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

XXXX, XXXX, Transunion isn't honoring the fact that the name they have listed as my legal name isn't correct. I've contacted them numerous times and they won't fix it. I only had the name they're showing for 1 year and I have sent them my ID and everything. Why won't they fix this? All my creditors have the correct name, so it isn't them like XXXX says. I'm so tired of dealing with this. It happened in XXXX and this is XXXX. Do I have to get a court-order, because XXXX is doing the same thing and it's discriminatory at this point. XXXX has locked me out of my account and attorneys are phobic & won't help me get to these credit bureaus. I bet Transunion has this going on as well, but I'm tired now. I don't think I established any credit accounts during the time my name was XXXX XXXX XXXX. 

They have a problem with me, because it's obvious when you change your first/middle names that it isn't due to any kind of marriage. Do they do married people like this? I bet not! People answering the phones are foreigners and don't care about me or this issue. They leave me on hold too long and then don't do anything when they answer. 

I can't give you all the dates that I have dealt with this, but your bureau doesn't seem to do anything either. Why not? I can't afford an attorney. I will sue if this isn't corrected. Punitive damages will cost these companies, because this is beyond annoying and rude. They are being fraudulent, not me. Filing fees are less than lawyers fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan and pulled my credit report to my surprise my score was lower than I expected. When I looked to see what was going on, I noticed items on my report that aren't suppose to be there. A police report for fraud and FTC contact has been previously established prior to contacting you all. Please delete these items as soon as possible : 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, EXPERIAN, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I applied for a US bank credit card on XX/XX/21 from their promotional website promising {$500.00} in rewards for spending {$3000.00} within a 120 day time period. When I received the card I found that the card had a credit limit of {$500.00} ( see attachments ). When I called to complain to US bank I was offered no explanation other than to speak with their underwriting dept and was transferred to that department but left on hold for 12 minutes and then disconnected.I called back to speak with a supervisor ( XXXX? ) who was no help whatsoever and said it was still technically possible to reach the bonus even with a XXXX spending limit. I told her my credit score is 800+ and there would be no reason for the spending cap other than just a bait and switch tactic on the part of the bank and of course I would never have applied in the first place if I thought this would happen. On top of everything, the card has an annual fee ( waived the first year ). The conversation was recorded by the bank so they should have record of my call.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : XXXXL Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I filed a complaint against Huntington on XX/XX/year> with consumer finance for money missing out my bank account which resulted in investigation. On XX/XX/year> I was sent XXXX $ XXXX XXXXXXXX. When I went to withdraw money Huntington claimed I couldnt and the money would be returned within 7 days. The {$300.00} hasnt been returned to me or hasnt been sent back to user. Huntington stole {$300.00} out my account before closing it due to my last consumer finance complaint. I believe this is retaliation.
Product: Credit card or prepaid card

Several years ago I purchased a washer and dryer set from Lowe 's. I set the purchase up for delivery ; however, Lowe 's did not deliver the appliances. I subsequently canceled the order and asked for a refund. Several months passed, and, I kept getting credit card statements showing a balance on the card for the purchase ; and, I called corporate several times to have this removed from my card. I asked them to make sure it's removed from my card and there are no negative remarks on my account or credit report. They ensured they'd do both.

I checked my credit report due to lower scores than expected and found Lowe 's reported my payments as being late for the card. I have not used my Lowe 's card since the incident in question, and, I know the remarks are pertaining to a purchase that I never had in my possession. This is grossly incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and an effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Checking or savings account

Hi, 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 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: Credit card

On XX/XX/year> I made an in-store purchase for a new golf driver from XXXX XXXX XXXX XXXX for {$700.00}. I was told the turn-around time was 4-6 weeks. I never received the item during that time frame so I called the store. The store said it was shipped and delivered, yet I never received the item. 

