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

Chime banking/XXXX I closed the account in I'm still receiving notification that the bank account is still active in someone is using it and I haven't had it active in months closet to a year now the amount was somewhere around {$2000.00} last reported onto my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past year as of XX/XX/2022, I have notified Experian that XXXX bankruptcies that Experian continues to report as accurate and verified is still being reported on my report. Fact is since XXXXXXXX XXXX XXXX XXXXXXXX of which Experian has admitted to using information from them to report this has exonerated me, XXXX XXXX XXXX from this claim that Experian persists to be accurate and verified. Turns out that Experian has caused me undue duress, loss of work, loss of opportunities, loss credit, loss of income, loss of reputation due to Experian 's unconscionable and illegal business practices of which they Experian DOES NOT HAVE A CONTRACT WITH ME TO REPORT SUCH ILLEGAL, UNTRUE, DAMAGING NONSENSE.
Product: Credit reporting or other personal consumer reports

I have filed this dispute about hard inquiries with Equifax many times but Equifax didn't do anything about it. 
Equifax is asking me to contact the companies but it is not my duty. 

When the consumer disputes something like hard inquiries Equifax must investigate it and provide a permissible purpose or remove it ( if they can't investigate it properly ). 

My previous dispute with Equifax is as follows : Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( XXXX ) a firm offer of credit, ( XXXX ) insurance, ( XXXX ) an application for employment, or ( XXXX ) a court order. 
The following inquiries are not related to XXXX of the allowable purposes, as I have reiterated in The Fair Credit Reporting Act. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX - XXXX XXXX XX/XX/year> Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : XXXX ) Name and title of the person who pulled my credit. 
XXXX ) Date they purport that I gave permission. 
XXXX ) Method, they purport that I gave permission. Please include documentation of said permission. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has incorrectly reported three ( 3 ) 90-day late payments on my credit report during a federally mandated suspension of all student loan repayments. When I contacted them to correct this error in their reporting, they refused to correct it. 

According to Section 3513 ( d ) of the CARES Act ( Public Law 116-136 ), federal student loan repayment suspensions were supposed to be reported to consumer reporting agencies positively ( i.e., as if the borrower has been making regular payments. In relevant part subsection ( d ) reads : During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower.

CARES Act suspension of federal student loan repayment was extended until XX/XX/2021. 

Navient has completely disregarded federal law and has ruined my credit. Given that they have made this fatal error in their reporting, I am respectfully requesting that this error be corrected and Navient reflect the appropriate positive payment history.
Product: Money transfer, virtual currency, or money service

Used Zelle as a service with mXXXX XXXX XXXX with the auto accept feature on. Someone zelled me and it was automatically deposited into my account. This person zelled me thinking that my phone number was their grand daughter because the grand daughter had used the number prior to me. Though I have had the number for a few years now so the grandmother or person who sent the zelle should have already known that the other parties number had changed. 

But with the zelle being auto-deposited in and me being unaware, in an effort for the person who sent the payment to get their money back they reported it as fraud. Though it was their own negligence. Zelle then informed my bank without any proper investigation that they had verified that I was a fraudster and had stolen the money. Zelle has all the assets available to them to confirm that the money was not stolen because they could see if the person made a similar transaction after they had reported the fake fraud. Check the device ID of the person, check the ip address of the person, check the location that the person was at with their device when they sent it. But instead zelle without proper due diligence or reaching out to me regarding the transaction. Defamed me to my own bank stating that they had confirmed fraud. Which in turn has now caused substantial injury to me because I have been unable to access my hard earned money, pay any bills, buy gas for transportation and unable to afford the costs of my medication. I additionally have proof that the person sent it in error. 

Attached to this complaint is a message from the party that I had disregarded because it sounded like a scam. But after my bank has frozen my assets and stated that it is because of zelle. I have gone back and begun investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how Transunion received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number XXXX XXXX XXXX  Opened XXXX XXXX I never had late payments XXXX -- Account Number XXXX XXXX XXXX Opened XXXX XXXX I never had late payments XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Opened XXXX XXXXXX/XX/XXXX This is not accurate.please remove this inaccuracy from my report. 

