23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent account # XXXX XXXX XXXX XXXX for, {$930.00} has violated my rights. 

15 U.S.C 1681 Section 602.A states I have the right to privacy.

15 U.S.C 1681 section 604.A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 



In accordance with the Fair Credit Reporting Act convergent account # XXXX XXXX XXXX XXXX for {$140.00} 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 instruction. 



In accordance with the Fair Credit Reporting Act convergent account # XXXX XXXX, XXXX XXXX for 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. A section 604.A.2 It also states a consumer reporting agency can not furnish a account without my written instruction. 



In accordance with the Fair credit Reporting Act convergent account # XXXX XXXX XXXX bord for 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.2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, Last 4 of XXXX XXXX, XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$330.00}. 
XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 
According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and XXXX XXXX Reporting Standards as well as this account removed. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited two checks online for equal amounts of XXXX using a mobile app. As required by the deposit process the check were endorsed with the inscription " for online deposit only at Navy Federal CU. '' The first check was accepted and the second was rejected because of password error. The following day I deposited the check on an ATM at a XXXX XXXX XXXX. On XX/XX/XXXX, while checking my NFCU account online, I noticed a deduction to my account of {$1000.00}, noting that my check had been returned for a " restrictive endorsement. '' This included a {$6.00} returned item fee. I contacted NFCU and was told that I would get the check returned in the mail. On XX/XX/XXXX, I received a leeter from NFCU with the same statement. On XXXX, I called NFCU stating that I had not received the check. I was told that I should receive it by XX/XX/XXXX. 
On XX/XX/XXXX I called NFCU and told I had not received the check. I ask the service representative to try and locate the check. She did and after some time told that they could not located the check. 
She told me to go to the XXXX XXXX and ask the personnel at the branch for information. 
I am out {$1000.00} plus {$6.00} return fee for a check that has not been returned.
Product: Mortgage

I've been attempting to refinance my house since beginning of this year. After submitting CFPB complaint XXXX due to lack of response on XX/XX/2020, Lakeview referred me to XXXX ( another company under the umbrella company ) for refinance. I was referred on XX/XX/2020. 

My house STILL is not refinanced and there is no timely updates. Lakeview as a whole including all the subsidiaries seems to have an issue with prompt service and giving consumers the runaround. We are approaching 3 months with nothing done. 

I'd like the refinance to be complete and/or existing mortgage interest rate to be reduced by Lakeview. The delay has been solely due to Lakeview and it's subsidiaries incompetence, negligence and  inefficiency. 

My goal is to avoid legal action.
Product: Mortgage

I was offered forbearance by BOA by email and was approved for 3 months ending XX/XX/2020. I was promised under CARES that I will get up to 180 days extension once this period is ending, but BOA is not approving my forebearance extension for over 2 months now in flagrant violation of XXXX and CARES guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting-acXXXX XXXX Account # XXXX,

has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I am writing to file a formal complaint against Home Depot Credit/Store Card via Citi Financial regarding persistent and intrusive phone calls and unauthorized transactions on my account. The details of the complaint are as follows : Harassment through Multiple Phone Calls : Over the past month ( XXXX XXXX ), I have been subjected to relentless harassment by Citi Financial through multiple phone calls daily, at various time frames, XXXX days a week. It is essential to note that I have never provided my new phone number to Citi Financial, and despite my repeated requests for them to cease these constant phone calls, they have continued unabated.

Unauthorized Transactions : Furthermore, I recently discovered that Citi Financial has been deducting funds from my account since XXXX of XXXX  in varying amounts without my explicit permission. This has occurred even after the closure of the account in question and removal of payment sources from their website. I have reached out to Citi Financial via written correspondence, questioning the basis for these transactions and seeking an explanation for their actions. However, I have received no response from the company regarding the unauthorized withdrawals. 

I am deeply concerned about the impact of these intrusive and unauthorized actions on my financial well-being. The constant harassment and unauthorized transactions have caused significant distress, and I believe that Citi Financials ' conduct is not only unethical but also potentially illegal.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Citi Financial to halt the harassment and ensure the restitution of funds wrongfully taken from my account.
Product: Checking or savings account

