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

I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I have done my research I know the credit bureas have 30 days to reply back and they haven't I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to that law I researched, I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. I am begging for help at the moment
Product: Debt collection

Contacted the company on XX/XX/XXXX on 2 different debts one for {$230.00} and one for {$88.00} after contacting them I asked them to verify the debt and the lady said I should have the information where I was treated. I said I need a detail bill of these charges and she said you should have that already. I said may I speak to your supervisor and she placed me on hold and never returned. I called again on XX/XX/XXXX and got the run a around again. So I mailed a letter requesting the same information and the letters were returned back to me. I do n't know what else to do.
Product: Credit reporting

Equifax - Please do not simply delete the Pay History as you know, the impact to scores and ones report is harmful immediately. 

XXXX XXXX 1. Is showing on my credit reported as Opened in XXXX and Closed in XXXX or XXXX, which should be 1 month reviewed. 
2. The account has 27 months reviewed, which is inaccurate and impossible 3. The account also has Pay History from XXXX to XXXX - with an actual PAYMENT in XXXX - which we know is impossible for an account that closed with a XXXX balance 6 years ago. 
4. This account is incomplete and inaccurate. 
5. Please validate the account attributes, and update the Tradeline - or delete the account.
Product: Checking or savings account

Good Afternoon, I am reaching out for assistance as I have been attempting to work with Chase Bank in regards to a checking account that has been opened fraudulently in my maiden name ( XXXX XXXX XXXX ) and SSN. I reported this claim immediately once I had discovered that the account was showing in my online accounts on XX/XX/2018. Unfortunately this has been mishandled from the very beginning and I have been able to get very little information from XXXX in regards to the Identity Theft that had occurred resulting in the fraudulently opened an account. I am hoping that you will be able to offer assistance as I have missed work in attempts to resolve this and there seems to be very little progress. I recently received a letter stating I have 30 days to complete this claim but fear that I will be able to resolve the situation within this time frame as XXXX has not been able to tell me if they received the documents that I have sent as well as provided me incorrect instructions when I initially reported the matter. Any assistance that you can provide is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

this debt was paid off in full on XX/XX/2017 please update the truth this doesn't reflect that I infact paid it off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with ocwen bank and in XX/XX/2017 I put in for a modification on my mortgage and it was granted in XX/XX/2017 and the company said I didn't have to make any payments until the modification process was completed. But they put on my credit report I was late XX/XX/XXXX and XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has fraudently, illegally and intentionally reported erroneous information to Experian. I contracted a lease agreement with XXXX XXXX in XX/XX/XXXX for amount of XXXX. The account number is XXXX When I disputed an error reported to Experian Credit bureau , XXXX XXXX maliciously changed the contracted lease amount from XXXX To XXXX. Also XXXX XXXX keeps changing the Late date referencing a 30 day late so it can continue to reflect on my credit report. Ive included a correspondence showing what XXXX reported to EXPERIAN in XXXX and now XXXX XXXX XXXX is reporting a different contracted lease amount as well as a new XXXX date referencing when the payment was 30 days late. Im requesting XXXX to report the lease amount of XXXX, XXXX that I contracted to and report truthfully that this 30 day late is more then 7 years old and needs to be deleted off my EXPERIAN CREDIT REPORT. Dont let XXXX XXXX get away with changing loan terms 7 years later. Dont let XXXX XXXX get away with erroneous reporting well beyond legal statue limitations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit report. I have been a victim of a data breach, and these accounts were fraudulently opened or reported without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these items be removed from my credit file. 
Accounts to Be Blocked and Deleted : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$10000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$9200.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00}
Product: Checking or savings account

I closed my account with Chime last week but my SSA check went to this account instead of my new account so I contacted Chime both via phone and email to get my account number and on the phone I was told that the customer service representative didn't have access to the information so I emailed them 4 days ago requesting my account number and all I received was a form letter about a tax refund. I am not required to file income taxes so I emailed them again and received the same form letter. I have to have my account and routing numbers so I can give them to Social Security to have my check switched to my new account. I can't pay my rent without this check and Chime is holding it up. Social Security will not change my banking information unless I have my old account number and I don't have access to my old account. Can I please get some help getting the information from Chime?
Product: Mortgage

On XXXX XXXX, 2015 Nation Star and XXXX XXXX Trustee are threatening to sell my homein XXXX XXXX Ca XXXX XXXX bought and owned by me for over 15 years ). 

