23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This is a complaint against XXXX XXXX XXXX filed by XXXX XXXX. I have been a customer with XXXX XXXX XXXX since XX/XX/2015. Since this time they have shown to be unethical. Totally disrespect I have direct deposits and every time I would receive a direct deposits I would notice money missing from my accounts even when I was n't using the card. In XX/XX/XXXX I had to get a print out of my transaction history. For XXXX when I looked at my transaction history I notice money was being paid to Experian Credit, XXXX XXXX and XXXX which I had not authorize. I contact XXXX XXXX XXXX filed a dispute against the XXXX companies. The money was returned. They cancelled the card and put a tempary freeze on the account until they investigate. Then in XXXX the took the money put of my account account again. I called them they said they find in favorite of the business and I need to contact the business and get my money refund back. I called Experian talk to customer service clerk she ask for my Ss no. I told her I do n't give that information out so finally I give it to her she find no account. Then asks for my Debit Card number I give her the information she ( cs ) clerk tells me their are XXXX accounts open using that card andshe asks me if I know a XXXX XXXX or a XXXX XXXX. I told her I do n't know an XXXX XXXX but I know a XXXX XXXX but neither one of them live at this address. She ask if they had access to my information. I told them no they do n't live here and have no knowledge of what Bank I use. They asked if I left the information on my computer its possible but I doubt it because no one lives in this house but me. And I told them XXXX XXXX does not need to steal money from me. If anything I might need to borrow some from him. But for as XXXX XXXX I do n't know an XXXX XXXX. They said since the card was in my possession. I probably did it or let someone use my card. I told them not I did n't. I asked to speak to a manager. They transfer me to XXXX. I ask her to refund the money she said they can only transfer on payment back if that. Have my bank to dispute it. I called XXXX XXXX XXXX and gave them the information. The said the dispute is closed you can file a reconsideration. I did the said because we have the same last names and I had possession of the card the dispute is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am name is XXXX XXXX and this This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.
Product: Credit card or prepaid card

My credit limit was lowered from {$11000.00} to {$6200.00} and when I questioned this vie letter on XX/XX/2018, a hard inquiry was placed on my credit report. This is not the same as requesting for credit since it is because of an action you took. I have been a good customer and never missed a payment on any Bank of America account. I even made a large payment of {$2500.00} on XX/XX/2018 that I now wish I didn't made if I knew my credit limit would be lowered. Even though my credit report shows negative accounts, these balances involve transactions I disputed. With the balance at approximately {$6000.00}, its obvious my limit was lowered to just above that amount. Now it looks like my card is maxed out instead of 55 % used. I shouldnt be penalized for my history with other creditors.
Product: Credit reporting or other personal consumer reports

The following inquiries do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was refinanced and owned through XXXX in late XXXX, but moved to BSI in XX/XX/XXXX. During the transition a {$450.00} fee was showing on my account under 'Fee Billed ' on XX/XX/XXXX. I have never historically or currently missed or been late on a payment ever. I called BSI 4 times over a 3 week period to understand what the fee was for and get supporting documentation and the company kept telling me that it would be awhile until all documentation would make it over " during the transition '' but that I needed to pay to avoid penalty even though no one could give me any information on the fee or supporting documentation. 

In XXXX of XXXX, 6 'Fee Billed ' charges have shown up on my account with the following dates and amounts : XX/XX/XXXX {$130.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$110.00}, XX/XX/XXXX {$67.00}, XX/XX/XXXX {$45.00}, XX/XX/XXXX {$270.00} and XX/XX/XXXX {$45.00}. Upon seeing these charges mid XXXX, I called BSI on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX to get a response on what the fees are with supporting documentation. NO response has been provided to-date. What kind of company can EVER charge a fee and not know what it is for and have detailed documentation to support that. I asked that my request be escalated on XX/XX/XXXX to a Manager and was given XXXX as my contact. She promised me a response no later than XXXX. When I called back on XXXX I got her voicemail and no call back. I called the main # again on XXXX and was told she left the company! This is FRAUD. 

As noted above, I have NEVER missed a payment ever on my mortgage. The only other relevant item is that the City offered $ to us due to a water project impacting our property and new easements. No money has been received to-date as we are unhappy with the offer. However, this was back in early XXXX and as CONFIRMED with XXXX there is no mortgage $ owed by me given the equity value we have in our home. 

