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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion on XX/XX/2023 to dispute the inquiries on my credit report I was told all XXXX of them were removed. I was sent a credit report on XX/XX/XXXX confirming the removal but they still have been removed - transunion file # XXXX. I have tried several times calling them and they refuse to answer the phone just disconnect with me
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

I am not sure regarding this, but I feel like I must have been affected : CFPB Takes Action Against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts
Product: Checking or savings account

XXXX XXXX BANK WAS CLOSING MY CHECKING ACCOUNT ON XXXX. ON THAT DAY XXXX PRINTED A CASHIERS CHECK IN THE AMOUNT OF {$4600.00} WHICH WAS MY CLOSING BALANCE AT THAT TIME. XXXX THE BANK MANAGER IN THE DOWNTOWN LOCATION INFORMED HER THAT SHE WAS NOT TO SEND MY CASHIERS CHECK OUT BECAUSE I STILL HAD WITHDRAWLS AND DEPOSITS COMING IN AND OUT OF THE ACCOUNT. ON XXXX THE BANK DEPOSITED MY CASHIERS CHECK OF {$4600.00} AND THEN IMMEDIATLEY FORCED THE {$4600.00} OUT OF THE ACCOUNT. NOW I WAS TOLD THEY DEPOSITED MY CASHIERS CHECK OF {$4600.00} TO COVER TRANSACTIONS COMING OUT OF THE ACCOUNT. NOW IF THE MONEY IS TO COVER TRANSACTIONS WHY WOULD THEY NEED TO FORCE DEBIT THE MONEY OUT, IT SHOULD HAVE BEEN DEPOSITED AND THEN TRANSACTIONS WERE TO COME OUT. WITH ANY BANK WHEN MONEY IS DEPOSITED IN THE ACCOUNT, THE BANK DOES NOT FORCE DEBIT IT OUT YOUR ACCOUNT FOR THE EXACT SAME AMOUNT. THE BANK HAS TO SHOW WHY IT WAS FORCED OUT AND WHAT TRANSACTIONS IT COVERED. THE TRANSACTION DOES NOT SHOW IT WAS COVERED JUST THAT IT WAS A DEPOSIT AND THEN A FORCE DEBIT. I'VE ATTACHED SUPPORTING DOCUMENTS WITH MY CLAIM.
Product: Credit card or prepaid card

I was on a XXXX XXXX flight from XXXX to XXXX on Tuesday, XX/XX/2019 when the flight attendants distributed applications for a XXXX XXXX Mastercard on board. The crew member announced over the loud speaker that anyone who opened a new account would automatically earn XXXX points redeemable towards future travel, and that the card carried no annual fee. I took an application and filled it out, returning it to a crew member before the end of the flight. Upon arrival of my new card a couple of days ago, and after setting up online account access and reviewing my " XXXX XXXX '' points, it became clear that you had to spend {$1000.00} in the first 90 days of opening your account before you would earn the XXXX points. I submitted a complaint to XXXX XXXX / Barclays Bank through the " manage your accounts '' question form online and received a response stating that I would the earn the points upon spending {$1000.00} in 90 days and after my annual fee posted to my account. I then called a customer service rep for XXXX XXXX/Barclays who clarified that my card did not carry an annual fee but that I indeed had to spend {$1000.00} in 90 days to earn the XXXX points. I feel this is an egregious example of false advertising on XXXX XXXX 's part because at no time on the plane did they state you had to spend {$1000.00} to earn the points. I was travelling with my husband who can verify that, and in addition, a co-worker who traveled XXXX XXXX around the same time said she heard the same offer and also did NOT hear they say you had to spend {$1000.00} in 90 days to get the points.
Product: Credit card or prepaid card

the bank put and offer of balance transfer between XX/XX/XXXX and XX/XX/XXXX  I tuck the offer to make a balance transfer on XX/XX/XXXX of XXXX    in the terms of the offer and on the following month of XX/XX/XXXX  was charge interes for that month It only shud be XXXX of interes charge no XXXX per cent BMO Harris Bank also the bank never publish when the due date of the balance transfer end
Product: Credit reporting or other personal consumer reports

