23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Friday XX/XX/2024 I noticed a series of unauthorized transactions on my account and did my due diligence and called my bank I was on the phone for over an hour I was transferred to the XXXX department who told me an investigation would be opened I then called back on XXXX  XX/XX/XXXX this time I was on the phone over XXXX minutes I was transferred to the disputes department who informed me there had been no disputes opened they then proceeded to open the disputes for me the next contact I had was an email saying they had restricted my account because they detected unusual activity and requested I call them which I did the call went through to the loss prevention department who informed me my account would be closed and I inquired about my disputes I was hung up on and then called back just to be hung up on XXXX more times on XX/XX/XXXX I received an email that the disputes were closed per my request I made no such request so on XX/XX/XXXX I called again the disputes department who reopened my disputes this bank has not followed the regulation e law at all first of all if my disputes had not been closed I would have received a provisional credit already but since the bank does not adhere to the law at all even if that had happened I would not have been able to access my funds they are openly violating my consumer rights and obviously dont fear any consequences in doing so I have no doubt that they will once again close my disputes and deny my consumer rights
Product: Credit reporting or other personal consumer reports

Tried to unfreeze account with experian. Initially was successful but when credit union looked to verify they were unable. Despite the fact that automatic phone access stated credit was unfrozen credit union was unable to access. Multiple attempts to access information through website and by phone were unsuccessful. Despite claims I should be able to unfreeze on website all it will allow me to do is sign up for a free credit report. No alternative to talk to a human to correct things.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 items. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX MOT XXXX Balance : {$0.00} Bankruptcy Chapter XXXX XXXX Date Filed XX/XX/year> Docket Identifier XXXX
Product: Credit card

I attempted to make a credit card payment for {$150.00}, XXXX payments were submitted : XXXX for {$140.00}, and XXXX for {$150.00}. I immediately called PayPal to correct the payment and was informed there is no possible way to correct a double payment. I only submitted and authorized XXXX payment for {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX customer For almost 28 years. I have been paying my mortgage on time regardless of my hardship. I have two mortgages and two homes that are financed through XXXX XXXX Bank. In the past 28 years XXXX XXXX has sent my home to foreclosure without helping me to modify it to a better interest rate. I still made my monthly payment on time regardless of my hardship. I have excellent payment history on both of my mortgages but yet XXXX XXXX is reporting me 30 days late In XXXX of 2014. I tried to dispute with Experian and XXXX  and XXXX  unfortunately the problem was not fixed. Now I am forced to file a complaint against XXXX XXXX Bank for all their wrongdoings including destroying my credit while I've been a loyal customer. My loan has been transferred to another servicer. 
I am trying to refinance my house but the 30 days late is destroying my credit score and I can not get a reasonable interest rate based on my excellent credit history besides the 30 days late. 
XXXX XXXX knows that I am a registered nurse working at XXXX XXXX 40 + hours taking care of covid patients I don't have time to waste removing this late but I have no choice at this time because I have to refinance and provide for my family a safe home
Product: Credit card

My debit card was stolen when I was at a XXXX XXXX in XXXX on XXXX XXXX, 2015. I paid to have my nails done prior to receiving service and my wallet ( onkly containing the debit card and license XXXX were XXXX stolen. I did not realize the wallet had been stolen because it was taken out of my purse and my purse was not stolen. When I discovered that it had been stolen, I immediately reported it stolen on XXXX XXXX, 2015 and got a new license. My fraud claim to the bank ( BB & T ) was denied because they feel like I did not have enough evidence. I have since filed a police report about the charges which were made in another town XXXX XXXX, NC XXXX totaling {$2400.00}.
Product: Debt collection

I called Conn 's and was redirected to the third party agency that my account had been transferred to. The third party told me that Conn 's had agreed to settle my account and the account would reflect paid as agreed. The third party also told me that the account balance would reflect XXXX. Conn 's is still reporting that I owe XXXX to all 3 credit bureaus. I tried to dispute the amount owed and Conn 's "  verified '' that I owed them money. I contacted Conn 's and sent them the settlement agreement showing that Conn 's agreed to settling the account and after I paid the settlement that account balance would be XXXX. Conn 's ignored the letter that I emailed them back in XXXX. I called and spoke with a representative and and supervisor and they both said that I owe the amount that is due. I told them that I will be submitting a complain because they have blatantly ignored the email that I have sent them and have refused to reduce the balance to XXXX as agreed per the settlement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Us Dept. Educatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The list of accounts above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a purse share, not furnish any information related to a customer to any custom report agency , if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

