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

I, consumer, entered into a consumer credit transaction with, XXXX XXXX and XXXX bank. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which XXXX XXXX and XXXX Bank failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports.
Product: Mortgage

Called bank of america XXXX XXXX to fix my HELOC variable rate. was told by customer service that the rate was to become fixed at the end of the draw period in XXXX automatically. i explained that my paperwork said nothing about the rate being fixed at the end ot the draw period.. Called again the first week in XXXX XXXX to confirm that the rate was fixed as my paperwork did n't call for a rate fix at the end of the draw period.I was told that it was fixed. Called bank of america in mid XXXX XXXX about another issue and inquired again about the rate. i informed the representative that i was told it was fixed and the representative said it wasnt ... ..and they could see the other inquiries to fix the rate in XXXX and XXXX. Funny how this misinformation was given me at the time the federal reserve was meeting to raise the rates ... I feel that i was intentionally misled by bank of america. even though my rate was ultimately fixed in XXXX XXXX it will cost me more per month than it would have if they would have been truthful with me initially. I 'm sure im not the only customer that experienced this. Would like to know how much money was stolen from consumers by this little scam ... ..
Product: Credit card or prepaid card

I received a bill from XXXX XXXX for in XX/XX/XXXX. I have have had a XXXX XXXX card for 12 years. I had not used the XXXX XXXX Card since XX/XX/XXXX because I was using an XXXX   Credit Card for all purchases under the XXXX Brand. 

I reviewed the charge and called Customer Service to report a fraudulent charge and request new cards. They took my information and mailed new cards. I then began receiving phone calls saying that my account was overdue. When I tried to access the account it reported a zero balance. 


I then called customer service to report this. They said that there had been a mistake and I never should have received collection calls. And that my account was still under review. 

I then received another bill iwth interest and fee charges attached to the initial charge. 
When I called customer service and complained that I had requested the charge be reviewed she said that they were going to continue to charge my card fees in case I was lying about the charge. Since then I have been receiving collection calls 10 times a day about this fraudulent unresolved charge. I have heard nothing from XXXX XXXX. I have a balance on My XXXX card that will be transferred and I will never shop at a XXXX XXXX store again. Help!!!!!!
Product: Student loan

I've attempted to request lower monthly payment amounts without success. When I fist got the loan I only owed about 15K now I owe more than 30K. How is that acceptable? My balance owed has doubled in only 12 years from the time I finished school. 
Late fees keep adding up. My credit score keeps falling due to higher debt ratio and the cost of living is rising every year. How is someone with an XXXX XXXX supposed to live if they are getting hit late fees and high interest rates that double the date every year? 
When I first applied for this loan full disclosure of late fees and interest rates where not provided. I was also not advised to apply for fasfa or any other scholarship to help pay for my education without having to turn into loan debt. 
I'm pretty i was also cheated in the way my payments in the past where applied but the Navient website does not provide that data of course.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX was the subject of identity theft and fraud. XXXX XXXX   continues to report invalid and inaccurate information to Equifax. This is despite receipt of my FTC Identity Theft report. I requested protection under 605b, 4-day blocking rule and XXXX XXXX has failed to comply. 

XXXX XXXX  has also repeatedly failed to send account statements as requested many times.
Product: Mortgage

My mortgage was denied a modification because they said my income was insufficient. After reviewing the denial it appears they used less than half my income to qualify me. When I asked them to give me an explanation why they didn't use all my income they refused to give me an explanation.
Product: Credit reporting

XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past XXXX years I have made several attempts to remind CAPITAL ONE of their duty under the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act. My records indicate that CAPITAL ONE is reporting an account on behalf. By sharing my nonpublic personal information to NON AFFLIATED THIRD PARTIES. To my knowledge, I no longer have an account with their company. 

Under the Gramm-Leach-Bliley Act a former customer that " has obtained '' a financial product or service from a financial institution but no longer has a continuing relationship with it. For purposes of your obligations under the Privacy Rule, a former customer is considered to be a consumer. 

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. 

CAPITAL ONE failed to provide a privacy notice, including an opt-out notice prior to sharing my NPI with these nonaffiliated third parties. 

XXXX XXXX XXXX CAPITAL ONEXXXX
Product: Credit reporting or other personal consumer reports

Online information XXXX XXXX XXXX date XX/XX/2019 {$350.00} I did not open this account, and I have never authorized any transactions or credit associated with it. This account was opened fraudulently without my knowledge or consent. 
I kindly request that you investigate this matter, remove the fraudulent account from my credit report, and take any necessary steps to prevent further damage to my credit.
Product: Student loan

