23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My wife attempted to make a minimum payment, @ {$300.00}, using the Costco CitiBank credit card app. on her phone, but for some unknown reason their app. submitted a full balance due payment for @ {$8000.00} which we did not have in our account. So, the payment did not process and the credit card company put a " hold '' on our account. This 6-month " hold '' has created the following problems with our account : 1. Prevents my wife from using her bank account to make payments 2. Prevents immediate payment credit as before when making payments from our checking account 3. According to their customer service department ( XXXX on the Costco Membership Team # XXXX ), this 'hold ' gives them the " right '' to not post any of our payments for up to three weeks after being made and to provide misinformation via their automated system regarding when payments are received, but not stating the payment has not been posted or any advisory regarding the " hold ''. This " hold '' situation is not addressed in any manner in the Costco Membership Agreement or the CitiBank Terms & Condition 's.

4. For example, their automated system stated we made a  {$300.00} payment on XX/XX/XXXX, but that payment was not going to be processed and posted on our account for up to three WEEKS per their customer service department, which is stated by their automated system! Their automated system states they received our {$300.00} payment, but our payment is not reflected in our available balance with no other information provided advising they are holding our payment. This is intentional misinformation regarding the status of our payment.
Product: Debt collection

On XX/XX/2019 I received letter from my bank that collection agency Mid Valley Collections Bureau had levied against my bank account for money owed by a judgment debtor. The debtor has a different name than me, but according to the collection agency he used my social security number. On XX/XX/2019 I sent letter to attorney for the collection agency, Law Offices of XXXX XXXX, and called to notify him that he had attached the wrong bank account. I spoke to XXXX XXXX, attorney handling the case, and he was indifferent to this information and refused to provide any information on the debt, stating that I was not a party to the lawsuit and he could thus not disclose any information. On XX/XX/2019, thru my daughter, I called Mid Valley Collections Bureau, not the attorney, and told them that they had levied against the wrong bank account and that the debtor had fraudulently used my social security number. They told me to call their attorney. I filed police report with the Sheriffs on XX/XX/2019 and complaint with the Federal Trade Commission on XX/XX/2019.
Product: Debt collection

I sent a certified letter in XX/XX/2019 asking for verification and validation of the debt and they received it on XX/XX/2019 and it's been more than 30 days and now it's XX/XX/2019 and they the have yet to respond or delete from my credit report in which the Law requires them to do
Product: Student loan

There has been a breach of my information. 
There is some student loan debt that has been added to my credit report that is not mine. 
When I look at XXXX it shows Mohela XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Different amounts. When I call the number listed for Mohela/XXXX you have dialed a number not available from your calling area. All the numbers from the reports have different numbers. I would like to include code 15USC1681 in my report. I have called XXXX and they refer me to call the loans places directly. I was also mailed a tax form from Mohela that states I paid over {$10000.00} more in loan interest than the amount the woman from Mohela said I paid. I looked up my Mohela account on their website and the form I was sent from Mohela, and the form I was sent to do my taxes has different Recipient TIN numbers, and different addresses as well apart from the amount of interest supposedly paid. But, they both have the last XXXX digits of my social on BORROWERS TIN. This information sent to me is under my old last name XXXX which I have not used for XXXX years. Yetthe form sent to me has that too ( though Mohela has no idea about it because they say that they dont know who sent me the paper. 
So, someone has breached my information. Please help!!! 
Im tired of waiting XXXX hours on hold to talk to someone without answers!! Then I get transferred for XXXX hours again because they dont have the answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft due to the OPM breach while I was employed by the FBI. An account with XXXX was opened fraudulently and they sold this account to XXXX XXXX who placed this in collections on my credit report. I have sent my FTC identity theft affidavit, letter from OPM verifying what information was compromised, proof of my identity bearing my signature and a copy of the 605B statute to XXXX, XXXX and all three credit bureaus. I requested that XXXX provide me with proof that I have a contract bearing my signature that I owe them this debt on two occasions in writing. They have failed to provide me with anything bearing my signature. They sent me a statement/bill bearing an address that I have never lived. When they sold this debt to XXXX, I sent the identity theft documentation to all three credit bureaus and to XXXX directly. In a timely manner, XXXX immediately deleted the account from my reports as a collection. However, XXXX refuses to delete this charge off from my credit reports and is claiming this debt is valid despite having no proof of contract with my signature and despite the fact that they sold this debt to XXXX and no longer own this debt. They have claimed that my identity theft is invalid despite the documentation I have provided to them and that payments were made on this account but have provided no proof of any payment bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REFUSES TO REMOVE XXXX old outdated collection accounts. Date of first DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX {$1300.00} XX/XX/2016 and XX/XX/2016 {$780.00} XXXX and XX/XX/2016 {$410.00} XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681b ( a ) ( 2 ) I have given Transunion specific written instructions via certified mail for my consumer report. As I stated in my letter, this is not a dispute, but a demand. XXXX is in violation of my rights as a federally protected consumer. 

