23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX I have two hard inquiries that should of been soft pull from credit report but instead did a hard pull and I would like these inquiries deleted from my credit report. 
XXXX ) XXXX XXXX XXXX XXXX. Inquiry XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX Inquiry XX/XX/2022.
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I had a XXXX vehicle in an accident and it was a total loss, but my credit report shows about XXXX months of payment which is not true because the insurance company paid, paid quickly, so I would like you to please cancel those non-payments that affect me my my credit since the account is currently off I would appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
2 ) In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
3 ) In accordance with the fair credit reporting act XXXX  XXXX XXXX # XXXXhas violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
4 ) In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights 15XXXXU.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
5 ) In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
6 ) In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I was told that this card was open back in 2017 for the amount of {$300.00}. by XXXX XXXX CARD. THIS debt was bought and sold to Spring Oaks Capital LLC. I have repeatedly asked them for a copy or proof that I have sign for anything, something. Spring Oak has not provided me with a copy of my signature on anything. without my signature there is no proof that this card belongs to me because I have never opened this credit card. I have sent written note and mail to them but to no avail. this is still on my credit report, and I would like to have it removed. this is affecting my everyday life of applying for a loan of lower rate.
Product: Checking or savings account

Since XX/XX/XXXX, Barclays bank has removed access to my Savings Accounts by removing both of my External fund transfer accounts. I opened my first Barclays savings account on XX/XX/XXXX and have been transferring monies in and out of these accounts for eight ( 8 ) years. Barclays has removed my XXXX XXXX, opened in XXXX, external account access and when I try to re-establish this external account I am told it already exists, but it doesn't exist in their Barclays External Accounts tab, stopping all external fund transfers. Per Barclays instructions, on XX/XX/XXXX, I provided their required proof, with the most recent XXXX Bank statement and a photocopy of my drivers license, I believe the deletion of my external accounts was INTENTIONAL on the part of Barclays based on my Feedback regarding their new six levels of information required to login into an accounts. On XX/XX/XXXX, Barclays allowed the transfer of {$25000.00} to my XXXX XXXX account and the very next day Barclays removed the XXXX XXXX account from my External Accounts tab. All this makes me question whether Barclays is a fundamentally sound institution, I should have access to my monies regardless of their security problems.
Product: Mortgage

Carrington Mortgage Service, L.L.C sent me their payoff statement listing several items including one item listed as " other unpaid expenses '' for {$5100.00}, which was included in the total amount of {$260000.00}, that was sent to Carrington.

I am trying to find out just what was included in this lump misc. figure listed above, with no success. I have telephoned Carrington and also faxed them a written request for this information, all to no avail. I have also contacted the new XXXX holder senior widow neighbor that I have known for some time ( she offered to buy this mortgage from Carrington, which she did, in XXXX  of 2021 ). Also, I contacted her local attorney - 3 times plus 1 personal visit, along with requesting this answer from the attorney that handled my side of this transaction. No one seems to know the answer. 
The new XXXX lady told me, via email, that she has no idea as to what this figure consists of. She went on to say that it was unlikely that her attorney would know the answer to this question. She followed up by stating,, and I quote : " The closing agent simply pays the payoff amount requested by the mortgage company '' end quote, with a suggestion that I contact my attorney that handled my part of this original transaction.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, Equifax had a data breach that exposed the personal information of XXXX XXXX people. I was XXXX of those people my information was stolen and used. There is an account by the name of XXXX XXXX thats on my report thats not mine and its also reporting as a collection with XXXX XXXXXXXX XXXX  I had sent documents to all credit bureaus and several disputes. Even contacted the creditor they cant verify me due to me giving them wrong information I dont have the address that was used for that account. This account shows inconsistent information this account says it was open in XXXX of XXXX.
Product: Debt collection

