23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened an account in XXXX 2015 with Citizens Bank, in XXXX, PA, with XXXX XXXX NMLS # XXXX. Iam XXXX so I receive a check once a month on the XXXX.At the time, I gathered {$20.00} to open this account.I was so excited cause everything went well.At th time of this new account Citizens was running a promotion.The promotion promised a deposit of {$200.00} to my checking account after three consecutive months of my XXXX deposits. XX/XX/XXXX I stopped at another Citizens off of XXXX XXXX in XXXX, PA..It was only $ XXXX- {$30.00}. This guy informs me that the account was set up wrong and said do not worry he would fix it.I thought nothing of it. 
When I did not receive the {$200.00} after the 90 days, I called and was told 120 days.After 120 days, I called again and was told I was miss informed and it was 190 days. Now, please keep in mind I just lost my home, my daughter was XXXX my family member and was really counting on these funds for the holidays. Then, comes the letter from some big wig, XXXX XXXX at XXXX Eastern Time, that states I am not eligible to receive the funds because their records state I opened to accounts in under six months so I wont be receiving the promised {$200.00}. How much sense does it make that a poor person, who just came from being homeless from losing 25 years of house payments and belongings and living on streets until I could get a slum roof over our heads before winter set in.I NEVER OPENED XXXX ACCOUNTS THEIR EMPLOYEES XXXX THIS UP AND THEY WILL NOT ADMIT IT.I requested proof of my signature for XXXX accounts XX/XX/XXXX..I heard nothing since. Now, they took a {$35.00} overdraft fee and will not return it when they know it is their error.The bank manager in XXXX, PA AGREED AND COMPLETED paperwork to get it back and now they are saing I had a {$5.00} overdraft the day before my XXXX deposit came in on XX/XX/XXXX. I took my rent on XX/XX/XXXX which left me {$.00} in my account. The next Monday ( 2days after ) went in to deposit {$5.00} from money order so I could use the {$15.00} for train to get to doctors office and that 's when they hit me with {$35.00} fee.I went directly to manager, ( 3rd time they assigned {$35.00} fees that should not have existed ). Look I HAVE had a few times that I did use the overdraft option and had no problem paying their initial {$35.00} fee and then their {$6.00} daily fee until you replace the funds borrowed and {$35.00} fee. I want my {$200.00} and my {$35.00} fee from XXXX/XXXX/15 before I find another bank that do not steal from their customers.I am not the only one. Apparently, they do this often.I even witnessed XXXX people fighting for the same thing but they are accepting it cause they are given no other recoarse.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), Dated, XX/XX/2024, I, XXXX XXXX, am writing to file a complaint against TRANSUNION, XXXX, and XXXX regarding inaccurate information reported on my consumer report. The inaccuracies include errors in my name and employment details, leading to challenges in identity verification by banks and causing me significant emotional distress. 

Attached, please find a letter demanding the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. 

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

On XXXX17 I went to the Equifax site that was supposed to show you whether or not your account had been hacked after their announcement. I paid the {$10.00} each for my wife and I to freeze our accounts on Equifax, XXXX  and XXXX. However, I found out that the website given by Equifax, would note that your account was probably one of those taken in the hack, no matter what name or number that you inserted. This site noted by Equifax was basically a lie. 
I believe that the Equifax security breach is the biggest con ever pulled on the American people. If you review the facts, Equifax says that about half, or XXXX million accounts were hacked. Then they lied about the website that they set up for you to see if yours was one of the accounts. You can put in any name and any number, and they say that yours was probably one of the ones hacked. THEN they charge you {$10.00} to freeze your account. Just suppose that the breach did n't happen, and at least 100 million of the accounts is frozen by card owners, at {$10.00} each. Equifax would have to do absolutely nothing, and they would put {$1.00} billion profit in their coffers. The other 2 agencies would say nothing, even if they suspected, because they charge {$10.00} each to freeze your account in their system also -- -- -and bingo,  they also would profit by at least {$1.00} billion.  Whomever has jurisdiction over these agencies needs to verify, absolutely, that the breach occurred, or this could be the greatest con ever attempted on the American people.
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 forced my checking account to be closed by Navy Federal. 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: Consumer Loan

