23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Experian Credit Reports, a Collection Account, posting wrong information that is not mine. Experian allowed XXXX XXXX XXXX to post information that is not mine, negatively damaging my credit score. Contacted Experian, and they basically told me that I have to fix it myself before removing from my credit report. Contacted XXXX XXXX agency, and no one answers, you just fill out an online inquiry for call back. The wrong debt posted to my account was for XXXX services to someone and to an address that I've never lived in. XXXX basically gave me no options for resolution, other than fill out another online inquiry. 

Fraustrating to a Customer that strives for good credit, get wrongfully put to a collection agency and afftects my credit score, and lives my no good option to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed more than once with Equifax concerning false dates of delinquencies from XXXX XXXX. After speaking with XXXX a representative claims that they have not made such reports to the Bureaus. Dates of activities are always changed after disputes reporting incorrect information. This is a closed acct that should no longer be showing period. The dates are always changed to prolong the acct. showing which is causing hardship and mistrust with the bureaus that are supposed to protect against this kind of abuse. I've tried uploading documents showing proper information with Equifax but always get errors and when i did speak with a representative they was rude concerning me asking to dispute again and i was told it had already been disputed. I disputed XXXX before with CFPB and after that dispute they was no longer reporting updates now al of a sudden Equifax is reporting what XXXX updated even more false information concerning dates and reporting that the information is correct. Is this not against The Fair Credit Reporting Act???? However the other reporting bureaus were fair concerning me a a consumer and had no problem removing the XXXX acct.
Product: Credit reporting or other personal consumer reports

It's important to be truthful in all dealings with regulatory agencies, as dishonesty can lead to serious legal consequences and undermine the effectiveness of consumer protection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two companies were filed on a bankruptcy and not removed from my credit report : 1. Judgement case -- Case # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX Court -- XXXX Circuit Court, XXXX XXXX 2. Judgement case -- CASE # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX   Court -- XXXX County Court ( XXXX ) XXXX XXXX Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX -- DISC Case # XXXX Filed -- XX/XX/XXXX Lact -- XX/XX/XXXX Attny -- XXXX XXXX XXXX XXXX -- ( XXXX ) XXXX   Court -- Federal District Court Cases # XXXX and case # XXXX   are still on my credi report and need to be removed so I may purchase housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone illegally tried to apply at XXXX for a credit in my name with an address of XXXX XXXX XXXX XXXX XXXX ar XXXX. My correct address last XXXX years is XXXX XXXX XXXX XXXX ar XXXX. The XXXX credit card was refused for low credit score but ALSO for using a false address. I did not apply for the XXXX card. Please remove the XXXX XXXX XXXX XXXX XXXX ar XXXX address from my record please. The correct one is XXXX XXXX XXXX XXXX ar XXXX. The one before that was XXXX XXXX XXXX XXXX ar XXXX. My phone number is XXXX XXXX XXXX. Id appreciate it very much correctly correcting the false address put on my credit report. Thank you for your attention to this matter.XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX maiden moms name XXXX.
Product: Mortgage

Documents were sent to Bank of America on XXXX XXXX, 2016 for a request for a modification review of the Making Home Affordable Program. 
When a call was placed to the Bank of America on XXXX/XXXX/2016, XXXX at BOA stated all docs were in and nothing need at this time. She also advised that the file was moving to underwriting for a decision. 
Another call was placed on XXXX/XXXX/2016 to BOA where a representative named XXXX XXXX proceeded to go over requested documents from XX/XX/XXXX. After she was advised that documents were sent in on XXXX XXXX, 2016, she stated that a review of those documents had not taken place yet. No documentation were sent about missing documents to complete a review. The documents have just sat in the possession of Bank of America with no action. 
Per the regulations of PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) 1024.41 Loss mitigation procedures. Per the regulations of Regulation X the lender is required to review the documentation as long as it is received 45 days or more before a foreclosure sale, a servicer shall : ( A ) Promptly upon receipt of a loss mitigation application, review the loss mitigation application to determine if the loss mitigation application is complete ; and ( B ) Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. 
They are not following the appropriate procedures of a loss mitigation review.
Product: Debt collection

According to FCRA laws it is illegal to for debt collector to report on my consumer report with out my legal consent. I never gave consent and i demand it be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX  Balance : {$10.00}XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX XXXXXXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

