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

I certified mailed Transunion advising them they violated my federally protected rights on XX/XX/XXXX ( tracking number # XXXX XXXX XXXX XXXX XXXX ) and 2nd request on XX/XX/XXXX ( tracking number # XXXX XXXX XXXX XXXX XXXX ). Transunion did nothing to resolve request and We cant find any recently completed disputes. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. ) Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. ) Account Name : XXXX XXXX, XXXX Account Number : XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$310.00} XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$55.00} The Fair Credit Reporting Act 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. States a consumer reporting agency can not furnish a 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

15 U.S.C. 1681g. Disclosures to consumers ( a ) information on file ; sources ; report recipients ( 1 ) All information in the consumers file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit a scores or any other risk scores or predictors relating to the consumer.
Product: Mortgage

I believe that the Consumer Protection financial Bureau has not service the purpose that it was created for. Under this present President I don't see where they have help to resolve any issues. I have had issue with Well Fargo Home Mortgage, and Well Fargo Bank for the last ten years. This banking institution has not been great with the Afro-American community. In the last few weeks we have suffer discriminate in the Police Department, and Had a XXXX man executed in broad day-light by the people we pay taxes too, and on the door of their police car their is a sign that says " Server and Protect '' what a joke!!!! that the same feeling I have about Well Fargo Bank. This Institution is suppose to assist their customers in a professional matter, but when I look at the overall services that I have receive over the XXXX years that I have been with Wells Fargo Bank. I would definitely inform any person of " XXXX '' not to do business with Wells Fargo Home Mortgage or Well Fargo Bank, N.A. I have taken a look at my mortgage payment 's form and notice that I am paying more interest then principal. How can I be paying more interest then principal, after being with them for more then fourteen years. On top of that the interest rate at this time is " XXXX '' with the federal reserve, and I have an adjustable loan at this time. I don't trust Wells Fargo Bank, and I can not not wait to make a move to another loan institution, so, that I can get away from this illegal institution ( Wells Fargo Bank ) I am XXXX years in this world, and if any " XXXX '' person hears this message please don't do business with this particular banking Institution. They are dishonest, and They do not mind discriminating against the " XXXX '' community.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for these accounts. I don't even shop. I told them to remove and show proof they'd they can't XXXX XX/XX/XXXX XX/XX/XXXX Department, variety, local, regional, and national chains XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance other than personal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2022, someone stole my identity and opened an account with XXXX XXXX. The balance was sent to a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We filed a police report in XXXX of 2022 and did the required paperwork from XXXX XXXX. At that time, the other credit bureaus had it removed, but Experian did not. We recently found out that the fraud is still on our credit report with Experian, and filed a dispute, but they refused to remove it. 
Today we called XXXX XXXX who told us they had it removed from the credit collection agency, but they refused to do anything else about it. We called the credit collection agency, who said the debt is still valid and was not removed by XXXX XXXX. They hung up on us and wouldn't tell us anything else. 
Experian, XXXX XXXX, and the collection agency will not help us have this removed and we are trying to buy a house.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I sent TransUnion and the other two bureaus my police report. XXXX and XXXX blocked the fraudulent accounts listed in the police report within 4 days pursuant to the Fair Credit Reporting Act. TransUnion continues to report fraudulent information ( XXXX XXXX ) on my credit to date. I have called in to resolve this and the representatives have heavy accents and are located outside of the United States. I don't think they are fully familiar with the Fair Credit Reporting Act.
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 transactions were authorized, I was charges and credits. This issues aligns with the recent CFPB findings against NAVY FEDERAL for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXXXX*********** Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I dont know if i am in the correct place or not but I NEED TO BE ABLE TO USE THE XXXX APP!!!!!! I bank with PNC and they wont allow me to use the app even when i sign in. Please change this bs!
Product: Debt collection

In late 2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report because they agreed the amount was not owed based on circumstances. Although I have communicated numerous times with the collection agency they continue to attempt to collect the debt and refuse to delete the derogatory collection item that was placed on my credit report with all three credit reporting agencies. To date I have not received any letter from the collection agency providing me with an opportunity to dispute the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : USDOE/XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, USDOE/XXXX  XXXX Date XXXX XX/XX/XXXX Balance $ XXXX, USDOE/XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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, false information and, fraudulent accounts consist of a personal credit card account opened XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an auto loan opened at XXXX XXXX XXXXXXXX XXXX, XXXX under the account number ( private ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number ( private ), another collection account that was used for an apartment opened at XXXX XXXX XXXX on XXXX under account number ( private ), and another collection account that was used for a different apartment opened at XXXX XXXX XXXX XXXX XXXX XXXX under account number ( private ). 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

