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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$330.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4500.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I am a public service employee that worked for the State of California. I was subject to many freezes and furloughs that reduced my pay. Navient would steer me into forbearance and recapitalize my interest creating a life of servitude to my loans. They would do so with he promise of bring my account current, yet they repeatedly reported my account as late. 

This usurious practice and then punishment by credit reporting is an unfair business practice. They can not have it both ways. 

Although I refinanced my loans into Direct loans, my credit reports still show Navient as reporting my accounts as late.
Product: Checking or savings account

I am writing to dispute overdraft charges applied to my account from XXXX to XXXX with overdraft charges.I believe these charges were applied in error, and I request that you investigate the matter and refund the incorrect charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2017 my credit was ran through SageStream, which I have never heard of. Said my score was XXXX? My XXXX score is XXXX and XXXX is in the low XXXX, seems a little strange. So when you call to get a report from SageStream it directs you to their website. Website directs you to call or send a fax to a phone number and include a ssn and other personal information. I called again and tried to speak with someone, pressed one, and got put straight into an automated voicemail. Something is very wrong here. For two credit reporting agencies to be about the same on scores and this one to be so much different and unable to be contacted without faxing in personal information. Something doesnt seem right.
Product: Mortgage

In XXXX of 2021 we contacted the Home Point Mortgage call center to request a payoff quote. We received the information with the amount and had them work out an adjusted the automatic monthly payment drawn directly from our checking account from our normal monthly payment to the payoff amount. On XX/XX/2021 the automatic payment was received by Home Point for the agreed payoff amount and it was recorded on the company website as received and posted on XX/XX/XXXX. The statement showed the normal contractual monthly payment of {$2500.00} as well as an additional principal payment on hold for {$1000.00} to cover the remaining principal and final fees. The statement also showed a principal balance due ( after the final payment was received of {$970.00} ). We called the mortgage company and were told that they were required to wait 10 business days to insure/confirm receipt. We called on the 10th business day and the mortgage still showed a balance of {$970.00} due and an upcoming XXXX billing for {$2500.00}. The money has been out of our account and received by Home Point Mortgage since XX/XX/XXXX and they have now exceeded the 10 business day period and have still not shown the mortgage satisfied with a {$0.00} balance. In addition I fully expect to get a bill on XX/XX/XXXX for the normal monthly payment. There is no reason for it to take 10 business days to confirm and settle a payment given current electronic fund transfer technology as that confirmation can be done in hours if not minutes. To add insult to injury today we received an email from Home Point with instruction to payoff the final balance of {$1000.00} by XXXX XXXX. This is beyond frustrating since they have had this final payment since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. DEPT/OF EDUCATION/XXXX Has fraudulent accounts on my credit profile that needs to be removed immediately.
Product: Money transfers

On XXXX XXXX, I sent a payment of {$400.00} through PayPal to my daughter. I, later that same day, sent another {$400.00} in error because I did n't think the first {$400.00} had transpired. 
I cancelled this last {$400.00} and my daughter also refused the payment. Paypal continues to take that {$400.00} out of my checking account regardless of assuring me that the payment was cancelled. They are now also taking an additional {$400.00} out that was never received by my daughter. They tell me because my bank refuses payment they will continue to withdraw the funds even after it was cancelled and refused.
Product: Checking or savings account

18 months ago, I opened a XXXX CD account with CIT bank XXXX XXXX 4.5 %. XX/XX/year> is the maturity day. 

On XX/XX/XXXX, I logged into my online account and found out my expected principal and interest was locked into a new 2 Year CD account @ XXXX 0.399 % without my consent and knowledge. 

I called the bank and was told it was CIT bank policy ( embedded in page XXXX of a XXXX pages document ) that matured 18 months CD will automatically be rolled into a two year CD account. I was never informed of such a policy when I signed up with original CD. I am extremely disturbed by the fact that they chose to roll my money into a two year CD practically earning Zero interest rate when ongoing market interest rate for CD is around 5 %.. Even on their own bank website is full of CD products that earn XXXX to 4 %. This is a totally ripped-off. 

