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

I reviewed my updated report and not all XXXX buerors are in unison as to what needs to be removed and reported. 
XXXX XXXX is an athorized account I need removed ASAP XXXX for XXXX & Transunion should be removed as it is for XXXX as of XX/XX/XXXX XXXX inquiries as well as XXXX XXXX should be cleared off my theft report is attached and police report was sent but its still seen as well as proof that I can't even get verified to speak on behalf of the account because I'm not the person that opened it ( see attached ) 4.I asked for all alerts, statements, holds, freezes etc to be lifted but I still have them especially with XXXX and XXXX stopping me from being able to have my report pulled. I sent my proof of identity and address weeks ago and tracking says it was received I called and confirmed it was uploaded. 
XXXX, My XXXX  XXXX XXXX loan was removed from XXXX but is still not updated with Transunion or XXXX as XXXX XX/XX/XXXX I proved with LOADS of documents these should be done across all reports and it's your DUTY to make sure everything in in sync or to show me line by line law by law contact etc why it shouldn't be with you SPECIFIC agency
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request 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:XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Mortgage

1 ) XXXX XXXX Tax billed and BofA paid XXXX the amount of taxes paid per month during the life of this 9 year loan. 
2 ) BofA billed me for the additional amount. When I learned of the error, I contacted XXXX XXXX Tax who refunded ~ {$600.00} of the XXXX billed and paid by BofA . 
3 ) I notified BofA they would receive the refund, which was paid back to their billing are, XXXX who cashed the refund check XXXX XXXX and finally appeared in my mortgage statement during the XXXX week of XXXX. 
4 ) BofA began moving portions/all of my monthly payments to my escrow account. I do n't know when this began because BofA Online blocked my access to my mortgage information. 
5 ) So even though BofA has recouped my property tax payment, and even though I have never been late in making my mortgage payments, including for the current month of XXXX, BofA continues to write billing letters, generate automated billing phone calls, and have had XXXX or more call me demanding payment. 
6 ) I have belatedly learned that although not done during the past nine years, it is the practice of XXXX XXXX Tax to verify my 50 % reduction in property taxes every four years based on current income. I have asked them to notify me rather than Bank of America to preclude a similar event XXXX years hence. I have enjoyed an excellent credit rating for many years, and again, have neither missed nor been late in making a mortgage payment, so being treated as a deadbeat is something I find incredible and not at all pleasing. Any third party will quickly see the diabolical mess BofA has made of my payment history and how I have without fail made my payments on the fourth Wednesday of each month and received by Bank of America the following day via electronic transfer. The various contacts made by Bank of America began the latter part of XXXX and have continued through XXXX and into XXXX, 2015, with no relief in sight. 
Note : Contacts by Bank of America have come form numerous sources and geographical locations, including XXXX, TX, XXXX XXXX, CA, XXXX XXXX, CA, etc.
Product: Money transfer, virtual currency, or money service

I sent a zelle to a name in my phone that happened to be incorrect and it went to the wrong person. Zelle did nothing to help me fix this and just let my money go as if it did not matter to them at all.
Product: Debt collection

Called my wifes phone, misled her that it was for a job. 

I called back and phone callers repeatedly did not identify the company they were calling for. Insisted that I confirm my ssn prior to properly identifying who they were and why they were calling. 

Multiple calls with a different person each time, until I spoke with XXXX who said they were with XXXX and that they were trying to collect on a debt. 

They said this was for a XXXX  account for {$100.00} and pressured me to pay prior to posting it to the credit bureaus. 

I asked for written documentation as I dispute the debit. They were asked to provide proof of debit ownership, proof of the original debit and who it was for ( company that it was used for ). This was requested to be delivered via mail. 

They then threatened to report it to credit bureaus. I said, I have only ever had one XXXX account, and I just got a refund from it exceeding this. I believe this debit is false and will continue to believe that until they provide documentation for the debit. 

The call was abruptly ended when I declined to pay the debit over the phone for the fourth time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Report XXXX XXXX account XXXX XXXX  Original Creditor : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX status : unpaid balance : {$170.00} This inaccurate collection. Please have removed from my credit account immediately based on the Fair Credit Act of XXXX, both the original agency and credit management are in violation of my rights. I was not contacted and given the opportunity to cure and also this debt is paid in full. Please completely remove this debt from my credit report. I do not consent to this being listed on my report. 


