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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Vehicle loan or lease

The auto company is continuing to report this account late. I have contacted them several times. I am repeatedly hug up on, am transfer to an out of the country foreigner or a XXXX speaking agent and I am an American who only speaks English. I have sent in written request and the company has failed to correspond. 

I am making all my payments on time and they continue to report them 30 days late each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to XXXX, Transunion, and XXXX about errors on my credit reports. There are late payments and personal information like names and addresses that are not correct. I have written them on XX/XX/2023 and again on XX/XX/2023. I have not gotten any responses from any of these bureaus. I have provided information including my driver 's license, social security card and proof of address. They have not sent me anything, and nothing has changed on my credit reports that i can see online. They are supposed to send updated credit reports and they have not. it's been over 60 days and nothing.
Product: Checking or savings account

I am filing a complaint XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This is practice violates the fair Credit Reporting Act ( FCRA ), 15 U.S.C. s 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with necessary proof of investigation.
Product: Debt collection

I have never done business with Midland Funding Llc. I do not have a signed contract or a verbal agreement with this company. After repeated phone calls and letters to me, Midland Funding Llc is using the US Postal service to fraud me out of money. This is extortion and I will be forced to notify the postal inspectors.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

I just changed my XXXX  mobile phone number four days ago and every day since than I have received a call from this company called Sequium Asset Solutions. I block the number and they continue to call from other numbers identical to the previous. This last time I called the number back to ask them to kindly stop calling me because the individual they was looking for no longer has the number they are calling which is how I know who this company is. Upon calling I was immediately greeted by a prerecorded message stating this number owes $700  plus for something, I remained on hold to speak to a representative but I was never connected and I hung up. I have no idea who had this number before me but I am not the person this Sequium is looking for and wish for them to stop harassing me. Calling everyday from a new number is annoying considering I just received this number from XXXX
Product: Checking or savings account

Due to internal issues, Capital One banking has not released my direct deposit causing financial strain. There is no issue on behalf of my employer/payroll, strictly XXXX XXXX system. This is causing delays in payments, resulting it past due fees assessed. They have failed to communicate this issue in a timely manner, failed to correct the issue or provide an accurate XXXX for resolution.
Product: Credit card or prepaid card

my colleagues and i each received {$500.00} prepaid visa debit cards. Upon trying to use mine, it had already been " hacked '' and used at what appears to be an east coast grocery chain ( i live in Hawaii ). i reported the theft to vanilla gift cards, and filled out the proper paperwork to document the theft. i was told to expect 45-90 days ( I sent it in XX/XX/22 ). It has now been over 90 days, and vanilla gift card is no help. 2 of my other colleagues also had there money stollen too. This is a major problem, and vanilla gift cards isn't doing anything to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I found that my ex-husband applied with Bank of America for a commercial loan with my SS #, and address. After many attempts to find out how they were able to get a credit report for a guy posing as a female. I contacted the Fraud department of Bank of America and I told them happed and they told me that the account be flag as an identity theft, also told me that any application that will come on his name with my SS # will be rejected. Monday XXXX XX/XX/XXXX, I picked up my mail and is a letter from Bank of America addreed to my ex-husband with my address and letting him know that the credit was freeze and to reach out to have that taking care off. This time he applied for a credit card. Bank of America never did what they told me they will do marking his name as a identity theft, he is able to keep trying. I understand they are just doing business but after they know and have a report of the circumstances and have the name and SS # related to the fraud why they keep telling happend. What about my protection. They have a male applying with a female SS # and all is ok. When I called the bank on Monday XX/XX/XXXX the person that took the call told me to go to XXXX If that's the way a banker treats someone compliening about identy ttheft by someone else, I'm not sure how they can treat any one by suggesting to learn how to manage their life. Why the banks allowed people to apply for either a loan or credit card by their website and don't request than the person applying goes to one of their branches and identified them selfs. That should be a protection to the consumer. NOTE : I BEEN DIVORCED FROM HIM FOR 10 YEARS AND IN 10 YEARS I DON'T KNOW ANYTHING ABOUT HIM.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a XXXX XXXX XXXX  card on my credit file that does not belong to me and appears to be Fraud, I have contacted TransUnion several times to have the XXXX XXXX XXXX Fraud account disputed, investigated and removed,. TransUnion continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA TransUnion must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX XXXX XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXX XXXX, I did not give authorization to XXXX  XXXX back or any creditor to open an account in my name. Under the FCRA TransUnion must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.
Product: Checking or savings account

