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

My credit report was pulled multiple times by my previous loan officer- XXXX  XXXX without my consent. I initially gave consent the first time she pulled my report. After that, she continuously pulled my report without notifying me or asking if she could. When I discovered she had done this around XXXX times, I confronted her. She said she would ask for the credit pulls to be revoked. That was in XX/XX/2020. It has been 4 months and none of the credit pulls that followed the first pull have been removed from my report. This is a gross misuse of my personal information and credit report! I should not have to be worried about my own lender sabotaging my credit. 
Furthermore, I would like to report immoral business practices. I was originally contacted by XXXX, she said she was with my companys retention department and that I qualified for a lower interest rate. She did not disclose that I would have to PAY to qualify for a lower rate! Instead she waited until it was time to sign papers and I saw an exorbitant amount of fees being charged for points. When I approached her about this, she verbally abused and manipulated me saying how hard she had worked on my loan and that she isnt an hourly employee, etc etc. not only did she wait until this time to disclose this, it is my opinion that she also had me pay for my appraisal out of pocket in order to make me feel financially obligated to carry through this refi, as I was never given paperwork before the appraisal to go over the fees and costs to get the loan. 
Overall I was partially scammed XXXX {$750.00} for the appraisal ) and my credit report was also misused. 
Now, I have my loan in deferment and can not access my account. Their mobile app has not worked in weeks and their website just had me set up a secondary authentication with my phone number. When trying to log in after this, I would initiate the authentication text but it never comes to my phone! I am now locked out of my account. 
I was given paperwork with an email for the deferment department. I have tried to email it several times and it comes back that the server rejected the email or that the address can not be found! 
It does not seem like this company cares about its people and it does not seem like they are set up to actually help customers while in deferment!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. 

Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Has Violated My Rights 15 U.S.C 1681 Section 602 A. States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial took over {$3400.00} out of my account without authorization for a turned in lease over a period of months. We assumed the payment coming out was for our active lease. It appears the new lease ended up 60 days behind because of the payment being removed and applied to a closed lease. We were refinancing our home when this hit and it has cost my family thousands. All I asked was my credit report to be updated. In over a decade Ive never missed a payment and GM Financial had over applied {$3400.00} on a closed account and only returned when we argued money had been taken. We had no access to the see the lease account w/ {$0.00} they posted payments to instead of new lease. They had {$3400.00} of stolen dollars if not misapplied as I signed a document all scheduled or auto draft payments for that lease would be cancelled. Ive never been late with them nor have any other late payments on my credit report, they XXXX my family as we had an opportunity to lower our house payment by {$1000.00} a month and GM Financial is unrelenting. I would like my credit report fixed and if not GM Financial I want GM Financial treated the same as any other company that steals consumers money.
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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

There were several accounts that are now closed that were open with my knowledge or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute in regards to items that are incorrect on my credit report. It has been more than 30 days & I still have not received my results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my XXXX XXXX XXXXXXXX XXXX XXXX and Discover Credit Card, n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX  purpose.
Product: Mortgage

On XX/XX/year>, I sent a Notice of Error to Select Portfolio Servicing Inc ( " SPS '' ) regarding its failure to apply mortgage payment of {$7300.00} for mortgage due on XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, SPS received a payment of {$3000.00} and on XX/XX/year>, SPS received a payment of {$4300.00}, for a total mortgage payment of {$7300.00}. The monthly mortgage payment on the account due each month is {$7200.00}. The account is not escrowed. Therefore, the amount of of {$2000.00} is not escrowed and SPS does not have the right to collect it each month. Any purported shorted amount of {$2000.00} is discretionary pursuant to applicable law attached hereto as there is no " escrow '' account in effect. As such, SPS does not have the legal right to delay the application of the payment for mortgage due for XX/XX/year> which is {$7200.00}. The remaining amount of {$1.00} ( balance after mortgage is deducted from the {$7200.00} payment ) is discretionary, and to be applied to shortage resulting from advance made by SPS, accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated as soon as possible for they are harming my credit. 
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 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 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: Checking or savings account

I've been noticing that my bank Wells Fargo changes transactions dates and hold payments in order to charge overdraft fees. This is a pattern that is costing me hundreds of dollars monthly. I do not recall giving them permission to provide me with overdraft protection and when I try to revoke any permission in my online banking account site it only allows me to give them permission to provide me with overdraft protection. This is not the first time that I encounter this situation with this bank.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I understand that this is a serious matter, and I urge you to act promptly to rectify this situation. Failure to cooperate in resolving this matter may result in further legal action to protect my rights and creditworthiness. 


XXXX XXXX XXXX
Product: Credit reporting

On XX/XX/XXXX I made a call to the department disputes Trasunion, reported me with a supervisor, because customer service, had no access to the document which had sent them XX/XX/XXXX as evidence a dispute against XXXX XXXX XXXX XXXX, the supervisor tells me that actually signed by XXXX XXXX department ( Complience Division ) XXXX clearly said they had targeted after an internal investigation, remove the account from my credit report, but immediately said he could not it, just if you could send another letter the same, but with more recent date, which is totally absurd since the account is the same, I said that if XXXX sending this document, even by registered mail, was because he had granted special treatment to the case, even it insisted that it should be a recent document, is not possible that a letter which refers to one account it can not be removed, when the company which had to make the decision, he did, in the case of XXXX, this document has no expiration date or the aforementioned company I find out about that detail Trasunion is violating the law FCRA Fair Credit Reporting Act USC 1681 reporting information taking into account as evidence of this illegality this letter even signed and certified by the company in question, please must immediately remove this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to this XXXX XXXX / Trans Union XXXX XXXX asking to provide verification of this and they have failed to comply. I don't even have an account number in reference to this said account. 