I do not authorize inquiries to be pubic on my credit report. Please remove 2 inquiries listed XXXX and XXXX XXXX, XXXX XXXX.
Product: Checking or savings account

I am writing to file a complaint formally regarding multiple overdraft fees that were applied to my account. These fees were assessed despite having sufficient funds available when the transactions were authorized. However, I was unfairly charged overdraft fees due to the delayed posting of charges and credits. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Student loan

I asked for a deferment as I am the sole provider for XXXX children and only have a XXXX job. I work 32 hours a week and make XXXX per hour. I ca n't afford my student loans right now and they denied it but the other student loan company that I have student loans from approved my deferment. I do n't understand why. I went to the XXXX when I incurred these loans and I do not use the skills that I obtained there. I went after a XXXX degree in accounting and use those skills now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times that Equifax remove unauthorized credit inquiries that appear on my credit report that I have no knowledge of and did not authorize with approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus aren't investigating disputes. I file a dispute about 7 missed car loan payments. I had arrangements set up with the creditor to defer payments due to covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that aren't mine. The XXXX breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that XXXX and Transunion and XXXX are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a real time alert from the credit bureau that my social security was found on the dark web. On this date I pulled a copy of my credit report from Transunion and noticed that there were 4 inquires that I did not request nor did I have any knowledge of. On XX/XX/2022 I sent a Fair Credit Reporting Act, Section 609 letter CERTIFIED MAIL to Transunion exercising my right under this act to request information regarding the listed items. On XX/XX/2022 I contacted Transunion to do a follow up and a representative by the name of XXXX stated that inquires were factual information and could not be removed. I stated to him that I had mailed the certified letter and that as per Section 609, I am entitled to see the source of the information which is the original contract that contains my signature. She stated that 609 letters are not acceptable with Transunion. I am requesting that these items be investigated as that I did not request or apply for any new credit or product. I am also requesting that Transunion be investigated as to the way they handle potential identity theft or fraud. Thank you in advance for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account XXXX  XXXX  XXXX has violated my federally protected consumer rights to privacy and confidentiality, XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX XXXX  XXXX has sold this alleged debt to XXXX XXXX XXXX XXXX I did not give written consent nor was I notified of this sale on this alleged debt.. 

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: Credit reporting or other personal consumer reports

Upon checking my credit report today XX/XX/XXXX, I noticed the company Kikoff has not reported since XX/XX/XXXX. I pay for premium service. On their website they state they report monthly to all 3 credit bureaus. Reporting does depend on when you start with them but I've been with them well over a year. I'm paying for a premium service each month, they as a company should provide the service I'm paying for. It's a credit building entity. How is this building positive credit building if it's not being reported?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXXs, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I began my loan application on XX/XX/23 with Chase mortgage. I submitted all of my documents and I was conditionally approved on XX/XX/23. I remained in constant communication with the lender on a weekly basis to ensure there were no concerns at any point in the process. Our closing date with the title company was scheduled for XX/XX/23. During the process my inspection report was completed on XX/XX/23 indicating that the seller did not disclose possible fire damage in the attic. Based on this information I renegotiated the price of the house by a decrease of {$12000.00}. I submitted the new loan price and documents to Chase on XX/XX/23. On XX/XX/23, Chase lender requested information related to the decrease in price in which I provided them with the response. On XX/XX/23 I sent a follow up email related to any issues or concerns with the loan and requested verification that we were still on schedule for closing. The lender responded that I had completed everything on my end and they just needed one more form regarding the house being in a historic location. I submitted that form on XX/XX/23. My family and I flew to XXXX XXXX for the walk through on XX/XX/XXXX and the closing on XX/XX/XXXX. I received a call during my walk through on XX/XX/XXXX stating the appraisal/underwriting department was not comfortable with the information provided to them regarding the attic. I was told that they now needed a structural report stating the roof was safe. I hired an emergency structural engineer who provided me with a report on XX/XX/XXXX which I submitted to the lender at XXXX stating the roof was structurally sound and the damage was surface only. I repeatedly told the lender that they literally had 3 weeks from the time of their 1st inquiry to have me submit information but they waited until 4 days before our closing to act in this way. Needless to say, 4 hours prior to my scheduled closing, I was told our loan was denied due to XXXX concerns about the home. I have numerous emails related to all of these conversations with the date stamped. All utilities, home owners insurance, etc was already completed with the understanding that our loan was going through up until XX/XX/XXXX. The financial and emotional struggles this company put me and my family through were unacceptable. If they would have asked questions or denied my loan 3 weeks prior when this issue first brought to their attention, I could have made different decisions. Instead, I and the sellers, have been directly impacted ( as they had already moved out of the home ) and I was now in XXXX XXXX with my family without a home to close on. I had to pay for travel for me and my family, a n emergency structural report and utilities in my name for several days based on the lenders literal last minute decision. 

