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

Hi XX/XX/23 I called us bank because I'm tried of them holding my money I Feel that like there are stolening my money. Honestly ever XXXX counts for me. And when I deposited money for the bank why should I have to wait for them to approve it or the mecherent. I get confused I don't know how to read my statement. In current thing so I was wondering if you guys can make sure I'm not getting robbed. Thank you
Product: Credit card

I called my credit card company and asked why I have paid over XXXX a month and only XXXX go toward my balance. The women responded that I 'm being charged interest even though the account is closed. I asked her how can they do that she said she do n't know. I just wanted to know if they can do this?? I have been paying back the money i owe for over a year now and my balance was XXXX when I started paying back.. it is now XXXX. Please help me because if they are not suppose to be adding interest I would like to know. I have every intentions of paying back the money I owe but do n't want to be cheated while doing it.
Product: Credit card or prepaid card

I have been in contact with XXXX XXXX regarding fraudulent purchases made on my account on new cards issued that were never activated by me and never once left my house. The fraud department was able to take care of a few, but not all of the charges. I have called MANY times ( 11 times as of today ) and sent a letter certified mail outlining the fraud, dates and store locations.

I was relieved when it appeared a couple weeks ago that they removed these charges, but when I logged on today, they had been added back. I called the fraud department again today, the 11th time, and was told they called me and that I hung up on them, which is a flat out lie. I would NOT do that as I want this resolved and there is no record on my caller ID of them calling on XX/XX/22 as they said they did. 
I cancelled all the cards. I would like this resolved since it is an almost {$2000.00} ding to my credit report. Here are the fraudulent transaction details : XX/XX/22 XXXX  XXXX XXXX XXXX {$400.00} XX/XX/22 XXXX  XXXX XXXX XXXX {$500.00} XX/XX/22 XXXX  XXXX XXXX XXXX {$510.00} XX/XX/22 XXXX XXXX XXXX XXXX {$500.00} I would like XXXX  XXXX to remove these charges imediately and permanently from my account. I never made them and if they did some investigations, they would easily tell that they weren't my charges as I mostly buy from them online and NEVER for purchases that cost this much. It is CLEARLY fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XX/XX/XXXXXXXX XXXX # XXXX, XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX # XXXX. has violated my rights. 15 U.S.C 1681 602A states I have the right to privacy.

15 U.S.C 1681 section 602A. Its also states a consumer reporting agency can not furnish an account without my written consent.
Product: Debt collection

We Defaulted on our car lease payment in 2018 because the XXXX dealership we leased the vehicle from went out of business. so we called that particular location for a few months but couldn't get a whole of anyone. we were finally able to reach a customer service representative at another location that told us to turn the vehicle in since it was been repossess for the delay in payment which we did. the lease was in both my name and my wife 's. This particular account started reporting on both our credit reports as derogatory. but this account from the get go has always reported inaccurately on my reports XXXX  XXXX  and XXXX  had wrong information on their separate platforms about this account and every time i disputed the errors and demanded that the account been removed from my credit report for been inaccurate the particular error will be fixed but the account will remain. Even though this account was written off as bad debt for the full amount of the vehicul in question after we had made more than half of the aforementioned amount before turning the car in we had a certain Convergent Outsourcing, Inc contact us in an effort to collect the debt. And at this same time this XXXX-XXXX  XXXX went ahead and reported fraudulently on our credit report new payment that we never made and my guest is that they did this to move the status of limitations on this account ahead to the can fraudulently still take our money. Please help us fight this fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EXPERIAN ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

