23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Someone on XXXX XXXX hired me as their personal assistant, and sent me a check, told me to deposit it and then send them back portion of the money at the time I didnt know it was fraud, so my Chase account was closed due to this fraudulent check I am a victim of this and now I cant find a bank that will approve me to open a checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am needing the original contract with XXXX XXXX with my wet signature. I never signed a contract with XXXX XXXX and they have failed to vaildate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. I have made several attempts to get the original contract but you have refused to provide the contract and vaildate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX appeared on my credit report. It shows a medical bill from XXXXXXXX XXXX I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS XXXX and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked XXXX for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXX really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022 I told the credit bureaus to 'investigate every piece of my information ' on the accounts I have listed below. 

Firstly according to the FRCA 15 USC 1681 every piece of informations on these accounts has to be 100 % accurate .Ac you can see attached on my credit reports still not reporting 100 % accurate According to the FRCA the term 'investigate consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquitted or who may have knowledge any informations. 

They stated my accounts as verified but how is that possible if they didn't do a proper investigation according to the law. 

Accounts XXXX ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account with XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$2700.00} CREDIT COLL XXXX XX/XX/XXXX {$530.00} CREDIT COLL XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00}
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I had an auto loan with Exeter Finance for {$13000.00}. I became sick and my income changed. Exeter would not refi the loan. The auto ended up being repo-ed. I spoke with Exeter to get the remaining balance of {$8200.00} XX/XX/2018. I made {$7900.00} total in payments. The interest rate was @ 24 % on the {$7900.00} of payments = {$1900.00} in interests would seem = {$6000.00} was applied toward principal = {$7600.00} remaining balance. The car auctioned for {$7000.00} - {$7600.00} remaining = {$670.00} + {$1200.00} repo fees = {$1900.00}. 

Exeter has reported to all three credit bureaus a remaining balance of {$6800.00} which is not even close to the correct amount owed. I have disputed the amount on several occassion to no avail. I dont have a problem with paying what I owe. I have a problem with paying what I know I do not owe. I have talked with Exeter about this incorrect reporting as well. I requested a transaction log from the beginning of the loan until auction how all payments were applied. I have not received this information to date. The account on Exeter page does not show the break down of the payment as applied to the {$13000.00}.
Product: Checking or savings account

I authorized XXXX charges in the amounts of {$100.00} and {$50.00} for my storage unit. However a second {$100.00} charge is pending and the storage company says they didn't submit it nor did I authorize it. The problem is that I can not use that money until the hold is removed and I am not able to work because of it. The storage company is adamant that it did not submit the second {$100.00} charge but the bank says they did. I believe the storage company.
Product: Money transfer, virtual currency, or money service

I received a limited time special rate to take advantage of a 2.99 promotional rate through XX/XX/XXXX billing cycle by using People 's checks ( which were attached ) or performing balance transfers. On the morning of XX/XX/XXXX I performed an online balance transfer from People 's United Bank to XXXX XXXX in the amount of {$1100.00}. In the afternoon of the XX/XX/XXXX I contacted People 's to cancel balance transfer. At that time I spoke to XXXX who informed me that he was unable to see balance transfer. I advised that I had confirmation of the transfer but he was adamant that he could n't see it and that it would take up to 2 business days to process. He suggested that I call back on Monday XX/XX/XXXX at which time People 's would note on the account that the wrong information was submitted and the transfer would be canceled. On XX/XX/XXXX I received an email from XXXX XXXX thanking me for my payment of {$1100.00}. I then contacted People 's and asked how the transfer had processed when XXXX had informed me the day before that there was no record of a transfer. The customer service rep ( XXXX ) said I needed to contact XXXX XXXX and ask them to refuse the payment. I then contacted XXXX XXXX and spoke with a customer service rep ( XXXX ) who informed me that he could not cancel the payment as the payment was coming in from a third party. XXXX indicated that only Peoples would be able to cancel transfer so I again contacted People 's and spoke with another customer service rep ( XXXX ) who advised that once People 's received notification of the transfer from XXXX XXXX, Peoples would stop balance transfer and waive fee, which would take up to 3 business days. On XX/XX/XXXX I again contacted People 's and spoke with customer service rep ( XXXX ) and advised him that not only is XXXX XXXX still showing a payment of {$1100.00} but People 's now shows an additional {$1100.00} on my balance ( the {$1100.00} transfer amount and {$44.00} transfer fee ). XXXX advised that he is unable to have money refunded from XXXX XXXX and that it is my responsibility to contact XXXX XXXX and have returned to Peoples. He further advised that once this has been done Peoples will gladly refund the {$44.00} transfer fee. Of course Peoples would refund the transfer fee if there is no transfer then there is no fee. The fact that Peoples advises that it takes up to 5 business days to process a balance transfer and the fact that they processed this transfer overnight speaks volumes as to how unethical this entire process has been. It appears that Peoples did everything in its power to lock me into this balance transfer and did very little if anything to stop it even though I attempted to stop it within the same day, which is unconscionable and appears to violate my right to rescind their offer within a reasonable amount of time, saddling me with their {$44.00} transfer fee.
Product: Credit card or prepaid card

