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

On two occasions ( XX/XX/2023 and XX/XX/2023 ) I have applied for credit with XXXX XXXX XXXX XXXX, and despite having excellent credit, both have been denied claiming that they have NOT been able to obtain my Credit report with Equifax. I also applied for credit with XXXX XXXX ( XX/XX/2023 ) and was also denied claiming they couldn't get my credit report with Equifax either. This serious error or discriminatory act on the part of Equifax has caused me great suffering because I needed to purchase construction materials for the renovation of my residence. My credit score at the time of application was over 800 points. 

XXXX XXXX XXXX XXXX ( XXXX ) was again very irresponsible in pointing out again that I had several derogatory events on my credit history. The real reason should have been that they couldn't access my credit report, but to get out of trouble for the second time, they tell me as the reason that I have several derogatory events on my report, which is TOTALLY FALSE. My credit score is over 800, my credit history is excellent, and I have NEVER had any derogatory events on my credit record.
Product: Mortgage

On XX/XX/XXXX, I informed the loan provider that the property had delinquent taxes even though I had made all payments in full and in a timely manner to Escrow. 

Amount for XXXX : around {$8500.00} Amount for XXXX : around {$400.00} On XX/XX/XXXX, after multiple follow ups, the company told me they have investigated and see no issues at their end. 

The same day I explained to them where I was seeing the issue. The representative then mentioned that there seems to be an incorrect parcel number at their end so taxes are not being paid on time. 

I was told I will receive an update by XX/XX/XXXX. I did not receive any update. I followed up every day and was told I will get an update the next day, which never happened. 

Finally on XX/XX/XXXX, the amount was debited from my escrow account and I was provided a XXXX tracking number saying that the payment would be sent overnight to the county. 

The payment was never sent! 

Upon more follow ups, I was told the payment would get to the county by XX/XX/XXXX. On XX/XX/XXXX morning, I was told the payment went out that day. Today is XXXX XXXX - there is no update on the XXXX label or the county website and the money has been debited from Escrow. 

It is unbelievable the amount of work this has caused after making all payments on time. Completely irresponsible and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo sent info about an account which dates doesnt match the year of inquiries or date month Id like this removed XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX of 2017 I applied for a XXXX personal loan. Wells Fargo denied the request. I have a credit score of XXXX ; I have a credit card with them with a limit of XXXX with a current balance of XXXX. I have collateral ( properties ) ; Steady Job ;  been employed by the same company for 14 years ; but I was denied. In the past I been denied twice. Because I m a woman and XXXX. THIS IS PLAIN DESCRIMINATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for an investigation to TransUnion Credit Bureau on XX/XX/2017 concerning 2 Federal Tax Liens : one in the amount of {$33000.00} and the other in the amount of {$930.00} as well as a Collection account on XX/XX/2017 in the amount of {$1900.00}, as well as the request for removal of numerous inquiries which I have included in the PDF attached. They in turn sent me a letter stating that these aforementioned items were not on my report. I've included the latest Credit Report clearly showing that all such items are clearly there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had reissued a student loan listen to be completely fabricatedStory that they would consolidate the other loans with it so I could then return to school. Otherwise there would be XXXX, exactly XXXX reason to sign paperwork on a loan more than XXXX XXXX XXXX. There should be no negative reporting from this loan as it is in the first place originated from XXXX XXXX XXXX  University nearly 24 years ago. If they would like to attest to the validity then there is no way that they should be Mark and me late during XXXX at the beginning of a pandemic when the president himself said that school loans would be put off till the end of the pandemic however XXXX seems to think that students should suffer during these times and wishes to disobey law. XXXX of 2020 what is the beginning of when this country realized we were in trouble and businesses begin to lay off people including my business.
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 for similar practices, where transaction 's settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sumited disputes .. that are fraud on my credit reports .. when I now these accounts do not belong to me .. only one credit reporting company has removed the negative accounts .. ( transmission ) Experian an XXXX .. has done nothing to help me or remain the few fraud accounts..
Product: Credit reporting or other personal consumer reports