hi i been homeless for the last 6 years because of this derogatory mark on my credit report since XX/XX/XXXX its been 5 years and 8 months and i have 13 months left til this account makes 7 years and fall off my credit report. due to covid 19 and winter coming i called professional debt mediatio on XX/XX/XXXX and ask for removing of this account due to covid 19/ my homeless condition because of this derogatory mark/ plus this is and old account. I explained my financial situation to the collection agent due to covid 19 that im unemployed and can they accept my offer to have this deleted from my credit report so i can rent a apartment to live in before winter due to covid 19.I was rudely told i will remain homeless 13 more months and they wont accept my offer.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. I have the right to privacy. 15 USC 1681 section 604 A section 2 it states a consumer reporting agency account can not furnish an account without written instructions. No consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more then seven years. ( XXXX XXXX ) And ( XXXXXXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to Equifax, XXXX, and XXXX. I wanted to dispute the account reporting on my report on the grounds that they do not have the an original copy of the agreement with my signature on it. They sent letters back saying that they did an investigation but never provided original documentation of the agreement. I asked for names of the individuals who were doing the investigation. I have never received and names. I took the time to write and send letters that were notarized with a copy of my identification and SSN. I sent the first letter on XX/XX/2022 the second letter on XX/XX/2022 the third XX/XX/2022 the last letter XX/XX/2022. it cost me {$38.00} everytime to send four sets of letters that were notarized.
Product: Checking or savings account

I had a online bank account with chime and on XX/XX/XXXX I had an unauthorized transaction on my account for XXXX dollars and I disputed it with them and filed a police report sent them a copy they denied my dispute so again in XXXX I had another unauthorized dispute for another XXXX dollars I followed same procedure with Chime and again they denied my dispute when I called asking for reason customer service person hung up on me I'm XXXX and can't afford to throw away XXXX dollars.
Product: Checking or savings account

I have not received my direct deposit for my paycheck since XX/XX/year>. It is going on the second day and my funds have still not showing. There is no timeline from XXXX XXXX when I will get my funds. XXXX XXXX has not been transparent either.
Product: Money transfer, virtual currency, or money service

XX/XX/2021, {$25000.00} was transferred to XXXX XXXX ( cryto currency exchange ). This was a wire transfer that was rejected because the money was sent from a different account than what I had registered with XXXX XXXX. Because the initiating funding account did not match XXXX rejected funding my account and is holding my confirmed wire transfer and has not returned the funds per their 10 day policy. Multiple accounts to reaching out by email, service ticket ( XXXX ), XXXX, and XXXX left to no action and funds still have not been returned.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I am writing to file a formal complaint concerning a misleading loan application process I experienced with Navy Federal Credit Union, which has subsequently resulted in harm to my credit score. This communication is a request for an investigation into the practices of the aforementioned institution and a plea for remediation regarding the adverse impact on my credit report. 

I applied for a used vehicle loan through Navy Federal Credit Union on XXXX XXXX, specifying a desired loan amount of {$30000.00}. During the application process, I was asked to indicate a down payment, which I set at {$10000.00}, as the total vehicle price was approximately {$42000.00}. Notably, the application did not request the purchase price of the vehicle. Based on the information provided, I was initially approved for a loan of {$20000.00}. In so much that I had requested a higher loan amount, I requested a revision, resulting in a revised offer from Navy Federal Credit Union for a 10 % increase, totaling {$22000.00}. 

Upon further discussions with representatives from Navy Federal Credit Union on XXXX XXXX, I encountered discrepancies in the approval process. Despite receiving an electronic communication with the subject line " XXXX! We Approved Your Loan '', representatives informed me that the application had not been fully approved. In a conversation with XXXX XXXX, a customer service representative, it was confirmed that the approval process involved deducting the down payment amount from the requested loan amount, without considering the vehicle 's value or the total purchase price. XXXX XXXX was empathetic with my situation and further explained that to secure a higher loan amount, a new application would be necessary, and could not assure me that this would not entail another credit inquiry. 

The situation escalated when, upon speaking with a manager, I was misinformed that the application process required the input of the vehicle 's total purchase price. This was contrary to my experience of completing the application on a mobile device, where only the desired loan value was requested. This inconsistency and the misleading information provided have led to confusion and concerns regarding the loan application process and the potential impact on my credit score.

