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

On XX/XX/year> I XXXX XXXX called XXXXXXXX XXXX to discuss an Pay to delete I Paid {$400.00} to XXXX XXXX ( XXXXXXXX XXXX Collection agency. 
CONFIRMATION # XXXX XXXX XXXX XXXX XXXX PAID IN FULL XXXX XXXX STATED THEY DO NOT CREDIT REPORT PAYMENTS BUT WILL TELL XXXX XXXX  SO I SAID I'M REPORTING BOTH OF YOU TO CONSUMER PROTECTION FEDERAL ANGENCY XXXX XXXX  AND XXXX XXXX TO REMOVE OFF ALL 3 CREDIT REPORTING AGENCIES AFTER I PAID IN FULL
Product: Money transfer, virtual currency, or money service

I used my Bank of America mobile app to transfer {$1400.00} via XXXX to an individual thinking I was purchasing a puppy from her ( {$1200.00} for the puppy and {$230.00} for delivery ). It was a scam. Filed a claim with BOA ( XXXX ), but the representative said they forward the claim to XXXX which has 45 days to respond. He stated that 95 % of claims are denied and the individual does not receive their money back. He said I should have read the fine print where it states XXXX is only for transfers between friends and relatives. I told him that I thought that it was safe since BOA promotes it on their app.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on thXXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle from a dealership and shortly thereafter the vehicle quit running. This vehicle fell under the rules required for the Lemon Law so I returned the vehicle within the time allotted and was told that there would be no negative reporting on my credit report, but that turned out to not be true. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX This is a hard inquiry on my credit files. I did not authorize XXXX to do so. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX This is a hard inquiry on my credit files. I did not authorize XXXXXXXX XXXX XXXXXXXX to do so. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX This is a hard inquiry on my credit files. I did not authorize XXXX XXXX  to do so. 


US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX This is a hard inquiry on my credit files. I did not authorize US SM BUS ADMIN ODA to do so.
Product: Checking or savings account

In XXXX  my personal checking account with citi Bank was closed due to what they said was a fraudulent check. Before allowing me to repay they blocked my joint account and withdrew over XXXX dollars which they claimed they mailed over the past 2 years and was never received. I now received a letter that they are using my overdraft from my personal account as a charge off which I thought was going to be paid from my joint account. I have been transferred and misinformed multiple times and no one will tell me where my money is and XXXX dollars just disappeared
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2013 I opened up the Chase freedom card with Chase bank when I open the card I had a {$5000.00} limit they told me in time with good payments history the APR would lower. Did you not keep their agreement the APR never drop down but the credit limit did rise the XXXX is where Im at right now I called Chase for years now bargaining with them to lower my APR they havent budged I have 69 straight month with perfect payment history.. chase did NOT keep their agreement the APR, it never drop down but the credit limit did rise to XXXX is where Im at right now I called Chase for over four years now bargaining with them to lower my APR they havent budged I have 69 straight Months of perfect payments I called up Chase a few months ago and they put A bank monitor name Mr. XXXX on my case to modify it he call me roughly a month ago and told me theres nothing they can do they will not lower my APR when in fact they can lower it from where Im sitting now at 24.75 on Transactions they can definitely lower it to at least 17 % and they have not budged they have not moved they have not been anything but denied my request and reneged on their agreement with the credit card Im looking for help to resolve this matter and Im hoping that the CFPB can thank you for your time its highly appreciated l!!
Product: Money transfer, virtual currency, or money service

On about XX/XX/XXXX I was in a bad car accident where my vehicle flipped around XX/XX/XXXX I was gave a settlement of {$11000.00} from XXXX XXXX the third party who issued the check sent me a link to put my account number in I messed up on the account number but has the correct routing number that had nothing to do with venmo mind you around XXXX the XXXX I got a notification saying that I had {$11000.00} deposited into this remote account I was so confused because it was never supposed to go to a memo account it was supposed to go to my bank account but I messed up the account number well with that being said I wasn't really caring as long as I had access to my money I had time to buy a new car that I now lost I became homeless I was severely injured I had to settle next to nothing so me and my kids wouldn't be homeless and we still ended up homeless and I have {$6000.00} in account they claim I violated some terms of service but the thing is I didn't even ask for my money to go in this account the account number and the routing number is not even two a Venmo account they told me that my account was going to be Frozen and then I needed to work with them while providing all the proper paperwork like the check number the choice number where the payment came from the proof of payment they still refuse to release my funds they said they can hold it for 180 days and that's because they're collecting interest that they own meanwhile me and my children are homeless I lost my car I lost my kids we're staying. Separated all I have a {$5000.00} sitting in a venmo account almost six and they will not even have a conversation with me they are some of the most incompassionate people I've met I was telling them a week before I got evicted I was getting ready to get evicted they did not care this is wrong they are causing people to lose everything including myself especially when my money is accounted for and legal I just need help getting my money back I have tried to reason with them I have asked them to send the payment back I've called every day and they have not gave me no response but 180 days and if your payments can be released will contact you then that is wrong it's been almost 2 months and I've been homeless the whole time and so after this wreck I'm living a living nightmare
Product: Checking or savings account

