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

On XXXX XXXX I signed up with an agent of Conns home plus for a settlement of my account in the amount of {$2700.00}. First payment was XXXX XXXX of {$900.00}. Then a monthly payment of XXXX was due from XX/XX/XXXX until XX/XX/2021. The every month conn report to the credit bureau that I owe a higher balance of XXXX and decrease it by a XXXX XXXX dollars. I disputed the balance online and they never updated but never updated to the correct balance. I called and talked to a representative who couldnt tell me anything. How, why, or who I would have to talk to directly to get it fixed. Ive been making on time payments since Ive agreed to the loan terms of the settlement and want to get it fixed. This was a last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$50.00} i ask to deleted this fraud account no method giving XXXX  XXXX  {$120.00} I ask for method of action for this account nothing giving XXXX  XXXX XXXX  {$560.00} I ask for method of method of this fraud account XXXX  XXXX XXXX {$82.00} I ask for method of this account nothing giving XXXX XXXX XXXX XXXX {$1600.00} I ask for info never was giving fraud XXXX XXXX XXXX  XXXX {$5700.00} I ask about this fraud account nothing giving
Product: Credit card or prepaid card

I received an alert on XXXX, from XXXX that I had a hard hot on my credit report. I was told it was a credit card application for a Bank of America credit card. I had not applied for a new credit card anywhere so I contacted Bank of America credit card services and fraud unit. They informed me that they couldnt see a new credit cards on my account. I contacted my personal banker at Bank of America XX/XX/XXXX and he also stated nothing new was showing up on my account and nothing could be done. I put a freeze on all 3 Credit Reporting Agencies on XX/XX/XXXX. I received an email XX/XX/XXXX informing me that my credit card application with Bank of America was approved and I would receive a welcome package and card within 14 days. I again called Bank of America fraud unit and my personal banker and they said that they could see the new credit card on my account. It was a XXXX XXXX XXXX XXXX with a {$20000.00} credit line. The personal banker told me it had an address from 2 years ago in another State. Bank of America opened this credit card without my consent using my email and a former address. They should be investigated. This is similar to XXXX XXXX years ago. The fraud unit and banker of BofA should have delved into issue further XX/XX/XXXX and maybe it wouldnt have gone to the point of a card in my name, unauthorized, floating around. in Arizona
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to temporarily lift my wifes security freeze from Equifax. We had placed a freeze and did this temporary lift several times. This time the agent said nothing exists for her SS number. As in she doesnt exist or she has no credit file. I said she does and the other two Credit Reporting agencies HAVE credit files for her and we have a PIN number. 

To get started I informed them that my wife did not speak English very well and that I was present to help her. The gal acted perturbed about that but started questions. They were WAY harder than what I had to answer when I lifted my freeze. I complained and the gal insisted that they werent. I said it was discrimination and I wanted to talk to her supervisor. She was miffed about it but finally the supervisor came on. I complained and he started yelling. I got him to calm down by telling him if she has no file then she has no freeze right? He said we cant see that on our computer. I said its your freeze? XXXX XXXX says YOU, Equifax, have a freeze on her account and it needs to be temporarily lifted. We gave up. We called a second time to file a dispute to get them to contact XXXX and or XXXX to see that she HAS a credit file and were subjected to the same discrimination that we had received before. Rudeness and escalating difficulty of questions.All answered correctly but the questions just kept coming and being more detailed and difficult. I said ALL of your questions were answered correctly ... supervisor please. Rinse and repeat same treatment got nowhere and couldnt even get them to investigate based on this possibly exceptional situation. I was very upset and I believe these overseas call centers are vindictive enough to blacklist a particular person because of a conflict. I say this because I told her make sure all of these notes are documented and you could hear her typing away. My wife basically is completely blackballed by Equifax through their vindictiveness.
Product: Debt collection

THEY SENT A XXXX  TO MY HOUSE TO COLLECT A DEBT PAST SEVEN YEARS OLD. THEY ARE LIARS AND COMPLETE FRAUDS. XXXX USED A FAKE BADGE AND XXXX LIED AND SAID HE WAS THE POLICE. I CALLED THE REAL POLICE AND TOOK OUT A CIVIL PROTECTTIVE ORDER.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XXXX/XXXX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2015 Transunion Credit Reorting is reporting my Credit Card Utilization at 40 % and is including my Equity Loan as a Credit Card, This is secured loan not a credit card. This Secured Home Loan has a balance that distorts my actual credit card utilization. When I contacted them they basically said " not my problem ''. The reporting bank needs change how it is reported. It is an Equity Loan so not sure what else they need to do and bank is not going to change what it is!
Product: Credit card or prepaid card

