23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was victim of a wire fraud where some fraudsters pretended to be our title company and asked us to wire our downpayment to a fraud account at Citi bank. I wired the amount of {$87000.00} through my XXXX XXXX checking account and noticed on the following day that the transaction was all a fraud. 
I immediately reported to XXXX XXXX the following day and initiated a wire recall with Citi Bank. Citi bank wire fraud department confirmed with the XXXX XXXX XXXX Department that the fraud bank account is frozen. Citi bank requested a filed police report that I provided through XXXX XXXX immediately. After a month, I was told by a Citi bank banker and by my XXXX XXXX banker that the funds were released to the customer of the Citi bank account holder instead of being wired back to me. After a month long trauma, I am now realizing that my savings for buying a home are all gone due to mishandling of the wire recall process by Citi Bank.
Product: Credit reporting or other personal consumer reports

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. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these inquiries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, WI BANKRUPTCY XXXX Account # 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 card or prepaid card

My Bank of America credit card account number XXXX XXXX XXXX XXXX was closed and there was a {$400.00} credit balance. At first they were going to send me the credit via EFT, then I received a {$400.00} check in the mail and deposited it in good faith that was on a Saturday evening at an ATM machine on XX/XX/20 and then on XX/XX/20 I received a letter stating they put a stop payment on the check and were going to apply the {$400.00} back to the credit card ending in XXXX that is closed. This all makes no sense. 

I am expecting them to refund my {$400.00} credit balance and refund the {$19.00} Returned Deposited Item Fee charged by my bank.
Product: Student loan

Like a desperate college student, I got a private Hesaa NJ Class Loan. I defaulted on the loan, my parent and I put down a large lump sum amount. I was put on a temporary payment plan to give me time to pay the rest. However, if you do n't have the money, you do n't have the money. I made all my payments on time. Received a letter that the balance XXXX was due, called the Attorneys to continue this payment plan, because my family do n't have the lump sum to pay off. We cant get a loan, because this loan in preventing us from getting any outside Loan. So we are stuck. Hesaa, please give families that have defaulted on your NJ CLASS LOAN the ability to rehabilitate their loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : U.S Bankruptcy Court account # XXXX have violated my rights. 

XXXX XXXX XXXX account # XXXX have violated my rights. 

XXXX XXXX XXXX  account # XXXX have violated my rights.

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit limit was lowered from {$13000.00} to {$1500.00} at XXXX Bank. {$8500.00} to {$4000.00} at XXXX bank. This caused my XXXX XXXX XXXX to lower l because of the credit utilization increase to 73 %, which in turn raised my Interest rates on the cards. This negative effect was caused by the XXXX agencies. Experian, XXXX and XXXX. 
My XXXX score was XXXX and dropped down to XXXX overnight.
Product: Student loan

I applied for XXXX and should be in the XXXX forbearance that lasts at least six months but MOHELA is demanding a payment in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several times to Experian fraud department a police report and FTC report with court records showing the loans through XXXX and XXXX and XXXX  XXXX XXXX are not mine. The police went to the dealerships and viewed the tapes from the purchase of those cars and saw it was XXXX XXXX XXXX using my information, A Judge in XXXX NC Named Judge XXXX issued several XXXX  for XXXX XXXX XXXX XXXX  for using my identity. Those three auto loans are not mine. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan

I had a payday loan due date on XXXX of {$330.00}. Came to the office to pay cash, they did not take payment because they said they already got at XXXX money from the bank from my debit card. I went to the bank to deposit {$330.00} and in the bank they told me that charge was {$250.00}. I called Rapid Cash and they said it was a charge of {$20.00} because they tried to withdraw money twice that day
Product: Credit card or prepaid card

Dear Sir, During the COVID-19 times, I tried my very best to keep up with my payment.

I always paid my Bank America Bill on time way beyond the minimum balance. In my XX/XX/2020 statement BOA charge me a {$25.00} late fee. I tried to reach out to BOA several times, I was told there is nothing they can not do. During this time, I do not want to defer any payment, I want to continue paying my bills and I respectfully ask the bank of America to wave the late fee due to hardship during COVID-19, Bank of America refuses to wave a XXXX late fee, I can not believe this. 

I need CFPB to help me get this late fee wave. I strongly believe that this late fee should be forgiven due to a hard time because of COVID-19. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XX/XX/2019, I was having problems making my VA mortgage payments. Called XXXX ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with XXXX - towards the end of the payment program, I started making large payments. 