I need a response ASAP on : What are all 8 charges are for WITH line item detail that supports how these are in relation to any misconduct or breach of contract on my end These fees and this process is beyond fraudulent and the fees need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance : {$260.00} ( XX/XX/XXXX - XX/XX/XXXX XXXX DEPTEDXXXX XXXXXXXX Balance : {$5800.00} ( XX/XX/XXXX - XX/XX/XXXX XXXX DEPTEDXXXX XXXX Balance : {$68000.00} ( XX/XX/XXXX - XX/XX/XXXX XXXX DEPTEDXXXX XXXXXXXX Balance : {$31000.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX XXXXXXXX Balance : {$17000.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX XXXX Balance : {$6600.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX XXXXXXXX Balance : {$4800.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX 9XXXX Balance : {$10000.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$21000.00}
Product: Money transfer, virtual currency, or money service

I

am writing to report an unauthorized transaction that occurred on my Zelle account. I did not authorize this transaction and believe it was the result of a scam.
Product: Credit card

On XX/XX/XXXX and continuing through XX/XX/XXXX, I was charged {$13.00} at a XXXXXXXX XXXX {$87.00} at a XXXX, {$190.00} at XXXX XXXX XXXX XXXX {$310.00} at a different XXXXXXXX XXXX XXXX {$20.00} at a restaurant called XXXX XXXX, and {$6.00} at XXXX XXXX XXXXXXXX XXXX I did not make these charges. Several of these happened while I was at work with the credit card in my possession. I watched the {$310.00} and the {$6.00} purchases go through live as I was on my phone on a break at work with the card in my possession. I then froze my account and later that night reported the fraud ( once I got off work ). I have now been told that the charges were all made with the chip on the card, and therefore there is not enough evidence of fraud and they are going to continue to charge me the total of {$640.00}. This is not possible. The card was in my possession while several of these charges several miles away from me were being made. 

I was told by the company that if I could find more evidence by contacting the businesses, they would look into it, but the businesses will only give more evidence to the company and not to the cardholder.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 150 days past due on XXXX since XX/XX/XXXX and 30, 60, 90 late is on Equifax. I cant seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the Fair Credit Reporting Act converganct account # XXXX and # XXXX has violated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 602 A section 2 states a consumer reporting agency can not furnish an account without my consent if you have any questions or concerns i can be reached at XXXX
Product: Debt collection

They keep contacting my work and family members phone numbers, threatening me with careers to find me at my place of employment if I do not call them back. ( The account is past the statue of limitations. )
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that Transunion and XXXX, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate XXXX XXXX XXXX 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

I received a notification today from Experian that my XXXX XXXX account ending in XXXX is delinquent, previously charge off even though monthly payments were made. This information is inaccurate as proof will indicate. 
As 15 U.S. Code 1681, Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/corporation making the report is NOT included on the consumer reports. Yet XXXX and TransUnion is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/chargeoff status and any other derogatory information deleted from my consumer reports effective immediately. Please don't reply that the accounts have validated because I'm not asking for verification nor validation. Some of the accounts have been placed in Charge off without mailing me a copy of IRS form 1099C cancellation of debt. XXXX and TransUnion reporting late payments, charge offs or any other derogatory information in a consumer report is a violation of 26 USC 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : against all entities involved. An opt out notice was never provided to me by either of these corporations. The Opt Out Right : If a bank intends to share nonpublic personal information outside the exceptions, it must also provide the consumer with a reasonable opportunity to opt out. XXXX has already complied. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt you bought from XXXX XXXX is part of XXXXXXXX XXXX. Case No. 22-1936, Civil Action No. 22-cv-10501. XXXX XXXX had no right to sell the debt to you and you have no right to attempt collection. Return the debt to XXXX XXXX immediately and stop contacting me. I will seek compensation for the harassment I've endured as part of the settlement process.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this morning and can't figure out why. I routinely check my report, but this time there were unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but the inquiries remained. This issue is extremely frustrating, and I urgently request that the documents Ive provided be carefully reviewed to put this problem behind me once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I originally disputed XX/XX/XXXX, via mail handwritten letter. I was never notified about a debt I owed with Santander Consumer USA Account # XXXX. I asked Santander Consumer USA to verify the debt and I never received a response and it have been well of XXXXdays. I included my updated mailing address in the letter to make sure Santander Consumer USA would know where to respond to my dispute. I also noticed on my credit report a few details and I wanted to know how the balance was calculated. I would like a signed contract between myself and the debtor. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. I also stated that the date of last activity was XXXX I would like a list of all activity on the account.
Product: Student loan

President Trump has DECLARED A STATE OF EMERGENCY AND THERE HAS BEEN SEVERAL STATES THAT HAVE BEEN DECLARED AS AN EMERGENCY AS WELL INLCLUDING MY STATE. I keep getting calls from Navient that I have to repay my student loans despite the Coronavirus Outbreak. The news has been saying that there have been people who have died from this virus and the number of people increase in our nation have been getting this virus. With people dying and losing their jobs along with containing the spread, Navient still insists that I pay these loans otherwise they will take me to court. This is not only unprofessional, but it is highly unethical as my family and I try to survive while not getting this virus.
Product: Checking or savings account

I opened a Capital One 360 Savings account due to high interest rate. The highest monthly interest I have received is {$1.00}. I thought this was a high yield savings account, in XXXX, Ive only received {$5.00} in interest. Im a little disappointed in this savings account, and I truly feel that Ive been misled.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX 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: Bank account or service