There is inquiry shown on my credit report that I didn't give consent to, nor did I agree for anyone to us my personal information from XXXX XXXX XXXX XXXX inquiry date XX/XX/2025, XXXX XXXX XXXX XXXX inquiry date XX/XX/2025, XXXX  inquiry date XX/XX/2025 again I did not authorize nor consent to any of these companies and it needs to be removed immediately!
Product: Debt collection

Today I received XXXX letters from TRS Recovery Services stating that I owe a company called XXXX XXXX {$110.00} because of a {$80.00} purchase that I made between XXXX XXXX and XXXX XXXX. I think this is a scam because it's quite a coincidence that this happened 2-3 weeks after my wallet was stolen with all of my credentials in it. With that being said, I believe it is a scam because I don't have any purchases of {$80.00} in that time frame. The purchases that i made that were {$80.00} I verified with that company that I did not owe then anything.
Product: Credit card or prepaid card

On XX/XX/20, I attempted to make a minimum payment of {$35.00}. I was never advised that the payment was returned because of an incorrect number entry. 

When I attempted to make the minimum payment on XX/XX/20, I learned that the minimum payment of {$35.00} attempted on XX/XX/20 did not go through. No notification was made of the failure of the XX/XX/20 payment. 

When I called on XX/XX/20 to have the {$29.00} fee for returned check ( it was an online payment ), I was told that it could be reversed. In addition, I was charged interest of {$0.00}. 

On XX/XX/20, I paid the outstanding balance of {$1000.00}. 

On XX/XX/20, I was charged an additional {$0.00} minimum finance charge. On XX/XX/20, the Customer Service rep reversed the {$0.00} finance charge but not the {$29.00} returned check fee or the {$0.00} interest charge. I also requested that the account be closed. The offer was to give me discounts for future purchases.
Product: Debt collection

I had a loan with XXXX and I have all of my payment history to attest this. When I attempted to pay off the loan between the XXXX and XXXX payment to clear the entire account XXXX denied the payment XXXX  times and falsely reported to to the XXXX credit bureaus that I stopped making payments in and sold the closed account to Velocity Investments who bought it illegally. XXXX breached contract and Velocity Investments is now suing me in court since then I have not had a proper service of this which violates my rights to a due process. They claim I breached contract with Velocity Investments and they are lying on court documentation to obtain a debt not due to them. I need assistance with this matter as This is not the original creditor and the original creditor denied pay Off to violate FCRA and report negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is showing incorrect addresses for me that I never resided or inaccurate addresses. The addresses that are not mine are : 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
Product: Student loan

On XXXX XXXX, 2016 I submitted a payment for my remaining loan balance of {$1500.00}. This resulted in my loan being paid off. On XXXX XXXX, an additional {$500.00} was deducted from my account, which is the regular ACH payment that I had set up. I contacted customer service to ask them to release the funds back to my bank account and I was told that I would have to wait up to 30 business days to receive a check for the stolen funds. 

The Payment Request notification that I received states : " You 'll receive credit on your account as of the payment date listed. '' If my loan was paid off, and showed to be paid off, then why has Great Lakes continued to fraudulently deduct money from my account? 30 business days is entirely unreasonable, especially when Great Lakes is in the wrong. My account should be credited immediately. If that is not possible, a concerted effort needs to be made to issue the check immediately to mitigate my loss. Great Lakes had no problem charging me a daily interest rate of 6.55 %, but seems to think it is acceptable to drag their feet for up to 6 weeks and hold onto my money interest-free! 

