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

Hi There, Recently I moved temporarily to XXXX with my family. We moved because my business was mostly shut down due to Covid restrictions. Before moving I notified Chase that my new mailing address was in XXXX but my business was still operating as I was working remotely until there is a vaccine and I can once again travel back to California. 

Without warning Chase completely froze and canceled my account. I had {$80000.00} of money in my account and they said they sent me a check!!!! AN {$80000.00} check in the mail!!!!!!! I can't pay my assistant because that is the account that I use for payroll. I have always had a high balance in my account and never had any defaults. I have been a loyal Chase customer. I can not understand what triggered this. Please help. I no longer have an account where I can get paid. This is very troubling.
Product: Credit card

PayPal credit open an account for me and there was an immediate charge of {$82.00}. I called over 3 times to try to get an answer for why this was done to no avail. I cancelled the credit line and did sign an affadavit. I was told very nastily that I better pay this amount plus a finance charge and {$25.00} late few. I see that they have paid you a fine of {$25.00} XXXX. I think that they are up to their old tricks. Account number that has been cancelled I hope.
Product: Credit card or prepaid card

A {$100.00} rebate was offered from Synchrony Financial when opening and using a new " XXXX & XXXX '' credit card on any single-receipt purchase. Offer valid XX/XX/XXXX. I made a {$260.00} purchase on XXXX after applying for and using the card info at the store to make the purchase. I paid the account on XX/XX/XXXX. I mailed all required documentation including a copy of the original receipt and rebate form to : XXXX & XXXX   Rebate, Offer # XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX on XX/XX/XXXX. After no response or rebate, I contacted XXXX XXXX XX/XX/XXXX, and was told they had none of my paperwork. The rebate form had to be postmarked by XX/XX/XXXX. I spoke with a program manager named XXXX and was told although XXXX could not help, if I would fax her all my paperwork she would see how she could help. She did not contact me. I contacted the rebate center and spoke, emailed my documents to XXXX. I was told they would see what they could do to help. No one contacted me. I called XXXX XXXX  on XX/XX/XXXX, and talked to XXXX who wanted me to AGAIN fax everything. The rebate center emailed me they were trying to get in touch with XXXX. I still do not have my rebate. Have I been scammed?
Product: Checking or savings account

The Bank Workers are not trust worthy. U.S. Bank inside XXXX XXXX in XXXX. And Also U.S. Bank on XXXX XXXX & XXXX XXXX. I am sorry for Banking with U.S.BANK AFTER ALL. CROOKED WORKERS ARE REALLY DECEITFUL WITH MY CHECKING ACCOUNT. information PROVIDED THROUGH MY MONTHLY STATEMENT ILLICIT AND CONSTERNATED BADLY. BY WAY OF REINSERTED INFORMATION HAS BEEN DONE PREVIOUSLY BEFORE. WHEN I WALK UP TO ( ATM ) MACHINE TO CHECK MY ACCOUNT BALANCE. THE WORKERS ADDED UP TO {$7.00} DOLLARS CHARGED. THIS IS RIDICULOUS, CROOKED TYPE OF INDIVIDUALS WORKING ON MY BANK ACCOUNT. I'V NEVER SEEING ANYTHING LIKE SO BEFORE. REALLY CROOKED DECEITFUL U.S. BANK WORKERS. I WONDER WHERE THEY COME FROM, AND WHAT COLLEGE THEY GRADUATED FROM. IT DEEMED EVIL, EVILDOERS TYPE OF WORKERS IN U.S.BANK. I COMPLAINTS SEVERAL TIMES BEWFORE ABOUT U.S.BANK WORKERS DECEITFUL ACTIVITY TO MY BANK ACCOUNT. I WONDER IF THEY ARE NEW IN OUR COUNTRY. ACCORDING TO THEIR DESPERATE TO FNAGLE ME AND MY BANK ACCOUNT ILLICITLY. IS A LAW VIOLATION. FURTHERMORE ; MY PENSION DEPOSIT GOES IN THE XXXX  OF EACH MONTH. UNLES OTHERWISE THE XXXX   FALLS IN SATURDAY, SUNDAY, OR HOLIDAY WILL BE IN BEFORE THE XXXX  THEN. THE WORKERS MIGHT TRY TO TAKE ADVANTAGE OF ME BECAUSE I AM OLDER MAN. AND MY SWEETHEART WIFE XXXX XXXX XXXX PASSED AWAY XX/XX/2019. THIS HURTS ME BIG TIME, ADDING TO MY PAINS U.S.BANK WORKERS TRYING TO FINANCIAL FINAGLE ME AND MY BANK ACCOUNT IS A LAW VIOLATION PERIOD. IN ADDITION ; MY XXXX  XXXX 4  YEARS COLLEGE  XXXX. ALSO WORKING AS A XXXX XXXX  AT HER JOB. BUT I DO NOT WANT TO BOTHER MY CHILDREN UNLESS SOMETHING SERIOUS THAT I NEED THEIR HELP WITH OF COURSE. I AM TRYING TO DO EVERYTHING ON MY OWN. TO KEEP ME GOING OTHEWRWISE. SURE APPRECIATE ANY STRICT SCRUTINY INVESTIGATION TO MY CHECKING ACCOUNT ARIGHT. THANK YOU, GOD BLESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect information on my Equifax credit file numerous times and Equifax continues to verify incorrect accounts that shouldnt be on my report. XXXX   and XXXX has removed these incorrect accounts with no problem but Equifax is the only bureau that has been gobbling me a hard time correcting my own file. I need these accounts removed. I have attached the accounts thats needs to be removed to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft someone had opened and applied for student loans two of them. ECMC is the collector.
Product: Credit card