TD Bank is not complying with the regulation that requires mortgage services to publish, in a clear and distinct way, how and where to submit a Request for Information & Notice of Error. The regulation 12 CFR 1024.36 ( b ) states : ( b ) Contact information for borrowers to request information. A servicer may, by written notice provided to a borrower, establish an address that a borrower must use to request information in accordance with the procedures in this section. The notice shall include a statement that the borrower must use the established address to request information. If a servicer designates a specific address for receiving information requests, a servicer shall designate the same address for receiving notices of error pursuant to 1024.35 ( c ). A servicer shall provide a written notice to a borrower before any change in the address  used for receiving an information request. A servicer that designates an address for receipt of information requests must post the designated address on any Web site maintained by the servicer if the Web site lists any contact address for the servicer. 

I have combed TD Bank 's website and can not locate a specific address to send this type of correspondence. When I called TD Bank to ask about the address, I could not manage to get connected even to a person who could speak to me with any knowledge about mortgage servicing at all, let alone tell me accurately where to send a Request for Information. I was given the fax number for the escrow department the first time I called, and the second time was given an incorrect address. I called a 3rd time and the person who answered decided to give me the general correspondence address. I was eventually able to confirm this address on the back page of a mortgage statement, but that alone does not comply with the regulation about. There is literally no place on the website that offers an address apart from direct banking locations, and although I have clients who have mortgage serviced by TD Bank, there is no indication on their website that TD Bank does anything beyond the application for and origination of mortgage loans. I find this astounding.
Product: Credit card or prepaid card

Received a 0 % APR until XX/XX/2023 on balance transfers in XXXX from XXXX. I received their cashier checks to make the withdrawal and use the money to pay off the other credit card. The withdrawal for the balance transfer I made was for {$4500.00}. I continued using my card to pay for items, and paid down to {$4500.00} to make sure I don't get hit by any additional interest on anything above the promotional balance. 

I paid down the amount to {$4400.00} to ensure that this wouldn't happen again and that I have some buffer between my promotional offer and the rest of my usage. 

On XX/XX/XXXX I still got hit with interest rate even though I was under my promotional balance of {$4500.00}. I called USAA and spoke to a representative and he confirmed everything was good on his end and he didn't know what caused the interest fee. So he had it removed completely. Now a month later XX/XX/XXXX and I am still getting hit with an interest fee. I spoke to representative today at USAA, XX/XX/XXXX, and they claim they now can't find any agreement we have made nor any balance transfer promotion even though I still have the original email which they can't seem to locate at all on their end. This is an extremely shady business, and this isn't the first time they add fees or interest on promotional offers. They had to settle out of court a few years ago for the exact same thing and now they are still doing it and it is incredible to me that they are being allowed to get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and notice unauthorized inquiries from XXXX  XXXX XXXX XXXX  and XXXX. I recently applied for a credit card with XXXX  XXXX and got approved but I didnt apply for an auto loan or go to any dealer so Im sure this is fraud activity. I called the company and they said they would get back to me in 24 hours and its been 3 days. I want these inquiries removed from my report ASAP.
Product: Mortgage