My federally protected consumer rights have been violated pursuant to : 15 USC 1681b ( a ) ( 2 ) - States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ). States I have the right to privacy.

15 U.S. Code 1681e ( b ) Sates a consumer reporting agency shall follow reasonable procedures to assure 100 % accuracy of the information concerning the individual about whom the report relates.

1681C ( a ) ( 5 ) - States that no consumer reporting agency may make any consumer report containing any adverse information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1666 ( b ) - States a creditor may not treat a payment on a credit account under any open end consumer credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial protection Bureau, I am writing to file a formal complaint against Equifax for their continued failure to delete a fraudulent account from my consumer report ( credit report ). This account has been reported by Equifax for over a year, despite my repeated requests to have it removed. The account in question is from XXXXXXXX XXXX XXXXXXXX, with the account number # XXXX, Stated amount {$1000.00}. 

I have already submitted a FTC Identity Theft Report, which clearly documents that this account is fraudulent and should be deleted from my consumer report. However, Equifax has refused to take any action and has continued to report this account, which has damaged my credit score and made it difficult for me to obtain credit or loans. 

Equifax 's failure to delete this fraudulent account is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite having knowledge of the fraudulent nature of this account, Equifax has not done any due diligence to investigate the information they have reported, which is a further violation of the FCRA. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to hold Equifax accountable for their actions and ensure that they comply with the FCRA. I am also requesting that Equifax take immediate steps to remove the fraudulent account from my consumer report and provide me with a corrected copy of my report. 

In addition, I request that Equifax block any further attempts by the fraudulent party to create or use accounts in my name. This is necessary to protect my identity and prevent any further damage to my credit score. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from Experian saying my credit went down. Checked and it said I took out a loan from XXXX XXXX. for XXXX and was late paying. I never heard of XXXX I have no account with them and have never taking a loan with them. I contacted XXXX and they said they couldn't find any account I had with them, contact Experian.
Product: Checking or savings account

good day this complaint is about Navy Feb bank and their level of unprofessionalism. 
I got a call from the bank about a month ago talking A lady called and confirmed my information and simply told me it was a routine bank call. 
She asked if I referred any family members to the bank of which I replied to the affirmative. 
the next day, I tried logging into my account from my office laptop, all to no avail I called the bank at about noon and was told my account was closed indefinitely without explanation. 

This is not just illegal, it's outrightly wrong. I implore the bank to restore my savings, checking and 2 credit cards with immediate effect or will take this up with my lawyer XXXX
Product: Mortgage

CHASE mortgage offers all kinds of alert features, that can be sent to customers via phone email ; HOWEVER, they DO NOT offer customers the option to schedule alerts for payments for that are late, at least until after they can charge you a late fee ( i.e. after the grace period ). This of course would be easy to provide by writing a few lines of code. But no. Instead, they will only alert the account holder until AFTER they can charge a late fee. No other financial services company I use does not offer a pre-penalty alert feature. No one. Chase should be ashamed of this obvious tactic to fleece its customers of fees.
Product: Checking or savings account

I signed up for Bright Money. They asked me to enter my bank information, which I did and few days later, they took money out of my account for yearly subscription. 