My husband ( XXXX XXXX ) and I ( XXXX XXXX ) opened a Navy Federal More Rewards XXXX XXXX  XX/XX/2022 it had been set up by us for reoccurring statements. The bill was paid automatically every month without any late or incomplete statements. Every bill was paid in full each month. The bill due on XX/XX/XXXX was not paid. The bill was for {$460.00}. I called Navy Federal on XX/XX/2022 at XXXX ( when I was first notified that the bill had not been paid ) to inquire as to what the issue was " the system did not make the transfer ''. XXXX our representative called the " Advanced Team '' to find out more, and I was told " they would research it. '' And that was all that wound happen. If I wanted to speak with anyone else about it, I would need to email a complaint to a complaints email. I then spoke with XXXX XXXX who stated that more research would have to be done on why this occurred. Because our checking and savings are Navy Federal, when logging into Navy Federal to have access to our money, all that shows is " your account is delinquent '' in huge red letters and a huge " Pay now '' button with no other way to access my account. There was also no option view the statement and I was told by XXXX " I will mail it to you. '' I feel that my money is being held hostage and I am concerned about how this late payment will impact my credit score, I am concerned that Navy Federal does not notify customers of late payments prior to logging in ( no email was sent, no call was made, no letter was sent, I even went to the bank on Friday and the teller did not let me know ). I am concerned that I can not access my money. I am concerned that I was asked to {$460.00} without being given access to any documentation or reason why this was unpaid, and without being shown a statement. The attached image is what shows up upon logging in to Navy Federal, instead of our accounts page.
Product: Checking or savings account

On XXXX XXXX  I sent {$1800.00} for payment and Payments were lost on XXXX XXXX  I sent {$1800.00} for payment and payments were lost
Product: Mortgage

Bank of America/ We began calling in XXXX of XXXX. We faxed all papers requested. We followed all and in XXXX of XXXX, we were told we can walk into any branch to file our paperwork. Mind you our mortgage is always paid on time. It is the equity line of credit that they began asking a few dollars short of our mortgage payments that we need lowered. To date we have paid interest monthly, however they feel tripling the amounts we should be able to pay. The facts are I only recieve social security, do not file federal taxes do to my age, and need the equity payments re-evaluated. The bank has asked for same forms over and over, we faxed mailed and can not pay a double mortgage. we explained this only to be refured to a counselor whom informed us that the making homes affordable is no longer. Than today i called the hot line only to be told it is. At this time i need some one to investigate the bank, and the referals they are giving. The bank for not working within the time allowed and the refferal agency for miss leading people. We do not want to loose our home. we only want a lower payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/25 i mailed transunion a request in regards to my credit having things that were causing me issues in my home buying process. They have ignored my request which i know as a consumer they are required to process
Product: Checking or savings account

1. In XX/XX/XXXX, I reported some fraudulent transactions from a particular vendor in my bank account from Bank of America. 
2. In XX/XX/XXXX, despite the previous problem with the fraudulent transactions as reported in # 1, Bank of America authorized several fraudulent transactions from the same vendor in my account. I reported, and Bnak of America submitted the report to internal investigation. 
3. Bank of America took approximately 4 months to conclude the investigation. All my salary and funds stolen as described in # 1 and # 2 were taken out of my account to pay the fraudulent transactions. I was left with no money, with my bills unpaid due to Bank of America reckless and bad faith. My credit score dropped down severely. 
4. After 4 months, and after calling Bank of America a number of times ( they never called me to update about the investigation XXXX, Bank of America decided, without much explanation and without any reasonable grounds, that the transactions were not fraudulent and no money would be reimbursed to my account.