XXXX XXXX Account Number -XXXX XXXX XXXX  Opened XXXX XXXX Is not mine, please remove. 

XXXX XXXX  Account Number -- XXXX -- Opened XXXX XXXXXX/XX/XXXX Is not mine, please remove. 

XXXX XXXX -- Account Number -- Account Number -- XXXX -- Opened -- XX/XX/XXXX This account has incorrect information. 

inquiries, these inquiries were not authorize, please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. 
XXXX XXXX
Product: Credit card or prepaid card

When they asked for a video and more information for their XXXX XXXX card, I decided not to apply. I did not complete the application. 

The website said that i " timed out '' and the application was incomplete. 

They ran my credit anyway. It was a hard hit. 

I did not want to do business with this company, despite the promotion. I decided to make the payment in cash. 

The following day, I was informed by my credit agency that there had been a request and hard it to my credit rating. 

It was almost impossible to reach anyone at Synchrony Bank. I went from XXXX to XXXX XXXX, to XXXX ( they were the worst! ). 

I was never informed via phone or email or text that I had applied or that they were going to run my credit. But, they did. They said I had given approval and they were waiting for the rest of the information that I had decided not to give them. They said they had sent me snail mail letter requesting this information. 

I told them I was not sending it. I would not do business with them and they did not have approval to get my credit information and make a hard hit. They said they did. 

I told them to cancel anything they had from me and that I would not do business with them. They are horrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and FINAL NOTICE AND COMPLAINT BEFORE LITIGATION! ** There is a XXXX late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with Navy Federal Credit Union XXXX Account Number : XXXX, Which is reporting on my credit reports with XXXX, XXXX, and XXXX, which needs to be removed immediately. I was late due to me being sticken with XXXX and have been sick for the times up to the last late recent late payment, which was in XX/XX/XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( Navy Federal Credit Union Home Loan ) making the report is not included on my consumer report. Navy Federal Credit Union, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Also, I have proof of a letter from Navy Federal Credit Union that they would remove the late payment from the XXXX, XXXX, and XXXX, but failed to remove it. This is my last and final time discuss and complaining about this important matter. My next solution will be taking it through the Court System and seeking damages through litigation. Thanking you in advance for your cooperation. Please see attachments and proof that Navy Federal Credit Union would remove the XXXX late payments from my credit reports.
Product: Checking or savings account

On XX/XX/XXXX, I saw the promotion called BONUSXXXX ( XXXX  : XXXX ) and I decided to open a checking account. However when I opened the first account ending in XXXX I realized that in order to qualify for the promo, I had to use the promo code BONUSXXXX, I then decided to open a second account immediately, the same day, this time using the promo code, this account end is XXXX. 

When contacting Capital One customer service by phone, I was told that, that I might not qualified for the promo because the regulations say that If you have or had an open XXXX Checking account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. But I never had an account with Capital One until XX/XX/XXXX when I tried opening the account due to the advertising of the promo BONUSXXXX. 

I called Capital One customer service on XX/XX/XXXX, and I was told that a manual exception is possible if I call on XX/XX/XXXX, to request this exception and explain my situation. I faxed Capital One Customer Service on XX/XX/XXXX at XXXX, find attached the letter that was faxed, without receiving any writing response. 

I called Customer Service one week before XX/XX/XXXX, and now I was told that even do I did the XXXX XXXX direct deposits totaling {$1000.00} or more to my XXXX Checking account within 60 days of account opening, it seems to be that the deposits were originated from Capital One and not the other way around. This information was never told to me on XX/XX/XXXX, the first time I called when the customer service representative told me everything was ok, that I only needed to call on XX/XX/XXXX for the manual exception to be applied, and I never received a response to the faxed sent on XX/XX/XXXX. 

