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

XXXX XXXX  fraud with scienter. When trying to open accounts denial of opening accounts due to XXXX XXXX debt collectors
Product: Credit card or prepaid card

On XX/XX/2019 The state of Pennsylvania deposited my state refund in the amount of XXXX..I had not touch this money..On XX/XX/2019. I was on my way to get blood work and I started to receive text alerts telling me someone was withdrawing money from my account in a different state.I instantly checked my purse and I had my debit card on me so I called Netspend and notified them.The lady I talked to lock the account and Informed me they stole {$910.00} she advised me to go get a new card so she can transfer the remaining XXXX to the new card which I did and because I had a XXXX block on the account she could not do it so she advised me to go to the ATM machine And with drawl the money which it would not let me do either because the account was locked and it was over the daily limit so she hung up on me.I called back and spoke to another lady who unlock the account and let me retrieve my money she also ordered me a new card and charged me {$25.00} and while she was on the phone she disputed all five transactions. I asked for the address where this was happening at and it was five hours away so I googled the address and it came back to a XXXX store which I called and the gentleman was very nice and said he would review the cameras and call me back .The gentleman called me back about 30 minutes later and said he reviewed the tapes within that hour and no one use that ATM in that store as I was still on the phone with Netspend I advise them what he said and they had no explanation how someone could withdraw my money without my card .. at first they told me the investigation would take 10 days and to submit documents online which I did now theyre telling me 45 days all I want is my money back So I can close this account and take my business elsewhere..I feel defeated because this company does not offer no help and I do not know where to turn..I have contacted the XXXX XXXX XXXX As well as the federal trade commission
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card through XXXX XXXX XXXX   and I was denied from SageStream LLC saying my credit score was 300 points lower than the actual score. They said they have their own system and its always 200-400 off. This is a scam for them to get my personal information and I'm extremely upset! I do not have a low credit score and they should be shut down for falsifying my information. This is wrong!!!
Product: Credit card or prepaid card

I originally filed a complaint under  XXXX . The company responded and closed my complaint. I have an issue with their response. In it they advised they reached out to me and informed me of who to contact to try to handle this issue. That is further from the truth. I  received one sing le call from  XXXX   XXXX  who advised me that they received my complaint and I should receive a decision via mail and if I had further questions to contact him at  XXXX  extension  XXXX . I asked  XXXX   XXXX  if they will be able to lower my payments, g o twelve months with no interest, or even a possible settlement, but he advised me he did not know and that I would have to wait for the department who handles these issues to reach out to me. The only reas on he called was to save face that he contacted me, yet offered NO resolution. He provided false information to the CFPB in their correspondence under my last case number since he did not provide me collections, or any information during that phone call. All my information came days later when the CFPB showed their response and attached letter from the company. That phone call was only to let me know they received my complaint and that was it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.
Product: Checking or savings account

our business account held by wise Bank last few years suddenly unable to login and try to follow up the link they sent me but it shows error message. I believe there was no mistake from my side it is horrible need your support to fix. We are in the process to get was a loan and it approved by other financial institution. If account is closed the loan will be terminated.
Product: Credit reporting or other personal consumer reports

there are some inquiries that I do not recognize. I do not have a chase account or a chase credit card It says XX/XX/year> with a balance of {$XXXX}.
Product: Credit reporting or other personal consumer reports

To my surprise, I found incorrect accounts listed on my credit report this morning with no explanation for how they got there. I double-checked my report as I always do, but these discrepancies appeared out of nowhere. Refreshing my browser didnt help ; the inaccuracies stayed put. Im asking for a careful examination of the documents I sent so that I can put this issue to rest.
Product: Credit card

My XXXX XXXXXXXX was closed ( XXXX ) XX/XX/year> with capital one being paid 1 % of the past due balance. The debt has been put back on my capital one account ( I have a checking and savings account with them ). I have explained that they have been paid and the debt was XXXX via satisfied bankruptcy ( case # was provided ) & they still won't remove the debt from my account and are attempting to collect the debt via their website. 