XX/XX/2020 XXXX they closed my account with out my permission
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX line credit inquiry done without consent or written permission to all XXXX credit agencies
Product: Student loan

I requested a change in repayment plans. Apparently, MOHELA lacks the ability to process these requests efficiently. As such, it places the account on a " processing forbearance '', in which it unilaterally delays payment for a month and capitalizes the interest ( referencing the right to do so under the master promisory note ). At no time did I authorize this or accept this. Nonetheless, MOHELA continues to forward me mail indicating its intent to capitalize interest. This is unacceptable without additional information and/or a refusal to cite to the provision in my master promissory note that authorizes such behavior ( i.e., at no time have I authorized MOHELA the right to capitalize interest on my account ( s ) ). 
MOHELA 's forced forbearance and capitalization is a MASSIVE class-action lawsuit waiting to happen. Damages are calculable. Good luck! 
Do n't capitalize my interest ( or my wife 's interest for that mater ). 
What MOHELA is doing is the exact type of behavior the CFPB is trying to prevent.
Product: Credit card or prepaid card

Have had an XXXX XXXX XXXX XXXX XXXX XXXX for over 10 years. Always received paper statements. Never had a late payment or problem in all of these years. XXXX suggested that I convert to paperless statements in XXXX XXXX. They said I would get an e-mail when statement was ready. For whatever reason, I never received an e-mail or paper statement for XXXX XXXX. Had a balance of only {$17.00} and payment was due on XXXX XXXX, XXXX. Got a late notice e-mail on XXXX XXXX, XXXX saying past due and charged me a late fee of {$18.00}. Called to try to resolve with XXXX and they basically said too bad. Would not remove the late fee even though it was more than my balance. I told them that if I had to, I would pay the late fee and cancel the card. They did n't much care. They just wanted that late fee. I do not know if this a deliberate attempt to get extra fees from the consumer or just bad business practice. Either way it is not fair to the consumer.
Product: Debt collection

I hope this message finds you well. I am writing to inform you of a distressing issue involving identity theft that has directly impacted my financial well-being. Upon conducting a review of my credit report, I discovered an unauthorized account that was opened in my name with Credence Resource Management. It is important to note that I have not initiated nor authorized any business or account with this entity. 

The existence of this fraudulent account has caused considerable damage to my credit report and subsequently to my overall financial standing. I am deeply concerned about the adverse effects this may have on my financial health and credibility. I firmly believe that this unauthorized account is a direct result of identity theft and I am actively taking all necessary steps to address this situation. 

I have already taken initial actions by contacting Credence Resource Management to dispute the account and have filed a report with local law enforcement to report the identity theft. Nevertheless, as the impact on my credit report persists, I am reaching out to request your assistance in rectifying this issue. 

I kindly request your support in investigating and promptly removing this fraudulent account from my credit report. Your intervention and guidance in this matter would be immensely appreciated to ensure the accuracy of my credit history is restored. 

Enclosed with this email, you will find the pertinent details regarding the fraudulent account for your reference. Should you require any further information from my end to facilitate the resolution of this matter, please do not hesitate to reach out. 

I am fully committed to cooperating with your team to swiftly resolve this issue. Thank you for your attention to this pressing matter. I eagerly await your guidance and assistance.
Product: Credit reporting

I never ask for a credit care for sear 's now there are 3 other XXXX that live here in Wisconsin or someone was trying to get credit in my name can you please remove this from my credit please
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, Wells Fargo received my payoff for a personal loan. There was a {$740.00} overage after payoff. They waited two weeks to procees it and another two weeks to mail it out.I haven't recieved it yet. I have called two times and my local Wells Fargo banker has called once. We both were given the exact same answer : it was mailed yesterday and it will be there in 7 to 10 days. I understand that they are understaffed, but I feel their personal loan department has zero integrity and will tell you whatever they have to to get you off the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts in several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXXXXXX Balance : {$30000.00}, XXXX XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$600.00}
Product: Student loan

On XX/XX/XXXX my student loans totaling {$22000.00} that were being serviced by XXXX XXXX XXXX XXXX XXXX  were consolidated to XXXX XXXX XXXX. I began making payments under an income based repayment plan in the amount of {$120.00} on XX/XX/XXXX until XX/XX/XXXX. I was not made aware by XXXX XXXX XXXX. or XXXX  XXXX XXXX XXXX XXXX that my loans were classified under the Family Federal Education Loans Stafford subsidized and unsubsidized loans which were made by private lenders but backed by the government and did not qualify for the public service loan forgiveness program.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX XXXX XXXX report for a utility ( natural gas ) on my credit report for a company I did not have an account with. I have submitted disputes twice, but the collection agency will not prove or remove the collection account. I have receipts for all my natural gas payments in my online banking account and in my email. However, it has not been removed by the credit agencies.
Product: Debt collection

In XXXX, I applied for the New York Emergency Rental Assistance Program ( NYERAP ) due to financial hardship caused by the XXXX pandemic. Despite my eligibility and approval for the program, my landlord, XXXX, failed or refused to accept the rental payment through the designated portal. According to ERAP guidelines, this non-acceptance should have removed the debt responsibility from me. 