It seems to me that I am being a victim of false advertising, in which Capital One is trying every way to not honor the advertising regarding BONUSXXXX. I tried every reasonable way to contact Capital One, however, I was ignored and when finally trying to get what was promised now I am been told that I don't qualify.
Product: Mortgage

In XX/XX/XXXX I applied for a refi with US Bank. They offered me a XX/XX/XXXX refi at % XXXX. The rep from US Bank signed the agreement and sent it to me and I signed it along with my father, the co-borrower. After a few weeks, they contacted me and told me that ( XXXX XXXX ) my loan rep was fired due to mistakes he made on my and others loan refis and that they couldnt honor the XXXX rate. I then got a higher rate and stayed with US Bank. I applied for another XX/XX/XXXX refi in XX/XX/XXXX and did and provided everything US Bank asked for and in a timely matter. They are now rejecting the loan refi stating that I do not have XXXX straight years of XXXX income. My employer ( who I have been employed with for XXXX years ) took me off of XXXX in XXXX of XXXX and put me on XXXX. So that only gave me XXXX XXXX years of XXXX income. I actually bring home more money with the XXXX due to deductions but they are denying me the refi and are offering a higher rate. THanks for reading and helping
Product: Mortgage

On XXXX/XXXX/XXXX, I called Nationstar Mortgage to make my XX/XX/XXXX mortgage payment. The representative told me that there is {$2500.00} unused ( un-applied ) funds in my account. The only payment I needed to make was {$3000.00}. I made that payment plus a {$19.00} service fee for making the payment over the phone. The payment was never applied to my account because when I made the XX/XX/XXXX payment on XXXX/XXXX/XXXX, Nationstar Mortgage applied it as XX/XX/XXXX payment. I received a letter XX/XX/XXXX to contact them if I have trouble paying my mortgage. I got alarmed and called them on XXXX/XXXX/XXXX. I was told that my XX/XX/XXXX payment was not made and what I paid in XX/XX/XXXX was in fact for XX/XX/XXXX. When I explained about the {$3000.00} payment in XXXX and the {$2500.00} of unused funds, the representative was able to confirm it and said that they would correct the issue. On XXXX/XXXX/XXXX, when I received my credit score, I noticed a drop in my score. When I pulled my credit report, I noticed that they reported a 30 day late for XX/XX/XXXX and they never fixed the XX/XX/XXXX paymentFurthermore, I noticed that they reported 120 days late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Nationstar Mortgage received the servicing of my mortgage starting XXXX XXXX. They have received every single payment on time and should not have reported 120 days late to the credit agencies. The payments starting XXXX XXXX until XXXX XXXX are as follows. As shown, there is no late payment since the loan was Nationstar:XX/XX/XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXX Payment of XXXXXX/XX/XXXX Payment of XXXXWhen I called Nationstar, I spoke to an agent for one hour and he found the problem, but dropped the call before fixing it. I called again and after another whole hour, the agent said that he is transferring me to account resolution and instead of transferring, he dropped the call again. When I called back the customer service was closed.
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. 



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 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: Credit card or prepaid card

See attatched statements XX/XX/XXXX & XX/XX/XXXX. USAA SAME DAY FRAUD INVESTIGATIONS END COMPLETE THE SAME DAY THE INVESTIGATION IS BEGUN. .Investigations can NOT be Accurate or are Not done at all. ALL TEMPORARY CREDITS to begin an investigation BECOME NEW CHARGES the SAME DAY BEGUN. Many are paid by merchants BEFORE TEMP INVESTIGATION CREDIT.This temp credit Not made permanet IS NOW A NEW CHARGE. XXXX Beginning Fraud Same Day Credits XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} TOTAL CREDITS for this period {$450.00} are from merchants and my payment NONE ARE USAA CREDITS?? Of the SAME DAY FRAUD INVESTIGATION TEMP CREDITS PAID BY MERCHANTS are XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} NO USAA CREDIT IS NEEDED or provided. MERCHANTS COVERED FRAUD but XXXX XXXX XXXX XXXX XXXX XXXX ARE NOW NEW PURCHASES I DID NOT PURCHASE A SECOND TIME.??? XX/XX/XXXX SAME DAY TEMPORARY FRAUD CREDITS to begin INVESTIGATIONS are XXXX XXXX are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAID BY MERCHANTS {$280.00} NOW A NEW CHARGE XXXX XXXX XXXX XXXX XXXX ALL PAID BY MERCHANTS DURING THAT PERIOD AND NOW ARE NEW CHARGES same day AFTER MERCHANTS PAID TO COVER FRAUD???. TOTAL CREDITS for this period are {$910.00} ALL ARE FROM MERCHANTS NO USAA PERMANET CREDITS TO REVERSE.??? USAA COMPLETES FRAUD INVESTIGATIONS THE SAME DAY THEY BEGIN.??? NO Accurate INVESTIGATIONS ARE DONE BY USAA. NO USAA PERMANET CREDITS ONLY MERCHANTS CREDITS???
Product: Credit card or prepaid card