On XXXX XXXX, while reviewing my billing statement with My Best Buy Credit Card I found a disturbing notification of an additional charge of 'Debt Prot XXXX ' in a percentage of my billing statement added each month. I have had a best buy credit card from at least XXXX on when it was with XXXX XXXX prior to XXXX and then when it was bought by XXXX back in XXXX. 

I never signed up, consented or requested this option. In trying to get information on where and when I would have signed up for the Debt Protection I was never given an option into debt protection and that is when I started to do some research. I started by calling XXXX on XXXX/XXXX/XXXX the Debt Protection company at XXXX where I was told that I have been charged for the life of the card upwards of {$1400.00}. I was told they would put a request to have them look into this issue. They did and XXXX week later I received confirmation that {$47.00} was going to be returned to me on my billing statement. I followed up on XXXX/XXXX/XXXX then at that time with not only Debt Protection again at XXXX, but also XXXX XXXX and Best Buy XXXX. I tried to contact a manager in all areas. Debt Protection told me they could not give me any formal documentation that I had opted into this protection that I would need to contact Best Buy. Best Buy told me that they could not provide me any documentation that I opted into this debt protection without contacting their operations department. When asking for a number to call the Best Buy operations department I was told they did not have a phone number and that we would need to provide a formal letter requesting for a copy of the document that we have never been provided. After speaking with XXXX they said that the {$47.00} that was refunded was the only amount they could refund because that is the amount that that had been charged when the card was with XXXX. 

After careful review of my statements via Best Buys website I can only go back to XXXX charges due XXXX/XXXX/XXXX these have all been with XXXX. Total from XXXX XXXX through XXXX XXXX with XXXX {$400.00} has been charged in Debt Protection since they took over the account in XXXX. Best Buy told me they could not get me any statements before it was moved and brought on by XXXX, which means I have no proof as a consumer what the other charges were from the Debt Protection company. 

I have spent multiple hours and time, consulted a lawyer, and was told to contact every protection agency that I can to make sure you are aware of this issue. Each company pushes the issue to another company to get the answer. Not one of them will give a straight answer or a refund, and I can not imagine how many other people are being scammed out of money because they never opted into or consented to these options. I am not the only consumer this is happening to, but I can not get any information on if I opted into this option or my money refunded. 

