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

I recently tried to open a bank account with XXXX XXXX XXXX XXXX in addition my wife attempted to add me to her account with XXXX XXXX. On both occasions I was denied due to Bank of America having incorrectly reported fraud to XXXX XXXX XXXX. I have repeatedly requested my report from XXXX and repeatedly called Bank of America requesting this incorrect information be removed. This reporting has been detrimental to my family. I am essentially unbanked. I can not make the regular transactions a hard working, tax paying citizen should be able to make. My wife & I are trying after 6 years of saving, to buy a home. This report is negatively impacting that process as well. Bank of America has shown no remorse for this situation and refuses to correct this issue. I respectfully request the CFPB to compel Bank of America to remove this inaccurate, devastating reporting from the file with XXXX XXXX XXXX. In addition, I respectfully request CFPB to compel XXXX to provide me with evidence of the fraud they so claim. 
XXXX has been the subject of NUMEROUS class action lawsuits for this very same disgraceful behavior. This can not stand. They are harming American citizens with no regard to the lasting impact to their families.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE U.S. Department of Education approved my student loan discharge in the amount of about {$53000.00}, due to my Veterans XXXX XXXX XXXX. I have supplied each bureau with disputes and documents twice, and have not gotten accounts removed. In addition there are entries that I have disputed of companies that performed credit checks that I did not authorize and Transunion fails to remove account along with a XXXX XXXX secured credit card that is past my state 's statue of limitations on reporting and although the bureaus claim to conduct a honest and fair investigation, this could not be possible because This account, secured credit car, I never opened.
Product: Credit reporting or other personal consumer reports

Tried to contact the company to explain this is not my debt
Product: Credit reporting or other personal consumer reports

When I sent a copy of the FTC report, it was made clear that credit bureaus are not impeding records. I am forwarding this Complaint to assist in laying out a lawful response, as required by FCRA regulation 605b. If you do not stop the fraudulent activities listed below, I will pass over my records to my lawyer to initiate legal action. It is my intention not to pursue any legitimate activity, so if it is not too much trouble, follow the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I purchased a new mobile home in XXXX and had it financed with Vanderbilt Mortgage and Finance. For the past five years or more the mortgage company has had forced insurance coverage on the home because I could not afford the insurance at that time. The cost of the insurance premium was usually less than XXXX XXXX dollars with the premium payments divided into monthly payments and added in with my mortgage payments ; this resulted in payments of {$510.00}. 

I received a notice in XX/XX/XXXX from Vanderbilt Mortgage stating coverage had been placed on the home with a premium in the amount of {$1400.00}, and coverage of {$290000.00} on a mobile home that is only valued at less than XXXX XXXX dollars. My monthly payments increased to {$560.00} which I refused to pay because of the amount of coverage. I don't have any additions or other buildings on the property. 

I was able to purchase insurance on the home in XXXX, XXXX ; I called Vanderbilt to report that I have insurance and was told that I was three months behind in payments because the insurance premiums was taken from monthly payments causing partial and not full payments. When I tried talking to someone at Vanderbilt about the {$290000.00} in coverage I was told the company had no control over the amount of coverage. My concern is Vanderbilt Mortgage having {$290000.00} worth of coverage on a mobile home that is nineteen years old with just the home on the property. I also need to know if I need to file a complaint with the insurance commission? 

Thank you,
Product: Credit reporting or other personal consumer reports

I've consistently upheld the practice of making timely payments on this account, preventing any instances of overdue payments. The existence of late payment remarks on my accounts leaves me uncertain. In accordance with 15 USC 1666b - Billing Error, corrections should be applied if discrepancies are found.
Product: Debt collection

I am a victim of identity theft. Back in XXXX, my identity was stolen and used to open fraudulent accounts at various department stores ( including Macy 's ). I filed a police report and immediately notified all of the creditors. I have contacted Macy 's customer service on several occasions to have the account closed and notified them this was a fraudulent account that I did not open. They assured me they would resolve the issue and I did not owe the debt. I continue to receive statements and now collection letters for the debt. I sent them a certified letter stating the debt is not mine and to discontinue sending me statements or collection letters. Macy 's has ignored every request and continues to pursue this debt. I am going to also file a complaint with the FTC. It is illegal for them to continue to pursue a debt they know to be fraudulent. All of the other creditors have all closed the other accounts and cleared me of any responsibility. Macy 's is the only XXXX that continues to pursue this debt with someone they are aware is not responsible or under any legal obligation to repay.
Product: Student loan

Signed up for Auto-Debit in XX/XX/ on my student loans that were transferred from MyGreatLakes to Nelnet. This was reflected in my account, and showed upcoming payments for all my loans. When the first due date came around, the auto debit did not trigger, and they have levied a late fee on top of the past due amount. Unable to reach customer service due to inordinate wait times and disconnects.
Product: Credit card

I put a dispute in with Discover card for a charge from a business called XXXX. The credit card company requires me to only submit my proof through their special website which is blocked and dose n't let me login with my password. I believe this is on purpose to keep claims from being completed. Because of this I contacted the business XXXX myself and did Discovers job for them since they refused to handle it properly by U.S. legal standards. The business XXXX refunded my money to Discover and sent me an email stating so but Discover refuses to credit me on my account. I have been noticing a large uptick in credit card companies committing this type of fraud against consumers this last year or two. I demand Discover card refund the money to me that XXXX refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my Transunion credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear AMER CR ACPT, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that AMER CR ACPT has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities. 

