XX/XXXX, the check was returned as altered/fictitious. I don't understand why the marked the transaction as " Completed '' while it is not, so I believe the Chase Bank should be 100 % responsible for my lost. 

The same cycle happened again and it directly related to the misleading information given to me by the Chase mobile app : I received another check of {$3600.00} from the same scammer group on XX/XX/XXXX, then I sent {$500.00} ( XX/XX/XXXX ) to the scammers via XXXX. 

Fortunately on XX/XX/XXXX I noticed the returned check shown on my screen, and stopped further deal with the scammers. 

To summarize, due to the misleading information given by the Chase Mobile App, I lost {$5300.00} in total plus return check fees charged by Chase bank. I believe Chase should be fully responsible for that.
Product: Mortgage

My HELOC loan From XXXX XXXX XXXX XXXX was transferred to a new company XXXX XXXX ( wholly owned by a company named Mr Cooper ). During that process the new company did not adequately communicate with me regarding the loan and seemed not to understand that a HELOC provides a line of credit to the borrower and was confused when I requested checks. As I am planning on making renovations to my house I decided to open a HELOC with a new provide and payoff the loan with XXXX. As you may know XXXXMr Cooper was hacked on XX/XX/XXXX and took down their systems. I have been unable to contact then to get a payoff or even check on my loan. They have not only disabled their entire online interface, but have also closed their call center, and their automated phone systems has stopped working. The company has provided no information whatsoever regarding the nature of the attack and has provided no guidance or information as to when systems will be restored. This is simply unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a ring from XXXX XXXX in XX/XX/XXXX. I returned the ring within 14 days of purchase and closed the account. I was told all fees and charges would be credited to my account. When I received my XX/XX/XXXXand XX/XX/XXXX monthly statements I saw there was still an outstanding amount of {$2.00}. I contacted XXXX XXXX customer service. They indicated this was a mistake on their part and to please disregard the statements. When reviewing my credit report today I noticed I now have a late fee that has been added and the report indicates I am 30-60 days past due. I contacted XXXX XXXX  again today and the representative stated she inadvertently reported this incorrectly and realized her error AFTER she submitted the information to the credit reporting agencies. The XXXX XXXX   representative indicated she is unable to rescind the submitted information to the credit reporting agencies The rep. indicated they have removed and credited all fees to my account as of today, however I would need to initiate the correspondence to have this removed from my credit reports. The representative stated XXXX XXXX will be happy to confirm this error to the CFPB, FTC, and credit reporting agencies by contacting them at XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$53.00} XXXX XXXX Balance : {$600.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$53.00} XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year> XXXX was attempting to send a crypto payment on my cash app, for furniture. As a logged into my account a popup notification showed up that my cashapp account is being closed due to violating terms. All i was doing was sending a payment, nothing more. Filed an appeal but everytime i request for an update, all i keep getting is the same message that it has been escalated to another department toi take a look at it. It has been month since i sent my appeal.
Product: Mortgage

SN Servicing h as been lying to me thinking I 'm under review for a loan modification/ loan work out since last year and no I found out that they have set a foreclosure sale date for   XX/XX/2017 .   <P/> I also found out that on the notice of sale they have increased my loan balance from {$49000.00} to {$85000.00} in just 3 days.  <P/> Please help me sin ce SN Mor tgage is taking advantage of my and my family.  <P/><P/> Thank you  XXXX   XXXX
Product: Credit card

On XXXX XXXX, 2016, Citibank closed my credit card account in error after I had contacted them asking them to cancel and reissue a new card to me because there were concerns that the previous card ( itself a replacement issued following recurring fraud on my account ) had been lost in the mail. After alerting Citibank to their mistake, I managed to get the account reopened. However, the rewards point balance on my card account was not reinstated, which it should have been because it was Citibank 's mistake to begin with. I have contacted Citibank about this issue multiple times and been assured that the points would be transferred to my new account. However, to this day I have not received satisfactory resolution of this matter - my points have still not been transferred and I have not heard back from Citibank on the status of the transfer. The points are worth a variable amount depending on what they are used to redeem, but a good estimate would be about {$400.00} in most circumstances.
Product: Checking or savings account

On the XXXX of XX/XX/2020, I received an email alert from Bank of America that my account has been overdrawn. 
I immediately lack in to my online account and found out that, there have been series of unauthorized transactions from my checking and credit card accounts. 
I immediately contacted Bank of America fraud department and let them know that those transactions was not from me that there should put hold of those transactions. 
The transactions was send to unknown individuals via XXXX and XXXX. 
Three transactions via XXXX XXXX and four transactions via XXXX.Attached copy of statement highlighted. 
Bank of America issue me a case number XXXX. 
The Bank of America department for Debit card credit {$230.00} for cash app transactions. 
{$3.00} for XXXX has not been credit up to this date. I have requested Bank of America to contact XXXX for the unauthorized transactions to know avail. 
Bank of America requested copy of police report which has been fax to them but have still refused to credit my account. 
I am paying credit card charges for transactions which I didn't authorize. 
Its really unfair! 
-Attached is copy of bank of America Debit card fraudulent claim resolved. 
-Police report -copy of Bank of America statements of fraudulent activities in my account.
Product: Student loan

