23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NCB Management has called my place of employment after on the XXXX website I was ensured that my job would not be called for any reason. My phone rings 4 to 5 times per day with these people. If I dont answer they should just report the debt to my credit report. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone try to misuse my Personals information and get Autoloan. Below are the 3 hard enquires that are not done by me. I tried to reach out XXXX, XXXX & Transunion but they are not removing below 3 hard enquires. Can you please help in removing these 3 Hard enquires from all the 3 credit bureaus ( XXXX, XXXX XXXX Transunion ). 
I spoke to finance team at " XXXX XXXX XXXX XXXX XXXX XXXX '' & they told me that someone tried to use my details and get a vehicle & they were able to figure out that it was fraud. 

XXXX XXXX XXXX ( Bank  ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  XXXX ( Auto ) XX/XX/2022 XX/XX/2022
Product: Credit reporting or other personal consumer reports

I got check for {$170.00} from cfbc for XXXX XXXX .question. was that a refund check because it should of been more then that I have been services with them since 2019 I have proof to show
Product: Checking or savings account

On XX/XX/22 I received in the mail a letter welcoming to Wells Fargo with a checking account that I never opened. 

I contacted the Bank and they said they would look into it. 

I want to know why Know Your Customer ( XXXX XXXX does not apply to opening online accounts?!? Where are the regulators on this?!? If I walk into a bank branch I'd have to present several forms of ID but if go online at Wells Fargo I can open an account with someone else 's information without batting an eye. 

The irony that it's Wells Fargo STILL opening fraudulent accounts is not lost on me!
Product: Student loan

I had been working on XXXX through XXXX University. In the summer of XXXX I stopped my courses to take a break from classes and because I worked full time. My original lender had been XXXX XXXX, then it was XXXX. I was notified by letters several times in XXXX that my loans were passed due. I did defer my loans in XXXX of XXXX because I was intending to complete my XXXX. XXXX turned the loans over to there collection company in XXXX even though I had deferred them. Having a difficult time with forbarance and deferment.
Product: Debt collection

I am in bankrupty. The vehicle I financed was turned back into the loan company. The loan company continues to call me 16 to 20 times per day. When I start they hang up. They have called family and friends to harass them as well.
Product: Mortgage

When my wife was making our XX/XX/2023 mortgage payment online, she noticed the XXXX she had previously made was {$300.00} short of the monthly total. She increased the XXXX amount to add that {$300.00}. On XX/XX/2023, she and I were notified that we were delinquent XXXX months for making a payment which instantly dropped both our credit scores. Before this incident we had scores between XXXX. She contacted Freedom Mortgage and was informed that payments were received as she described but we had been marked delinquent due to the XXXX payment not being the correct amount. The representative from Freedom Mortgage confirmed that no one from the company attempted to contact us prior to them contacting the credit bureaus. While the amount was not the full amount paid in XXXX, some form of payment was made. When the mistake was discovered in XXXX my wife attempted to rectify the situation by paying more. Still, no one contacted us. We both have good credit and have always made payments on time. We are both public servants and I serve in the military, currently XXXX to the XXXX XXXX. Our jobs are affected by credit scores and for XXXX years we've made sure to always stay current with payments. Freedom Mortgage refuses to help us which means we can not got our scores changed back.
Product: Mortgage

I obtained a mortgage loan from XXXX XXXXWashington Mutual ( WaMu ) in XXXX which was securitized and placed in XXXX XXXX. 
In XX/XX/XXXX, WaMu was closed down and the FDIC became the receiver of its assets which, FDIC, in turn transferred or sold to JP Morgan Chase. 
I made payments to Chase from XXXX until the end of XXXX. 
Chase gave me a predatory loan modification in XXXX. 

In XX/XX/XXXX, Chase signed a {$13.00} XXXX settlement with the Department of Justice based on its fraudulent activities from securitizing mortgages from XXXX through XXXX. Chase is providing relief to homeowners through XX/XX/XXXX ( so time is of the essence ). 

I called to ask for relief since the trust into which my securitized mortgage was placed ( XXXX XXXX ) is listed on XXXX XXXX which lists the securitized mortgages that would be entitled to relief under the settlement. 
The customer service representative at Chase informed me that I was not entitled to relief since my loan had been transferred to XXXX XXXX XXXX. But they are merely SERVICING loan, Chase is securitizer, investor and owner!!!!
Product: Credit reporting

TransUnion report issued date : XXXX/XXXX/XXXX, file number XXXX. Logged in at XXXX on XXXX/XXXX/XXXX, and the accounts listed below are still being reported. According, to the aforementioned report, the items were supposed to be deleted in XXXX. 
Collection Account : 1. ) XXXX XXXX XXXX Remove- listed in duplicate on report, this is already listed/assigned to a new agency- XXXX. 
2. ) XXXX XXXX XXXX XXXX supposed to be removed XXXX 3. ) XXXX XXXX {$6100.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 4. ) XXXX XXXX {$22000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 5. ) XXXX XXXX {$26000.00} ( opened XXXX/XXXX/XXXX ) - supposed to removed XXXX 6. ) XXXX XXXX {$40000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 7. ) XXXX XXXX {$39000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX
Product: Credit card