Instead, the unpaid rent was reported as a debt on my credit report and subsequently sold to a collection agency, Hunter Warfield. This inaccurate debt has been listed on my credit report from XX/XX/XXXX to XXXX XXXX XXXX, despite my repeated disputes. 

I filed a dispute with XXXX, providing all necessary documentation, including proof of NYERAP eligibility, approval, and evidence of the landlords refusal to accept the payment. However, XXXX has not corrected the error, and my credit report still shows the disputed debt.
Product: Mortgage

We made a payment on XXXX XXXX, 2016 for our XXXX XXXX, 2016 mortgage payment. The payment was recorded as a principal payment and not our regular payment. We always add additional amounts to be applied to the principal. 

We have called ditech multiple times asking them to record the payment correctly -- interest and principal plus additional principal amount. We have received a different answer every time. We were assured the payment would be recorded correctly by a certain date that has come and gone. Our account is showing past due and we always pay our bills on time and we do not trust this company. They will not send us any documentation of our correspondences. I tried over and over last month to set up a auto pay and it failed every time to set up correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX  and Transunion numerous times over the past 6 months regarding inquiries that were on my credit report that weren't recognized. I was told by both credit bureaus that I needed to call each and every company that had pulled my credit. I did. Upon calling I was told that they didn't have any information on file with my name or SS #. I called XXXX  and Transunion back. I then was told I needed to add fraud alert on my report and go to the police station and file a report. I added the fraud alert, I took days off to try and file a police report and was told at the police office that they are unable to file a report of such. I'm very frustrated and annoyed that I keep getting the runaround and not getting any help. XXXX  was able to help me and I had NO ISSUES with them at all. I was then told last week to contact the FTC and or Consumer Finance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX Last reported XX/XX/year> Reported balance- {$5500.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit card or prepaid card

According to reviews at the XXXX, this happens to thousands of consumers with this bank! ***** XX/XX/2021 Last charge on card at XXXX  ( Store credit card ) ***** XX/XX/2021 I paid my full balance of $ XXXX XX/XX/2021 I am charged {$3.00} late fee ***** XX/XX/2021 I am charged {$2.00} minimum interest charge***** XX/XX/2021 I again, paid off my balance $ XXXX XX/XX/2021 I am being charged {$2.00} minimum interest***** XX/XX/2021 I am charged {$2.00} Late fee***** XX/XX/2021 AGAIN a minimum interest charge of $ XXXX XX/XX/2021 Paid off balance AGAIN***** XX/XX/2021 {$2.00} minmum interest charge***** XX/XX/2021 Paid off AGAIN***** Support was of no help and responded wit bogus answer
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the bank thru a phone call and they said to fix these. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove these information from my credit report. 

XXXX  XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Trans Union. received my dispute regarding violations of the Gramm- Leach Blilley Act 6801,6802.

Additionally, My privacy rights are being violated in accordance with FCRA 602 which sates I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. 

I submitted my dispute via CFPB # XXXX XXXX on XX/XX/XXXX Trans Union acknowledged receipt on XX/XX/XXXX then on XX/XX/XXXX my social security identification Is being requested .Trans Union should have my Social security information already because I have uploaded it a few times already. 

I uploaded it via CFPB and regular mail 2 times. 

This is a STALL tactic!!!! 
I am uploading a copy of my social security card with state identification / birth certificate. 
AGAIN. 

Remove both accounts : Trade : XXXX XXXX XXXX Trade : XXXX XXXX XXXX XXXX XXXX You are in violation of FCRA 611 because you failed to conduct your investigation in 35 days and you are compelled to delete both accounts you are illegally reporting on my XXXX credit report immediately.
Product: Bank account or service

in reference of complaint # XXXXwhen branch was giving me run around for three cont. days, first day as per XXXX that they could not find my original papers and waisted my couple hours then second or third day i noticed XXXX staff members included one lady wispered on the side and that lady approched me with blank form and asked me to sign on this and i refused to sign that blank form. 
now in this branch so many cameras and challange to you that go ahead watch those videos from those days. you will find all type of illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by XXXX XXXX  yesterday letting me know that the information on my auto draft was incorrect and that my payment for XX/XX/2020 was returned, resulting in a 45 day late fee in which they admitted was an error on their part but never contacted me to correct until XX/XX/20 on which all was fixed and paid up with a late charge refund. 
I would appreciate this being taking off each of my credit reporting agencies.
Product: Debt collection

IN accordance with fair credit reporting act XXXX XXXX XXXX account number XXXX has violated my rights. 15 u.s.c 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 605 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Radius Global Solutions XXXX XXXX XXXX XXXX XXXX In XXXX I received a bill from XXXX XXXX for services rendered in XX/XX/XXXX. I asked XXXX XXXX for an itemized list of these services since my bill with their company for quarterly lab work had never been more than {$40.00}. They could not tell me what the charges were for, so I respectfully declined to pay. 

I provided written documentation to XXXX XXXX from my doctors office stating that no testing other than usual had been ordered and my doctors office recommended not to pay. 

XXXX XXXX then turned my account over to RGS who continues to send me statements showing a balance due with threats to sue.