On Monday, XX/XX/XXXX I reached out to EdFinancial in order to receive a refund for {$10000.00} worth of student loan payments I had made during the pause due to the coronavirus pandemic. My intent was to use this money to maximize the refund I could receive under the recently announced one-time student loan forgiveness. I was informed over the phone that it would take EdFinancial approximately 170 business days to process this request and that I would receive no notifications about the progress of my refund. Not only would this be a financial burden because this timeframe would put the timing of my refund outside of the freeze on student loan payments, but it would also be a major inconvenience as I would have to repeatedly call customer service to track the progress of my request. From what I have heard and read elsewhere, other loan servicers are able to complete this process in 4-8 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct 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. Kindly discard the following accounts immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient is threatening me with reporting it to the Dept of Education.Asking for entire balance " immediately '' Threatening me with paying more interest, Garnishing my wages and other legal action.I have a seasonal job and I am working sometimes only one or two days a week.I 'm struggling to pay my rent let alone feed myself.I need some kind of deferment or loan forgiveness or some relief plan. 
They have given me 30 days from the XXXX. of XXXX 2019 to comply.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I received my results from my dispute with Experian, and it said it remained. I filed another dispute with them to remove this false collection on my credit report, and I would like to file a complaint against them for allowing them to do that. when the debt company dont even have my personal information, correct.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Mortgage

MY MOTHER TOOK OUT A LOAN WITH XXXX  ON XX/XX/1998 AND HAD SINGLE LIFE INSURANCE ON THIS LOAN IN CASE OF HER XXXX WHERE THE LOAN WOULD BE PAID OFF SO THAT MY VETERAN FATHER WOULDN'T HAVE TO WORRY ABOUT ANYTHING. 

LAST XXXX THE LOAN WAS TRANSFERRED TO SHELLPOINT MORTGAGE AND SHE WAS TOLD THAT THE INSURANCE CONTINUED WITH THE NEW COMPANY AND NOW THAT SHE HAS XXXX THEY ARE SAYING THAT IT WASN'T TRANSFERABLE AND THEY NEVER TOLD HER OTHER WISE AND NOW SHE HAS XXXX   XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and I ( XXXX XXXX ) came to an agreement to pay for deletion on account number XXXX. I held up my end of the agreement to pay {$1500.00} within 90 days from XXXX XXXX XXXXXXXX they have yet to inform the credit bureaus of our agreement. I have tried to contact the credit bureaus regarding this matter and have yet gotten a response. can you please help me resolve the issue By Removing this account according to the agreed upon terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX the loan balance was incorrect. This loan was from XXXX. I owe the XXXX. But Navient falsely put on my report that I owed over XXXX. And they continued to do this. I want the account information removed immediately.
Product: Credit card or prepaid card

Citibank has been horrible. I have been trying to pay my bill every month on time. I was told I could always pay the day of and it would apply immediately and my statement would reflect that. Lately they have been holing over my payment and not processing it the same day. When I called, they said it's their policy to not apply payments the day of, even though it was deducted from my bank account when we spoke on the phone and my account was immediately lowered. I would ask what time they reported statements and was told XXXX XXXX. The first month or two I didn't have an issue, but now if I pay the day of, they don't record it and last night they tried adding an interest fee I've never had. I got this card to help build my credit and I don't appreciate them not reflecting my payments in my statement. They also aren't reporting them to the credit card companies so that aggravates me. Even when I pay my bill, I get emails every few days or more saying I am over my limit or I need to make a payment. The wrong balance is usually sent to my email. I have learned to ignore them now, and I'm going to start paying a day early but not reflecting my payments on the day my money is withdrawn and my statement is credited is fraudulent. They literally go back and remove my payment and apply it to the next day. So wrong. My last two months are an example. I paid the day of my statement closing. They took out my money, told me my balance would adjust automatically and even told me my new balance after payment. My account reflected the lower balance after a payment when I would refresh the website but then when I would wake up the next morning, my payment was no longer applied to the day before and my account showed a higher balance. At midnight they must reverse it and re-apply so it shows a higher debt balance?
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$3500.00}
Product: Credit reporting 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. 
Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 


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. Someone used my social security number to open these accounts.
Product: Credit reporting or other personal consumer reports

I had a freeze lifted off my account with equifax on XX/XX/year> and although it shows it is not frozen, when lenders try and access it, it is still showing frozen on their end. Equifax says it is not frozen but when trying to get access it states it is still frozen. I need equifax to fix the issue so mycredit report can be accessed.