23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Employers : XXXX XXXX XXXX
Product: Mortgage

We were gravely impacted by hurricane Harvey that hit XXXX. On XX/XX/XXXX, the first floor of our home was completely lost resulting in the policy limit amount being paid to our mortgage company, Pacific Union Financial in XX/XX/XXXX. Our family was forced to cash out all retirement accounts and savings in order to begin construction on our home and prevent further damage in the amount of {$21000.00}. We did not receive a building payment from Pacific Union to repair our home until XX/XX/XXXX in the amount of {$49000.00}. Following this payment, and in the process of attempting to secure another payment to complete construction of the property, Pacific Union transferred our loan and I was informed by the XXXX XXXX  ( Loss Draft Associate ) that I would no longer be able to continue progress on my home until I could contact the new mortgage company and my escrow account could be moved. We have now been living in a hotel for close to six months and this company has postponed, delayed, and impede every attempt our family has tried to make in recovering from the hurricane damage.
Product: Mortgage

In XX/XX/XXXX I went into a mortgage forbearance with Rushmore Mortgage due to work loss as aXX/XX/XXXXduring the XXXX XXXX Pandemic. Off and on at work I was made to stay home for for 10 day periods when exposed to XX/XX/XXXX or XX/XX/XXXX I was not in arrears when the covid forbearance started, I had no late payments.. At the end of the forbearance, after the loan modification and loan transfer to another company, I noticed one month of the actual forbearance was marked as late. On the same credit report the 3 months when I was making 3 test payments ( required, before they would to the loan modification ) were also marked late. On another credit report XXXX days was late also, one month of the 6 month forbearance and the 3 months of test payments. There was even a place that said 180 days late. No where in the original forbearance did it say I would be reported as late while following the rules for the forbearance. The test payments required were never mentioned as part of the forbearance but I was not given an option. The test payments were interestingly just slightly higher than the mortgage payment in the loan modification - but they were held not applied as a payment but those months listed as late pays. 
The late payments of course, affected negatively on my otherwise " no late payment '' credit report. I was just closing on a refi, after being out of the forbearance longer 3 months, when the new mortgage company saw the negatives on the last pulled credit report. The new mortgage company tried to help resolve it with Rushmore, since they saw I followed the rules to the T and had good credit in the past. Rushmore has yet to respond to the last dispute I sent XX/XX/XXXX. The new Mortgage company XXXXXX/XX/XXXXXXXX were quite shocked with the lack of customer care. Phone calls, and I made dozens never resolve or answer these isuues. I also lost XXXX appraisal fee thanks to this negative report. 
XXXX XXXX has been difficult for everyone, and in healthcare, besides the obvious risks, it often caused staff to lose work until they tested negative a few times after exposure, causing work loss. I felt like the covid forbearance would give me the time to get XX/XX/XXXXand catch up /keep up on my mortgage without negatives. Sad to see a company seemingly finding a way to punish someone who trusted them to do what the CARES act was trying to do, help people get on their feet again.
Product: Credit reporting or other personal consumer reports

I have contacted Marcus Goldman Sachs in regards to a account that was opened under my name with their company. I have provided multiple documents in regards to this issue. INCLUDING a police report from XXXX, that I have went out of my way to receive again, from when my vehicle was broken into in the city of XXXX and not only were my personal items stolen but my my XXXX wallet including all of my personal information were stolen as well. This incident has been documented with the XXXX police department and even my auto Insurance.

I have provided documentation of that incident and also documentation of a recent police report filed once I became aware of closed fraudulent account reporting on my credit profile.

Marcus Goldman Sachs has not only failed to keep me updated on the status of the cases I have put in with in regards to this horrible situation but also have handled this situation carelessly. After all the governmental documentation sent over to help with this fraud and identity theft committed against me when my information and items were stolen in XXXX  they have still neglected to remove me from connection to this account. 
They have failed to communicate with me properly or even provide evidence of there validation making me liable for this fraudulent account. 
The way this has been handle is very unjust, I feel discriminated against. I feel defamation of character.