They have been constantly leaving phone messages over the past several weeks. I can not afford the full amount of the loan payments. I was unemployed for  1.5 ye ars. I was even paying {$150.00} per month during that time out of my savings, which I was living off of.   XXXX  They are now calling family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed a fraudulent account with reporting a false incorrect social security number tied to this account on my TransUnion credit file. The discovery was made that the Debt Collection Company named XXXX XXXX XXXX, Original Creditor XXXX XXXX has used the name on my credit file to falsely and fraudulently place the said account with a fraudulent social security number that does not identify me. TransUnion Dispute result claims the information is correct even though it is obvious the social security number XXXX XXXX XXXX has provide to TransUnion does not match that of my true identifying social security number. TransUnion has failed to properly address my concerns regarding the identity theft and I feel my dispute was never investigated. I have filled an Identity Theft Report with the FTC and have included the copy of my Identity Theft Report and all supporting documents required stated in the report from the FTC.
Product: Credit reporting

I have public records from Virginia Courts that remain on my Transunion report. Recently, these same records were deleted from my XXXX report due to a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/, 2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts late will be removed. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}
Product: Checking or savings account

I was charged excessive overdraft fees from Wells Fargo from XXXX and would like to be part of the Wells Fargo class action. At one point I was charged 10 overdraft fees in one day. This is a predatory practice and I was negatively affected.
Product: Credit reporting or other personal consumer reports

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX IS REPORTING ON MY XXXX. AND MY EQUIFAX CREDIT FILE THAT I OWE THEM MONEY THAT I DONT. I HAVE PREVIOUSLY ASKED THEM FOR A VALIDATION OF THE DEBT IN WRITING, WHICH I AM STILL PATIENTLY WAITING FOR. I AM ON XXXX, WHICH MEANS MY INCOME IF FEDERALLY PROTECTED. THE OLD XXXX  ACCOUNT WHICH IS NOT MINE TO BEGIN WITH AND IS TRYING TO BE REAGED BY XXXX XXXX IS THE ONLY THING I CAN THINK OF, WHICH WAS OVER 2 YEARS AGO. I WANT THEM TO STOP BOTHERING ME, WHICH IM ENTITALLED TO ASK FOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I received a copy of my credit report with the intentions of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not 100 % agreeing what they are reporting. I know by law from the Fair Credit Reporting Act where it states I have the right to challenge anything I am not aware is accurate. I have reached out to company below who is reporting inaccurate information.

I ask the following accounts be removed right away : XXXX XXXX Acct XXXX XXXX XXXX In accordance with the Fair Credit Reporting act account # 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 states a consumer reporting/agency can not furnish a account without my written instructions
Product: Mortgage

GreenTree sold our mortgage to ditech after my father passed away 10 years ago. They chane our payment rates, have us late every month, and refuse to transfer ownership via probate order. Now they are refusing to take any payment from us.
Product: Debt collection

COLLECTOR KEEPS CALLING MY MOM AND DADS CELL ( XXXX ) XXXX AND XXXX 13 TIMES AND WERE TOLD TO CAES CALLINGS MONTHS AGO SO WE TOOK SCREEEN SHOTS And are now suing you in XXXX district court for {$5000.00}
Product: Debt collection

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX
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 charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. Its a fact that these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

This is in regards to a XXXX XXXX credit card account under XXXX XXXX. I decided to go with the 0 % interest for 24 months program in XXXX XXXX. I noticed in my next billing statement that I was charged for " purchases '' however this was in disguise to debt protection that I did not willingly sign up for. I was denied credit of debt protection due since XXXX stated that I " signed up for the optional program in XXXX XXXX ''. I did not willingly sign up for the program in XXXX and when I asked what the charge was for XXXX XXXX claimed it to be interest expense. 

I believe this also related to the CFBP suing XXXX for the {$700.00} XXXX of unwarranted add on charges to consumers that were not given the option of obtaining the services. 

I am not sure as to the exact amount that I 've paid to debt protection since XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXXg debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$540.00} XXXX XXXX BALANCED {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$2400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$220.00} XXXX XXXX XXXX BALANCED {$3100.00} XXXX  XXXX BALANCED {$2100.00}
Product: Debt collection

I have a personal loan through One Main Financial in XXXX, KY XXXX. If I am ever late on a payment, they call me multiple times a day, and they continue to call me before XXXX XXXX despite me telling them not to.
Product: Debt collection

This complaint stems from an alleged debts that appears on my credit report as LVNV Funding. See Attached. I have no contractual relations with this company and they are on notice that reporting information without my consent is punishable for defamation and trespass on person. See Attached notice.
Product: Debt collection

A gentleman named XXXX XXXX continues to call my place of employment along with my husbands place of employment after being asked repeatedly not to. I work at a hospital and he tells the operator where he is calling from and that is a personal matter. I have to be paged and it is keeping me from doing my job
Product: Debt collection

XX/XX/2024 - Contacted XXXX XXXX XXXX, XXXX via email regarding XXXX accounts. Received information on XXXX account, showing a balance of {$250.00}, significantly lower than reported on credit report. Requested further validation of debt. 