In conclusion, the misleading information provided by Navy Federal Credit Union during my loan application process has not only led to unwarranted stress and financial instability but has also unjustly damaged my credit score. I trust that the CFPB will address this complaint with the seriousness it warrants and take appropriate action to prevent such misleading practices in the future.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX BANK # XXXX XX/XX/XXXX -- {$510.00} XXXX # XXXX XX/XX/XXXX -- {$530.00} XXXX # XXXX XX/XX/XXXX -- {$410.00} XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$400.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX {$570.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few concerns that are bothering me.     First and foremost there is a collection account on my credit report that is not accurate and should be deleted please. Based on FDCPA violations conducted by  XXXX   XXXX   XXXX  this account was prompted to be removed after a payment was made an date company violated my rights by harassing me, using foul language and attempting to illegally collect the amount again even though the sum was closed with   XXXX   XXXX   in a timely matter. Asked them to remove the collection, as it violated my rights and was not a collection item to beignet with and the refused me and continued to harass me. They are aware and have removed their account off from my  XXXX  and   XXXX   profiles but for some reason Transunion has not updating their reporting and removed this account completely as it has violated FDCPA law and can not be reported against me any longer.  XXXX  is aware of this and have apologized to me. please remove the collection, it is false.  <P/> ALSO, I would like the remarks under my   XXXX   and   XXXX   XXXX   accounts removed because i am no longer disputing them and they have incorrect remarks next to the account information. They are not being disputed and have not been investigated properly by any FCRA guidelines and therefore i would like the remarks removed. The companies have sent alerts to Transunion to remove the remarks and they have not abided yet.
Product: Debt collection

Hello, I pulled my credit report in XXXX of XXXX. My credit report contained a collection account from Midland Funding LLC. I called the number on my credit report, and was redirected to a Law Firm XXXX, I was then informed that this Law Firm had been retained by Midland Funding LLC. I spoke with a representative XXXX XXXX, followed by XXXX XXXX XXXX of which informed me that there was a pending lawsuit against me. The representative XXXX XXXX proceeded to give me a file number. After the initial phone call, I got flustered and hung the phone up. I then called back and made an attempt to clear up the matter, believing both representives from this law firm were being truthful. I proceeded to give them all of my personal information including my personal financial statement. XXXX XXXX then made a settlement offer. I paid with my credit card {$500.00} on or around XXXX/XXXX/XXXX believing this would settle the debt. After paying the {$500.00} I contacted the magistrate court in XXXX XXXX the representative told me only to find out, that this was account from XXXX that I responded to the summons in XXXX from XXXX XXXX Bank requesting my signature and proof of the debt. I was prepared to appear in court, however the lawsuit was dismissed. I realized I 'd been lied to but figured I did the right thing by paying the {$500.00}. Well about two weeks later, I received a phone call from XXXX demanding a second payment of {$500.00}. I then started to challenge with the information I had learned from the courts. The representative began talking over me, and said the debt would still be reported as unpaid. I 've been calling repeatedly to Midland Funding LLC, and the tactics are getting scary. I 'm contacting you now because Midland Funding LLC has been reporting the debt as unpaid even though I paid the {$500.00}. Since XXXX, I enrolled in credit monitoring, only to find out that in XXXX XXXX, Midland Funding entered XXXX negative entries on my XXXX credit report, XXXX under Midland Funding LLC, and a second entry on the charged off account from XXXX with XXXX XXXX Bank marked as a failure to pay for XXXX XXXX. This action resulted in a XXXX pt. drop in score with XXXX. Midland Funding and all of its affiliates are making a mockery of my credit score and the credit bureaus, by using unfair and unethical practices to strong arm me into paying a debt, that I 've already paid them under false pretenses and AFTER it was thrown out of court in XXXX. I 've requested a signature and itemized copy of what I owe to the original creditor XXXX XXXX Bank of which I am presently a card holder on my husbands account. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to Transuion about XXXX different hard inquiries on my credit report. They do n't seem to want to help me when I have asked them to provide paperwork or start and investigation to those inquiries. For example I had one XXXX XXXX XXXX Credit card ( which I have closed now, ) however, I have XXXX hard inquiries from them on my file which is outrageous. The customer service advisor and his supervisor were extremely unhelpful and would not assist me.
Below are the following listings : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Utilities & Fuel ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry :XX/XX/XXXXBank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an account with XXXX. At that time, they were offering a promotion. They guaranteed that we would be happy with our service or we could cancel within 30 days with no money due and no cancellation fee. We were very unhappy with the service and even had a service call which resulted in no improvement in our internet service. On XX/XX/XXXX, I returned all equipment to our local XXXX office and was presented a receipt for the returned equipment and had a XXXX   balance. 