To make things worse, when I requested to close this XXXX year CD they hijacked me into, they told me I need to pay early withdraw penalty of more than {$500.00}. Despite my talking to the bank supervisor XXXX and manager XXXX, they refused to waive the early withdraw fee and the vicious bank got their way. 

This is a bank with zero business ethics. I am writing to seek you help. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has made it impossible to activate " Security Freeze '' of my personal credit report. I have logged onto their site, where they heavily advertise their alternative " Credit Lock '' for {$19.00} monthly subscription. it take time to find the link to the Security Freeze option, which ultimately returns a 'technical error '' message, with a number to call. I have called the number, but that also returns a recorded message of 'technical error '. In short, Transunion has effectively block any method to security individual credit reports without using their high cost subscription service
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for any credit from chase, I want no credit from chase and they continue to rerun my credit checks for some reason. I have discussed this with them in the past over a year ago and they removed some credit checks now again they are doing it. I 'am being single out by chase bank as a victim as they are trying to damage my credit score, but I do n't carry there cards any more. I was on vacation all summer, XXXX XXXX in alaska back country and still applied for credit ( so they say ) Ha, Ha . I want all four XXXX hard filing removed from my transunion report and any future ones they may come up with, as I DO NOT intend to apply for their card. ALSO the XXXX excuse of having my identiy stolen as was their reason too. wo n't fly anymore. Just clean up their hard files or give me a excuse like they do and blame some one else.
Product: Mortgage

Hello, My name is XXXX XXXX and I lost my house in XXXX. 

I tried many ways and many times to get help with Wells Fargo who I had the mortgage loan through. 

Wells Fargo denied : loan modification, loan forbearance and did not give me any options to keep my house.
Product: Credit reporting or other personal consumer reports

Im not able to login to my online account with TransUnion. They blocked me and dont allow me an access to my online account and online credit report. The message on the TransUnion website said : Your account is suspended. We're unable to complete your request online. The customer service refused to give me an access to my online account. This is unacceptable service and discriminatory business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Hello, I am reaching out because someone tried to open a few different credit card accounts in my name. I was alerted about the fraud by XXXX ( my actual bank ), via their credit monitoring service, that multiple hard inquiries were done on my credit. Hard inquires were done by XXXX, Wells Fargo, and XXXX on my XXXX report. XXXX also pulled my XXXX report. The aforementioned applications are fraudulent. I reached out to the credit bureau 's and froze my credit ( the hackers/fraudsters who are impersonating me tried to open an account with XXXX while my credit was frozen but it appears that inquiry was blocked accordingly ). I also reached out to each of the institutions listed above to alert them about the fraud. According to the companies, those applications were marked as fraudulent and are in the process of getting pulled from their systems or an investigation was started by each company. That being said, in order to dispute the hard inquiries on my credit reports I needed to file a complaint with the FTC. When I tried I got transferred over to this website and that basically bring things up to the present moment. With this, I filed a police report with the XXXX Police Department earlier today to make sure all of my bases were covered. I can provide the report number or a copy of the police report upon request. I hope this can help resolve things somewhat cleanly since this is the second time someone tried to open accounts in my name in the past year. I was told fraud alerts were sufficient deterrents against this problem and though they were a good first line of defense, freezing my credit seems to be the only thing that will deter these fraudsters. I make a modest living and I worked for years to get my credit into a good place. Having that tanked by bad actors would quite literally ruin my life. I will be keeping my credit frozen for the foreseeable future and I recommend everyone does the same whether or not they have experienced a situation like mine yet. Thank you in advance for helping to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to mb on the phone for the pest 3 months I have been trying to resolve the late payment from credit bureaus being removed.

