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

I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. <br>XXXX XXXX XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX-XXXX XX/XX/2018<br> <br>XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XXXX XX/XX/2018<br>XXXX XXXX XXXX XX/XX/2018<br><br> I did NOT sign anything!!

These inquires need to be deleted from my credit reports as soon as possible
Product: Mortgage

I filed for a short sale with  Shellpoint Mortgage Services  and they have continuously put me in a run around. I have supplied a buyer and they are still postponing the approval by stating it has to get approved by a supervisor, investor,  manager, etc. I have advise them repeatedly I may lose my buyer and they do n't care. They stated they have tried to call me which I can supply p hone records to show they have not. My lawyer has called continuously to see what we can do to move this along and they keep giving her the run around. I believe they are trying to push me in foreclosure even though have been approved for short sale and supplied a buyer. I have a  XXXX   XXXX  mortgage and they have extended this well past the 60 day approval process. I 'm in need of assistance badly.
Product: Checking or savings account

This complaint pertains to previous complaint XXXX. The CFPB informed me that Wells Fargo had responded to my complaint, and there were supposed to be three attachments provided by Wells Fargo on the complaint, but the links to the attachments were not clickable -- they did not link to any attachments or documents. Obviously, there was a glitch or omission on Wells Fargo 's part which caused the attachments not to be viewable.

Here are the names of the three failed attachments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need Wells Fargo to respond again, this time with valid links to the attachments.
Product: Credit reporting or other personal consumer reports

I noticed multiple unauthorized inquiries on my credit report and I would I like them removed
Product: Vehicle loan or lease

Hello My daughter has a car loan with ALLY/XXXX. The first payment was due in XXXX. 
She paid it on the company website as requested. XX/XX/2019. 
Second payment XX/XX/2019. What happened next caused the problem. 
Payments were reversed from them to us. XX/XX/2019. And Returned on XX/XX/2019. 
Again reversed for the payment on XX/XX/XXXX, and again for the payment on XX/XX/XXXX. 
We have made the payment they way they asked. On the company website. 
Now we are constantly in arguments with them because they want to charge late fees for all the payments. And constantly call us demanding payments. We have made the payments in good faith to them. We can not control mistakes on there side. We have not been given an explanation as to why they keep reversing the payments. This is just becoming a major harassment issue. Thank you XXXX XXXX XXXX my cell XXXX ALLY Financial
Product: Mortgage

The contract the bank biased the loan on is invalid contract. It has no start and stop date, no 3 day recession. No contractor name, no license number, no proper estimate, the language is wrong, things have been scratched out. Also I was offered money to sign the loan documents. Corhersion. 
Offered XXXX XXXX and XXXX. My loan is overcharged. Wire fraud. Fraudulent Fha loan.
Product: Credit card

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Subject : Request for XXXX Paperwork for Charged Off Debt Account Number ( XXXX ) Dear Sir/Madam, I hope this letter finds you well. I am writing to request XXXX99 paperwork for a charged off debt account number associated with my account. The account number in question is XXXX. 
As a responsible taxpayer, it is essential for me to ensure that all relevant tax documents are accurately filed. Given the change in the status of this debt account, I kindly request that Regions Bank provide me with the necessary 1099-C paperwork at your earliest convenience. 
Please find the details of the account below : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX I would appreciate it if you could expedite this request to ensure that I have ample time to include this information in my tax filings for the current year. If there are any additional forms or procedures required from my end to facilitate this process, please do not hesitate to inform me. 
You can reach me at ( XXXX ] if there are any questions or if further information is needed regarding this matter. 
Thank you for your prompt attention to this request. I look forward to receiving the necessary paperwork from Regions Bank soon. 
Yours sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, P.A., XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, has reported to my transunion with a XXXX increase to my balance. The balance is charge off as bad debt as they mentioned on previous complaints.My credit score has went down 80 points like previously with my XXXXXXXX XXXX corrected my XXXX but they caused my transunion to go down 80 points from a old charge off. Charge offs shouldnt change amounts month to month so unsure why my balance increased by XXXX effecting my credit by 80 points.It doesnt make any sense for a old debt to keep changing and effecting my credit score. I understand it will be on my credit file but for XXXX to continue to make changes to the account and hitting my score is unfair. This is my 2nd time with this issues with them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX dispute letters were sent to all three credit bureaus XXXX, TransUnion, and XXXX. In response, they sent a frivolous letter stating they would not honor the request to investigate the consumer report. In turn, I sent them a failure to respond letter. Now I am initiating a complaint through the CFPB because they did not honor my request to investigate. Because of this it is hindering my ability to take care of my family and causing emotional distress. Based on this incorrect information in the consumer report.
Product: Credit reporting or other personal consumer reports

I received a notification that my score drop XXXX points without any information I contact transunion and they said they didn't know why my score drop I also stated everything has been paid on time and I'm not over my credit card limit
Product: Checking or savings account

On XX/XX/XXXX I discovered a withdrawal of about {$2900.00} from my checking account ending in XXXX labeled Miscellaneous Adjustment Debit - nothing - no indication how or why money had been withdrawn. I have been a customer of US Bank since XX/XX/XXXX and this has never happened before - ever. 

After many calls to US Bank I was referred to a number XXXX - after calling speaking with XXXX I was told their unit had offset funds from a reserve line account which was overdue and now paid and closed. 

The agent advised I had been called in XX/XX/XXXX and had not cooperated with that office. I have one line of credit on which I have a payment agreement with US Bank and on which I have been paying every month for several years. 

US Bank has provided no accounting ; no letter ; no detail and no prior notice. I do not know even whether this unit or office was US Bank or whether any withdrawal was authorized. This out of the blue event will cause me immediate serious problems with paying Medicare ; my mortgage and other serious bills. 

I am familiar with right of offset but US Bank or whoever this is has done nothing to explain why out of the blue this action would have been taken. NEVER has this ever occurred or been mentioned to me before. 

I feel as though someone has stolen money from me. US Bank conduct here is that no one is accountable for any attempt to explain or help. 

I was referred to page 33 of a 50-60 page agreement which I did not have ; follow up with local branch XXXX did not help - they advised they would look into this and gave me the customer agreement of some 50 pages. The representative said page 36 applied but I simply did see how or why - the language read with other language only made the situation more confusing. 

Please assist. I have hit a brick wall.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT SHOWS LATE PAYMENTS. THIS ACCOUNT HAS NEVER BEEN LATE NOR HAS ANY PAYMENT EVER BEEN MISSED.

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 an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector of the express permission of a court of competent jurisdiction, a debt collector man not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached letter. XXXX reflects they did not have written authorization to access my credit report. XXXX reflects in letter they had a verbal permission to access my credit. FCRA clearlly states that written instructions is required unless a person ( and not a company as XXXX ) has met the permissible purposes required to access one 's credit report. 
In addition, XXXX then contracted XXXX XXXX to access my credit report on their behalf. XXXX XXXX is a group of companies under one company who then has access to my personal information. I never gave permissible purpose to XXXX XXXX or XXXX to access my credit report and the CRA 's need to remove inquiries immediately.
Product: Debt collection

These companies has added fees, purchases, and other false charges and attached it to my credit report. Nobody will give me any bank statements or proof of the amounts. These companies are horrible. I do not recommend anyone using them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Researching the Cornavirus Cares Act it includes late payments not being reported on a persons credit report I am asking for help to clear the late payments included in the attached letter. 
during XXXX & XXXX corona virus pandemic I have been with Capital One for many years and until i suffered hardship during the corona time i was perfect customer and AFTER the pandemic setback i brought my accounts current and have been ontime ever since Please enclosed in the letter is request for relief of Goodwill on my late payments to be removed from my credit reports due to the Cornavirus Cares Act Thank you XXXX XXXX
Product: Debt collection

I have three accounts under collection that is showing up in different credit Bureaus. I have tried to reach out to the company who has hold of these collection accounts by sending 3 rounds of letters to the credit Bureaus, XXXX, XXXX and XXXX to ask the company for debt verification and the original contracts to proof validation of these collections accounts but they have failed to provide the requested documents at all three times. there is miss-reporting of these accounts. Three accounts shows only in XXXX and XXXX but not being reported to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block , Inc . ) Due to inadequate customer service and unfair practice, which violates the consumers financial protection act ( CFPA ). Specifically. Cash app. failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore. their dispute resolved process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer Act ( EFTA ) and regulations E. These actions have cause significance. inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial concern was that the point of filing for my ssn appeared to be incorrect when I was attempting to initiate a login for medical information, which prevented me from being able to access that information. The questionnaire indicated that it was using information from Experian. Subsequently I logged into the Experian website to attempt to correct the information, however since this was an ssn related issue, the website indicated I should call a toll free number, on doing so, I was provided a long dialog, but no way to communicate with anyone. When reviewing information on the Experian website, I also found that there was an additional ssn associated with my information. I would like to correct this, however it doesn't appear that Experian is even interested in communicating with the people whose lives they are disrupting.
Product: Credit card

On XXXX/XXXX/XXXX we purchased a refrigerator and dishwasher at XXXX XXXX in XXXX, PA. The purchase price was {$2700.00}. We financed the purchase with brandsourcecard.com based on the dealer 's recommendation. The promotional financing was 12 months no interest with payments required. The promotional expiration date is XXXX/XXXX/XXXX. We are making payments. The merchandise was very late being delivered. The refrigerator ( the bulk of the purchase price ) was n't delivered until XXXX/XXXX/XXXX. I called XXXX and asked them to correct the interest start date to XXXX/XXXX/XXXX and the promotional expiration date to XXXX/XXXX/XXXX but they refused to make these changes. I would like those changes to be made because it is unfair to penalize us for the dealer 's XXXX delay in delivery. I would add that the dealer never communicated with us about the delay until we reached out to them.
Product: Debt collection