XX/XX/2024- XXXX XXXX XXXX informed account placed in dispute ; awaiting validation from XXXX XXXX before resuming collection activity. 

XX/XX/2024 - Followed up with XXXX XXXX XXXX, informed account returned to XXXX XXXX. XXXX Credit Collection Service reporting both accounts on credit report. 

XX/XX/2024 @ XXXX - XXXX contacted Credit Collection Service, representative XXXX requested {$1.00} fee to review information for debt validation, violating multiple laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I was turned down for a new car loan. This past Friday, I tried to get my " free '' annual credit report from " Equifax '' without any luck.
Product: Checking or savings account

To the Consumer Financial Protection Bureau, I am writing to file a formal complaint against Comerica Bank regarding their unlawful withholding of funds from my account. My name is XXXX XXXX, and I have encountered significant difficulties with Comerica Bank in accessing my own funds despite providing ample evidence of ownership and the origin of the deposited checks. 

After enduring a lengthy 20-day hold period on my initial deposit, I was finally able to access my funds, only to encounter further problems shortly thereafter. Subsequent attempts to log in to my online account were unsuccessful, and once again, I was met with refusal to provide assistance over the phone. 

Upon visiting a Comerica Bank branch in person, I was informed that my funds, totaling {$7000.00}, were being held indefinitely due to the bank 's request for original deposit checks dating back to XXXX. This demand directly contradicts the terms outlined in Comerica Bank 's online terms and conditions, which state a retention and destruction clause for original items after 10 days. The prolonged hold on my funds has not only caused me significant financial strain, resulting in losses of over {$20000.00} missing days of work spending hours talking to the bank. 

Since the initial deposit, I have only been able to withdraw {$1500.00} from my Comerica account. It is now XX/XX/2024, and the remaining funds totaling {$5500.00} remain inaccessible. Despite my efforts to communicate with Comerica Bank, including writing to corporate, I have received no response. 

Comerica Bank 's refusal to release my funds or close my account is unacceptable and unjustifiable. They continue to send me statements showing the held funds for the last year. There is no valid reason for them to continue withholding my money, especially considering the evidence I have provided to prove the legitimacy of the deposited checks. And evidence that the checks CLEARED AN ACCOUNT THAT I OWNED! 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Comerica Bank for their unlawful practices. I request immediate assistance in resolving this issue and obtaining access to my funds. 

Thank you for your attention to this urgent matter. 

Sincerely,
Product: Student loan

I missed a payment because I was concerned with the cost of my monthly payment. It seemed to go up quite a bit from the previous month. When Navient called me to collect I asked the rep why has the monthly bill gone up so much from my previous bill, I was told it was due to some federal loans coming out of forbearance. That was puzzling because I get monthly statements from XXXX who processes my federal loans now, and that I haven't been on forbearance since before XXXX. I went back to XXXX XXXX XXXX XXXX and had in school deferment, or so I thought, but was told some loans were in forbearance and that they were collecting dues from both private and federal loans. 
I said I had no problem paying on the private loans, but that I won't be paying anything on federal loans until I get an explanation as to why they are trying to collect payments on them. 
This call was on Thursday, XXXX XXXX XXXX addicted XXXX central time.
Product: Credit card or prepaid card

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are not willing to take a settlement offer from me either due to medical issues with me and i am not working at the current moment due to COVID. I received my stimulus check  and wanted to settle the account for the entire {$1200.00} and my current balance is {$2500.00}. The rep told me that they would rather send my account for write off instead of a settlement. That is going to hurt me financially and I've tried to work with them for 6 months now and they are not willing to work with me. I don't know what else to do so i am finally coming to you guys for some guidance please.
Product: Checking or savings account

After filing a complaint against FIFTH THIRD BANK I received a letter from the office of president by the name of XXXX XXXX dated XX/XX/XXXX stating that the information that was reported to a company called XXXX XXXX, and XXXX XXXX XXXX was removed. After verifying with XXXX XXXX on XX/XX/XXXX.  I am still in the system and the issue has NOT been resolved. I have contacted XXXX XXXX as stated twice and left a voicemail i have NOT received a callback and I have let the receptionist know that since she has not returned my calls I will be filing another complaint against her for lying and stated she has removed me from the reporting consumer XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit Bureaus XXXX and TRANSUNION stated that my accounts were properly investigated but how can that be possible when the information shows that the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for these accounts to be removed as they are violating my rights under, the following LAWS.

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 an account without my written instructions.

Also the credit bureaus and the creditor have taken more than 30 days to complete there investigation to which no documentation was provided as I requested, the credit bureaus and the creditor have both verified these accounts without providing any proof or documentation.

Both credit bureaus have instructed me to contact the creditor for proof of verification documents as to why and how these accounts have been verified. The creditor has refused to furnish me any documents proving verification of accounts as well as the credit bureaus.

there is no proof being provided these accounts must be deleted.