Using a promotional code as offered on the Citibank website for a {$400.00} credit toward my checking account once the account was funded with {$15000.00}, I opened a checking account on XX/XX/XXXX and deposited {$15000.00}. According to communications from Citibank the {$400.00} promotional code was to be applied to my account no later than XX/XX/XXXX which is 90 days after the initial 30 days XXXX 120 days total ). I have contacted Citibank several times and all the customer service reps have explained that the promotional code should appear on my account soon. Citibank has not lived up to their end of the bargain and continue to tell me that the complaint has been escalated to the promotional department but we should just allow them time to complete my eligibility. They already have verified my eligibility and wrote me that I qualified.
Product: Debt collection

XXXX XXXX XXXX does not have my debt statement due to a compromise of payment agreed upon in XX/XX/2015. This debt has been settled and dismissed.
Product: Debt collection

This is the third time that XXXX XXXX XXXX has had a credit collector call me, e mail me, harass me with text messages. Then put this on my credit report, you guys have made them remove two other times. I HAVE NEVER HAD AN XXXX ACCOUNT. I receive government phone service for 9 yrs. I do not owe anything and never did to this company
Product: Debt collection

I was contacted on or around XX/XX/XXXX by Credit Management regarding a XXXX bill. I advised them I do not owe this debt as this was attempted already by another collection company that could not validate this debt. I asked for something with my name and signature and they didn't provide it but added a collection to my account on XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2022 I got a series of emails from Bank Of America stating an account had been opened in my name. These emails were true emails from Bank of America. I have never requested or banked with Bank of America. I tried to contact to close it but could not get anyone on the phone.
Product: Mortgage

Wells Fargo foreclosed on my home : On XX/XX/XXXX I received a letter stating that I owed Wells Fargo a payment of {$4000.00}. They stated that I had an unpaid payments ( XX/XX/XXXX XXXX bankruptcy of {$250000.00}. Total owed {$260000.00} I then received a notice from them on XX/XX/XXXX : Notice of short sale approval for loan XXXX. Two months later, XX/XX/XXXX, my home was sold out from under me for {$740000.00}! After hearing about the CFPB settlement with Wells Fargo in XXXX of XXXX, I wrote a letter through a lawyer friend to Wells Fargo about losing my home and my place of earning my living. To date I have received no response from Wells Fargo. I have documents from Wells Fargo to supplement my statements. 
It is my belief that Wells Fargo purchased my mortgage sometime after I filed for bankruptcy in XXXX the reason was settling my divorce. Then taking out a second mortgage to pay off a ( {$120000.00} ) loan on the original mortgage to a relative and monthly payments for my wife to resettle in her own apartment. I believe that Wells Fargo sold my home illegally and rightfully owes me money! Wells Fargo Mortgage for loan XXXX made a huge profit by selling my home and place of business! I had to move and completely restart my business! The most my mortgage should have amounted to is about {$400000.00}. I believe that Wells Fargo owes me at least {$300000.00} In XXXX i went through a bankruptcy process. Wells Fargo purchased my mortgage from a company named XXXX XXXX XXXX  on XX/XX/XXXX XXXX at the time my mortgage was {$220000.00} and sometime around that time I added {$100000.00} to the mortgage because i had to pay back a relative that loaned us money. I also had to pay my wife during the divorce process. The documents that I submitted from wells Fargo said they were going to help me by doing a short sale on my house ( XXXX XXXX ). They said at that time I owed over {$600000.00}. A month later they sent me a letter saying they already arranged a short sale as a favor to me saying they were selling the house. In that letter it said they were selling the house for XXXX and also they said they already had purchasers for the house. That letter was written by XXXX XXXX and her title was home preservation specialist. The letter had a phone number for her I tried calling and I could not reach her. After i made a complaint with the cfpb I called wells Fargo mortgage because i never heard anything back from them. I was transferred to a person at wells Fargo executive office ( XX/XX/XXXX ) XXXX XXXX and I went through the process and he said it takes 10 business days for them to process and he said I have established a case number ( XXXX ) for your complaint with wells Fargo and that a case worker would be assigned.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center po box XXXX XXXXXXXX XXXX XXXX Subject : Credit Report XXXX XXXX XXXX Dear XXXX XXXX Department , I am writing to formally dispute inaccurate information on my credit report. I recently reviewed my report and found the following errors that must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1. Credit Acceptance- Invalid amount owed, account no longer owed. 

2. Incorrect Inquiries : XXXX OF XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX OF XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX OF XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX OF XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX OF XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX. I have no knowledge of accounts : * XXXX XXXX XXXX XXXX XXXX XXXX  * XXXX XXXX * XXXX XXXX XXXX XXXX XXXX  Please correct these inaccuracies immediately and provide me with a written confirmation of your findings. If you fail to comply, I may escalate my complaint to the CFPB and seek legal recourse. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Current Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, OR XXXX Incorrect Name- XXXX, XXXXXXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX CT, XXXX, WA XXXX