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

THE DAY THAT WE WERE CLOSING ON OUR PRIMARY RESIDENCE I NOTICED THAT A {$2500.00} UNAUTHORIZED TRANSACTION OCCURRED FROM OUR SAVINGS ACCOUNT. THE TRANSACTION WAS AT ONLINE AND ORIGINATED FROM AN OUTSIDE AGENCY THAT HAD GAINED MY PERSONAL INFORMATION AND TRANSFERRED {$2500.00} FROM OUR SAVINGS ACCOUNT TO A CHILD SUPPORT AGENCY IN TEXAS IN THE EARLY HOURS OF THE MORNING THROUGH THE NAVY FEDERAL CREDIT UNION IN XXXX, ALABAMA IN XX/XX/2020. NAVY FEDERAL INVESTIGATED THE INCIDENT AND STATED THAT THEY WOULD CREDIT OUR ACCOUNT BUT THEN THE NEXT BUSINESS DAY OR THAT SAME DAY THEY WOULD XXXX THE AMOUNT OUT AND SAY THAT " YOU MADE YOUR ACCOUNT OVERDRAWN OR IN THE NEGATIVE AND WE HAVE TO MAKE OUR MONEY BACK ''. SO THE MONEY WENT FROM OUR SAVINGS ACCOUNT TO A CHILD SUPPORT ACCOUNT IN TEXAS AND WE NEVER WERE PAID BACK AND NAVY FEDERAL CREDIT UNION STATED TIME AFTER TIME, THAT THEY HAD TO MAKE " MAKE THEIR MONEY BACK '' XXXX THIS NEEDS TO BE INVESTIGATED AND WE DID FILL OUT A POLICE REPORT BUT NEVER, EVER DID WE GET THE {$2500.00} BACK!!!
Product: Debt collection

You're violating my consumer rights. Its evident that you've violated my cease and desist order! You do not have permissible purpose to furnish anything in reference to me to the consumer reporting agencies without my consent. Im demanding you to cease communication with me through all mediums, including consumer reporting agencies! Pursuant to 15 USC 1692c ( b ), you did not have my prior consent to communicate with any third party, in connection with the collection of any debt, with any person other than the me! You're damaging my reputation with these unfair and deceptive practices along with affecting my credit worthiness with this unauthorized reporting. Failure to comply with force me to exercise my consumer rights against this organization!
Product: Debt collection

Department of Education/XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to  credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : 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 reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I applied for new insurance My rate was terrible I called to ask why. They stated as I have enclosed proof that Lexis nexus added that I was at fault for an accident on XXXX I am enclosing the police report showing I am XXXX XXXX and its clear I was at a stop sign and was the victim. It was a 4 way stop and as youll see, I wa sitting still. 
Lexis nexus for XXXX years now, have added this to my insurance report, stating. I was XXXX fault. Costing me thousands and thousands I emailed them the police report immediately. 
Then called XXXXXXXX XXXX  later, she said that XXXX lied and it was never in my report. I told her I bet they were covering their tails after they saw the police report. She literally laughed at me and said it was never there. 
XXXX didnt lie, Im enclosing proof. 
By my calculations for XXXX years now, I have paid an extra XXXX XXXX a month on insurance for an accident that was never even my fault. They just decided to make a buck by reporting this. I have enclosed all documents My daughter and I as youll see on the police report were sitting still, a woman was texting and driving ( and she was arrested for that ) and slammed a truck into us, my back was very badly hurt and Im still hurt XXXX years later and this place has the gall to report false information Now, theyre going to lie and say it isnt there anymore after I called them out, after my email of the police report, they deleted it completely but you can clearly see todays date XXXX from XXXX insurance in the papers I attached where they sent them this information. Doesnt matter if they rushed to cover their tails and deleted it, the damage is done for six months with XXXX and they should have to pay for this.
Product: Mortgage

Hi, I have property in XXXX, Ohio. Morgaged via Fifth Third Bank. I missed a payment and continued to be harrassed by Fifth Third Bank personnel. I requested that they do not bang on my home door. Not only do they appear at my door but each day I have received un-postaged envelopes in my mailbox and envelopes taped to my outter door for other residents to see. I have pictures of the envelopes left at my home. This is harrassment and intimidation by Fifth Third Bank that I do n't believe other customers are treated. I am an XXXX Female
Product: Credit card or prepaid card

