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

Hello, MT Bank has my mortgage account and they have been incorrectly reporting my balance to the credit bureaus. My current outstanding principal balance is {$300000.00} according to my statement, MTBank website and their customer service representative. MTBank reported to credit bureaus on XX/XX/2020 that my balance is {$310000.00} and on XX/XX/XXXX it has reported my balance as {$310000.00}. Please note that according to MTB statements and their customer reps my balance is still {$300000.00}. My credit score dropped by more than 10 points over this balance adjustments that are incorrect. I spoke to MTB rep in XXXX, who was very rude and told me that he doesn't know who is reposting this that I should file paperwork with XXXX. I did, and XXXX  came back to me saying that this is a correct amount according to lender. I spoke to MTB again in XXXX and was told to fax them my credit bureau information. I did it the same day and was promised to hear back by XX/XX/XXXX. Today is XX/XX/XXXX and I still haven't heard back from them! Also in comments on this account on XXXX  it says - " Student loan - payment deferred '', which is WRONG, it is not a student loan. I don't know who is doing this but they need to be retrained to not make mistakes on customers ' credit files. This is an unacceptable mishandling of my information and I expect it to be fixed immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in XX/XX/2018 and then again in XX/XX/2018 and the dealership was informed and requested to only run my credit once, and they, without permission ran my credit more than 10 times each time. I have received a letter from the dealership stating they did not have the permission to run my credit and they would have them removed from my report, but that has not happened. I contacted the credit bureaus and they had me write a letter stating the problems, and they have since refused to remove these inquiries off of my credit report even though it has been considered fraudulent activity and was not authorized.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find unauthorized inquiries on my credit report, and I have no idea why theyre there. I reviewed my credit report as I normally do, but this time, there were discrepancies that caught me off guard. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries were still there. Given this issue, Im urgently asking for a thorough review of the documents Ive provided so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

Experian and XXXX  not letting me look at my credit BEEN a victim of ID Theft XXXX  XXXX not paying for their mistakes i have letters and asked for a fix
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have since received more emails and dispute info on my credit report and this continues weekly if not daily. I was told by telephone several times that what one person does to stop this and clean up the report and remove the comments I requested another one comes along and reworks it and files more disputes which overrides it. There are 61 and hundreds of emails. I don't know how to make this stop and my hope of a mortgage Experian has destroyed. I did not request any of these. 

Complaint filed XXXX Experian will not stop sending emails and opening new disputes and once all comments are removes another person in their company comes along and puts them back on. 
This has gone on for over 2 months. I have as that my original request be removed if that is too confusing for them. Delete it or something just STOP. 

What would it take to just correct the report and just STOP!
Product: Credit reporting or other personal consumer reports

I am writing this dispute to Transunion for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed an account Santander consumer USA on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from transunion within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. 
The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted transunion regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that transunion complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Debt collection

On XX/XX/20, I received van email from XXXX XXXX that I had a new hard inquiry on my XXXX credit report by Tower Loan, XXXX, MS . I did not give request or give permission. I phoned XXXX  to have it removed and they said Tower Loan needed to contact them to have the hard inquiry removed. I phoned Tower Loan and was told they couldnt reach me by phone and thats what lead them up to doing the hard inquiry. They stated they did it to find out if was woukd be able to make my monthly payments. I suggested sending me a letter rather than trying to ruin/damage my credit.
Product: Student loan

when I was in my XXXX, I transferred schools. Then they began billing me as if I was no longer enrolled in school. I filled out forms and the financial aid dept at my university informed them I should have my payments deferred until graduation. unfortunately, none of that happened and my loans accumulated interest and late fees. I payed what I could and then could n't. it went into forbearance. I eventually was able to get a repayment plan based on income. however, I am still paying more than I should have.
Product: Credit card or prepaid card

Chase closed my account on XX/XX/2021, due to a previously closed account. However, I've disputed the previous closure as unjustified and that's why I was allowed to open new accounts, yet they still closed my accounts.
Product: Credit card

I opened a small business checking account with XXXX  XXXX XXXX, and a small business credit card with Wells Fargo. In setting up my credit card, I wanted to link the credit card to the checking account so that I can pay the credit card with the checking account. 

When entering in my account information for my checking account in the Wells Fargo application, I receive an error message indicating the account is not set up for transfers or payments. 

I have contacted Wells Fargo, who states that the set-up needs to occur with XXXX XXXX  XXXX . I have contacted XXXX  XXXX XXXX who insists the set-up must occur with Wells Fargo . The banks have refused to provide email addresses, enter in a joint call to resolve the issue, and are now putting me at risk of incurring interest on a credit card unnecessarily. 

