23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX-called Bank of America to inform them of a cancellation of continuous payment on the amount of {$92.00} from debit card. I was informed I need to do a stop payment in order for this to happen. The withdrawal date was to be XX/XX/XXXX. Three days before transaction was to occur. I was charged a {$3000.00} fee for this and I was told by the bank representative that a stop payment had been issued and no further transactions will occur with that particular recurring payment. 
XX/XX/XXXX-checked my banking online and what happened? The transaction in the amount of {$92.00} was processed and deducted from my account. I called the bank and I was tools I needed to get ahold of the company and inform them of the revocation of continuous payments to stop. I explained to her that I had emailed a letter in which to stop deducting from my account for the XX/XX/XXXX withdrawal and all future transactions. She told me they would credit back my account in 1 business day but they have to Le it go through as a debut charge. I needed that money today for an emergency expense but now I have to wait one business day to access that money. Tomorrow is Saturday so I wont receive funds back into my account until maybe Monday, XX/XX/XXXX. Can they do that? I thought if I told my bank to stop deducting on a continuious payment they have to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several copies of my current FTC Identity Theft Report to Transunion, along with a personal statement that I did not authorize the accounts listed thereon to be opened or used, and proof of my identification in the form of copies of my valid drivers license. I have used several different methods to send them my ID Theft Report, including regular mail, fax, and their website 's upload feature. I have called them several times, and each time they claim that they do not have to follow the requirements of FCRA 605B. This is despite the fact that they acknowledge that I have sent the proper documentation required under 605B ( a ) for blocking fraudulent accounts. They have cited none of the reasons for which FCRA 605B ( c ) would allow them to deny a block. Even if they were to cite any of these reasons, they have no evidence to invoke them. As a military veteran, I am shocked and disgusted that a large, supposedly trustworthy company, operating within the United States, would willfully ignore a federal law that applies directly to them. The four days Transunion had under FCRA 605B to remove the fraudulent information has long since passed. If this not resolved quickly, I will be suing Transunion in federal court for willful noncompliance pursuant FCRA 616.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

I was in a refinance process with US Bank between XX/XX/XXXX and XX/XX/XXXX. I already had my original mortgage with US Bank, so all the information was there to refinance a new one. Long story short, my escrow fund for XXXX was put toward payoff of the new loan without my permission or knowledge. I repeatedly stated I wanted to make sure I had XXXX tax money to pay them in XXXX. Ultimately, I was informed after closing that my escrow I had saved up until XXXX of XXXX was gone and I had no tax money to pay for those taxes. I have attached more details to the process below. 

I have had correspondence with Customer Advocacy through mailed documents only and have found it hard to even talk to a person about filing a complaint or someone who even knows what their process is. Basically, they have said we are sorry, but there is nothing we can do.
Product: Checking or savings account

XXXX contacted me and told me that USAA forced them to pay XXXX to them in a fraud dispute that I made for never receiving a package. XXXX contacted the seller 3 times asking them to send me my package or issue a refund. XXXX never issued a refund knowing that I never received the package. My bank However USAA canceled the dispute saying I didnt have a fraud dispute because it was a knowing authorization. So why did USAA fraudulently collect money from XXXX anayway? This stopped me from getting a refund from XXXX and the bank knowingly stole my refund and then cancelled the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve been dealing with this matter since XX/XX/2015 to present. Its a run around with XXXX XXXX. 

XXXX XXXX XXXX XXXX RE : XXXX XXXX its reporting inaccurate information to credit agencys As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and 2 is pending to transfer the loans to another claim office, and then the inaccuracy reporting that shows on my credit reports as well. Meanwhile as to reviewing my credit report, again its shows 2 open student loan accounts, and as a result its lowering my credit score added. However, I ve tried several times to track down the various loan holders and its always a dead end. Nonetheless, XXXX XXXX XXXX does claims they ve tried to retrieve my last two loans  from both XXXX XXXX XXXX and XXXX XXXX XXXX, yet this process will take from 30-150 days and when the debt companies do fail to reply, then they will resubmit the same process again. Nevertheless, theyre given the run around and its effecting my credit reporting overall. However, below is an ongoing Value Chain process with my current student loans activity : The XXXX XXXX XXXX sold my loan to a XXXX XXXX XXXX, then wholesaled to another debt company called, XXXX XXXX XXXX XXXX then resold to XXXX XXXX, and finally the loan should ve came to XXXX XXXX XXXX XXXX XXXX that would ve closed all accounts, yet were never received.
Product: Mortgage