Hello I leased a used car through XXXX XXXX XXXX sales XXXX Tn. I purchased this with a credit lender Credit Acceptance back in XXXX. This loan was supposed to only be a {$8000.00} loan which the total of the car was {$6900.00} with the Lender giving the funds would equal an extra {$2000.00}. The loan now totals a {$18000.00} loan which I feel I have WELL over paid for this car which is a XXXX XXXX XXXX the remaining balance is {$6000.00}. The day that I purchased the car the car lot initially told me I would only need {$2000.00} down but I did end up giving a little more so that I could have a lower monthly payment. Which is actually far from the truth because the money is going towards interest and not the actual amount I owe. I have been paying this car off for almost XXXX years and when I went to pay off the remaining balance that my interest rate was 22.3 % which was never agreed on! I dont know how a {$7000.00} car is worth {$18000.00}! The lending company refuses to allow me to pay off the remaining balance. I have tried reaching out to multiple managers to settle my debt with them. Each month they are adding extra fees when I have well OVER PAID this car off. The car lot has now since went bankrupt and I have no way of refinancing or anything with this company. I am just wanting to settle with the company I have paid what the car is worth plus some. If there is anyone able to help me settle this dispute or if there is any refinance options please.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS 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 items. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/year> Docket Identifier XXXX
Product: Credit reporting or other personal consumer reports

It is still current on my credit after they sold the debt to a 3rd party which is illegal under the fair credit act. 
They have PUNISHED MY CREDIT BY DROPPING MY SCORE BY XXXX POINTS AT A TIME EVERY TIME I CONTACT THEM TO ADDRESS THIS ISSUE. THEY NEED TO PRODUCE MY SIGNATURE ON DOCUMENTS THEY ARE ACCUSING ME OF OWNING! WHEN I HAVE CONTACTED THEM THEY HAVE BEEN VIOLENTLY RUDE TREATING ME WITH DISGUST AND CONTEMPT AND HAVE HUNG UP ON ME AND THEY STILL HAVENT COMPENSATED ME FOR THE FIRST LAWSUIT MY IDENTITY WAS INVOLVED AND I FILED THAT COMPLAINT!
Product: Mortgage

I sold my current house an paid my loan off to Ditech. The title company ended up sending the check to the wrong address causing the payment to be XXXX days. I was n't informed till after the XXXX days that they did n't receive the payoff. I am now trying to close on my new house and ca n't because of the XXXX day late they refuse to remove that was n't my fault. The title company sent it to the wrong address they provided. I am now paying fees for my current builder to continue to hold home.
Product: Mortgage

On XX/XX/XXXX a Substitution of Trustee was filed with the recorders office by California TD Specialists on behalf of XXXX XXXX  because of a revolving line of credit that was taken out with XXXX XXXX XXXX ( Which was siezed by the FDIC ). We included this revolving line of credit on our personal BK ( Chapter XXXX ) in XX/XX/XXXX.
We also included the home in the BK and also included that the home was backwards at the time of the BK. We just recently found out that the Judge requested our Attorney to submit more document proof in regards to the value of said house. ( Which he did not ) In XX/XX/XXXX The note for the revolving line of credit was sold to XXXX XXXX  and we explained to them what had happened and they wrote off the debt and we did not hear from anyone for over 7 years.
Then the note was sold to XXXX XXXX, we spoke with them telling them the same story, and sent reporting documents as such. They said they would get back to us. Then we started to receive invites from foreclosure help vendors. We then called XXXX XXXX and they will not return our calls.
We then received notification from their Attorneys, I called them they said they could not speak to us, that we needed to call XXXX XXXX, I explained to them that they are not answering us, they had no further direction offered.
We have contacted Senator XXXX 's Office and are seeking counsel but we are trying all areas to save our house we have liven in for over 20 years.
Product: Credit reporting or other personal consumer reports

The Federal Trade Commission and the Consumer Financial Protection Bureau ( CFPB ) obtained a settlement that will require credit reporting agency Trans Union LLC and a subsidiary to pay a total of {$15.00} XXXX to settle charges they failed to ensure the accuracy of tenant screening reports by including inaccurate and incomplete eviction records about consumers, hampering their ability to obtain housing. 

Yet, Trans Union continues to be in business with power to dictate who gets the " XXXX XXXX ''. In order to obtain knowledge of my credit score, I need to pay a fee. Statistically, under the XXXX XXXX, it is a known inflation that is hurting Americans, especially XXXX Americans, yet, we have to solely rely on credit reporting agencies such as Trans Union to give us fair credit reporting for a fee.
Product: Debt collection

In XXXX of XXXX, I received a non-itemized bill in the mail from XXXX XXXX XXXX for over {$2000.00}. I immediately wrote a letter directly to XXXX XXXX XXXX at their headquarters in Louisiana disputing the bill and asking for clarification on what service they supposedly provided. I never heard back from them. 

In XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX seeking payment of {$2000.00} on behalf of XXXX XXXX XXXX. Again, I immediately wrote a letter to XXXX XXXX XXXX XXXX disputing the bill, asking for clarification on what the bill could be about and included the original letter I sent to XXXX XXXX XXXX. I never heard from XXXX XXXX again. 

About seven weeks ago, XXXX XXXX notified me that someone had placed a collection on my account. The collection came from Amsher Collection Services and was on behalf of XXXX XXXX XXXX. Amsher Collection Services never contacted me prior to them placing this collection on my account. Upon finding out about the collection on my account, I sent a certified letter to Amsher Collection Services disputing the claim again and demanding they take the collection off of my account since they hadn't followed the guidelines set out by Consumer Financial Protection Burearu. Amsher signed for this certified dispute letter on XX/XX/XXXX. I have yet to hear anything from them. 

So I am filing this dispute with your agency in hopes of ending this matter. Amsher Collection Services and XXXX XXXX XXXX have both failed to follow XXXX  guidelines for debt collection and have failed to even establish what service they think they performed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX  XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Account Inconsistencies and Request for Immediate Action Dear CFPB, I am writing to express my ongoing concerns regarding an account and to request a thorough review. Despite my previous attempts, I have been unable to resolve the numerous inconsistencies and obtain proper verification. 

Upon reviewing my credit report on XX/XX/2023, I discovered that XXXX XXXX ( XXXX ) reported varying high balances : {$320.00} with XXXX XXXX {$0.00} with Experian , and {$120.00} with XXXX XXXX I question the validity of these amounts, as they differ among reporting agencies. This issue has persisted for three years, despite my repeated complaints to both the bureaus and the CFPB, including case number XXXX. 

I kindly request the immediate removal of this company and all associated information from my credit profile. 

Thank you for your prompt attention to this matter. I look forward to a resolution.
Product: Credit reporting or other personal consumer reports

I have contacted Experian several times regarding accuracy of XXXX XXXX XXXX  loan account. Account is fraudulent. I am requesting original signed document matching with my current valid address. Request to remove exter finace account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I purchased my first home in XXXX XXXX, WA with a mortgage from Boeing Employee Credit Union ( BECU ).

As part of the mortgage, I setup a savings account, and setup Autopay to have my monthly dues automatically withdrawn from the checking account. Please note that I opted NOT to pay for insurance and taxes from an escrow account when setting up the mortgage. 

Fast forward to XXXX, I moved to a new city but kept the house in XXXX XXXX. Immediately upon my move, I changed the mailing address tied to my BECU accounts from the website. I had not realized at the time that BECU Mortgage kept separate addresses on file even though all records are accessed through the BECU banking website, and because of this, the mailing address for the BECU mortgage account was never updated. 

Sometime in mid-XXXX, I switched to a different insurance company for the XXXX XXXX property and informed BECU of the change as instructed by the new insurance company. However, sometime in late XXXX, I received a phone call stating that I was behind on my mortgage payments. 
Several phone calls later, and upon closer review of my account, I found that BECU force-purchased insurance claiming that I had not submitted proof of insurance. Because of the insurance that was purchased and the escrow that was created for it, my monthly dues had gone up, and the amount I had setup to for Autopay was just short of the new dues. 

While this was happening, BECU apparently mailed me notices to my old mailing address on file but never once contacted me over the phone until way late in the game. BECU also just held on to my monthly payments without processing them nor issuing a refund. 

In the end, I immediately paid the overdue amount and submitted proof to BECU after which they issued a refund for the insurance and associated fees. BECU also processed all of the funds that they were holding from payments they hadn't processed, so currently I am actually 3 months ahead of schedule in my payment. 

However, despite all of the above, my credit report still reflects that I had two major delinquencies in my payment which not only impacted my score, but have caused lenders to deny my refinancing application which will end up in tens of thousands of dollars in lost opportunity cost. 

I had filed disputes with all three insurance companies to no avail, so I'm asking CFPB to please step in and get this corrected as I have not missed a single payment.
Product: Debt collection

In XXXX, I had a XXXX XXXX XXXXredit card and the debt was sold to Portfolio Recovery XXXX XXXX PRA ). I spoke with PRA and they threatened to sue me and filed a court judgement against me in New York.
Product: Checking or savings account

On XX/XX/year> at around XXXX my wallet was stolen at a very crowded bar. I found out in the morning at around XXXX when I woke up to multiple charges on my debit and credit cards. I immediately called Wells Fargo and let them know that my wallet had been stolen and multiple charges ( adding up to {$460.00} ) had been placed on my card at multiple XXXX and some ice vendors. Even while I was on the phone with the Wells Fargo representative charges were still trying to come through. I filed a police report as well and sent that to Wells Fargo. Weeks later I received a letter from them letting me know they would close the case, I called and asked if they needed anything else and why the case was closing, they told me it's because I couldn't provide the name of the person who did the unauthorized charges. I told them if I knew the name of the person who stole it I would've let the police know and they apologized and said they would go ahead and close the case.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX  XXXX. Account # : XXXXXXXX XXXX XXXX. Account # : XXXXXXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

XXXX XXXX XXXXXX/XX/2022 have been paid in full its refused to be removed off my credit report. XXXX XXXX $ XX/XX/2022 I have not used XXXX services. XXXX XXXX XXXXXXXX $ also needs to be disputed I did not use these servicesXXXX XXXX XXXX is saying I owe XXXX $ someone was using my services after I moved out the property.