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

I had a standing order that if funds in my bank account were low, that regular payments such as XXXX XXXX and XXXX not be withdrawn. I did not give my consent to have these deducted from my account and than to be charged {$35.00} service fee on each item. 
XX/XX/XXXX XXXX XXXX was withdrawn of {$10.00} XX/XX/XXXX Overdraft fee charged of {$35.00}.

XX/XX/XXXX Overdraft fee charged of {$30.00} XX/XX/XXXX XXXX XXXX for {$31.00} XX/XX/XXXX Overdraft fee {$35.00} XX/XX/XXXX Overdraft fee {$35.00} XX/XX/XXXX Per mobile phone deposit, {$680.00} ( which as of XX/XX/XXXX still pending ) XX/XX/XXXX Debit converted check of {$10.00} XX/XX/XXXX Overdraft fee of {$35.00}. 
I called call center for Bank of the West XXXX to explain that per my order I did not consent to these being withdrawn. The supervisor stated on automatic payments that they were withheld.
Product: Mortgage

Hello XXXX, I purchased my home in XX/XX/2015. When I purchased my home the taxes was {$1700.00}. In less than 3 years my property taxes nearly tripled to {$7500.00} per year. Im not sure if the sellers were senior citizens who were entitled to a senior discount or in the military and receiving 70 % or greater discount that resulted in very low taxes. The sellers were not at closing, so I never met them. 

I was never informed by my mortgage loan originator ( Loan Depot ) who the sellers were. I only knew that the property was in trust. I later learned that the property taxes are based on 2 % -2.5 % of the sales price which was $ XXXX. I would like to file a complaint as a result of my property taxes tripling in just 3 short years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX. And Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Hello ; In XXXX and XXXX I made many payments to clear up my credit. One of my collectors was Comenity Bank holding cards for ; XXXX, XXXX, XXXX XXXX XXXX was paid. 

I am using a credit repair company and under Comenity, my accounts are listed as " CLOSED ''. 
On XX/XX/XXXX I got a letter from XXXX XXXX XXXX , XXXX acting on behalf of " XXXX XXXX XXXX , XXXX Collecting for Comenity Bank for {$420.00}. 
On XX/XX/XXXX I got a letter from XXXX, XXXX XXXX XXXX acting on behalf of " XXXX XXXX XXXX , XXXX Collecting for Comenity Bank for {$640.00}. 
On XX/XX/XXXX I got a letter from XXXX XXXX XXXX XXXX XXXX of IL acting on behalf of " XXXX XXXX XXXX , XXXX Collecting for Comenity Bank for {$520.00}. 

These accounts I paid and are closed. I believe these accounts may have been sold to another collector at this point. These items should not be returned to my credit report.
Product: Credit reporting or other personal consumer reports

Until XX/XX/2021 I was not provided with promised services i.e. I did not receive data correctly at my home per my XXXX, wireless contract and agreement. Therefore, services I was paying were not being rendered and breach of contract occurred. I tried repeatedly to correct the service with XXXX through various departments including tech, to no avail. I left them in frustration finally. I tried to negotiate the amount due because these services were not delivered. They were nasty and mean and preyed upon my hardship during the pandemic. Ultimately they sold the debt to XXXX XXXX XXXX, and this is who I paid and now have a XXXX balance. In essence, XXXX  XXXX, and trans union are report negatively for an exorbitantly punitive amount of time! When XXXX, the information on these reports is inaccurate -XXXX XXXX not the collection -which is why it should be deleted from all XXXX agencies immediately. Someone help here. Seriously, how is this legal. I have right in the Fair credit reporting act and they are being violated. Innacurate information and phone calls at inappropriate times. XXXX and XXXX last night was the most recent from the executive level of XXXX because I have made complaint with the FTC XXXX XXXX XXXX State Attorney and the XXXX. I was definitely harassed last night because the situation and the effort this must be deleted! It definitely not fair and definitely not accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$650.00} XXXX XXXX   XXXX {$0.00}
Product: Checking or savings account

