23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I got a free copy of my credit report from XXXX XXXXXXXX  report, and theres are XXXX requests for credit that I never applied for or gave permission for and I don't understand how or why they are on my credit report. My fear is this could be a sign of attempted identity theft, I have done fraud report on the FTC website and identity theft reports on the goverment website. I am also putting fraud alerts on my credit and I have signed up for credit monitoring service so I can make sure to be notified if this happens again. I have done research and I've found this under The Fair Credit Reporting Act law. ( 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt ). That is what I'm doing, I'm requesting to have all these fraudelent credit inquiries removed from my credit report. As I said I didn't apply for anything, sign anything or give anyone permission to look at my credit for any reason whatsoever so these inquiries are unauthorized. I called Trans Union Credit Bureau and explained everything to them. They told me I had to contact the companies that did the credit inquiry to have it removed. So I did what they said, I called the phone numbers listed with the inquiry and explained to them that I wanted them to remove their unauthorized credit inquiry from Trans Union. They all gave me basically the same exact response, we can't remove the inquiry you have to call Trans Union, only Trans Union can remove the inquiry. So I then called Trans Union again and told them what the companies said, and they refused to help me. So I did more research and found that I could file a complaint with CFPB over companies not following the law, and have the CFPB contact Trans Union and have them remove these fraudelent credit inquiries. I don't want to get anyone in trouble, I just want them to stop violating my rights under Fair Credit Reporting Act law.
Product: Credit reporting or other personal consumer reports

Around the date of XX/XX/2022 I applied and got approved for a XXXX XXXX back XXXX XXXX XXXX. I paid my credit card on time and accordingly for 6 months. Events that took place in my life caused me to fall behind on my bills which caused XXXX to report 12 months of late negative history on my report. The FCRA clearly states under 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are still reporting this information to my consumer reports. Furthermore the account is listed as Charge-Off and to my understanding by definition The IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate.
Product: Checking or savings account

This transaction happened in the year I opened my account through my accountant at Chase Bank on XXXX in XXXX after I had been working there in XXXX as a teller and banker. I transferred my XXXX from the XXXX in XXXX XXXX XXXXXXXX that I used to work at in college as well as some other XXXX and career and business earnings. The total was XXXX XXXX that I invested in my account. 
I was approached by a home developer who wanted me to invest in his housing and buy a neighborhood he had just built. I told him I would consider his business deal. So, I told the bank president I would like to complete this transaction with the builder. He was supposed to meet me at the bank but never showed up to finalize The president told me she would draft a contract or bill of sale for the neighborhood development which has the building company business name on it for a loan against my account from the bank entitling him to sign the completed contract and accept the money in my account. 
My ex husband and father of my XXXX children is currently working as a manager at the bank since I left, and he had the name on my account changed to the name of the builder. So I can not access my account, nor receive money nor make transfers and I believe this is an error because i was told that this was not going to happen as part of the loan process through the bank and its presidents office and I feel i am being violated as a customer by how and when I can spend my money. My checks are not being accepted anywhere and XXXX cant pay my property taxes or support myself. I am barely surviving.
Product: Payday loan, title loan, or personal loan

Last year approximately XX/XX/XXXX I paid Mariner Finance a lump sum payment of around {$3100.00}. This was for the purpose of paying off my loan. I considered the matter closed. However, it has come to my attention that there remained a balance of {$87.00}. Now they insist that I owe them {$540.00}. I was unaware that the amount did not match the payoff. I have talked to them at length regarding the issue. I received no emails or regular mail regarding the issue. They claim everything is done with paperless billing. I never set up a paperless billing account?? They have acknowledge that it appears my intent was to pay the loan off in fullbut are telling me my only option is to pay the {$540.00}. I asked why this wasnt reported to the credit collection department and they said because I was paid up till some time in XXXX! So, the account is actively open, Im not late, and no payment is due till some time in XXXX?!! 
THIS IS SOME SHADY LENDING!! PLEASE HELP ME!
Product: Mortgage

Company Name : loan depot Closing date XXXX When we applied for the loan we were given 2 options, 1 with escrow tax and insurance and the second without escrow on tax and insurance at a higher interest rate. We chose to not to escrow the taxes and insurance. 

After we paid for the appraisal and 3 to 4 weeks passed. I was advised by loan depot that they could not escrow the flood insurance they did not know why. But they still charged us the higher rate. 

After that we received 6 closing disclosers from loan depot for our approval which stated that it included some of the home owners insurance on all of the approved disclosers. 

On the closing date we signed all the documents including the HUD disclosers as per the agreement again it included some of the homeowners insurance. 