Received a letter today, XX/XX/XXXX, dated XX/XX/XXXX which happens to be my B/D, from Capital One! Says : IMPORTANT INFORMATION ABOUT YOUR ACCOUNT! Dear MY NAME : " Recently, during a regular account review, we noticed youve only been using a portion of your credit line. To better fit your card usage, weve reduced your credit limit to {$2000.00} dollars. We have kept your credit limit significantly above your highest balance over the last 1 year to ensure you can continue to use your card as you have been, while providing flexibility for future spending. Thank you for being a Capital One customer. We look forward to continuing to serve your needs. Sincerely, Capital One '' What kind of XXXX is this? I called and got a human being, which is unbelievable this day and age, I told the guy the above story. He says I have been a customer since XXXX. I told him I had an {$8000.00} credit limit and now your are reducing it to {$2000.00} dollars just because I havent added thousands of dollars of purchases to my account? I told him that wasn't right. It was nice to have the higher credit limit in case I would need it some time. What did I do to deserve this? Supposedly the call was being recorded and I would love to hear what the higher upper XXXX thing of this! Of course they don't care about the average customer. As I wasn't a happy customer I told them to close my account. The Rep didn't even try to keep me as a customer. I AM NOT A HAPPY CAMPER!
Product: Money transfer, virtual currency, or money service

I opened the account of Binance.US to buy cryptocurrency on XXXX and deposited {$5000.00} on same date. When depositing {$5000.00}, there was no issue. However, after depositing the amount, the account status was changed to " pending verification '' which remains almost 4 months. Nothing can go forward under pending status. 

I wanted to withdraw the deposited fund but able to transfer because the account is under pending status. I submitted 6 tickets to resolve this issue but answered at all. 

I want to transfer the amount to checking account and cancel this account. No customer service available.
Product: Credit reporting, credit repair services, 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 ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX ACCOUNT # XXXX has violated my rights. 
XXXX, XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX has violated my rights. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX has violated my rights. 
RESIDENT VERIFY Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX has violated my rights. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX has violated my rights. 
RESIDENT VERIFY Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # 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 an account without my written instructions I DID NOT GIVE WRITTEN INSTRUCTION 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported XXXX  % correct. 

You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be XXXX  % accurate! 

In the FCRA I read that everything has to be XXXX  % accurate on my credit file under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX  % accurate for this violation I can easily get {$XXXX} in a lawsuit against your company!! 

Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX -DATE OPENED XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2018 i filed a complaint with the CFPB XXXX XXXX ID XXXX XXXX about some fraudulent activity on my debit card. 

After disputing the transactions with my bank that they decided to only partially credit my account for these transactions. Even though I reported ALL of the transactions as fraudulent, and I also have new information. 

I believe that the person who stole my phone and my debit card, and who fraudulently authorized those transactions over the phone could have been an old babysitter. They knew my gate code ( which is also secretly the pin to my card ) and he had access to my personal belongings in the house while I was away.
Product: Credit card

I used my credit card to book a hotel in XXXX. The hotel tried to overcharge me when I actually arrived there and was not ready to honor the pre-booked rates. I did not stay there but they still charged me for my reservation. Under my credit card, I should get insurance for my purchases but this card does not honor this. They will not refund the fee.
Product: Debt collection

I have finally been able to pay off my debt this XXXX in XXXX due to a new job but on XX/XX/XXXX of XXXX I received an aggressive and threatening response from XXXX with XXXX XXXX XXXX when I contacted the company about the debt they stated I owed. I was previously being able to consistently pay the company but I no longer had the funds to do so. I stated to XXXX that I will be unable to pay my debt due to having no income ( as I was job searching ) and not enough saved money to pay towards the bill. In response XXXX yelled, screamed at me that " THIS IS STUPID, YOU'RE STUPID FOR NOT PAYING ON THIS BILL. ITS ALMOST PAID JUST PAY IT '' To which I responded that I understood that the bill is almost paid, however, I can not because I literally do not have the funds to do so. She did not like this answer and repeated decided to be derogatory with me then threatened that they will report this to my credit report if I don't pay them! I explained again that if I had the funds I could pay, but I infact did not have enough funds to allocate funds. I even stated that setting up an even lower payment plan will not work because I still would not be able to pay it with XXXX income, as I was still job searching. Regardless of what I explained XXXX from XXXX XXXX continuously berated me. As of today XX/XX/XXXX I noticed they have now switched my loan officer suddenly to XXXX XXXX. I have also been harassed with non stop calls each month from her as well about debt from XXXX XXXX. They have also GREATLY negatively impacted my XXXX XXXX as they threatened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several emails to this company informing them of XXXX XXXX XXXX that is now in automatic stay by the XXXX Court.I sent orders from the judge that was ignored and they continue to charge a XXXX percent interest plus adding late fees.
Product: Debt collection