One can not collect on a debt that has been XXXX thru bankruptcy. It is not my fault that their legal team doesn't understand terminology or how bankruptcy works.
Product: Checking or savings account

Identity Theft Victims Complaint and Affidavit PAGE ( 3 ) Item XXXX XX/XX/2020 XXXX XXXX XXXX received an Email from which appeared to be from XXXX to confirm an Order purchased. NO order was ever issued. Called the phone number as shown on the Email. Man states ok you have NO XXXX account ; does any other family member have an account? Think my wife XXXX XXXX XXXX does. XXXX talked over 1.5 hours to this man with her computer ON. Computer was Hacked. Man asked her if she had a checking account, YES. Could you log on to see IF any orders were filed and collected. She did so ; USAA Federal Savings Bank account was Hacked as he could see accounts and account numbers as she had OPEN. XXXX became very uncomfortable and nervous. XXXX ended the call and shutdown her computer OFF. Hacker then placed ( 2 ) Wire-Transfers to be sent ( 1 ) {$9800.00}, ( 2 ) {$9800.00}. Our USAA Bank Savings Account ending in ( XXXX ) was hacked. The account has been closed and terminated with balance transferred to another account. USAA states Mrs.XXXX was sent an Email ref. the transfers to be sent. XXXX XXXX NEVER received this Email at her XXXX  account or her online USAA Bank account. XXXX XXXX XXXX made phone calls to the USAA Bank from XXXXXXXX XXXX  to XXXX to STOP the transfers. XXXX did receive and Email from USAA at XXXX to confirm the Wire-Trans were in fact sent. The USAA Committee completed an investigation. As stated NO FUNDS will be issued or returned Mrs. XXXX was to fault. XXXX XXXX asked WHY and WHO authorized this Wire of funds to be sent? USAA stated the bank NEVER heard from Mrs. XXXX. USAA If the requester ( Mrs. XXXX ) does NOT call or notify us per-Email from us, the funds ARE sent. AGAIN, That Email was NEVER received to date. NO Authorization or Approval was EVER given to USAA for this transaction to be done. ( NOTE ) Mr. XXXX has a membership at USAA for ( 51 ) years.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous certified letters and FTC Identity theft reports, Transunion still fails to correct my credit report. This is may last attempt to reach out and request to have the following accounts blocked from my credit report or I do will not have a choice but to file a suit against Transunion. 

Account Name : XXXX Account Number : XXXX Reason : Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an item on my report and on XX/XX/XXXX the investigation reported that the item was mine. On XX/XX/20 I spoke with a supervisor after sending in certified mailed proof that the item was not mine and asking her how is it that the investigation was done in 2 days, over a weekend without looking at my proof. The supervisor stated that she did not see where an investigation was done AND someone on their end ( an Equifax. Rep ) changed my address with out my written approval. She said that all she could do was submit a reinvestigation. This violates my FRCA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment?

there is no full account number, how is this listed with no account number?

whe was last activity of the acount?

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit Equifax XXXX XXXX Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Assistance Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$360.00} {$360.00} {$360.00} Current Balance {$360.00} {$360.00} {$360.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department
Product: Credit reporting or other personal consumer reports

This creditor ( Columbus Bank and Trust ) as made an inaccurate report to the 3 bureaus, upon contacting said creditor they have refused to make to proper adjustments. In accordance with the fair Credit Reporting Act this creditor violated by privacy rights. 15 USC 1681 section 602 states I have the right to privacy, by disclosing my information they have violated my rights. 15 USC 1666B States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681 section 604A section 2 States that a consumer reporting agency can not furnish a account without my written consent. I never instructed them or gave authorization to furnish my account information.
Product: Credit reporting or other personal consumer reports