Lender charging fees for property registration. Currently my late father 's estate is in probate. His house had an outstanding mortgage balance of approximately {$41000.00}, and was just transferred into my name as the executor/ beneficiary in his will so it could be sold and payoff the mortgage balance.I had notified Carrington on XX/XX/XXXX of his death and have been communicating with them during the probate process. I had a buyer for the house within a week of advertising, with a closing date set for XX/XX/XXXX. I questioned the lender regarding fees on the payoff stated as " other unpaid expenses '' XXXX XXXX dollar. I was then told correctly by XXXX XXXX that the payoff had expired and I would be issued an updated one. Upon receiving the new statement, the other unpaid expense was now XXXX dollars. The breakdown of fees were as follows : Breakdown of Amount Owed : Unpaid Principal Balance : {$40000.00} Recording Cost : {$.00} Interest at 11.29200 % {$3000.00} Recon/Release Cost : {$.00} Principal & Interest Advance : {$.00} Other Unpaid Expenses1 : {$15000.00} Escrow Shortage : {$1100.00} Late Charges : {$.00} PMI/MI Premium Due : {$.00} Prepayment Penalty : {$.00} Escrow Credit : $ - .00 Deferred Pursuant to Loan Modification : {$.00} Suspense Balance : {$.00} TOTAL AMOUNT TO PAY LOAN IN FULL : {$60000.00} A further breakdown of the Other Unpaid Expenses were as follows : FEE EXP DATE DESCRIPTION FEE REM TYPE CODE ASSESSED AMOUNT BALANCE XXXX XXXX XX/XX/XXXX FCL TITLE FEES XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY INSPECTION XXXX XXXX XXXX XXXX XX/XX/XXXX FCL TITLE FEES XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY INSPECTION XXXX XXXX XXXX XXXX XX/XX/XXXX FCL TITLE FEES XXXX XXXX XXXX XXXX XX/XX/XXXX FCL PROPERTY REGISTRATION XXXX XXXX XXXX XXXX XX/XX/XXXX FCL CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY INSPECTION XXXX XXXX XXXX XXXX XX/XX/XXXX FCL SERVICE COSTS XXXX XXXX XXXX XXXX XX/XX/XXXX FILING FEES XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY REGISTRATION XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY INSPECTION FEE XXXX XXXX TOTAL FEES DUE XXXX After this I would not sign the HUD for closing until the fees were fixed, as I thought it had to be a typo. As it stands, this was actually from the citys ordinance for vacant/foreclosed property charged to lenders. I spoke to the Deputy Director of Planning & Administration who confirmed this should not be charged back to the consumer. Carrington also knows upon selling the property, they can submit for a release of the bond which will be refunded to them, minus {$1000.00} for administrative fees. So in essence, they are charging me the {$10000.00} for the registration fee they paid to the city, and then will receive {$9000.00} of it back, netting a gain of {$9000.00}.
Product: Debt collection

I am not aware of this owed balance from the original creditor, XXXXXXXX XXXX. I have asked for a validation of debt however it has not been received.
Product: Checking or savings account

I submitted a mobile deposit in the Huntington Bank on XXXX. The check was a student loan refund. The check was issued by the U.S. Treasury. The check was for {$6100.00}. The check appear on my account on XXXX. 

I received a email on XXXX that stated that a hold was placed on my account, and that the hold was placed on the deposit through XXXX. On XXXX, I received an email that the hold on the check that I deposited on XX/XX/22 for {$6100.00} was released. The funds appeared to be available in my account at that point. I tried purchasing something using my debit card, and my card was declined. I deposited {$140.00} dollars into my account on XX/XX/22 and after the deposit my printed deposit slip show XXXX dollar negative on my account. I called an they indicated that my full account was now on hold, but that it would clear once the check was released. I called on the status of the account numerous times. They told me I that I had to get proof from the department of treasury that the money was mine. I went to local branch and showed them the physical check as proof that it's the same. I called the department of treasury and they indicated that the check was cleared. They described the check and it was the same description of check that showed on my Huntington deposit statement. The check was issued by the US Treasury bur it was a student loan refund from the US Department of Education. So I called the US department of education to help. They even spoke to Huntington on the phone. Both the department of treasury and department of education said they could not issue another check or stop the check because it had already been paid and was in my account. Huntington refused to release the check because they claim that it shows as a duplicate deposit in the Treasury XXXX system. The treasury indicates that the check is only deposited in XXXX account, and I can see from my balance that it is deposited in my account. The department of education ( via XXXX ) advised us to file a police report. We filed a report with the XXXX XXXX ( XXXX ) XXXX on XX/XX/22 ( XXXX number - XXXX ). We retrieved the report from the station on XX/XX/22. We went back to the local branch afterward for any update and they continue to indicate that the hold remains and that they will not release the money. We spent hours on the phone with Huntington Bank over the past few weeks, and have not made any progress at all. They refuse to let us speak to fraud department and everyone that we talk to tells us something different. We do what they say and have not made any progress. At XXXX point they indicated that the funds would be available the next day, but it was the same story and the hold was never released. Huntington bank has the {$6100.00} check and is profiting on that money but refuses to either release to funds to me, or release the funds back to the US treasury so that the Department of Education can re-issue a check. We literally do not have any more options. We have exhausted all our options to gain access to our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX still appears on my credit report they are out of business and have I was late with several payments which is not true