There are XXXX accounts that continue to show up on my credit report with a new collection agency every time I dispute the accounts but I 've yet to get any notification from any of the collection agencies reporting the information before they report it. I just recently reviewed my report to notice that Enhanced Recovery is now reporting the account and I 've never even heard of them. However, in the mail today I received a settlement offer from a different collection agency on one of the accounts that says nothing about enhanced recovery. When I dispute the items, I request validation on the accounts because I am completely unaware of where they accounts have come from. They get deleted and nothing is ever sent back to me so I am under the assumption they 've finally gone away. Then a month goes by and suddenly it shows up again but noone has ever informed me of the information before they just slap it on my credit report again. It 's my understanding that I am supposed to receive a letter giving me 30 days to dispute the validity of the debt prior to reporting it as well as send me this letter within 5 days of receiving the debt and none of this has ever taken place. If this is my account ( which it is not ) then why is it that when I request records, I ca n't get anyone to provide any documentation so they remove it then they just rereport it with a new collection agency without any warning? Also, one of the accounts ( XXXX ) lists an original balance of {$230.00} and on the letter I just received from the other collection agency it lists a balance of {$230.00} but then on my credit report it lists a balance for {$790.00}. None of this is legal and it 's a shame companies like this are even allowed to be in business. This is peoples lives they are messing with and they do n't care.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Transunion Regarding Inaccuracies In My Personal Information As Reported In My Credit Report.

Details Of The Dispute : 1.Incorrect Name : My Current Legal Name Is XXXX XXXX But It Is Incorrectly Listed As XXXX, XXXX, XXXX XXXX On My Credit Report. I Request That My Name Be Updated To Reflect The Correct Information.

2.Outdated Address : My Current Residential Address Is XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX, While My Credit Report Shows An Outdated Address Of XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. XXXX ) XXXX XXXX XXXX XXXX, Oh XXXX. I Request That My Current Address Be Updated Accordingly. 

3.Employer : My Current Employer Is Amazon.com Services Llc , But It Is Listed Incorrectly On My Credit Report As Employed. I Request That Employer Be Updated To Reflect The Correct Information.

Supporting Documentation : I Have Enclosed Copies Of Supporting Documents To Verify The Accurate Information Provided Above, Including : A Copy Of My Driver 's License Or Passport Displaying My Correct Name.

A Recent Utility Bill Or Bank Statement Showing My Current Address And Current Employer.
Product: Debt collection

On XX/XX/XXXX a woman by the name of XXXX ( mumbling last name ) Said she received some documents. She needed my signature and was going to send the documents certified mail. She said I need to be home between XXXX and XXXX to sign for said documents certified mail. If I have any questions or need to reschedule to call them. at XXXX with my claim number. I called back and spoke to a man by the name of XXXX I asked him what the name of his company, he said they are a legal claims office and they handle claims. I asked if he was an attorney? he said no but he could get one if I would give him my social security number.I hung up.I called back the next day and I asked the name of the company I was told it was Regency Capital. I dont know who these people are
Product: Debt collection

These people called me my brother my mom my boss all after repeatly calling me 3 x a day and I told them to stop! This is rediculous and these people should not be called! It 's CDR XXXX ext XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FORD MOTOR CREDIT HAS ADDED A 30-DAY LATE CHARGE TO MY ACCOUNT. ORIGINALLY, FORD MOTOR CREDIT SWITCH COMPUTER SYSTEMS WHICH CHANGED MY USERNAME AND WOULD NOT ALLOW ME TO LOGIN. I TRIED TO RESOLVE THIS, HOWEVER I HAD NO SUCCESS WITH THEIR AUTOMATED SYSTEM AS THEY SAID MY ACCOUNT COULD NOT BE RECOGNIZED. 