I applied for a credit builder account so I can build my credit fast the loan was for XXXX would be a few years to pay off but I paid it off within the first week so I can build my credit fast so I can get low apr rates on a new car I wan na buy, after paying off the loan I was supposed to have my money back in my account by 10-14 days and its been 45 days and I cant speak to a person I keep getting emails saying they are looking into it, they asked me to upload my driver license and bank statement which I also did 45 days ago and nothing changed i basically gave this company XXXX of my hard earned money and they wont even call or email or returned a dollar of my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$640.00} XXXX/XXXX  XXXX {$590.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$300.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Student loan

I have been paying off my loans since XXXX on a income based plan managed by Navient. Almost none of what I've paid was applied to the principal. I know there is a settlement about this and I need to know if I am eligible as a recipient
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX Balanced {$9800.00} XXXX XXXX  XXXX XXXX Balanced {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF INQURIES BELOW VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681. 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC1681. 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH MY WRITTEN CONSENT. 

XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

TD auto finance is showing my car payment late 30 days late multiple times when there was errors with there end and I have paid in the branch which they allow My monthly payment it XXXX and in the month of XXXX XXXX XXXX of 2023 they reported me each month 30 days late.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) 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 request delete the not authorized hard inquiries below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

In XX/XX/XXXX I ran a credit report for myself and noticed a collection from Midwest Recovery System ; collecting {$650.00} for XXXX XXXX XXXX. I took a payday loan from XXXX XXXX XXXX in XX/XX/XXXX, and paid in full on XX/XX/XXXX. I have had this account pop on and off of my credit report for the past few years ; and in trying to contact Midwest Recovery System I have received XXXX  replies from email correspondence and been hung up on when contacting via phone.
Product: Credit card or prepaid card

I made a purchase from XXXX XXXX XXXX XXXX in XXXX using a store credit card. In addition to the store credit through the card, I made an {$800.00} cash down payment. I later returned the item, and XXXX refunded my down payment. I assumed that my account balance was XXXX, because they sent me a refund. 

I continued to receive mail from XXXX which I ignored, because they send lots of marketing materials and because I had returned the item and received a refund. I received a letter that looked differently recently, so I opened it. Apparently XXXX had charged me for the following items which were through a third party : " Credit Life Premium '' for {$1.00} - Account Assure " Credit Disability Premium '' for {$2.00} - Account Assure " Credit Unemployment Premium '' for {$2.00} - Account Assure I was unaware f who the third party is, what these premiums were, and why they were charged. I had no knowledge of their existence until I received late penalties. 

I called to try to resolve the issue, pay the balance, and close the card. The number I called from the bill was XXXX. A XXXX robot told me to enter my social. I did. They then transferred me to XXXX XXXX ( the supplier of the XXXX card, apparently ). The people at XXXX accepted my payment but told me they could not ( 1 ) tell me where the charges came from, or ( 2 ) close the account. I was informed that this would need to be done by the customer service department. They " transferred '' me, but I was disconnected. 

I did the same thing again ( called the XXXX number, entered my social, waited for rep, explained i wanted to close account ). She again told me she would transfer me to customer service. I asked for a phone number this time and was told XXXX. The call again was dropped. I called the new number, was greeted by another XXXX robot, entered my social again, and was connected to another rep who could n't close my account - but offered to transfer me to customer service. 

I demanded to speak to a manager, who eventually transferred me to a manager 's direct line at customer service. This person was able to cancel my card. They were also able to tell me the account history, which is how I first discovered the three " Premiums '' totaling {$5.00} that remained on my account even after I received a refund on my debit card. These charges, which I had no knowledge of, were also a mystery to the supervisor. He did not know what they meant, but was magically able to assured me I had authorized them. 