I have XXXX complaints regarding, 1. Mismanagement of my payments, and 2. the refusal of DiTech to send me mortgage statements and full disclosure of my account, prior to, during and after my bankruptcy and 3. the rude, disrespectful, callous disregard of my requests to resolve the aforementioned matters. 
Customer Service : DiTech Financial LLC, XXXX. XXXX XXXX, XXXX XXXX, S.D. XXXX Bankruptcy Correspondence Address : DiTech Bankruptcy Department, XXXX. XXXX XXXX, XXXX, South Dakota, XXXX When DiTech Financial took over payment management from Green Tree, I was and have always paid my mortgage 2 months in advance. Therefore if my billing stmt was XXXX/XXXX/XXXX, my due date was XXXX/XXXX/XXXX. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX DiTech took one whole principle and interest payment and mis-applied it without my consent. Therefore I am only 1 month in advance. Since bringing this to DiTech 's attention via phone calls ~ they have ceased sending me mortgage statements. I have not received any mortgage statements for XXXX/XXXX/XXXX to present XXXX XXXX. 
2. My bankruptcy was discharged on XXXX/XXXX/XXXX. I have been paying my mortgage without billing statements faithfully every month, throughout the bankruptcy. To date Di Tech refuses to respond to resolving the mismanagement of my payments, and to provide me with billing statements, and full disclosure of all my mortgage records from XX/XX/XXXX through present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out Transunion several times, sent several letters no response in reference to incorrect public records and accounts listed on my reports that don't belong to me. I have already placed a fraud alert on my credit as well as I asked that consumer statement on my report be removed. At this time I am trying to purchase a home and obtain credit for a mortgage and due to incorrect information being listed on my report I am unable to complete that process. 

I never filed bankruptcy not mines USBK CT XXXX XXXX not mines XXXX XXXX not mines XXXX  not mines XXXX XXXX not mines XXXX not mines
Product: Debt collection

I sent 3 letters asking Midland Credit Management to verify XXXX debts that appeared on my credit report because I have absolutely no knowledge or recollection of them. I sent the letters with a tracking receipt. XXXX XXXX XXXX sent me the same letter in response 3 separate times. I am unsure how to proceed with them but I definitely want to clear my name. I do n't think that they are following the law and I wo n't pay a debt that is n't really mine. I 've heard how unscrupulous this company can be and I would someone to investigate to help me get to the bottom of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a legally XXXX XXXX that has had suffered identity theft. My XXXX include mental and physical, meaning that i spent all my education until XXXX XXXX under special education due to my capabilities. My brain damage does not allow me to read, write nor comprehend any paragraphs of any form. 
Been legally XXXX since i was XXXX XXXX XXXX and my medical records are living proof of it. I collect social security XXXX benefits for that reason, the credit bureaus keep sending all collections to collection agencies and it seems like i cant get them off my hair. They are aware of my mental limitations and XXXX and they still keep sending reading and signing material to me. I am mentally challenged and they can verify that by having their legal and medical departments contact or subpoena my medical records. 
I meed this to be repaired or taken off my credit report that has affected my adult life. I had to spend two years being homeless due to my credit incorrect reports. I am basically having troubles getting a decent life due to that problem. I demand some assistance so i can qualify for some decent and better life as it is my right. 
Thank you XXXX XXXX XXXX
Product: Debt collection

this is not my debt - I never authorized anyone to call me about a XXXX credit card that is not mine/nor am I affiliated with the debt owed, the # that called me XXXX I want to be taken off the calling list
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I discovered these accounts on my credit and they do not belong to me. Ive reached out to the company several times! 

