23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

EXPERIAN HARD INQUIRIES: 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 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: Mortgage

I have my mortgage with SLS ( SPECALIZED LOAN SERV. ) I have been denied a loan modification several times for crazy reasons My home is listed as a MERS account. It has been sold over six times without sending a GOODBYE LETTER or notice. The monthly fees keep changing. 
changing. My payments are being sold as mortgage backed security, therefore the home can not collateral. MY TITLE IS CLOUDED AND SLS ( SPECIALIZED LOAN SERV. ) IS NOT BONDED TO COLLECT IN MY STATE. They are in violation of the TEXAS XXXX XXXX. NOW THEY ARE TRYING TO FORECLOSE ON MY HOME. PLEASE HELP CODE. They are trying to steal my home PLEASE HELP ME or
Product: Credit card

I always make my full statement balance payment per Capital One website, every month, to avoid interest charges. For the month of XX/XX/year> I paid what the Capital One website told me to pay as my remaining statement balance to avoid any interest charges. However, the amount reflected online was incorrect by {$25.00} and Capital One proceeded in charging me {$37.00} interest charge. I strongly believe theyre doing this intentionally which is a deceptive practice to consumers. I requested they credit me back the interest charge of {$37.00} since it was their fault the system reflected the information incorrectly, however they refused. Capital One is being deceptive and greedy to consumers and need to be investigated. The supervisor I spoke to XXXX employee number XXXX refused my requests to escalate my concern, Thank you.
Product: Credit reporting

There are XXXX new addresses appearing on my credit reports. I have not furnished the address XXXX XXXX XXXX, XXXX, CA XXXX or XXXX XXXX XXXX XXXX XXXX, Ca XXXX. This is erroneous information and needs to be removed from all credit reports. 

The last name XXXX is also incorrect.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4 please provide copy of original documentation from following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE PROVIDE ORIGINAL CONTRACT ALSO PAYMENT HISTORY & WHO WAS CONTACTED IN THOSE COMPANIES
Product: Money transfer, virtual currency, or money service

MY husband and I attempted to send money to a pastor in XXXX for a water project at the amount of {$4100.00}. Due to the fact that we have not actually met this pastor in person Western union said that they would not deliver the money even though they did do a similar delivery in XXXX of last year. 

So we asked for a refund and this has be processed so they say and promised and each time we have talked with them and asked for a supervisor the say that all that can be said it that it is in process. We are now talking almost 3 months We have made 6 phone calls and have given up as we get the same story. Promise without any delivery
Product: Checking or savings account

Im writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when a 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 reporting, credit repair services, or other personal consumer reports

I opened a dispute with Experian on XX/XX/XXXX because they are showing a card with XXXX still has over XXXX past due. That card has been paid in full since XX/XX/XXXX and I uploaded proof from XXXX stating that. Experian closed the dispute yesterday XX/XX/XXXX and claim XXXX stated the XXXX past due is accurate. It's not. I called Experian yesterday XX/XX/XXXX and agent opened a new dispute. It has also been closed as of today XX/XX/XXXX. The system barred me from disputing online again. This is hurting my credit. I already disputed with XXXX and have that same account showing {$0.00} as is accurate. This credit card was opened by a family member without my knowledge. That family member has subsequently paid in full and this {$1800.00} past due should not be on my account.
Product: Mortgage

I have been in contact with U.S. Bank concerning information that was reported to the creditbureaus regarding my mortgage loan with U.S. Bank. I went into a Covid-19 forbearance plan agreement that started on XXXX, 2023 and ended XXXX XXXX. My mortgage was reported 180 days delinquent to my credit reports even though I had gone into a forbearance plan due to a reason related to Covid-19. The Cares Act states that if your financial hardship was caused by COVID-19 during the covered period under the CARES Act and you were current on your mortgage before receiving the payment deferral, the mortgage must continue to be reported as current on your credit report if the loan is federally owned. My mortgage is owned by XXXX XXXX 

As stated in the CARES Act, the credit reporting protections XXXX days after the official end date of the pandemic. That official end date was XX/XX/2023 and would extend to XX/XX/2023. Therefore, since I went into a forbearance agreement with U.S. Bank on XX/XX/2023, I was still within the time frame allowed to keep my loan payments current during my XXXX forbearance period. They reported me late from XX/XX/2023 to XX/XX/2023. I need your help to explain the law to U.S. Bank, because my attempts have been denied. I have both written a letter and attempted to dispute the errors through the credit bureaus. I appreciate your help in this matter. Thank you and take care.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX Account number 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employment history : Never worked at XXXX ; want it removed. Victim of identity theft. 
Also, two unauthorized hard inquiries.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

