23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. XXXX XXXX Balance : {$7100.00}, XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXXXXXX Balance : {$990.00}, XXXX on Equifax, XXXX, XXXX, XXXX of XXXX.
Product: Checking or savings account

On XX/XX/2021 I received the message from the First National Bank to call the fraud alert department. First of all, I do not have the telephone not do I have a bank account with the bank. I would like to hire is it that illegal transaction can be made and I get a message to call the back fraud department. When I called the XXXX number and spoke to the customer service representative by the name of XXXX she gave me the card number ending in XXXX and was told that it was not in my name. I would like to know the name of the person that did this transaction I would like for charges to be brought against the person that used my number to claim I'm defrauding tax payers of their money. I need to send a message not to defame or slander someone's reputation for their own monetary gains. Let me pick up pennies from the street and call me a bum instead... One of those pennies will bring me my gainful reward not as this person that used my telephone wants to do for herself ... What ever she is hiding we all need to know. We need accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted XXXX XXXX ( Issuers of card ), they have no record of this account. Filed a dispute with XXXX it was denied because I filed an earlier dispute with XXXX XXXX that apparently did not resolve the issue. XXXX denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


XXXX
Product: Checking or savings account

My name is XXXX XXXX. I have been a member of Navy Federal since XXXX. My account has always been in good standing, until i fell on hard times after covid in XXXX. I had to closes my business and during that that time XXXX XXXX XXXX XXXX and wasnt able to work. I have XXXX of my credit cards who went into collections. Back in XXXX of XXXX i just started working and making smaller payments towards the cards. I lost my job again in XXXX and was not able to keep up with payments arrangements. Today on XX/XX/XXXX i woke to my checking account being completely emptied to zero balance, as the recovery team do an adjustment towards the credit card. I dont have money for food, for gas and this was also my rent payment. Im asking is there a reconsideration that can be done where a partial of the funds can be released to me, im a single mom of XXXX with no help. I cant afford not to have any money for an entire week. I reached out to the collection company and made arrangements to pay them weekly until i get life situated again to pay the balance. I have been making phone calls from the collection agency to navy federal, no one is wanting to assist me. I have no money for gas or food. I made an arrangement with the collection company to start paying next week. I received no warning, no one contacted me to even give me the chance to make any arrangements
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with XXXX XXXX with the CFPB back in XXXX and they told me via the cfpb that they requested this account be removed in 60 days, but its XXXX and it is still reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all 3 credit bureaus multiple times that XXXX is wrongly reporting my private loan status/information. The account was opened in XX/XX/XXXX for {$10000.00} and started repayment in XX/XX/XXXX. My credit report states that the account was closed ( and charged off ) in XX/XX/XXXX. It is still on my credit as an open account and reports that I am 90 days late every month and also reports that my account is charged off every single month. 
How can both be true? If the account is closed/charged off then no payments are due. 
Or if the account is open then it hasn't been charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was contacted by XXXXXXXX XXXX about suspicious charges on my XXXX XXXX XXXX. Approximately, {$14000.00} was fraudulently charged. I verified with XXXX that these were not my charges. They stated my address had been changed online and they updated it to my actual address and sent me a new card. The new card was intercepted by the fraudster and mailed to their home. XX/XX/2022 the newly issued card had approximately {$12000.00} fraudulently charged. Again, I called in and verified with XXXX that these were not my charges. They issued me a new card which was intercepted again by the fraudster and on XX/XX/XXXX, {$12000.00} fraudulent charges were posted. I have had to call XXXX 5 different times regarding this. They have nothing in place to verify address changes or suspicious activity on an account that already has recorded fraud. I just called XXXX because {$8000.00} is reported on my credit report. The person I talked to was not from the United States and was very unprofessional and would not answer my questions. He kept telling me my card would not be sent because the account was frozen. I called to find out why {$8000.00} was on my credit report and he became very rude and talked over the top of me and would not listen. I had to raise my voice and talk over him. He told me my fraud charges were under investigation but he would not answer my question as to why, of all of the charges that have been fraudulently posted to my XXXX account, {$8000.00} is hitting my credit report. I would have prefer to speak to someone who is more helpful. I ended up hanging up on him because he was rude, unprofessional, inept and obnoxious.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am having issues with unrecognized accounts and information appearing on my crdit file. I want to block my XXXX XXXX, Corelogic, XXXX credit file and I like a PIN number for the safety and security of my personal information. Please send me a FULL REPORT OF MY CLUE FILE ( XXXX XXXX ), and a FULL REPORT FROM CORELOGIC AND XXXX.
Product: Credit card

