23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

This company, unsolicited, sent a cashable check to my residence wherein cashing said check was accepting a loan offer. The loan in question has a 99.83 % APR with finance charges themselves adding up to almost 50 % of the originally funded " loan ''. This is Insanely predatory and Dangerous. What if someone else got my mail or it went to the wrong house and someone cashed this? I wouldn't have ever even known until I was hit with the fees and payment schedule. Absolutely unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/year>, our XXXX Chase Bank XXXX accounts were wiped out. Whoever it was had set up XXXX business accounts with my wife 's name, XXXX in XXXX of XXXX, and the other on XX/XX/XXXX. We never received any notifications of the creation of these accounts. Then, on the XXXX, they linked our XXXX XXXX  accounts with their fraudulent business ones. They funneled everything out of XXXX of our XXXX accounts into our third one, and within minutes initiated XXXX wire transfers totaling appx. $ XXXX from our account to XXXX banks in CA. While on the phone with Chase trying to get them to stop the fraudulent wire transfers as they were happening on XX/XX/XXXX, ( we were watching our account online being actively drained ), they refused to stop them. Upon asking why the transfers were allowed to continue and not frozen, they simply said we need to file a claim. When asked what the company policy was regarding real-time crime, they said it's to file a claim. I dont know what personal info was obtained by the thief, but Chase confirmed identity theft. No logins, passwords, etc. were ever lost or shared, and no cards or information went missing on our end. Someone had bypassed our security methods, and Chase 's. Chase has since decided not to reimburse us for anything and claims that it wasn't fraud. Chase said that a text code was sent to a phone number, and that's why they claim it wasn't fraud, but they won't share any relevant information ( including a copy of our claim ) because they say it's closed. When I called on XXXX and asked what phone number the supposed text code was sent to, they said they didn't have access to that information. Investigations by the bank only looked into that passcode and asking the other bank for a refund. No other confirmation of further investigation was given to us, and even that was by word of mouth only, no written or digital evidence was given to us. Everything was decided based on those two supposed evidences. When we asked for more information on the fraudulent business accounts that were open with our information, they said they can't provide that because they're not our accounts ( however the reason they denied our claim was supposedly because it was all authorized ). When we asked to close the business accounts, they said we can't do that because they're not our accounts. We requested information on who opened the fraudulent accounts, and we were told they couldn't do that, for the same reason. We requested information and copies of any/all documentation showing that Chase did what they said in immediately requesting the funds from the other bank, in their investigations, etc. and we were told that it was all internal communication, and they didn't have any copies of anything to give us. When asked if they'd provide copies of the emails and internal communication, they refused, saying they can't do that either. We even requested a copy of our claim that was filed, and they said they couldn't do that, because the case is closed. We've filed police reports and conveyed the crime to relevant fraud/government agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  -  XXXX  Hard Inquiry from  XXXX   XXXX ,    2015  through Equifax Never Gave my consent for a hard inquiry and do n't even have an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX XXXX to correct a payment error for years by contacting the credit bureaus to dispute the incorrect information. Finally I got an attorney to call open sky and I got a letter from them, but it still isn't corrected. They need to fix my credit report immediately. I have never had any late payments on any of my accounts and for years I have suffered this error by paying higher rates and being denied credit that I should have qualified for. Please see that they fix this mistake quickly. Thank you.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Beginning XXXX XXXX, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and 3 ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier XXXX XXXX XXXX XXXX and they have confirmed that it was not there on their report.
Product: Debt collection

Over a year ago I paid a settlement amount to this company. They were supposed to send me notification that the account had been settled after making a large payment on this account. The payment was made but the company failed to make any changes to my credit report.
Product: Checking or savings account

I have numerous dates from the time I opened my account until this month werwni had overdraft issues with navy federal. I was XXXX all part of XXXX  and majority of XXXX  year. I had so many over draft issues bc of cents missing in my account and that pead to XXXX and up in overdraft fees. This put me in debt and caused severe anxiety and stress in my life. I am still dealing with issues from this.
Product: Mortgage

As result of COVID-19 I went into a Forbearance Plan. I am now in a position to start paying my mortgage. I have reached out to US Bank and I advised that I am ready to go back on payment schedule. I have been told on multiple occasions and it had been fully documented that my monthly payment was to be be {$3300.00} however they keep sending my paperwork advising me that the payment should be {$3400.00} which is incorrect. They keep telling me it is because of an escrow shortage however I paid the escrow shortage in XXXX of 2020 yet the continue to send me the incorrect documentation.US Bank has not acted in good faith they have given me the run around and they continue to do so. When I spoke to XXXX XXXX at US Bank he had advised me that they received my escrow check they cashed
Product: Student loan