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 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 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 I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or polices therefore the deceptive calumny must be eradicated as is my licitly requested resolution, please do so HERE AND NOW! This claim has renowned ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : In cognizance to the item questioned above, Data Reporter Name reported as Not Reporting for XXXX, XXXX XXXX XXXX for Trans Union, and as Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! 
****************************************************************************************************
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$25000.00} XXXX   XXXX {$660.00} XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX {$3600.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$360.00}
Product: Credit reporting or other personal consumer reports

I'm so disappointed! Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3100.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint against Merrill Lynch XXXX Bank XXXX XXXX ) regarding a series of negligent actions and unfair practices that have caused me significant financial loss and mental distress. 

XXXX of Events : XXXX XX/XX/year> : Sold ESPP shares and requested a wire transfer of {$11000.00} to my bank account in XXXX. 
XXXX XX/XX/year> : Contacted Merrill Lynch XXXX XXXX helpline to confirm wire transfer. 
XXXX XX/XX/year> : Contacted Merrill Lynch for an update as funds were not received. Merrill Lynch stated the wire transfer was completed on XXXX XXXX and funds would be available within XXXX working days. 
XXXX XX/XX/year> : Funds still not received. Reached out to my bank in XXXX ( XXXX XXXX Bank ) and requested an XXXX from Merrill Lynch. 
XXXX XX/XX/year> : Received XXXX from Merrill Lynch and sent it to my bank in XXXX for tracing the funds. 
XXXX XX/XX/year> : My bank in XXXX requested an authenticated XXXX from Merrill Lynch, as they were unable to trace the funds. 
XXXX XX/XX/year> : Merrill Lynch claimed there was no such thing as an authenticated XXXX. 
XXXX XX/XX/year> : My bank in XXXX confirmed they had not received any inward remittance and suggested checking with the sender bank, Bank XXXX XXXX. 
XXXX XX/XX/year> : Requested a wire reversal from Merrill Lynch. Within 2 days, the funds were returned to my brokerage account, but the amount was only {$11000.00}, approximately {$370.00} less than the original amount. 
Issues : Negligence and XXXX : Merrill Lynch failed to provide timely and accurate updates on the wire transfer status, causing significant delays. 
Lack of Proper Documentation : Merrill Lynch was unable to provide an authenticated XXXX, hindering the tracing of funds. 
Financial Loss : I incurred a loss of {$370.00} due to the wire reversal, despite providing accurate account and transfer details. 
XXXX XXXX : The prolonged process and lack of clarity caused immense mental distress, as the funds were needed for debt payment. 
Funds XXXX : The money was always with Merrill Lynch and never reached my bank account in XXXX. The successful wire reversal within XXXX working days further confirms that the funds were not with my XXXX bank, as additional permissions would have been required for such a reversal if the money had been with them. 
This situation is a clear case of negligence, unfair practice, and possible exploitation through unnecessary charges and unfavorable currency conversion rates. I request the CFPB to take necessary actions against Merrill Lynch to ensure accountability and prevent such occurrences in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Checking or savings account

On XXXX/XXXX/2022, I deposited, through the mobile app, two small checks from my small business account to my personal banking account for ~ {$1500.00}. XXXX notified me after the deposited that there would be a hold placed on the two deposits for 1 week - inconvenience but fine. 

The next day, XXXX places a hold on my entire account, locking me out of online banking, blocking any transactions ( regularly scheduled bills ), denying me access to my funds already in the account. 

On XXXX/XXXX/2022, I called XXXX customer service and they confirmed they locked my account due to the check deposits. And thats just how XXXX does it. 