I am receiving letters from Thunderbird Collections Specialists Inc in regards to a medical bill that my fianc had with XXXX XXXX XXXX. This company has tried to report this to my credit report and saying that my last name is my fiancs which it is not. I have advise the collections agency that I am not responsible for this account since we are n't married at this time and that they needed to remove it off of my credit. I advise them to not contact me to my cell anymore. A few days goes by and they continue to contact me about this account, advise them again to quit contacting me. It has been weeks since the last call I have received, now I come home from work to get a treating letter that is address to me " who 's not responsible for the debt '' ... .... and the letter state " YOU HAVE FAILED TO MAKE ACCEPTABLE ARRANGEMENTS WITH US REGARDING THE ABOVE REFERENCED ACCOUNT. WILL IT BE AGREEABLE WITH YOU FOR US TO CONTACT YOUR EMPLOYER AND ARRANGE TO HAVE THIS DEDUCTED FROM YOUR SALARY BY MEANS OF A VOLUNTARY WAGE ASSIGNMENT? PLEASE REPLY IMMEDIATELY .... SINCERELY, THE PERSON NAME '' which is a treat to me and will not be stand for!!!! This account also should had been covered by her insurance from XXXX XXXX XXXX XXXX XXXX XXXX, which had fraud and internet breach around the time that they are saying it was n't paid. I am including XXXX different letters that have been sent from this company and that I view as collections treating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieve quarterly credit updates for all three bureaus through a credit monitoring service. To date, the negative information placed by XXXX has been recently removed/aged off on both my XXXX   and XXXX reports. Upon noticing that Equifax was still reporting it and affecting my credit score, I went on their website to dispute the account still appearing. While reviewing what was listed, I noticed many discrepancies. First, Equifax was showing a " monthly payment '' for months when the account was already in a " chargeoff '' status. More importantly, they are reflecting a 1st delinquency date of XX/XX/XXXX which is inaccurate. That is when it was placed as a charge off, but the 1st delinquency date was after the last payment was made in XX/XX/XXXX. My credit monitoring report from XXXX shows the 1st delinquency as XX/XX/XXXX which is 60 days after the last payment was made. When I called them today, the representative stated they will reach out to XXXX and I need to wait 30 days. She told me I will have to wait until XX/XX/XXXX. This is not an XXXX issue, but an Equifax issue. They are reporting false information and are refusing to follow the law and remove the account.
Product: Debt collection

XXXX XXXX ky payed a log book ticket after they fired me then sent the amount to a collection company this company really owes me never pay ed me what they owed me they the collection agency is reportng this to XXXX
Product: Debt collection

I had medical at the time and just did n't have my card with me. They should have billed my insurance instead they billed me
Product: Credit reporting

I disputed several items on my credit report and they have not responded with proof or anything.
Product: Checking or savings account

On XX/XX/year> I attempted a mobile check deposit into my SoFi checking account for the amount of {$23000.00}. The check is for a loan I received from XXXX. The next day my account was frozen and I am now unable to access my funds. I also received an email informing me the check could not be deposited. I immediately reached out to SoFi to get an understanding of why my account was locked and they told me it was being investigated and there was no time table on how long the investigation would take to complete. It is my only checking & savings account and without access to my funds my bills wont get paid in a timely manner.
Product: Checking or savings account

This bank is horrible, each banking rep in person or on the phone will give you different answers. The scam works as follows : The backend computer system adds a delay to any deposits you make will be delayed as long as possible in order to charge you more overdraft fees. 