Made a payment several days ago. Received an email yesterday stating the payment processed. Money was removed from account. Credit card company states it will take 8 days for payment to reflect on account.
Product: Debt collection

To whom it may concern, We have been in an on going dispute with XXXX since XX/XX/XXXX which has resulted in a wrongful collection debt that has affected my fathers XXXX Security Clearance. 

XXXX has wrongfully sent our account into default despite several of my personal attempts to clear the account based on my cancellation of services request back in XX/XX/XXXX which I personally requested on several more attempts to listen to the call recordings of every person I 've spoken to within the company in attempt to prove my request of cancellation ( " this call may be recorded for monitoring purposes '' ). 

XXXX has continued to charge us for services well into the XX/XX/XXXX year for services in which we cancelled and have severely failed to provide reasonable definition as to why we were being charged. I have spoken to several XXXX members of " customer service, accounts receivable and collections '' and have received different excuses from each representative. Needless to say, two understood excuses I have received : The first - our account was never cancelled, the second - our account was cancelled but showed a debt for un-returned equipment. 

I have attached a notice from XXXX showing the start of service and also receipts for " un-returned '' equipment from the UPS Store. 

I 've asked on numerous occasions to speak to a manager in attempts to resolve the issue and was never able to reach a single one. Each representative " assured '' they showed no reason for debt and each " assured '' they submitted for a reverse of charges. That never happened and I was never contacted to provide proof. 

We believe we were never given a fair attempt to resolve this before being sent to collections and again, despite SEVERAL attempts. 

I have the names of XXXX representatives for most attempts to clarify the reason for debt and in attempt to provide proof of my rightful recordings of saying such cancellation was never given. 

POOR, POOR, Customer Service on XXXX.
Product: Debt collection

In 2018, I was the victim of fraud. My bank at that time, XXXXXX/XX/XXXX, did not allow me to submit a written statement of the crime. The perpetrator, XXXX XXXX, of a bed and breakfast I visited briefly, submitted false evidence to XX/XX/XXXX, made libelous, false claims to my bank. She also filed a false police report with the XXXX of XXXX, CA, after submitting the libelous information in writing to my bank. She charged my debit card, without permission, demanded cash, which I refused. I also wrote her a check while the debit card dispute was pending, which she also deposited and collected. XXXX XX/XX/XXXX, ruled against me in the dispute. I paid for the bed and breakfast more than twice what I owed. XXXXXX/XX/XXXX participated in this fraud on my money and account, by allowing the perpetrator of the fraud to submit several pages of false information, and not allowing me to submit a statement to my own bank, of the details of the crime. I was never allowed to submit my written statement of events, at any point to XXXXXX/XX/XXXX. This claim of me owing money is completely false, as I was the victim of fraud. XX/XX/XXXX actually owes me money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX-XX/XX/XXXX. Then I see another error with Transunion showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.
Product: Credit card or prepaid card

Goldman Sachs Apple Credit Card & Apple Installment Sale : I received a {$10000.00} refund from XXXX XXXX University on XX/XX/XXXX. At the time of the refund, I had a {$4000.00} balance on my credit card from previous purchases. {$4000.00} of the refund was applied to my credit card balance. ( I am ok with this ) Separately, I also had two installment purchases from Apple, also through Goldman Sachs. Both installment sales were 12 month 0 % interest. The first installment sale was from XX/XX/XXXX ( XXXX XXXX ) and had a balance of {$420.00} remaining. The second was from a XX/XX/XXXX for a XXXX XXXX and had a balance of {$3200.00} remaining. 

I spoke with Goldman Sachs on XX/XX/XXXX and requested a full refund and cash return for the {$10000.00}. I was originally told I would receive it. 

On XX/XX/XXXX, I only received {$1700.00} credit reversal to may account. {$4000.00} was applied to my credit card ( I am not disputing this ) The remainder refund balance has been put on hold and will not be returned to me. I have spoke to Goldman Sachs on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have been told that because I have two installment balances, the excess from my XXXX XXXX University refund will be held for the remainder of the life of the installment sales and will be applied against my installment balances monthly. I have been told that this is in the credit card agreement. 

regardless if this is in the agreement, this is an unfair business practice! My refund from XXXX University was absolutely unrelated to the installment sales of the both apple products. As well, I used my card to pay XXXX XXXX University. And then promptly paid off the balance on my card from that transaction. 

I was told 5 times by the Goldman Sachs reps, Supervisors and Manager that they have had several complaints about this practice. 

I am seeking a refund of {$3700.00} from Goldman, which represents my remainder balance from Goldman Sachs {$10000.00} refund and equals the balance of the XXXX and XXXX XXXX installment balances. 

the number to reach Goldman Sachs is XXXX
Product: Credit reporting or other personal consumer reports

delete hard inquiries 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.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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. 

DELETE THE ACCOUNST BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

i keep send my letters in about my account that dose not belong to me at all i have sent two letters in all ready about this Situation on XXXX of 2019 and XXXX, XXXX 2019 these are the account dose not Belong to me at all. 

XXXXXXXX XXXX Never had this card or account XXXX XXXX Never had this card or account XXXX  XXXX / card Never had this card or account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted to Equifax an application I received from their website to place credit freezes on my XXXX  XXXX childrens ' accounts. The application and an FAQ on Equifax 's website directed me to submit the form via mail and to include supporting documents with the application, which included copies of birth certificates and social security cards for myself and each of my XXXX  children, which I did include. I sent this information via certified mail on XX/XX/XXXX and per the USPS it was received by Equifax on XX/XX/XXXX. 

On XX/XX/XXXX, I received letters ( one for each child ) from Equifax telling me that they were unable to process my requests to place the freezes. The letter does not say why they were unable to process the request. The letter asks that I submit additional information. I had in my original application supplied the required documentation. Both the application and the FAQ from Equifax website clearly state that the information I originally provided was sufficient ( birth certificate and social security cards ). 

I attempted to resolve the issue by calling the Equifax phone number provided in the letter. My first call was not resolved because the agent I initially spoke to was transferring me to a supervisor, who did not pick up the line. I was on that call for 30 minutes. My second call also was not resolved when the initial agent was to transfer me to a supervisor and also call was not picked up. That was a 20 minute call. The third call I made the initial agent refused to transfer me to a supervisor. Another 20 minute call with no resolution. In all cases the agent only referred me to the letter I received in the mail and instructed me to submit more information. In all cases the three agents had heavy foreign accents and did not seem to comprehend the issue or questions I was asking, why I asked for a supervisor each time. 

Is Equifax intentionally misleading in their information on their website, by not providing clearer instructions? Why is this process so difficult when it is so important to protect my childrens identity? Is Equifax more incented if there is future fraud on my childrens accounts versus protecting them now? Should I be comfortable providing personally identifying information to overseas customer service agents?
Product: Checking or savings account

I accidentally mobile deposit my cashiers check which was from my saving acc twice with Wells Fargo and XXXX XXXX for {$1500.00} XXXX deposit with Wells Fargo XXXX XXXX XXXX Funds received and used 2nd deposit with TD bank XXXX XXXX XXXX Funds were returned charge back XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX Wells Fargo withdrawal {$1500.00} from my business acc ends in XXXX funds were never credited back to my account All claims were denied with Wells Fargo Wells Fargo Perform acts of unfair practice As well as fraudulent acts
Product: Mortgage

To Whom It May Concern : I have nowhere else to turn. My current mortgage lender ( Mr. Cooper ) has me over a barrel. Ive been trying to refinance for the past 2+ years, but every time I try, Mr. Cooper puts up a road block. 