On XX/XX/year>, I started a dispute with my credit card Prosper Cards and received a temporary credit on XX/XX/XXXX. I called back on the first week of XXXX to ask for the status of the dispute and was told they have yet to close it. As of today, XX/XX/XXXX, Prosper reversed the temporary credit and has yet to give any correspondence as to why the dispute was denied.
Product: Mortgage

Rushmore LM had offered me a trial modifcation on XXXX XXXX. I agreed to it, then withdrew and resubmitted to it. It was approved, at same time i was waiting for them to send reinstatement amount to NJ homesavers hardest hit. Then i recieved notification they recieved documents, i signed the paper work with NJ homesavers and they paid {$50000.00} to rushmoreLM. {$40000.00} for arears and legal fees, balance to reduce principal. I withdrew from the trial, it was approved by Rushmore LM, they took the funds from NJ homesavers, sent notifcation of this and modification withdraw. They never returned my {$6700.00} deposit for the trial modifcation, they said its not refundable, They kept the money. They diverted these funds illegally. The check says deposit for modifcation. If there is no modification, there is no need for the deposit not to be returned
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached to experian NUMEROUS times, Ive disputed theses items on my credit report numerous times and they still have failed to provide proof that these items are mine. XXXX was unable to verify these items so they have been deleted from my credit file. Im very curious to know how Experian was able to verify these items but XXXX  wasnt, Im demanding they provide proof, I would LOVE to see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and found that I have several accounts that are unknown to me. 
XXXX XXXX XXXX XXXX XXXX  I have never done business with these companies.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to make a purchase at XXXX XXXX XXXX XXXX XXXX  as I was visiting my XXXX on vacation and my card was declined which was strange since there should have been $ XXXX left available on the card. I paid for the merchandise with another card and left the store. Immediately upon getting to my car I called the company to find out what was going on. They informed me that my card was locked due to suspected fraudulent activity. I asked what they thought was fraudulent on my card that would warrant it being locked and they said they couldn't see the exact reason but if I were to send proof of address and a copy of my driver 's license to validate my identity then the information would be reviewed, and the account could be unlocked. I did state that I was out of town and didn't have access to a utility or any other mail that I received she then told me to send a copy of bank statement and my driver 's license. I have now sent everything to them but continue to get the run around. Yesterday I spoke with a rep who told me that they had everything they needed, and my card would be unlocked within the same business day. As of XXXX it was still locked so I called them back to ask why at which point I was told that my proof of address was not sufficient. This 14 days after this process had be started and I have had multiple conversations with the company re this issue and have been told that the proof of address was good but the driver 's license they had multiple issues with and I had to send it XXXX  times at which point I was told everything was good. Now they are saying they need proof of address. They are just jerking me around and I am unable to use my card but they are expecting to get payment on time and of course eveything that I have on autopay with this card now needs to be moved somewhere else before those purchases are denied as well. They never contacted me to tell me that there was a problem with my card they just locked it.
Product: Checking or savings account

I will attach the dispute forms where they approved one set of transactions but denied the rest. Im confused because they approved a group Of transactions and made my provisional credit final, but then turned around and denied the rest when the transactions were to the same place as the ones they approved. They my account negative {$3300.00} when they took back provisional credits for a bunch of transactions related to gambling, however approved my other disputes for the same type of transactions for {$1900.00} and made those provisional credits final. How can they approve {$1900.00} worth of transactions and say yes they were fraudulent and an error occurred but then turn around and take back {$3300.00} saying that no error occured when the transactions are all to the same Place around the same time. Ridiculous
Product: Credit reporting or other personal consumer reports

The Credit Bureaus stated that my account was investigated but how can that be if the dates last active are incorrect, incorrect full name, high credit amounts are incorrect, incorrect account numbers, account status is incorrect, responses to where inquiries came from were left unanswered. How can an investigation be conducted properly and fair according to the law if the information still reporting is erroneous? These are all grounds for immediate removal from my credit reports as it violates my rights under 15 U.S.C. 1681 section 602 A. I was seriously affected and harmed because the Credit Bureaus continue to show this incorrect accounts reporting resulting in a bad credit score. The Credit Bureaus continued to give out incomplete and inaccurate information after I requested the accounts to be validated. The XXXX XXXX agencies are all negligent and willfully noncompliant with the laws exhibited for people like myself. XX/XX/2023 was the latest time that i have sent out disputes via XXXX and have not received an immediate delete for the accounts. I demand these negative accounts removed. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days and more than the grace period of up to XXXX additional days ( 45 days total ) to respond. The following accounts regarding my claim are as follows : # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX.
Product: Debt collection

Account # XXXX Ive explained to the company that I have been affected by a Natural Disaster hurricane Francine, and this debt reflected on my credit reports is impacting my ability to rebuild and get back financially stable. Ive asked this company to delete/remove this debt, without any response.

I also want to notify this company that my personal information has been exposed in several data breaches, and in the dark web. Ive have submitted two complaints for identity theft with the Internet Crime Complaint Center, where my bank accounts was compromised/money stolen. Ive attached the complaint information sent. 

