23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company robo-called me 36 times in 10 minutes. I would not pick up and they continued to call back over and over again
Product: Debt collection

XXXX has a complaint against it. This is to re-apply a complaint against XXXX in case I have failed to do it properly the first time around ( mentioning all the parties to the matter in the original letter instead of just XXXX ). 

Negative reporting of not paying a debt which I paid to the wrong XXXX XXXX XXXX account on their XXXX XXXX XXXX XXXX ( debt buyer credit account ) that belonged to another credit account supposedly that was a debt buyer as well, known as Amex Standard formerly XXXX XXXX XXXX. The consumer should have been informed it did n't belong in the paid up account known as the XXXX XXXX XXXX XXXX, former grantor XXXX XXXX XXXX, and sent back to her timely. Instead it was wrongly transferred to Amex Standard after the cut-off date and I was found to have not paid the credit account. After several credits, the debt reappeared in the automatic system as owed with fines and late payments. When I could no longer figure out what I owed, I stopped paying any debt. I phoned, Emailed, and wrote complaints to no avail. The debt buyer never tried to honor consumer rights. It has no signed agreement from me, and no documents either.
Product: Credit reporting or other personal consumer reports

What want to update my personal information on my XXXX, Equifax, and XXXX Credit Report. Attached is my second requestion. See complaint in the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the collection account from '' XXXXXXXX XXXX XXXX  '' in XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 for Consumers energy account is is not my account. I do not owe this company. Please Enforce this company to re-investigate properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX is showing on my credit report. This debt is older than 7 years but XXXX, TransUnion and XXXX  continues to report it. Dates keep changing. When will it ever come off of my report??? Ive had an issue since day one when the salesman lied and told me that with my trade in I was going to receive a special of 90 days no payments due only to find out that wasnt true which made my first and second payment late. Can you imagine your very first and second payment being past due? I thought I had 90 days! So I was playing catch up from day one. Then they signed me up for every extra service and charge known to man.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Exeter Fin. pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX  and Exeter Fin. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. please remove! Pursuant to 15 usc 1681 ( a ) ( 2 ). Reports must be in accordance with Consumer
Product: Checking or savings account

My Bank of America EDD checkings account was hacked, and someone transferred XXXX on XX/XX/2020 to XXXX XXXX ( ref # XXXX XXXX. 

I called Bank of America, who said a credit would be posted as they contacted the bank, but I have not received the credit
Product: Debt collection

They keep calling and iv asked them to stop so they threatened legal action against me.
Product: Mortgage

PLEASE EXPEDITE RE : NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX This communication is forwarded in Requesting your assistance in helping me save my home due to a questionable mortgage. On XX/XX/XXXX Nationstar Mortgage submitted a copy of ORIGINAL NOTE/ORIGINAL MORTGAGE along with the following : Questionable Facts : XXXX MORTGAGE SUBMITTED BY NATIONSTAR 1.Mortgage Settlement Date on Instrument : XXXX XXXX SEE EXHIBIT A 2.Mortgage Settlement for Refinance on Instrument : XXXX SEE EXHIBIT A 3.Denial of Loan Modification based on questionable discriminatory words. 

" WE WILL NOT ACCEPT OBAMA MONEY '' These were indeed the words stated by Nationstar ' attorney on XX/XX/XXXX via his phone entrance. The room went completely SILENT. Nationstar ' attorney would NOT engage in any dialogue regarding the modification of my mortgage. XXXXMy Court ordered modification meeting ended with XXXX XXXX XXXX XXXX XXXX XXXX " We will report you to the Attorney General ''. PROBLEM : My legal Representative reported only the fact that Nationstar REFUSED MODIFICATION and NOT " We will Not Accept Obama Money ''. And Why? SEE EXHIBIT B FACTS : Mortgage Settlement Statement/Evidence : 1.Mortgage Settlement Date : XX/XX/XXXX SEE EXHIBIT C 2.Mortgage Settlement {$130000.00} SEE EXHIBIT C 3.CASH from Settlement {$53000.00} SEE EXHIBIT C XXXX ADDED TO MY MORTGAGE-?????? 
How did this happen? In retrospect, I never received a copy of my mortgage. I would receive a phone call from XXXX Wide Mortgage welcoming and advising me they purchased my mortgage and were having problems getting my paperwork. At that time I requested a copy of my mortgage, however I never received a copy. And the failure of my legal team is unbelievable, but, I will NOT stop fighting. And yes I filed XXXX XXXX twice and ruined my credit for I am seeking XXXX. I am a XXXX American and live with a XXXX  XXXX and placed my Trust in a financial system that has wronged me and too many Americans have lost faith in the American System. Please assist me to FIGHT this WRONG. 
XXXX XXXX XXXX PLEASE EXPEDITE
Product: Credit card