National Service Bureau, Debt collection agency contacted me to state that they are going to sue me ( the first time I spoke with them ) and that I took out a debt and continues to call and hang up on me. After notifying the agency that I would be contacting my civil attorney in regards to disputing this debt, XXXX, the debt collector continued to hang up on me after I tried several times to have a conversation with him in regards to this account. He then called my home phone number leaving a message asking for another person who is not my spouse to talk about my debt.
Product: Mortgage

I APPLIED FOR A HAMP LOAN ASKING FOR REDUCTION IN INTEREST RATES AND A PRINCIPAL REDUCTION FORGIVENESS. I WAS GRANTED A INTEREST REDUCTION BUT NOTHING ON PRINCIPLE FORGIVENESS. WHEN I TOOK OUT THIS SUB-PRIME ADJUSTIBLE MORTGAGE MY HOME WAS APPRAISED AND I AM STILL OVER 40 % UNDERWATER TODAY. SO WAS I TAKEN AGAIN BY THE MORTGAGE PEOPLE BY NOT GRANTING ME SOME PRINCIPLE REDUCTION FORGIVENESS?
Product: Vehicle loan or lease

I have a loan that held a title as collateral. The car stopped running shortly after and the loan company allowed me to drop insurance on the vehicle. The loan went into default and they refuse to repossess the   XXXX   off my ex husbands land or give me the title so I can dispose of the car. I have called them and left messages but no one will call me back. It 's  XXXX  in  XXXX  sc
Product: Credit reporting, credit repair services, or other personal consumer reports

This is criminal. 

I have an old XXXX XXXX XXXX account ( XXXX ) showing on my credit reports with inconsistent and inaccurate information. I will attach a a picture for reference. You can see on the 3 credit report attachment that the following information is inconsistent across the three credit agencies : 1. Account Status 2. Date Opened 3. No of Months ( Terms ) 4. High Credit 5. Payment Status 6. Last Reported 7. Date Last Active 8. Date of Last Payment The payment history is also inaccurate. Equifax had the account in Charge Off Status for over a year after it was legally settled. I obtained a car loan 13 months ago and my interest rate was affected by this fraudulent information ; meaning I have monetary damages due to this illegal reporting. I disputed multiple times and the information is still there, the only thing Equafax did was change by last few payments to " On Time ''. IF IT WAS A CHARGEOFF HOW CAN IT SUDDENLY BE PAID ON TIME THE LAST 6 PAYMENTS. Please look at the attachment and see how insane this reporting is. I will be seeking legal advise.
Product: Money transfer, virtual currency, or money service

I was a verified user and had many transactions, but after some years, they said that my verification failed and froze my funds. I have asked them to request all the necessary documents to verify me again and give me access to my funds. However, for the last two years, they have taken no action and have not even tried to verify me. After deeper research, I found that they are doing the same thing to many users, and there are many complaints against them
Product: Credit reporting or other personal consumer reports

I have inquires on my credit report XXXX XXXX XXXX on XXXX XXXX that I'm not aware of.Also I some more inquires from XXXX XXXX  on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. I'm disputing this account. My name is also missed spelled. Also i have never lived at the address that they have on file XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXX XXXX account about XXXX XXXX XXXX with all XXXX credit bureaus from my XXXX XXXX credit report. My dispute letters dated XX/XX/2022, stating that this account was purchased/ sold to another lender. I do not owe money to this creditor and is being reported inaccurate as well. 

Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

This is what my dispute letter states to all XXXX credit bureaus. I'm stating now and again, please delete this account. There is no need to modify, verify or adjust anything. I don't owe money to this creditor. Please delete. See attachment for the dispute letter and credit report. 
I don't understand why do ya 'll allow companies to continue to report on consumers credit reports when they have sold the accounts to other lenders. When we dispute this matter, ya 'll always
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed accounts on my credit report from more than 7 years that the credit bureaus will not remove. I also have credit accounts on my credit report originating XXXX even though I was born in XXXX. 

XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX
Product: Checking or savings account

XX/XX/21 well Fargo closed my account they said because of fraud activity they took XXXX dollars for something I knew nothing about
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted both Equifax and XXXX  every month and have outlined that there is an account that was fraudulently opened under my name. i sent them the police report and the address where i was living at the time when the account was opened. the information that the bureaus are reporting are incorrect and i have been disputing this for several months already and they do not want to remove this incorrect information EVEN with a police report! how is it that XXXX  took it off because they saw that it didnt belong to me yet Equifax and XXXX  still manage to say that it belongs to me?
Product: Debt collection

I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " NATIONAL CREDIT ADJUSTERS '' and an amount due which has already been paid long time ago. I had been harassed with callss. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from NCA started
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. XXXX ). 

The Consumer Financial Protection Bureau ( " Bureau '' ) brings this action against XXXX XXXX XXXX XXXX XXXX ( " XXXX '' or " the Company '' ) under the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( " CFPA '' ), 12 U S C
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX SELF-REPORTED XXXX XXXX {$690.00} XXXX  XXXX XXXX {$250.00} XXXX  XXXX {$130.00} XXXX XXXX {$60.00} XXXX XXXX {$73.00} XXXX  XXXX {$89.00} XXXX XXXX {$88.00} XXXX  XXXX {$120.00} XXXX XXXX {$240.00} XXXX   XXXX XXXX XXXX {$160.00} COLLECTIONS XXXX {$49.00} XXXX XXXX XXXX {$680.00} XXXX  XXXX {$360.00} XXXX XXXX  XXXX {$790.00}
Product: Credit reporting or other personal consumer reports

I didn't give permission for my private information to be reported by DEPT OF EDXXXX- account number - XXXX XX/XX/.
Product: Mortgage

Hi my name is XXXX XXXX I been have trouble with Wells Fargo home mortgage every year I send them a copy of my receipt and then they said old it went to someone else 's account it will be fix so now they send my money back foe the month ofXXXX of XXXX so I just been put the mney on the side and I apply for a modification and I send the mortgage a copy of everything they ask me for a copy of my award letter from my XXXX XXXX and a copy of a award letter for my sister she stay with I and so they call on XX/XX/XXXX and told my sister that they could not get an copy of my XXXX XXXX from thr IRS and I told them I do not file tax my sister do n't file taxs allso the man name XXXX XXXX XXXX IS IT ALL RIGHT THAT U GAVE ME A VERB STATEMENT THAT U OR YOUR SISTER DONT FILE TAXS SO THAT was find XXXX XXXX call on XX/XX/XXXX and Said the modification was not approved and I ask why XXXX said something was wrong with the document and I ask what and he told I he could not said so I call the XXXX XXXX and ask them can they send the mortgage company the verification letter of how much I received and they told me they can only send it to me so I send it to them again and my sister is Waite for her verification letter from her social security I received {$1200.00} and my sister received {$1500.00} a month and after they take of she received $ XXXXand my month mortgage payment is only XXXX and I no THAT more then enough I did some reach search on wellsfargo and they are very prejudice they gave XXXX XXXX a hard time and they like to take XXXX XXXX HOME I all so ask can I pay the regular note and a half note and XXXX XXXX said they can not do that and went u look on the web about what kind of hardship they have they one of them so can u all PLEASE HELP ME TO SAVE MY HOME MY BALANCE IS ONLY {$41000.00} thank u very much XXXX XXXX every thing they ask me for I gave it to them
Product: Student loan