I received an email from Barclays saying I was late on my payment. I DO NOT have a Barclays account/card and I have never received any kind of statement ( email or paper ) from them except the one telling me I was late. I called them immediately and had to give information that made me uncomfortable but I wanted to clear up this problem. They sent me a letter saying their fraud department was investigating. That is all I have ever received from them= XXXX email and the letter. NEVER A STATEMENT! They called today to tell me the charges are mine because it was my XXXX!? My husband does not have a Barclays card and I certainly didnt make him an authorized user since I DO NOT HAVE A BARCLAYS CARD! They could not tell me my XXXX name. They said I need to show documentation that I didnt make the charges. How can I do that when Ive never received any kind of statement from them? Please let me known if you need more information to solve this case. Id like to see the statements but I dont know the fraudulent account number so they wont see it to me. It is not right!!! Your help is greatly appreciated!!
Product: Mortgage

we file bk in XX/XX/XXXX it was discharged in XX/XX/XXXX some one attached my home too a bk in XX/XX/XXXX it been in that state for 6 years now the bank want give me any information on this bk they say see my attorneys XXXX @ XXXX who is not my attorney we dont have one we never file a bk. this same bank gave us a modification loan in XX/XX/XXXX too this day it has never show on any credit report some is wrong we are retired people this is too big for us can you help.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regrading multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

I 've been subjected to paying interest on amounts that are much much higher then the actual amount of principal i was supposed to be paying interest on. this has been a systematic problem almost every month this year. 
I.E. : In attached statement of XXXX 2015 i had a balance of {$5600.00} on which i paid {$5500.00}. the total amount i would have been subjected to pay interest would have been {$140.00} HOWEVER the balance that the bank charged me interest on was {$4700.00} which means over 3000 % ( XXXX percent!!! ) more interest then i was supposed to pay. this systematic overcharging has happened almost every month this year. i 'm sure that this is something that many less then vigilant consumers had not paid attention to. 
this specific month- i contacted the card issuer and was refunded the over-payment HOWEVER- i was overcharged outrageously every month since as you can tell by the statements I 've attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX removed from my XXXX and Experian credit report. Since earlier this year on each dispute it comes as being verified. I never asked for the validity of the account. What i have been asking for is the original consumer contract with my signature on it. Per the FCRA 609 rule if they could not provide that information then the account needed to be deleted. Not to mention this loan was issued on XX/XX/XXXX the school which is XXXX XXXX XXXX XXXX closed in XX/XX/XXXXof XX/XX/XXXXalso per the law any debt over 7 years old should be deleted from the credit report. I want XXXX to remove both loans from my XXXX and Experian Credit file
Product: Debt collection

Advance Collections has violated my account " I was told that before a collection agency puts an item in collections they must notify me 15 days prior to placing that item on my credit report. They did not do that. '' Can you please investigate and if found in violation remove this collection as my legal rights.
Product: Debt collection

My job was contacted multiple times by people who never have company or personal contact information, but told whoever was on the phone that I was being taken to court and that people were coming to my place of employment to supena me. They never verified who they were talking to, on either occasion.
Product: Money transfer, virtual currency, or money service

The company " Square '' that I have used to charge my client 's credit cards for my services, claimed that I had a second account with a large dispute on it totaling {$2100.00} and that I was responsible for this amount of money. They therefore withheld {$360.00} worth of my most recent charges and had planned to take any future funds that I would collect from clients until the dispute balance reached XXXX. They initially refused to give me any information about why they thought this second account was mine. After more than a dozen calls, emails, the filing of a police report and the filing of an FTC report, they told me they still believed this other account was mine and they provided the email address for the other account. The email address was not mine. The other entity 's email address contained my first name and the field in which I work ( psychology ). I filed a second FTC report and they decided that it was a case of " stolen identity ''. They have since refunded my {$360.00} and " disassociated '' the other account with mine. However, they still refuse to provide me any information about why they thought this account was mine ( other than the remotely similar address information ) and they still maintain my information was " stolen ''. Given Square transactions involve my bank account, I need to know what if any, of my sensitive information has been stolen. If it has not been stolen, and they simply went the route of putting me through the many, many hours of work because it was easier for them to collect the money they themselves had lost via the dispute on this other account and blame it on someone ( me ) with a slightly similar email address, I would like to know that as well.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are reporting a charge off on my credit report from XXXX XXXX. This account was paid and should not show on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not did any hard inquiries and it says I have 26 I did none of it.
Product: Debt collection

In 2021 the collection agency called to say that I had a debt and informed me that I needed to pay or face being sued by a law firm. I did not receive any documentation to confirm the debt and I am paying every month to Portfolio Recovery.
Product: Bank account or service

I signed up for a checking account during a Discover Bank Checking promotion where they offered a {$300.00} Bonus when you open a Free CashBack Checking account with direct deposit. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/2015-XX/XX/2015 using offer code XXXX ; I opened my checking account on XXXX/XXXX/15. 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. I had XXXX direct deposit payments completed with {$250.00} on XXXX/XXXX/15 and XXXX/XXXX/15. This falls within the time period of 90 days since the opening of the account. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Today 's date is XXXX/XXXX/15 and it has been more than 30 days since the requirements have been met.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple reversed credit fees Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I have received a foreclosure notice dated XX/XX/XXXX but I just got it on XX/XX/XXXX. I was on a 6mth forbearance for unemployment with the last payment on XX/XX/XXXX. Throught this whole time I have made my agreed upon payments and I have asked several people what happens when the 6 months is over. They all said I would get another packet to fill out for assistance. I have not received anything but this foreclosure notice. I feel like they should have contacted me or sent me a packet to re apply for assistance not immediately send me to foreclosure. I do n't feel like they followed all the steps necessary to help me in the time of a hardship. Please help I do not want to lose my home and end up with a foreclosure on my credit.
Product: Debt collection