This is very disturbing since this threat along with Nation Star and their Trustee are NOT following Federal and State Law, The California Home Owner Bill of rights and the settlement that was made by the California Attorney generaland Governor specifically : OFFICIAL NOTICE TO STOP ILLEGAL SALE by the trustee Offices of XXXX XXXX and NationStar1. Nationstar is breaking the law. 
2. Your office is a California Law Office and as such must advise your client and follow the California Laws. 
3. We have requested over 5 times to have a " single point of contact '' this has never happened and is still not happening!!! 
4. As you know under California law : " GUARANTEED SINGLE POINT OF CONTACT '' NATIONSTAR failed to do so. 
5. QWR and alleged Debt Validation : We have requested over 5 times. 
6. NATIONSTAR has failed to provide. 
7. Account Reconcilliation of the alleged debt : We have requested over 5 times. 
8. NATIONSTAR has failed to provide Reconcilliation accounting. 
9. Accounting and Re-instatement figures : we have requested over 5 times. 
10. NATIONSTAR has failed to provide Accounting Re-instatement. 
11. Loan Modification has been submitted as a consideration ( if Nationstar provided ample proof of the alleged loan ) 12. Severe violation of the " DUAL TRACKING '' law. 
13. Defective documentation and defects in alleged loan and alleged foreclosure. 
14. NATIONSTAR has failed to provide all requested items from the foreclosure procedure and guidelines as provided by the California Statutes and law. 
15. NATIONSTAR has failed to comply with the proper notification of at least 30 days " trustee sale '' by not mailing " certified '' nor " registered mail '' nor even " regular mail '' nor with an email nor with the " single point of contact '' as provided by California Law and Protection. 
Due to all of these reasons and more ( as we have other items that have been requested as part of the '' debt validation process '' ), it is hereby Demanded that the illegal " trustee sale '' come to a complete Hault and that at thevery least be placed on an immediate " HOLD '', " POSTPONEMENT '' while a FULL INVESTIGATION takes place. 

Thank you,
Product: Mortgage

We have our mortgage with Nationstar. Went to their website on XXXX/XXXX/16 to set up an online payment for XXXX/XXXX/16. Printed out a confirmation. On XXXX/XXXX/16, they took the payment out twice. Said they have requests for XXXX and XXXX for online payment. I never made an online payment on XXXX. This is the fourth time in 18 months they have taken double pmts out of our checking account. It has wiped out our account and we are incurring overdraft charges. When I asked to speak to a supervisor, they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX and Equifax. I submitted proof that XXXX Bank and XXXX Bank Cancelled by debt in full so that I no longer owe the banks any money. After submitting a 1099 c form from XXXX and XXXX Bank around XX/XX/2023 and XX/XX/2023 which a 1099 c from which is documentation from those banks that the debt is cancelled and is stated on the forms. XXXX and Equifax ignored this made the decision to not make the proper changes falsely claiming they contacted both institutions and the account information they already had was accurate. That is a lie, I just received the 1099 c forms in the mail in XXXX. They should have updated the balance of XXXX and XXXX to XXXX they still show I currently am in debt with these banks showing a balance instead of updating it. They are not ready or are illiterate or lying. 


XXXX and Equifax is making a claim that they contacted those banks and investigated about the 1099 C form and therefore not updating that it to XXXX balance owed. 

To prove they are lying and they did not consider the 1099 c forms and contact the banks in regard to the forms, you need to look at XXXX who updated my accounts they have with XXXX and XXXX. I gave XXXX the same data, the 1099 c forms from XXXX Bank and XXXX Bank. XXXX said their investigation concluded that I no longer have debts with XXXX Bank and XXXX XXXX and rightfully updated my balance to zero on both accounts with them. Their conclusion is in alliance with the 1099 c forms that their investigation is true and right. XXXX conclusion is the opposite of XXXX and XXXX and matches the documents. 