I WAS enrolled in the REPAYE program, which requires renewal of income and family size information every 12 months. My income and family size changed in XX/XX/XXXX, and I submitted a renewal form in or about XX/XX/XXXX or XX/XX/XXXX requesting a recalculation of my payments under the REPAYE program. By letter dated XX/XX/XXXX, Fedloan Servicing denied my request stating that it was not time for me to recalculate my payment. In XX/XX/XXXX, a notice was posted to my account requesting a renewal form. As stated above, the renewal form had already been submitted to Fedloan Servicing, and none of the information that I reported to Fedloan Servicing changed over the 5 month period. In XX/XX/XXXX, I received a notice that I have been removed from the REPAYE program, that interest is being capitalized, and that as of XX/XX/XXXX I will be required to make payments under the standard payment plan because I did not submit the renewal form. This causes my payments to significantly increase from {$250.00} a month to over {$2000.00}. My renewal form was submitted at the time that the change in income and family size occurred. This information has not changed. Fedloan Servicing has the information that they require for renewal, but they intentionally denied my request and disregarded the information that has been provided to them with the purpose of capitalizing the interest. I have dealt with Fedloan Servicing before regarding this same renewal issue, and going through their internal complaint process gets the borrower absolutely no where. They are not being held accountable for deceptive lending practices. I submitted my updated income and family size information to this company, to be proactive and to keep them abreast of my the changes that have occured, I am penalized for it. This is unfair practices, and they continue to find ways to capitalize on interests and prevent borrowers from paying off their debt.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant XXXX even XXXX my ability to XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XX/XX/XXXX showing 2 accts XXXX  XXXX was originator - Complaints also filed with the XXXX  and Texas Atty General - XXXX States that XXXX in a letter /reply that this could be a HARDSHIP? 
Where they got this I will never now - I am worth CASH XXXX XXXX at XXXX XXXX XXXX has NOT responded to my ceritified mail XXXX was notified by writing and by phone - I demanded any and all documents - NOTHING via internet /mail or verbal XXXX XXXX XXXX - reporting 2 medical charge offs - I demanded written proof - I supplied them with documentation from XXXX XXXX XXXX XXXX - XXXX states there was NO DENIED CLAIMS all PAID IN FULL* I paid all deductibles at time of service or obviously they would not perform medical services * Conns Is reporting 2 accts paid and 3 accounts NOT paid in XXXX - I have NO accounts that are not paid from XXXX- XXXX States they do not report anything over 4 year old yet they are on all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : 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 or other personal consumer reports

Upon checking my credit report, I have discovered fraudulent account on my credit report, these fraudulent accounts are XXXX XXXX XXXX with account number XXXX, XXXX XXXX XXXX and XXXX with account number XXXX, please remove these fraudulent accounts, as they are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Relations XXXX XXXX XXXX  XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Dear TransUnion Consumer Relations, I hope this letter finds you well. I am writing to address a matter of utmost importance that requires immediate attention. I recently obtained a copy of my credit report from TransUnion and discovered several hard inquiries that are not associated with any accounts I have opened or authorized. I am deeply concerned about the potential financial harm these inquiries may cause me, and I kindly request that you remove them from my credit report.

As you are aware, my credit report plays a crucial role in determining my financial well-being and my ability to secure credit. It is essential that the information contained within it is accurate, up-to-date, and reflects my true creditworthiness. However, the presence of these unauthorized hard inquiries has a direct negative impact on my credit score, making it more difficult for me to obtain credit on favorable terms and potentially resulting in financial harm. 

I have thoroughly reviewed the terms and agreements provided by TransUnion, and nowhere do they indicate that you have the right to include unauthorized hard inquiries on my credit report. Therefore, I kindly request that you adhere to your own terms and agreements and remove these inquiries immediately. 

I understand that errors can occur, and I trust that TransUnion values the accuracy and integrity of its credit reporting services. Therefore, I kindly request a thorough investigation into this matter to determine the source and legitimacy of these unauthorized hard inquiries. I would appreciate being kept informed of the progress made in resolving this issue. 

Please provide me with written confirmation once the unauthorized hard inquiries have been removed from my credit report. Additionally, I request that you provide me with a free copy of my updated credit report after the removal has taken place, in order to verify that the corrections have been made accurately. 

I would like to take this opportunity to express my gratitude for your prompt attention to this matter. I firmly believe in TransUnion 's commitment to fairness and accuracy in credit reporting. I trust that you will investigate this issue diligently and rectify the situation accordingly. 

Thank you for your time and cooperation. I look forward to a swift resolution of this matter. 

Yours sincerely, [ XXXX XXXX XXXX