On XXXX I received a text and email stating I must provide my IRS information for verification purposes to Discover Card Services. My Discover account is an individual account non joint with no other account holders. I was told that my account would be closed if I did not provide my IRS file information which includes my spouse 's information. He is not on the Discover account which would make it illegal to request an individuals information that has no relationship to Discover. We file joint tax returns. My Discover account is not and has not ever been delinquent or a joint account. At the time of application before approval I assumed that they would verify information before extending credit. This illegal demand would be harmful to my credit profile if they closed my account as they state they will be doing if I do not provide my IRS information, I have no joint credit accounts with my spouse and depend on my credit profile. Discover not be able to report any negative data to any credit reporting agency if the account holder is not delinquent. When I contacted Discover over the phone they insisted it was to confirm my identity not to have access to my and my husbands financial data. They have a right to verify mine but do not have a legal ight to verify any persons that did not request credit from Discover. In addition they are utilizing a 3rd party, XXXX XXXX to submit the 4506-T form to the IRS. XXXX has had several Data breaches in the last three years that have affected me personally. A third party that can not provide an assurance of privacy is not a way to verify my information or millions of other Discover card holders. Something needs to be done to stop this illegal practice. I have not received a response to my written or verbal request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$6500.00} XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has an item on my credit report. I attempted to dispute the item with XXXX XXXX directly, with the address that they provided on my credit report XXXX XXXX XXXX XXXX Mn XXXX. The certified letter was sent back to me, address un-deliverable. I disputed the item with TransUnion and XXXX given they have false information on my report. I sent them a copy of the letter that was returned to me. TransUnion responded saying that the item met FCRA, in which it does not as they are reporting false information about me. XXXX   stated that the item would be deleted, however it still remains as of XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. Between XX/XX/2023 and XX/XX/2023, my XXXX XXXX XXXX account was reported as 30 days late. I have not made a late payment. 

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

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Santander Bank cashier XXXX XXXX at the XXXX XXXX XXXX branch in XXXX XXXX said higher ups told him he could not accept for deposit a United States Postal money order that was a year old. When I explained him that a few weeks earlier I also deposited into my bank account a different United States Postal money order that was a year old, he could not respond. I explained that the United States Postal money orders do not expire and when I asked for a copy in writing of the bank policy that he claims exists in reference to depositing United States Postal money orders, he refused. He then contradictorily stated that the Santander Bank money orders and checks do not have an expiration and are valid for life. However if the bank products money orders and checks are backed by the federal government and are supposedly good for life, why would this bank refused to accept postal money orders which are also backed by the federal government and good for life?
Product: Credit reporting or other personal consumer reports

I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit.I specifically want to address my most recent communication on XX/XX/2024. In that correspondence, I requested TRANSUNION to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by TRANSUNION. I strongly believe that TRANSUNION employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears TRANSUNION intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding TRANSUNION to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Payday loan, title loan, or personal loan

THIS IS NOT A DUPLICATE COMPLAINT, my complaint is in regards to an adverse action that was taken against me as a consumer by Barclays. I already tried to fix this problem with them. They contacted me XXXX time in regards to this and has not contacted me since even tho I have tried to reach out to the representative who contacted me by the name of XXXX XXXX. THIS WAS BACK IN XXXX! on XX/XX/21was the last time they contacted me in regards to rectifying this situation. 

Recently, I, XXXX XXXX, was denied an extension of credit by BARCLAYS. On XXXX XX/XX/2021I submitted credit card application, I applied for XXXX XXXX XXXX XXXX. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. 

Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Barclays has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002
Product: Mortgage

At the beginning of the pandemic I accidentally opted into a Loss Mitigation program. I have called around the 30th of each month since XXXX to be removed from this program so that I may make payments online- once one is opted into this program they can not make online payments and must call to arrange for payment which also incurs processing fees. During one of these calls ( XX/XX/XXXX or XXXX ) I called and arranged for payment and requested to be removed from loss mitigation yet again- my payment info was taken, processed, and was misapplied. Each consecutive month since, my statement has shown as past due despite paying by the XXXX of each month- NO payments have been missed. My monthly mortgage is {$1500.00} and I am now showing as > {$4500.00} past due- again, NO payments have been missed. 

