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

XXXX Heard about Equifax Data Breach that happened in XXXX - XXXX went to website eligibility.equifaxbreachsettlement.com and received a message our records indicate your personal information was impacted by this incident. For assisted XXXX XXXX XXXX, please call XXXX at XXXX and provide engagement number XXXX. The data breached was Social Security numbers, birth dates, addresses and drivers license numbers. ON XXXX RECIEVED A NOTICE OF DATA BREACH FROM CHANGE HEALTHCARE, THE DATA BREACH INCLUDED Health insurance information, Social security, drivers license, medical records and banking information. Upon pulling my XXXX full credit reports I saw lots of loans i did not request or sign up for. Also saw lots of inquiries I did not apply for. 
Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$7100.00} XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1700.00} XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2100.00} Fraudulent Federal Student Loan XX/XX/XXXX, XXXX PM XXXX https : //www.identitytheft.gov/dashboard XXXX FTC Report XXXX : XXXX 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. My information was exposed in 2 data breach 's and this information must be removed.
Product: Debt collection

HSI Financial called me on today XX/XX/2023. A annoying answering kept calling my phone constant. I never had any dealing or business with this company. So I called back I this company asked for my ssn and dob I refused to give it to them I dont know who they are. When I refused to give them the information they hung up in my face. Very rude and nasty. I want these people to stop calling me. I havent received anything in the mail. I would like to know how this company obtained my personal information because I did not consent to anyone releasing my personal information to anyone. When I find out who released my personal information there will be a lawsuit filed immediately.
Product: Credit card or prepaid card

my complaint since XXXX of XXXX was why XX/XX/XXXX was returned? 

My bank has record of fund received for 24 hrs then returned. I received no alerts of return payment.

Citi bank personal account records show. 
{$31.00} beginning balance * XX/XX/XXXX Mobile Purchase Sign Based XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX Restaurant/Bar {$23.00} remaining balance * XX/XX/XXXX ACH Electronic Debit XXXX XXXX XXXX  XXXX {$6.00} end balance * XX/XX/XXXX Returned Insufficient Funds - ACH Txn By returning the payment Macys then charged additional fees. 
{$24.00} ytd fees XX/XX/XXXX statement on {$10.00} alleged balance. By XX/XX/XXXX statement a {$110.00} charges on the {$10.00} balance. 
This was disputed in XX/XX/XXXX and Macys should have of investigated and stopped collections but continued to add fees until I finally paid {$16.00} in XX/XX/XXXX. My account say in dispute on Macys.com.
Product: Credit reporting or other personal consumer reports

I want to stress that this isn't just a small mistake. The errors on my credit report are causing real problems for me, and the impact has been overwhelming. With everything going on, it's been a huge source of stress.
Product: Debt collection

The debt was charged off by [ navy federal credit union ] and is now being handled by [ XXXX XXXX XXXX ]. I believe the debt has been canceled or forgiven, as evidenced by [ settlement agreement, credit report entries, etc. ]. 
I contacted [ NAVY FEDERAL CREDIT UNION ] to request the required 1099-C form, but they refused to issue it. I need this form to fulfill my tax obligations with the IRS. I request that the responsible party issue the 1099-C.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 30 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of Last Activity/Date Opened/High Balance/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged {$270.00} INTEREST CHARGE ON PURCHASES made on XX/XX/XXXX of {$910.00}. I was never explained that I will pay interest on the whole original purchase amount instead and APY of 29.99 % on balance remaining. This company terms are predatory deceiving and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Checking or savings account

So I have recently opened a Chime account a few weeks ago, and everything was totally fine. I connected my direct deposit, and everything I needed for my money to go through. I wanted to open a savings account as well, and this is where the problem started. Chime had told me the information I gave them ( which was my SSN ) was incorrect, and that I needed to contact Chime support. I instantly went to chat with support, and they told me there was a problem identifying who I was, so they needed a picture of my ID, and SSN. I responded to them no problem and sent everything they requested. This morning, I went to login to my account only to see that it was locked, and I needed to once again contact them, but through email this time. At this point I'm getting fed up, so I call them directly, and I get connected to a representative. They tell me I need to give them a picture of ID, SSN, and a utility bill for proof of residence. I have already gave them my personal information once, I don't understand why they need it again, and I am never comfortable giving my personal information away, especially my SSN to a company more than once, as others would probably agree. I told them I have already done that and asked why they needed my information again, they would dodge the question and just repeat the same thing of " well, in order to unlock your account we need your identification. '' Not only was the representative unhelpful, they were also laughing as they were repeating the same thing over and over again. so about XXXX is stuck in the chime account that I have no access over. This is massively aggravating as I have bills to pay for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I filed for an Auto Loan and I came across discrepancies on my credit report and my credit score. According to the report, I have a total of 8 accounts on my credit file when I have a total of 6. Secondly, I have XXXX XXXX as a satisfied account for my credit and my balance is in good standings. Thirdly, XXXX XXXX should not have screened my credit multiple times when they initially had ran my information on file to share with there sister branches through XXXX. Furthermore, I contacted XXXX XXXX  XXXX about my ambulance bill from XX/XX/2018. They have submitted a payment request last month on the XXXX of XXXX to my insurance and told me they will remove this off my credit once satisfied from pending claim. Lastly, my credit score shouldn't be so drastically different from all bureaus.
Product: Credit reporting or other personal consumer reports

