23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I received an email letting me know that a payment was coming for a payday loan. I immediately called Cash Advance Now and told them I did not have anything to do with taking a loan out. The representative told me he saw that the money went to another account that he could not identify ( after I identified the name of my current bank ). I asked him to email and mail me the contract that I supposedly signed, in which he stated he would. I never received the documents. 

On XX/XX/XXXX, I received a collections notice from them stating that the account was past due. I replied back to the email and spoke with a representative on XX/XX/XXXX and he informed to disregard as it had been taken care of. I asked for a letter telling me that it was taken and no other action needed before hanging up. 

On XX/XX/XXXX, I received another notice that said I was past due. I called customer service again and was told that I didn't need to worry and the letter will follow in 7-10 business, as soon as the account was closed. 

On XX/XX/XXXX, I received another email letting me know the account was still delinquent. I called and spoke to XXXX and he informed me that they never received the forms needed to research the account. I told him I'd never receive anything, in which he forwarded me the steps I needed to take, including creating and filing a complaint with ID Theft, which I completed on XX/XX/XXXX ( delay with the holidays, travel, and work ). I also sent a letter to them asking for details on the loan and proof that I signed it. I never heard back from them so I called them on XX/XX/XXXX and was told that they never received the documents requested. They resent me the email, in which I resent the documents to them. 

I emailed the team at Cash Advance and didn't back so I called them on XX/XX/XXXX and left a message. I have yet to hear back from them on this case.
Product: Credit reporting or other personal consumer reports

Social security is XXXX On experian credit report theirs is negative item called credit collection XXXX its a fraud account I filed a federal trade commission identity theft report on file please have experian remove the account
Product: Checking or savings account

I am writing a formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorize. However due to the delayed posting of charges and credits, I was unfairly charged overdraft fees. 
The issue appears with recent findings by CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently retrieved my credit report and it showed inquiries that I HAVE NO KNOWLEDGE OF EVER AUTHORIZING. I have tried reaching out to each lender, I provided them my personal information and the inquiry dates they was unable to pull up any information. I have no account with these lenders. The only authorized inquiries that should be reporting on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX those are the only inquiries that I authorized. Ive tried disputing them with transunion and they told me I had to file a report on here first. Please have these unapproved/unauthorized inquiries removed from my credit report within XXXX days its harming my ability to obtain new credit. Please remove immediately
Product: Checking or savings account

Flagstar recently updated their computer system. Now deposits from companies that I work for as well as social security and military retirement are not being updated in a timely manner ( should be at the beginning of the business day at the very least ) which means my account is not current. The result is the inability to draw on funds that I am told are there but the account is not updated so I risk overdraft or rejection for payment. This is unacceptable and the response from the bank is lackluster at best ( we are still working on the computer ). I have a right to timely and accurate account information and this needs to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian show 2 closed charge off accounts on my credit report. XXXX shows an open, re-aged account as of XX/XX/2019. I do not have ANY open accounts with XXXX XXXX. They are reporting incorrect and missing information. They have also listed the accounts as a profit loss and have wrote it off as bad debt but are still claiming a balance of these accounts. I disputed the information with XXXX, Experian and XXXX on XX/XX/2019. Subscriber reports dispute resolved - consumer disagrees was the result with the Bureau 's and XXXX XXXX not providing any proof of validation. The investigation was completed. The negative sill appears on my credit report. 
Their improper procedures are highly damaging to my credit score.  Please immediately delete these accounts.
Product: Mortgage

Mortgage was sold to Truist bank. I applied mortgage payment for XXXX & XX/XX/XXXX via my XXXX XXXX XXXX online bill pay services. Truist claims to have never received payment yet I have confirmation from my XXXX XXXX. I processed XX/XX/XXXX payment via XXXX online electronic pay. Again Truist denied receipt of payment. I went in to Truist bank location on XX/XX/XXXX and made a cash payment. Truist refused to acknowledge payment and have not returned funds. Additionally they refused to accept cash forms of payment and restricted payment to XXXX online processing only. I had to open an account with XXXX XXXX dollars and apply XXXX of XXXX dollars payment to satisfy account. Today I've noticed I have not received refund of XX/XX/XXXX XXXX payment and I have another debt to my account on XX/XX/XXXX for original payment they claimed they never received. I'm owed XXXX dollars refund and I believe this was done intentionally. How is it they never received XXXX and XXXX yet magically received XXXX after satisfying account. Truist is a scamming institution.
Product: Bank account or service

wells fargo gave me XXXX for forgives of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