I wish for this debt to be removed immediately from my credit reports, and all contact ceases.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 NCB MANAGEMENT SERVICE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA NCB MANAGEMENT SERVICE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

1. Wells Fargo contacted me on the phone to offer secondary modification to my modification. Wells Fargo was reducing my interest rate, forgiving an amount and deferring a portion of the principal, which will be the amount owed at the Balloon due date. Today, XXXX from WF told me that WF did not forgive any amount. 

2. I have paid extra money toward the principal and WF has failed to apply the funds toward the principal and recalculate the amount due. In the alternative, WF has further failed to reimburse me for the extra money I paid and in the alternative, WF has failed to apply the extra money toward the deferred/Balloon amount. 

WF has cashed my checks and refuses to give me credit. If credit is given, the accounting must be recalculated according to new amount due.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report. These accounts were opened without my knowledge or authorization following a data breach involving my personal information. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts blocked and permanently removed from my credit file. 
XXXX Accounts 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
Product: Credit card

On XX/XX/year>, I purchased an XXXX from XXXX for {$1400.00}. I returned the item within the return period, as confirmed by the tracking information. The package was delivered to XXXX 's facility in XXXX, IN, on XX/XX/year>, according to XXXX tracking ( Tracking Number : XXXX ). 

Despite this, XXXX has not issued the refund. Their own website confirms that the item was received but states that the refund is " stuck in processing '' and could not be issued. I have contacted XXXX customer service multiple times, but the issue remains unresolved. 

When I filed a dispute with Capital One, XXXX claimed there was " no cancellation per policy. '' However, I did not attempt to cancel the order ; I returned the item according to their policy. Furthermore, XXXX would not have accepted the return if it was outside their specified timeframe, further confirming the validity of my return. 

I am requesting your assistance in resolving this matter. XXXX has acknowledged receipt of the returned item, but I have yet to receive the refund of {$1400.00}.
Product: Debt collection

I am filing this complaint regarding a dispute I submitted on XX/XX/year>, for Affirm XXXX ( Account # XXXX ) under Report # XXXX. XXXX completed their investigation on XX/XX/year>, but failed to provide me with the information I am entitled to under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I requested a description of the procedures used to determine the accuracy and completeness of the information I disputed. Under XXXX5 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to this information, including details on who XXXX contacted or interviewed during their investigation. However, despite my request, XXXX has not provided this information. 

This lack of transparency and failure to comply with federal law has left me unable to verify the accuracy of the investigation 's results. I respectfully ask the CFPB to assist in ensuring XXXX provides the required procedural details promptly.
Product: Checking or savings account

This is a Amended Complaint XXXX BOA is allowing wire fraud by others taking my XXXX funds BOA is abusing my XXXX rights making me go personally to the bank to make my claims and access my account to stop the wire fraud
Product: Debt collection

Debt collection agency named Blackrock Mitigation Group LLC. They have been calling me for the p ast two wee ks, at least 4 times a day, as an unknown caller. Never leaving a voicemail. Finally his " unknown caller '' left a voicemail and said her name was  XXXX . Never said what company she was with or what this matter was regarding. She stated that she had documents for me to sign, and that she has set up a meeting with my HR department. She asked I call her back at  XXXX   XXXX   XXXX   XXXX  before the end of the day. I did not get around to calling  XXXX  back, and so today she calls stating that she has in fact a meeting with "  XXXX   XXXX  '' with my companies HR and she will be discussing my wages and that she has every right to garnish them. Also, since she had no record of me calling her back, that she will take that as a refusal to pay, and therefore action will be taken. I did call this number back after I received this voicemail, and spoke to a  XXXX . I asked  XXXX  what this was regarding, and she stated a payday loan taken out that had not been repaid and that the payday company   XXXX   XXXX   XXXX   was filing a civil lawsuit against me for theft by deception, and a few other legalities she threw out. She stated that my previous bank had denied   XXXX     XXXX   XXXX  's payment withdrawals at my request. ( Which is not true ). She stated that the " courier '' was already out of the office with my papers I was to be served and that this again, was a refusal to pay. She noted calls from   XXXX   XXXX   XXXX   to myself, stating that I told them I would not be paying them back ( also not true ). She then threatened me with seizing my car ( which she knew the make and model ) and also threatened to seize my wages. Also, that I could be arrested at any time. I asked for all documentation to be emailed to me and that I would get back to her on this matter. Lastly, she requested a payment of approx {$1200.00} to have this matter resolved.