I have been told over the phone from more then 1 employee that it will be removed from my credit report but it wasnt After trying for months I have been advised by legal advice to mail out the attached check See the dedails on the front memo and backs signature panel ( By depositing this check XXXX XXXX XXXX agrees to remove all late credit reporting from the 3 major Credit bureau
Product: Debt collection

I have requested the original contract over a three year period and have never received it per 15 US CODE 1692 ( G ), also known as the Validation of Debts section, is part of the Fair Debt Collection Practices Act and Title 15 of the U.S. Code, Commerce and Trade. It requires debt collectors to follow certain procedures when communicating with consumers about debt collection : Validation notice Within five days of the initial communication, debt collectors must send consumers a written notice that includes the amount of the debt, the creditor 's name, and a statement that the debt will be considered valid if the consumer doesn't dispute it within 30 days. The notice must also state that the debt collector will provide the consumer with the original creditor 's name and address if requested within 30 days. 
Disputed debts If the consumer disputes the debt, the debt collector must stop collection efforts and : Obtain verification of the debt or a copy of a judgment Mail the verification or judgment to the consumer Other provisions Debt collectors are also prohibited from taking certain actions, such as : Threatening or taking non-judicial action to disable or dispossess property if there is no right to possession, no intention to take possession, or the property is exempt by law Using unfair or unconscionable means to collect a debt, such as collecting amounts that aren't authorized by the agreement creating the debt or permitted by law
Product: Bank account or service

We have been banking with Wells Fargo and had a no monthly fee account. When checking on line my husband noticed that a monthly fee of {$18.00} appeared on our savings/checking account. We had no noticeof this change. My husband contacted Wells Fargo by phone. He was told that they had changed our account to one that now carried a monthly fee. My husband was told that the bank was not required to inform us of this change. Now it was necessary to have a mortgage with Wells Fargo to have no monthly fee. My husband told them that this was unacceptable, we wanted a refund of the fee. Initially they said this was not possible. My husband asked to speak to a supervisor. After some delay, my husband was told that they would refund half of the fee, {$9.00}. My husband told them this was unacceptable, that the entire fee needed to be refunded. The contact person on the phone said, and this is a quote, " what 's the problem? It 's just {$9.00}. " Once again my husband said this was unacceptable and that the entire fee needed to be refunded. After more delay the supervisor came on the phone and said that the entire fee would be refunded since " we were such good customers. '' How many people who may not be routinely checking their accounts have not noticed this change? Apparently Wells Fargo believes it can steal money from its customers, that they are not required to inform customers of changes to, their accounts, that customers should willing to absorb half the fee since it 's such a small amount. Needless to say we will be changing banks. How much money has Wells Fargo made with this deceptive and dishonest practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 )  credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. 
I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
The second inquiry was made by XXXX XXXX on XX/XX/XXXX and should not be showing on my report either. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ).

CHASE did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for JPMCB needs to be DELETED for this inaccuracy. On all Credit Agencies ( XXXX, XXXX, XXXX ) And all secondary Credit agencies.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, I have been living in the United States for more than 2 years now. I am facing issues with my Credit File Report On XXXX. I am writing this because I have concerns regarding my credit history report with XXXX. I can not access and find my credit history even though I have been in the US for over two years. I spoke with their customer service multiple times in the past four months, and there was no help provided. I am still facing this issue today even after sending the documents requested five times. I have a credit card, and bank account, with a good credit history with multiple organizations like XXXX XXXX XXXX XXXX XXXX XXXX Please go through my complaint and let me know what's needed to update my credit history I am unable to apply for a new credit card and other benefits because of improper information in my credit history.
Product: Vehicle loan or lease