XXXX has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and XXXX does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with TransUnion,  XXXX , and  XXXX . After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter one more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off EARLY several loans with Affirm.com, and after making the full payment they listed in order to payoff loans, they then added XXXX XXXX  to the balance then requiring a future additional payment. 
Then when I tried to pay that XXXX XXXX, their system said I could not and required a minimum payment of XXXX XXXX. When I tried to make a XXXX XXXX  payment, Affirm refused the payment saying they couldn't accept it. 
So now I have a balance on loan that was paid in full and Affirm will NOT fix the problem.
Product: Credit reporting

The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a delinquencies on my XXXX credit bureau reports. I have submitted my dispute with XXXX and TansUnion and am looking for an urgent timely response. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. XXXX Bank is unable to verify the delinquency. 

Please refer to the captures uploaded as images for information.
Product: Mortgage

XXXXIn XX/XX/XXXX I protested the value of my property that Bank of America gave me a mortgage for in XXXX. 
-The property value dropped from {$720000.00} to about {$670000.00}. 
-At about the same time, Bank of America notified me that my monthly amount went up because they were applying the escrow amount on {$720000.00}. 
-Beginning in XX/XX/XXXX through XX/XX/XXXX, automatic payments were made to Bank of America , but BOA rejected the payments because they did not match the escrow amount based on {$720000.00}. 
-Bank of America charged me late fees XXXX XXXX. 
-Bank of America misreported this activity to the Credit Bureaus, dropping my credit score 100 points. 

-XX/XX/XXXX Bank of America mailed me a LATE CHARGE REFUND check for XXXX XXXX!!! 

-Bank of America needs to UPDATE THE 4 CREDIT BUREAUS that I was not actually late on any payments.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Upon reviewing the report recently, I discovered discrepancies that require immediate attention and correction. These inaccuracies with your company not only tarnish my creditworthiness but also affect my financial opportunities and standing. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : ComenityCB/ModellsMVP Account Number : XXXX
Product: Vehicle loan or lease

I have purchased a car using Carvana online. XXXX used XXXX XXXX. I received documents from loan servicer XXXX which I did not consent to. XXXX have been charging me excessive interest and fees for contract with no agreement. I became ill and was unable to work as of XX/XX/XXXX. Today my car was repossessed illegal by Carvana/XXXX in which they are demanding payment {$3000.00} before returning the vehicle. I refuse to pay this debt due to billing error dispute pursuant to 15 USC 1666a. I have the right to withold payment. The original contract stated the finance charge is the sum of all charges. Where does the additional balance arrive from?
Product: Credit reporting or other personal consumer reports

Tenant filings appear on my credit report. These filings are not my fault, as court papers were wrongfully filed during my time in low-income housing. At that point, I had no income, which meant I had no rent to pay. Somehow, apartment numbers got mixed up, and I received court papers that were not intended for my apartment. This situation persisted for months until management resolved the issue. I never owed any money, and I was never evicted from the property. Despite this, these filings are hindering my progress and preventing me from advancing in life.
Product: Credit reporting or other personal consumer reports

As a consumer, Transunion has violated my federally protected consumer rights under the Fair Credit Reporting Act. After multiple requests to delete negative accounts, Transunion continues to violate my consumer rights. I did not give Transunion my written permission or instructions to furnish the below negative accounts on my consumer report. I have requested documentary proofs giving only Transunion my written permission or instructions to furnish the below negative accounts on my consumer report, which Transunion never provided to me. According to the Fair Credit Reporting Act, 15 US Code 1681 states that I have a right to privacy and confidentiality. 15 US Code 1681 also states that a consumer reporting agency can not furnish an account without my written permission and instructions. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please see attached...
Product: Debt collection

I called XXXX XXXX XXXX and notified them that I wanted to cancel my phone service. They gave me a cancellation fee which I paid and I have a confirmation number. Months later I received a collections bill from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per XX/XX/XXXX, I received a notice from NELNET/Department of Education that I received a total and permanent discharge of my student loans ( TPD ). This is not accurately reflected in all three credit bureaus. When I disputed the claim with XXXX in late XXXX, for example, XXXX returned information saying that it was accurate. 

Further, my account with Nelnet is reflecting a past due balance and after repeated communication, they have not responded or resolved the issue. 

Something is wrong with their system and it is costing me money. Thank you.
Product: Checking or savings account

