23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/year> - I received an alert of hard inquiry from XXXX about a bank of america card XX/XX/year> - I contacted XXXX to remove the hard inquiry and to place a fraud alert on the report XX/XX/year> - Experian removed the hard inquiry and placed a fraud alert on the report XX/XX/year> - I received an alert of a new account opened under my name from XXXX XX/XX/year>- I contacted XXXX to dispute the account and was directed to file an FTC fraud report XX/XX/year> - I contacted XXXX to dispute the wrong birth date on my credit report XX/XX/year> - I contacted Bank of America to inform them of the fraudulent account XX/XX/year> - Bank of America was unable to locate an account under my name, social security number, or address XX/XX/year> - I uploaded evidence of birthdate, identity, and address to XXXX to correct the incorrect birth date information on my report. 
XX/XX/year> - I filed a fraud report with FTC
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and unverified inquires on my Credit Report without my consent. 
Remove : XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Account are not being properly investigated on my account I reached out serval times nothing is being done
Product: Mortgage

We qualified for a hardship program due to COVID. We are now ready to pay and have been approved for a reset and restart. I applied and was approved the paperwork never came, I called and they said that I went online and updated to still in hardship, I did not. I then reapplied and was approved for the reset and restart and again no paperwork came. I called on XX/XX/XXXX and the rep said that I again went online and updated my status to continue my forebearance. AGAIN I did no such thing, I need my paperwork so I can resume paying my mortgage. I nor my wife has done anything online, and when I ask for details they are unable to provide them. Flagstar is not being honest about their process and what the root cause of this issue is. We are not going online to do anything or modify anything, our forebearance is done on XX/XX/2021 and I have been asking for the paperwork after being approved since XX/XX/2021. This means I have been unable to resume payments, the agreement states I make reset payment upon reciept of new contract, and also that I have been charged interest while this whole thing is taking way longer that expected. I have actively tried and been approved to resolve my hardship and Flagstar is refusing to let me do it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX XXXX XXXX sent a wire transfer through XXXX XXXX XXXX  to USAA Federal Savings Bank with a copy of my voided check, wire instructions and a copy of the Receipts and Disbursement Ledger in the amount of {$42000.00}. This was money I received from the sale of my house in XXXX XXXX XXXX Florida. At the time of closing I was not present due to a job transfer ( XXXX ) on XXXX XXXX XXXX, from Florida to XXXX XXXX CA. Immediately upon arrival I began preparing for XXXX to XXXX and I had forgotten about the money and I fell ill. I had two major XXXX. Years passed before I remembered and tried to recoup my money but USAA says they have no record after 7 years. My name on the check was XXXX and I had gone through a divorce in XXXX but had not changed my name on the account. The information tired to that account should've matched my present account and there was never a lapse. I've been a constant member of USAA for over 17 years. I will attach a copy of the " Receipts and Disbursements Ledger from the XXXX XXXX who closed the sale, a copy of the Outgoing Wire Request Form and a copy of the Voided Check with my name and account number. If you have any questions do not hesitate to contact me. Please help me get my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). Thank you for your attention to this matter.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transitions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX has placed me in XXXX XXXX and or Early Warning XXXX due to ATM Fraud that took place on this account. I called in and spoke with a XXXX XXXX XXXX agent who was to proceed with fraud investigation on this account which would 've been the second time I 've asked for an investigation. I have asked XXXX XXXX XXXX to send the proof and or information on this account and I have yet to receive any documentation or investigation results. This incident was in XXXX.
Product: Checking or savings account