XXXX and Equifax is being deceitful and is not updating my account according to the 1099 c forms and claiming they contacting XXXX and XXXX. XXXX is the only credit reporting company who really investigated and made the changes on my account.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having the sufficient funds in my account when the transactions were authorized, I was charged late fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices- where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I have an XXXX XXXX card issued by XXXX, I had a credit Limit of XXXX In XX/XX/2020 I made 2 purchases totalling {$1800.00}, which pushed my balance up to {$5900.00}, I then received a letter they were lowering my Credit Limit to {$6100.00} ( decrease of {$3900.00} ) after contacting them they explained I was late on previous statements within the last 12 months, I understood. I have paid all my statements ON TIME since then and paid additional than minimum payment due each month. Today ( XX/XX/2020 ) I receive a letter they are raising my APR due to proportion of balance to credit limit is too high. Of course it is too high they lowered my Credit Limit 5 months ago. After contacting them they explained my credit score has dropped under XXXX. My complaint is, how do they get away during these unprecedented times ( COVID ) to take advantage of consumers who are not able to maintain there HIGH credit scores due to income and economy due to unforeseen impact?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing a possible credit report associated with a tax identification number of which I am the authorized representative I noticed a myriad of inquiries and one revolving credit account. This information is being shared by any or all of the three credit bureaus namely XXXX, XXXX  and TransUnion. TheFair Credit Reporting Actgives an authorized representative the right to dispute information they believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed. Theyre also obligated to provide a description of the dispute process if you request it in writing. I have seen that these agencies are reporting information without my authorization or my knowledge. This is complaint is a formal request toward the three credit reporting agencies to make available the document authorizing them to make this information public. In an age with identity theft, artificial intelligence, robocalling and robo-signing, how can we be certain that a man or woman is authorizing any action taken in this digital world. Please make available any and all documents with a wet ink signature demonstrating an authorized user has given consent to any and all information made available on the credit profile associated with the corresponding tax identification number. If any and/or all of the reporting agencies can not provide this then I demand the information be removed as I am the the authorized representative of the corresponding tax identification number and my wet ink signature is provided along with this complaint. Furthermore, if the document being provided by me, the authorized user, is the evidence being used to support the veracity of the information that does not serve as valid proof as the information was reported before my complaint was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX  and XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I reported to chime that my phone was stolen and my account compromised I could not get into my mobile app at time of first dispute well finally the XXXX I could access account or so I thought chime put hold on account for suspicious log in activity finally XX/XX/21 I regained access upon checking my account {$400.00} in unauthorized transactions were made I immediately contacted chime and dispute it not even a full 24 hours later my dispute denied I have a temp to reopen dispute with no luck I missed 2 day of work while account was on hold and I was robbed and chime dont care
Product: Mortgage

The new servicing company is charging me " pay by phone fees '' when I have never paid by phone. I have contacted them, they didn't respond to me. They responded to you in my last complaint with you XXXX by lying and telling you that I paid by phone, when I haven't. I need someone to help me with this company and getting my unsubstantiated fees, back. I was transferred to the Massachusetts XXXX XXXX by one of your representatives, but they transferred me a couple times to no avail. How does a servicing company get away with this?
Product: Credit reporting or other personal consumer reports

I contacted Pentagon Bankcard on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy

of Consumer Financial Information . I have not gotten a response from this company and they continue to report my
personal information to third parties.
Product: Checking or savings account