According to the fair credit reporting act when a consumer reporting agency prepares a Consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I am a victim of identity theft and I never opened this account under account number # XXXX You are now in violation of FCRA code 605B stating to Block of information resulting from identity theft [ 15 U.S.C. 1681c-21 ( a ) Block. 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 identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- appropriate proof of the identity of the consumer.

a copy of an identity theft report.

the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Bank account or service

On XXXX XXXX, a man walked into a TD Bank branch in XXXX and withdrew {$900.00} from my checking account. He presented ID that somehow duped the teller into giving him my money, even though there were enough inconsistencies to warrant a closer look at the identification provided. Thus far the bank has refused to promptly return my money until they conclude their investigation. Since the transaction was not " electronic '' I informed the bank supervisor that TD Bank had no right to hold my money for the usual ten business days to resolved the matter. In response I was told they had to hold on to my money just in case I was the criminal who stole the {$900.00}.
Product: Student loan

On XX/XX/2018, my automated payment of {$220.00} was inappropriately allocated toward only two ( 2 ) of my seven ( 7   ) total Federal loans. {$92.00} was allocated toward loan # 2  ; {$130.00} was allocated toward loan # 4 ; No payment was allocated to the remaining 5 loans ( {$0.00} ). I did not request that payment be allocated differently, the Servicer simply misallocated the funds.
Product: Money transfer, virtual currency, or money service

I transferred XXXX from my XXXX XXXX account to XXXX XXXX Bank to invest in XXXX in XXXX of 2024. Come to find out it was scammers who stole the money from me and they were using XXXX XXXX and XXXX XXXX to do their business. Im trying to find an Attorney to help me with a class action against XXXX XXXX and XXXX XXXX. Im trying to get my money back. XXXX XXXX refuses to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to update any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the updating of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Open Date XX/XX/XXXX XXXX : {$0.00}
Product: Checking or savings account

I am filing a complaint against SANTANDER BANK, due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, SANTANDER BANK failed to take timely and effective measures to prevent and address fraud on their platform, causing me financial harm economical despair and financial hardship : leaving my account vulnerable and unprotected furthermore closing my account and blocking me from continued use of the platform and its banking services while keeping and or various amounts of transactions. Their dispute resolution process was unfair and offered limited to no customer support which is deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E!. These actions have caused significant Financial harm, Commercial Liability, Unrepairable Time Lose Theft of Banking Instruments Appropriated and addressed to me ; and the ability to work with other Financial Institution 's has been limited and or cut off causing irreparable damage and deprivation of Character in its Commercial Compacity!. Furthermore not providing me as a small business owner to utilize all of the banking products that are currently offered to CAUCASION persons in its Compacity Denying me on basis of my XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Attaining to Inconvenience and sever Financial loss, and I seek immediate and appropriate redress for these violations Without Prejudice!.
Product: Consumer Loan

Westlake Financial has taken it upon themselves to start charging their customers {$5.00} to pay their bills with a debit or atm card. It is free to using a checking account but not everyone has a checking account and after reading about the recent government action against them from the CFPB I am not comfortable giving them my checking account information. it is also not right to charge your customers to pay their bills. XXXX, XXXX, XXXX, my apartment rental company does not charge me to go on their website and pay my bills. The company is offsetting the government action against them by making the consumer pay a fee to use their website to make, for me an auto loan payment. Westlake needs to remove the {$5.00} fee and allow their customers to pay their bills free of charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor: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, credit repair services, or other personal consumer reports

XXXX and Experian both refuse to remove a bankruptcies that they claimed were verified through a 3rd party, XXXX. Since then, the bankruptcy has been removed from XXXX, admitting lack of verification on their end. Also, reports have been frozen in order to protect my scores during the repair process. They refuse to remove the bankruptcies and have failed to verify the exact process for their verification. Experian removed the bankruptcies after the first round of disputing.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to receive information for the things reported on my credit report and they have not provided proof that I owe the debt
Product: Credit reporting

I have contacted the creditor called XXXX directly and they submitted completely erroneous information and TransUnion is non responsive. The original creditor has advised me they are at fault but have no direct method of letting TransUnion know of the error. That I have to submit this information to dispute the information is not ethical there should be more transparent avenues for creditors to let TransUnion know that it must be corrected. That I must dispute this and then wait for an incredibly long time for it to be resolved creates liability issues since my other creditors could react negatively to the incorrect information. I have attached the account information in the attached document.
Product: Debt collection

According to I.Q. DATA INTERNATIONAL INC. the debt is for {$1200.00} fee was included in. The date is for XXXX. I had a lease with XXXX XXXX XXXX. I reached out to XXXX XXXX of the apartment. He was supposed to get back with me to tell me the adjusted amount. Last weekend of XX/XX/XXXX, I moved out. I went back to finish cleaning I noticed an eviction notice on the door with false amount. In XX/XX/XXXX, he told me he would reply to me once the amount has been adjusted. I never heard back from him. Instead I received some harassment calls from XXXX to request a payment. I had blocked the number. I also received a mail from the debt collection. Please read below the emails between me and the manager Your account is closed XXXX XXXX. No additional fees are going to be added. Please be patient as we fix your ledger. We had to put a ticket in to resolve the issue. You will be notified once your ledger is corrected. 