I CALLED IN AND MADE A PAYMENT ON THEIR AUTOMATED SYSTEM. HOWEVER, ONE WEEK  LATER THE MONEY DID NOT CLEAR MY ACCOUNT AND I WAS TOLD THAT THEY NEVER RECEIVED A PAYMENT, DESPITE THE FACT THAT I DID. I HAD TO MAKE THE PAYMENT A SECOND TIME. 

I HAVE NEVER MISSED A CAR PAYMENT AND THEIR ERROR HAS CAUSED A SIGNIFICANT DECREASE IN MY CREDIT SCORE. I REQUEST THIS 30-DAY BE REMOVED IMMEDIATELY AS IT WAS THEIR ERROR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Factual dispute to Equifax, XXXX  and XXXX  on XX/XX/XXXX. It was regarded a late payment and incorrect reporting as well as inaccurate account numbers discrepancies in the difference dates of the reported late payment on each credit report. I submitted supporting documents and never heard back. My reports never updated to show account in dispute. I made several calls to them and nothing was done. I waited at least 45 days and called and one by one each credit bureaus claimed to have completed their investigation and never mailed me any proof. Equifax actually removed the late payment and then reinserted it back on credit report. XXXX  has a 90 day late reporting for XX/XX/2018, Equifax has it showing XX/XX/2018 and XXXX has it showing late XX/XX/2018. I further disputed the way the late was reported. No 30 or 60 day late the jump to 90 day late which the FCRA 609 guidelines clearly states is unlawful.
Product: Credit card

Apparently, on XX/XX/XXXX they sent to my email and regular mail addresses a notification stating they were decreasing my credit line and explaining the reasons why that decision was made. However, I haven't received that letter to this day on email or a physical copy. Also, after my decrease in credit line they have been taking more than a week after each payment to reflect it in the account even though the payment gets deducted from my bank acc with in 2 or maybe 3 business days. The latest payment ( {$120.00} ) hasn't been posted yet even though I made the payment on XX/XX/XXXX ( Tuesday ), they decided to take the money from my acc on a FRIDAY to have me wait over a week to see changes in my acc. Usually before these issues, the payment would get posted and reflected in the CC acc the same day the deduction in my Banck Acc was made. I have reached customer service 3 times and this last time they were " unable '' to update the balance even though they have the money already. I want quick updates on my balance because, I stated to them via a phone call and chats, I am closing that XXXX XXXX. Synchrony Bank can eat dirt for all I care. Terrible bank. They are messing around with my credit score at this point, and I am not going with it. I also pay for the hardship plan they have for customers if they happen to not be able to pay off their credit card, they didn't even try to contact me and give me a change to use it. Even though I struggled financially last XXXX, I still made 100 % of my payments and they do this. I will appreciate if I can get the proper help for them to be more diligent on their end an let me finish pay off that awful XXXX XXXX  and close that terrible acc.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting inaccurate information to insurance companies regarding my driving and credit history. My premiums have doubled and tripled and I am unable to obtain insurance from another insurance company due to them reporting to all of them. I can no longer pay my premiums and will lose my vehicle without insurance. I bought a truck in XX/XX/2020 and they are reporting accidents and claims in XXXX and XXXX and many others and I DID NOT EVEN OWN THE VEHICLE!!!
Product: Mortgage

I had hurricane damages so I gave Chase the check and they released XXXX so we then proceeded with the repairs, all were water related so they had to be done and it was more than they released to us. I then put my own money out for them all and work is 100 complete. They are still holding XXXX and said after an inspector that they sent it would be released. The inspector was out on XX/XX/XXXX and send them a report 100 complete. They said it was not sent, I contacted him and he sent it numerous time to them. He said it was them not processing? Don't know who is lying but I need my money, I suggested another inspector to come out and he did, same results house 100 complete. I called they said same not done? I don't know how to get my money, I used all my saving to get this done and wont have my mortgage payment among other bills until I get this. I am XXXX year old widowed veteran and live on a fixed income. I am sure you can understand how hard this is on me. I just want what is mine and not even a supervisor has followed through to help. I have spoken to XXXX XXXX, XXXX XXXX at Chase insurance their phone number is XXXX their tracking number for my house is XXXX. This claim check was first issued in XXXX of XXXX. I am attaching a text picture that the inspector sent to me of 100 percent done. His name is XXXX XXXX XXXX if you need that information. Thank you