23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit. 

XX/XX/XXXXXXXX XXXX XXXX Amex XX/XX/XXXX XXXX
Product: Checking or savings account

I have been a banking customer with US Bank for 2 years. On Tuesday last week I let them know I was traveling to XXXX and they put a travel alert on my record. On Friday before I left for the airport I put a small amount of money on my XXXX prepaid mobile phone using my US bank debit card. I immediately received an email and a phone call and my card was blocked and the charge declined. I spoke with the fraud department who was very rude and assured me that there was no travel warning noted calling me a liar. The people refuse to identify themselves or their location and they refused to connect with a supervisor. I had to call over 30 times before I was finally assured by several senior managers in the fraud department in XXXX XXXX Idaho that my card was corrected and I was assured I could travel on to XXXX. I flew to XXXX and arrived and my card was declined and I had no access to cash and was unable to check into my hotel or rent my car. I called US bank and they said a woman named XXXX at a branch in XXXX California that I have never visited has decided that she is closing my account and that she is aware that I am traveling in XXXX and she doesn't care. I called the branch and spoke with XXXX who laughed at me and taunted me and was a condescending belligerent person laughing at my misfortune and hanging up on me. I spoke with customer relations in XXXX and the agents there including XXXX agreed that the fraud department and the branch in XXXX are very belligerent and unhelpful. Many people at US Bank tried to help me but in particular XXXX and XXXX at the XXXX XXXX in XXXX California are unbelievably terrible and terrorizing to customers. They are breaking laws. Also a very belligerent woman named XXXX in XXXX XXXX Idaho is a complete monster and a torments the customers. She must be fired over this. This is a horrible bank and I can not do business with them so I immediately flew back to United States to close my account. I arrived in the United States and I was told by US Bank on XXXX XXXX in XXXX XXXX that they can not give me money to my account because it has been frozen by XXXX and I can't do anything because she has taken vacation and she won't be back for a while and only XXXX can unlock my account. US bank has ruined my XXXX holiday and caused thousands of dollars in damage already. Now that I have flown back to United States US Bank is still holding my funds and refusing to close my account and give me my money. This is a rogue bank with monstrous customer service failures who literally gets off on terrorizing customers and they laugh at you in your face at your own inconvenience and suffering. These customer service agents particularly XXXX, XXXX, and XXXX, taunt and harass the customers and cause serious psychological damage. I want you to enforce government regulations against US bank and get my money back to me right away as well as sanction them for their terrible anti consumer behavior. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3900.00}
Product: Mortgage

I have been paying Nationstar/Mr. Cooper since XX/XX/XXXX. I originally had XXXX XXXX. First at closing XXXX XXXX was lender. When first payment due they switched over to Mr Cooper. I went through bankruptcy got approval to keep loan. Mr Cooper sent me a letter in XXXX saying XXXX XXXX was the new lender as of XX/XX/XXXX. I kept calling XXXX XXXX they couldn't find me in system for weeks. I had to escalate call i said do you show my account as bankruptcy? They said no. They had wrong zip code on file on day one some XXXX. They had no one assigned to me. Kept saying wait 30 days possibly. Supervisor hung up on me. Called back said what is going on i have no documentation from you. They said my lawyer should call them. Lawyer called he said they didn't have me in system. They are just as that week I spoke to attorney now sending me a letter. I said did you go through the process of bankruptcy court to change the loan? Lawyer said they have no paperwork from them. I was trying to refinance in the fall. I had a call from XXXX XXXX and did not complete the application. I sent the email showing unfinished application to my lawyer. And also email from XXXX XXXX asking me to finish my application. I think they are scamming me. Using unfinished application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a permanent credit freeze on my credit report. I signed up through experian to have a thing where they alert me in changes to my report I felt they were not doing anything for me so I cancelled this they were charging XXXX a month. So the next day I got an email from them telling me they unfroze my account for cancelling my member ship. Now in order to get the freeze reinstated i had to join and pay life alert and now my fee is XXXX a month. I feel this is really not fair or right. Before I paid nothing for the freeze now i have to pay XXXX and have life alert. i had life alert before and they let things slip like once i applied for a credit card and they never notified me about it when i contacted them they said we cant moniter everything I thought then why am i paying you {$300.00} a year if people can still open accounts in my name. My roomate stole my social security card several years ago so that is why i want a permanet freeze on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a charge-off on the XXXX XXXX  partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an XXXX during combat and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from XXXX XXXX XXXX XXXX XXXX   dated XX/XX/XXXX. 