I am writing this communication as a Customer Service Rep at this organization made a very rude condescending remark to myself when i called to ask why after almost 5 business days had my loan payoff check sent from XXXX XXXX wasn't posted to my account. I was told that " you have to call the dealership ... '' to which I told her that i don't have to do anything, she replied " well it ain't my credit that is at risk '' which is a clear violation of law. Now, XXXX tracking # XXXX shows it was delivered to XXXX citizens bank way XXXX XXXXXXXX XXXX and signed for by XXXX on XX/XX/year> at XXXX XXXX As such, i would hope that the payoff check from XXXX XXXX can be found and applied as soon as possible given the payoff was delivered to the XXXXXXXX XXXX XXXXXXXX and I would think it wouldn't take 5 business days to route a payoff check to the correct division for processing. SO, someone needs to find XXXX whom signed for the enveolope whereby the payoff can be processed without anymore interest racking up on my account or call XXXX XXXX and speak witht their accounting department and inform them that your institution lost the check and provide them the correct payoff address. Either way, I am formally requesting this matter to be resolved ASAP given your organization has had the check for at least a week and yet my account still is not paid off.
Product: Checking or savings account

I opened One Deposit Checking on XX/XX/2019 in response to the attached offer to get {$300.00} when I open a checking account and make a direct deposit of {$500.00} or more within 60 days. 

Based on attached statement dated XX/XX/2019, you can see that the account was opened on XX/XX/2019, and, based on attached statements dated XX/XX/2019 and XX/XX/2019, you can see that direct deposit of {$250.00} was made on XX/XX/2019 and another direct deposit in the amount of {$250.00} was made on XX/XX/2019. Therefore, total direct deposit of {$500.00} was made within 60 days from the account opening. 

I called Citizens Bank on XX/XX/2019 and spoke to supervisor XXXX in Rhode Island who told me that there was supposed to be a single direct deposit of {$500.00} not total direct deposit total of {$500.00} within 60 days from the account opening to be qualified for the bonus. As you can see on attached offer, the offer does not tell specifically single direct deposit, it just mentions direct deposit and, as a result, it was my understanding that a direct deposit total of {$500.00} would make me qualified for {$300.00} bonus. 

On XX/XX/2019 I sent attached letter address to Citizens Bank CEO XXXX XXXX XXXX at the address of XXXX XXXX XXXX, XXXX, RI XXXX but I have not received response as of XX/XX/2019. 

I hope it was a mistake on Citizens Bank end to omit word single in front of words direct deposit and I hope that that my account will be credit with {$300.00} bonus. However, if Citizens Bank intentionally omitted word single on the offer, this situation may qualify under enclosed Federal Trade Commission Act paragraph Vii. Unfair and Deceptive Practices that states : An act or practice may be found to be deceptive if there is a representation, omission, or practice that misleads or is likely to mislead a consumer. Deception is not limited to situations in which a consumer has already been misled. Instead, an act or practice may be found to be deceptive if it is likely to mislead consumers. A representation may be in the form of express or implied claims or promises and may be written or oral. Omission of information may be deceptive if disclosure of the omitted information is necessary to prevent a consumer from being misled Acts or practices that have the potential to be deceptive include : omitting material limitations or conditions from an offer
Product: Credit reporting or other personal consumer reports

They continue to report incorrect information to Transunion. On XXXX XXXX, XXXX, I made a debit card payment in the amount of {$2100.00}, which brought my account current. However, they continue to report to Transunion that my account is 120 days past due. That is not accurate. I have filed several disputes with Transunion, yet they continue to report my account as 120 days past due. The most recent report that I pulled on XX/XX/XXXX still reflects that you are reporting my account as 120 days past due. It has been almost a month since I brought my account up to date, and they are still reporting inaccurate information to the credit bureaus. This is holding up my prequalification to purchase a home. I have called customer service and sent all of the documentation to their support department. No one has contacted me and they have not corrected their reporting. They refuse to transfer me to their " investigations '' department and the representatives insist that they are reporting the information correctly.
Product: Credit reporting or other personal consumer reports

on all 3 of my credit reports XXXX  should be listed as paid off which I did on XX/XX/year> and XXXX XXXX they got listed