Hi, This is XXXX XXXX. I am the owner of XXXX. 
6 month ago someone stole my reward check from Bank of America and deposited it to one 's own account in your bank. 
I called both bank dozen of times I could not receive my check but the copy of it. 
Bank of America called it is your responsibility to give my check back, and XXXX XXXX called Bank of America is responsible for this. 
It is not understandable that neither of bank can not solve or even help me to get my {$700.00} back. 
I understand customer, who is the thief for me, deposited my check to XXXX XXXX XXXX, but why not it is responsibility of XXXX XXXX XXXX? If it is not XXXX 's responsibility, tell me how to report to Bank of America so that Bank of America take the full responsibility and give my check back. 
I am attaching the letter that shows someone took my check and deposit to XXXX XXXX XXXX. 
Thank you. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equfax is furnishing wrong information on me and when I dispute they wont take it offThis is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal info shows a bunch of different names and addresses reporting. the only name should be XXXX XXXXXXXX XXXX all other names are incorrect and false these are the names that are wrong XXXX XXXX XXXX XXXX ll XXXX XXXX XXXX all off the wrong names that are not XXXX XXXX XXXX is attached to accounts not mine please have these names removed
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I emailed a person who claimed be a XXXX  XXXX Season Ticket Holder who wanted to sell four tickets to Game XXXX of the XXXX XXXX XXXX at XXXX XXXX in Washington, DC. I emailed that I was interested in purchasing tickets for me and my wife. 

The next morning ( XX/XX/2019 ), I received an email from the seller, requesting a phone number to contact me. I provided my phone number and my wife 's phone number to make sure he could contact us. Later on that afternoon, I received a text from the phone number XXXX, wanting to confirm he had the correct number. I replied that he had the right number, and we were interested. I also asked him if all four tickets were available, and he replied that they were. I asked to confirm if the price for all four tickets were {$1600.00} ( he claimed in the ad that the tickets were {$400.00} per ticket ), and he confirmed. I asked him for verification, and he provided screenshots of a XXXX account with what he claimed were his group 's seats. The screenshots appeared legitimate, and I asked him how I could pay for them. He asked if I had a PayPal ; in which I responded that I did. He asked me for a PayPal email address, which I gave him, and then sent me an PayPal email request, but asked me to send payment through the " Friends and Family '' option so he would not be assessed any fees. I obliged, not understanding that I was unprotected making payment this way, and when the PayPal request came, I sent payment through PayPal. 

I let him know that I sent payment, and he said that he would check his account when he got home ( he claimed he was on the road ). Later, he sent me a screenshot of his PayPal account with a message stating that he would receive payment in 24 hours. He followed up the text by stating that he would send the tickets in the morning once payment was received, and that the tickets were officially off the market. The next day ( XX/XX/2019 ), I did not see the tickets in my email, but figured that maybe he had not received payment yet. He texted me in the middle of the day asking if I was available, but I was not able to get to my phone right away. As soon as I noticed the text, I asked him if everything was okay with his payment, and he responded that he had not received it yet. I called PayPal to find out what was going on, and they told me that he should have already received payment. I texted the seller back, and let him know that PayPal stated he has his payment. He asked to see if the payment arrived, and I never heard back from him afterwards. After a couple of hours, I realized that I was scammed, and looked in my bank account, whereas the money had already been transferred.
Product: Student loan

Ive been trying to set up autopay with Edfinancial to get the interest rate reduction and they keep telling me there is a glitch in their system and IT is aware of it. When I read previous complaints, people have been complaining about the same thing for the past five months. This is unfair as this sounds like they dont want to give the interest reduction
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I submitted a dispute with Experian XX/XX/2019. I disputed bankruptcies that came back as " VERIFIED '' and would be remaining on my credit report. I inquired as to what source was used to verify this information. I was informed they used XXXX to " VERIFY '' the info on my file. I then reached out to XXXX to initiate a dispute to the bankruptcies reporting to my consumer file. After 90 days XXXX sent me a letter stating that the files would be deleted from my consumer report & that they would notify ALL credit bureaus that the accounts would be deleted ( see attached ). On XX/XX/2019 Experian removed bankruptcies from my credit file but have since placed the same accounts back on my credit report as of XX/XX/2019. All three bureaus have violated the FCRA rule by reporting and " VERIFYING '' information from 3rd party vendors and not directly from the reporting vendor/source. Nevertheless according to the attached letter from XXXX the information has been " DELETED '' from their file and should be deleted from Experian, XXXX, XXXX. To date this information still remain ....
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX : {$0.00}.
Product: Debt collection