What happened most recently, I make weekly payments for my mortgage, but in the month of XX/XX/XXXX I had one weekly payment reversed which resulted in a partial payment for XX/XX/XXXX and thus triggered a 30 day late status. 

Mr. Cooper did send a letter about the reversed payment, but I was unaware of the letter because I spent 3.5 weeks traveling in XX/XX/XXXX. Also, the letter that I received from Mr. Cooper was dated XX/XX/XXXX ; well past 30 days late and didn't give me an opportunity to rectify the payment issue. I was unaware the check was returned until I received/saw the letter. As soon as I came home, I saw the letter and made the payment right away. The payment was made on XX/XX/XXXX and that was for the balance of the XX/XX/XXXX payment ( the other weekly XX/XX/XXXX payments went through ).

I made a good faith effort in paying on time for XX/XX/XXXX, but due to Mr.Cooper notifying me after the fact, it made me miss the full XX/XX/XXXX payment by a few days. 

I can't seem to talk directly to the department within Mr. Cooper that investigates and reports to the credit bureaus in order to explain what happened. I keep getting the run around when I try to call in.
Product: Credit reporting

I just had a back grown check on me for a job and in getting a copy of the report, I see that it has a listing showing me living in XXXX. I have never even been to XXXX. I would like this taken off my Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX collection agency ( Credit Collection Serv ) add a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( Credit Collection Serv ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Product: Vehicle loan or lease

2017 My first lease with XXXX XXXX I received 3 tax amounts from city of XXXX XXXX. XXXX paid 2 of the amounts and had me repay them for the town taxes. I never received credit for any of those payments at tax time. I continued my next lease with them as I understood their processes to pay them tax back when able. 
They must have changed the process and did not notify people. I am now told that my payments made on time are not on time as my money was applied to town taxes. I explained to them that even town taxes don't work that way and if you don't pay you will deal with the XXXX yourself. I am not sure why they are stressing out consumers with the on going pandemic, recession and life? I promise I will not go back to them next lease!! I was informed that if I don't pay the tax part because that is the part they are looking for that I will be in default of my lease loan? I have 15 days to do this in. 

I feel taken advantage of, oh and my car payments are {$420.00} monthly and I make XXXX an hour. XXXX XXXX  and divorced!
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. these fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, Where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

This is a complaint that I thought was done and over, I just received another collection letter from a Century Link collection bill Via : EOS CCA, Collecto, Inc. I never received the modem or the services at that time that these charges occurred. I am currently a XXXX XXXX customer and thought this issue was resolved until I opened my mail yesterday. I placed an order to XXXX XXXX back a few months after I moved into my home in 2014. I went months without internet if it was n't for convenience, and it was inexpensive enough I thought. I do n't really do anything but watch movies and pay bills with it, I 'm not on any social media, I 'm not a gamer. Ironically I am using XXXX XXXX right now to type this. This bill has been ruining my credit for years and I did n't know it. I Ordered XXXX XXXX in 2014 the modem was supposed to be sent out, It was never sent out, someone was supposed to check my service outside only, at no charge they said they had n't made before my first call. They even said they were going to expedite my services to that weekend I would get my modem in 3 days. I was busy working I almost forgot about it completely until I really needed the service I called and asked the lady what happened I thought the modem got stolen off my door step, she said she would check my order " it was never even sent out '' and they would send it and it would be " Expedited '' again, it did n't arrive again ( huge fail ) it was over a month until services started. Long story long They tried collecting in the past and realized their mistake apologized made up for it a little then made the same mistake a little over a year later and continue to ruin my credit.