If you need more information from me or documentation please contact me directly, but I would like to get some answers from these companies and possibly be refunded before I take legal action.
Product: Credit reporting or other personal consumer reports

I just looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that do not have permissible purpose. I did not authorize these inquiries and would like for them to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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: Mortgage

The reason I am making this complaint is because I was working with my Lender Ocwen Loan Servicing to get a Loan Modification, and I was approved for a Trial Payment and after I made my first payment I was advised by my account manager that I was Denied due that I had already got modified under a Government Modification and they can not do a XXXX modification under the same program. I am not satisfied with this denial and I have proof that I was not given a Government Program the first time I modified. I am a XXXX Loan but did not get a Government Loan. Now I am getting phone calls from my Account Manager XXXX XXXX and he has been trying to collect all my default payments in XXXX large payment or else I am getting foreclosed. He placed me into this Foreclosure status because he took months to get me a resolution, got me approved, then got me denied. I want my Trial Payment approval as they offer me and to correct what ever mistake they did to my loan.
Product: Credit card or prepaid card

This credit card showed up on all XXXX credit bureaus and they sent me an email message informing me that my online bill was ready to view, that is how I found out about it. I contacted them via phone and by USPS. When I spoke with a representative on the phone on XX/XX/2022 I was assured that this account would be closed and a confirmation letter was to be sent to me via USPS. I never received a confirmation. 
The credit card is a XXXX. The company information is listed below, none of my PII is included. 

Milestone Mastercard XXXX XXXX Card Services XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OR XXXX I have frozen my credit reports and established an account with identitytheft.gov where I sent them the initial letter provided by the .gov account. I have received no correspondence and no communication from this card service. I dont have the full account number, when they sent notification via email they only included the last four digits of the account number. The only charge that was on the account when I received the notification via email was for the annual fee of about {$100.00}, but I do not want this to escalate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

I also wrote to the Bureaus to remove all non associated addresses, phone numbers, employers and names : XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX, Michigan XXXX XXXX  XXXX XXXX of XXXX I also wrote to them to remove the bankruptcy
Product: Credit reporting or other personal consumer reports

To whom this may concern : I am writing to address a matter of significant concern regarding the information held by your agency, [ XXXX/TransUnion ] , pertaining to my consumer report. 

I am XXXX XXXX XXXX and I am troubled by the negative private information shared without my explicit consent, which has adversely affected my financial standing and mental well-being. I have never entered into a clear and conspicuous contractual agreement with [ XXXXTransUnion ] , granting permission for the dissemination of such personal data. 

As a business owner myself, I understand the gravity of handling private information responsibly. If I were to unjustly share adverse information regarding individuals without their explicit consent, I would rightfully face legal consequences. 

The negative entries on my consumer report, which have been shared with multiple companies, are unfairly hindering my ability to progress in life. Even if these negative accounts hold some truth, they are entirely unrelated to any contractual obligations or transactions involving [ XXXXTransUnion ] . 
Which are all companys who have ASSUMED a vital role. 
Credit score is never defined in the federal law because it is the elaborate mechanism of these companys. 

I kindly request a thorough investigation into the origin and legality of sharing these specific negative entries on my report. Proof that I signed a clear and conspicuous contract, a copy of the Contract binding both parties. 

They also have a grave responsibility and obligation to respect my privacy. 

I appreciate your immediate attention to this matter and request a timely response regarding the steps taken to address these concerns. 

Thank you for your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) - In accordance with the written instructions of the consumer to whom it relates. 

1. Remove possible finance accounts which are unfairly affecting my life in a significant way. I can not get a new truck for our business or a credit card to fix the truck which has left me in a situation where I feel hopeless. This is not FAIR to me and it must be fair to me as the consumer I need to provide for my family with credit and a new vehicle to continue our business we have built over 3 years. Again consumer reporting agencys have ASSUMED a vital role no one gave them.

For the damages that have been done over the past years I will be seeking {$5000.00} in criminal liability damages for not respecting my privacy and sharing information without any written instructions from me.