I want to be reimbursed for my travel, inspection and structural reports, utility payments, and emotional damage this entire process has caused me and my family. I am not sure what that would equate to, but I do not want this to happen to anyone else by this lending company.
Product: Credit card or prepaid card

Since the dawn of ages I have had issues with PayPal. I have had multiple issues within months of each other, last one them holding over 5,000 $ in my account not letting me spend a dollar until they deemed me eligible even though I had verified myself and done all necessary steps into lifting the limitation off of my account. Had to call my lawyer to resolve and they finally did. 
I rarely use them but Im having issues with my new bank account where they let me somehow overdraft XXXX . 
I am using PayPal again, receiving payments, borrowing what I can when I can from friends and family during this hard time in the world, and I usually transfer the funds out onto XXXX, my other Prepaid banking card as I never have issues with them. 

Well its been going on 48 hours of my money being on lockdown from PayPal and I have tried messaging them and I can not get through to one person at all. I dont know what I need to do but I dont have any money and its all in PayPal. I want to withdraw my funds and close the account down as I am done with them but they wont even let me close the account. 

I need help as soon as possible as we have no food and nothing to get by on until this is over and I get back to work!!!
Product: Checking or savings account

There were some charges sent to my account I warned the bank about the fraudulent charges from XXXX and the bank did nothing. So to protect my money I didn't put any money into the account or the bank would've kept paying them. Instead they attacked me like I did something wrong. Since I been with this bank treated different from other members. They keep shutdown my accounts with no warning even though the banking and union credit regulations states that I'm suppose to be warned of any suspension or impending actions against my account. They've shutdown my debit cards and now my bills connect to my other cards is not being paid. XXXX had said the charges wasn't on my apple account. But the bank fail to do the basic fiduciary responsibility for my account everything they do is to inconvenience me. I'm a XXXX XXXX XXXX senior citizen and some of the apps on my phone send my vitals conditions to my doctor office. But only this, there's an individual within this bank singling out my account. There is an award that's coming to my account and they're trying to manipulate my access to my money by using a fraudulent fraud charge on my debit cards and restrict them. Their security was sent a fraudulent flyer from ny that flyer in question is part of a federal case here in NY. Plus they allowing their bank to be used in a XXXX XXXX conspiracy and they acting as if they're not aware or been warned of the source of their false information. One time the person called the bank and falsely claimed my pension check was going to clear one of the banking reps did a 3 way call with my pension fund and was tolded that my pension check was good. This is what I mean that there an individual they're sending false information to and they're just acting on the information as if it's real and not at least waning me of asking if the information is accurate. This bank keeps attacking me like I'm doing something illegal and I'm not. Attached is copy of a fraudulent flyer put out here XXXX. It's illegal and certain individuals were posting. There's a matter here in NY about my vacation money and pension being tampered with and this person is using his influence to interfere with my payments.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX th a representative from XXXX XXXX called me and was very rude and demanding I come to the office after I had already explained to them several time that I didnt have the money to make my payment at the time. They keep harassing me calling every day and I am under a credit management company trying to get my finances straighten out. They have refused to work with my debt company, I told them numerous times I was under debt management but they still continue to harrass me about my payment. I just want the harassing phone calls to end and for them to consider working with my debt management company on this debt. When I explained to the representatives that I was doing the best I could she basically told me I wasnt and she felt like I could pay and was refusing not too.
Product: Checking or savings account

Sun trust bank has held onto my funds since XXXX after they said my checking account was being closed. Since that time period its been under review before closing the account which was already supposed to be done in a timely manner. I have called them repeatedly to get updated on closure customer service says its still under review everytime I have called since XXXX..this is obviously a serious problem with closing the account and returning my money to its rightful place.
Product: Student loan

On XX/XX/XXXX I paid the remainder of my private loan, on XX/XX/XXXX I reached out to Navient regarding a refund for the over payment of {$130.00}, I was told by a rep name XXXX that he was entering the information for the process of my refund in the amount of {$130.00}, I informed him that I wasn't able to stop the payments in time which it will be another payment amount of {$130.00} on XX/XX/XXXX, I would like both of those payments be refunded to me. I was told that it will take 7 days in order to get that. On XX/XX/XXXX I spoke with a XXXX with Navient, he stated that the rep that enter the first time made it come up invalid. At this point I would like my refund in the amount of {$260.00} be process expedited quickly as possible so I can finally be done with Navient. It's bad enough I had to continue paying on a loans from XXXX XXXX which was found guilty in fraudulent practices. This whole ordeal have been very emotional. I already lost my XXXX XXXX XXXX that can't be returned due to XXXX so I would like my refund, this matter forever closed.
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 2 out of 3 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )