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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I opened a Found business checking account to manage my funds from my business. At the time of opening the account, I was not required to have a EIN for my business. The Found app stated that I could receive payments by invoices, XXXX, XXXX, XXXX XXXX or by cash. The age range for the majority of my customers is between XXXX XXXX XXXX  years old so they typically pay me with either cash or XXXX XXXX I have accepted payments this way for nearly two years that I've had the account. Then on XX/XX/XXXX  my account was frozen with a message that stated it was frozen due to unusual activity. I don't understand why my account was frozen when ive been doing the same type of transactions that i have been doing in the 2 years that the account has been open. I reached out to the Found app customer service to address the issue. I have received numerous emails from different employees that asked me to explain the nature of my business, which I did. I was then asked to provide documentation for a transaction, which I did. I was then asked to provide my EIN number. I stated to them that I don't have XXXX and that as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I'm not required to have one. I also stated that it wasn't a requirement when opening the account. After all that my account is still frozen and they refuse to give me a phone call to work on a solution.
Product: Credit reporting or other personal consumer reports

I have disputed several inaccurate items through Experian which have come back verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on several occasions to get the problems resolved that are reporting on my Credit Report! Someone opened several accounts in my name as I was in XXXX and had no idea these accounts were open. Most of the accounts have been taken off my report however there are still a few that are impacting my score! This is awful again because these are not my accounts and I have even submitted an identity theft report! Please remove these accounts off my report because they do not belong to me and I have no knowledge of these accounts! Please help me to move on past this awful situation! The accounts that are still reporting are XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help to remove these untrue accounts on my report!
Product: Credit reporting or other personal consumer reports

This complaint has been filed with the Consumer Financial Protection Bureau ( CFPB ) to request that TransUnion, XXXX and XXXX the credit reporting agency, block fraudulent information from my credit report as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. The fraudulent items in question include a personal credit card account opened with XXXX XXXX  opened XX/XX/XXXX, an auto loan account opened with XXXX XXXX  on XX/XX/XXXX, An Auto loan account opened with XXXXXXXX XXXX XXXXXX/XX/XXXX, and a Credit card account with XXXX XXXXXX/XX/XXXX, related to the aforementioned loan. These fraudulent accounts have caused multiple hard inquiries and collections to appear on my credit report. I do not recognize any of these accounts, collections, or inquiries, as they were not opened or authorized by me. All of these entries are the result of identity theft and fraud. Attached are copies of the hard inquiries, my FICO credit report showing the fraudulent items, and the FTC Identity Theft Criminal Complaint, which verifies that these actions are a result of identity theft and fraud.
Product: Checking or savings account

Tried to open a checking account online with UMB. Was told I would be contacted in a few days but have received no letter, no call, no correspondence. Just found out they denied my account. No information as to why!
Product: Debt collection

I filed a complaint against Midland Funding/ XXXX Midland Credit Management with your agency on XXXX/XXXX/2015. Case number XXXX. Since I have filed the complaint and Midland has received your letter, they have now retaliated against me, by re-reporting the information on my Equifax report under the name MidlandMCM with no original creditor information and aXXXX days late since XXXX 2015. This just showed up today, I know this is the same company, because it is the same account number. Please help any way you can
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported to be removed.

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

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

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

As seen in the attachments I have emailed since XX/XX/XXXX or earlier, walked into the office several times before that, and called the collectors and IL offices more times than I can count in the past year or more! I have no clue about the XXXX usage, let alone any ongoing overpayment. Even up until XXXX you guys say I've been using link I HAVE PROVEN DENIAL LETTERS From XXXX to XXXX.I 've asked for proof of pin, some kind of dates vs payout vs my paycheck to atleast understand the amount owed. When I was in school I tried to get it & was denied, XXXX in XXXX I was under my grandma 's info/a minor XXXX XXXX XXXX and my benefits & I wasn't even close to working full-time plus I was in school! XXXX applied 3 times!! Denied and I faxed the letters as asked! Wasn't approved until I moved in XX/XX/XXXX ONLY FOR HEALTH CARE but declined myself because I moved BACK TO GA after XXXX let us all go due to bankruptcy. I have reached out over 89 times these emails aren't even a fraction of phone calls and letters ( I should had copied before I sent )! Every one says I Have the wrong department NO ONE HAS GIVEN ME CLEAR PROOF or attempted to help me understand. I was told if i thought it was fraud to report it, then the department told me you can't sue a deceased person because I'm sure you are just trying to get from me what my grandma or that address may owe. So I set up a freeze and fraud alert which to this day is in effect. I have been more than cooperative and you can clearly see how I was ignored and just brushed off due to assumptions! I have been denied credit cards, car loans, etc since this has hit my credit and since I've had to keep this freeze on my account until this issue was resolved. YOU XXXX act like I'm not trying I just want to understand I truly do not get this amount or where this came from!! You have logs of denied applications. Please just remove it. Idc about compensation just remove the XXXX made up XXXX   uncle Sam debt!!!
Product: Debt collection

I received 3 letters from XXXX Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). 