On XXXX XXXX I made a purchase using my Ally bank debit card for auto parts with an online retailer XXXX XXXX. Unfortunately, I never received my order because it was likely delivered to the wrong location. The merchant didnt request a signature so this ultimately allowed XXXX the authority to leave the package wherever they wanted. It was unusual because it was a large item. After not receiving my item I contacted the merchant and was denied a replacement or a refund. I contacted my bank in XXXX to file a dispute and didnt actually get the proper paperwork from Ally Bank until XXXX. Paperwork was initially submitted on the XXXX, the merchant has still not responded as of XX/XX/XXXX, and I still have yet to receive the adjustment to my account. I was told Id have a decision within XXXX business days and now its been changed to 45 days. I also contacted XXXX so they could investigate and they advised me to contact the merchant so they could file a claim so I can be reimbursed but the merchant is not being helpful and doesnt want to accept responsibility for their negligence in this matter. According to their XXXX report they XXXX XXXX has a long standing history of sendingghost orders, not sending correct items ordered, and swindling customers by making them pay outrageous return fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Calvary Portfolio Serv XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX - I twice attempted to start a credit freeze with Experian on my credit report. Experian declined to provide me with a security freeze on my credit report. They failed to provide a reason for their denial. They indicated I was required to submit a police report or complaint of fraud violation. They were not helpful in providing me with information or facilitating my attempts to freeze my credit report. 

I was successful in freezing my credit report with XXXX  and XXXX XXXX with no issues.
Product: Credit reporting or other personal consumer reports

Approved for secured credit card with Discover. XXXX security deposit and XXXX credit limit. I paid early and consistently until I suffered a work injury that rendered me XXXX. My account balance was approx XXXX I asked why they could not apply deposit to pay off amount owed and even stated to keep the amount left out of the security deposit. I was told it had been charged off, however it was not until this year and the company charged me interest up until then. I did not use the card after the balance was XXXX approx, due to not having income but Discover decided to keep the XXXX security deposit, lied about the account being charged off and charged interest on my account. It's in collections now and right at XXXX owed. I also received reward checks every so often from Discover, money back on our purchases, I received a XXXX approx check back in XXXX, XX/XX/ approx from Discover and haven't used the card. Is this legal?
Product: Payday loan, title loan, personal loan, or advance loan

Another fraudulent app I specifically informed company to take what I owed XX/XX/2025 but they couldnt wait and went into my account without my consent and made an attempt causing me a return fee of {$29.00} I have filed bankruptcy and have an attorney and Brigit has no authorization to withdraw funds on or about XX/XX/2025
Product: Vehicle loan or lease

I bought my car in the year XXXX  through Santander consumer ; ironically the year before they were sued and had to either repay consumers for the payments and release the titles of the cars to them because of an undercover credit check they did. Ive always made my payments either on time or early. I had a financial hardship due to my son catching COVID and me being laid off and they said they would put my late payments on the end of my load.. well they didnt happen and long story short I let them have the car because I couldnt afford it. I am a mom of XXXX and had I had more time and they moved the payments I could have caught up but they lied and told me I qualified when in actuality I did not. Santander is a scam and they have terrible reviews, anyone that has been scammed by them she be reimbursed!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested that TransUnion and XXXX and XXXX XXXXXXXX XXXX conduct a proper investigation under 1681 and all sub chapters. They are continuing to violate 15 USC 1681 ( a ) 15 USC 1681 ( a ) and all the subchapters regarding reinvestigating procedures and 15 USC 1681 ( i ) On a previous dispute I received correspondence dated XX/XX/XXXX, stating that they were not going to conduct any further investigations and that all accounts were verified. I sent documentation regarding XXXX XXXX XXXX account number XXXX and that correspondence states that this loan was not approved and should never have been submitted as a debt on my credit file. Had TransUnion conducted a proper investigation that account should have been deleted immediately. A copy of the letter dated XX/XX/XXXX states that I was not approved for the loan. I have come to the conclusion that TransUnion is knowingly and intentionally with a deliberate indifference continuing to violate my consumer rights. The correspondence from TransUnion that I received has a file # XXXX ; TransUnion stated that they verified the following accounts Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name XXXX XXXX XXXX, Acct # XXXX Account Name XXXX XXXX XXXX XXXX, Acct # XXXX On XX/XX/XXXX, I requested a reinvestigation and TransUnion refuses to comply with the consumer protection laws that have been placed by congress to protect the consumers like myself. 
I am requesting that the Consumer Financial Protection Bureau conduct an investigation into the misconduct and unlawful practices by TransUnion.
Product: Student loan