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information.

I have not provided consent for AMER CR ACPT to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers.

I hereby demand that AMER CR ACPT immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring AMER CR ACPT into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices.

This notice is given in good faith with the expectation that AMER CR ACPT will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting or other personal consumer reports

Somebody use my personal information for request a loan and a credit card in XXXX XXXX XXXX XXXX XXXX. the loan did't was proceed but the credit card he took {$4000.00} in the bank. I saw this information because credit karma and the three credit agency ( XXXX, experian, XXXX ) notify me in a email of the situation. I make a dispute with all agency of credit and all bank with this problem in XXXX that problem start in XX/XX/2024 in the state of florida and i live in XXXX XXXX all my life never in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed a multiple inquiry removal letter on  XXXX / XXXX / XXXX  in order to dispute information on all  XXXX  credit reports. in regards the hard inquiries that are being reported on my credit reports. The request i submitted included hard inquiries that are not factual and i recieved the same response for ALL inquiries, which stated all inquiries are factual record of file access. If you believe this was unathorized contact creditor. According to FCRA Rules, FCRA  623 ( B ) ( 2 ) AND 611 ( A ) ( 1 ) it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the   XXXX   XXXX    delete disputed information from its files. The fact that i recieved a response 4 days later one can only assume there was no investigation, I am submitting this complaint due to lack of investigation. This is unfair pratices by the credit reporting agencies with no concern for the consumer credit worthiness.     these are the disputed inquiries   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX      XXXX     XXXX   XXXX   XXXX     XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX     XXXX   XXXX   XXXX     XXXX     XXXX   XXXX   XXXX     XXXX     XXXX   XXXX   XXXX      XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX     XXXX   XXXX   XXXX     XXXX     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

Despite my diligent efforts to provide valid documentation supporting my position, it seems that my message is not being properly received. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me, and I am perplexed as to why it is being labeled as fraudulent or high-risk. The documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. I am aware that according to FCRA Section 619, obtaining information under false pretenses is a serious offense with severe penalties. However, I have never shared my documentation with anyone else, and I fail to comprehend why it is being suggested that this constitutes high-risk due to potential fraud. The following accounts need to be removed from my credit report ASAP : 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

My credit report contains several accounts that are incorrect and should not be attributed to me. This situation is both unfair and deeply concerning, as I have neither authorized nor participated in any activities linked to these accounts. Should you fail to investigate and correct these errors, I will be compelled to take legal action.
Product: Debt collection

XX/XX/XXXX I just got off the phone with CAPSTONE CREDIT COLLECTIONS LLC XXXX XXXX told me to stop wasting the governments money and go get a job to pay the money to them. i ask for the contract to show that they have the right to collect the debt he sent me an outdated contract from XX/XX/XXXX which was a general contract giving them permission to collect for XXXX  AT XXXX XXXX along with the new contract which he sent that's from XXXX XXXX XXXX from XX/XX/XXXX now its a new owner new company XXXX XXXX i asked for the new contract CAPSTONE does not have a contract to continue to try to collect anything. the company doesn't own or have a agreement to collect any debt or report any debt since XX/XX/XXXX which was XXXX AT XXXX XXXX which no longer exist.the sole purpose of this company is to trick people into paying debt that they can dispute and for CAPSTONE to try to collect a debt an pocket all the money without having to pay the original creditor is FRAUD and criminal. also XXXX told me why dont i put this energy into getting some money instead of being a pain in his XXXX and bothering them, which is the reason i need this off my credit report in the first place.
Product: Credit card

Capital One owe me an amount of {$620.00} which they were supposed to sent me a check because it was a balance adjustment. Called them multiple times and kept telling me that they sent the check and I should wait about XXXX business days. The second time I called they gave me XXXX business days and the check never arrived. I begin requesting this since XX/XX/XXXX which is when the XXXX XXXX  was made. The rest of the details are in the file I attached below.
Product: Credit reporting or other personal consumer reports

I had traded/ sold my car on XX/XX/year> with XXXX XXXX XXXX I was under the assumption that they fully paid and handled everything like they told me. I recently found out that It was never fully paid and still had a remaining balance the last 2 years and it's been affecting my credit score without my knowledge till I checked it last month. The pink slip shows that they paid {$7400.00} which was the whole balance of the car. I did get a hold of XXXX XXXX and they told me Hyundai only asked {$7100.00} which was impossible said Hyundai Finance. XXXX XXXX Sent me a check back in XXXX  saying they overpaid my car and never cleared it out that I still had a balance. I was unaware of this issue and having a balance / late payment. If I found out sooner I could have figure things out and credit score/ report wont be this low. I can't get a place that would approved me I'm just trying to fix it and figure this whole thing out
Product: Credit reporting or other personal consumer reports