Wednesday, XX/XX/year> I received a voicemail at XXXX XXXX that my account was overdrawn over $ XXXX and to make a deposit before XXXX XXXX. I tried to call the bank back but the extension left wasn't correct. I then got ahold of the client service center. The representative was unable to locate my account when I gave them my account number and my social security number. They put me on hold for XXXX minutes trying to find a manager. They came back and still couldn't find it. When the finally did after another XXXX minute hold they verified information. I explained that the transaction causing the overdraft was not mine. I told the representative to look at the transaction history as there has never been a transaction from XXXX County. There was then another credit card payment transaction processing fee related to the transaction. This was fraudulent. The rep said they would stop the transactions. She told me they would block the account and I would need to go to the branch to open a new account. She confirmed it was not related to my debit card. I asked if a form was necessary for me to sign. She said no. The next day I looked at the account and the transactions were returned by I was charged XXXX overdraft charged.
Product: Credit card or prepaid card

On XXXX XXXX or XXXX, I first notified CitiCards by phone about fraudulent charges in the amounts of {$2000.00} and {$1000.00} on my XXXX XXXX XXXX XXXX that posted on XXXX XXXX and XXXX, respectively. I have spoken to at least 20 people in various departments of CitiCards and CitiBank, including CitiPhone, Security Services, and Customer Service. Not once has a single person at XXXX offered me a reference number or case number, let alone a single person or department to contact. 

I was shocked today to be told by a supervisor in CitiCards Security Services named XXXX that the fraud investigator has denied my claim after supposedly determining that the {$3000.00} had been transferred into my bank account. Note that this is completely contrary to what XXXX at CitiPhone ( banking side ) determined on XXXX XXXX when she confirmed my only CitiBank account ( CitiGold checking acct. XXXX ) was fully closed on XXXX/XXXX/XXXX ( after initially being cancelled by me around XXXX of XXXX ). XXXX confirmed there were no successful transfers into my Citibank account, stating attempted transfers were not posted. XXXX made notes in my account clearly stating this, and yet the fraud investigator ignored those notes. I do not have, nor have I ever had, the {$3000.00} or any part of it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

Nelnet account XXXX, XXXX, all nelnet student accounts The reporting of these accounts ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 
Under the Truth in Lending Act 15 USC {$1600.00} ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, driver 's license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Product: Checking or savings account

My account sometimes has a low balance and Wells Fargo will charge me an insane over draft fee larger than my low balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results. I was also effected in the Equifax credit breach.
Product: Mortgage

Dear CFPB, I was told by Caliber Home Loans that during the Covid mortgage payment forbearance, that 7 months of payments that I deferred between XX/XX/XXXXand XX/XX/XXXX during the Covid pandemic on my Veterans Administration Loan with Caliber Home Loans would be put at the end of my mortgage term ofXX/XX/XXXX. It was explained to me that the 7 months of deferred payments would be added to the term ending date, so theoretically XX/XX/XXXX. I just received my loan 'Modification Terms ' from Caliber where they want to add another 25 months of payments to my loan!! My new loan modification date isXX/XX/XXXX!!!!! They lied to me and they have given me a trial period plan where my first payment due date isXX/XX/XXXX for my first mortgage payment since the deferral period that started inXX/XX/XXXX. I then make a second mortgage payment on XX/XX/XXXX which will complete the trial period before I sign my loan modification. My concern is that I need to make the payment on XX/XX/XXXXandXX/XX/XXXX which contractually is what they consider an acceptance to these new modification terms, but I will NOT accept the modification terms of ADDING ANOTHER 25 MONTHS OF MORTGAGE PAYMENTS WHEN I ONLY DEFERRED 7 PAYMENTS!!! PLEASE HELP THIS XXXX XXXX VETERAN WITH HIS VA LOAN WITH CALIBER HOME LOANS.
Product: Credit reporting or other personal consumer reports

To, Equifax Fraud Department Re : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it may concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violating my rights. 

( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report
Product: Student loan

I had to several hardship, I loss everything and had to file bankruptcy. I was advise per the bankruptcy these student loans should have been discharged. I have not been able to get a job with this degree from this university. I am truly in need of some assistance. Thanks in advance!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of INQUIRIES from XXXX ( FINANCE ) XX/XX/XXXX AND XXXX ( BANK ) XX/XX/XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any any such debt in fact therefore exist, ( please remove this account before I seek legal litigation for defamation of character ) .. XXXX XXXX XXXX XXXX {$8900.00}, XXXX XXXX XXXX XXXX  {$400.00}, XXXX XXXXXXXX XXXX  {$1500.00} XXXX
Product: Debt collection

The company continuously calls me, repeatedly all day long and leaves multiple voice mails all on the same day. Last I checked, according to the Fair Debt Collections Practices Act, once you leave a voice message, that's considered a contact and you may no longer call me for the day. Either way, its harassing, especially while I'm at work, and gave no permission to contact me.
Product: Debt collection

I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! I DO NOT AND HAVE NOT HAD XXXX XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH CINVERGENT!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX  SINCE 2015!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE CONVERGENT AGAIN
Product: Consumer Loan

I received notification from USSA regarding an automobile payment being more than 30 days past due, therefore it was going to be reported on my credit. USAA is stating that I made the payment on XXXX XXXX of 2015 ( which was two days past the 30 + days time frame ). I have called the company and asked for clarification as the payment was made on XXXX XXXX, 2015 ( one day before the cut off date ). The explanation given to me was that though I did the correct thing by making the payment the day before it was 30 days past due, they can not remove the credit reporting. Their reason is that because I do not have a banking account with them, but I do with a third party bank, it sometimes takes longer for USSA to process the funds. Despite a long telephone call, there was no resolve. I explained to them that I have no control over how their company financially operates, I only have control over when I made the payment and it was before the date they are claiming. I feel that this is a deceptive business practice and should be looked into further. There is no reason that my credit should have a blemish because of their practices, which I have no control over. I also asked if I made a payment that technically was n't late, but my funds were not processed by USAA before the date in which it would be considered late, would I get a late fee - and I was told yes. Basically, no matter what I do or when I pay, it 's when THEY decide to get the funds and they go by that date. This is not fair to the consumer. I was told that I would have to go through a long process with disputing this with the credit bureaus, which I do not have time for and should n't have to go through the hassle due to their " business practices ''.
Product: Credit reporting or other personal consumer reports

Personal Statement Personal Statement Personal Statement XXXX  had placed two fraudulent accounts on my credit reports, i did not open these accounts, these accounts were open woth out my knowledge i want these accounts removed off my reports, i have knowledge of these accounts, my information has been leaked and it had caused identity theft, please except this report as true that those accounts were open by someone other than I want these accounts removed, I am seeking a lawyer and sue for the data breach that has caused the identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Paid Mortgage Payment- website not functioning properly and stated the following day that it was not paid. Although we had confirmation it was. 
XXXX Paid Mortgage payment again due to the website error and being told by Freedom Mortgage that it was not accepted. 
Both of these were then debited from our bank account the first payment that they stated was not taken and then the second. We can prove through statements from XXXX. 
XXXX Contacted Freedom Mortgage we were told to contact XXXX that this was on their end and nothing Freedom would or could do. Contacted XXXX paid a fee ( out of our pocket for Freedoms mistake ) to then have this payment reversed and credited back to our account. 
XXXX Paid Mortgage Payment XX/XX/2019 Pay Reversal done by XXXX  due to prior phone call with the stop payment & reversal as they blocked Freedom from taking any money from our account. When the request came through from Freedom they denied it based upon this. 
We have screenshots to show this and where it was paid and paid on time. 
XXXX We were made aware that two payments were due at this time due to the mistake outside of our control. We immediately in a show of good faith paid two payments at the same to get this back current. Incurred additional late fee even though this was something we never knew about and have screenshots showing where it was paid on time. 
Even after such as this was corrected and Freedom was aware of the mistake and mishap from the website & XXXX they chose to report this to our credit. The single derogatory remark ever on our perfect credit profiles. This has reduced our scores drastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts and inquiries on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. I have even called the bureaus stating my case and they have done nothing besides ignore my requests again. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.