Subject : Complaint Against Chase Bank for Unjustified Account Closure and Prolonged Holding of My Legitimate Assets Dear Consumer Financial Protection Bureau, I am writing to express my serious concerns and distress over Chase Bank 's unreasonable closure of my account and prolonged withholding of my legitimate assets. Their actions have caused me significant harm and have severely impacted my daily life. 
The extended retention of my funds has led to a detrimental drop in my personal credit score as I have been unable to make timely credit card payments. All my money is held within this Chase account, leaving me without even the means to afford basic necessities like food. 
Despite numerous attempts to communicate with Chase customer service, I have been met with resistance and lack of assistance. Notably, a representative from Chase 's fraud department named XXXX displayed particularly egregious behavior. Upon sensing my intention to lodge a complaint, XXXX refused to provide their employee ID, made baseless accusations that I was profiting from my personal account, and attempted to manipulate me verbally into admitting as such. This conduct has added to the distress I am experiencing. 
Given the grave implications of this ordeal on my life, I am urgently requesting : Immediate reinstatement and unlocking of my account. 
The prompt return of my legitimate assets. 
Restoration of my account functionalities. 
Compensation for the distress, inconvenience, and financial loss incurred due to their actions. 
I am relying on the Consumer Financial Protection Bureau 's assistance in resolving this urgent matter, restoring my trust in the banking system, and ensuring that such actions by financial institutions are addressed swiftly and justly. 
Thank you for your attention and intervention. I await your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. These addresses were used to open accounts in my name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the accounts in my name that stems from the identity theft : 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 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 A copy of an FTC report listing the ACCOUNTS, ADDRESSES AND INQUIRIES opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addressesand inquiries. The aforementioned inquiries and addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission and also a Police Report from the XXXX  XXXX XXXX demonstrating that the Addresses, Accounts and Inquiries listed above are all the product of fraud and identity theft.
Product: Student loan

Applied for loan consolidation on XX/XX/XXXX, Application has shown pending since then. 

I've called the servicer numerous times and they say they don't seey account and can't help with pending loans. I was told to call the department of education however they just have a recording saying contact servicer then they disconnect the call. 

My current servicer says the new servicer pulled my loan info from them in XXXX XX/XX/XXXX I filed a complaint with the ombudsman and have not received a response.
Product: Debt collection

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX IS HARASSING ME FOR DEBT THAT IS OVER 12 YEARS OLD, THE COMPANY TOOK OVER {$1200.00} FROM A XXXX XXXX ACCOUNT. 
THE COMPANY HAS SENT A COURT ORDER SAYING THAT THEY WILL TAKE GARNISH MY PERSONAL PROPERTY. THE ACTION IS BEING TAKEN VIA XXXX XXXX XXXX XXXX, XXXXXXXX XXXX I REQUEST THAT THIS ACTION STOP AND MY XXXX DOLLARS BE REFUNDED.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require us to eradicate any inaccurate accounts from my credit report. Would you mind verifying the documents? There are discrepancies in some of the listed accounts regarding their reporting.
Product: Debt collection

I was contacted by Receivables Performance Management, LLC ( RPM ) located out of XXXX Washington. RPM called my cell phone about XXXX times and continued to call me XXXX times after telling them to stop calling which was about the XXXX phone call made to my cell phone. 

I have never heard from this company and have never had any account with or never given them my private mobile number. They admitted they were attempting to reach another person that I have no knowledge of.
Product: Mortgage

I received XXXX returned check notices from my bank. Both notices were for large amounts of cash to be paid to a mortgage company that is not my lender. 
Date Amount check no action taken fee chargedXX/XX/2015 {$3000.00} XXXX Returned $ XXXXXX/XX/2015 {$3000.00} XXXX Returned $ XXXXThe company trying to access the funds was Freedom Mortgage Company which is not my Mortgage Co ( Lender ) I contacted them and they denied trying to access money from my account. The bank gave me their name. I spoke with a XXXX at XXXX. I contacted my Mortgage lender to see if my account had been transferred to Freedom Mortgage and they said it had not been transferred. I do n't know how they got my banking information and the amount they were trying to access is double of what I pay to my mortgage company. The name of my mortgage company is XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and spoke with XXXX XXXX. I was treated as a criminal and not a consumer. They treated my call as frivolous. I try to be proactive and get notified when my credit file is being used and I don't feel supported by the credit bureaus. I have a police report number in the letter I attached to this complaint as well as a complete Identity Theft report. The inquiries listed were not authorized by me. I did my due diligence and contacted the creditors directly. They could not validate the information. They could not help me find out who apply by giving an IP address etc. They were not helpful.
Product: Credit card or prepaid card

I recieved a vanilla gift card for {$100.00} for XXXX. I have tried to use it and it does not work. I tried to go online and it does says there is a system error - try back later. I spent 45 minutes on hold today only to be told sorry your card is empty. I have not used the card. My XXXX XXXX XXXX mother purchased it on XX/XX/XXXX from a XXXX XXXX in XXXX, TX and it was in her pocession until XX/XX/XXXX. I have had the card in my pocession since that time. Their response is we are sorry.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX  has been disputed on 4 occasion since XX/XX/2021 ; however, I have not received any correspondence for them. The credit bureaus has not been able to validate this account. There is a lot of inaccurate information reported to this account that is hindering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX  XXXX CO is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # XXXX