My name is XXXX XXXX Im a victim of unemployment fraud I have been going back and forth with department of labor since XX/XX/XXXX I filled my unemployment in XXXX of XXXX I had issues with my account with trying to login for months when I started my account late may or XX/XX/XXXX I finally got assistance with my account Around this time they reset the account for me and I was able to proceed with my application I was missing my social security card so I had to order a new 1 So I sent my Id and my passport information to dept of labor They told me they needed my social security card So I had to order a new one, do to the pandemic it took much long to receive it Around XXXX I receive my social security card and sent it over to department of labor Around XX/XX/XXXX started receiving my benefits Do to the fact it took so long to give them the social security card They started releasing payment that started from XXXX XXXX XXXX XXXX Everything was fine the funds were being deposit in my account for direct deposits Around XX/XX/XXXX had problems accessing my account My password was changed When I noticed that I called department of labors to inform them my information was changed They help me get back online When I got back access to my account I saw someone change my information My email, mailing address, and telephone number and they changed my direct deposit to debit card with key bank I saw that a debit card was created and mailed to the address that they changed my information too XXXX XXXX is the bank unemployment use to give you access to funds that are provided to you if you dont have a bank account Someone change the mailing address to XXXX XXXX XXXX XXXX XXXX NY XXXX Change telephone number to XXXX And also changed email to XXXX So at the time unemployment put block on my account Unfortunately when they locked the account They kept the fraudulent information Which caused this fraudulent account to continue to receive my deposit I call the labor department everyday for 2 years They told me be Patient it takes time to Resolve In XXXX they fixed my account so I can receive the remaining deposits In late XXXX the sent me a trace letter to contact bankcorp Which sent me to chime To come to find out this where my funds were being sent fraudulently I spoke chime the put in disputes and investigation to no avail The said give them up to 60 days to investigate which would of been XX/XX/XXXX No help I have the statement from chime for all the transaction I dont know what else to do I call labor department they say call XXXX Account number XXXX Claim id number XXXX Fraudulent account under my information The information above is the information tied to the fraudulent account I have account statements I have trace letter I have emails for 1 plus year with chime 2 years of expand to labor department what happened to me Everyone said they cant help me They took XXXX $
Product: Mortgage

XXXX XXXX  misapplied my payment as a principal only payment and now says Im behind in payment for XX/XX/2023 payment. 
Beginning XX/XX/XXXX they sold my loan to Chase Bank. Now when Ive tried to resolve this Im told to deal with Chase bank. Ive tried to speak to someone but chase is automated and just keeps referring me to automated responses. 
Im very concerned about my credit being damaged.
Product: Debt collection

Account states it was opened XX/XX/XXXX Last Reported XX/XX/XXXX Payment Status Collection/Charge Off Amount {$1500.00} Company Name : COMMONWEALTH FINANCE Attention Fraud Department XXXX XXXX XXXX XXXX company, CommonWealth Finance on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.
Product: Mortgage

We will be experiencing financial loss due to the negligent actions of UWM ( our current mortgage lender ) due to their failure in servicing our current mortgage loan properly. For the last month, we have been requesting UWM provide us documented proof of our payment history as well as an active mortgage to show as proof to a new mortgage lender we are in good standing. They have failed to provide these documents despite nearly half a dozen requests to do so over the course of the previous 45 days.

We have deposited earnest money with a seller for a new property purchase, and paid for property inspections and appraisals, but due to UWM 's failure to provide us with any documented proof of payment history or account status, this has affected our ability to seek new credit. 

This issue arose as a result of my wife and I electing to use SCRA protections for military members. This offers a 6 month mortgage forbearance without accruing interest. in the process of leaving SCRA protections our mortgage lender apparantly messed up our account very bad, increasing out monthly obligations by {$500.00} and blocking us from making payments. Currently, these two errors have been resolved but they are failing to provide us with proof of our payment history and account status despite nearly a dozen requests over the previous month.

We have contacted a military attorney who submitted a formal demand letter to UWM around XX/XX/XXXX notifying them that discriminating against service members who have filed for SCRA protections is illegal and they continued to fail to provide the documents we have been requesting. 

One of our payment history documents provided was an empty document. There was a page that explained how the payment document was structured, and then the next page said " contact customer service if you have questions '' ... no payment history anywhere in the document. 

Our documents we have been uploading to their portal have regularly been getting deleted. I can not access a single document I've uploaded to their document portal over the entire course of our loan. 

Additionally, their " chat with us '' service reps have a very frequent habit of ending chat as soon as they actually look at our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checked credit report and discovered Experian, XXXX and XXXX were all reporting several fraudulent items. i have attachments supporting these items be removed and blocked per FCRA.
Product: Credit card or prepaid card

On my XXXX credit report there exist two hard inquiries by ( BOA ) Bank of America dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted ( BOA ) spoke with a representative and requested a letter of deletion. They said NO because I requested a credit line increase and the inquiry was valid. It was never disclosed to me at the time of my inquiry that a credit report would be pulled ; and when I asked for proof of said I was told " they can not provide this information to me. I responded by saying " I have a legal right to this information ''. I was agan denied ; and was told that a complaint would be filed. I the spoke with a supervisor who said " They do not have a scripts that require them to inform customers nor are they required to because it is in there terms and conditions. I responded by asking where?, because I could not find this in there terms and conditions. I am affirmed that this encounter was deceptive and violates my right in making an informed decission. My right to disclosure at the time of said is without parallel.
Product: Credit reporting or other personal consumer reports

I have been disputing inaccuracies on my credit reports caused by XXXX XXXX fraudulent and defamatory reporting of delinquencies on accounts ending in XXXX and XXXX. Between XX/XX/year>, and XX/XX/year>, I sent multiple certified letters requesting debt validation as required under federal law, yet XXXX XXXX failed to respond, instead claiming they were not collecting a debt while continuing to report delinquencies. I spoke with XXXX, Employee ID # XXXX, who admitted that higher-level executives at Capital XXXX explicitly stated they would not address or correct these issues. Despite this, XXXX, Experian, and XXXX allowed the fraudulent delinquencies to remain on my reports, neglecting their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable investigations and ensure accurate reporting. Furthermore, these credit reporting agencies unlawfully sold my personal information to third parties without my consent, compounding the harm to my creditworthiness, financial stability, and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with some one from XXXX XXXX XXXX XXXX letting them know I never authorized nay card to be open in my name I asked XXXX if they could verify that I had applied for this card that they are reporting they stated the card was opened on line with my information I did not open this card and this. Closed account reporting is fraudulent, I have also had the same issues with XXXX XXXX I never opened any Credit card through their company they to stated it was an online opened account! During the time I was staying will people while attending school my identity was used I never collected mail from this home I learned of these cards through credited reporting.
Product: Credit reporting or other personal consumer reports

This company is reporting to my consumer report that the account is charged off but has not provided me with the proper copy of tax form 1099C so that I may file my taxes properly. I reached out to the company via U.S Mail and also called the company but was met with no help and told they dont provide these forms. I informed them that if they are reporting the debt as charged off on my account then I need a copy to report this as income on my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this portal dated XX/XX/2018 Transunion responded that I requested a reinvestigation and dispute. I DID NOT! My complaint was addressing Transunions non compliance of the FAIR CREDIT REPORTING LAWS! My complaint is NOT for a re-investigation it is for their method of verification of inaccurate information they are reporting on my CR. I mailed this attachment with supporting documents. Its been over 60 days and I have received nothing. CFPB when will you step in and stop these law breaking tactics by these reporting agencies? I want Transunions methods of reporting not their dispute or reinvestigation so I can prepare my lawsuit.
Product: Checking or savings account

They took a XXXX  transfer from my account and the bank doesn't want to help me with the fraud! I did not do that transfer
Product: Debt collection

They call and call almost daily ... .leaving no messages. I block the number and then they use another number. I researched them and they have lawsuits against them in other states. I am debt free and owe no money. They are calling for another person and are harassing me continually. I told them no such person lives at this number.
Product: Mortgage

On XX/XX/XXXX I received a letter from Ditech my mortgage company stating that I am eligible to receive an additional pay for performance incentive in the amount of $ XXXXThis is under the guidelines of the Home Affordable Modification Program that is tied to Dodd-Frank. I had to send in a Certification form. I did so on XX/XX/XXXX via fax.See attached documentations. Shortly there after I called to verify that they had received my documentation and was told it had to be processed.On XX/XX/XXXXI was told that everything was in order but it could take up to a year to complete. On XX/XX/XXXX and XX/XX/XXXX I was told a similar story and the last time they had no record and had little information about the program. I was sent to a different extension were I got a voice mail to leave a message with my information and I would receive a call back which never happened. I this point I am tired of the runaround by this large bank and seek your help. A gravely similar and much worse process took place during my loan modification which resulted in a {$20000.00} impact on my mortgage. Please Help, XXXX XXXX
Product: Student loan

I was enrolled in a film program at the for-profit XXXX XXXX XXXX California - XXXX XXXX. Before I could finish the program and earn a XXXX XXXX, I moved from XXXX XXXX to XXXX, and was assured that I could transfer to the XXXX XXXX campus of the school and finish out the program. However, once I arrived, I was told that my loan program had been cancelled. I had to apply all over again. My co-signer was denied, as was a second co-signer. I was told that because of the loans I had already accrued - for a program that I had not yet completed - I could not take out any more loans ... this despite the fact that those loans were not yet in a repayment period. 