5. I was left without {$3800.00}. Bills unpaid, ruined credit score. Later on in XX/XX/XXXX Bank of America decided to shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX  account # XXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, are you XXXX XXXX # XXXX, XXXX XXXX # 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: Debt collection

Was contacted numerous times last week sometimes back to back from unknown number. When i ask who they were was advise they got my number from my previous supervisor XXXX XXXX they continued to call so i decided to answer. Spoke with a rep name XXXX we entered a payment arrangement even though i told her i was unable to make payments because i am in the active foreclosure process for my home. She was persistent and i wanted to stop the calls so i agreed to the terms but i spoke with my housing counselor and was advise until i reach a agreement with a loan modification i could not add any extra bills so i called today on XX/XX/18 to cancel my agreement with Atlantic credit and finance incorporated where i was verbally abused and she hung up on me because i asked to cancel my payment arrangement i ask for a supervisor and he was not much help either restating that they can not help me in the future i explained over and over i would have to cross that bridge once i am able to pay and they still threatened me.
Product: Credit card

I am formally complaining against COMENITY CAPITAL BANK I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted COMENITY CAPITAL BANK who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that COMENITY CAPITAL BANK stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. 

Thank You XXXX XXXX
Product: Credit card or prepaid card

Home Depot Credit Card decreased my limit on my card card even though I maintain the entire balance and pay bill on time. They did it without warning me, they just sente an email stating they decreased my limit because of what they saw on my credit report.
Product: Student loan

Hello- I am reaching out as I had a major problem with my student loan service company, Aidvantage On XX/XX/XXXX, I logged into my account due to a notification in my inbox that I needed to read a document. I read the mentioned message then clicked to view my actual account. Upon review of my account, I shocked to see that my current balance for my student balance had doubled in size although I never requested more funds. 

I recently took advantage of the student relief programs that have been offered to the public to receive a refund on any payments made during the forebearance as well as the application for cancellation of up to {$10000.00} of eligible student loan holders. Due to ongoing payments that I made during my Graduate studies my balance consisted of one direct loan totaling {$9100.00}, which thanks to the program would be wiped out once approved. However, when I saw my balance today it consisted of two direct loans one of XXXX & another of XXXX that now totals {$18000.00}. Additionally my total payment history has totally wiped clean. 

I believe that Aidvantage who my debt was transferred to from XXXX originally, simply placed the {$9400.00} that I was supposed to receive as a refund onto my account. I feel like this wildly irresponsible of a financial institution due to the potential ramification that it could hold on my credit. I am incredibly frustrated with this situation and hope that this will assist in resolving the problem. I have also sent over an email to Aidvantage through their email portal as well explaining the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following debt collector and credit card account, and credit inquiries listed on my Trans Union, XX/XX/XXXX and XX/XX/XXXXcredit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX, {$220.00}, XX/XX/XXXX, XX/XX/XXXX, {$300.00}, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The accounts or credit inquiries arent mine and do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE Report and this not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : US DEP ED Account Name : Account # XXXX 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.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX has violated my rights. I looked at my Transunion credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do thiXXXX XXXX XXXX XXXX XXXXreatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are not supposed to 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.
Product: Mortgage

I own property located at XXXX XXXX XXXX. XXXX, CA XXXX that I had lost in the Camp Fire XX/XX/XXXX. On the XXXX of XX/XX/XXXX I endorsed a check from the insurance company and sent it in to Seterus XXXX company for the amount of {$210000.00} to pay off the property and a letter requesting them to pay off the loan number XXXX for Seterus XXXX. The payoff of the loan was $ XXXX also requested that they send the overage of {$57000.00} back to me which they did do on XXXX XXXX. 

I started getting junk mail I thought from another mortgage company. When I did read one of the letters I discovered that Seterus had sold the mortgage I had just paid off to Mr. Cooper and they claim that I have a loan number of XXXX but I don't have a loan through them as I had already paid off the loan with Seterus before they sold it to Mr. Cooper. I have been told that I owe back payments on the mortgage. I have also been told that they have the money to pay off the mortgage in an account but are refusing to acknowledge that I have paid the account off. At this point Mr. Cooper says that I owe them approximately {$40000.00} in back payments for a loan I already paid off. 

I do not owe this money and repeated attempts to clear this up or even get anyone to talk to me from Mr. Cooper XXXX so I can figure it out have only resulted in demands for payment.
Product: Credit reporting or other personal consumer reports

I have been disputing the same accounts for the past couple months which have been coming back as XXXX. I received a letter in the mail ( attached to complaint ) from XXXX XXXX XXXXXXXX stating that my information was leaked in a data breach around XXXX ( around the time I began noticing fraudulent accounts appearing on my report and started disputing them ). I submitted an ftc report with the data breach information already ( also attached ). Under 15 USC 1681i ( a ) ( 5 ) ( A ) you MUST REMOVE all fraudulent accounts listed below which under 15 USC 1681i ( a ) ( 1 ) I have the right to dispute all inaccurate information.XXXX XXXX bal {$XXXX}, XXXX XXXX {$XXXX}, XXXX XXXX {$XXXX}, XXXX XXXX {$XXXX}