My loan was successfully rehabbed and I have made  2  payments to the new owner of the loan,   XXXX   XXXX   XXXX  . As part of the rehab, I was told that the  XXXX  credit bureaus would be advised of my completion of the program, and the late or missed payments that took place during the rehab would be deleted from my credit report. Section  XXXX  states ( after loan rehab ), that the prior holder of the loan must : " request that any consumer reporting agency to which the default was reported remove the record of default from the borrower 's credit history '', and " the prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency, request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrowr 's credit history. To date, all  XXXX  credit bureaus still have negative information about my Navient account. It is aggravating that I have to follow up on this at all but I do n't feel that it should rest upon my shoulders to contact each bureau and dispute the status. Therefore, I am asking Navient to stand by the original terms of the rehab agreement and update all  XXXX  credit bureaus. I also respectfully ask that because the late payments before the rehab agreement corresponded with my diagnosis and treatment for  XXXX   XXXX   XXXX   XXXX , that those late payments also be deleted from my history. I understand it 's not required, but I am requesting that an exception be made given the circumstances. Than you.
Product: Checking or savings account

I opened a new checking account with Citibank on XX/XX/XXXX. With the application, I was asked to provide my username and password since I have a Citi credit card. I did. I funded the account and the money has successfully been withdrawn from my external account. I do not have any access to this account. They have not provided me an account number. I do have the last 4 digits. They have provided no virtual access. They have not provided any information to view or obtain access to my funds which have been withdrawn from my banking account. I contacted Citi on XXXX thinking it was just an error. I was advised by XXXX ( Employee XXXX ), a Citi Supervisor that I do not/willnot have any access to the account or funds until the debit card is received next week. This seems illegal. There is no way I am able to monitor account activity or even fraudulent activity. I have no access to view, withdraw or deposit in to this account.
Product: Mortgage

The SCAM company cancelled the payment of my hazard insurance renewal that they had ALREADY paid to XXXX XXXX co XX/XX/XXXX {$3400.00}, and it clearly is showing as paid on my XX/XX/XXXX statement. Which they have now XXXX my ability to download a copy. ( XXXX ) so professional. XXXX XXXX XXXX XXXX the payment {$3400.00} had been received and marked paid, and I got a letter from XXXX reflecting this paid renewal. SPS as of today XX/XX/XXXX has gone in and either cancelled the insurance payment or voided the check or stopped payment? It shows on SPS website they cancelled my insurance payment. Also, now today on XXXX it is now showing invalid. XXXX is going on here. You need to be shut down. FRAUD FRAUD FRAUD! I asked for a payoff XX/XX/XXXX and got it to try to see if I could sell my house because you are FORCING ME OUT after I reported you for refusing to assist after XXXX hurricanes and then refusing to give me address where to send my insurance proceed check to. Now FURTHER RETALIATION AGAINST ME WARRANTS LEGAL ACTION, you have again tried to FINANCALLY harm me by cancelling my homeowner 's insurance. Your website PAYOFF COPIES you keep generating over XXXX over XXXX ever changing your figures. WHY? ( I've only requested XXXX copy XX/XX/XXXX, and another copy was requested today XX/XX/XXXX. CLEARLY shows escrow in different amounts, you have since sent XXXX more payoff letters with different amounts, and now a third one escalated fee, YOU NEED AN AUDIT AND I'M GOING TO HELP YOU GET ONE. The last payoff you clearly stated you did not pay my hazard insurance ( after it shows you did! ) I have proof you did pay it and now your poor scandalous co. Are you so broke you take it back. HEY this is fraudulent activity and should be looked into. You have called me names left terrible voice mail messages for me called me XXXX XXXX and a few other unprofessional things. REFUSES TO WORK WITH ME IN ANY WAY SHAPE or FORM AFTER XXXX HURRICANES. Your company has caused me such stress that it is affecting my work and health. Now this is the final straw you paid the insurance premium and then stopped the payment I assume. Some REAL UNPROFESSIONAL & SHADY THINGS GOING ON HERE. At this point I'm fed up and mad. THE HOUSE IS NOT SOLD NO CLOSING HAS TAKEN PLACE HOW DARE YOU CANCEL THE INSURANCE.
Product: Credit reporting

That Transunion needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : 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 

I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Checking or savings account

In XX/XX/2021, HSBC advertised a {$450.00} welcome bonus for checking accounts opened. Terms were {$5000.00} direct deposited in first 3 months after account opened. The ads have since been changed to say " {$5000.00} per month '', and they are not honoring the bonus. 

I have contacted the company twice regarding this and they are pointing me to the NEW ads ( that say {$5000.00} monthly deposited ) which have been changed since XXXX.
Product: Vehicle loan or lease

From my calculations this company is charging me over 30 % interest. Roughly close to 45 % interest which is way higher than nys allows. I was under impression from dealer that it was going to be 16.9 % interest. Plus they made me put a down payment of {$1200.00} and made my payments {$510.00} a month on a 2016 XXXX Car with taxes was sitting at just under {$22000.00}. With interest rates loan went up to just under {$33000.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this