15 U.S. Code 1611 - Criminal liability for willful and knowing violation I will be seeking {$1000.00} in civil liability 15 U.S. Code 1681n - Civil liability for willful noncompliance Send payment to : XXXX XXXX XXXX XXXX XXXX XXXX, Wa Within 15 days of receiving this notice.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Unauthorized Dispute on My Husbands XXXX XXXX XXXX XXXX Account I am filing a formal complaint against TransUnion, XXXX, and XXXX for falsely reporting a dispute on my husbands XXXX XXXX XXXX XXXX XXXX account, on which I was an authorized user for years. Neither my husband nor I ever filed a dispute regarding this account, yet on XX/XX/year>, my husband received a letter from XXXX XXXXXXXX XXXX stating that I had been removed from his account due to a dispute they received from the credit bureaus. To be absolutely clear : This is not my accountit belongs solely to my husband. I was only listed as an authorized user, and at no point did either of us request a dispute or removal. This action was taken without our knowledge or consent, and it is a direct failure by the credit bureaus to accurately handle consumer data. Additionally, this interference in my husbands financial account violates his privacy and rights. To address this matter, I have already filed complaints with : The XXXX Attorney General The Federal Trade Commission ( FTC ) on XX/XX/year> However, immediate action is required from the CFPB to ensure that TransUnion, XXXX, and XXXX correct their reporting errors and prevent further unauthorized interference in my husbands account. Requested Action : Contact XXXX XXXX XXXX  to confirm that no dispute was ever filed by me or my husband and reinstate me as an authorized user on his account. Require TransUnion, XXXX, and XXXX to immediately correct their records and remove the false dispute notation. Investigate this serious mishandling of personal credit data and hold the responsible credit bureaus accountable. Ensure stronger compliance measures to prevent such unauthorized actions from happening in the future. This ongoing negligence by the credit bureaus is severely impacting my financial standing, and I demand swift corrective action. I appreciate your urgent attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've updated my current address with XXXX, Experian, and XXXX  and requested all incorrect addresses and phones be removed and it keeps being denied.
Product: Debt collection

A debt collector ( named " XXXX XXXX with phone # XXXX from Lakesie Receivables LLC ) is contacting me at my home and work and my family ( wife and daugher ) repeatedly looking for my NEPHEW who owes a debt. The debt is NOT my debt and is for a nephew we have not seen in years. I have told the debt collector we do not see, and have not seen, my nephew and do not know where he is but they keep calling and do not stop. Again, I have nothing to do with this debt or my nephew who supposedly has a debt with them.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX  XXXX
Product: Debt collection

We notice a problem, were we were indicated about amount due by a company we do not have ever done Business with ever. we call the XXXX XXXX Department, I inform this was a wrong account been sent to. They ask for a police report it was provided, later they sent information this account has been close. 

I suddenly received a letter from this company please look at the XXXX XXXX XXXX, was dated on the letter XX/XX/24. 

Also envelop has no date stamp in order to determine when this letter was summited, I see this a deceiving tactics. 


I will like original documentation from original complain made from XXXX back sometime when informed to proceed a police report for identity theft and final conclusion. 

I reinstate my concern before hand this is not, has not been our account, ever have ask for any XXXX services ever. 

Therefore from here after, and before, and thereafter, we ask this to be exhume, remove and exonerated this false statement 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 LVNV Funding LLC. added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Student loan

Called into Nelnet after a primary wage earner layoff in XXXX to discuss Covid forbearance options? Was told all loans were in forbearance and to not worry. Now a year later we called to check in. And were told our loans were not in forbearance and Nelnet has accrued {$2000.00} in interest on the account. No paper records were sent out to notify us that we did not qualify for forbearance because our payment schedule was advanced because we had been paying ahead. No paper documents were sent out to notify us of this nor notifying us that we had to apply for forbearance because our loans were prior to XXXX. Nelnet stated they called but left no messages, no paper documents were sent. We are very disgusted with this business practice. Looking for other individuals who also had this happen to them. Looking to band together For class action lawsuit. Email
Product: Credit reporting

Transunion ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Transunion 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Transunion provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX.