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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Everything thats on my credit report is stopping me from getting a car an a house to lay my head because someone have been stealing my identity. I ask that someone please look into this. I have things in my collections thats not mine. I have looked at my TransUnion I have contacted the agency an all nothing is done.
Product: Debt collection

My first initial contact was from Legal Action Bureau on XX/XX/2018 saying that XXXX XXXX XXXX was coming after me for lack of payment. The debt collector stated that if I didnt pay the owed amount within a 24 hour period then I would be subject to my credit score being  docked 50 points, assets being seized and garnished. He told me 3 different dollar amounts that would satisfy his client ( XXXX XXXX XXXX ). I told him I wasnt good with any of the options and that I wanted his info for a cease and dsist order and verification of debt. He told me that was not necessary and by law he had to stop. I didnt get any letters or information for 2 weeks and got a call on XX/XX/2018, I told him I was at work and didnt have time and hung up. He then sent me 3 consecutive text stating that he sent me an email. I then checked my email and saw n attachment with a contract from XXXX XXXX XXXX ( which is a docu sign with my name misspelled and signed ) I told them I wanted to see a copy of a paper contract that supposedly signed but never got it. I then recieved a call on XX/XX/2018 around XXXX XXXX from a different number for Legal Action Bureau and again I told him I was busy at work and did not have time and them hung up on him. He then called me right back and said that he was going through with affecting my credit score and taking legal action against me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX  I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXXXXXX Balance : {$24000.00XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit reporting

They sent me back info saying it will not be removed and it was not investigated
Product: Mortgage

I received an escrow analysis in the mail from my mortgage company, Freedom Mortgage, dated XX/XX/XXXX. It informed me that there is an escrow shortage of {$18000.00} on the account. This is the only notification I received. This shortage is fromXX/XX/XXXX and XXXX. I bought my house in XX/XX/XXXX I was told by a representative from Freedom mortgage that the shortage is from property taxes that were underestimated but that they have already paid them and need me to reimburse them. My regular mortgage payments were {$1900.00} monthly and starting XX/XX/XXXXI will have to pay {$4100.00}. I ca n't afford to pay that amount and I feel that it is unfair to make me pay the {$18000.00} when I was not notified.
Product: Student loan

I am enrolled in the XXXX plan and due to the court 's injunction was placed in general forbearance. The studentaid.gov/announcements-events/save-court-actions website states under this general forbearance you do not have to make your monthly payments on your student loans, and interest is not accruing. On my nelnet account it shows that I am in general forbearance, but it also shows that interest is still accruing. I called them on XX/XX/year> at XXXX and asked why my account was showing interest is accruing when it should not be. The agent told me she would check to make sure the forbearance plan I was on didn't accrue interest. She confirmed that I was in general forbearance and that no interest would accrue while in this forbearance until there was a ruling in court about the save plan. I explained that my account showed interest was accruing though, she said they can't remove it and that it might be removed at a later time but that it depends on the outcome of the ruling. This directly contradicts the general forbearance plan I am on where interest should not be accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years back I had some misfortunes, and got involved in debts. In XXXX XXXX, I had a phone call from XXXX XXXX from XXXX XXXX XXXX, who assured me they would help me get out of debt fast. For this They would require {$410.00} a month. I agreed and the money started flowing out of my acc. to theirs. In XX/XX/2019, because of the harassment of my debtors, I called them and ask them how long it would take for me to see results. The answer was maybe two years. At this time I told them I couldn't do that and to send me my money back. They agreed and three weeks later I had no news from them and no money. When I called again, I spoke to a Mr. XXXX who assured me I would get my money soon. Two weeks later I received a check for {$540.00}. I sent them a letter stating that this money was 1/4 of what I had paid them for nothing, and to explain how was the money used, I mean they did nothing. To this date I have had no answer to my letter, nor my calls. 
My question to you is, how can you help me stop this people take nave older persons, ( I'm XXXX years old ) for all the money they don't have? Like I have stated I'm still waiting for their response.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when the transactions were authorized, I was charged fees due to the 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: Debt collection

Talked to 2 incredibly rude people today with NH/NE credit services. I was told they could not prove the original debt took place. Told me that I had to prove I did not have a medical procedure done or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my credit report on five separate occasions. They won't give me a report, I am being denied credit and being denied access to review and correct my report. Transunion refuses to let me review and dispute inaccurate information. I am being held XXXX by this unscrupulous credit bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires on my credit report that are not factual information these do not belong to me! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted multiple dispute to verify discrepancies throughout my credit report file. Multiple items showing reopened when they were closed prior as well as requesting verification on all collections, charge offs. No response from transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

( ( ( ( ( stop editing my words. so not even me the writer cant understand. What I wrote, because someone is deleting parts of my statement ) ) ) ) ) I noticed there is some illegal activity 's on the summary of my credit report, that where not intended to affect my credit score. I also notice the confusing affect of calling the summarys score factors. Summary 's are not ment to be used as score factors. Why are these fake factors now effecting everyones ( scores ) that, is not the only illegal thing happening to my self, its everyone. That I have coached. here is one For example : in my case ( age of credit ) is saying that 10 years is to low and I need to have 10 accounts with over 20 years each. That is impossible to achieve these claims because you would have to be alive for over 220 years. In order to accomplish that?. # 2 For a loan balance that is to high for after a person has paid off over 40 % of principal and it is actively decreasing a persons score by 44 points which again is not suppose to happen. As I have explained to them I understand how things works like age of credit now calculate on average because the consumer has figures things out or because I have found out how things work. As if the purpose is to keep us consumers in the dark so that they can manipulate our credit how they choose. In the name of greed.? ( I have copied this to compare. ) and send to the White House
Product: Mortgage

The delinquency in XX/XX/XXXX mortgage payment as reported by RoundPoint on my credit report is unfair and false. An amount of {$2800.00} dollars was paid but was held at a suspense account by RoundPoint, as it deemed the payment was short by {$300.00} dollars and chose not to apply to the mortgage, of which the monthly principal and interest portion is only {$1700.00} dollars. 

This {$300.00} dollar shortage was due in part to RoundPoint who conducted a second XXXX XXXX in XXXX ( and 3rd time in 13 months! ) on XX/XX/XXXX but did not mail out the result to me. The monthly payment increased effective XX/XX/XXXX from the previous amount of {$2800.00} dollars, which I had always scheduled autopay thru my bank and was always on time. I do not agree with the practice of RoundPoint putting the {$2800.00} I paid in XX/XX/XXXX in the suspense account and called me delinquent ; there was no homeowner insurance or property tax due during this period of time, and there is money in the escrow account. The principal and interest total of {$1700.00} should have been applied accordingly to the mortage, and RoundPoint should have simply notified me of the shortage in the escrow portion of the payment and I would have been more than happy to make up the difference the following month. 

This is NOT the company I originally chose to do business with but instead the XXXX or XXXX company my mortgage was sold to. When RoundPoint bought my mortgage in XXXX, it tried to wreak havoc by not notifying my homeowner insurance carrier in a relentless attempt to sell me their insurance! Please seriously look into their overall business practice, as there are definitely more displeased homeowner consumers out there than me that are serviced by RoundPoint!
Product: Credit reporting or other personal consumer reports

Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX a XXXX XXXX  account was open in my name for XXXX. This XXXX jewelry account is inaccurate its not mines and I didnt open it.I lost my wallet in XXXX also my info is on the dark web according to experian. They couldnt have used my current ID because I have it if an ID was even used because I have a fraud alert on my account and didnt even receive a call to my telephone number before they ran my credit. I paid a few payments simply because I did not want it to effect my credit score. I thought this would be resolved by XXXX but it isnt. I contacted my credit bureau and still nothing they arent assisting me because XXXX is stating the information is accurate, this been going on for a year. I need some assistance. I have never been late on a payment ever this fraudulent account is coming into my livelihood. I shouldnt be responsible for a fraudulent account.
Product: Bank account or service

UPDATED VERSION - Please use this instead of Case number : XXXX PNC Bank Small Business Account customer goes into the negatives. Instead of notifying the customer and waiting for the customer to pay, the bank sends a vague email notice ( without specification of amount ) that the account is overdrawn the day after the overdraft occurs. An overdraft fee is charged. The next day an email clarifies the amount of overdraft and indicates a fee has been charged. An XXXX overdraft fee is charged. For the following two business days overdraft fees continue to be charged for the SAME overdraft. This is ridiculous. The bank does not give notice to the small business owner and the bank continues to charge fees without notice of subsequent fees. The icing on the cake is that said PNC Bank Small Business Account Holder is NOT enrolled for Overdraft Services, although, PNC appears to charge said Account Holder as such. Instead of returning the item unpaid ( a mere {$12.00} fee, see p. XXXX PNC Service Charges attachment ), PNC can make an extra {$24.00} per charge if they charge us an overdraft fee at {$36.00} ( which we are not enrolled in ). This is a clear UDAAP concern. 

