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

I own a sporting goods retail sales shop focusing on skateboarding supplies, hardware, shoes and apparel. Additionally I hold skate camps in the summer in cooperation with XXXX XXXX XXXX in XXXX XXXX Pa. The shop has been known as XXXX since XXXX, I bought it in XXXX incorporated as XXXX, XXXX in Pennsylvania. Since XXXX, for about 3-5 camps a summer, including three this year, XXXX XXXX has reimbursed me for each camper in a check made out to XXXX. This was done about 25 times and each time Santander cashed the check. All good. Santander changed their practices, I guess noticing that the DBA name of XXXX was not in the PA legal entity name of XXXX, XXXX. It will take quite a while for me to change the legal / dba name, which I have started. No problem, understand. What I have an issue with is that instead of returning the money to XXXX XXXX XXXX, and having them re-issue a check to me made out to XXXX, XXXX, their fraud department is just holding the money. They have given me a reference code of # XXXX for the return of the money. The issue is after holding money that was not fraud, and not theirs, they say after 3 weeks that it may take another 30 days. This is unacceptable for the operations of my business.
Product: Credit reporting or other personal consumer reports

Did not authorize inquiries listed below please delete from credit report immediately thanks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Equifax credit bureau XX/XX/XXXX but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1100.00}.
Product: Credit card

On XX/XX/2023 I rented a car in XXXX XXXX with my Citibank Credit Card. The rental car company made a charge ( correctly ) for {$340.00} USD. The rental car company also requested a proof that they could charge an additional XXXX XXXX COP or {$440.00} USD. XXXX immediately ran a reversal for the {$440.00}. 

The reversal did not post up so, I filed a complaint with Citi and they closed the dispute - but none of this shows in my Notices and Letters. There is a dispute closed on XX/XX/2023. I contacted Citi and had them re-open the dispute. I sent the requested information on XX/XX/2023 and then called to make sure that they had the needed information. I was assured that they did. I heard nothing further from Citi until this morning stating that they once again had closed the dispute stating it had been too long. Citi took their time and slow walked this complaint and then stated I was out of time. 

I have sent Citi the reversal receipt and the tracking information from XXXX. XXXX is stating that have proved that the money was sent back to Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Trans Union credit report are fraudulent, unauthorized, not mine and do not belong to me : XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, and XXXX XXXX XXXX XXXX, XX/XX/2020.
Product: Credit reporting or other personal consumer reports

please see supporting documentation pertaining to the reinsertion of an account that was deleted off my account and put back on
Product: Checking or savings account

I use the XXXX XXXX XXXX to manage and make payments on by XXXX XXXX Credit Card issued through XXXXXXXX XXXX XXXX XXXX, but the minimum payment I authorized and had more than SUFFICIENT FUNDS in our Joint PenFed Cr Union XXXX XXXX XXXX XXXX XXXXXXXX. 

Our joint PenFed Cr Union XXXX XXXX XXXX XXXXXXXX Checking Account had more than sufficient funds to make this {$46.00} ( XXXX XXXX DOLLARS ) and PEN FED CR UN XXXX XXXX REJECTED PLUS ALSO IMPOSED OVERDRAFT FEES ILLEGALLY AND WITHOUT REASON. 

The actions of Someone at PEN FED CR UN XXXX XXXX, caused EXTREME EMBARRASSMENT, and is ILLEGAL!!!! These types of practices should NEVER BE PERMITTED BY ANY FINANCIAL INSTITUTION IN THE WORLD.
Product: Credit card or prepaid card

Purchased a shower door through LOWE 'S. Was offered to apply for a credit card to take advantage of 6 months no interest - I consented since it was a large purchase. Received my first statement and showed that i am being charged interest. Called Lowes, they told me to take it up with the credit card company. Called the credit card company - they say take it up with the store. NO one seems to care, this is highly deceptive, I am being charged interest, I have hard credit inquiry that impacted my credit, and for some reason they processed a business card for me and I do not own a business. Certainly a bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights .
Product: Debt collection

On yesterday XX/XX/20 Ive received a phone call from XXXX the rep did not state her name nor where she was calling from. The lady verified the last 4 of my ssn and stated that she was calling from Balance loan. I attempted to explain that I can not pay back the debt due to my being laid off due to covid. I informed the rep that I have limited income of {$130.00} per week and that not enough to pay anything. The lady then began to questioned me about a vehicle that is listed in my name and started to threaten me talking about collateral. When I asked the name of the company she would not state the info nor her name. She also threatened me to say that the docket was on her desk to have me prosecuted.
Product: Debt collection