There were many discrepancies on my report I contacted Equifax and XXXX to conduct an investigation. Ultimately the companies failed to provide a satisfactory explanation. In which the inaccurate data lowered my fico scores. Making it a challenge to properly utilize my credit sufficiently In my opinion Equifax and XXXX did not handle my complaints correctly.
Product: Prepaid card

Credit karma said that a email were sent to verify but I never received an email they closed my account a few days before my refund suppose to came without a reason. I call and call and were told they don't know why it were closed. Now I don't know we're my money is
Product: Student loan

My monthly payment jumped from {$13.00} a month on a level payment plan to {$50.00} a month this past month. My maturity date also changed from XX/XX/XXXX, to XX/XX/XXXX. I was never notified of any acceleration of my loan, nor am I in any state of default. After calling Navient, they said they would research because they do n't have any record of why it changed either. I hate having to watch my loans like a hawk monthly as this is n't the first issue I have had with XXXX/Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a scam, they even hacked my email and got all of my information in 2019. I have all the police reports, and the pictures of fake checks and hacking proof more than once. Money was stolen from my other account twice after that. I can't open a bank account because Early Warning refuses to correct my information. I have solved everything with XXXX  XXXX XXXX and XXXX. I'm asking for a resolution, to help me out to be able to open a bank account. It's not XXXX, XXXX, XXXX, it's not any other company preventing me from getting my life together.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Submission Complainant : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX Date : XXXX Subject : Disputed Credit Card Account Closure and Inaccurate Credit Reporting by XXXX XXXX  Dear XXXX , I am writing to lodge a formal complaint against XXXX XXXX regarding a disputed credit card account and subsequent inaccurate reporting to credit bureaus. 

Account Details : Originally, I held a secured credit card account with XXXX XXXX, with a credit limit of {$5000.00}. 
Subsequently, I transitioned to using a debit card provided by XXXX XXXX. 
XXXX XXXX  claims that I was moved from a secured to an unsecured credit card, which I contest. I have been using only a debit card. 
Issues and Concerns : Lack of Information and Access : After XXXXXXXX XXXX XXXX alleged transition of my account from secured to unsecured, I was not provided with any documentation or access to account information. This lack of communication and transparency is unacceptable. 

False Allegations and Closure of Account : XXXX XXXX  has inaccurately stated that I closed the credit account, which is untrue. The account was closed by the bank itself following regulatory actions by the U.S. Federal Government. Despite this, XXXX XXXX  has falsely reported to credit bureaus that I defaulted on the account. 

Inaccurate Credit Reporting : XXXX XXXX  has reported a default on this disputed account to credit bureaus XXXX months after they were shut down by the U.S. Federal Government. This erroneous reporting is damaging my credit score unjustly. 

Inadequate Customer Service : Efforts to contact XXXX XXXX  for clarification and resolution have been futile. The contact number provided connects to an individual with limited XXXX proficiency, offering no assistance or access to relevant information. 

Questionable Business Practices : XXXX XXXX  operated as an app-based banking service, akin to XXXX and XXXX XXXX, primarily used for social media transactions. The nature of their business and the subsequent federal closure raise serious concerns about their operational integrity. 

Request for Resolution : I seek immediate correction of the false credit reporting by XXXX XXXX. 
I demand a formal acknowledgment and evidence regarding the alleged transition from a secured to an unsecured credit card, which I dispute. 
I request a thorough investigation into the practices and customer communication protocols of XXXX XXXX. 
The impact of XXXX XXXX XXXX actions on my financial standing is significant and distressing. I am seeking the CFPB 's intervention to rectify these inaccuracies and hold XXXX XXXX  accountable for their misleading and damaging conduct. 

Thank you for your attention to this matter. I am willing to provide any further information or documentation as required. 