When I asked customer service to reverse the payment, they said that only my bank could do that. I contacted my bank and they advised that Great Lakes initiated the ACH, so only they could reverse the payment. It seems that Great Lakes is intentionally failing to take action in order to maintain control of the funds that they took without authorization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I saw an ad online from XXXX for helping consolidate loans. I contacted them, gave them my information about my loans and they put me in contact with XXXX to process my payments to them. 

I used XXXX to help apply for a lower monthly payment plan. They processed my paperwork and moved my loan servicing to Navient. They failed to migrate my Perkins loan to Navient, so now I have to pay a separate business for this other loan. I was completely unaware that my Perkins loan was n't included in my new payment plan until AFTER I was notified that a bill was past due. 

Before attempting to refinance my loans, I paid all of my federal loans with one monthly payment of {$160.00}. Now, I have to pay $ 175 monthly to Navient in addition to {$230.00} a month to separately pay for my Perkins loan. 

All of this is not including monthly payments I have to make for private loans.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding 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: Checking or savings account

I was in a treatment facility, and I had my new debit card and credit card sent to my ex-friends house, because I was homeless. She received the cards and spent all my money which was over {$3000.00}. I notified Chime XX/XX/XXXX & XX/XX/XXXX by email as I had no cell phone. I couldn't talk to a human being there but I emailed them warning them to call me because there was a problem with my account. They never had anyone call me and less than a week later, my ex-friend had spent all my money. I called Chime and they wouldn't stop my cards because I couldn't prove I was me. Then I filed multiple disputes that they denied. I have a police report and a sheriff 's Report and now it's gone to a hearing for larceny. The sheriff 's department gave me pictures of this friend stealing my money at the ATM on XXXX occasions. Her name is XXXX XXXX. I need to be reimbursed for these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ignored all the files submitted in complaint XXXX and told me to call them or use their site which had they reviewed the files they would know I have done and was unsuccessful I am ready to sue them at this point.
Product: Debt collection

I received this message multiple times : This is Unifin, a debt collector. We have an important message regarding your outstanding balance of {$1200.00}. If this is a mistake report it here : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Call us at XXXX or access our Self Service portal : XXXX XXXX XXXX Reply STOP to opt-out. 

I called them once to see who they were acting on behalf of, they told me and I reached out to that company myself to confirm that I do not have any outstanding or debt owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unlawfully placed hard inquiries from third party financial institutes on my consumer report without my authorization or permissible purposes under the FCRA 15 us code 1681b thus violating 15 us code 6803 which prohibits disclosure of nonpublic personal information without the knowing and expressed consent of consumers, 15 us code 6821 and 15 us code 6803.
Product: Debt or credit management

I use LEXINGTON LAw firm for credit repairs. My credit score went down instead of going up. I use them between XXXX or XXXX But they asked for more money
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$1400.00}
Product: Checking or savings account

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. : XXXX XXXX Account XXXX and XXXX XXXX. XXXX Account XXXX To Whom It May Concern : I have learned that my business accounts mentioned above are frozen and to be closed within 60 days from XX/XX/XXXX due to YOU HAVE VIOLATED THE TERMS OF YOUR ACCOUNT PER CLIENT MANUAL Please explain what terms have I violated based on your CitiBusiness Client Manual US Markets Effective XX/XX/XXXX and various Amendments to the CitiBusiness Client Manual, US Markets? I just viewed my accounts and I did not make any transactions at all while I was in XXXX, that I violated the terms? I was out of the country vacation in XXXX from XX/XX/XXXX thru XX/XX/XXXX and periodically viewing my account via online application on my iPhone. 

I would like to request to unfrozen OR close my accounts immediately so that I can purchase my investment property by XX/XX/XXXX. 