I am XXXX XXXX XXXX. Have health issues. Provided my son a list of creditors, banks, a brokerage house. When I die, he 'll be able to communicate ; close accounts. Receive in return, outstanding investments. <P/>I created this policy at least a year ago. From time to time, contact creditors and such, to verify that the information I provided my son is accurate. <P/>XXXX XXXX XXXX, I entered Fifth Third Bank, XXXX XXXX XXXX, XXXX, FL XXXX. Ph. # XXXX XXXX. Communicated with XXXX XXXX, Personal Banker II. <P/>Ask that he update procedures ; what my son most provide / accomplish, to close my checking account when I die. <P/>Was informed, ''-Send a copy of the death certificate. '' I was astounded. Asked if it need be a copy or an original death certificate. '' The response, ''-A copy is fine. '' XXXX XXXX indicated that my son is the designated beneficiary.. Mentioned, ''-we do n't have his social security number. We 'll need that. '' Was told to come back after lunch as XXXX XXXX 's lunch hour approached .... some 30 to 40 minutes later. ( For the record, I am a seven minute ride, give or take from this office. ) Upon arriving home I reviewed my documents ; Fifth Third Bank ; Policies/Procedures. Discovered when I opened the account I was instructed, when my son contacts the bank to close the account, he must provide an Original Death Certificate, a copy of his drivers license and a notarized letter indicating he is the beneficiary. What he wants the bank to do to fulfill his requests. <P/>Upon returning to the desk of XXXX XXXX, I mentioned my discovery, as mentioned above. He replied, ''-well, yeah. That would be useful as well. '' When I asked why the person who opened the account did n't request my son 's social security number, he simply could not explain why. <P/>Upon leaving this bank, I went to a XXXX location. Shared with a representative what I mentioned to you. <P/>The Representative stated, ''-there is no reason why you would have to surrender your son 's social security number to him. '' Woa! <P/>I realized that my notes ; Policies and Procedures, concerning clearing the account, that XXXX XXXX did NOT indicate that my son must present his Soc. Secur. Card. <P/>THERE IS LEGITIMATE REASON WHY XXXX XXXX DEMANDED THE SOCIAL SECURITY NUMBER OF MY SON! <P/>I phoned Fifth Third Bank-HQ this morning. No one provided Policy & Procedures. Demanded that my son 's Soc. Secur. number be purged from 5th 3rd. computer. Was told I 'd be contacted within 24-48 hours. <P/>I stated that I receive a letter indicating my son 's Soc. Secur. number was purged. <P/>I AM horrified. Dejected. Believe I put my son 's security / life and his family 's in HARMS WAY! <P/>Help me! I believe I have been intentionally deceived. Do what must be accomplished. <P/>Thank you. <P/>XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX Ph # XXXX XXXX Screen name ; XXXX
Product: Credit card or prepaid card

Best Buy Citi card, unwanted fee XXXX XXXX XXXX They signed me without explain, over 10 years. Tried call them cancel it but not guarantee for refund. 
They charged {$17.00} for over 10 years more than {$2100.00}. 
I did not notice until now buy called them to cancel it but still charging.
Product: Checking or savings account

I am not including my full personal information, just last XXXX digits. I have a savings account with XXXX by Goldman Sachs, account number ending in XXXX, my SSN ends with XXXX, XXXX XX/XX/XXXX. 

I made a transfer of XXXX to my wife 's account in XXXXXXXX XXXX on XX/XX/XXXX. ( XXXX statement for XXXX is attached ). The amount appeared in her account under XXXX XXXX, but did not show under active balance - because she was informed that XXXX had put a hold on it. Further, my XXXX account access was suspended and was activated after I called XXXX called back as per their process to do a proper identification. 

Since then I have been trying to resolve the hold on the {$XXXX}. I called their customer service on XX/XX/XXXX and was told that the {$XXXX} would be credited back to my account in XXXX days. This is the XXXX time they have promised to credit my account with {$XXXX}. My wife has also checked with her XXXX bank, and told that XXXX would have to release the funds by removing the hold. 

My request is for XXXX to credit the {$XXXX} with interest back to my account. I have already identified myself every time I have called and they call back ( 3 times so far ). If further identification is required, please let me know. Thank you.
Product: Debt collection

EOS CCA just filed a new collection agency report with a false date in order to renew false charges from over a decade ago. {$66.00} in charges have always been invalid and have been disputed for over a decade. The old report expired years ago, and the new collection agency is renewing the effort using a false date so that the credit reporting bureaus would accept them. I assume this is a practice they are doing wil a lot of filings.
Product: Debt collection

I was called by a bill collector saying that I owed over XXXX XXXX dollars. For 2 cellular phones purchased in 2019. At first I thought it was a joke. Especially as to the rough and rude way I was spoken to. So I called my cell phone carrier to inquire. They assured me that I was in good standing and owed nothing. Now a month later another call so I asked to speak to fraud. They gave me the runaround and invalid account number to give to the fraud department. I dont know what to do. I honestly need you assistance. All of my cell phones I have gotten from my carrier which have been paid off