23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

After closing my checking account at US Bank, US Bank fraudulently reopened a checking account in my name and continued to service the account and sent me statements starting XX/XX/. I closed my account with US Bank on or approximately XX/XX/. The account is still open at this time,
Product: Mortgage

It has been since XXXX of 2024 that Newer has been " performing/conducting '' an escrow analysis. I provided my XXXX rating to them in XXXX of 2024, they never called back to say more was need to complete my XXXX XXXX to reduce my mortgage. I learned through another veteran that I need to submit a XXXX balance tax bill, which I submitted via my mortgage/loan services portal around XXXX. I was told, when I called, that they would need to do an escrow analysis and it could take XXXX days. I waited XXXX months called back, they still hadn't completed or either shown progress on the escrow analysis. So the rep, I talked to stated he would request an escrow analysis as it looks like nothing was requested. My mortgage is still not reflecting my tax exempt status nor have I received my excess escrow funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my accounts have been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my reports : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXXBalance {$0.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX Balance {$13000.00} ;
Product: Debt collection

A man called my home phone number and asked to speak to me. I said this is she speaking. He said he was calling from some resolution/recovery company which was not noted on my caller I.D . He asked me for my personal information, my address and birthdate. I told him I do n't give out my personal information. His response was I 'll see you in court. 

My call I.D . showed : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX @ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke to XXXX from the XXXX card XXXX office. She confirmed receipt of my complaint from the consumer financial protection Bureau. I explained that in XX/XX/XXXX, I made a payment through the XXXX  app and upon going into the bank the following month I was informed my payment was 30 days late. I explained to my banker at that time that I made the payment. We immediately called XXXX and they explained that they were experiencing issues with the app. I requested the late payment be removed. XXXX refused. Thereafter, I have repeatedly contacted XXXX to remove the reported late payment, unfortunately, to no avail. 
On XXXX XXXX, XXXX explained that XXXX does not have a late payment in their system for my account and advised me to resend the complaint with pictures. I am doing that now in order to fix the inaccurate credit reporting by XXXX in accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a bank, no longer in business reported a payment which caused my equafax score to drop by more than XXXX points. A bank I have never had an account with XXXXXXXX XXXX XXXX is the noted bank.is whom it shows reported the information. 

I contacted the bank and have a file report number. 

I also contacted equifax to dispute this and have a file number from them as well. 

My issue in this entire matter is Why does the Credit reporting agency have 30 days to keep reporting this matter while they investigate this crime?

This is pure defamation and maybe defamation laws may enter this. 
Why does the law allow defamation and character assault to go on for 30 days? 

It should be immediately removed until it is investigated! 
it is like letting a XXXX keep on XXXX XXXX until the investigation is complete. 

Now credit decisions whether cutting a line of credit or approving a loan are made in seconds, not 30 days. 

Insurance rates and other things are priced on credit scores, a drop of XXXX points could and does affect us all an to have 30 days to falsely report mistakes is ridiculous! 

With banks and most financial institutions using faceless AI bots to run programs and take decisions it will be a tragedy not to fix this faceless system before many lives are ruined. 

This is a systemic problem, not just a bank fraud issue.
Product: Credit card

Capital One restricted my credit card pending identity verification. I have submitted all required documents to Capital One and I am still unable to utilize my credit card.
Product: Bank account or service

Bank  of America has encouraged users to sign up for notifications when their account balances get below a certain amount. I have set up these aler ts. On the morning of  X/XX/2017   , I received an alert that my balance was at or below {$4.00}. Since I was on my way in to work, I decided I 'd swing by the bank and deposit cash on the way home. Later that day, I was at my desk working and received another notification that my balance was overdrawn on  X/XX/2017   , which means  1  ) B of A did not send any notification of a low balance prior to  XXXX  and  2  ) sent me a misleading notification on the morning of  XXXX  about the status of my account so they could charge me  XXXX  overdraft fees that would have been avoided if they 'd sent me the notifications when the actual events occurred as opposed to after the fact and out of order. When I called B of A to file a complaint, the customer service reps basically told me I ca n't rely on the technology they encouraged me to rely on and that I just have to check my account balances every day. They also seemed to feel that receiving a notification in the morning that you have a low, but positive, balance on  XXXX  then being followed by a notice eight hours later that you have a negative balance as of  XXXX  makes all the sense in the world. They also have returned to the practice of paying out larger payments that come in later before smaller payments that come in first causing excess overdraft fees, which they were successfully sued for several years ago.
Product: Money transfer, virtual currency, or money service

I sent {$220.00} to a recipient in XXXX on XX/XX/XXXX. They sent an email saying my recipient was going to receive the money within a few minutes. As I write this complaint, they have not been able to pay this amount on the pretext that their partner in XXXX has not resolved the problem. I have made at least 8 phone calls to follow up but this issue has continued pending. 

I requested them to cancel the transaction and refund me, but they have refused. 

I do not have any logical recourse as at now. Also, this was a time sensitive payment which has resulted in irreparable losses. I therefore seek your help in rectifying this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

These listed accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 : 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 crime 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested that Equifax investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. 