Thus, for years following the cancellation of that loan program, I took whatever job I could find, and wound up making less than {$27000.00} per year working full time at a XXXX XXXX  company. I could barely pay my rent, much less put anything toward repayment. Without a degree, finding any other kind of higher paying job or starting a new career was essentially hopeless. 

That school 's parent company XXXX has since been sued by the federal government for predatory recruitment practices and as of XXXX has lost all accreditation. I can not use the units I earned there toward a degree at a state school, and am ineligible for financial aid of any kind because of these debts. 

First XXXX held the debts. Then the debt was evidently sold to XXXX, XXXX XXXX XXXX XXXX Now, these are held by GC Services Limited Partnership . 
XXXX, XXXX XXXX XXXX XXXX previously offered to settle for the amount of {$62000.00}. This was contingent upon receiving that amount by XX/XX/XXXX - which was absurd, since that is more than I make in one year. 

I have reached out to work out a payment plan based on my projected income, but they have not been willing to settle this via letter. I want everything on paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received Capital One 's response to my complaint that they incorrectly reported to the CRA 's that I was late over 30 days in XXXX of 2019. Their mistake was to claim that I drew on an account that is still an option for me to use on this account, and that as of the date of theri reply that it still is an option to draw from that account. I have verified with my own account and their customer service that this XXXX XXXX account has NEVER been an option to pay for this credit card. Capital One is in fault here and this should late should be removed from my reports, and they need to do an internal investigation on how one side of their company is saying one thing to me and the other side is saying something different. This has severely hurt my chances on buying my dream home and Capital One needs to take accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A- States I have the right to privacy 15 USC 1681 section 604A section 2 - States a consumer reporting agency can not furnish an account without my written instruction. 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. 

I HAVE SENT CERTIFIED MAIL 3 TIMES TO ALL 3 ( XXXX, TRANSUNION, XXXX ) NONE OF WHICH WERE RESPONDED TOO ON ANY OF THESE ACCOUNTS. ALSO ONE TIME I DID RECIEVE SOMETHING FROM TRANSUNION SAYING THAT THE INFORMATION IS VALID.

FIRST OF ALL THIS SHOULD OF BEEN TAKEN OFF MY CREDIT REPORT AFTER THE FIRST FAILED ATTEMPT TO RESPOND WITHIN 30 DAYS.

SECOND I CHALLENGE THE VALIDITY ON ALL OF THESE ACCOUNTS, PROVE TO ME THE VALIDITY OR TAKE THIS OFF MY CREDIT ONCE AND FOR ALL OR I WILL BE CONTACTING A LAWYER AND TAKING ALL 3 TO SMALL CLAIMS COURT, THIS IS INSANE AND NOT THE WAY YOU ALL CONDUCT BUSINESS. 


I DEMAND ALL OF THESE ACCOUNTS TAKEN OFF MY CREDIT, THIS IS MY LAST AND FINAL ATTEMPT BEFORE I PURSUE LEGAL ACTION!
Product: Debt collection

On XX/XX/XXXX, I was contacted via phone, email, and text message by XXXX XXXX from Cedars Business Services ( XXXX, XXXX ) regarding a non-existent debt which Cedars claimed I owed to XXXX. 

No such debt ever existed. 

On approximately XX/XX/XXXX, I ordered two desks on XXXX totaling {$5500.00}. When the desks finally arrived, they were so badly damaged that I refused to accept delivery. XXXX issued a complete refund via XXXX on XX/XX/XXXX. 

I have provided Cedars Business Services the above information.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit card or prepaid card

On XX/XX/2019, I used my American Express bluebird pre-paid card to purchase an item. After not receiving the item in mail, I filed a dispute with Amex on XX/XX/2019. After 10 days of the investigation passed, Amex did not contact me nor did they grant me provisional credit. On XX/XX/XXXX they sent me an email that said they are in receipt of my dispute and that they will contact me if they need any more information from me. Today is now XX/XX/XXXX. I called them and they have no further information for me. I don't believe that they are adhering to federal regulations.