At the request of customer service, I emailed screenshots on XX/XX/XXXX of my bank statements with proof of the funds leaving my account each month. An automated email informed me I would receive a response back within 24 hrs. I did not receive an email so I followed up on XX/XX/XXXX @ XXXX CST and received a response within minutes. I was informed by XXXX XXXX that she was working on my account and would provide status very soon. I did not hear from her. I emailed again XX/XX/XXXX and XXXX both emails I have not received response to.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX BALANCED {$0.00}
Product: Credit card

Someone opened a Barclays JetBlue credit card in my name. I received it in the mail and immediately called Barclays to report the fraud. They closed the account. XXXX weeks later, they send a paper letter in the mail that looked like junk mail to tell me they rejected my fraud claim. They said there were already charges on the card and I admitted to having the card in my hand. I told them I cancelled the card when it arrived at my house and at the time I cancelled it, they didn't ask me about any charges. The charges were for flights that took place thousands of mile from my house. I live in XXXX  and work in XXXX and the flights were from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They told me I would have to reopen the fraudulent account and couldn't contest over the phone. I have a series XXXX, series XXXX and have license insurance agency that all say I live in XXXX. Then when I called back with questions, it took over XXXX minutes to get a human on the phone and was cut off by their automated system multiple times and tried at least XXXX different numbers. I have since faxed them to reopen the case and provided copies of bank statements with at least XXXX charges in XXXX that took place during the fraudulent flights. They haven't responded, are impossible to reach and are not interested in discussing facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$260.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX  XXXX XXXX : {$1900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several letters of dispute for items on my credit report that are inaccurate. XXXX and XXXX are both showing several accounts showing open by Dept of Education and Navient for the same accounts. They also have some of these same accounts showing closed. It 's all a big mess and I am not getting any help in getting them corrected. The accounts show the same date and account number with two different loan comapnies. I have requested many times to have the loans validated and the balance and payment history to show correctly. They only respond back to me that the information was verified. I have requested proof of each loan and the balance. I have sent letters to Navient and the Dept of Education. I even sent letters to the CEO. These duplicate accounts and incorrect balances are causing harm to my credit worthiness to potential credit providers. At this point I feel that I have no other choice than to consider taking legal actions against them.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account with Marcus Savings ( a Goldman Sacs company ) and transferred {$50000.00} from my XXXX XXXX account. I opened the account because it was paying 1.05 % -and my son told me it was " awesome. '' I already had a long-standing savings account with XXXX XXXX that was earning 1 % and I was very happy with it. On XX/XX/XXXX, I received an email that said the interest rate was dropped to .8 % I didn't see any reason to continue to keep that account ( I had had a few other deposits into the account as well ... ) so I immediately transferred {$50000.00} into my XXXX  XXXX account. The " screen '' told me it would occur in 2-3 business days. The next day I checked my " app '' and was told I was " temporarily locked out '' and had to call XXXX to unlock my account. When I called, I was told that my account was locked until I provided them with statements from my XXXX XXXX account ; I refused -I see it as irrelevant and definitely non essential. TWO excellent banking sources I use ( one from XXXX XXXX ) told me they had NEVER heard of asking for statements for a bank account. I could get NO OTHER information from Marcus. The funds are STILL LOCKED at Marcus and I can't seem to get the money out. I sat on hold along with a Representative from XXXX XXXX  for 41 minutes late last week ( probably XXXX  XX/XX/XXXX ). I've tried numerous times to call but no one will talk with me or reset my account OR give me my money. I even asked for them to mail me a check but they won't help me.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, my personal information has been compromised. An account was fraudulently opened using my information. Account info : account number XXXX. BANK NAME : XXXX XXXX XXXX .Date opened : XX/XX/2022. Balance : {$8400.00}. I need this fraudulent account to be removed from my credit report immediately, it is hurting my credit drastically. I was in a bad a car accident a few years ago, since then I have been hospitalized and unable to monitor my finances. I contacted XXXX XXXX and advised them that this account was opened fraudulently. PLEASE REMOVE FROM MY CREDIT REPORT, I WILL BE ATTACHING THE IDENTY THEFT REPORT THAT I FILED WITH THE FTC.
Product: Debt collection

Three letters sent by fax and USPS to AWA Collections that have gone unresponded to. In the third letter, I even sent them proof of delivery via fax in XXXX and the account is still being reported as of XX/XX/14. They have not provided debt validation or assured me that my HIPPA rights were not violated. And as a side note shame on the bureaus for not responding!
Product: Credit card

Extra Charges and Request for Removal from Credit Report Account Number : XXXX Dear MoneyLion Customer Service Team, I am writing to formally dispute the charges and account closure associated with my MoneyLion account number XXXX. I believe that extra charges have been

applied incorrectly, and I am requesting the removal of these charges from my account and an adjustment to my credit report accordingly. Upon reviewing my account, I noticed charges that appear to be excessive and beyond what was agreed upon initially. I believe these charges were processed without proper authorization, which has caused undue financial strain. I am concerned these fees were applied in error and would like clarification on the exact nature and reason for these charges. Additionally, the closure of my account under these conditions is impacting my credit standing. I request that the account and any associated negative items be removed from my credit report, as they were based on disputed charges and not on my payment history. Please provide documentation or a detailed explanation of the charges, as well as any steps MoneyLion will take to resolve this dispute. I would appreciate your assistance in rectifying this matter at your earliest convenience. Thank you for your attention to this issue. I look forward to a prompt resolution.