Soon after receiving this information I submitted Dispute Letters to ( XXXX, XXXX, & Experian ) with the above derogatory account information on it that was given to me from XXXX. 

I received a response from XXXX dated XX/XX/XXXX ( less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. 

I submitted another Dispute Letter only to receive a XXXX response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to XXXX , our records show that the information you disputed does not currently appear on your XXXX credit report. 

The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from XXXX credit monitoring. 

I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now XXXX dropped another 7 points! I work very hard to get where I am at. 

So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which XXXX and XXXX now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : XXXX, XXXX and Experian each received a letter from me disputing this account and asking for validation.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently checked my credit report and Ive noticed my rights are being violated. Ive disputed with the company the have still yet to removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Ive disputed with creditors with reference of the laws and rights theyve broken. 15 USC 1681a* ( 2 ) * ( B ) & 15 USC 1602
Product: Debt collection

XXXX XXXX. Received a call from a representative from Commonwealth Financial stating I owed  a medical debt and if I did not pay he would forward the debt to my credit report. I ask what debt as I had medical insurance and did not owe anyone. he said dont worry about it, you will see it on your credit report. 
XXXX XXXX pulled my annual credit report, Commonwealth reported {$230.00} debt to all three credit bureaus. XXXX XXXX XXXX, I responded to Commonwealth Financial with a registered letter asking for validation on debt. Did not receive validation within 30 days per federal guidelines and false debt still listed on all three credit report. ( XXXX XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not working during XX/XX/XXXX until end of year. I didnt receive unemployment. I never received information about my student loan payment being due. My Navient student loan went into 90 days past due. Per the government, government owned student loans were suppose to automatically been Suspended from XX/XX/XXXX until XX/XX/XXXX. I was recently already in forbearance but navient put be past due when payments where supposed to been suspended. My XXXX XXXX student loans were suspended during this time period. Why was I charged and put into default ( late ) when the government postponed payments during this time! Even though my loan was in forbearance it didnt automatically go into administrative Forbearance that is mentioned on Navient website.
Product: Checking or savings account

XXXX issues with Chase Bank ! Bank freeze my account! I stop on check chase put 8 day hold on it! Chase Bank hold account bank no money or debit! Call chase bank number provided text message! Chase Bank permissions call other bank while phone! I told no felt violation of privacy & banking! Chase Bank account frozen access anyway even before call chase bank stated no! I havent my money or any direct since XX/XX/XXXX. I have gone in person XXXX twice this XX/XX/XXXX & XX/XX/XXXX XXXX chase bank in XXXX XXXX! I cant truth on phone or in person about access money & direct deposit! XXXX denied received direct deposit! I had evidence from Both employer! I able recover XXXX XXXX recovers sent message secure banking show up after 2 days! Now took today after left chase Bank in person in XXXX positive balance! XXXX gone bounce check fee only one stop payment! Never had to money XXXX had been hold! Never take money out atm since bank chase! Track money in account! I didnt owe chase any money double bounce check fee! Chase Bank of phone XXXX close & receive daily statement account was positive XXXX XXXX XXXX XXXX/XXXX/XXXX! I am direct deposit Chase bank on phone XXXX customer service XXXX XXXX pending chase rejected closed my account yet! In person same direct showing up! XXXX sent back employer on XXXX  which proof going chase bank! Also XXXX cent another employer XX/XX/XXXX XXXX! I have proof employer payroll statement from employer money sent chase bank! Contact employer hasnt received back from chase bank! Account closed after left chase bank XXXXXXXX XXXX Chase Bank awful customer service easily deceive customer telling truth on voice recording on there part! Chase Bank deceived banking practices. Definitely take advantage of customer.
Product: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from Equifax and A Hospital therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, 2022, I consumer XXXX XXXX contacted LEXIS NEXIS to request a copy of my consumer report. LEXIS NEXIS requested that I provided them with a copy of my drivers license to identify me, which I did. LEXIS NEXIS sent me a letter stating they are unable to identify me, although I submitted proof of my identity. I have requested my report on numerous occasions and LEXIS NEXIS is failing to provide me with my report.
Product: Mortgage

I had homesite home owners ins. It was {$2000.00} a year. I had my mortgage company pay my taxes and insurance through an escrow account. I paid {$1500.00} as a fixed price. My taxes have NOT gone up. My PMI has NOT gone up. I changed my insurance company to liberty mutual. My new yearly price is {$1000.00}. When I notified Bogman Inc. of the change, my new monthly payment only went Down {$10.00}. I have called the company 4 times. First speaking to " XXXX '' whom did not help me, then to her manager " XXXX XXXX ''. Who is telling me they have only been paying {$1000.00} a year for my previous years insurance, which is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I. Have never lived in XXXX Idaho, never bought a house in XXXX Idaho. This address is n't mine and it has taken my credit score down XXXX points!! Please delete the incorrect information off my credit reports and restore my credit score back to XXXX.
Product: Checking or savings account