I sent information to you showing the loan was transferred to you from XXXX XXXX XXXX. My loan was with XXXX XX/XX/XXXX until XXXX XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX. 
The loan wasn't transferred from XXXX XXXX XXXX   as you've stated. 

I will send this information to you once again, payments made also. 

You can pull my wage earner records from the courts because they are public records. XXXX XXXX XXXX   did not notify the courts either. I pulled all of my court records from the courts in XXXX. 

I've been told that case have to be reopened. I'm in the process of doing just that, since you can't seem to get information from XXXX XXXX XXXX. I will send this information to XXXX XXXX XXXX XXXX XXXX and the attorney I get to reopen the case. 

Someone created a EIN number using my personal information without my knowledge. XXXX XXXX XXXX XXXX XXXX also used TN XXXX  XXXX XXXX Federal Identification number to report a XXXX to IRS in XXXX. I'm in the process of notifying IRS of this fraud. 

I pulled my credit report to learn that someone added an address for Michigan to my credit report. I have never lived there, nor have I visited there. I've lived in XXXX Tennessee all my life. I was my home eighteen years,  until you XXXX XXXX XXXX XXXX XXXX took it from me.

May God have mercy on your souls.Because of you I'm homeless. All of my former employers have been deleted from my credit report. And I've worked since the age of XXXX. I notified the Attorney General Office also. You should be ashamed of yourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE. XXXX continue to report inaccurate data to my credit reports. There is a second account showing on my report from XXXX listed dated XX/XX/XXXX on my credit report. It is listed that is was closed XX/XX/XXXX and XX/XX/XXXX. It is listed that was transferred to another lender. The lender it is shown transferred XX/XX/XXXX. The dates are incorrect. The account was closed over 7 years ago and should not be listed on my credit reports.
Product: Checking or savings account

Hello Officer, Greetings. 

I opened the CITI bank account on XX/XX/XXXX, with depositing more than {$50000.00} dollars. The promotion should give me {$600.00} dollars if I maintain the balance of {$50000.00} for 90 days. 

I didn't get any promotion reward. 

I started to contact CITI on last month, from online to offline. They tried to send me to the branch, but there is no branch at where I live now. 

I also contacted the XXXX XXXX XXXX XXXX branch, where I opened my account. I called several times for solution, they only tole me that they are on investigation. For now, I didn't get any calls from them. It's me calling them again and again. 

I just want to my promotion reward back now, after depositing my {$50000.00} for more than two years, I should get the reward. 

Thanks
Product: Checking or savings account

I opened XXXX CDs with Barclay 's last year. Later in the year they wanted everyone to establish new online access. I tried several times and the system said it couldn't find me. I called and was told there was no SSN associated with my account and to send an official document with my SSN on it via email. I sent a 1099 form which happened to have my whole SSN on it to their Deposit Research Dept and am now nervous that it wasn't secure. ( It is very hard, btw, to find a document with the whole SSN on it. ) I then realized I could establish a new online login using an account number. I got into my account and saw that my SSN is actually wrong by XXXX digit. I was told to send another email with my SSN attached, which I stupidly did. So far nothing bad has happened, my identity has not been stolen. BUT THEY STILL HAVEN'T CORRECTED MY SSN. ( I even got the XXXX for XXXX CD that matured last year and it has the wrong SSN. ) I called another couple times, the last time around XXXX and was told my issue would be " escalated '' by their Deposit Research Dept . I 1 ) am worried that having emailed my SSN wasn't safe and 2 ) want them to put the correct SSN on my accounts!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file.