My wife and I took out XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. We were under the same belief that many have that these loans would fund the education that would lead to the higher paying jobs, thus enabling us to repay the loans and have the life we had worked hard to create. After graduation we were told our repayment plans would be more than the income we were making and opted for a hardship forbearance. Once this expired we were still within the same financial structure and unable to pay the requested amount. Navient was formed and our loans were transferred to them for servicing. They were even more difficult to deal with! My wife had her parents cosign on XXXX of her XXXX loans and, as a result, Navient refused to offer income based assistance due to the income her parents bring home. We explained to Navient that these are out loans and we are happy to repay them but we need to be within a reasonable payment. They are requesting over XXXX % of our gross monthly income in the form of payments and are unwilling to budge. We were told that these are private loans and are not eligible for any assistance outside of what they feel we should have. This is extremely frustrating because we are already paying them {$370.00} for my wife 's loans and mine are in an educational forbearance. Once these come out, they want an additional {$1000.00} per month. That does n't include the XXXX loans they are unwilling to include in the consolidation for my wife due to the consigned. They want an additional {$800.00} for those XXXX loans- more than the combined total for all the other loans! When all is said and done, they want {$2200.00} per month from us. Our monthly income is only $ XXXX. That means over half of it would go to them. That does n't include the Federal loans we pay. Navient has been completely unwilling to work with us despite multiple attempts. The worst part is we have been paying on them for nearly 6 years and the total amount due today is actually more than when we took the loans out due to the 'interest only ' repayment plans and the fact that interest continued to accrue during forbearance. It is almost criminal that these companies are able to lock students in to these loans with no chance of assistance!
Product: Credit reporting or other personal consumer reports

This company appears on my credit report and its affecting me from being able to rent apartments or homes. I dont recognize them to begin with. So, I need them removed immediately.
Product: Debt collection

I received a notice detailing someones debt that I do not know from the Law Firm of Weltman, Weinberg , & Aries Co., LPA titling me as a fiduciary. It allows me a few options to respond that include me disputing the debt, me asking for the original creditor information, or paying the debt. 

Included on the statement is the amount owed, the name on the account and the last 4 of the account number. 

Shame on you.
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 on my account. The account is hurting my ability to obtain credit. Is my understanding that Credit Agencies will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX  under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure 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 the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture 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
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXXXXXX 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
Product: Debt collection

Harassing me over medical debt, frequent phone calls, trying to collect wrong amount, reopening accounts after that have been disputed, causing extreme stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

My card and phone had got stolen and the bill was only supposed to be XXXX $ and instead they are trying to charge me for transactions I did not even make. I have explained it to them already. Please refer to 15 USC 1681a ( 2 ) ( a ) ( i ) if you need any more information on this topic.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was inappropriately ran by XXXX Bank for XXXX XXXX XXXX on XX/XX/2023. I reached out to company to have this removed from my credit report as my credit was ran as a result of identity theft and I did not authorize the loan. However, this is still showing up on my credit report as a hard inquiry. I would like this removed as soon as possible.
Product: Credit card or prepaid card

On XX/XX/XXXX, LL Bean Mastercard alerted me to possible fraud on my account ( XXXX am ) via email. At XXXX I contacted LL Bean Mastercard at XXXX. I spoke with operator XXXX at length, the operator reviewed each of my transactions for the month of XXXX. She closed the card and supposedly reissued a card ( not yet received ). All " normal '', I made a request to have an email relating the charges being removed from my account and tha I was not liable for those charges. She confirmed that would be done and I would receive said email in XXXX business days ( because I specifically requested the email ). On XX/XX/XXXX, I had to call customer serice-transferred to XXXX to be told that " we do not provide email confirmations, only mailed confirmations ''. Additionally, today XX/XX/XXXX I contacted the Securities Department operator XXXX stated there was NO REPORTED fraud showing on the account, again I reviewed the fraudulent charges and XXXX XXXX stated XXXX would tag them as fraud but the credit would not appear until the following month ( meaning I would be responsible for the interest on {$1500.00} in fraudulent charges ). And her supervisor XXXX XXXX ( operator KHN ) refused to provide the email as requested for me, and again stated that the XXXX department had no prior XXXX reported on the account until XXXX submitted today on XX/XX/2022. So today I have no confirmation ( CitiBank refuses ) to provide an email stating that I am not liable for these charges or for the incurring interest. XXXX the supposed " XXXX '' in XXXX refuses as well to provide a confirmation that these fraudulent charges ( the ones the XXXX up on XXXX ) are not my liability. Additionally, these charges won't be removed until the next billing cycle making me liable for the interest at 14 % for {$1500.00}. I am not being unreasonable, past experience with CITIBank indicates that this tactic is very normal and consistent with their operating mode.
Product: Checking or savings account