Carter-Young cont acted me via collection letter stating I owed   XXXX   XXXX   a debt.   XXXX   XXXX   sued me over the debt and possession of an apartment I did not live in in   XXXX    . I was a co-signer for the resident of the apartment. When the case went to court, the judge ruled in favor of   XXXX   XXXX   for possession of the apartment ONLY but did not rule in favor of the amount being sued for  ( past rent, damages, and attorney fees ). I  have sent copies of the judgement to all three credit reporting agencies for proof with  one rem oving the collections  (   XXXX   ). The  othe r two still  will not remove after multiple attempts.  Carter-Young con tinues to report wrongfully as well. Please see attachments for proof.  Carter-Young ha s not validated the debt with me either only verified. No one has sent me proof of the debt either. There is already judgement via small claims court for possession not for the debt which the judge denied.  XXXX  removed the account from my credit reports promptly after seeing the judgment. I have spoke to many lawyers regarding the situation and they state that the plaintiff  (   XXXX   XXXX   ) w on on possession and lost on the rent due, attorney fees, and damages, etc. Why are they able to collect when a judge has already ruled that I am not liable?
Product: Credit card

I have been a victim of identity theft. I have submitted several letters to all three of these credit bureau agencies and they have yet to remove these fraudulent items from my credit report. In my attachment, I have included my investigation letters with the fraudulent items and my FTC report that contains the items that need to be removed.
Product: Vehicle loan or lease

This loan was taken out for an ex spouse. 
It was paid late a few times but now has been closed for several years. The lateness are still impacting my credit score and I have flawless credit since then. This account is still impacting me and preventing me from being approved with other financial institutions. Im requesting this please be removed from all credit bureaus.
Product: Mortgage

Ameris bank foreclosed on my loan and I was not late it was done out of vengeance because I had an XXXXXXXX XXXX because it was caused by an action from Ameris bank The did a non judicial foreclosure on my company offices and at the same time did a judicial foreclosure on my home property. They are evil I was not late and the whole process was done quickly and secretly with no warnings or told that there could be foreclosure. i had no idea but it was done from revenge.. 
on XXXX 2021 the bank froze all my accounts and it was only a few days before XXXX when I found out because when my employees went to cash their last checks before XXXX the accounts were frozen without warning or even information when I called them and it was too late because it was the end of the last day before the holiday and I could not get them all their money I sent all I could but it wasn't enough so some of the children of my employees went without XXXX dinner and gifts. It was a catastrophic event for my company for my brain and for the children. The company soon lost employees vital employees and the word spread fast that I didn't pay the employees which made it impossible to hire qualified help. My loans were on auto pay but the bank did not honor that contract and let the payments go unmade but there was over XXXX dollars deposited and I had over XXXX in another bank so when I was informed I made payments then two months later the they sent accelerations notices and no option to get right but i was not late and at that time the bank voided out the two {$5000.00} dollar checks I had already sent and they had received and I had already sent them multiple checks that they did not cash over {$50000.00} dollars worth... THIS BANK INTENTIONALLY SET OUT TO DESTROY ME AND THEY DID.. They stole over XXXX XXXX dollars from me and destroyed My companies worth over XXXX, XXXX and destroyed my future which would have been in the billions.. 
Then the court said I was in default judgment and I was not I got another hearing where I showed proof I was at the first hearing and the judge verified I was not in default but gave my XXXX dollar home away anyway So now I seek justice anywhere I can and I will get it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft in which I properly reported. There is fraud that is reported on my credit report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting Fraudulent on my credit report. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX are not my accounts. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquires are not mine and unauthorized.
Product: Mortgage

Please reference CFPB Complaint XXXX-XXXX. 

Sixteen months after I discovered that Navy Federal 's removal of my name from the mortgage ( ' ... because we're not using your VA certificate. But don't worry ; nothing will change. ' ) meant that with the sudden death of my spouse in XX/XX/XXXX, access to anything about the mortgage including making payments became complicated and time consuming : NFCU finally completed the mortgage assumption paperwork after being educated by VA Loan specialists that they were legally prohibited from charging me closing costs or anything other than a {$50.00} transfer fee. 
On XXXX XX/XX/XXXX all the papers were signed and the assumption was completed. By the XXXX, everything was recorded. 
On/about XX/XX/XXXX I contacted NFCU Mortgage Department by phone and was advised by XXXX that the mortgage should show up in my online account no later than Friday, XX/XX/XXXX. 
It did not. I sent a secured message asking for the status and was advised that someone would contact me within five business days when the updating process was completed. That was on XX/XX/XXXX. 
No one has contacted me, the mortgage is not listed among my online accounts and I have no access at all now because the previous account number under my husband 's access has been deactivated. 
At least Navy Federal is consistent in their lack of timely contact and inability to process mortgage-related paperwork accurately. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Mortgage Assumption Online Access Navy Federal Response XX/XX/XXXX : Thank you for using Navy Federal 's eMessaging Service and for bringing this matter to our attention. We are currently updating your file in our records. An Assumption Specialist will contact you once this process is completed, within five business days. If we can be of further assistance, please let us know. 


Your Message XX/XX/XXXX : We completed the paperwork on XX/XX/XXXX and I received a refund check two weeks ago from the title company. 
Earlier this week I spoke with XXXX in the Mortgage Dept and she thought the mortgage should show up online by today. 
Nothing yet. 
Could you please check on the transit of the paperwork through the bowels of NFCU? 
I'd like to be able to make payments online instead of going through telephone representatives. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING LISTED ACCOUNT ( S ). BLOCK AND REMOVE
Product: Debt collection

XXXX XXXX charged {$400.00}, at XXXX XXXX XXXX, without my authorization for a product XXXX XXXX XXXX XXXX XXXX XXXX that retails for {$99.00}. I had disputed the overcharge with XXXX and they refused to respond. More than half has been paid by my insurance and now they have a collector sending me threatening notices. 
How do I dispute an unfair charge, specially one I did not authorize?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit fraud and unauthorized inquiries without my permission
Product: Credit card or prepaid card

A a destiny credit card has been open in my name not by me. I do not have a physical card or have I ever received one
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXXXXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX have violated my rights. 

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 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

See attached documents, the personal information you are reporting are not mine.
Product: Debt collection

I only became aware of this debt by looking at my credit report. When I contactacted the Thomas Agency they informed me the debt was from XXXX whith whom I have never personally done business with. The Address they had on file fo rthe debt is an address in Florida which I have never lived or resided at. When I contacted XXXX the original creditor they informed me that the debt was a debt owed by a former employer of mine ( XXXX XXXX XXXX ) and that my previous boss had put me as the person of contact for the account. I do not understand how my boss putting me as the point of contact binds me to this debt.
Product: Mortgage

My mortgage closing was delayed by the inaction of JPM Chase Bank ( JPM ) in my purchase of a XXXX XXXX  from the vendor ( XXXX ). The delay on the closing occurred primarily at the hands of JPM 's inadequate attention to deadlines and misinformation given to buyer. Buyer had no part in delay, yet was subjected to added fees for lateness, extension of loan lock period, repeated appraisals, rush activity on appraisals and dis- and misinformation. 
The individuals responsible collectively abrogate responsibility and when I request an appeal, they confer with those individuals who created the problem making perhaps the biggest conflict of interest and farce possible. 
I only wish restitution for the costs incurred by JPM. I requested that and was denied. I requested consideration by XXXX  pointing that through no fault of my own I was penalized nearly {$2000.00} in late fees that were caused by JPM action or inaction. That was also denied. 
What we have here is a simple case of corporate protocol and greed working together to abuse the borrower and homeowner. The primary fault is with JPM, but the nature of the penalty assessment is owned by XXXX. 
Those penalties and associated fees should be reimbursed. 
The following is a list of the JPM culprits : XXXX XXXX Home Lending Advisor XXXX XXXX Customer Care Specialist XXXX XXXX Team Manager XXXX XXXX-Team Manager XXXX XXXX Lending Manager XXXX XXXX Senior Lending Manager
Product: Checking or savings account

My account was fraudulently charged multiple times for months by non-existent foreign companies. I unfortunately didn't pay close enough attention and it took me a while to realize how much. Some transactions were months old but some had just occurred. Because I didn't report it when it first started happening they refuse to help me. The charges are several per day and in some instances there were as many as 5 in a day for the exact same amount to 5 different companies. It was obviously fraud but PNC Bank won't help me and in fact have charged me over {$1000.00} in fees this year. They are profiting of their inability to keep my funds safe and there seems to be nothing I can do about it.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage loan with Rushmore Servicing for a XXXX in XXXX. I notice in XXXX of XXXX that they had made XXXX payment to an XXXX company out of my XXXX  account to XXXX XXXX XXXX. The payment were made on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. XXXX XXXX XXXX is NOT my XXXX company and never has been! I called and was told to wait and it would get taken care of- well it wasn't. After XXXX calls and it being escalated XXXX- this is what they are saying. The address on the XXXX XXXX was the address of the XXXX XXXX  my XXXX is, but there wasn't a XXXX XXXX on it and the name was different. But they paid it out of my account anyway. After their review they are saying they followed their " policy and procedures '' so they haven't refunded the amount back into my account. This is causing me to have an approximately XXXX increase in my mortgage payment. Plus my actual XXXX company - XXXX XXXX-premium is coming due in XXXX and there isn't any money in my XXXX  to pay it - because they PAID SOMEONE ELSES XXXX with my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX CARD SERVICES. ( XXXX ) IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.