I have never been accused of depositing fraudulent checks, nor do they say these two checks are fraud. They are unilaterally blocking my account without ever accusing me. Minus the absolute inconvenience as I prepare to travel, this will eventually cause me to gain returned bill payment fees for things already scheduled.
Product: Credit card or prepaid card

Since I 'm a  Costco Wholesale Club member I did try to get the Costco Anywhere Visa accou nt, which is administered  by Citigroup , Inc but my application has been rejected because I filed for bankruptcy more than 13 years ago and in the process, its was included a previous account I had with Citibank. It looks to me as if they do consider filing for bankruptcy as an illegal act and I would like you to clarify my thoughts on this matter.I did send a letter to them dissenting with the decision they did take and remembering to them that Citigroup , Inc. along with others finances institutions almost sank the whole economy in the USA i n   XXXX   and did n't file for bankruptcy itself because the government by the time granted them the astronomical amount of  XXXX . Ir onically, I do have a Best Buy credit account which is managed by Citigroup and by the way, my credit score is  more than  XXXX .
Product: Credit card

Re : Capital One preventing cardholders from transferring Venture X Rewards Card miles to affiliated partners with two-factor authentication error. According to threads on reddit.com, I am not alone and it has been happening for at least 6 months to multiple card holders. 

Capital One is preventing me from transferring earned miles to their affiliated travel partners. This is a clear violation of their obligation to card holders. 

*Two-Factor Authentication Error Loop* I am experiencing a two factor authentication " error loop '' that only accepts a mobile phone number as a way to authenticate. When I enter this information, it fails to perform the transfer every single time. I have been trying to do it for approximately 10 days now. 

*I Am Not Alone- This Is a Known Issue* My wife just obtained the same card and the same thing is happening to her account. 

I have called customer service. They assigned a case # a week ago. No resolution has taken place as of today 's date and based on postings to reddit.com this is happening frequently.
Product: Debt collection

I called PayPal credit and offered to pay all but the exhorbitant late fees. Actual balance is only about {$350.00}. But because they will not shut the account down and will not settle for actual balance owed, the amount had accrued to {$790.00}. They keep adding {$39.00} per month plus interest. I do not use this credit and havent for over a year. But they will not stop. It is dragging my credit score down and they will not quit the charges. Im willing to pay what I owe but not all the late fees when I have tried to pay them. Even amongst Covid 19 they will not help and keep making it worse.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Student loan

I'm in the process of purchasing a home when I obtained my credit report. Great Lakes shows my High Credit as {$24000.00} but shows my balance as {$36000.00} ; a variance of $ +XXXX over the credit limit which has a significant negative impact on my score. I called Great Lakes in attempt to either have the balance lowered or High Credit increased but was quickly told by XXXX that there was nothing that can be done and that what they are doing is not illegal although its impacting my score by 60+ FICO points and will remain that way until the loan is paid in full, I have been on time and in this environment there should be some compromise to not penalize consumers who are doing the right thing. The interest is ridiculous and should be illegal. Please review and XXXX sit me to get some answer to my concerns and possible some reconsideration of this way this trade line is reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

my Identify is stolen or Lost and i can not access my Privacy Credit report also i want XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was in forbearance until XX/XX/XXXX with Flagstar. I called to see what options I had moving forward and was told my forbearance expired XX/XX/XXXX. I was never advised of this when my forbearance continuation was extended until XX/XX/XXXX. When I called to enquire why my online account was showing : You are currently on an active forbearance plan that is set to end on XX/XX/XXXX Please keep us updated on your financial circumstances so that when you are able to resume making monthly mortgage payments, we can provide you the best opportunity for an efficient mortgage reset. Please click Update Hardship Information to begin. 

I was told there's a problem with their online accounts and they are aware of this issue. In the meantime, there is nothing more they can offer me than to accept the deferral option I was approved for or file loss mitigation. This misinformation of the end of deferral dates and their lack of accountability for their mistakes finds me in a really bad spot. I would like the same options offered to me while my account was still in forbearance. After all, I was going by what I was told on the phone and what is showing on my online account. Furthermore, on XX/XX/XXXX spoke to three different people and received three very different answers. One said I was no longer in forbearance but protected under FEMA until XX/XX/XXXX, Second rep told me my account had a 30 day and 60-day late payment reporting ( never late on mortgage payments, prior to forbearance ), and the third was unable to do anything more after checking with her supervisor because my forbearance expired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax wants me to join do they can correct a bad information on a account that was close and the company continue to charged me month to month what I have another carrier give me the XXXX XXXX  I need. Equifax says they have no bad reports but in my credit is still there. This company wants to charged to join ( Equifax ) if not they say there are not responsible of what happened to my credit score.