According to 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. Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS. ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report. Also, it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information 15 USC 6802. Nonpublic information means- personally identifiable financial information provided by a consumer to a financial institution resulting from a any transaction with the consumer or any service performed for the consumer 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 : " As a financial institution, [ Furnisher of Information to Credit Agencies ] must adhere to these obligations. My financial history on XXXX, XXXX, Trans Union is not public information and should not be furnished on my credit report. Please remove all transactional history including payment history, any late payments, utilization rate ( should say paid as agreed ) etc. Thank you for understanding and your compliance.
Product: Mortgage

I tried for seven years to obtain a home modification. Since I was not receiving any help and after submitting multitudes of home modification packages, as well as thousands of dollars to catch up, I went to court and enjoined the mortgage and FINALLY received a modification. After the modification, I received a statement from Nationstar, indicating I am released from paying PMI, and therefor my payment was changed. I tried contacting XXXX, to no avail. Then I received a notice from Caliber Home Loans LLC stating they had purchased my note but XXXX was still my servicer and I was to continue to send full or partial payments to XXXX, which I did and the payment was returned. On or about XXXX XXXX, i received notice of foreclosure on XXXX XXXX, clearly disregarding laws of foreclosure notice. I contacted Caliber,  and they refused to speak to me. Although they claimed I am not the mortgage holder, they said a " cease and desist '' communications was in my file? How is that possible since they never communicated to me? I sent a letter in writing as instructed and received a letter back saying they were investigating my claim of " errors '' made. I then signed in to my XXXX ACCOUNT prior to the foreclosure and received a statement " your loan has been paid in full, if you are on automatic payments, you will be withdrawn and owe nothing further. 

On XXXX/XXXX/XXXX, I received notice, without any outcome of Caliber 's  alleged investigation, ignoring my requests for production of NOTE or production of document with my signature on " cease and desist communications, that my home was foreclosed. My self and my XXXX young sons are now being threated to be locked out of our home via Sheriff. The notice was from the sheriff was addressed to my teenage son, my mother, who does not reside here, and myself whom Caliber has claimed all along that I have no mortgage with them. The is the most heinous, egregious example of an unlawful foreclosure, using UNITED STATES POSTAL SERVICE TO SEND FRAUDULENT AND MIS LEADING DOCUMENTS regarding the same.
Product: Student loan

My name is XXXX, my loans were generated under XXXX XXXX XXXX. When I consolidated them on XX/XX/XXXX, the loan amount was {$33000.00} this was done under XXXX XXXX. My daughter graduated in XX/XX/XXXX and the amount jumped to {$48000.00}, the date shows it to be XX/XX/XXXX. Then again in XX/XX/XXXX the amount jumped to {$61000.00}. This consolidation eventually went from XXXX XXXX to XXXX and on XX/XX/XXXX the amount had jumped to {$77000.00}. I understand adding the interest in, however during this time I was making payments. I did forbearance a few times. The loan is now being serviced by XXXX. It shows on the federal website that it is still under XXXX. I feel as thought they pressured me into forbearance at different times. However, the interest should only have been XXXX, XXXX and XXXX respectively. XXXX told me I am enrolled on an ICR,  however my payment is {$0.00}. I don't understand why I owe this much and how the loan jumped XXXX, XXXX and then XXXX. The math does not make sense. Also, I am not sure XXXX, XXXX or XXXX XXXX are reputable companies. I feel I have been cheated and I really want to pay this off. If you look at my records, the school loans for myself in XX/XX/XXXX have all been paid. How do I know I have been treated fairly? What legal recourse do I have for the school, XXXX XXXX for taking my co-sign signatures on at least 50 % of these loans and removing my daughter as this is her debt. 

Thank you for any help. 

my e-mail is XXXX XXXX
Product: Credit card or prepaid card

I have been unable to use my American Express virtual gift card with {$370.00} since XX/XX/XXXX. I called American Express 6-8 times over the last 8 weeks. Im always told that the card is fine and that it was the particular merchant. One time I was told that it was the merchant on XX/XX/XXXX had placed a pre authorized hold on the account that must not have been lifted. I reached out to that merchant and they promptly responded that this was an American Express issue. 
Ive tried using the card in store and online through a variety of National Chain merchants. 
There is no higher up to investigate or take my call and they will not issue me a new card. 

I have called several other times in XXXX, but would have to pull my phone bill. 

XXXX 45 minutes XXXX 25 minutes XX/XX/XXXX 7 minutes XX/XX/XXXX 14 minutes
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital is showing XXXX late payments on a closed account that is COVID 19 related. This account has been fully obligated and now because of COVID 19 is indicating XXXX time late. Partial account # XXXX