Any withdrawals are structured in such a way so that they will not appear on your statement or at the ATM until its too late. They structure them to their advantage. There are literally hundreds of other people that have this exact same complaint. I want a refund for all NSF fees i paid to this bank or I will sue them in court.
Product: Credit card or prepaid card

I have XXXX credit cards with Elan through XXXX Bank. I call this fraud - you may call it something else. One is closed because Elan raised my credit line ( without my request ) increase of {$5000.00}, with an introductory 2.99 %. Once I used up the increase and was making payments on time, I received notice I was losing the 2.99 % due to a drop in my XXXX score and the new rate was 23.24 %. I have been paying on this account regularly but closed it because I felt taken advantage of. The second card is currently open and I continue to pay on this one. The problem is an unauthorized online scheduled payment of {$1100.00} was taken out of my checking account without my knowledge or permission. Elan has dropped my credit limit and claims they can not return the unauthorized payment because it would put me over my credit limit. My regular payment of {$450.00} was made by phone, on time, using the same checking account. I always pay credit card bills by phone and record the confirmation number and amount paid on the bill.
Product: Checking or savings account

Chase Bank on XX/XX/23 {$5500.00} and on XX/XX/23 {$1900.00} was withdrawn from my business checking account without my approval.
Product: Checking or savings account

I am writing to file a compliant 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 transactions 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

The following account are reporting as charged off, an I havent received my XXXX C form for other account. An because of that fact the account is inaccurate and has to be removed. The account are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Starting XX/XX/XXXX I thought I was applying for a remote job position, I contacted a friend that posted the job on XXXX and I was asked to send my personal infiormation to her to give it to the hiring manager and I was contacting by XXXX XXXX  that asked me information about my life and about the job well she explained to me that I got the job and explained how much I would make and so on, she stated that the job would come with a new computer from the third party source hey used, I didn't think any of this was strange she also told me that the funding would come in batches and I needed to be patient and trust the process, we communicated daily to every other day it started with a small check for {$550.00} on XX/XX/XXXX I deposited in my XXXX account as directed it was returned then on XX/XX/XXXX she told me to deposit {$1900.00} into my XXXX account as well to cover the overdraft of the {$550.00} so I deposited it that check went through no issues then on she XX/XX/XXXX she sent another check for equipment for {$1700.00} for yet again XXXX that was returned and then on XX/XX/XXXX for {$2900.00} which the bank put on hold for extensive hold with no problem then she contacted me again and wanted me to deposit {$2400.00} in the XXXX XXXX XXXX account which I did, she wanted acess to my account at this point I didn't trust her at all so I changed all my information and didn't grant access at first I did but I was growing vey suspicious of this person and the job, so I went into XXXX XXXX XXXX to deposit the check, they placed a hold on the check then the last time she sent me a check was XXXX for {$1400.00} that I deposited into Bank of America when I seen the check was from there I asked if I could use my account and she stated yes and that's when I did a moble check deposit. I went to check my account and it was locked and I could not access anything so I waited until yesterday morning to contact the bank they told me that my account had been closed due to the fradulent check that was deposited no questions asked they just closed the account and stated that the funds remaining in the account would be mailed to me to me on XXXX XXXX. Also I got a call from XXXX XXXX XXXX stating that they were closing the account there as well with no explanation but to say the check was fradulent and with it being a new account it would close my account, I have every check and can prove everything being said.
Product: Consumer Loan

My lender has not reported accurate information to the credit bureaus since XXXX/XXXX/2016, they are still showing i have a balance outstanding even though i have paid in full since XXXX/XXXX/2016. This caused me to be denied credit and denied a mortgage since my potential lender was showing a balance owing making my debt to income ratio wrong.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Nelnet cashed the check but won't credit my account. Amount of {$2000.00}. They just email asking for past amount and interest. I called and waited an hour and a half with no answer. Emailed three times with no answer.
Product: Checking or savings account

XX/XX/XXXX checking account was compromised. Opened new account and ordered checks. Upon arrival of checks, I paided bills. Checks were not honored by the bank and indicated I did not have sufficient funds for payment. 

The bank FAILED to transfer funds from compromised account to the new account. The time period from opening the new account to writing NEW checks exceeded 10 days. 

