23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for Charge Off and collections. I have tried numerous times to have this situation resolved with no resolutions.XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the XXXX  as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974. See attachment for further details on the creditor and account details.
Product: Debt collection

I hire a company out of XXXX Ca. There are some credit cards from capital one credit and another company saying these are my credit cards with XXXX dollar limits these are not mine, I did everything to provide information to these companies, they continue to use 3rd party agencies to attack me, this has been going on for 2 years or better
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
e
Product: Checking or savings account

On XX/XX/XXXX, a transaction was made on my checking account for {$190.00} at XXXX pm in XXXX, CA. When the alert came, I immediately called the bank to dispute the charge. The " XXXX '' claimed it was consistent with my other transactions & would not return the money to my account. It is not consistent, I have never been to XXXX  and not XXXX transaction on my account has ever been made in XXXX. I provided proof I was XXXX hours away, working, and I filed a police report. It is not XX/XX/XXXX, and Citibank will not return my money. They've given me nothing but the runaround.
Product: Debt collection

We do not have contract with this debt collection company and never received a purchase agreement, the chain of title proving they own the debt nor a forward flow agreement. We requested the forward flow agreement because now another company is trying to collect on the same debt who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I'm reporting on the issue of online saving acct. and CD acct. by my Goldmans Sacks Bank USA, online website marcus.com. I have my saving acct. by GS bank for many years and have sufficient funds in my accts. 
I called their customer support over the weekend of XX/XX/23 for transfer to a valid external acct. verified and listed by GS bank. Their customer representative verified my acct. and placed my transfers as requested. These valid transfers were shown in their system. However, next Monday on XX/XX/23, they reversed my transfers. Once knowing this, I called them back. However, they refuse my valid transfer. I called back several times. They now lock my acct. to transfer to all other external bank accts. and don't even let me the internal transfer to another GS bank acct. I called back yesterday again, they refuse to unlock my acct. for valid transfers. 


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

I am a victim of identity theft. My father used my identity to open an account with this bank in others. I discovered this account recently and have been trying to contact them to have this removed from my account. I have hired a lawyer and pressed charges. I am including my police report below and my FTC affidavit. Please remove these two accounts ( XXXX & XXXX ) as soon as possible because it is affecting my credit and it isn't mine. It is almost impossible to get ahold of someone at XXXX XXXX Proof of id is attached.
Product: Mortgage

I was impacted by hurricane Irma and then Michael and Wells Fargo put me on a disaster forbearance to offer relief. I was promised a disaster loan modification when it was over but they did not do it and forced me to apply for a normal loan modification to save my home. I have income consisting of VA XXXX from military service and this income has always been used in the past for any review. Wells Fargo denied my loan modification because they would NOT recognize my income of VA XXXX. I feel this is a violation of the Fair Housing Act and is wrong. I escalated it at Wells fargo and they sent me to the customer care and recovery group ( office of the president ) which I have found NOT helpful to homeowners in the past as they just rubber stamp any decision without objectively trying to help the homeowner retain his home. I did not request their office but only a normal supervisor but again my request was denied and they sent me to this group which is like going to court in XXXX XXXX ( no fair hearing )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Mortgage

On XX/XX/2023 as youll see in XXXX of the attachments Wells Fargo was sent all of the required information and was also advised that my late mother XXXX XXXX to whom was also on the mortgage is now XXXX. And that were currently in the court proceedings and once I gets the money myself and Wells Fargo can finally move fwd however as you can see in their own response they can careless. And I gets a letter from them which is also attached in reference to my new Mortgage Payment amount thats due on XX/XX/2023. But yet they has my home scheduled for XXXX on XX/XX/2023. To which is a total contradiction on their behalf
Product: Mortgage

