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

XXXX XXXX sold the deferred amount of {$95000.00} to XXXX, but are not deducting the sold amount from the retained amount when reporting to the credit bureau. My statement balance with XXXX XXXX is {$310000.00}, but XXXXXXXX XXXX is falsely reporting {$410000.00} to the credit bureau to include the {$95000.00} they sold to XXXX. The issue is that I'm making payments to XXXX  so XXXX Mortgage is not reducing the {$95000.00} as I make payments towards the deferred amount sold to XXXX. XXXXXXXX XXXX XXXX reason is that XXXX is not making them aware of my payments to XXXX. Since XXXX XXXX  has decided to report the {$95000.00}, which no longer belongs to them, they are responsible for reporting the correct amount therefore should do their due diligence to achieve updated information from XXXX each and every time that they report my balance to the credit agencies. As I am making them aware that they are not reporting the correct balance of the deferred amount that they sold to XXXX they are willfully and knowingly reporting an incorrect balances of the amount that I owe on the original deferred amount of {$95000.00} which is impacting my credit score therefore impacting interest rates offered to me. This means that there is harm if I were to file a tort claim which I am seeking legal assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting on XXXX, XXXX and transunion. First of all it is illegal and against the fcra for anyone to report anything without my permission. A bankruptcy does not belong on my report because I didn't give permission. The bureaus are violating my privacy rights. I asked for debt validation of this alleged bankruptcy and received that it was validated by the US bankruptcy court. I contacted the bankruptcy court and was informed that they do not validate with any credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i received notification of a hard pull from a company I have no relations with or authorized to use my information.
Product: Mortgage

I sent a QWR to Seterus XXXX/XXXX/2017. They have not responded at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX {$38.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$82.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX    XXXX {$9700.00} XXXX XXXX XXXX {$7600.00}
Product: Checking or savings account

Dear Esteemed CFPB Person, Thank you for taking the time to review our complaint about US Bank. 

US Bank offered the following terms to open a new checking account with {$300.00} bonus : https : XXXX/www.usbank.com/content/usbank/splash/checking/checking-offer-summer19.html. 
Requirements : Use promo code XXXX Receive recurring direct deposits of two or more that total {$2000.00} or more within 60 days of account opening Be enrolled in either U.S. Bank online banking or U.S. bank mobile app by XX/XX/XXXX I opened a new checking account on XX/XX/2019 and immediately signed up for online banking. And, on XX/XX/2019, my first electronic ACH direct deposit in the amount of {$2700.00} was deposited with US Bank. My 2nd electronic ACH direct deposit account in the amount of {$2700.00} was deposited with US Bank on XX/XX/2019. 

And, my electronic direct deposits are continuing to be deposted with US Bank and I continue to use US Bank online banking. 

On XX/XX/2019, I sent an e-mail to US Bank and inquired about my bonus credit and was advised by Miss XXXX XXXX.U.S. Bank Email Operations Department that I have met all the requirements and if I do not receive the bonus by XX/XX/2019 then reach out again and Miss XXXX A from US Bank will do the research. 

On XX/XX/2019, I sent a follow up e-mail to US Bank requesting an update and a credit to my account for {$300.00}. On XX/XX/2019, Mr. XXXX XXXXU.S. Bank Email Operations Department, responded that I have met all the requirements and he will escalate my request. 

On XX/XX/2019, I sent another e-mail requesting update. I was advised that I did not meet the requirements as my direct deposit did not make it on time. 

The bonus offer clearly states as follows, " Receive recurring direct deposits of two or more that total {$2000.00} or more within 60 days of account opening ''. My US Bank account has been receiving electronic ACH direct deposits from XX/XX/2019 and both Miss XXXX XXXX  and Mr. XXXX XXXX, U.S. Bank Email Operations Department have confirmed that I have met the requirements. Based on the facts, I believe I have met the requirements as outlined by US Bank. 

May I please seek your consideration and help in receiving my {$300.00} US Bank account opening bonus? Please let me know if I can provide any additional information or documentation.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having suffient funds when transactions were authorized I was charged fees due to the lagged posting of charges and credits the issue aligns with the recent CFPB findings against Navy Federal for miliar practices where transactions settled with insufficient funds despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

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

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

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 
I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ) Notification of the correction to any person who has received my credit report the past sixmonthsI expect a written response within the next 30 days. If this situation is adequately resolved, I Will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX XXXX I sent a letter to XXXX XXXX requesting my XXXX be closed and all annual fees removed. Furthermore, my account was always on autopay but for some reason my account was removed off autopay from XXXXXXXX XXXX. I have family members who remain on autopay so it's not like the bank does not offer this service. 