The specific accounts and inquiries that need to be blocked and deleted are as follows : Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5200.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$610.00} UNAUTHORIZED XXXX XXXX XXXX  - XX/XX/XXXX - {$550.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Inquiries : XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had begun conversations with XXXX XXXX in XXXX, MN and began to fill in a pre-application for them. I marked NO on their application for approval to run my credit score. 

There was a hard credit pull executed by XXXX XXXX XXXX on XX/XX/2021. This hard credit check was not authorized. 
Upon contacting XXXX XXXX XXXX team, they provided two separate screenshots that did not show permission for running my credit : On Page XXXX of the application, theres no signature. 
On their provided screenshots, the images do not share what form is being referred to in relationship to XXXX, and include an incomplete online form that doesnt show any connection to my information. 

In addition, the IP Address shown maps to the middle of a lake in Kansas ( and not to my address in XXXX ) Source : XXXXXXXX XXXX XXXXXXXX Both of XXXX XXXX representatives XXXX XXXX XXXX and XXXX XXXX XXXX refused to do the following : Share which form Visual # 1 is referring to Explain what their XXXX  permits their team to do, and Acknowledge what the lack of consent on Page 6 restricts them from doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 issues with Experian and XXXX. First, I have reported several times to Experian and XXXX  that my identity was stolen and that I had reported this previously to the CFPB. I reported to them online and by telephone and they still have shared my personal information to creditors that do not belong to me, as before, the creditors did not have my home address and was able to look into my credit file and obtain my personal information. I have also reported to Experian and XXXX  that the creditor, XXXX XXXX XXXX, in the amount of {$850.00}, that is currently listed on my credit report, does not belong to me and is fraudulent. I also reported to Experian and XXXX  that this account is the 2nd time it showed up on my account and was sold to them by the original creditor named XXXX XXXX XXXX XXXX after it was taken off my credit report the first time. I have filed an identity stolen profile with the CFPB. I would like for Experian and XXXX  to remove this fraudulent account from my report.
Product: Credit reporting

I disputed a car loan From XXXX that i had no knowledge of and they told me to contact the creditor. I sent a letter to them with no response back. I contacted Equifax to let them know by mail what happened and they never responded to my dispute. Inquires that are unauthorized from XXXX XXXX XXXX was not my request and i disputed them and i got a blank letter with only my address and noting about my dispute on it after 45 days from Equifax.
Product: Vehicle loan or lease

The original loan amount of for my vehicle was {$14000.00} and an Annual Percentage Rate ( APR ) of 25.99 %. To date, I have paid a total of {$27000.00}, with {$17000.00} allocated toward interest, yet a balance of {$5200.00} remains. This situation raises serious concerns about the fairness and legality of the loan terms and practices employed. At this rate ; I'll pay {$32000.00} plus dollars that originally cost about {$15000.00}. 

The terms of the loan were unfair and predatory. At the time ( XX/XX/year> ), my credit score was XXXX to my knowledge. Not great, but not so bad that I could not have been given a decent interest rate. I was living in XXXX, Florida and needed a vehicle badly. The city is gargantuan and isn't a place where you can live without a vehicle if you want to work and earn a living. 

The APR of 25.99 % significantly exceeds Florida 's usury limit of 18 % for loans under {$500000.00}, suggesting a potential violation of state usury laws. The loan was structured in a way so that there was excessive interest front-loading, making it nearly impossible to reduce the principal balance fairly. 

These are violations of the TILA and FCRA. My credit has been severely impacted, despite making payments for over 5+ years. A persons mortgage and auto loan are the biggest expenses one will have. This loan is one of the reasons I have not been able to keep my head above water as I have not had fair access to the financial system due to my credit rating. 

I've sent Capital One a formal complaint regarding this matter demanding action for this loan to be ameliorated. 

I request the CFPB to investigate this matter, as Captial One Auto has failed to provide transparency and has ostensibly violated consumer protection laws.
Product: Money transfer, virtual currency, or money service

My PayPal  account was suddenly and permanently restricted without any valid reason and the funds in my account have been frozen for XXXX  days. 