I have been paying ahead on my loan sending in additional money writing on the money order and sending a letter with each additional payment that these were principle only additional payments. I called on XX/XX/18 for a pay off and to inform them that they other money I sent in was for principle only. They informed me it would take 3-4 days to fix the payments and then another 3-4 days to give me a pay off. I informed them that this was unacceptable. I would be paying interest for almost 2 more weeks because they can not figure a pay off. I want a pay off so the interest is stopped. Please help! The so called expert that has been helping me can be reached at XXXX push 1 ext XXXX.
Product: Checking or savings account

Truist Bank cleared check XXXX for {$2400.00} on XX/XX/XXXX. Truist Bank cleared check XXXX on XX/XX/XXXX for {$21000.00}. Truist Bank cleared check XXXX on XX/XX/XXXX for {$21000.00}. Check XXXX was the last legitimate check cleared on the XXXX statement on XX/XX/XXXX. Truist will not discuss the operations of their system in allowing duplicate check numbers to clear the account. Truist will not discuss the operations in allowing a check completely out of sequence clearing the account either. I have been told this is a Fraud department issue when it should be an operations issue. These checks should have triggered some sort of flag in the system operations. Truist was notified on XX/XX/XXXX of these issues and are relying on fraud rules to dictate an operations failure.
Product: Vehicle loan or lease

I am writing to express my deep concern and dissatisfaction regarding the exorbitant interest rate of 24 % that was applied to my recent car loan with your institution. This rate significantly exceeds industry standards and is unjustifiably high, placing an undue financial burden on me as a borrower. 

When I initially applied for the car loan, I was not made aware of the excessively high interest rate that would be imposed. The lack of transparency in disclosing this crucial information is unacceptable and has resulted in severe financial strain. 

I urge you to review the terms of my loan agreement and reconsider the interest rate applied. A rate of 24 % is unjustifiable and goes against fair lending practices. I request that the interest rate be adjusted to a more reasonable and competitive rate that aligns with prevailing market standards. 

I trust that you will address this matter promptly and provide a satisfactory resolution. Your cooperation in rectifying this issue will be greatly appreciated. 

Thank you for your attention to this urgent matter.
Product: Mortgage

My current mortgage is Nationstar. I fell behind on my payments and started bankruptcy in XXXX after reduction in hours at work. In XXXX XXXX I defaulted again w Nationstar and my bankruptcy case was dismissed. Since this in XXXX XXXX when it was dismissed I have tried to do loan modification. After filing all the forms they requested they kept making excuses that my paystubs could n't be read. To resubmit this and call back next week. End of XXXX XXXX I still had not gotten anywhere because they were still not happy with my paystubs and trying to read them even after explaining paystubs work days and check amt. I hired a company to modify loan for me. Again they made me resubmit all the packet since they no longer had my paper work. Again complete paperwork requested was submitted last Fri they are requesting wages for a week in XXXX I did n't work. They also requested I resubmit their tax document form XXXX XXXX current date and not the date of when I first filed in XXXX XXXX. In the meantime they somehow put a for sale date on my home for next week XXXX XXXX and failed to inform me. I have to resort to spending another XXXX to file bankruptcy again. The balance on my loan? {$14000.00} The company I hired has worked w them in the past and the person helping me directly says they are clearly trying to keep the home that he has never encountered such trickery.
Product: Mortgage

My previous mortgage company, XXXX, made an error in the public recording of a reconveyance done on XX/XX/XXXX ( see attachment dated XXXX ). Instead of reconveying my XXXX deed of trust ( attachment dated XXXX ), my XXXX deed of trust ( attachment dated XXXX ) was reconveyed. At that time, I was refinancing my XXXX deed of trust with the XXXX deed of trust. For both mortgages, the lender was XXXX, which has gone out of business. 

The XXXX deed of trust is currently held by Shellpoint/Newrez LLC . I contacted them XX/XX/XXXX alerting them to the error and the fact that they might be holding a mortgage that was recorded as paid off 5 years ago. Newrez responded by sending me on a wild goose chase to an XXXX trust company with vague contact details. I researched that trust company and contacted the appropriate group. They have informed me last week that Newrez/Shellpoint as the servicer of the trust has the authority to make the required correction and that they can not help me.

In the meanwhile, this has held up my refinancing application with a potential new lender for the last two months as they want the public record to be corrected. This is causing me considerable financial stress. I have not gotten any response from Newrez despite my many emails and phone calls to them throughout the process. I'm afraid they will do nothing or worse, send me on another wild goose chase.
Product: Checking or savings account

I received a call allegedly from the XXXX XXXX Department alerting me to some type of fraud. They sent me a code via text to verify my identity. They requested that I read them the code they sent. The person said they would take care of everything and contact me again the following week. I hung up and called my son because I was concerned about the call. My son immediately recognized this as a common scam and checked my Citi account online. We saw XXXX fraudulent charges for a total of {$500.00} which were pending. We immediately contacted Citibank and explained the situation and filed a fraud charge. We also attempted to file a claim with XXXX but they said I must deal with my bank. Citibank issued provisional credits and all was well until I received this letter. 

Again, I did not authorize these charges to XXXX. I did not use my phone or any other device to make these charges and I had my ATM card in my possession at all times. I notified Citibank immediately and before those funds were actually transferred out to the scammers. What else could I have possibly done? 

I am XXXX XXXX XXXX and I live on my XXXX XXXX which Citibank was made aware of. Although I filed an appeal the day I received their notice of denial, they took my money anyway. I need assistance with this.
Product: Money transfers

I submitted {$380.00} to an XXXX XXXX who claimed he could help recover monies paid but not remitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to report the inaccurate credit reporting by JPMCB. The JPMCB XXXX should be immediately deleted from my credit report due to incorrect information. This account says that it was purchased by another lender so why is it reporting as a charge off account with late payments? This is a violation of the FCRA. Also, the company that purchased the account is already reporting on my credit report. Each of the credit reporting agencies are reporting different information. How can this be possible when all data furnished should be the same? XXXX is reporting that I was 35 times, XXXX is reporting that I was late 6 times..how is this possible? XXXX is reporting that the account is closed with no payment history whatsoever. There are so many inaccuracies within this account, and I demand that it is removed immediately. I was also not mailed a XXXX for the write off of this account. There are so many violations that I can take legal action. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am requesting for the deletion of this account for inaccurate reporting. I will attach the letter that was sent to the credit bureaus and my credit report showing the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that the account that I have disputed has incorrect information. It shows that the last time that XXXX XXXX XXXX updated and verified this account was XX/XX/XXXX and XX/XX/XXXX. This is an indiscrepancy regarding these different reporting dates across all three credit bureaus. Also how can this be validated as correct when no one has looked at in 5 years. So I started to do a little investigating on my rights as a consumer and I discovered that the statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. I demand that this account belonging to XXXX XXXX XXXX ( Account # XXXX ) be deleted for inaccurate reporting and misrepresentation of validating a debt from the XXXX XXXX XXXX and Transunion XXXX
Product: Student loan

I graduated in 2006. I had XXXX XXXX in loans when I graduated. in XXXX 2006 a month after my repayments started, XXXX XXXX charged me {$710.00} in Capitalized interest along with a repayment fee of {$320.00} for EACH loan. This totaled {$7300.00} in FEES! I noticed there was an issue when XXXX XXXX told me I was not paying my minimum monthly payment. Due to these fees- and not notifying me of them- my minimum monthly payment had increased and I was unaware. It was a hit on mine and my fathers credit report. I told my Dad who was a cosigner to my loans. He logged into his account and saw no changes to my account. For years this was an ongoing battle with my Dad over how much I actually owed. Early this year I called navient and they told me my original Loan amount was upwards of $ 80k. My Dad dug into his files and found payments and details of loan applications and statements. XXXX XXXX Navient charged me a fee to repay their loans. {$7300.00} to be exact. This is not including the interest I have had to pay on the fees! I have been paying my loans for 11 years and I still have {$41000.00} left when I started at XXXX XXXX. This is discouraging and misleading way for a company to handle student loans.
Product: Credit card or prepaid card

I Disputed a Scam charge with Bank of America credit card, they send me a letter stating to send more information, the letter was dated XX/XX/XXXX to reply until XX/XX/XXXX in which the letter was delivered to my address, two days after the reply date. I called Bank of America right away and explained all the situation and they put the balance back in my account the agent told me that it was normal and I do not need to pay until the case was concluded, I asked for an extension, more extra time and all the agents that I spoke told me that I have 10 more days in which I sent all the information requested on XX/XX/XXXX USPS tracking number XXXX Delivered, Individual Picked Up at Postal Facility XX/XX/XXXX at XXXX am, XXXX XXXX, TX XXXX. I called many times and asked about the case because the amount of 1050.00 still due in my account. I received a Letter dated on XX/XX/XXXX in which was received XX/XX/XXXX, stating that it was outside the timeframe, all customer service agents were transfer to each others, stating that I have to call a different departments, providing wrong information and inexistent phone numbers. I asked the last agent to speak with the supervisor with no avail.
Product: Checking or savings account

On XX/XX/XXXX I deposited my paycheck via mobile app to UMB Bank. An hour later a account representative contacted and asked if the deposit was made by me and I told her yes. She asked what the check was for I told her it was my paycheck. She then said ok and said that was all she needed to verify it was not a fraudulent transaction. A couple hours later I received another call from her again she stated they would have to hold the check for 7 business days due to account activity. I asked her what that meant she said she was not told why. I pleaded with her that this was my paycheck and I need to pay my bills with it and feed my children and that if they couldn't release my funds that I would to just go to my other bank and deposit the check she said she would talk to her account manager and give me a call the next day. The next day came and I heard no response back so I contacted the bank and they said that they could not release the funds or the check due to it being with the Fed already. I asked to speak to the account manager because not only was my check being held from me but now my account was frozen due to the fraud department placing a hold on the account. The account manager was not very helpful or caring about my situation. I have had this account since XXXX and I don't understand why they have to hold my paycheck. I am very upset about this, the account manager said the funds will not be released until midnight of the XX/XX/XXXX, that means they sent the check to the FED on XX/XX/XXXX after I had voiced my concern about it, so who is being fraudulent now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Under XXXX XXXX of XXXX XXXX. I need to have accurate information on each and every line same on XXXX credit report agencies. 

To make your job easier. I have attached everything that is incorrect. This all information to deleted in 15 days. on 31 day, I will XXXX all credit report agencies. Delete and send me copy of report to house address.
Product: Checking or savings account

I noticed XXXX unauthorized charges from a merchant were made to my checking account that total {$27000.00}. I reported the issue to my bank. The following day my bank refunded XXXX of the charges and stated that indeed the charges were not authorized. However they are refusing to refund the other charges. My bank has refunded only {$1000.00}.
Product: Student loan

I USED FORBEARANCE AND DEFERMENT WITH LOANS FROM XXXX AND NAVIENT. I WAS OUT OF STATE WORKING AND STATEMENTS WERE GOING TO MY PERMANENT ADDRESS. THEY DID NOT USE THOSE TOOLS AND MARKED ME SERIOUSLY DELINQUENT. UPON LEARNING THIS I CONSOLIDATED AND PAID ALL EXISTING LOANS IN FULL. SOME OF THESE LOANS ARE OVER 10 YEARS OLD AND THEY REFUSE TO STOP THE NEGATIVE REPORTING, EVEN THOUGH THEY ARE PAID IN FULL AND I  HAVE NOT BEEN LATE WITH THE DEPT OF EDUCATION IN YEARS. I HAVE DISPUTED WITH CREDIT BUREAUS MULTIPLE TIMES WITH NO SUCCESS.
Product: Credit reporting or other personal consumer reports

So there is a loan company that I got a loan through going on 8 years know and I have contacted them over and over again about why it's still showing on my report they are refusing to remove the account I try to dispute and the dispute says its accurate but there are still refusing to remove it from my account and ik under the credit fair act after 7 years the account is post to be removed from my credit history and they are refusing to do it