The bank has now continued to add a late fee every month for the past few months. Now today they reported my account as late to the credit bureaus thus effecting my credit score which was excellent. Such an excellent payment history that even today when I signed onto XXXXXXXX XXXX online they offered me another credit card account. 

The bank has now damaged my credit score and I want this removed from my reports as this issue was caused by them for taking me off autopay. 

I uploaded another letter to the bank today which is herby attached to this complaint.
Product: Credit reporting

There are XXXX inquires on my credit file that are not mines i have submit paper work and called and still havent recieved proper document. I have noticed that name is mine but the social security number and other personal information are not mines im jut trying to get the inquires deleted from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

spoken with XXXX, XXXX, and experian on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others. ABOUT ME AND MY WIFE
Product: Student loan

I am eligible for TPSLF, and I have been working in the public sector for over 15 years. I submitted my Employment Certification Forms ( ECFs ) to MOHELA on XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX, and she said that my loans were transferred from the Department of Ed/XXXX XXXX to them and that it would take up to 90 business days for them to process my loan information. On XX/XX/XXXX, I contacted MOHELA to let them know that they didn't receive any information regarding my loan transfer or any information about my loan counts. The representative told me that he didn't have any information in his records that my loans were transferred and that he would put in an expedited request. He said that it would take 45-90 business days for MOHELA to receive my loan information. I have been given the run around for over seven months, and by now, I should have an accurate loan count. This has been beyond nightmarish.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$330.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1500.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I booked a flight to XXXX, XXXX, ( Ref # XXXXXX/XX/XXXX XX/XX/XXXX credit card statement ) with a travel agency I found online, XXXX AirTKT. I called the agent and I thought I booked a ticket and I gave them my credit card information and was charged {$1300.00}. He gave me a travel agency confirmation number but not a final confirmation for the airline. He promised to email this information to me immediately but I never received it. I called the travel agency several times on a toll free number they were able to see my number and was placed on hold for up to 15 minutes at a time, but each time the call was disconnected. On XX/XX/XXXX the third time of sitting on hold I decided to call Bank of American Credit Card division to cancel this charge. I then booked a flight with XXXX XXXX, Ref # XXXX. 
Several days after the charges were reversed, I begin to receive a flurry of unfamiliar phone calls from an XXXX area code. I dialed the number back and it was the travel agency and I explained to the travel agent that I had not received the information as promised and I had cancelled the flight reservation. I saved the voice mail from the travel agent saying that it was not a problem and that he would cancel the reservation if you care to hear it. 
I would not have booked a more expensive flight days later with XXXX XXXX had I received the flight information as promised or if someone had taken my phone calls, nor was I able to leave a voice mail.. I saved the voice mail from the XXXX XXXX agreeing that a refund was not a problem and that he would cancel the flight. I have recently researched this XXXX XXXX and have found out that this Company is not registered to do business in the XXXX of California. I have called XXXX XXXX six ( 6 ) times and now told me that too much time has passed after the refund was approved and refunded back to my Account. XXXX XXXX mailed a letter asking for my explanation of what happened but the letter was ( 2 ) two weeks old when I received it. Once I received the letter I responded in ( 2 ) two days and followed up with a phone call to get an Email Address or Fax number to send my response and I was told that the only way to return it was by mail. 
In conclusion, I would like to know how a major Corporation, Master Card and a XXXX XXXX is able to conduct business in California without being Registered to do business in the State of California or the united States, nor has a Registered Agent in California or the United States. I have no remedy to resolve this matter as I have called XXXX XXXX at least six ( 6 ) times. I would also like to know what my options are to remedy this matter.
Product: Credit card or prepaid card

I authorized payment for my Chase Account on XX/XX/2019 for my Credit Card that is due on on XX/XX/2019 ( the day my account payment is due ). On XX/XX/2019 Chase Bank ignored the fact I set up a payment and instead autozied credit card payment using the automatic payment I had set up in case I forgot to pay my bill. Then two days later on XX/XX/2019 ( after my credit card statement was due, they authorized the payment I had scheduled on XX/XX/2019 this lead to my account with XXXX XXXX XXXX. 

