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

I applied for a checking account online with first national bank of Omaha on XXXX XXXX. Within 24hrs my account was open. I went into the branch to ask questions on the new account and to get a instant printed debit card, I was told I must wait for one to be mailed to me since the account was open online, fair and I under stood. I called the next day, XXXX, to see if/ when my debit card will be mailed off. I was told it hasnt been mailed and there was a block placed on my account and that I needed to visit a branch to identify myself and show my ID/ Driver license. I went to the XXXX, KS branch on XXXX and presented my Drivers license to the male teller/banker named, XXXX. XXXX approved that I had ID myself and sent a email to Fruad prevention department stating that customer can in and presented ID as requested and hold-block can now be removed. XXXX stated he would call me back later once he heard back from the Fruad Prevention department. XXXX called me at XXXX, XXXX, and stated the Fruad prevention department approved to left the hold on there end but a branch manager would have to do it, at that time, a manager was not available and he would follow-up with me on Monday, XXXX. I got a called from XXXX on Monday, XXXX, XXXX stating that his manager would not remove the hold. No reason was given, and I requested to have to manager call me. I was told the branch XXXX, XXXX, would call me as soon as he was done with a customer. The manager never called me so I had to call him several times. After talking to the manager it was discovered what he telling me was misleading info and discrimination opening the account. I following direction on what I do to ID myself, and they chose to lie because of who I was. 

I was told by the branch manager, XXXX, that the bank is no longer taking applications online. As of today, XX/XX/2024, I see the bank is in face taking and opening new account online. Another lie told my the bank!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$2900.00} on XX/XX/XXXX and another payment of {$9800.00} on XX/XX/XXXX that were supposed to be adjusted against my principal. 

I have regularly paid all my mortgage payments i.e. {$710.00} through my bank - the mortgage servicing company confirms receipt of my regular mortgage monthly payments including for the month of XX/XX/XXXX. 

However, the mortgage servicing company - Nationstar Mortgage LLC d/b/a Mr. Cooper is ignoring the above-mentioned payments. 

After adjustment of above-mentioned two payments, the adjusted balance to be reported to credit monitoring agencies. But the mortgage servicing company is dilly-dalying and/or ignoring my request for a long period - and also harassing me with letters, although they recently stopped making unwanted/unwarranted phone-calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

XXXX : XXXX XXXX  XXXX Balance : {$27000.00} XXXX : XXXX XXXX  XXXX Balance : {$27000.00} TransUnion : XXXX XXXX XXXX Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to EQUIFAX. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt and request to have public information removed from my credit file. There is two Chapter XXXX bankruptcies listed on my public Experian credit report that I have requested several times to be removed. It has also been confirmed that the U.S. Bankruptcy courts does not and will not verify such accounts ; therefore the accounts has not been verified, the system in which the credit bureaus use to verify information is not the correct method of verification. Per the PROCEEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to these accounts and CONSUMER REPORTING AGENCIES in which these items has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {XXXX} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Product: Checking or savings account

On XX/XX/2020 I opened a checking and savings account with Bank of America. As part of the account opening process BofA had to debit my existing external checking account {$100.00} to fund each account. on XX/XX/2020 both {$100.00} transactions left my external checking account. On XX/XX/2020 {$100.00} was credited to my BofA checking account I waited a couple days for the savings account to receive its credit. The {$100.00} never was credited. I called BofA on XX/XX/2020 and was told " Its in our system and we don't know what to do. '' So I called back and was told " we don't have anything for that amount. '' I have received no help. This is not a good welcome for a new customer. 

-XXXX XXXX
Product: Debt collection

To Self Financial : ( This is the 3rd Letter Sent To Your Company ), prior 2 certified letters. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXX. This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITICARDS CBNA XXXX-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX -You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

PLEASE DELETE THE FOLLOWING 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
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and the companies listed below ran an unauthorized credit inquiry on me. 

XXXX XXXX, TransUnion, XX/XX/XXXX XXXX, TransUnion, XX/XX/XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights and should be removed. Please see attached FTC Identity Theft Report. 

Under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I made an internet payment on my Conn 's Home Plus credit account using my debit card in the amount of {$1500.00} which was indicated to be the payoff. I received an email with a confirmation number of XXXX indicating that the payment had been received and would be applied to my account. The payment is listed on their website and I have the email however it has not been applied to my account which has continued to accrue interest and now late charges. I have contacted their customer service on four different occasions and have been contacted by their collection team once since that date. Each time the representative can't explain why a payment that is on file has not been applied to my account and claim to have escalated it to their accounting team. While kind, I don't believe that they are seeking to clarify the issue and correct it for me. I am concerned about the possibility of this affecting my credit score if reported as late when the account should be paid in full.
Product: Credit reporting or other personal consumer reports

Request for Investigation into XXXXXXXX XXXX  Reporting Practices Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating XXXX for its handling of my credit report. I have encountered numerous issues that suggest improper and potentially unlawful practices that have caused significant harm to my credit standing. 