I received a notice from Bank of America requesting additional information for an account that was trying to be opened. I never requested a bank account with BOA. They then claimed that the account was not opened to which when I received a debit card and monthly statement the account was indeed opened even though no money was in the account. I have a feeling that it is still open even though I made it very clear I did not open the account. I filled with the fraudulent department. This is the first time BOA has stolen my information. I had an account there about 13 years ago and was charged astronomical fees for over draft. Without any notification. When I had a credit card with them, that information was stolen. I have had at least two other occasions with them where my identity was stolen. It greatly affected my credit for some time but the e boa is off my credit report. But this definitely seems an ongoing problem with them.
Product: Checking or savings account

Complaint No. XXXX Bank of America is claiming there was a debit made to my account & Receipt No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not reflect a debit number.
Product: Checking or savings account

My card, accounts and person identity was comprised. There was two fraudulent chargers for XXXX and XXXX made to XXXX XXXX that was not authorized by me. Bank of America isnt investigating this because they say I had a previous history with this merchant. Never have I made transactions this high and nor have I authorized these charges. I have filed a police report and provided this to Bank of America and they refuse to properly investigate this. Please help as this has put me in financial hardship.
Product: Mortgage

After six months they would not lower the payment. Interest rates were not lowered. Saved all texts when the representative XXXX XXXX guaranteed to lower the payment to XXXX. They did not. XXXX XXXX will NOT communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for loan with XXXX who shot gunned the application to about a dozen finance companies. Information returned indicated that I had charged off a {$1500.00} charge on an XXXX credit card affecting the interest rates offered negatively. I contacted XXXX, one of the credit reporting agencies and disputed the information they had on file for me. corrected some of the information but left the charge off from XXXX and an Alias they had listed for me. Apparently the individual involved in the XXXX charge off was named XXXX XXXX who lived in the home I occupy previously. The name XXXX XXXX as listed as an alias I had used in the past. 

XXXX corrected most of the incorrect information but left the charge-off and the alias of XXXX XXXX. They indicated XXXX says the information is correct. I've since contacted XXXX and they will share no information with me. Later, I received a shipping notice from XXXX for a purchase I did not make. I also recently received a notice from XXXX XXXX XXXX trying to collect another XXXX debt that is not mine. Reference # and XXXX XXXX were included. I contacted XXXX again and they refused to get involved even though they sent the information to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After taking a look at my credit profile I notice some hard inquiries that do not belong to me
Product: Checking or savings account

A check in the amount of XXXX was deposited into this account On XX/XX/XXXX. Our company name was XXXX XXXX XXXX. Our trade names are " XXXXt '' and " XXXXf XXXX element ''. The landlord wrote the check to one of our trade name " XXXXt ''. 

Unfortunatelly that's where went wrong with this bank. they put a hold on the money right away and said they are doing fraud investigation. They never asked any material from me and every time i called, they would say it should be done soon. 

Then suddenly on XX/XX/XXXX. The money was withdrawn from my account and my account was closed. they didn't even give me any clue where the money went. they just say it is their policy the money was sent bank to the original landlord. the landlord didn't receive them at all as recently as XX/XX/XXXX. 

They behave so badly that every time I called, they just repeated the same answer. the money was returned to landlord but they don't know how and when. 

Landlord said they don't receive it, I am just a hopeless regular person who spent over XXXX XXXX asking for his own money. I really wish someone who know the case to sue them for their reckless and careless act. 

Please request all the video records that I had with them. I am very polite while they just treat people so unfairly, especially towards minorities.
Product: Credit card

On the weekend of XXXX XXXX XXXX I over paid my credit card. I paid off the balance twice on accident. I now have a large credit, but they will not let me access it with the credit card, they blocked it. They also tell me a check refund is more than 20 days away. They will not issue me a new card, or tell me why my card is blocked. I was willing to use the overpayment on bills, but the card is blocked. The customer service agent says they are going to send a refund in the mail because they wont take the hold off the card. I didnt want that, but they could barely speak XXXX and must have misunderstood me, or decided my wishes didnt matter.
Product: Prepaid card

Payactiv HAS KNOWN FOR 5 MONTHS that I have had credit card taken and someone took XXXX off of card. I've put 2 disputes in with payactiv with no response! I've called over 24 times to be hung up on and have NO STATUS UPDATE OR ANSWERS TO THIS MONEY LAUNDERING/ MONEY HUNGRY COMPANY.
Product: Mortgage