The 3 days right of cancelation passed and loan depot funded the loan to the title company they called the title company and asked them if they had payed the mortgages off. After the title company advised them that they had then loan depot advised the title company that The borrowers would be getting less money as they did not included the flood insurance in the closing amount. Then loan depot changed the closing discloser to reflect the new closing amount and changed the monthly payment to include the escrow of the flood insurance. 

Let me be clear we did not approve this change or signed any new HUD closing disclosers. We were not asked by the title company or loan Depot to sigh or approval any of the changes they made without our knowledge nor were we giving the right to challenge or refuse the change. 

All this was done after they funded they knew that there was an issue but waited to fund first. 

We called and left a message at loan depot to find out what was going on with a manager regarding the lower cash back amount but they never replied. 

Later that day the person that was working with us called to apologize and that he saw what happened and that it was not right but that there was nothing he could due as it was done by management above him. He also sent us the new closing discloser with the changes they made. 

He said he was doing this on his own because he felt bad about what happened. 

We would like to know what document 's were sent to HUD? 

What are the official documents the ones we received at closing or the ones loan depot changed without our approval or knowledge? 

Is this even legal? 

So we ended up with a higher payment and received less money at closing. 

Me and my wife are licensed XXXX XXXXXXXX XXXX and XXXX  we have done many closing in the last 20 years and never see anything like this. 

Please let us know if you require any additional information. 

Thank you
Product: Credit reporting or other personal consumer reports

I am currently rewriting my complaint with GM FINANCIAL concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. 
GM FINANCIAL claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX XXXX ran and pulled a hard credit when i only asked about their services as i told them not too because i already knew my credit score was poor and they ran may credit as a hard inquiry. Never received no paperwork of why they ran my credit report.
Product: Debt collection

The Simons agency robo calls me at least 10 times a day. It is to the point where it is affecting my daily life. Ive asked them repeatedly to stop with all the calls and they will not stop.
Product: Credit card or prepaid card

RE : SUSPENSION of Cash Rewards Programa by Penfed - LOST OR STOLEN OVER {$16000.00} On XX/XX/2022, I received a letter informing me that the " Cash Rewards '' program for my Pendfed card has been suspended. I have been a long time loyal Penfed customer. My relationship with Penfed is one of several years and complete. This relationship is made up of : bank accounts, savings certificates, credit cards, and vehicle loans and personal loans. It has always paid my obligations without arrears and as a loyal client of Penfed.

Penfed claims that I have been using the card inconsistent with the rewards program.

We submit several claims to Penfed including evidence of the expenses paid with the credit card wich include : General expenses, utilities and taxes payments. 

I always thought that by using the card according to its slogan ( XXXX XXXX  XXXX Rewards Visa Card gives you 2 % cash back on all purchases with no limits on how much you can earn ) on all purchases, services and consumptions, I would become a better and more loyal customer to Penfed, not get penalized.

The reward program was supended and i was not able to redeem the accrued reward poits. At that time I have over {$16000.00} accrued on cash rewards. LOST OR STOLEN. 

No previews orientation was given about its rules and how they could penalize me. These rules are contrary to the " slogan '' they promote ( 2 % cash back on all purchases with no limits on how much you can earn ), so I consider it a MISLEADING ADVERTISEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 As a consumer by law, this account must be deleted immediately XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX FDCPA Section XXXX Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my account with Nissan was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : Nissan Motor Acceptance Company, LLC Client Account # : XXXX Our Account # : XXXX Original Creditor : Nissan Motor Acceptance Corp This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : XXXX
Product: Credit card or prepaid card

Wells Fargo, who has already admitted to opening TWO fake accounts in our family members names, recently sent me TWO new debit cards in my name. These cards were not requested, and they are separate accounts from each other and seperate accounts from our personal accounts. These came in seperate mailings, and are further evidence of FRAUD of this bank. We recently bought a home, and we believe that these 2 additional credit cards may have affected our credit score negatively, causing us to have a higher interest rate. My husband and I are furious and disgusted with this bank, and need the authorities to stand up to this fraudulent institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry XX/XX/2017 XXXX. I did not authorize this inquiry. I reached out to them they said they would remove it
Product: Credit reporting

After looking at my credit report, I saw a collection account that does not belong to me. I am not allowed to dispute this information online on Experian or over the phone making it impossible for me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine.
Product: Debt collection

XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from Credit Collection Services, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to XXXX, also known as XXXX ( according to XXXX ). In XXXX of XXXX I called XXXX at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX XXXX. In XXXX on XX/XX/XXXX I received another collections notice from XXXX and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from Credit Collection Services for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure CCS refunds my husband 's XXXX XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP. 


XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

My information has been leaked in several companies and I have things that are untrue on my credit report, including bank accounts being opened, credit inquiries and collections on my account that I am not responsible for!! I have hired credit repair services and even had had my tax information compromised, being that when I file I have to use a security key because the XXXX  HAS informed me of this. I had no knowledge of it!!! How can this help me???? please help
Product: Mortgage

We started the process 10 months ago I XXXX of 2020. I have gone through at least three lenders at fifth third and given them the same documents at least three times. So now they want to start all over again because they dropped the ball. Im a CPA and this is my busiest time and its really a hardship on me to resend all the documents again and I may have to pay for another appraisal. I dont think this is fair. Also they have pulled my credit three times and caused it to decrease along with my husbands and have already put their name on my homeowners insurance policy. When I inquired about it they said it was normal, I dont think so. These are a few of the issues.
Product: Debt collection

Debt collector ( XXXX  XXXX  ) contacts me multiple times per day. They leave a voicemail message if I do not answer, which counts as contact. As an example, they called me twice on XX/XX/2020 from phone number XXXX at XXXX and XXXX. They left a voicemail message at XXXX, but continued to contact me. I have spoken with the company previously and advised them they are in direct violation of consumer rights. They have disregarded my requests to stop contacting me, and continue to do so. 

Additional number they have called from : XXXX XX/XX/2020 at XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX They are very clearly number spoofing in an effort to have me answer their phone calls, which is another clear violation.
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, 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX| received a payment through PayPal of XXXX dollars for couches I was selling off of XXXX XXXX. I was charged a " Seller 's Protection '' fee from PayPal for XXXX so only received XXXX of the XXXX payment which I transferred to my bank. 

The transaction went through and everything seemed fine. However, on XX/XX/XXXX I received an email saying the buyer filed a case stating they did not make this purchase. In the same email it stated I was eligible for " Seller 's Protection '' and to provide information in the resolution center. 
I uploaded screenshots, pictures, and video evidence of the customer physically loading the couches into his XXXX and driving away. 

In the full length video, which I was unable to provide in entirety due to an upload limitation you can hear the customer confirming if the PayPal payment went through. I called PayPal to let them know what was going on and that I had additional evidence if there was any question and was just told they would reach out if anything was needed. 

On XX/XX/XXXX| received a case update saying the transaction was not covered because I failed to provide " proof of shipment '' and that I will be charged an additional " dispute fee '' of XXXX dollars. 

I have reached out to PayPal numerous times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX since the beginning of this dispute and have heard multiple reasons as to why they are failing to provided the " sellers protection '' that was purchased. Reasons anywhere from I never had sellers protection to I didn't provide a tracking number, to they are just the middle man and are unable to do anything since it was initiated through the customers bank ( XXXX ). 

I'm overall frustrated that PayPal has not only forced me to give away my reclining sofa set for free but also charged me XXXX in the process. So in reality, l 've paid XXXX for someone to steal my couches, being scammed not only by the customer but PayPal as a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Recovery Services is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 that a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

Aside from the fact that this government does not care about the generations of XXXX that had to take out XXXX XXXX  only to have to be transferred to the worst loan servicer after being promised that even though you can not forgive our loans, that we would at least have an easier time paying it off. NELNET LOAN SERVICER has been the absolute worse experience I have ever had. I had applied for the SAVE plan and had made significantly less money since I had been on maternity leave for the last 2 months and first 3 months of the year. I had resubmitted my application in XXXX of 2023. I got a notification in XXXX that I had to pay the same amount I was paying 3 years ago before COVID. THEN to make matters worse I see that my payment has been applied to my interest instead of my principle, which we had already seen had screwed many people over in the last 10 years since it causes the loan to continue to accrue interest on an amount of money that has been paid for the last 7 years but has not moved a needle on the principle. I have tried to get in touch with them and its almost a 2 hour wait on the phone only for the lady to read some script off a screen and try to interrupt the answer of my questions without actually having any knowledge. I had reapplied for SAVE again after resubmitting my pay stub to NELNET in XXXX. I am not set to pay anything until XXXX yet my interest continues to climb and they applied my last payment to my interest. I have found this site to file a complaint because I found a website with complaints from other people who had the same issues with Nelnet. I did not agree to have this loan servicer. I was just transferred from Great Lakes. My husband has a different loan servicer and he makes more than me a year but I owe more a month than he does. Something smells fishy and corrupt going on. Please I beg of you, on behalf of all the XXXX who took out Loans and are struggling. I am a XXXX XXXX XXXX who worked all throughout the pandemic and this is the thank you we get from the government. Please fix this matter!!!!!