On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) On XX/XX/2020 I advised Equifax that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX )
Product: Debt collection

I received a letter in the mail from Paramount Recovery Systems saying I owed {$350.00}. It did not state who I owed the money to, it did not state if it was a credit card company, it did not state the creditor at all. Neither did they provide any kind of account number. The letter was not asking for any personal information, but it did contain a small form to fill out and send back which I did. The only information on the form was my address which apparently, they already have. The amount stated was an exact figure which is a red flag to me. There are no cents in the amount. There were boxes to check for actions to take. I checked the box that stated I don't believe this is my debt, I checked another box that stated I want to know who the original creditor is. It seemed legit until I looked up the company on the XXXX website. It appears to be an accredited company that has been operating for 20 years but when I looked at the customer reviews, there was nothing but bad reviews and complaints that Paramount never provided the information the customer requested and continued to insist they owed the debt. I think what they are doing is fraud. If they can't or won't provide information that will validate the debt, that means more than likely, they don't have it because the debt is not valid. I would like this company investigated and every case they contrive investigated as well.
Product: Checking or savings account

Opened new personal savings on XX/XX/XXXX, in response to promotion offering {$300.00} bonus for deposing and maintaining {$20000.00} for 60 consecutive days. Deposited the {$20000.00} on XX/XX/XXXX and painted the balance well into XX/XX/XXXX. Despite meeting the requirements, have not been paid the bonus.
Product: Debt collection

Complaint where information was requested for the 4 collection XXXX XXXX accounts .they are from the same company, this account is more than7 years old and will be removed next year XXXX .here my rights are violated and they violate the fair credit reporting law. They increased the balance of this account. XXXX XXXX account number XXXX balance XXXX reported errors XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence! provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Student loan

I took out some partnership loans when I was first out of high school to help assist with tuition and book expenses for college. I have five partnership loans that were opened in XX/XX/XXXX and XX/XX/XXXX. I never did finish college, however, I have been paying on my student loans for over 10 years. I have never been late on payments. I have five partnership loans that are all 8.4 % interest and most of the payments have been going to interest. I did file bankruptcy in XX/XX/XXXX, which I knew it would not discharge the student loan debt, so I continued to pay these loans. It has been enough time that my bankruptcy should be close to if not already removed from my credit reports. I have tried three times now to consolidate these five loans into one, so I am not getting robbed on all the interest. I understand interest needs to be paid, but I have been seeing not very much movement in over 10 years and I am just tired of it. I can afford the payment, that is not the problem. I am juts tired of paying over {$300.00} a month and only paying {$75.00} in principal payments. Every time I call in and talk to them and tell them I have been paying then for more than 10 years, I have shown I will pay, but they still will not consolidate these loans into one. It is very frustrating!
Product: Credit reporting, credit repair services, or other personal consumer reports

Several time I have tried to fix this issue with this particular company directly and through the bureaus. All documents are attached of each attempt. The FCRA requires that the investigation results be sent to the consumer. This company only sends a record of verification ( file # XXXX ). FCRA requires any documents used to validate a claim be sent to the customer. This company has fail to do so. I request any documents used to validate the claim as well as the wet signature that was used to verify and add this item to my credit report. The FCRA also requires that in order for a item to be placed on the credit a wet signature of authorization must be used. Send all of this documentation to me to validate this claim.
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these account does not belongs to me XXXX XXXX XXXX # XXXX. and these inquiries XXXX XXXXXXXX ( XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX is the last reported on this account on my credit report. 

This is misleading the account was closed years ago PAID IN FULL. 

XX/XX/XXXX I was informed my account was closed and no longer available. There had been no activity on my account for several years they closed it. 

Why is it still being reported on my credit report after years. I don't owe them anything ...?
Product: Mortgage

I am filing a complain against Stearns Lender for charging me too much for MIP. I had FHA loan with " Stearns Lender ''. My loan was paid off on XXXX/XXXX/15. Although the MIP was {$900.00}, I was charged for {$1700.00} for " prorated MIP ''. I called Stearns XXXX times to address the issue. Unfortunately with no resolution. 
I kindly appreciate for any help in this matter. 
I am also filing a small claim in court.
Product: Credit reporting or other personal consumer reports

Last month I called Ally Financial to get an extension to XX/XX/XXXX due to me taking money from my retirement on the XXXX and money would be processed into my bank account by XX/XX/XXXX. They granted me an extension and told me that was he longest they could grant and I told them that was the date I was asking the extension for. I asked for an extension only because due to my prior tenant nonpayment of rent and damaging my home in Florida and me being stationed in Illinois I have been paying the mortgage in Florida since XXXX and the bills in florida on top of my rent here and bills here in Illinois. I needed help because I dont not have it at that time but I told them I would have it XX/XX/XXXX and was granted that extension. They dont even wait past XX/XX/XXXX. They were untrue of helping me and still did the late payment. Not long after XX/XX/XXXX which was the date I paid it on I received a late payment on my credit bureaus. If I had known this I wouldve agreed to the arrangement. This unfair and doesnt abide by the FCRA regulations. I just needed a few days extension until I received my money and they granted me the extension but still ended up putting a late payment on my credit reports. Please review the call I made to them last month when I was told my extension was granted. This late payment took XXXX points off of my credit bureaus that I am trying to repair due to having to maintain both locations until I can get my home fully repaired and rented out again. I have more money going out than coming in and trying to repair it has been costing me on top of paying for two locations. Im XXXX  and having bad credit can get me kicked out and I am close to retirement. They have continued to be unfair and not honest. Now there are two late payments on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY SOCIAL SECURITY NUMBER TO APPLY FOR SEVERAL FRAUDULENT ACCOUNTS THAT I DID NOT GIVE PERMISSION TO THEY STOLE MY INFORMATION ANF OPEN FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I was never notified of this {$1700.00} debt and they had my most recent address on the credit reporting agencies as well as active mail forwarding when I relocated out of state. This debt was reported after I had moved out of state so my most recent address should have received any notification from the debt collectors that they had received a debt from the company. The debt went straight to my credit report, severely damaging my credit. I have tried to resolve this directing through the credit bureaus but with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachments/ attached documents and id as it contains my full complaint and request.
Product: Debt collection

I did not authorize anyone employed by these companies to view my credit or agreed to be in a contract with them in which I would owe any money to this company Or firm. 
report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6ll.