1.XXXX XXXX XXXX XXXXXXXX {$810.00} 2XXXXXXXX XXXX XXXX XXXXXXXX {$170.00} 3.XXXXXXXX XXXX XXXX XXXXXXXX {$15000.00}
Product: Credit card or prepaid card

Dear CFPB, This letter is a complaint regarding the Wells Fargo Bank XXXX XXXX XXXX 's negative handling and lack of response to disputes between customers and merchants, where they simply collect salaries without performing their duties. 

Recently, I made a purchase from a merchant on XXXX. The seller claimed to offer free returns and a 75-day buying protection. However, when I tried to return the item a month later, I discovered that the seller did not honor their guarantee of free returns and even refused to accept the return. I have already filed a complaint with the XXXX, but XXXX has never responded to any of the consumer complaints and continues to conduct business in the United States. 

Frustrated by this situation, I had to initiate a dispute. However, during the process, I found that my bank was handling my dispute in a passive manner. They readily refunded for inexpensive items but claimed to have filed a case for larger amounts after I provided details over the phone. 

After waiting for several weeks without receiving a claim ID email, I made two phone calls to inquire about my ID. Surprisingly, the bank informed me that they were unable to provide a claim ID. I asked them how I would know if they had completed the work without a claim ID. During the phone call, I provided all the details I knew when I submitted the dispute, albeit only verbally. The bank 's passive handling involved categorizing these cases as " lack of evidence '' and deliberately disconnecting calls, stalling the process until I asked again, only to be told they couldn't provide an ID. It seems that this bank employs these complex and burdensome tactics to discourage new immigrants from pursuing disputes, thus reducing their workload. 

If such difficulties arise during the application phase, I seriously doubt their ability to handle my dispute. I request that the authorities exercise oversight and management of banks, preventing them from resorting to such unethical practices of reducing their workload by exploiting language barriers faced by new immigrants while still collecting fees without fulfilling their responsibilities. 

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

Please note that the following companies ran unauthorized credit check on me, They are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX
Product: Student loan

I borrowed {$10000.00} and with interest occurring loan is up to XXXX. I've been making payments and most of the payments is credited to the interest. I tried talking to the lender to see if the interest rate could be reduced or if we could turn the loan into a fixed rate loan so that I may pay the loan off in 4 years without steady occurring interest. But they told me they can not do that and since the loan is current there is nothing they can do for me. I contacted them on XX/XX/2021 is the most recent time. There has been one other time I spoke with them but I can't recall the date. I would appreciate any assistance in helping to resolve this problem.I 'm on a fixed income and the person the loan relates to is unemployed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with Nationstar Mortgage was in Forbearance. Before the end of the Forbearance period, in XX/XX/XXXX, I sold the property and the loan was paid off. Nationstar reported my loan 90-days late in violation of the C.A.R.E.S. Act. I contacted Nationstar by phone on XX/XX/XXXX when I checked my XXXX  score and was shocked, and sent information to an email address provided by the XXXX. I received no acknowledgement or response, and the message did not bounce. I followed up on XX/XX/XXXX by email and still have not received any correspondence from Nationstar.
Product: Credit card or prepaid card

Credit Card : XXXX XXXX XXXX. XXXX Account XXXX. 

A cosmetics company charged my credit card when I specifically told them not to. I disputed the charges, totaling roughly {$400.00} to Discover Bank. They gave me a temporary credit and notified the merchant. 1 month later, the merchant ressonded with " screen shots '' of their website ( nothing more ) and XXXX reversed the charges. The merchant provide no evidence that I gave permission to charge my card, nothing with my signature. 

On appeal, i sent XXXX evidence that this merchant was a scam and has scammed other people. They ignored me saying that " THEY ALREADY KNEW THAT ''. Really ... already knew that? Then why are n't you canceling these charges I said. They have not responded since. 

I was on the phone at the beginning with this merchant and warned them DO NOT CHARGE MY CARD. They did it anyway after they tricked me.
Product: Credit reporting or other personal consumer reports

Subject : Defamation of Character - Request for Correction of Credit Report Dear Sir/Madam , I am writing to formally request the correction of false and defamatory information that has been included in my credit report, which is under my name and associated with my Social Security number . This incorrect information is negatively impacting my reputation and has caused me significant distress. 