In 2015 a salesman from XXXX talked me into getting an alarm system. 
He gave me a price and I accepted, but XXXX kept raising my bill, also the house is rented and my landlord rejected it. Another factor is I'm XXXX years old and XXXX XXXX XXXX  for XXXX  XXXX ... It turned out I had to stay at a VA hospital and wasn't home ... I called XXXX and begged to be released from the contract.Within 2 weeks they removed the equipment and I thought it was over. Next thing I know they referred the account to Perfection Collection and kept charging me monthly until the account rose higher and higher..I never received any letter of resolution from Perfection, the only way I found it was that my excellent credit took a serious hit..I keep getting refused for credit because of this collection company..It shows up bad everytime ... I need to erase this black mark as soon as possible..It is unfair, I was taken advantage of by XXXX because I suffer XXXX XXXX and didn't know for sure what the terms were. Can you please help me?
Product: Checking or savings account

Someone hacked my account deposited a fake check I asked them to fix the problem they closed my account after two weeks of waiting with no access to my account I was also denied my unlimited credit as well
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked any credit report I've noticed that someone has accessed my personal information. I've noticed that I have multiple inquiries on my credit report one from XXXX XXXX XXXX XXXX and two for XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX.
Product: Debt collection

I have contacted this company via phone call to inquire as to why they are reporting a false debt to my XXXX, XXXX, and XXXX accounts. As per conversation I asked if they can provide an original purchase agreement that includes my signature, social security number, and an updated address to ensure who the debt belongs to. They were unable to provide this information to me thus proving the invalidity of this account. It is illegal to report a false account on such platforms. Failure to provide information on a legal bidding contract is against the law. Eastern Account System does not have a purchase agreement that legally binds me to the debt, establishing the invalidity of this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent XXXX, XXXX and Transunion a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of XXXX from XXXX. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX XXXX.
Product: Mortgage

Nationstar Mortgage was supposed to apply the HAMP incentive ( Dodd Frank ) of {$5000.00}. to the principal balance of my loan on the 6th anniversary of my loan modification on XX/XX/XXXX and they have not done so as of XXXX XXXX, XXXX. My loan was sold to them by XXXX in XXXX XXXX and I followed up with inquiries as the 6th anniversary approached, sending them my copies of the documents XX/XX/XXXX. I followed up with phone conversations and was assured this was taken care of but as of today it had not been. A manager said he will escalate the research again today. I had been told XX/XX/XXXX it was being researched and on XXXX XXXX that the incentive was in process of being applied. According to the manager none of that had been done.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/2021 XXXX XXXX {$550.00} / XX/XX/2021
Product: Debt collection

I have attempted to have account disputed on XXXX.17 creditor is unable to verify debt in its full truthfulness. This is a violation of my HIPPA rights as this debt collector is not entitled to collect on a debt in the state of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and saw items that i didn't approve of neither do i recognize these items. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I still need these items to be removed from my credit report. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED.
Product: Checking or savings account

On XXXX XXXX, 2017 USAA closed my account and refused to return all funds owed to me. {$1100.00} was deposited into the ATM own by USAA, deposit was made by cash. USAA decided that the account transactions were fraud and informed me that no money would be returned. Ive contacted USAA several times and sent them all documents of identification proving that I am the actual account holder. On several occasions USAA has hung up the phone when I was addressing my concerns. USAA has never emailed me or mailed a letter about this situation all form of communication was started by myself the account holder
Product: Credit reporting or other personal consumer reports

Clarity is reportng my information without my consent. I never did any business with them and yet they have reported checking information, email, name, date of birth, and address to third party creditors and bureaus without my knowledge. They also reported balances inaccurately without my knowledge which is violating HIPPA law and 15.USC.1681C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting Act XXXX XXXX Account XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Debt collection