We went in and got a refund from Chase bank, and XXXX XXXX refunded my overdraft. But I wanted to make someone aware that Chase bank withheld payment that I scheduled for my credit card until after my Due due.
Product: Student loan

I contacted Navient in XX/XX/XXXX. I wanted to see about having my Parent Plus included in my IBR. The employee said I needed to consolidate all my accounts and resubmit a IBR. I did what I was told. I recently received the notice ( XX/XX/XXXX ) that I am on an ICR with a payment in the amount of {$260.00} a month. I called and spoke to XXXX # XXXX XX/XX/XXXX, she said the way the consolidation was done I don't qualify for the IBR, had I done it another way-consolidate my parent plus loans and then consolidated that with my loans I would have qualified for the IBR. How was I supposed to know this and the first time when I called, the employee did not mention this at all. I was just told to consolidate. Student loans are so difficult, how was I supposed to know which way I was supposed to do it. I specifically told the employee when I first called about the consolidation that I wanted to include it in my IBR and apply for a 10-year forgiveness. Not once did he mention anything about one loan and then another. He told me to go online and consolidate, so that's what I did. This is unfair, and I cant afford the {$260.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX located in XXXX XXXX ; XXXX located in XXXX XXXX and XXXX located in XXXX XXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting

I have disputed twice now with Equifax regarding information on their reporting related to XXXX XXXX XXXX XXXX. Twice I sent in the FTC affidavit, police report, the federal guidelines, and my IDs disputing the same XXXX XXXX XXXX information with XXXX as the collecting agency for {$1900.00}. Once in XXXX XXXX and another in XXXX XXXX. Everything required of me by the guidelines on the FTC website, I followed. After filing in XXXX XXXX, they removed the fraudulent information, but then reinserted it. I filed another dispute, and they have not responded. XXXX and XXXX received the exact information, and they have already removed the fraudulent information -- and they informed me of the update. Equifax has never responded. All I got from Equifax was that it was under investigation -- this was back in XXXX of XXXX. To my dismay, I just found out on XXXX website that Equifax has not removed the fraudulent information that I disputed. 

2nd Complaint : I 've attempted to call and it is virtually impossible to get through. 

3rd Complaint : Equifax refuses to grant me access to receive my free credit report online once every 12 months per the Fair Credit Reporting Act ( FCRA ). Whenever I attempt, I keep getting a message that I need to call customer service. They had initially sent me a code to use to access online, and it gives me an error message. When I do call customer service, the hold time is incredibly long or unresponsive -- it 's borderline fantastical. I have attempted on different browsers and different PCs and still get the same error message. I have never had an issue with XXXX or XXXX. 

It 's been two attempts and 10 months since I initially submitted my dispute with Equifax. This is going on too long. Again, XXXX and XXXX received the exact same documentation and removed the fraudulent information. Equifax has not removed the fraudulent information, and Equifax has not even responded to me as to why it has not. The taste left in my mouth, this past year, is that Equifax either wishes me to not be able to check my credit report and/or they have no desire to remove fraudulent information from my file. In researching my complaint with Equifax , I 've come across other individuals who are just as equally dismayed at Equifax regarding everything contained therein this dispute. I notice that past fines and successful lawsuits have been assessed towards Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reviewed my credit report on or about XXXX  and noticed that it was several acccounts on my credit report that I did not recognize. I contacted the three major credit bureaus to get more information and I was instructed to dispute the information and I did they all responded with letters stating that the accounts were verified. I called each credit bureau individually and explained that the account were not opened by me and I had not given any autorization to anyone to open any accounts with my personal information. I was directed by each credit bureau to file a Identitiy theft report along with a police report with my local police dept. I sent them all the information requested on XX/XX/XXXX certified mail and they explained it would take upto 30 days to review the information and respond, on or about XX/XX/XXXX I called to follow up and XXXX and Trans Union said they never received anything the said to resend and XXXX received it but stated all accounts were verified and I would need to send in the documentation again for re-investigation. On XX/XX/XXXX I noticed some things had been deleted from XXXX and Trans Union but not all that was detailed in the FTC identity theft report and police report and XXXX nothing was deleted and I never received a response letter.
Product: Debt collection

I get about 6 phone calls per day with them saying my name and that a lawsuit is going to be filed, they have called realtives and places of employment. I do n't even know what this is, however they have listed it several times on my credit reports and it needs to be resolved immediately. They are reporting XXXX debts XXXX from XXXX and XXXX from XXXX, I have no idea what these are ... please help. The last time I had any debt issues was well over 15 years ago