Due to a reduction of pay and provisions in the CARES act for COVID related impacts allowing temporary suspension in mortgage payments, I opted in to Fulton Bank 's offering. Nowhere was it revealed that this would result in a report to credit agencies disallowing any refinancing actions, or new mortgages. This should have been disclosed in the suspension offering process. Upon learning of this 3 months later, and being denied a critical refinancing with another bank ( to alleviate impacts of income reductions related to COVID ). I repeatedly called Fulton Bank to urgently resume payment schedule and not be reported negatively in a forbearance status. Representatives took days to respond or did not respond at all. My financing with another bank was denied due to this and resulted in a negative financial impact, exacerbating COVID related financial impacts. I was finally able to immediately pay the 3 months of deferred payments, but I was never provided a letter to lenders testifying that my Fulton account was in good standing. Over several weeks, I repeatedly called on phone and sent online messages requesting the electronic transmission of this critical letter I needed. My credit scores are over XXXX and I am currently unable to complete any other financing actions because of this adverse action by Fulton Bank. Most egregious is the treatment by representative " XXXX '' in the Mortgage section and with responsibilities in COVID related deferrals. She has refused to send me an electronic letter for weeks, has hung up on me over the phone, and refuses to answer the phone when I call back for an update on receiving the letter. In addition, no letter has ever arrived via US Mail either. I have electronic messaged Fulton Bank regarding XXXX for several weeks, and I just get messages back that a supervisor will get back to me. Nobody has ever gotten back to me in over two weeks. I lost the other financing due to this incompetence and lack of service, causing long term financial damage to my family in the middle of this pandemic. In addition, the arrogant and flippant attitude of this mortgage representative and refusal to help has been been simply unfathomable.
Product: Student loan

I have submitted an employment certification form to qualify for public service loan forgiveness multiple times, and Fedloan Servicing refuses to process this form. I submitted it in XXXX, XXXX, and again in XXXX, and they do not update my payment count. I have messaged and emailed them repeatedly, and they do not update my payment count.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, More than two years ago, paid the full amount to the collection agency. I was told will be removed from your account. 
Already sent the payment letter and XXXX  balance letter to the XXXX to remove the collection report from my credit score. However, they did not remove it and still keeping in my score. Currently, I have XXXX balance for that account and paid the amount two years ago. 

Currently, trying to get a mortgage loan for better APR, but can not get it because of this score that provided by XXXX  Please see the attachment Thank you, XXXX XXXX XXXX, XXXX, Ga
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information reporting on my credit file that does not belong me. There is a medical account XXXX XXXX - XXXX XXXX and also there are unauthorized inquiries and incorrect personal information that is reporting. Please assist me in getting these items removed from my credit report. 

There are unauthorized inquiries reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX Incorrect Personal Information : Address : XXXX and XXXX Names : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX, NY XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I want these hard inquiries REMOVED!
Product: Credit reporting or other personal consumer reports

There is a late payment reflected on my TransUnion credit report for an account on which I was never late. The information being reported appears to be inaccurate and does not reflect my actual payment history. 

I have requested that the company correct this error in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit reporting agencies be accurate and complete. 

This matter needs to be corrected as soon as possible.
Product: Credit card or prepaid card

I applied for a Delta SkyMiles Gold American Express Card in XX/XX/XXXX with an introductory bonus offer of XXXX  miles after spending more than {$2000.00} within a six month period. The card was approved, the more than {$2000.00} within six months was spent, and I kept the card open. Fast-forward to now, XX/XX/XXXX, I have not been given these miles and was never informed that I would not be receiving these miles. I contacted American Express support and was informed that based on my " credit history, welcome bonuses, or the number of cards opened and closed, that I was not eligible ''. I was never informed that this bonus offer was denied, and the advertising was misleading/predatory. Further, I was charged the annual fee of {$99.00} in XX/XX/XXXX. I told them to downgrade the card to one without the annual fee, but they also informed me that they would only be refunding me a prorated amount of the annual fee, despite not making any purchases on this card since the annual fee was instated. I know for a fact that they have no records of me being informed of being denied this bonus offer of XXXX miles, because I was never informed. Furthermore, I kept the card open for the past year, spent thousands of dollars, paid off all balances, and was screwed over by American Express 's predatory/illegal advertising practices.
Product: Mortgage

I took out a loan to remodel my parents home for the comfort of my elderly mom, I always paid the first two companies timely, and had no issues. However, once Nation Star took over, they didn't inform me as my old Co told me that they would, once I found out, they had already started placing the house into foreclosure. I have been fighting with them. I did call them and advised them of my information. Still, they kept being scammers as they are. I tried to set up a modification with them, they took out all of payments with the exception of the last one and stated the payment was a NSF and that I had to start all over.Well, I fell into their trap, started all over, and they stated on this one the same and that the bank blocked them. The monies sat in the account. They have all of these fees, NSF fees charged to me and the only way to keep my home is to file bankruptcy and soon. They have my beacon score very low. They are my old bad creditor. When I asked them send me information, they lie and dont.