I would like to see a public enforcement action against PNC for these practices. Some of the results I would like to see from this enforcement action against PNC include : public apology and acknowledgement of unfair, deceptive, abusive acts and practices against small business owners ; donation to the SBA ( Small Business Administration ) for the purposes of educating small business owners on how to manage finances while managing a business with little help ; and free financial education seminars in all states where PNC operates. 

This is the fourth or fifth time that we have had experience with PNC and it needs to stop. To make this worse, one of the members of this XXXX is a Servicemember. CFPB - please pursue a public enforcement action against PNC so they can get their act together. Thanks.
Product: Money transfer, virtual currency, or money service

Removed the ability that used to exist to link personal bank account to XXXX. I have no way to send money to people who don't use XXXX.
Product: Credit card or prepaid card

CITI BANK CRDIT CARD REPLACEMENT PROMISED WAS NEVER RECEIVED FO OVER A MONTH. I CALLED CITI CARDS ALMOST EVERYDAY TO FIND OUT WHAT HAPPENED O MY CARD. THIS BANK OVER & OVER AGAIN TOLD ME ME THAT IT WILL ARRIVE IN TWO BUSINESS DAYS, NEVER HAPPENED.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I had an unexptected job loss. Lending Club said they can do a 3 month hardship plan. I only had to pay {$120.00} for XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. I was out of money due to unemployment running out. In XX/XX/XXXX, my unemployment came in 1 day later than the due date. When I went to make the payment, Lending Club said that I was in collections and I had to make up the 3 months of payments ( approximately {$1000.00} ). I did not have a job yet. I finally got a job XX/XX/XXXX, but my first paycheck was in XX/XX/XXXX. Lending club did n't disclose to me that I would have to make up the 3 months of payments when the hardship ended. I was given different information from different representatives. They reported a 90-day late on my credit. I made small payments and ensured them that I would catch up the payments. I have since paid them off ( XX/XX/XXXX ), but I am having trouble with potential employers because of my credit score due to the 90-day reporting. All I ask is that they remove the 90-day reporting because I was cooperating with the little money I had and I was misinformed.
Product: Credit reporting or other personal consumer reports

Discover Bank had sent me a 1099-c but they are still reporting to my credit report A charge off is considered income according to the IRS Income is forbidden to be on a consumer report according to congress ( 15-usc16812ai ) no transaction or to be on a consumer report. I want this removed from all 3 credit bureaus I have asked them to remove it they told me no so now im coming to CFPB TO TAKE CARE OF THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



8. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

9. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent a cease and desist to Experian via USPS certified mail # XXXX which was delivered on XX/XX/2022. In my cease and desist I demanded that they remove numerous information and accounts that were unverified from my Experian credit report. Experian responded via dispute results # XXXX and # XXXX in which they stated that the information in my cease and desist was verified. I requested a full description of the methods and procedures used in their reinvestigation pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ), my request was sent via USPS certified mail # XXXX and was delivered on XX/XX/2022. Pursuant to 15 USC 1681i ( 7 ) ( A ) a consumer reporting agency shall provide to a consumer a description of the methods and procedures of reinvestigation upon request by the consumer no later than 15days from receiving a request for description from the consumer. It has now been XXXXdays since my request for description was received by Experian, and I have not recieve a detailed description of the methods and procedures used to verify the information on my Experian credit report. Experian has also continue to defame my character publicly by continuing to report the information and accounts in my cease and desist.
Product: Checking or savings account

I open up an Albert account for a while time now, I have verified the account with my ID and everything. And everything seems alright, I have my ATM card with me. 
The link is up with my employee for direct deposit for the month of XXXX payments. 
And my employee sent my payment into my Albert account of {$5800.00}, the next this was I got an email saying I should verify my account, I was worried about why are they asking me to verify my account again after they received my payment.??? 
Then in the process of verifying my account with them, that same day I got the message that they have suspended my account and they have closed it up. Wow just like that? 
I reached out to the customer service via text, they are the most useless service in the state. 
All they are telling me for the past 10 business days is they cant be of help, there is nothing to do about my funds in the account, and they can not help me. 
I asked them to return my funds back to the employee, so then they can close up the account. But all their response was there is nothing they can do about that. 
My question is why will you suspend my account in the process of verification after I have done verification months ago? 
And why won't you refund my funds back to my employee? 
It is over 10 business days and I see that want to steal my funds from me. 
Albert corporation gives me my funds back., that is all I want. 
And the Government body should shut them down.