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

An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand XXXX Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.
Product: Mortgage

Working with rocket Mortgage for a FHA loan. We have been trying to buy a new home for a while now and we believed that rocket mortgage was able to facilitate on the matter. We had submitted everything that was requested since the beginning of the application process and was eventually awarded a verified approval letter, which according to Rocket Mortgage is " as good has having cash on hand. '' The first verified approval letter had an expiration of XX/XX/2022. An extension was requested before that date to be able to go through changes at work now with this new mandate. Rocket mortgage representative said they will work on that request. Having trusted their word, apparently that was never done. The file was lost eventually an everything needed to be resubmitted, and which was all resubmitted. Credit history was pulled and everything was restarted. For days I had not heard anything from Rocket Mortgage and called them. That is when I became aware the file was lost as it was transferred to many different people which failed to have anyone correctly follow through. Having an argument with Rocket Mortgage the file was coincidentally found, and things got worse from there. According to the underwriting they wanted to see more things like child support documents in which I believed were too personal. I am current and not in arrears at all with the payments, and did submit the proper documents that show Child support being deducted from my payroll. This was not something that was advised to submit since the very first time I reached out to them and many mistakes were done on behalf of Rocket mortgage. NOt only have I had anxiety and depression from them, I feel now discriminated as a Human for not having an opportunity to own a home. I feel I have been wronged throughout this process and tricked that I had a VERIFIED APPROVAL LETTER from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you today due to the lack of concern with XXXX, Transunion and XXXX. I have been disputing collections and derogatory items from my credit report for several months now. I have also disputed many through the actual creditor or collection agency. I have never really checked my credit until there was a breach at a store I normally shop at. That cause me to start checking my credit report. I have saw that I had many items that I have no known knowledge of. I have been a victim of identity theft in the past, and I also had to file bankruptcy because of it. I come to your company today to see if I can get some further help with the bureaus. I have asked for documentation, an original contract, people they talked to and confirmed these accounts with and received nothing. I have contacted the collection agencies and some of them don't even have any information to give but still report on my credit report. What I hope to get out of this is either some type of proof or documentation stating that the accounts are mine and I gave some type of permission for these accounts to be opened in my name. The companies listed below all show on all 3 bureaus. Please help. 

XXXX XXXX -XXXX XXXX XXXX {$270.00} XXXX  XXXX XXXX {$280.00} XXXX XXXX  XXXX {$390.00} XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX XXXXXXXX XXXX {$450.00} XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX was notified that the account XXXX.XXXX. XXXX was not going to be removed, then requested reinvestigation and sent it for XX/XX/2020 and still have not gotten any results back. Also this account has never been VALIDATED OR VERIFIED. I would like for this account to be REMOVED IMMEDIATELY!! It is not fair that you treat consumers this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card online, was approved and sent a card. I then received notice that they had my ssn wrong. I mailed in the required form. I recently found out they also had my date of birth wrong. I sent in copies of my ssn card and driver 's license to verify. I just discovered today that my card was closed without notification. My credit report Is also wrong. I've also sent in driver 's license and ssn to equifax
Product: Checking or savings account

I signed up for a Capital One 360 checking account and followed all directions to get the {$400.00} sign up bonus. The bonus was supposed to be paid on XX/XX/XXXX and when it was not, I called customer service and was told I did not enter the promo code. However, I entered the promo code XXXX  and offered to send the proof I have that it was entered at opening. I opened the account on XX/XX/XXXX and I had to receive 2 direct deposits totaling {$1000.00} or more within 60 days of account opening. After this was completed the {$400.00} bonus would be paid by XX/XX/XXXX. I received direct deposits as follows : {$1000.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX. I exceeded the requirements and still did not receive my bonus. I would not have opened the account if I were not going to receive the bonus, and I am 100 % sure I entered the promo code, I will attach the screenshot I have. I was referred by my brother and the exact same thing happened to him and I noticed numerous people online are in the same situation. This is fraud on Capital Ones part, or in the very least - false advertising. Please help me to make them responsible for falsely enticing customers to open an account and then not making good on their promises. I have a case open with them where they are making an exception, but can not guarantee anything and I do not have high hopes this will result in anything positive. My case ID is XXXX. Capital One says there is nothing else they can do. This is very frustrating, and makes it hard to trust a big financial institution. Thank you very much.
Product: Payday loan, title loan, or personal loan