Closed my account and won't give me my {$1300.00} in it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account GM FINANCIAL XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GM FINANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma is reporting inaccurate information relating to amount of credit card " tradelines '' & hard inquiries from XXXX XXXX XXXX - There are 16 reported hard inquiries from XXXX & 22 hard inquiries from XXXX- They are also reporting inaccurately {$390.00} as an outstanding balance with XXXX XXXX which was for a cellphone that is in dispute with the credit card company as it is easily purchaseable for less than {$100.00} on XXXX by purchasing wholesale My rights are being trampled all over by this company & it's excuses as " it's not their problem ''
Product: Debt collection

I received phone call at my work phone number from Associated Credit Services phone # XXXX trying to collect debt owed to XXXX XXXX. I received this phone call while I was in meeting with my XXXX XXXX and my co-employees heard everything that was said on the phone by the debt collector. First of all this is not my debt and this company simply XXXX  the name and called me at my work phone number. I was embarrassed by the phone call and I hung up. I returned the phone call later and spoke to XXXX XXXX at Associated credit services who asked me to verify date of birth and mailing address after verification I was told that you are not the person that we are looking for. My issue is that this debt collection agency called me at my work to collect debt that was not mine. Associated collection services Inc 's collection practice should be examined, because I was harrassed and embarrassed in front of my colleagues for debt that was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always made on time payments until my step dad died from XXXX  related illness and I ended up catching XXXX  as well. Previously I would make multiple payments a month- even to principle before the pandemic hit hard I am very strategic about my credit. I also always call if I am having any hardship and keep open communication with my creditors. I ended up getting very sick and having to miss time from work. At this time I called around XXXX  payment and inquired on an extension. I was told they would send my request to a supervisor. I got so sick I absolutely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To this day I have not fully recovered. I called back in, around XXXX  as I never received any confirmation online of my new due date. A rep told me I could not get an extension I remember telling them I spoke to someone who said I basically had gotten one. They said something about no recording being on file. I was upset and felt very confused but didn't feel well enough to escalate it. I made a XXXX payment more then my normal payment of XXXX which- I always pay more then my payment due. How unfairly I was treated because of a agents mistake or miscommunication caused me to call again about the extension later on. I mentioned how I was supposed to have an extension and requested another extension to catch up as i was under the impression in XXXX  that for XXXX I was given a month extension, as I remember being asked about my ability to back back and them sending the request. Difference is This time We did the recording right then and there and I made sure I was no longer considered behind. I recently looked at my credit with all 3 reporting agencies To my surprise I was reported for 3 missed payments which is not correct and during all these different pandemics the last thing i need is my credit to be impacted especially due to agent error and miscommunication. I have called and asked to speak to someone about removing the late payments as i never had one before this error and asked if in good will they would remove it I was told to dispute i disputed and it was updated from 3 missed payments to 4!!!! I could not get any humanity or fair treatment about this matter, I was misinformed from the beginning and this has been added stress  to my mental heath. Please remove the late payments as I made every payment before my due date or not exceeding 24 hrs of the due date, every month within the time period in question of XXXX XXXX  of XXXX  excluding XXXX XXXX XXXX as I believed I had a one month extension/deferment. It is not fair for me to be held responsible for a agent error all the late payment remarks including XXXX  should be removed. Here is only one of the many screen shots I have Im hoping we can get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and  XXXX  are reporting incorrect information concerning a car loan that I have with Hyundai finance. Each credit bureaus are reporting that I have mis sed 6 payment s and I have confirmed with the financial institution that I have only missed  2 p ayments which is correct. But both credit agencies are reporting different. I have disputed this account with both agencies with no changes.
Product: Credit reporting or other personal consumer reports

I discovered that there is a security freeze on my credit file while looking through it.
Product: Checking or savings account

Good day, I need to reopen my claim number XXXX. I never received the funds payment. The check was never received. 

I have since moved to a new address so please reissue the check to the new address below. I have attached a copy of my electric utility bill showing proof of my address. Please send it via trackable mail service. 

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

My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with XXXX XXXX  XXXXXXXX XXXX, Portfolio Recovery. I never charged anything on those accounts. I would like them removed and my birthdate corrected.
Product: Debt collection

An new account tagged student loan from an entity address XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX was added to my XXXX XX/XX/2023. Three letters, sent to my address from this company were returned, with barcode crossed out, and phrasewrong person, which it took a picture and have record of. I had record of this account on my XXXX, XXXX, and XXXX prior to XX/XX/2023 and received no notification of this account being added until it randomly showed up on my XXXX.
Product: Debt collection

On XX/XX/2022, I canceled my flight with Frontier Airlines, but they did not refund me as requested. They issued a travel credit which I have advised several times I do not want. They have failed to respond to any and all requests made as well as previous affidavits. This is my final attempt to resolve this matter before taking legal action. I have attached a notice of default and an affidavit for review. Reservation numbers are XXXX AND XXXX