Navy federal credit union has restricted my account for there mistake, they have committed fraud against me and this was a legit account Im tired of being treated badly by this credit union, this defamation of character, they closed this account because I reported several months ago that navy federal credit union had almost open an account by using my personal information, when I reported what I found they pointed the finger back at me and then tells me whatever is owed on these acounts will be chanted to me, navy federal credit union has committed deceptive business practices I will also file a FTC complaint against navy federal for the bad business practices and fraud, I had that account for over 3 years I have never been treated with such disrespect I will seek legal assistance I will sue navy federal credit union for using my information illegally, they fail to take action when I reported that account that was being used with my name. Nothing was done but, they pointed the finger at me and told me that my account was closed due to fraud but navy federal credit union committed the fraud, they will held responsible for any charges owed sense in being blamed because this credit union is just that bad, poor customer service. Im a veteran I have been treated just that bad, they need to settle this with me before I file more complaints and hire an attorney
Product: Money transfer, virtual currency, or money service

Subject : Complaint Against Albert for Unauthorized Charges, Data Privacy Concerns, and Inability to Cancel Account To Whom It May Concern, I am filing this complaint against Albert regarding unauthorized charges, mishandling of my personal data, and significant difficulties in canceling my account with them. 

On XX/XX/year>, I noticed an unauthorized charge of {$8.00} on my bank statement from Albert. I have never signed up for a paid subscription or explicitly authorized this charge. Despite contacting the company to dispute the charge, they have failed to issue a refund or provide a satisfactory explanation.

Additionally, I attempted to cancel my account to prevent further unauthorized charges. However, Albert has made the cancellation process unnecessarily complicated, if not outright impossible. The lack of transparency and an effective mechanism for account cancellation has left me feeling trapped and powerless.

I am also deeply concerned about Albert retaining my private information. I did not consent to the use, storage, or sharing of my data and have repeatedly requested its deletion. The company has not taken any visible action to resolve this matter or confirm the removal of my information.

These issues reflect a pattern of concerning business practices, including unauthorized charges, inadequate customer service, and opaque account management policies, which I believe violate consumer protection laws.

I am requesting the CFPB 's assistance in ensuring the following : A full and immediate refund of the {$8.00} charged without my consent.

Confirmation that all my private data has been permanently deleted from Alberts systems.

Immediate cancellation of my account with Albert, including explicit confirmation of the closure.

A thorough investigation into Alberts practices regarding unauthorized charges, data handling, and account cancellation processes to prevent similar issues from affecting other consumers.

Please let me know if any additional documentation or information is required to process my complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each credit bureau to dispute items that did not belong to me that were reporting against my credit on XX/XX/2017. The only response that I received was from XXXX and they were able to remove all accounts I requested to be removed. It has been well over 30 days and I have n't received any information from XXXX  or Transunion at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the last month, I called the Equifax credit bureau numerous times to remove my inquiries that I did not approve of. They still have not deleted it from my credit report. It is not showing on my other credit bureaus as of now and I want these inquiries removed, according to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report it is a tax lien which I have disputed before with   XXXX   and   XXXX    and they removed the inaccurate account. I have also disputed the account with Equifax and they keep saying it is accurate but it is not in fact and the other  XXXX  agencies have removed the account
Product: Debt collection

I checked my credit history and there was this debt there from XXXX and I do n't order online and this I never opened and its fraud and I should n't have to pay for what somebody else did
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$720.00} XXXX XXXX XXXX  XXXX Balance {$930.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX, XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$2100.00} Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance {$200.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXX Balance {$450.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXX  XXXXX Balance {$2600.00} XXXX XXXX  XXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX  Balance {$600.00} XXXX XXXX XXXX XXXXX Balance {$2100.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXX Balance {$470.00} XXXX XXXX XXXX  XXXXX Balance {$250.00}
Product: Checking or savings account

XX/XX/XXXX I was scammed by people claiming to be from the SSA. I filed a police report and also called Chase and XXXX XXXX to see what I could do. Every individual I spoke with had different answers as to what could be done so I called the chase fraud hotline, wire research team, dispute line, XXXX XXXX dispute line, etc. 

I suspended the account in hopes that it would freeze the pending transaction leaving my account. I also tried to flag the wire transfer with XXXX XXXX. 

XX/XX/XXXX XXXX I was at Chase and they informed me the money had already left. I provided them all the proof of the scam, phone records of the calls, text message conversations, fraudulent documentation from the scammer as well as my police claim. Chase attempted to freeze the amounts but were unable to without an investigation. They opened a claim for my internal funds transfer and they attempted to contact the wire team but were closed on the weekend. Chase also has to email me a hold harmless form so that the police can investigate my bank accounts for their case. 

I went to XXXX XXXX and notified them in person. XXXX XXXX called their fraud department and informed me I had to get a wire recall initiated from chase which I could only do on Monday XXXX PST. 

I then went to the police department to finish my formal interview. The report will he generated by XX/XX/XXXX or so. 