My complaints are : ( 1 ) opaque, mysterious, unauthorized billing for the three " Premiums '' ( 2 )  misleading " refund '' - which led me to assume I did n't owe them money ( 3 ) unreasonable late charges ( {$9.00} on a {$5.00} balance ) ( 4 ) Phone system deliberately designed to make it exceedingly and unreasonably difficult to cancel a card.
Product: Student loan

I received an email from XXXX XXXX on XX/XX/XXXX saying that " delinquency exists on the student loans you endorsed ''. 

I received the email the morning of XX/XX/XXXX and immediately called XXXX XXXX to inquire what this could be about, as all of my student loans are on autopay. XXXX XXXX services my two private student loans for American Education Services ( AES ) and XXXX. My loans under XXXX and AES are both on autopay each month for {$690.00} ( total ). 

I then called AES to see if they had any information on my " delinquency ''. Essentially, AES is billing my co-signer each month IN ADDITION TO THE PAYMENTS I 'M ALREADY PAYING, without my knowledge. When I called, I found out that my co-signer is paying my " outstanding balance '' of {$6.00} each month, which I should NOT have in the first place. 

Neither AES nor XXXX XXXX has their information straight and can not give me a clear answer. When I asked XXXX XXXX why they sent me a delinquency notice, they replied that they " do n't know ''.
Product: Debt collection

According to 15 U.S.C. 1692c, if a consumer notifies a debt collector in writing that they wish to cease further communication regarding a debt, the debt collector must stop contacting them, except to inform them that collection efforts are being terminated ; essentially, a consumer can legally request a debt collector to stop contacting them by sending a written notice.
Product: Mortgage

My family I lived in the XXXX XXXX area all of our lives and I personally want to spend my retirement years in our XXXX home. I have seen good times and bad due to the economy and had been struggling in recent years due to a short-term job loss. Like you, I have provided XXXX. Unfortunately, I may be forced out of my home by my mortgage note holder, Citizens Bank since they have not been willing to work with me to retain my home. The only communication I have had with them is how much I owe on my mortgage and how to pay them. They have no interest in helping me and it appears as though they just want to take my home away via foreclosure. I have tried to obtain an affordable loan payment, but my requests for assistance have been ignored. 
I have a government insured loan and I am being denied access to options that are supposed to be made available. Further, I am certain that Citizens Bank would see clear to help me if I could engage someone above the line staff level to resolve my mortgage issues. I would like to see if you could help me speak with someone who can understand my problem and get the ball rolling on resolving my mortgage. 
In XX/XX/XXXX, Citizens Bank added {$310.00} per month to my regular payment. The payment climbed from {$450.00} to {$760.00}, no warning, and no type of correspondence providing this change in payment will take place. 
When I first applied for the purchase of my new home. I jumped through hoops trying to get qualified. They ran my credit, verify my household income, requested my paystubs and income tax return for the last two years. My application was fully documented. The underwriter reviewed my present financial situation and qualified me for a certain loan amount based on my yearly earnings, expenditures, to XXXX that fit my budget. 

XXXX XXXX if I went through all the red tape to qualify keeping me at an affordable mortgage payment and purchase price range. Why would they make a decision to increase my mortgage payment, if I knew this was going to happen? I would have never applied, and avoided the predicament me and my family is in. At the time my job cut my hour 's temporality. 



XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXXXXXXThis is what caused my mortgage delinquency. I showed good faith and tried to get back on track with my mortgage payments. By providing partial payments, for {$1300.00} from the {$4000.00} that I owe, back in XX/XX/XXXX. They demanded the lump sum paid in full, and Citizen bank refused any more partial payments, thus I could n't afford this caused me to fall further and further behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and Equifax are refusing to update my credit data which would reduce my DTI to 29 % and increase my Score to XXXX. 

I know this for certain, because XXXX has my data updated and my DTI is 29 % and my score is XXXX. 

Finally CFPB should take a close look at the fact that XXXX  sells subPrime credit cards to people with low scores and has incentive to misreport DTI and resulting scores to keep consumers in the subprime market.