Since XX/XX/XXXX I have requested a letter from the bank to the creditors and myself indicating that THEY, THE BANK, did not transfer funds from the compromised account to the new account they suggested I open. 
The bank has refused to admit their failure to transfering the funds, or that they had any involvement in this process. 
Any communication that I have received from the bank, has never addressed the issue regarding transfering of funds. 
The local branch has a problem with giving me District or Regional Management contact information so I can forward my complaint. 
The bank must admit failure to transfer funds, and provide me with documentation to my creditors, Credit Bureau and myself, explaining these returned checks. 
After 45 days I believe it is time for BANK of AMERICA to address my concern. 
( If a B of A payment was 45 days late, I am sure there would be communication!! )
Product: Credit card

I have XXXX prior Capital One Credit Cards showing on my credit report as past due. I called capital one and told them to send me statements, which they have not done. 

I would like them to remove these from my credit report permanently, as I do not own these accounts anymore. My credit score has been completely destroyed due to these misreported items and failure for Capital One to send me any details.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Transunion and XXXX and XXXX have violated my rights, and they violated the law, 15 USC 1681. I have written on many occasions asking them to fix the issue or delete the following due to inaccurate reporting. its reporting a balance on a paid off account and they have failed to delete or update the account. 
XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX ) Account number : XXXX - IDENTITY THEFT XXXX  XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I AM APPLYING FOR HARDSHIP ASSISTANCE WITH MY LENDER FREEDOM MORTGAGE. THEY ARE REQUESTING FOR MY XXXX TAXES, I HAVE LOST MY 1040 'S AND HAD TO CONTACT THE IRS TO REQUEST FOR A COPY WHICH THEY PROVIDED MY TRANSCRIPTS FOR XXXX AND XXXX. I HAVE SENT THEM TO MY LENDER AND THEY ARE STILL REQUESTING FOR MY TAXES, I HAVE CONFIRMED THAT THEY HAVE ALREADY RECEIVED THE TRANSCRIPTS VIA EMAIL AND THE REPRESENTATIVE THAT I WAS SPEAKING TO TODAY STATED THAT HE DOESNT KNOW WHAT TRANSCRIPTS ARE!! THIS IS INSANE! HOW DO YOU LIVE IN UNITED STATES AND NOT KNOW WHAT IRS TRANSCRIPTS ARE, HOW CAN FREEDOM MORTGAGE HAVE AN UNDERWRITER ON STAFF THAT DOES NOT KNOW WHAT TRANSCRIPTS ARE!! I LITERALLY HAD TO EXPLAIN STEP BY STEP WHAT TAXES ARE FROM 1040 'S ALL THE WAY TO TRANSCRIPTS FROM THE IRS!! 

IT IS APPARENT NOW THAT FREEDOM MORTGAGE IS DUAL-TRACKING AND I WILL NOT TOLERANT THIS IGNORANCE. IT IS NOT MY RESPONSIBILITY TO TRAIN FREEDOM MORTGAGE UNDERWRITERS AND EMPLOYEES TO RECEIVE HARDSHIP ASSISTANCE.
Product: Mortgage

My loan was transferred from XXXX XXXX ( servicer for transfer XXXX XXXX ) to XXXX ( Shellpoint payment hub for XXXX ). XXXX capital never made me aware of the transfer. XXXX XXXX said they sold the loan on XX/XX/XXXX but I was not made aware until I received XXXX XX/XX/XXXX statements, XXXX from XXXX XXXX and XXXX. Not only that, I have a statement from XXXX XXXX for XX/XX/XXXX which I paid on XX/XX/XXXX for {$1500.00}. If XXXX XXXX had sold my loan on XX/XX/XXXX why did I get a statement for XXXX and XXXX. XXXX sent me letters of delinquent payment but I was not aware that my loan had been sold, the fact that I had a statement from XXXX XXXX for XXXX and XXXX. I have been in daily contact with XXXX XXXX and XXXX since XX/XX/XXXX when I discovered the issue. The inability for these two companies to process the transfer is astounding. Now it is past the 60 day protection and things still haven't been resolved.