When I tried to cancel the subscription which I didnt sign up for, they referred me back to the app and had me take out my bank account information. I asked the customer service and getting a possible refund and they sent me this link to get refund. 

XXXX XXXX XXXXXXXX This link does not work!!
Product: Debt collection

NCB XXXX placed this account on my credit report on or around XX/XX/2022. In XX/XX/2022 I contacted NCB and stated the issue related to this account and were advised to mailed all my supporting ( fraud ) documents in for review in which I did and all were received on XX/XX/2022. I have contacted NCB several times related to such, I am getting the run around ( advising me to call back on different days, speak with mgt, account on hold ). 

On XX/XX/2022 I called in at or around XXXX and a agent advised me a member of XXXX was not in and to call back within 30 minutes in which I did and spoke with a XXXX, he advised me an email was sent over to XXXX and to call back in 24hrs.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX, I made a deposit of {$15.00} at the drive-thru ATM of the Wells Fargo branch on XXXX XXXX XXXX in XXXX, GA, using the tap method. On Monday, XX/XX/XXXX, I checked my online transactions. Along with the ATM deposit that I made there was an ATM withdrawal for {$1000.00} made right after the deposit. I did not make the {$1000.00} withdrawal. I contacted Wells Fargo Corporate to file a claim. The claim number is XXXX. At that time, I also had them suspend my debit card and mail me a new one. Thursday, XX/XX/XXXX, I called to get a status on my claim. I was told that the claim was denied. I was not told why, but it was suggested that I file a police report. I filed the police report that day. I was also notified by mail a couple of weeks later that Wells Fargo denied the claim. I made contact via phone with Wells Fargo two additional times, to get an explanation and to urge them to look at the ATM video footage. The letters from Wells Fargo state that my claim was denied because the chip in my card was used for the withdrawal in question. My contention is that I neither requested a withdrawal of {$1000.00} nor did I receive {$1000.00}. I feel that the footage will show that I was not the person that made the withdrawal. Both times they denied the claim ( without viewing the footage ). I was notified by letter of the denial. The letter stated that they would only release surveillance records if there was a subpoena or court order. I provided the police with the necessary information to secure the subpoena on XX/XX/XXXX. On XX/XX/XXXX, I was told by the detective that he still had not received the surveillance footage from Wells Fargo.
Product: Debt collection

This company is reporting an account that was opened under identity theft. I do not have a XXXX phone plan period.
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: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/2020 and XX/XX/2020 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunions job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 


XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nation Star refuses to update on all XXXX credit bureaus. Since XXXX they have not properly reported our on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest XXXX XXXX account number XXXX was paid off on XX/XX/2022. 
Three times payments on XX/XX/2022 for pay off. 

Payment confirmation numbers XXXX, XXXX and XXXX. ( see attached files ) Everything paid off, bridgecrest should update Paid off information to credit bureaus and should delivered title to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I tried to contact to Bridgecrest but they dont pick up phone call. 


XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I requested a copy of my credit reports from all three credit bureaus by mail. I included my ID, social security card and a recent bill/statement. I did not receive a copy of my credit reports, so I requested them again around XX/XX/XXXX. I ended up pulling a report online from a credit monitoring service and I found some inaccurate information regarding late payments. I sent a dispute in to the credit bureaus via certified mail this time and each bureau received my dispute by XX/XX/XXXX. As of today I have only received one credit report from XXXX dated XX/XX/XXXX ( just my credit report not a response to my dispute ) and I received a notice from TransUnion saying they did not want to send me my credit report ( they did not mention anything about my dispute ) and a notice from XXXX  saying they could not find my credit file. I have not had any changes made to my credit reports and I have not received a response back from any of the credit bureaus regarding the inaccurate payment history. At this point I feel like the credit bureaus are not doing their job and I am not sure why I can not receive a response about a simple dispute. It has been well over 60 days and I am pretty sure the credit bureaus are supposed to respond by law within 30 days.
Product: Credit reporting or other personal consumer reports