This company has put false information o. My credit report. The bad part is it has a wrong name on it as well. I have asked them to verify, they wont verify and Ive ask them to remove it and they will not remove it even though I have no idea who this company is and it has my incorrect name. I need those accounts from credit collection Serv to be removed immediately.
Product: Debt collection

XXXX XXXX XXXX continues to call and calls my work. They will nlt tell me what debt and it is clear that there is nothing as it does not show on my credit report. Nothing has been sent and i know my rights and send me a teue letter on the debt. This company is trying to scam me.
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 XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. 
The : following items need to investigate and corrected for erroneous reporting in my file are listed 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: Student loan

I applied for forgiveness under the PSLF program on XX/XX/2020. I have tried to check on the status of my application at least 7 times via phone and live chat and gotten incredibly inconsistent information about whether my application was received, whether it had been reviewed by Fedloan, when/if it had been sent to the dept of Ed, how long that process would take, and how I would be notified of its forgiveness. One representative even told me I wasn't entitled to know where my application currently was. I'm so frustrated with the misinformation and lack of transparency.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INQUIRES OCCURED ON MY CREDIT FILE FROM THREE COMPANIES. FIRST COMPANY IS LOAN DEPOT. XXXX ( XXXX ) FRAUDULENT INQUIRES OCUURED ON MY CREDIT FILE ON XX/XX/XXXX AND XXXX ( XXXX ) TIMES ON XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. 

" XXXX XXXX XXXX '' IS THE 2ND COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX. 

" XXXX XXXX '' IS THE 3RD COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2025 Ive contacted TransUnion at XXXX I spoke with a live rep by the name of XXXX about not having access to my online portal with TransUnion however its saying my account is suspended when it shouldnt be, yesterday XX/XX/2025 it says my fraud alert was placed back on and back off without my consent it shouldnt have been placed back onto my account without me doing so. However I was trying to dispute an account that shouldnt be on my credit report XXXX XXXX its repeating an amount of {$110.00} as of mortgage / rent I do not pay mortgage and I didnt report any lease of no kind for rent services with XXXX. I do have a XXXX  account but its a credit builder account thats it. This new account ruined my credit worthiness Ive dropped over XXXX with XXXX and XXXX with XXXX and TransUnion due XXXXo this error. I asked that it be investigated and removed from my credit report immediately. XXXX and XXXX are currently being sued due to not investigating, and reporting errors on consumer reports. This has caused me mental and physical stress.
Product: Credit reporting

This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. The account information is XXXX Account # XXXX XXXX {$390.00} XXXX and Acct # XXXX XXXX {$190.00} XXXX
Product: Mortgage

XX/XX/2021 I contacted Flagstar bank to refinance my loan. My income has reduced recently. A new mortgage with the low rates that are offered right now would reduce my payment to an affordable amount for me. I spoke with a XXXX. I was at work and did not have documents in front of me so I recited to him what I could remember about my income. He determined my debt by my credit report. He came up with a debt to income of 94 %! I knew something had to be wrong with this amount but he wasn't very clear about how he came up with that percentage ( He most likely counted my recently refinance truck 2x because its on my credit report 2x until the old company drops it off of my report ). I told XXXX that didn't seem correct. My debt to income IS the reason I need to refinance but it's not that bad. He repeated that he couldn't help me and we hung up. 
Since then I have called twice asking to speak to someone about refinancing because something needs to be done, soon. I've been transferred to a message machine, I've been told an email was sent out to XXXX to reopen the application ( I have copies of email ), I've emailed XXXX, all to no avail. No one from my lender will discuss what I can do. 
Then, on XX/XX/2021 I received a letter from my lender that they are raising my mortgage payment by {$100.00}. The same mortgage they couldn't refinance because my debt to income was not good enough they have just made worse. I called in XXXX I believe to ask for the PMI ( mortgage insurance ) could be removed and was told with my loan it can never be removed. 
Something needs to give here. My lender won't answer my emails, won't return my calls, won't communicate with me. I have never been late on my mortgage or anything else, I've never missed a mortgage payment or anything else, I have an excellent credit score of XXXX. I need my lender to work with me here before a problem starts like a missed payment which would lead to foreclosure problems. Anything besides this ignoring me would help. 
Thank You for your time. 
XXXX XXXX