XX/XX/XXXX I called at XXXX to request a wire recall with Chase. They opened the case and gave me a confirmation number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous complaint about the fraudulent accounts in my file that needs to be deleted. 

I want the following accounts to be deleted ASAP : XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased? 
9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No? 
Please provide the name and address of the bonding agent for ( PNC Bank ), in case legal action becomes necessary : Authorized Signature of Creditor :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to dispute and request the immediate removal of two fraudulent hard inquiries that have appeared on my TransUnion credit report. I am a victim of identity theft, and I am deeply concerned about the impact these unauthorized inquiries may have on my credit standing. I have taken all necessary steps to investigate these inquiries and provide evidence of their fraudulent nature.

The unauthorized hard inquiries are as follows : Inquiry by XXXX - Miscellaneous Finance on XX/XX/XXXX Inquiry by XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I would like to bring to your attention the following reasons why it is implausible that I would have sought loans from the listed creditors during the mentioned periods : XXXX - Miscellaneous Finance : On XX/XX/XXXX, I was not in a financial position to seek any new credit arrangements, as I was in the process of recovering from a major medical expense. During this time, I was focused on managing my medical bills and restoring my financial stability, rendering the need for additional credit completely unnecessary. 

XXXXXXXX XXXX - Auto Loans : On XX/XX/XXXX, I was already a proud owner of a vehicle, and there was no reason for me to explore new auto loan opportunities. Additionally, I had been diligently working on improving my credit score and maintaining responsible financial habits, making the decision to apply for an auto loan contradictory to my financial goals.

I am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit report. Furthermore, I have contacted both XXXX and XXXXXXXX XXXX to investigate these unauthorized inquiries. To my disbelief, both creditors confirmed that I had never initiated any credit applications with them during the specified time frames. Their confirmation provides further evidence of the fraudulent nature of these inquiries. 

I kindly request that you initiate a thorough investigation into these unauthorized inquiries and ensure their immediate removal from my TransUnion credit report. I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer protection and help rectify this situation promptly. 

I appreciate your attention to this matter and thank you in advance for your assistance in resolving this fraudulent credit issue. Please feel free to contact me if you require any additional information or documentation to facilitate the investigation process. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have a checking account with Citi Bank. ( XXXX ) Since Friday, XX/XX/XXXX, they have placed a complete hold on my account, preventing me from : - Performing wire/ACH transfers- Making XXXX payments XXXX Using my debit card I have called the customer support line of Citi Bank XXXX and they informed me that the phone number on my account can not be used for verification purposes due to a third-party service limitation. When I asked for an alternative, they said there was none and hung up on me. This happened several times, causing me to spend more than 5 hours calling and waiting until a supervisor on Saturday was finally able to access my account. The supervisor informed me that my account was " under review '' and that I would be able to access my money again within XXXX hours. To date, I am still unable to use my account or access my money in any way, which has caused me significant distress as I depend on the money in this account for my daily expenses. I went to a branch in person, and they informed me that I could do nothing other than wait.
Product: Student loan

My monthly student loan repayments resumed on XX/XX/2023 and were paid on that date via autopay. 

On XX/XX/2023, I made an additional payment toward my student loan ( loan sequence XXXX, as Mohela calls it ) in the amount of {$77.00}. {$31.00} was applied to interest accrued on the loan and the remaining {$45.00} was applied to the principal balance. 

Upon discovering this, I contacted Mohela to have the total additional payment redirected to go entirely toward the principal balance, NOT to have it split between principal and interest. I was instructed by the Mohela representative to upload a written instruction on the Mohela website instructing them to have the payment applied to the principal balance of loan sequence XXXX. She stated the payment would then be reapplied correctly to the principal balance. 

I filed this written instruction on the website on XX/XX/2023. 

On XX/XX/2023, I also made another additional payment in the amount of {$200.00} toward loan sequence XXXX. {$6.00} was applied to interest that had accrued, and the remaining {$190.00} was applied to the principal balance. On that date, I also included a written instruction to have the entirety of this additional payment to go toward only the principal balance of loan sequence 4, NOT toward any interest.

Again, these two additional payments were in excess of my scheduled monthly payment amount. 

On XX/XX/2023, I called Mohela to follow up on the reapplication of the money to the principal. I was informed that my written instruction was " cancelled ''. I never received any correspondence from Mohela to let me know that it was cancelled. The representative then told me that all payments had to go toward paying the interest on a loan first and then any left over money would then be applied to the principal balance. 

This is in direct conflict with what the original representative had told me XXXX weeks prior. Again, this is not my monthly payment. I understand that the monthly payment must go toward interest first, and then principal. These are additional payments. This practice substantially prevents people from being able to pay off their loan early or even trying to get ahead. I believe it is unlawful and being done in bad faith.