I checked my personal XXXX  credit report, and I have notice negative account on my credit report that I do not have a contract with. I first contacted these furnishers of the account, with a few of them giving me the runaround. I asked them to remove their account from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical validation of the original signed consumer document. I request that you initiate an investigation into the below accounts on my credit report. If, once your investigation is complete, you find my allegation to be true, please remove the accounts and send me an updated copy of my credit report. Diversified Consultant XX/XX/2019, XXXX. If you find the account referenced above to be valid thru physical validation, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Mortgage

I became unemployed from at the beginning of the year and then we got hit by not 1 but 2 storms in XXXX which was straining my finances because my unemployment lapsed. 

I tried to reach out to the Wells Fargo Home Mortgage Preservation Department ( XXXX ) on XX/XX/XXXXXXXX XXXX XXXX  to get a modification and got some first line customer service lady who only offered me limited disaster assistance. I was not transferred to a home preservation specialist, I was not asked to send in the form and she would not transfer me to an agent from that department, I had no choice to accept her offer and she said it ended on XX/XX/XXXX. 

I paid the last couple of payments on time but when I hit XXXX I planned on paying by the end of the month but jobs are still not hiring and I called in to let them know what I planned on doing because during the pandemic I was expected to call them every week. The lady tells me that I have till XX/XX/XXXX to pay them the arrears and I am like OK I have some time but I still need mortgage assistance. 

Fast forward to today XX/XX/XXXXXXXX  I go to check the mail today and find a letter stating that their assistance ends on XX/XX/XXXX. I just called them on XX/XX/XXXXXXXX XXXX XXXX 

This letter was sent XX/XX/XXXX. No warning whatsoever, and no email. 

If I had not checked my physical mail then I would have been royally screwed. This is the second time they did this to me and I told the Mortgage assistance customer service lady that the last time they lied to me and foreclosed on my home prematurely when they told me I had more than a week to pay. She wouldn't even acknowledge it happened by looking at the notes. I told her no one will be hiring till the end of the year so I am trying to get ahead of the issue. 

I saw that y'all sued them about this issue and this happened to us during the pandemic as well because I needed assistance and at the end they made us sign this new loan modification for XXXX that should have been offset by the government but they told us nothing about it. 

During that time they also closed my bank account for no reason and would not tell me why and even called security on me because I was sitting their quietly expecting an answer from the bank branch manager who also did not know why my account was closed. We had no choice but to sign because again the screwed us. 

They even screwed us with the taxes and not managing the escrow or fighting the taxes after our loan suddenly was switched to them. Now its happening all over again. I feel like I have been scammed since the beginning because the loan originator knew they would be selling the loan to Wells Fargo and did not tell me.
Product: Credit card

Today, XX/XX/2023 at XXXX Central Time, I received a phone call from " Chase Bank XXXX at caller ID XXXX with an individual claiming to be from Chase XXXXs Fraud Protection department notifying me of fraudulent activity, a charge of {$2600.00} to XXXX XXXX XXXX XXXX XXXX a Chase credit card account in my name. I did not make this charge, and no one in my family or other authorized person would have made this charge. I am also not entirely clear if I have any credit accounts with Chase, but I don't think that I have. I do have a XXXX XXXX in-strore credit card that I think is managed by Chase, but no other cards that I am aware of. 

They said that they were declining the charge, and then asked me to provide information about any other credit card in my possession in order to verify my identity. They did read out to me my home address, which was an accurate address. 

I became suspicious that they were asking me to provide card numbers/details about my " other '' credit cards, in this case I had an XXXX XXXX XXXX in my possession. While I was suspicious about this call and the request for information, there were elements that seemed correct and I did read out my XXXX card number and last XXXX digits of social security number. When they asked me to read out the XXXX digit security code of my XXXX card I did not provide that, and I stopped providing information. 

I then called XXXX and cancelled my card with them. 

The original caller also gave me his name - XXXX XXXX XXXX from Chase, a XXXX Security Analyst. He also gave me contact information for the FTC 's Bureau of Consumer Protections, which is how I found my way to this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main financial, and the credit bureas are deliberately reporting inaccurate information to damage my credit profile. I was never 60 days late on any payment as indicated by XXXX. You can not report of XXXX late without a XXXX late payment reflected. This is inconsistency in credit reporting, and deliberate act to sabotage my credit profile Also, One main financial has falsely claimed a XXXX late payment for the month of XXXX. Please see attached screenshot showing proof that the payment was paid before the XXXX XXXX mark. 

XXXX is reporting XXXX consecutive months of late payments, which again is inaccurate, and goes against the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has some reasonable cost to believe that the information is inaccurate.