Accounts that are in good standing reporting as late Hard inquiries on my account that I did not authorize Account reappearing on my credit report after deletion Accounts showing good standing with other bureaus but late with this one Closed accounts showing balances
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent correspondance identifie all inaccurate items. As of today over 45 days later I have not received any communication. I feel like Im on a hamster wheel with this issue. I recently found out my information was compromised in the XXXX  data breach and now more than ever I feel my information may have fallen into the wrong hands. I ask for your assistance to get these erroneous/inaccurate items removed from my report.
Product: Debt collection

TAM/XXXX XXXXXXXX XXXX Collection agency put several collections on my credit file without sending me a bill or any type of notification. 
This agency is not licensed or bonded to collect in the State of Texas where I reside and have been residing all of my life. I have requested validation of the debt because on my credit file it only says medical. They wo n't send me anything. They are just ignoring me.
Product: Vehicle loan or lease

I check my credit very frequently, I noticed the credit reporting agencies and credit acceptance has been violating my consuming rights I check my report and they furnished credit acceptance. This car was repossessed they never told me how much I owe, when it was sold and what the balance was if there was any. I should not have a balance because there was a finance charge that I paid. As pursuant to 15 US code 1605 Determination of finance charge, they already got paid. In addition, I noticed that XXXX XXXX when I checked my report it was reporting that this account with credit acceptance Corp will stay on my record until XX/XX/2022. Then I screen shot a picture from my phone on XX/XX/2022 from the XXXX app. It stated that it shall be on Record until XX/XX/2022. XX/XX/2022 when I went to look if it was still there reporting, the space where they actually inform how long its going to be on record its blank. They are not reporting factual information to my report and they using abusive practice according to 15 usc 1692. The banking system is depending on them for accuracy. This account supposed to have fell off already. I am demanding compensation from XXXX for {$1000.00} for damages and demanding credit acceptance to compensate me for the whole entire loan for the vehicle that's already been paid off. I am looking for them to send me back the price of the whole loan or I will take this to court. According to 15 usc 1692i credit acceptance corp have no legal standing against me the COSNUMER in the courts. I am demanding that this account is REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). I have informed the bureau of inaccurate information with a receipt of payment that this debt has been paid in full and they are still reporting it as a charge off. I have sent them a copy and they refuse to remove the inaccurate information. THEY HAVE REFUSED TO REMOVE THE INACCURATE INFORMATION, STATING THAT IT HAS BEEN VERIFIED, WHEN CLEARLY IT HAS NOT. This is clearly a a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). This information needs to be removed immediately.
Product: Mortgage

I initially asked for loan modification in XX/XX/XXXX as my monthly mortgage payments were rising due to escrow balance shortage approx. {$100.00} in 2 years. 
I called them in XX/XX/XXXX and talked to the Loss Mitigation Dept. regarding the conditions of the trial payment period for the loan modification primarily information I received via letter. The letter stated it started trial would begin in XX/XX/XXXX and I asked what about the XXXX payment as I was not late and wanted no issues with being late. I was told to start with the XX/XX/XXXX payment per the letter. 
I made each payment and called each month once the late letters started. I told each CS rep in Loss Mitigation I did not want any issues with payments being late or I would have made XX/XX/XXXX payment.This went on monthly until XX/XX/XXXX. Never when I asked, was I told about I was late and I would have 8 late payments applied to my credit or I would have made XX/XX/XXXX payment. 
This company needs to pull all recorded conversatons for XXXX to review. I also want a copy as they are deliberately not addressing the real issue. Misinformstion to a client by their Loss Mitigation Dept .Why did this Dept not inform me to make the XX/XX/XXXX payment when I first asked over the phone for clarification
Product: Mortgage

Was yelled at on XXXX XXXX by customer service, called a liar, and they told me my account had been delinquent 120 days over 100 times which is a complete LIE. I had XX/XX/XXXX payments that had cleared my bank and still not posted in their accounting system and they were telling me I was giving them inaccurate payment info and that I had not paid on my account when the payments cleared ... I even sent a letter where the payments cleared my bank. They call MULTIPLE times during work hours to a cell phone at work after explicitly telling them not to call that number. They still call. My account has only been 30 days late on a 17 year old account and they treat me like I am a criminal. This company is so much worse then Greentree ever was. I hate these rude XXXX people. Worst company on the planet.
Product: Mortgage