Reasons for Dispute Reinsertion of Previously Deleted Inaccuracies : XXXX has repeatedly reinserted charges and accounts into my credit report that were previously investigated, disputed, and deleted. These items continue to reappear without any notice or explanation, contrary to the Fair Credit Reporting Act ( FCRA ) requirements. 

Incorrect Address Listings : My credit report contains multiple instances of addresses I have never lived at, despite my efforts to dispute and remove them. These inaccuracies have reappeared multiple times after being corrected, leading to confusion and potential misrepresentation of my creditworthiness. 

Failure to Investigate Disputes Properly : Despite providing documentation and evidence supporting my disputes, XXXX has failed to adequately investigate or correct the errors in my credit report. Instead, they have provided generic responses and dismissed my claims without resolution. 

Recurring Inaccuracies : I have noticed recurring inaccuracies, such as outdated or incorrect account statuses, that remain on my profile despite being flagged in previous disputes. This has led to unjustified negative impacts on my credit score. 

Impact on My Life These ongoing issues with XXXX reporting practices have made it difficult for me to secure loans, housing, and other financial services. Additionally, the repeated need to dispute the same inaccuracies has caused unnecessary stress and financial strain. 

Lender Name : Amount : {$45000.00} Issue : Loan was taken out in my name without my consent. Despite reporting this fraud to the lender and credit bureaus, the loan remains on my credit report. 

Issue : Unauthorized personal loan opened using my information. The lender did not follow up on my dispute or provide resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. USDEPED XXXX {$40000.00} XXXX XXXX {$65000.00} XXXX XXXX {$3500.00} XXXX XXXX {$700.00} XXXX   XXXX {$5000.00} XXXX   XXXX {$5500.00} XXXX XXXX {$790.00} XXXX XXXX {$390.00} XXXX XXXX XXXX   XXXX {$4000.00} XXXX XXXX XXXX {$5200.00} DEPTEDXXXX   XXXX {$1300.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX {$2700.00}
Product: Credit reporting or other personal consumer reports

I received notice from XXXX XXXX that I had a new hard credit inquiry from Huntington Bank and I have never stepped foot into that bank or had financial services from them. The bank does not have a fraud department to help me and continue to request my social to look me up. I do not have any accounts nor have ever applied with Huntington Bank and after 3 calls I still do not have confidence that this will be taken care of.
Product: Mortgage

On XX/XX/XXXX I set up bimonthly payments with Specialized Loan Servicing on the SLS.org website. 

On XX/XX/XXXX SLS withdrew {$1400.00} via ACH for 1/2 of the XXXX mortgage payment. 

On XX/XX/XXXX SLS withdrew {$1400.00} via ACH for the second 1/2 of the XXXX mortgage payment. 

For unknown reasons SLS did not withdraw either of XXXX XXXX ACH payments and did not notify me until XX/XX/XXXX that my XXXX payment was late. In the notification letter they listed a next payment due date of XX/XX/XXXX for a total amount of {$2400.00} and a late charge of {$72.00} inferring that the XXXX payment was late. ( As stated above SLS had withdrew both XXXX debits. 

After 4 separate requests SLS is refusing to reverse the late charge claiming that they had already dismissed a previous late charge in XX/XX/XXXX. 

I don't feel that I should be responsible for this or any late charge as I paid the XXXX payment via ACH and it was SLS 's fault that they didn't process the XXXX payments via ACH.
Product: Credit reporting or other personal consumer reports

I put a freeze on my Equifax credit file a couple of years ago because I found that someone was trying to use my credit to purchase a car or something. Now, whenever a company wants to check my credit file, they can't because it is frozen. I should be able to remove the freeze myself or lock the account using myequifax.com login, but ever since I set that account up, I always get a message, " We are temporarily unable to complete this request. Please try again later. '' I can NEVER log into my account. I tried to get an agent to help me fix this problem, but it was fruitless. The agent also made me nervous because he had a thick XXXX accent, and I have trust issues with people from XXXX because a large number of scamsters hail from XXXX. I hated giving out my personal information to this agent, wondering if I was really working with Equifax at the number that I called. I think it was legit, but I have trust issues. I got an email stating that my login issue had been resolved, but it really was not. 

I researched this problem out on the internet. One source said the following : According to Equifax, the " We are temporarily unable to complete this request '' message shows when the data in your myEquifax account and your Equifax credit file ( their main database ) do not match. This situation is sometimes called a split file. For example, Equifax could receive an updated address from your bank for your credit file that doesnt match the address in your myEquifax account. Your bank or credit card company reports this information to Equifax and the other credit bureaus periodically. Equifax will not process your request to log on in that case, and the we are temporarily unable to complete this request error page will show. You also wont be able to use the automated phone system. Any attempt to toggle your credit freeze through the phone system will fail. 