This complaint involves an estate " hold '' on an account. In brief, and without notification, the checking account was put " on hold '' and without any notification. The account has still been open to pay for expenses post mortem. 
The first call to BofA was XX/XX/2022 about the " Hold ''. I was given poor instructions then as to my required actions. A second call was placed XX/XX/2022 to be given better details. I was told I needed to go to Probate Court. I explained that I am the Executor and had been handling my parent 's affairs, and indeed in the Private Banking BofA, most of the required information had already been submitted. 
XX/XX/2022 finally reached a person who helped me set up a Third Party Case manager website and actually given a case number. I went to the website while talking to XXXX and we filled out all the required paperwork. The website has a final signature page that is required in the " Letter if Instruction. '' ( This part of the website is STILL not working as of today ) I was given a message that says " Unable to complete your request. '' Thinking the site might be overloaded, I tried repeatedly that day, the following day and then the next week. Always getting the same message. 
I again called XX/XX/2022 and was told that the site is not working. I was instructed to print out this page and submit it in the area of the case management site. I did so. A week later, I tried again and the paperwork I filed was not found. I was then told to FAX this set of information. ( Previous attachments submitted on this online site for the Death Certificate and other required paperwork were found to be in place. ) XX/XX/2022 I spoke again to a Third Party Manager. She told me all paperwork was complete. That is would be 8 business days to review and then a transfer of funds would occur in 2 additional days. 
Yesterday, XX/XX/2022 I received a letter with a set of instructions that was redundant in regards to all the paperwork I had submitted. It again required me to get notarizations etc. etc. I spoke with a representative today. The site is still not able to accept a signature page for a letter of instruction. The representative told me that the file shows that I have still not submitted the letter of instruction. I have now been instructed to go to a BofA bank. I was not able to get an appointment until next week at any of the local sites. I will be driving a half hour today to submit this paperwork again. I have been told that today 's BofA rep will be following and " escalating '' the process. 
This has been an entirely frustrating and disappointing experience. ESPECIALLY since they handled my parent 's private banking and other services for decades.
Product: Mortgage

On XX/XX/2018 I sent a written request to Fifth Third Bank to remove MI insurance from my mortgage account. Shortly afterwards an appraisal was completed. Stating that the loan to value wasn't 75 % or less, ( actual based on appraisal is 77.3 % ) Fifth Third declined the request. I sent a rebuttal to their decision sighting XXXX XXXX rules stating that tenure or the seasoning requirement ( 2/5 year ) is waived in the event the home value increase is substantially due to upgrades or improvements to the real property. The appraisal sufficiently bears this out. The loan has been in effect for 2.5 years, there is no junior lien and payments are current. Fifth Thirds response was a voice mail suggesting that if I wish to remove MI insurance I need to send a request in writing.
Product: Checking or savings account

I would like to do around up service with XXXX but I am not being allowed to.
Product: Payday loan, title loan, or personal loan

Good afternoon, I am writing to you because I have problems with this personal loan. I lost my job and due to the high interest rates of this loan, which are 96.97 % per year, it has been impossible for me to pay it. I have called repeatedly to ask a payment agreement and have been denied any possibility of payment relief. They have threatened me with putting the loan in collection and that would hurt me a lot. I think the interest they charge is too high and outlawed. This bank has violated usury law, where by law in Florida lenders can only charge Max 18 % annually. and if so, they would be subject to sanctions that include the loss of interest, both those already paid and those that remain to be paid I request a review of this loan, as well as the removal of this loan from my credit, at the XXXX bureau, which is where I report. attached copy of the contract where it indicates the usury interest rate 96.97 % APR. 

I am writing this letter based on your debt collection regulations, which clarify certain provisions contained in the Fair Debt Collection Practices Act ( FDCPA ) that went into effect on XX/XX/2021 I hope you can help me, I am a single mother and I have a family burden and many responsibilities and this loan has damaged my credit and my peace of mind
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.