I had a loan with XXXX XXXX that was paid off in full from a mortgage refinance back on XX/XX/2016 which i have a copy of the cashed check in the amount of {$14000.00} with the correct loan number on the check and the bank statement showing that the check cleared the bank account. XXXX XXXX had continued to withdraw funds from my account for the past 2 years. They are now stating that i am in default and that they never recevied a payoff check and the copy of the check i provided is not valid since the account information was hand written.
Product: Credit reporting or other personal consumer reports

Please see supporting documents pertaining to XXXX data breach identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX { Last XXXX SSN : XXXX } XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # : XXXX Dear XXXX Dispute Resolution Team XXXX I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as XXXX XXXX of the XXXX XXXX breach. I have included a copy of my Identity Theft Report ( # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : 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. XX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Bank account or service

I have Wells Fargo Business Accounts. When I visit my business account the company advertises a Small Business Line of Credit- pre approved for XXXX to XXXX. However, when I applied they only approved XXXX. I would not have applied for XXXX. I have excellent credit and do n't need smaller amount of credit line than XXXX. This resulted in a credit inquiry on my credit report, which will lower my score. Wells Fargo did False Advertising to entice people for loans, but approved much smaller loans that originally promised.
Product: Credit reporting or other personal consumer reports

These inquiries dont belong to me, and these addresses are non mailable addresses so they need to be removed. See attached so many discrepancies with the compliance of my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : 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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian 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 XXXXXX/XX/XXXX XXXX 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 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 U.S.C. 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: Debt collection

After failing to have a fraudulent account removed from the credit bureaus reported by BBVA USA, I contacted CFPB to file a dispute. Upon filing the orginal dispute with CFPB, immediately I was contacted by BBVA USA Fraud Investigator, XXXX XXXX, in regards to my complaint. XXXX alleged BBVA USA would remove the fraudulent account from the credit bureaus upon receipt of a completed Fraud Affidavit being emailed to her. I followed the steps and completed the document within the 15 day deadline. I submitted the document approximately XX/XX/2021. It took approximately 8 days for XXXX to respond to my email and phone calls confirming receipt, she responded XX/XX/2021. At that time I was told I needed to submit a copy of my driver 's license and a police report if one had been filed. I immediately sent a photocopy of my driver 's license and advised that I had not filed a police report for this particular incident on XX/XX/2021. 
XX/XX/2021 XXXX XXXX submitted a false statement to CFPB alleging that I failed to comply and submit the requested documents to submit a fraud claim. It was also asserted that I was not providing accurate statements in regards to multiple failed attempts to resolve this issue with BBVA USA previous to filing a complaint with CFPB. 
I believe BBVA USA is operating unethically as a business. I believe BBVA USA intentionally failed to respond to my phone calls regarding this matter until CFPB was involved. I believe BBVA USA intentionally failed to acknowledge receipt of my completed Fraud Affidavit and driver 's license submitted by XX/XX/2021 and made false statements on XX/XX/2021 stating that the otems had not been received. Please see attached emails to XXXX  XXXX in Fraud Department. I further believe BBVA USA is attempting to wrongfully collect a debt from me that I am not responsible for.
Product: Credit card or prepaid card

XXXX XXXX I removed {$500.00} by atm that had a fee of {$2.00} successfully and received my text alert.The next day ( XXXX ) it would not allow me to withdraw the same amount and my online account was locked and said to call customer service, over the next few days I spent over 10 hours waiting to speak to anyone and the phone was disconnected at 2-3 hours of waiting. I now demand closure of the account and the remaining some of {$690.00}, as of XX/XX/2020 be sent to my home address.
Product: Mortgage