I can be reached at my cell XXXX or via email XXXX if you have any questions,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the same account from XXXX XXXX XXXX twice. The collection open dates are different for the same amount and the same account number of XXXX. I have sent multiple letters disputing the inaccurate reporting and this have not been resolved. I keep getting a response stating BOTH accounts are reporting accurately. When its clear that its is NOT. Equifax added the account in XX/XX/2020. I received no notification from the company. The dispute process has been unsuccessful, as Equifax states this is verified correct. This has impact my credit tremendously and to not have this inaccurate item removed is stressful. My next step is legal action.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and i want them to be removed from my credit report in the 3 credit reporting agencies. See bellow which are the accounts : 1. Identity Theft XXXX XXXX XXXXXXXX This is not mine 2. Identity Theft XXXX XXXX XXXX XXXX This is not mine 3. Identity Theft CAPITAL ONE XXXX This is not mine 4. Identity Theft CAPITAL ONE XXXX This is not mine
Product: Mortgage

Every month I send RoundPoint Mortgage Servicing Corp. an additional principal payment besides my monthly mortgage payment. I send RPMSC each month two different checks to avoid any confusion. One of the checks carries the inscription " additional principal. '' This is what it does with this extra payment : it places this additional principal payment every month in a " suspense/unapplied fund account. '' For instance, RPMSC received on XXXX XXXX and additional principal payment, it 's still on on a supense account as of XXXX XXXX. I had complained to the company several times about this and other problems without any success.
Product: Debt collection

I sent a letter XX/XX/ requesting debt verification with 30 day notice.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of several accounts on my credit report that I do not recognize and have no knowledge of. The accounts in question are listed under the following names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have thoroughly reviewed my credit report and can confirm that I have no recollection or record of opening or being associated with these accounts. Additionally, I have not received any prior communication, billing statements, or notifications from these entities that would indicate I owe any debt or have any financial obligation to them. 

Given that these accounts appear to be erroneous or potentially fraudulent, I am requesting an immediate investigation into their legitimacy. If these accounts are found to be reported in error or associated with identity theft, I kindly ask that they be removed from my credit report without delay. 

Please keep me informed of the progress and outcome of your investigation. I would appreciate it if you could provide me with any documentation or information you may have regarding these accounts to help resolve this issue as quickly as possible. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under of some sort under Nissan. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Nissan on more than one occasion they could not assist with resolving this matter.
Product: Mortgage

I just received a phone call from Ditech mortgage stating that my payment has changed. It had been increase for over $ 250+ since XXXX of 2015. They admit they did n't send a letter stating the increase, they explained to me that this was not required. Now I am behind and need to come up with {$1500.00} to come current and pay the new {$1600.00} mortgage payment. This was an increase of 1 % last year and then another 1 % this year without notification of any kind. I explained to them that notification was never received at our residence for this mortgage increase, they explained that they did not have to send a payment increase notification. It had increased 18 months prior and the payments that were made by me were current every month, but short since the payment has increased. 18 months later we get call stating the payment has increase to {$1600.00} and we are behind an additional {$1500.00}. This was the first call we received from anyone at Ditech or Greentree ( the previous lien holder ) on any thing to do with my mortgage. They were very forceful and abrasive with their tactics of revenue recovery. 

Ditech XXXX, AZ Office supervisor XXXX XXXX
Product: Mortgage

I have paid out XXXX to an attorney to help me save my home. It did not happen. XXXX, XXXX, XXXX and Bank of America have all had their hands on this house at XXXX point or another. I have been told to convert the chapter XXXX to a XXXX and give up my home. I am XXXX and so is my mom. I have a XXXX in my home for over 30 years. But nobody cares. All they want is to get their hands on the PMI insurance I have on the house and they get to sell the house to They have not offered me any kind of money to help me relocate Nothing. And this is the American way. All I can say is that I am a victim of predatory lending, something is wrong when the families are torn apart, the elderly and XXXX have no rights or protection. 
XXXX never served or tried to serve me any kind of summons, letters nothing. They are wrong. I need help because I did not come into this house poor, broke, no money, etc. Since I have been paying them my mortgage for over a year and my bills I am broke. These people broke all kind of laws and it looks like they are getting away with it.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, XXXX Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX  XXXX Balance : {$790.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.