I have the Equifax XXXX XXXX app. I have had this for several years and it is a paid subscription. For the past few weeks I have been unable to unlock my credit report. I've called Equifax numerous times to correct this issue to no avail. My issue has been escalated several times and the issue has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts ASAP.
Product: Mortgage

freedom mortgage has been my finance since XXXX i was tax exempt then 100 % va XXXX. in XXXX i refi mortage XXXX 3.5 % XXXX yr fixed rate. in the years following they steadly raise my payment each year. as they pay for insur/tax. in escow. i had woodland mutual insurance the whole time up till XXXX was in wash state for 6 month helping fellow vet./ i came back in XX/XX/XXXX and care taker didnt keep up yard and house.so i have been here ever since.XXXX XXXX i refiled my exemption, XXXX/v.a/and freedom mortgage. never heard a word or letter or call on exemption.all the while mortgage was collecting escrow for ins./taxes.for all of XXXX for XXXX per year and never sending escrow back.still no reply and call from me in XXXX about it. nothing since. 
little info on another part to this for 2 years freedom has been calling to refi [ cause interest rate has climbed ] every time i say no stop calling im staying at 3.5 % XXXX different mort.would call from other freedoms offices. no ] well freedom is loosing badly with me being at rate in am. so i get a notice that my home owners insur is denying coverage for XXXX may.i get letter from freedom they are going to put a policy XXXX more expensive on me. to try and force me to refi my mort. 
i called atkin insur in atkin minn [ security state ] and thwy were told my freedom that the house was UNISURABLE and to cancel it. funny how the house was insured for 8 years with no problem and all of a sudden it's not any more. to add freedom has been holding years of escrow!!!! i will send all documents to cfpb when reqeusted
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and at this time, I will also inform you that XXXX XXXX offices have reported invalidated information to all 3 of the major CRA 's ( Experian, XXXX or XXXX ). XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. XXXX XXXX and their inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote to XXXX XXXX via certified mail on XX/XX/XXXX, requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote to XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them either. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation letter that XXXX XXXX ignored. Along with a copy of the email I send to the XXXX XXXX CFO 's that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! I want XXXX XXXX to stop violating my rights and remove the item from my consumer report. By law the CRA's/ creditors etc has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore Experian Information Solutions Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by law shall remove the item from my consumer report. There is a laundry list of damages caused upon me from XXXX XXXX & the CRA 's!. 
If any debt collectors, creditors are not able to provide the proper documentation as requested in a Declaration, all collection activity shall CEASE and Desist. 
Overall XXXX XXXX office fails to respond to the validation request within 30 days from the date of my receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit card

I am writing to file a formal complaint against Comenity Capital Bank regarding my XXXX XXXX  Rewards Credit Card account ( account ending in XXXX ). 

I received a letter from Comenity Capital Bank stating that they had closed my account after an investigation into a fraud claim I filed. They concluded that there was no basis to support my claim, and as a result, the account was permanently closed. Despite this, Comenity is now holding me responsible for a balance of {$290.00}, which I strongly dispute. 

I believe the closure of my account was unjustified, and I should not be held accountable for any balance, as I had reported the account under the assumption that fraudulent activity had occurred. Comenity failed to provide sufficient reasoning for closing my account and has placed an unfair financial burden on me by requiring that I pay a balance that I should not owe. 

I am seeking the CFPBs assistance to : 1. Investigate the practices and handling of this issue by Comenity Capital Bank.

2. Ensure that I am not held responsible for this unjustified balance.

3. Request that any negative impact on my credit report resulting from this balance and account closure be reversed.