I am requesting all documents pertaining to XXXX XXXX XXXX XXXX, XXXX ga XXXX. This is a fraudulent loan.
Product: Debt collection

XX/XX/XXXX I submitted a " Total and Permanent XXXX '' form by my Doctor from XXXX XXXX XXXX XXXX, XXXX, MN to the U.S. Department of Education for a discharge of my student loan which took effect that year. Now 6 years later The U.S. Department of Education 's Loan Servicer " XXXX '' of XXXX, XXXX ( XXXX ) XXXX is trying to collect on this discharged loan.They are lying telling me over the phone that they have no information about my XXXX loan discharge and that XXXX took over as a New Contractor for Dept.of Education in XXXX. They Maliciously had their collection agency " Debt Management and Collection System '' take my XX/XX/XXXX EIC tax refund of {$63.00} and my XX/XX/XXXX Minnesota tax refund {$1500.00} this is theft. I filed a Complaint with the Minnesota Attorney General 's Office. Now these vindictive people has a 3rd party collection agency PBCM of Colorado harassing and threatening me for a debt I do not owe! These malicious and lying people at XXXX are requesting another Discharge Application from my Doctor and/or Social Security Admin. to again discharge this loan a second time, this is Fraud! Please tell this collection agency PBCM in XXXX XXXX, CO ( XXXX ) XXXX to stop calling and hanging-up on me, they are in violation of the Fair Debt Collection Practice Act. Please tell PBCM collection agency to Cease and Desist and for them and XXXX XXXX and XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, MO ( XXXX ) XXXX ) to return my money they have stolen from me and Cease and Desist from taking my tax returns. 
They have also violated the 120 grace period from XX/XX/XXXX since filing my Discharge they were not supposed to take my tax refunds under this 120 day stipulation. These people are all unlawful.
Product: Credit card or prepaid card

I had not been checking my credit regularly. Last XXXX I attempted to open a credit card at XXXX XXXX. I was denied my request. I received a letter stating I had deliquent charges. I decided to review my credit report via my bank and noticed that i had dropped dramatically. I then realized that there was activity with Truist Bank which I had not done. 
I went to a local branch and found out that there was a checking, saving and a credit card opened using my personal info. I realized I had been a victim of identity theft. 
My credit score it has been negatively impacted and I need to ensure all of those transactions are removed from my history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX pre-paid crediting building credit card - After two years of good service with this company, I noticed a major change in how my payments were being processed. 
I would make a payment and my bank would tell me it was cleared and payed, yet XXXX XXXX would hold my payment for several days, sometimes weeks. They mismanaged my payments by holding them for a month at a time over the last five months. Several times I would called XXXX XXXX to verify my payment was received ( after verifying with my Bank that the payment was cleared ) and XXXX  XXXX would add my Bank to our call and verify that the payment had been cleared. However, XXXX XXXX would continue to postponed my payment being available in their system ( remember this is a pre-paid card. I load the money and it should be available for my use within a few days ). Their representatives were rude to me on the phone when I tried resolving this issue time and time again. They would call my bank several times to verify payment the same payment and then still would wait several days, sometimes weeks to release the payment onto the pre-paid card. 

When I complained about this new practice of holding my payment for several weeks at a time the representative told me she could not help me and hung up on me. 

Due to this poor business practice over five months, I called XXXX XXXX and closed my pre-paid card with them. 

My credit score has now dropped over 100 points and my credit report shows a XXXX XXXX debt of over {$500.00}. ( You can not owe a debt on a pre-paid card. ) I would like to know how to get this off my credit report as it is drastically effecting my score and my ability to buy a home. XXXX XXXX has placed fraudulent charges on my credit report that I do not owe.
Product: Student loan

Navient/XXXX is reporting me 90 days late on XXXX loans that I had an repayment plan set up that withdrew my monthly payment automatically. I also did not know that they were reporting each one of my loans as a seperate tradeline on my credit report. One late payment made to one creditor has resulted in 4 times the credit impact, which resulted in lenders imposing higher interest rates as a result of that impact. It is also affecting my credit score making it difficult to qualify for a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two addresses present on my credit report. One of them is incorrect.
Product: Credit reporting or other personal consumer reports

My credit report has a few errors showing late payments that are uncharacteristic of my payment history. Kindly correct these issues and update my account. Much appreciated!
Product: Mortgage

On XX/XX/XXXX we closed on a refinancing with Eagle Bank for our single family home in XXXX MD. 