In accordance to with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States that 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of late payments on my credit report. I have contacted the companies regarding this late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

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

So I purchased jewelry from from XXXX XXXX XXXX XXXX  XX/XX/2023 on a 12 monthly plan witch I was paying every month with no problem for XXXX XXXX then i started to get letters with extra fees witch went up to XXXXXXXX XXXX  for some odd reason When I had a year without fee then I was XXXX for about XXXX XXXX in half months and where I was I wasnt able to use my phone I had no internet or I wasnt able to make calls I was so sick that I only could use the phone but didnt because I was sick then as I get out the hospital I keep getting letters of them telling I need to pay it in full they never contacted me they had my email they called my brother witch I never gave them a his number they only had mine when I started working again I was able to start paying again but when once I was able to the sent me a letter in the mail stated that they sold my information to another company witch is illegal with out my consent so now In in the process of suing them because they violated my rights and they did everything without contacting me then I contacted them and they person I talk told me they can anything want any any giving time
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised and I am requesting to dispute the following inquires as I did not initiate and application or initiate the following Inquires on my credit report. 

XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Personal Loan Company Inquiry Date : XX/XX/XXXX I submitted a request to dispute the inquiry I was advised the Inquires would be removed however they have not been removed from my credit report. 

Please investigate and remove fraudulent inquires from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 



Based on, IS U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identiftes as information that resulted from an alleged identity then, not later than 4 business days after the date of reccipL It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, IS U.S Code 1681 b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consurer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This is my XXXX time writing this issue. I sent your company a claim last month XXXX XXXX,2024, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.
Product: Credit card or prepaid card

Citibank charged me an annual fee XX/XX/2018. I am calling today to cancel my card XX/XX/2018. They are informing me Citibanks new policy only allows pro rated refunds if canceled within 60 days?? This is preposterous. How can they do this?? First I don't recall ever seeing a change to my user agreement. But how is the CFPB allowing this? The fee is an annual fee - if i'm not receiving all the benefits of the card for the entire year then how can they be charging me an " annual fee ''?? 

I should be getting a pro-rata refund for the months that I am not a holder of the card. This sounds very deceptive and highly illegal. Please advise. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my last  4 s s # on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks
Product: Debt collection

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. 

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. 

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. 

All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my report.
Product: Debt collection

I keep receiving phone calls at work and have explained to them I can not receive these types of calls at work. I don't know why they are calling me, they wont tell me any information, or if they even have the right person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX XXXX which was opened in XXXX and closed in XX/XX/XXXX and 100 % paid off keeps reappearing on my credit report even though they take it off and then put it back on.
Product: Student loan

I have a student loan with Navient which took over XXXX XXXX. I have tried on many occasions to ask them to apply overage payments to the principal and they refuse saying they have to take it off of the next payment??? I do n't know if that is legal. If I pay the entire payment including what would go to interest, I thought I have the right to direct the surplus to paying off the principal. With XXXX XXXX we were able to check a button that said apply to next payment or apply to principal. I ca n't do that with Navient?? I have even written to them to apply it to the principal and that does n't work either. What are my rights?
Product: Money transfer, virtual currency, or money service

I used the MoneyGram app on XX/XX/2022 to send {$150.00} home delivery service to XXXX XXXX the XXXX XXXX. Transfer # XXXX I regularly send transfers in the same manner to the same person and occasionally to other relatives. This time however, the money was not delivered at all. The app however stated ( and it still does ) that the transfer was successfully received by the intended person, hence I didnt think anything was wrong. 
On XX/XX/2022 I spoke to the recipient, I casually asked her if she has d received the transfer, and she told me that she hadnt. I immediately contacted MoneyGraXXXX via the chat function on the App. I spent about XXXX minutes chatting back and forth with a customer service agent. She asked me to wait several times because she was investigating the transaction. By the way, I have screen shots of the entire exchange. 
In the end, the customer service rep.told me that she was going to open a case for me because there was an issue with the recipients financial institution and they couldnt pay the transfer. 
I asked what the problem was and was not given any specific reason. I asked her If there was an error of some type on the personal information i entered, and asked her to help me correct it if that was the case. I was told that they couldnt make corrections to transfers that were already sent. 
Then I asked her to cancel the transaction and refund the money to the account I sent it from so that I could do the transaction over. 
I was told that they couldnt do that either. 
That I had to wait 90 days for the case to be solved and I would hear back from them then. 
I said absolutely not! That I had no guarantees anyone would call me or reach out in 90 days. That the app says the transaction was paid so basically I just lost my {$150.00} plus the fee. 
I argued my case as much as I could and in the end all I got was a link to a complaint form. 
I reluctantly completed it and havent received any response. Not even received an automatic reply. 
This same thing happened to me last year with a different transfer to a different relative. At that time I believed that maybe the relative was lying to me but I realize now that MoneyGram was the one lying. The 90 days in that case came and went and I never received a call, an email, or a response or any kind. They simply stole the money. 
How many people does MoneyGram do this to?

Its outrageous to me that such a huge company can not issue a refund if there is some sort of issue with a transaction. How can they get away with simply keeping transfers from their customers? With not replying to complaints? I have been using their services for years. My records are there. I am hard working, law abiding citizen yet I have no voice. 
I hope you can do something in my case and in the case of other people like me who have no resources or tools to fight this type of abuse! 
Thanks in advance for your assistance.