Since then I have had 3 separate collection agencies report on my credit report that I owe {$160.00}. Three times now I have disputed these with the credit reporting agencies and had the entries removed. 

Imagine my shock when we applied for a loan in XX/XX/XXXX and found yet ANOTHER new agency reporting that we owe XXXX!!! The new collection agency is called XXXX, XXXX. 

Something needs to be done about companies such as XXXX continuing to report the fraudulent claims. I have consulted with hundreds of individuals in the past 3 months that have had the same or similar issues. 

I want all items from XXXX removed permanently from my record. Even the XXXX representatives themselves have stated that we have no balance due. I am getting nowhere quickly disputing these on my own through the 3 bureaus because they just come back as a different collection agency.
Product: Credit reporting or other personal consumer reports

I paid off a loan debt it and dramatically decreased my score by XXXX points from XXXX to XXXX when I paid off debt and I no longer owe the balance so my credit should have increased from XXXX to XXXX instead. Very discouraging I am doing the right thing by paying off a debt and I got punished for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made attempts to reach out to XXXX and TransUnion in attempt to request that the hard inquiries be removed from my credit report as I did not authorize them. They have confirmed receipt of the request and refused to remove the following inquiries from my credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

its daily for the past XXXX to 3 years at least XXXX to XXXX calls a day with Portfolio recovery Different phone numbers different parts of the country. They called me from the gym. Call me from a XXXX number different phone numbers different parts of the country. They called me from the gym. Call me from a XXXX number your data. 

sometimes they call the middle of the night sometimes they call early in the morning
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$56000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/XXXX I was arrested for writing worthless checks in XX/XX/XXXX, company at that time was under XXXX XXXX since then has been bought out by Deep South Financial Service which location I do not know there is three in XXXX La. one at XXXX XXXX XXXX Zip XXXX, one at XXXX XXXX XXXX XXXX Zip XXXX, one at XXXX XXXX XXXX Zip XXXX The charges were for the amount of {$75.00} After bailing out of jail, and loosing a days pay. The next morning my daughter took it upon herself to call her friend, XXXX at Deep South to get information regarding the account. And XXXX provide that there was a XXXX XXXX XXXX on the account not two much more information was showing. In the mean time I was dealing with District Attorney 's office and the charges were dismissed immediately. My daughter called me and advised me that her friend XXXX from Deep South called her and told her that the charges were dismissed. May it have been my daughter or anyone else information was released without the proper authorization to do so. This XXXX never asked to speak to me or a way to reach me to discuss anything much less get the proper authorization to release anything on me.
Product: Credit card or prepaid card

First of all, I've had a chase credit card for 10 years never been late. I noticed that Chase would not let me open a bank account and practice discriminatory practices against me. My mothers maiden name is XXXX. They lowered my credit limit They refuse to extend any credit more limit, denied several times over 10 years. Credit has been in good standing. I believe they do practice discrimination. 
I have had XXXX balance for the past 3 years. Always paid on time. Always get a fraud call every time I add a family member or student as an authorized user. Bad experience. I am wondering if they treat all their long time customers the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

The eviction is not correct and the amount is not correct that I owe. The writ is not true. 
XXXX XXXX XXXX shows I owe XXXX, and that was paid. 
XXXXXXXX XXXX XXXX academy processed an eviction and a writ of judgement but that is also incorrect. I think the amount showing is XXXX for that also.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX # 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