On XX/XX/XXXX we were informed that our loan had been sold to US Bank. The effective date of US Bank to start receiving payments was XX/XX/XXXX. Our loan number is XXXX. 

On XX/XX/XXXX I was informed by email that USBank had disbursed {$1900.00} to XXXX XXXX for an insurance premium payout. 

Unfortunately, we do not have our homeowner 's insurance with XXXX XXXX. We have our insurance with XXXX 's and this payment was made by Eagle Bank on XX/XX/XXXX. 

In speaking with the poorly trained customer service department, I was informed that US Bank made a payment for the premium for the Master insurance policy for the Condo.

This property is not a Condominium, it is a single family home which could be easily checked by using XXXX or perhaps just reading the documents. 

Even if this was a condo, what Condo owner pays the premium for the Master Insurance Policy for the Association? The only premium a Condo owner would pay is for an HO6 policy.

The rep then asked me if my policy covered walls in or just the outside. Again, this is a single family home so this question shows a poor understanding of what is in a Condo policy vs a single family home policy. 

The rep found that my paperwork was processed incorrectly designating it as a Condo. Why that happened and what possessed anyone to send a payment for a premium for a Master policy when you aren't even processing my payments yet for the mortgage is unbelievable. 

We are very disturbed that you would send funds out of our account when you do not even have the account till XX/XX/XXXX. 

I spoke with a rep for US Bank on XX/XX/XXXX and was assured my paperwork would be updated and the funds returned to my account. 

On XX/XX/XXXX I received an email that US Bank has now sent another payment for homeowners insurance for {$1900.00} to XXXX XXXX. Still not our homeowners insurance policy. Called the bank on XXXX and they had no record of my request from XX/XX/XXXX. I asked for a lock on any more escor payments and that they had t get my authorization. They refused. I am now out {$3900.00} with no assurances when this money will be returned. I emailed XXXX XXXX XXXX XXXX at the Bank with no response. 

US Bank has shown us so far very sloppy handling of our account, our funds and very poorly trained workers. Not what you want to see when you handle our escrow for insurance and taxes.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I received an email stating that XXXX would be reporting my auto loan payment late if they did not receive payment by XXXX XXXX time on XX/XX/23. I was almost done with a refinance and the payoff was to be sent the XXXX. It was and on XX/XX/XXXX I received an email from XXXX of their receipt of my payoff amount. And indeed when I went to login the account was already closed out. Today, XX/XX/23, I wad notified by my credit monitoring service that bridgecrest had listed my account as 30 days delinquent. I am trying to build my credit to apply for a mortgage and late payments are a huge deal. I entered chat with a XXXX  representative, XXXX and she stated their processing time for these corrections are 90 days. Which is unacceptable for a mistake that their company made. Didn't take them any time to report it late, why can't they remove it just as quickly?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported my account for the last XXXX years that I'm not late on any of my accounts. Then on XX/XX/20, a collection account appeared only on Experian. I checked XXXX  and XXXX. My credit score dropped. I was at XXXX and now they are reporting XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian send out disputing results with a statement of items have been updated but you can see the problem right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a fraudulent account from a collection agency named XXXX appeared on my XXXX  and Equifax credit report. I am not indebted to this company or any secondary company. As I pay my bills on time. I never received any written communication referring to any alleged debt from this company, my right to dispute, or my right to request proof of this fraudulent debt, prior to this fraudulent posting of a collection which is a violation of the FCRA and the FDCPA. The posting of this unverified and fraudulent debt has severely hurt my credit score and my ability to obtain credit. This fraudulent debt is unverified, incorrect and should be removed immediately or legal action will be taken.