I completed my {$1000.00} in spend in 90 days to get my {$100.00} sign up and it hasn't posted 30 days later
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 seven years.

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

When my home needed a new heat pump in XX/XX/2021, the contractor I selected offered XXXX months financing@ 9.9 % interest. I did not know where the financing was coming from. After paying Wells Fargo for several months ( $ XXXX on the credit limit of {$17000.00} ) I was made aware that I was eligible for 0 % interest. I research this offer from Wells Fargo, while they took back the monies given to the contractor. I told Wells Fargo on XXXX occasions, if the offer doesn't lower the $ XXXX or lower the origional debt of {$17000.00}, forget it. I'm not interested. I will stick with the origional agreement. Wells Fargo changed the terms of the agreement without deducting the 9.9 % interest all on their own, without my consent.
Product: Credit reporting or other personal consumer reports

This account is showing a late payment for XX/XX/year>. I never been late on this account. The payments are {$20.00} a month and is a charge account for the betterment of your credit. However it is the opposite. Please remove late payment or delete account entirely.
Product: Debt collection

On XXXX-20 received a notice in the mail from the Court of Common Please stating action is being taking against me for a debt that was sold to a third party collection agency without my giving verbal or written consent. I have made attempts to reach the original debtor but they have declined my outreach. I have filed complaints with all three credit bureaus stating the debt was sold which caused a breach HIPAA buy  selling my full name, social security and date of birth without written consent and such actions have violated my consumer rights rights creating financial damages and hardship. This action has contributed to the decline of my mental status and increased stress.
Product: Debt collection

Winberg Mediation Group contacts every person and even employer they can. they called my parents brothers former and current employer. informed them that i was being sued. additionally have threatend me with a law suit if they werent paid. as recently as today by XXXX XXXX. Attached is a copy of a message left for my boss
Product: Mortgage

OnXX/XX/XXXX I noticed that my mortgage payment jumped from {$1600.00} to {$1900.00} and I was completely caught off guard. I logged online and only noticed statement headers, so I clicked on each one. InXX/XX/XXXX, First National Bank of Pennsylvania sent a notice stating that I had an Escrow shortage of {$1500.00} and it would be spread across 12 months. Normally, when there's an escrow shortage you have the option to pay. Being that my family is on a strict budget I do not want my monthly payments to be around {$1900.00}. When I called FNB, the representative said I could pay the shortage but my mortgage would still increase to about {$1700.00}. If there's an option to pay the escrow shortage, the customer should be clearly given the right to do so in the notification. Quite frankly, I missed the Escrow notification because it was titled " Statement '' in my online banking and was an oversight on my part. Notifications like this should be clearly expressed instead of hidden. Furthermore, I believe the Escrow analysis to be grossly inflated. My insurance from XXXX XXXX XXXX is paid in full and property taxes only increased by {$50.00}.
Product: Credit reporting or other personal consumer reports

I am contacting you to inform you that I am a victim of multiple data breaches from XXXX and the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, XXXX, XXXXXXXX XXXX  deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days