Several months ago, my XXXX cell phone XXXX was hacked and for two months I had charges of over {$5000.00} on my bill. Now I am a XXXX year old senior citizen who never texted, and rarely even used my phone, and my phone bill rarely exceed {$55.00} a month. After two months of back and forth with XXXX the charges were determined to a result of someone in the XXXX, area, where I have never been using several numbers on my account. I have lived in XXXX for XXXX years. When all was said and done, XXXX sent me a bill for {$110.00} which I do not owe. I have since moved on to XXXX. In addition to letters and a recent phone call from Sunrise Credit Services trying to collect this debt. I do n't need this harassment at my age and fixed income.
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 have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account
Product: Debt collection

Dynamic Recovery repeatedly called my home. NEVER did they state who they were trying to reach. Dynamic stated that they were a debt collector and to call a number. 
When I finally called the number I asked why they did not address who they were trying to reach, and I was told it was " legal '' and when I pressed the issue, I was hung up on. 
I called immediately back and spoke to person identified as XXXX XXXX. I stated that I was hung up on, and if he did so I would file a complaint. In our short conversation, when I gave him the phone number, which I consider private information, he stated that the call was for a " XXXX XXXX ''. I have had this number for 10 years. I do not know XXXX XXXX. I stated this fact, and asked him why Dynamic could not simply state who they were calling for. He became rude and defensive, talking over me, stating that this number has been " removed ''. When I asked him why MY TIME was wasted calling, for no good reason, he hung up on me.
Product: Checking or savings account

While my complaint doesn't 'fit ' exactly within the parameters of the fields I 'chose ' for this complaint, I believe that it would still fall under the purview of the CFPB. 
In XXXX of last year, i.e., 2022, I closed accounts with Ally Bank. I earned more than {$10.00} in interest combined between my checking and savings accounts they should have sent out by XX/XX/XXXX a 1099-INT. I waited until XX/XX/XXXX to contact their customer service line knowing that forms can be delayed on the receiving side. When I spoke to the customer representative I explained that while my accounts were active, I could have downloaded the forms I needed online but now that the accounts were closed I could not and had not yet received the 1099-INT. The representative spoke with a supervisor who indicated they would have to 'manually " generate the form and I should receive it within 7-10 business days. They provided me with case # XXXX. The 10 days 'receipt ' period expired on XX/XX/XXXX and as of yesterday, XX/XX/XXXX, I still have not received my 1099-INT. This is preventing me from accurately completing my 2022 tax filing. 
I also wonder that if this happened to me, then how many other former customers at Ally have not received their 1099-INTs and whether or not those interest dividends have been reported correctly to the IRS. This is very concerning to me personally but also as a tax payer.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> 2023
Product: Checking or savings account

I have been paid with a check from XXXX  XXXX XXXX, from the person I know, try to deposit online on my chase account, chase treat that check as possible fraud and hold the money from me, ( already withdraw from my friends accont ), then close my chase account and hold the money since XX/XX/year>, they claim they can not verified my friends identity and link between him and XXXX  XXXX XXXX, my friend account is current and running, but chase keep saying is not verifiable. 
Like I said, my account with chase Is been closed since that day and still can't have my money yet.
Product: Debt collection

They are saying I owe XXXX over {$500.00} for internet. It is under an email and residential address Ive never lived at or used. I am also an XXXX customer for over 20 years so I know this debt is not mine as they have my regular information on file for my phone and my daughters phone. They said it was unpaid internet in which I have never used them for. The address was in Illinois and I have never lived there and a false email that never had. I reported it to the debt collector. This is awful and showing on my perfect credit!!!
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and notice some things are incomplete and not accurate. and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do the ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in gener
al, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Money transfer, virtual currency, or money service

Two transfers occurred on XX/XX/XXXX and XXXX each for {$100.00} plus XXXX in fees. These were supposed to be for personal services rendered that never were. 

I tried to contact the payees through the messenger systems in place but never got a reply back. 

I then submitted a dispute with the company as I had not heard anything from the payee. They have denied my dispute and I have run out of options. I was scammed out of those two payments and the customer service from PayPal has been nothing but go around. I need these charges reversed as I never received any of the services that were stated and it was prior stated they would refund the money within 72 hours of service not being rendered ( the payee ).
Product: Credit card or prepaid card

On more than one occasion Synchrony Bank has inadvertently reduced the limits on my store credit cards from XXXX XXXX XXXX XXXX to go despite me paying over the amounts due and never being 30 days late on these accounts. They have done this and have severely impacted my credit score in reducing my credit card limit saying I am a hazard and Im not. This bank has continuously done this to customers in a middle of a pandemic lowering their credit score and increasing their credit utilization while not not providing any justification for their abrupt actions. I am reporting synchrony bank to the FTC and my state attorney for predatory billing practices and ask that CFPB investigates this throughly
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach with Equifax.