Get XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX Good morning As of this morning, I have not seen any update on it yet. Today is the last day to avoid any fee. I can't afford any more fees. 
Thank you From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX Hello XXXX XXXX, We are working on adjusting your ledger. I will email you back once it's completed. 
From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject : XXXX Good afternoon I attempted to get in touch with you over the phone when I called the first week of XXXX. However, I was transferred to a lady I think it was XXXX if not mistaken. I know according to my note my last day was going to be on XX/XX/XXXX. I spoke to a lady that week and told me I could come in Friday XX/XX/XXXX. It was raining I could not come. I came in that Saturday. After clarification, the ladies allowed me to go in. I went in I saw a bill for over {$1200.00} attached to my apartment on the inside and it was an eviction notice. I had already moved out that weekend prior. One of the main reasons I could not stay in that address is because I have some stalkers for the well being of my daughter and I had to. I am willing to pay my balance and you can keep my deposit if you have to. I need the balance to reflect my last day of moving out please. If possible, is there a way you can take one of the late fees? My income has not changed and I would appreciate everything.

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

There was a credit card opened fraudulently in my name through XXXX and sold to XXXX XXXX XXXX. I have never had knowledge of this account but it is reporting incorrectly on my credit report and I have he right to have an accurate credit report. I demand this be removed immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple complaints to XXXX, XXXX, and Transunion. They have not completed an investigation. I have addresses that I have never lived at and accounts that are erroneous. I am hoping with the help of CFPB that my investigation will actually happen. Please see my letters with 3-bureau tables showing all of the discrepancies in my credit report.
Product: Checking or savings account

I hope this message finds you well. I am writing to urgently address a significant issue I've been experiencing with my Chase Business account, which was unexpectedly closed on XX/XX/year>. The closure was purportedly due to funds received from a trusted business associate, which were later reversed, leaving a balance of {$25000.00} in my account. 

Despite assurances that a check would be mailed to me for the remaining balance, I have not received anything after nearly a month of waiting. Upon contacting customer service, I was informed that the funds can not be released until I provide proof that the funds in question were legitimately intended for my account. 

The Chase Fraud team has requested the phone number of the business associate who sent the funds so they can verify his authorization. However, all attempts to provide valid contact numbers associated with him and his business have been rejected by Chase, stating they are not registered to him. This has created an unreasonable delay in releasing my rightfully owned funds.

Furthermore, the related company, owned by a close friend of minewas also involved in this transaction. Despite having multiple business accounts with Chase under the same company name, funds from both accounts have been inexplicably tied up, impacting both our financial operations significantly.

I am deeply troubled by this situation as it has caused significant financial strain, preventing me from meeting essential business obligations such as unpaid bills and invoices. The lack of clarity and consistent denial of valid information is exacerbating the issue unnecessarily. 

I kindly request your immediate intervention to resolve this matter swiftly. I am prepared to provide any necessary documentation or facilitate direct communication with my business associate to verify the legitimacy of the funds and facilitate a resolution. 

Your prompt attention to this urgent matter is crucial. Please advise on the next steps to ensure the swift release of the remaining funds and closure of this distressing episode.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX charges excessive interest fees. I paid an interest fee of XXXX dollars for a purchase as a late fee in XXXX. I had no balance and made no purchases to the month of XXXX. I was charged XXXX for an interest charge on no purchase and no balance. When I called customer service I was told that the interest charge was for the past month as the interest was calculated from the last month. I did not really know what this meant. This makes no sense and the billing makes no sense. I have several charge accounts and have never heard of anything like this. It seems like a gimmick to collect extra money for nothing. I spoke to customer service and the rep tried to explain the charge to me. It still make no sense. The interest charges are calculated to be paid twice as I understand it. Nonsensical again. It is not the amount that matters but this policy is clearly fraud. You ca n't charge interest twice as this store is doing. I had no purchase and no balance.
Product: Debt collection

I reached out by mail and they passed the 30 deadline to reply and they didn't provide any proof of the debt per my first letter. I emailed them and heard nothing back. So I'm reaching out to you to see what can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX / XXXX, has violated my rights. 
XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Payday loan, title loan, or personal loan

XXXX submitted a duplicate payment For one order that was {$280.00}. The purchase details shows {$250.00} due to a return on the order of {$280.00}. I signed one loan disclosure. The loan disclosure shows {$330.00} after interest is to my purchase of $ XXXXTwo installment plans were placed on my affirm account from XXXX. I was charged twice and double the amount. I contacted XXXX told them about the mistake. I was told the error would be corrected but the double charge was submitted to affirm anyway. Affirm set up a monthly installment for two accounts when there was to be only one purchase!