Here is the page I am referring to above XXXX XXXX XXXX XXXX  My Equifax credit report has XXXX different addresses for me at my current zipcode, but XXXX is a physical address and the other is a XXXX XXXX XXXX I wonder if that has anything to do with this? 

This whole thing is such a waste of time.
Product: Debt or credit management

The company doesn't have a real call center with live representatives. There is no way to file for a dispute and it is still impacting my credit score. I tried all the options from the automated call system many times but I coudltn get to anybody. If they are not going to take the dispute, they shouldn't work as credit bureaus. Why do we need to get judged by these credit bureaus that don't even exist? They don't take calls and try to fix people 's credits on time. The collection is paid off and closed. And the collection agency said they updated my info on the XXXX of XX/XX/year> and it looks like Experian will never update my data.
Product: Student loan

Re : FedLoan Servicing. My loans have been paid current at all times. I paid my loans through an authorized monthly direct debit of my savings account. 

I requested the changes to my direct debit information in late XX/XX/XXXX. When I did this, though the " update direct debit information '' ( online process ) I was advised multiple times that the changes would not take effect before my next payment due date ( XX/XX/XXXX ), and I would need to either make a manual online payment or mail a check to keep my loans current. Therefore, I made XXXX manual payments -- XXXX on XX/XX/XXXX and XXXX on my payment due date ( XX/XX/XXXX ) to make sure my account stayed current. Even on XX/XX/XXXX when I logged in to make a payment, my account page displayed that " no direct debit would be taken this month, '' as a notification under my account status. 

On XX/XX/XXXX, I made a manual payment in the amount of {$200.00} because Fed Loan communicated ( by way of notice on my online account dashboard ) that no direct debit would be taken out on XX/XX/XXXX as I had recently updated my direct debit information. I made my XX/XX/XXXX payment MANUALLY -- as I was instructed to do. 

On XX/XX/XXXX, FedLoan attempted a direct debit ( even though they communicated to me no direct debit until XX/XX/XXXX ). There were insufficient funds in my bank account for the second successive payment, as I had just made a {$200.00} manual payment, and I was assessed a {$24.00} NSF fee. 

On XX/XX/XXXX, FedLoan attempted the direct debit AGAIN. There were insufficient funds in my bank account for this successive payment, and I was assessed another {$24.00} NSF fee. 

I request a refund of the {$48.00} ( 2x {$24.00} ) fees assessed to me, because I believe it was Fed Loan 's error in attempting to extract a direct debit after advising me my direct debit changes were not yet in effect and no direct debit would be extracted. Had I not relied on that information from Fed Loan and in turn not made the manual payment, sufficient funds for a direct debit would have been in place, and no NSF would be assessed. 

I have since paid off my loan balance, and as a result I can not access the majority of my online account including payment history, notifications, etc. to obtain any documentation supporting FedLoan 's statements. However, I believe a portion on their Direct Debit Policy ( which I can no longer access on their website ) explains the practice of skipping the next direct debit following direct debit changes, and the need to make manual payment. 

I have contacted FedLoan and attempted to resolve this matter with them directly. Despite receiving an oral acknowledgement on XX/XX/XXXX from CSR ID # XXXX that FedLoan made the XX/XX/XXXX direct debit extraction in error, and a refund request would be submitted, the call notes conveniently omit this detail, and XXXX XXXX ID # XXXX and XXXX ID # XXXX advised the request was denied on XX/XX/XXXX -- though I received no notification of the request being denied absent having to ask.
Product: Debt collection

eviction statement on my credit tried disputing asking for valid proof or some sort of documentation to confirm this was an account that belonged to me back in  XXXX   XXXX  no documents received also went through collection  XXXX  to have information dispute still remains active on my account after 7 years per my credit report this have been on it since  XXXX  of  XXXX .    * Capstone Credit Ser vices #  XXXX  ( this is the name of the creditor. )
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My problem with CITIZENS BANK Over the past week I have been assessed XXXX overdraft fees/service charges totaling {$230.00} This brought my account down to - {$250.00} Simple math shows that my account is ACTUALLY only - {$19.00} This means that I have been charged more than XXXX times what I actually am negative in the account. 
This seems a little excessive. 
When I contacted my customer service number, the first man ( who was very nice personally ) said that he could n't do anything. I asked him to escalate me to a supervisor, and he obliged. 
The supervisor at first said that there was nothing she could do, then when I kept pleading my case, she said she could remove XXXX of the fees, ( which was actually XXXX fees assessed in 1 day ). She took {$100.00} off, which still leaves me - {$140.00}, or 7 times what I am actually negative! 
I fully understand that if I go into the negative, I will be assessed a fee of {$35.00}, but {$230.00} is insane, especially after the taxpayer based bail out.