I tried asking the PayPal customer service team for help but they said they couldn't help me recover my account. Just tell you whether it is a risk account or it can not be lifted, so it is a big disaster for our normal sellers. I have been using this account for some time and always work in good faith and comply with all policies and user agreements stated and in my Agree when registering an account. 

I have taken every step to minimize the risk associated with my account, but PayPal has still permanently restricted my account and says there are potential risks associated with it. 
I would request any information as to why PayPal feels they must restrict this account. There is no reason to permanently close my account as I believe I did nothing wrong to cause the account to be closed. Therefore, I am asking PayPal to re-investigate the issue and help resolve it. I'm willing to provide any information needed to investigate and help recover the account. I am willing to work with PayPal to minimize perceived risk. I'm asking you to help me recover my account. 


Reference ID : XXXX PayPal Merchant lD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

12 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these companies being on my report because I did not ask for them to inquire about my credit. 
These are the list of companies who inquired about my credit below : Inquiry details XXXXl/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

This complaint is 2 fold. 
1 ) I have been getting getting notices from Shellpoint Mortgage Servicing stating that I am 3 months behind on paying my mortgage. The payment has been automatically deducted from my checking account every month at the same time. 
This has negatively affected my credit. 
2 ) I have provided insurance coverage for my properties on several occasions, my XXXX agent has also sent them the cover sheet. Shellpoint continues to state that they do not have evidence of insurance and is charging me {$620.00} for each of my XXXX properties. My insurance from Farmer 's is {$820.00} for all XXXX properties per year.
Product: Credit reporting

Yesterday I received in the U.S. Mail a letter from " TransUnion '' credit bureau that still had under " Adverse Accounts '' a debt collection agency by the name of " Enhanced Recovery Company '' ; XXXX. XXXX XXXX ; XXXX, FL ; XXXX ; XXXX. Under the " Original Creditor '' space it states : " XXXX XXXX. for $ XXXX. '' I have always had " XXXX XXXX XXXX XXXX. '' for the last 22 years. So I am the victim of Identity Theft with this false " XXXX XXXX. '' debt. I called up " TransUnion '' and they still refused to " Delete '' this Identity Theft entry.
Product: Checking or savings account

In XXXX  I had a checking and savings account with Navy Federal Credit Union. I froze my debit card because in XXXX  I didnt have a job due to being sick from XXXX . With my card being frozen, payments that were not connected via ACH and only debit card were still being withdrawn from the account with the {$20.00} overdraft payment per transaction. I called and explained to them that the card is frozen and payments should not be taken off of a frozen card, and that the {$20.00} overdraft payment per transaction is causing financial hardship. I let them close the account and have no idea how much I owe them due to closing the account.
Product: Debt collection

This company " XXXX XXXX XXXX '' calls multiple times daily starting at XXXX. I have consistently told them to remove my number from their calling list due to the multiple calls. I eventually blocked the number, however they continue to call from " Unknown '' numbers this time around XXXX Est, they continue to leave voice messages.
Product: Credit card

My wife ran up about {$5000.00} credit on her discover card and they are trying to charge her 25 % interest. We can never pay this off. We have same problem with a XXXX credit card and they are offering no compromise or plan to help us get them paid off.
Product: Debt collection

Sent cease and desist contact ( citing Fair Debt Collections Practices Act ) letter 2 weeks ago. They have contacted me at least 4 times since then.
Product: Credit card or prepaid card

Upon recently checking all my credit reports, I noticed a credit card from XXXX reporting on my credit report. This is not my account! I did not open this account and have no knowledge of it. This account is clearly due to identity theft and I have filed an identity theft report regarding this account. 

XXXX XXXX Account Number : XXXX Account Type : Credit Card, XXXX XXXX Account Status : Unpaid balance reported as a loss by credit grantor Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : XXXX Payment Status : XXXX  days past due Payment Status Date : XXXX Credit Limit : {$1000.00} Current Balance : {$1300.00} Highest Balance : {$0.00} Payment : $ XXXX Past Due : {$1300.00} Most Recent Payment : XXXX