Both financial institutions are adamant that their is nothing forbidding the connecting between the accounts but have refused to take reasonable steps to resolve the matter.
Product: Student loan

I attended XXXX XXXX college back in XX/XX/XXXX-XX/XX/XXXX. I had a student loan with sale mea that was sold to, two different companies. one XXXX and the other Navient. I never had my GED when I attended XXXX XXXX   college and was not able to benefit from degree- I submitted paperwork to both loans ( ability to benefit ) will all required documentation I was told. I submitted application/GED/GED scores/final grads transcripts from XXXX XXXX college. XXXX accepted these quickly and approved the application and is now pending with department of education FASA. Navient on the other had, is the one who told me to attach these documents and now is trying everything in their power to decline my application. first the said I had to correct last name, so I did, then they told me to resubmit application because I did not have a references on it, so I did. Now they stated I need to submit an agreement from school. The college I went to is no longer, has be cut off by government funds so they filed bankruptcy and shut their doors due to corrupt actions. I can not get this paperwork, on the gov department website it stated to show proof of GED and Transcripts and application which I did. when I call them they will not put me on the phone with the correct people, when I ask for supervisor they hang up. I told them I would put in a complaint due to them not wanting to process my paperwork and they hung up on me. I don't know what to do if I loan approved and this loan will not- it is all from the same school. I can not get anyone from that loan to answer my questions, they refuse to process application and eat time I submit what they ask they come back with another and another, information school would have that no longer exists. please help.
Product: Money transfer, virtual currency, or money service

I noticed several transactions on my account that I did not authorize. These included purchases at an online store and a subscription service l 've never signed up for. I contacted my bank 's fraud department immediately after discovering the charges and reported them as fraudulent. The bank froze my account to prevent further unauthorized activity, issued a new card, and began investigating the charges. I have requested a refund for the unauthorized amounts and am waiting for the investigation to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed and inquiries aren't mine. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

A late payment for mortgage loan was reported in XXXX XXXX for my XX/XX/XXXX payment. This item is inaccurate due to the following reason : I made my payment for XXXX through the app as I normally do. Unbeknownst to be there was an issue in system. My payment information is saved in the system so that I can make my payment each month. Only one payment account was saved the system to make my payment.. As the app only show the last four ( 4 ) digits of the account you are paying from, which showed the correct four digits of my checking account. I made my payment as normal. Approximately 7 to 10 days later, on XX/XX/XXXX, I received notice that my XXXX payment was returned, and a person showed up to my house to make sure it was secure! I had more than enough funds in my account for my mortgage payment therefore I called LoanCare to get this resolved and discovered that there were two checking accounts listed in my loan account both of which had the same last four digits but not the same beginning account numbers. XXXX with account services assisted me in getting the payment made through the correct checking account, waived the retuned check fee due to the error by LoanCare then transferred me to XXXX in the LoanCare webservices division to get this resolved. XXXX worked to get the incorrect account removed but was unable to at the time. A request ticket was made to get this situation resolved, in the meantime I named the accounts good and bad so as not to get them confused for future payments until the bad was removed by LoanCare. 

LoanCare continues to deny my complanit and resolve the issue by simpliy removing the late payment on my credit report. This is ruining my report and causing issues for a potential job move. My conversation with XXXX XXXX, a LoanCare escalation XXXX, on XX/XX/XXXX told me it was my choice to use the app or web to pay my bill and that if the XXXX XXXX department has denied this then that it. Use another method. Even though none of this was my doing I was basicaly told it was my fault.I was given no other person to speak with. This was an internal issue with LoanCare 's systems that I never had a problem until that day now it my fault for thier mistake.
Product: Debt collection

Hi, This account that has been reported numerous amount of times is basically the same bills. They are adding them to every inquiry for the same month twice and amount. How is this possible to report something over and over with same amounts and in same month. There are just a few that have a different amount but majority are the same. I want to know how this can be repeated over and over. Here is the company and the amounts that are the same but just reported on different days. How can they do this? Makes it look like I owe numerous bills and for the same amount and months! See below the same company and information. 

New collection WAKEFIELD & ASSOCIATES XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following XXXX accounts has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX  Balance {$1100.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1800.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXXalance {$500.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX Original creditoXXXX XXXX XXXX Balance {$100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditoXXXX XXXX XXXX Balance {$320.00} Balance updated XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$1000.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1000.00} Balance updated XX/XX/ XXXX  XXXX XXXX Original creditor XXXX XXXX 
Balance {$220.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXXXXXXXXXX XXXX XXXX Original creditor XXXX XXXX Balance {$100.00} Balance updated XX/XX/XXXX XXXX XXXX
Product: Debt collection

As of XX/XX/2024 I am being charged over {$50.00} per month on a bill of {$310.00}. 
Before I rec 'd any notification from this company ( Holloway Credit Solutions ) I contacted my dentist 's office to pay off this account and was told it had been sent to collections. It was months after this that I began receiving letters form this debt collector. I believe that I am being scammed by both the dentist and the debt collector or that they are in conspiracy to illegally profit from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I discovered inaccuracies on my credit report regarding several collection accounts, which I believe are due to identity theft. Despite multiple attempts to correct these errors through the credit bureaus, the inaccuracies persist. This misinformation is negatively impacting my credit standing and financial well-being. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), I have the right to have fraudulent information resulting from identity theft blocked from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a forbearance by XXXX  in 2020. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time XXXX has reported me TWICE as being delinquent and my credit score has dropped XXXX points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called XXXX in XXXX and they completely admitted being in the wrong and said that they would make it right. But then in XXXX it happened again. Once again I called XXXX  and was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XXXX which did not happen. Please help!
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited 'technical issues ' caused by 'third party vendor power outage ' over 2 days ago, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I AM A VICTIM OF AN IDENTITY THEFT, XXXX XXXX XXXX XXXX HAS ASSIGNED THISA CCOUNT TO MS SERVICES LLC COLLECTION AGENCY. I HAVE NEVER HAD ANY ACCOUNTS AT XXXX XXXX XXXX XXXX, THIS ACCOUNT WAS OPENED FRAUDULENTLY AT XXXX XXXX XXXX XXXX