Specifically, the issue involving lowing my credit score. This information reported violated my rights as a consumer reason why I had it removed from my report. 

I respectfully request that TransUnion immediately investigate this matter and correct the inaccurate information from my credit report. I also request that you notify any third parties who have received this incorrect information about the necessary corrections. My right to privacy according to FCRA was violated as well which has caused distress and harm to my name. 

Please confirm in writing that you have received this and that you are taking the necessary actions to resolve this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the handling of my credit report disputes by the major credit bureaus, including [ Experian, XXXX, and XXXX ]. I believe that the credit bureaus did not conduct a thorough and complete investigation into the items I disputed, as required by the Fair Credit Reporting Act ( FCRA ).

After conducting my own investigation, I have gathered substantial evidence proving that the credit bureaus did not meet their obligation to investigate my disputes properly. Despite my submission of detailed information and documentation supporting my claims, the credit bureaus failed to correct the inaccuracies in my credit report. As a result, the disputed items remain on my credit report, which has caused significant and unjust harm to my credit standing.

I am requesting the immediate removal of all the disputed items from my credit report, as the credit bureaus have not fulfilled their legal duty to investigate these disputes adequately. I trust that the CFPB will take appropriate action to ensure that my rights are protected and that the credit bureaus comply with the FCRA. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

There are several hard inquiries om my Eqifax, XXXX, and XXXX that I did not authorize. Every hard inquiry not linked to an active open account need to be DELETED immediately. A list of the hard inquiries should be shown in the credit bureau database. My credit matters and is important to me. 
Apply these laws : 15 USC 1681 ( N ), 15 USC 1681 C-2
Product: Credit card or prepaid card

I used AMEX online chat comfrim I have offer spending {$4000.00} and I will get XXXX XXXX XXXX when I add additional card. I added additional card at XXXX XXXX atfer I spend {$4000.00}. I didn't recived any points. I check every month and online chat with they customer service. every time they let me check with 8- 12 weeks. until today I talk to customer service again. this guy told me the case was closed XX/XX/22. and they tagged as a Non-Amex error. 



Case ID : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account numbers starting in # XXXX Is inaccurately reporting to my credit bureau Dates are wrong an incorrect for starters my credit file is taking a hit up and down daily with this companys issues in accurately reporting Experian says closed no payments due XXXX XXXX says {$610.00} due this is all over the place and they can not show me any contracts and prove this debt Not In accordance with 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Account ending in  XXXX  open date  XXXX   XXXX  Amount {$5400.00} Account ending  XXXX  open  date  XXXX   XXXX  Amount {$410.00} Account ending in  XXXX   open date XXXX   XXXX  Amount {$880.00} I have recently sent a letter stating that this account does not belong to me and if they are unable to verify this account to please have it removed. I have also asked them to disclose to me all of the documents that they have on recorded and retained in their file.     The  15 U.S. Code 1681g - Di sclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer.     I did not receive any documentation within 30 days to validate that these accounts belong to me.     the CRA 's have ignored my request to provided me with the documents that isintheir files that they used to verify the disputed accounts which means thatthey have NOT verified orthey can not verify any of these accounts and under Se ction 611 ( 5 ) ( A ) of the FC RA they are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

I would get overdraft fees when sufficient funds were available in my account in 2019, i was charged more than {$100.00} in overdraft fees and i couldnt understand why
Product: Credit card or prepaid card

After reviewing my credit report, it was revealed to me that I had many late payments beginning : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XX/XX/XXXX I retired from the military in XXXX and haven't a need to use this card nor was I aware there was a balance associated with my name on it. I was not in receipt of any statements whatsoever.
Product: Credit reporting

Experian refuses to remove student loan accounts that have been discharged by the Department of Education on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Experian is reporting incorrect account numbers on the Dept of Edu/XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the Department of Education, proving that these loans have been discharged and paid in full and at XXXX balance and should be removed immediately from my credit report.