I have already sent in numerous complaints regarding Bank of America and my mortgage problems as you can check via case numbers XXXX XXXX XXXX XXXX XXXX I am being asked to sign a form to voluntarily terminate my FHA mortgage insurance by Bank of Amercia when this has never been brought up before and their reasoning told to me is that it will give them more wiggle room to possibly help me. I have nothing sent to me outlining how this will help me. How will something that is meant to be a source of protection to BOA in case of Foreclosure XXXX which they have set for XX/XX/XXXX? Also, if I were to sign this and they proceed to foreclose how am I protected. I feel like I am being herded in the direction of not only losing my home but ultimate financial ruin. Is this really a viable solution for me? They still are n't addressing the fees they have been charging XXXX erroneously ) since I had a short sale buyer for almost XXXX years via Bank of America Short Sale program in which BOA dropped the ball on so to speak and I eventually lost the buyer in XX/XX/XXXX. I am beseeching help in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

We recently sent a letter to Equifax and XXXX XXXX, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not. We are attaching a copy of the letter that we sent to them.
Product: Money transfer, virtual currency, or money service

Am I wrong to express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that not only has Zelle neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Vehicle loan or lease

Wells Fargo Auto illegally added CPI coverage to my auto stating I didn't have auto insurance. So there are checks owed to me going way back to XXXX one being XXXX and another XXXX give or take a small amount of change. I have spoken to really seemed to be caring representatives more than a month ago who stated the checks have been requested. Again, in Wells Fargo XXXX XXXX is to again ignore my request and have me wait after 3 long years they are still dragging their feet to complete their efforts and show lack of care. I would think after all they deceptively taken with risk based loan financing for indigenous people. I would be sure to receive my uncashed checks that were never sent. I had to call and do the numbers and look through much paperwork to document all is well and it wasn't!!! Like what is it going to take???
Product: Checking or savings account

On XX/XX/XXXX, I attempted opening an account with UFB Direct Confirmation XXXX XXXXXXXX. On the same day, I received an email from UFB Direct requesting for my Driver 's License and a utility bill Confirmation # XXXX. On XX/XX/XXXX, I called UFB Direct, and spoke with XXXX, stating I do NOT have a utility bill in my name, our Utility bill is in my spouse 's name, and asked if there was any alternative to the utility bill. XXXX advised to provide my bank statement instead of the utility bill since I don't have any in my name. I sent in my Driver 's license and Bank Statement but it was rejected. Utility bill was still being requested. On XX/XX/XXXX, I called and spoke with a UFB Direct staff, XXXX, and stated that My bank statement was not accepted. XXXX, advised to take a picture of my physical paper bank statement and send it in, and I did as instructed. On XX/XX/XXXX, I was made aware through an email that my application was declined because they are unable to verify my IDENTITY as required by the XXXX XXXX XXXX ; and that the information I provided was either incomplete or could not be verified. This I believe, is linked to the other individual who has used my Social security Number to open accounts at different financial institutions. I'm requesting that UFB Direct do due diligence to investigate. I'm ready to provide any form of documentation in my possession to help with investigation. Furthermore, I've created a Federal Trade Commission Identity Report. Also, I've requested a CONSUMER DISCLOSURE REPORT from XXXX stating I'm a victim of identity theft, results came in that my SSN was matched with someone else and an investigation was set up. In the next 3 days, I received the result of the completed investigation, confirming that the SSN in question belongs to me and my file with XXXX has been cleared of the other individual 's information. In addition, I've placed a freeze and a security alert on my file at XXXX. This is in addition to the freeze and fraud alert I've placed on all my files with the 3 credit bureaus- XXXX XXXX XXXX XXXX AND XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XXXX of 2020, I borrowed a total of {$2000.00} from these people. 

Then my work was severely impacted by the coronavirus shutdowns. I have already paid about {$500.00} in interest, or about 20 %. 

I've attempted to setup a payment plan with them, but they won't stop the accumulation of interest. They are now saying I owe them {$3100.00}. They will soon double the amount. 

At XXXX years old, I am not optimistic about finding new employment. My hours are starting to come back up, but I'm a long way in the hole. 

All I want is for them to accept the {$500.00} interest I've paid them, and let me repay the loan amount of $ 2000 monthly. 

They have done NOTHING to compensate for the pandemic. Nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my report that was closed XX/XX/2022 however its showing open on my XXXX report. I was informed by the bank to dispute the account so it can be updated as a closed account. 

XXXX. XXXX XXXX  {$3400.00} This Account was closed on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I'm putting down to give my strain concerning the tried records on my credit report. On various events, I have raised the issue of goofs in these records, and have dependably alluded to that they be totally taken apart. Regardless of what my undertakings, I in the end can't get any objective or helpful turn of events. These worked up records are truly hurting my credit report and wrecking my ability to happen with an ordinary life. The horrendous eventual outcomes of these blunders have caused tremendous hardships for me, and I'm left with no choice close to battle for your assistance with changing what's happening at the earliest doorway. I pleasantly request that you lead a total assessment concerning the deciding of these tried records. It is basic that the central advances are taken to revive and address my credit report right away. With your help, I want to restore the precision and decency of my credit archive so I could recuperate control over my money related prospering. I truly request that you propose this matter your by and large amazing suggestion and take a catalyst action. Your coordinated effort and moving in settling this issue rapidly would be hugely critical. Thankful to you without skipping a beat for your understanding and help.