I owe a fairly large amount of money to Navient but there aren't any issues with repayment, nor has there been an attempt to renegotiate any existing repayment options. Out of the blue today I've received a phone call from a " XXXX XXXX '' to inform me about the changes about to take effect and to call back to discuss renegotiating my repayment plan. 
Obviously this seems to be a scam and googling the number shows that " XXXX '' has been very active over the past few days. The call came from an " Unknown Number '' and left a XXXX number to call back including a 'case reference number ' ( that apparently everyone received that was called by this number [ XXXX ] ). 
This is the transcript : Yes this is XXXX XXXX I'm calling in reference to your federal student loan. I need to discuss your repayment options with the new changes that are taking effect. Be sure to give me a call at XXXX with your reference number of XXXX. Thank you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the XXXX XXXX. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. XXXX XXXX told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.
Product: Checking or savings account

I did not sign up for overdraft protection on this account, and yet, they paid {$8.00} and {$10.00} transactions and then charged me {$36.00} SIX times plus added a {$34.00} service charge for the excess transactions which they initiated not me. 

I have now lost {$250.00} to Truist Bank! It's like they stole money from me and I'm helpless to recover it. I called and they told me an algorithm says they can not return any of these fees... They literally stole over {$250.00}!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which compromised my personal information, and the entries detailed herein are fraudulent.

Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked from my credit file. 
XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$32000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} Unauthorized Inquiries : XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 lates on my Chase Mortage dated back XX/XX/XXXX and XX/XX/XXXX 2013. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. 

Chase refused to remove the lates of my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I paid XXXX to XXXX it shows on the system it was taken. XX/XX/year> SO today I received an email saying I'm delinquent. This program started on XX/XX/year> & the payment wasn't due until the XXXX. I tried to pay it early no the payment only comes of on that day. I had the funds available it was taken. So for me to get an email saying I didn't pay unacceptable. XXXX by them doing that push my credit score down. Now why would I sign up for a credit boost to allow the company to say I defaulted on a installment loan that I can even used the money or card until after XXXX payment. So they are getting over on me the consumer.
Product: Mortgage

I spoke with my current loan company about a trial payment plan multiple times. I am in a 3 month trial to lower payments. I asked three different people if this program could affect my credit. I was told no by three different people. No where on their terms does it state anything related to credit impact and only after a month of starting this program would they even send me a statement which showed they wouldn't apply my payments and it had negative impact. This is unfair as I was trying to get all the information from this company before agreeing and I was made to feel like I was XXXX asking these questions. Lakeview Loan company is who I work with
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX  Date fraud began XXXX Date that I discovered XXXX Total fraudulent amount : {$500.00} Company or Organization : XXXX XXXX XXXX Date fraud began:XXXX Date that I discovered it:XXXX Total fraudulent amount : {$5300.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/2024 Date that I discovered XXXX Total fraudulent amount : {$320.00} Company or Organization : XXXX XXXX XXXX Date fraud began:XXXX Date that I discovered it:XXXX Total fraudulent amount : {$220.00} Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4
Product: Debt collection

Visited XXXX for consultation for upcoming XXXX XXXX. Primary and secondary insurance paid in full. A year after the fact I get a notice for a collection agency stating I owed the provider {$270.00}. On seven occasions from XXXX XXXX XXXX ( see attached letter ) I contacted my primary insurance, and they said I owed nothing. On four occasions from XXXX XXXX XXXX I contacted the provider to no avail. I contacted XXXX who provided no help or resolution. I also contacted the collection agency to no avail. 

XXXX  place a delinquent note on my credit report for the {$270.00} which is unfounded and has affected my credit score. I was informed it would stay on my record until some date in the future. 

I have attached the same documents for your review that I have provided all parties multiple times.
Product: Debt collection

Despite multiple requests, I have not yet received valid information proving that this debt belongs to me.For three months I have been asking NATIONAL CREDIT SYSTEM the Proof of Ownership : Detailed documentation that proves the debt belongs to me. 
Account Statements : Copies of the account statements from the original creditor. 
Detailed Breakdown : An itemized statement of the amount owed, including any interest or fees added. I have not received a response with this information.
Product: Debt collection

I am not liable for this debt with midland credit management. I do not have a contract with XXXX XXXX XXXX They did not provide me with the original application with my signature like i asked. 

A dispute letter was sent out to the debt collectors. this Unauthorized Account is reporting negatively to my credit report and i would appreciate it if this account was deleted off my credit report. 

Date Account was opened XX/XX/2020 Amount they say i owe {$740.00} Debt Validation letter
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB  APPEARS ON MY CREDIT REPORT AS HARD INQUIRY... I NEVER REQUEST A CARD WITH THIS COMPANY NEITHER HAVE A CREDIT OR DEBIT CARD WITH THEM