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

I requested a Waiver of a DOD Federal Health Benefit Overpayment Agency Error. My FERS annuity is being Offset via the Treasury Offset Program. The problem I am having is that this debt should not be reported to a Collection Agency because my FERS annuity is being offset via the Treasury Offset Program. I contacted XXXX XXXX XXXX XXXX XXXX & made them aware of this situation to no avail. Please rectify this for me. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still continues to have the XXXX XXXX XXXX on my credit report. I have advised them that this is the same debt and loan that XXXX XXXX XXXX XXXX sells and resells over and over to create a negative report even when the original loan was back in XX/XX/XXXX -XX/XX/XXXX.This is against the law. 
Numerous complaints have been filed with CFPB : XX/XX/XXXX- XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX Equifax still has not removed XXXX XXXX XXXX from my credit report. This negative report continues to ruin my chances to refinance my home.
Product: Mortgage

We have repeatedly received letters in the mail from Forthright Funding, trying to get us to re-finance our VA home loan. We know it is most likely a scam, and too good to be true, plus our current rate is already lower than what they are offering anyways. I have requested multiple times to be removed from mailing lists and they just hang up the phone on me. I have also filed a complaint with the BBB and they still send us mail. 

Reference Number : XXXX This needs to stop, and veterans need to stop being targeted. It 's disgusting and embarrassing. 

Integrity, respect, service are their motto, but they are trying to rob veterans.
Product: Credit card or prepaid card

Hello. I have had a recurring problem with an XXXX store credit card issued through Comenity Bank. 

After one payment of {$35.00} I authorized, Comenity then issued a duplicated charge of {$35.00} that I had not authorized. As usual, I have complained to the said company and to my Credit Union. 

As this has occurred at least three times with this credit card, what are my options? Is there a way to contest the bill entirely as their faulty charges have increased my bill to the point of me not being able to pay it off even after the course of a year although the bill is under {$700.00}? 

I do not think the company is fair of abiding by the law. 

Sincerely : XXXX XXXX
Product: Money transfer, virtual currency, or money service

Despite using Zelle multiple times and reporting my problems .Zelle failed to investigate my issues
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old,
other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

I would like to know if I am on the pay out list for the law suit against Wells Fargo as we had a mortgage with them
Product: Mortgage

In XX/XX/2021 we filed an refinancing application with Citizens Bank that was approved. We were told that the loan would close in three months but as of now we have not completed the process. Thy have miscalculated the numbers of in the closing disclosures several times, this includes the payments, the interest and closing costs. They have also told us other requirements that was not true and they've withdrawn. I need someone to please take a look at the documents they have sent us and let us know if they are adhering to consumer and banking laws.
Product: Credit card or prepaid card

I have attempted to work with Bank of America on numerous issues and so far, Ive been coldly told, I do not garner their respect, by numerous representatives. Ive asked for at least 3 late fees to be removed, 2 of which took place the " EVENING '' the payment was due, and I was told, that based on my relationship with this company, I would not be able to request or get anything. I have also asked for a couple interest charges to be returned to my, as transfer interest, purchase interest and such, has increased once this company closed my account for no reason at all. I believe, that I have been charged at least {$1100.00} in interest higher than I signed up for and have been charged with over $ 230- {$300.00} in late fees, during times I have had complaints against BOA with the CFPB. In addition, I believe Bank of America has treated me unfairly because I have complained about them assessing a late mark on all my credit reports back in XXXX 2016, when I was TOLD by their own rep, what to pay and what I could do to avoid being late. This issue has still been unresolved, no matter what BOA claims.
Product: Checking or savings account

I came to the Bank of America ATM and tried depositing {$370.00} and it accepted {$170.00} and gave me back some money so I reentered the rest of my money and the screen said it could not process my request and to enter the additional money I put it and I typed the extra {$200.00} that I deposited and the screen said transaction canceled so it did not give me any money back nor did it complete my cash deposit to my checking account.
Product: Credit card or prepaid card

Barclays opened a credit card with a {$25000.00} limit without my permission. After being contacted multiple times in multiple ways and instructed to close the account I have finally received a letter stating that the account is indeed closed. However, it still shows up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX account number XXXX has violated my rights. 
15u.s.c1681section 602A. States I have the right to privacy 15 u.s.c 1681 604A section 2 : states a consumer agency can not furnish a account without my written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, I have sent several certified dispute letters to the Equifax consumer reporting agency in regard to several ; accounts reporting on my credit file that was opened due to identity theft. Equifax has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act. In addition, Equifax has failed to place a block as per the FCRA Section 605b in regard to the fraudulent items that are in question. OnXX/XX/XXXX at XXXX XXXX  tracking ( XXXX ) was one of several letters received from Equifax on my behalf. It has been 6 months and Equifax still has yet to provide any supporting correspondence or documentation in regard to any of the dispute letters they received on my behalf.
Product: Credit card or prepaid card

I sent 3 letters dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting removal of inquiries from my credit reports that I did not make. I have previously disputed with Capital One and the CFPB and the inquiries remain without any proof that these were legitimately made by me. The inquiries were dated XX/XX/XXXX and XX/XX/XXXX. 

Please remove these as these requests for credit were not done by me, if you feel otherwise, provide a copy of the application that includes my signature.
Product: Debt collection

I have had multiple attempts with retrieving confirmation of my supposed debt with this company. I have requested, by mail, and received no response in regards to the company providing accurate of a signed agreement from myself and said company. I called after 30 days and they still have yet to resolve this issue or confirm any documentation. I provided them with more than enough time to complete my requests and even provided fraud paperwork regarding the account with this company as they are in violation of the laws that are in place for consumers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unlawful for any consumer reporting agency to furnish inquiries that the consumer did not initiate according to the Fair Credit Reporting Act. For the record, I did not initiate the following inquiries : - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX
Product: Consumer Loan

I bought a XX/XX/XXXX Volkswagen Passat it was financing at credit acceptance the price was {$10000.00} it gave so much problems I believed XX/XX/XXXX I called them to repo the car and they sold the car and they want to pay the rest for {$6000.00} it 's really hurt my credit I ca n't even buy another car
Product: Credit card or prepaid card

PLEASE NOTE : I am a consumer making this statement on my behalf and I am not using any third-party agencies to assist with this matter. I am asserting my rights in accordance to 16 C.F.R. 433.1-2.

I, the consumer is in receipt of documentary evidence that on multiple occurrences the company in question has violated my right to privacy and has stolen my personal and private valued consumer data. 

In accordance to 16 C.F.R. 603.2 ( a-b ( 1 ) ) Identity Thief is ( a ) The term identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
( b ) The term identifying information means any name or number that may be used, alone or in conjunction with any other information, to identify a specific person, including any ( 1 ) Name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; PLEASE SEE ATTACHED EXHIBITS A : 1/5 & B The unauthorized use of my personal and private valued consumer data has been used by the company, through the use of the postal service to communicate unsolicited credit card offers violating 15 U.S. Code 78j Manipulative and Deceptive Devices, 15 U. S. Code 1692e False and Misleading Representations, 18 U.S. Code 1341 Frauds and swindles, 18 U. S. Code 1028 Fraud and Related Activity in Connection with Identification Documents. 
PLEASE SEE ATTACHED EXHIBIT A : 2-3/5 The company in question has sent unsolicited deceptive instruments that lack full disclosure and are in violation of 42 CFR 1001.1101 and fails to disclose the calculation of the finance charges and/or annual percentage rates in accordance to 15 U.S. Code 1605 PLEASE SEE ATTACHED EXHIBT A : 4-5/5 I, the consumer did not authorize or consent to my personal and private valued consumer data to be used by the company in question for solicitation or advertisement purposes. I have not given the company in question any written or verbal consents to be contacted. The company in question is in violation of 18 U.S. Code 1028A Aggravated identity theft and 15 U. S. Code 1611 ( 1 ) - Criminal liability for willful and knowing violation by furnishing multiple unsolicited documents. 
PLEASE SEE ATTACHED EXHIBTS A & B NOTICE : PLEASE CONSTITUE THIS COMPLAINT AS A NOTICE OF INTENT TO SUE WITHOUT RECOURSE U.C.C. 1-308/1-207
Product: Credit reporting or other personal consumer reports

We went to the office to terminate the contract and they were aware of us leaving. We were on a month to month XXXX so we were able to terminate if we gave notice. They sent us to collections for over {$15000.00} even though we finished our lease and gave notice. 

I have tried calling them multiple times and left voicemails asking for the lease agreement and confirmation of us terminating our agreement, and we have never received a callback. 

I have copies of all our payment receipts that were always on time and can provide those if needed. 

This is causing us financial distress and we will pursue them legally due to this preventing us from renting or buying a house.