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. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$650.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$390.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$420.00} XXXX XXXX  XXXX Balance Owed : {$430.00} DEPTEDXXXX XXXX Balance Owed : {$1500.00} DEPTEDXXXX XXXX Balance Owed : {$670.00} DEPTEDXXXX XXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$3600.00} DEPTEDXXXX XXXX Balance Owed : {$6500.00} DEPTEDXXXX XXXX Balance Owed : {$4600.00}
Product: Credit card

Comenity manages card accounts for Express, Ann Taylor, XXXX and Ulta where I sometimes shop. In all cases, except for Express, I stopped using the card due to endless problems with wrong balances, inconsistencies and accessing portals etc to make a payment. I have not had a bill by email or mail since XXXX XXXX 

XXXX  Tried to make a store purchase in XXXXXXXX XXXX was told problem with account, Went online to see the balance of XXXX accrued late fees of XXXXXXXX XXXX XXXXXXXX {$90.00} Sent an email-had a generic response back with no ability to discuss or make sense of balance and charges or if they were made by me? 

XXXX Unable to get through by phone to discuss this, told lines having problems. 

XX/XX/XXXX Finally received a correspondence from Comenity saying my credit limit for Express and AnnTaylor was lowered. 

XXXX  Credit bureaus lowered my score significantly Their phone lines are not working
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   says I was 30 days late in   XXXX   2017. Please see attached payment history ( specific to account ending in  XXXX  ) from  XXXX  2017 to present showing on-time monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I created a payroll on square team app. Square then decided to close my account when I attempted to pay my employees. They left my employees mad and upset and refuse to release over XXXX XXXX in funds. That is highly illegal.
Product: Checking or savings account

I have submitted a dispute for a large amount ( multiple transactions ) of fraud/unauthorized international transaction that happened on XX/XX/XXXX. 
It has been well over 10 business days ( nearly 3weeks ) and no provisional credit has been given nor any updates.

I have called everyday since the 10 business day point. Sometimes no answers, sometimes just hung up on me. 

The latest update I got was for today ( XX/XX/year> ) that they are working on it but representative names XXXX XXXX told me that even though they are still investigating and will take over 30-60days, she confirmed that they will not provide any provisional credit.

Not providing the provisional credit at this point when the time has significantly passed is a clear violation/breach of the consumer contract.

I can wait until the investigation to complete, but I will need to have the proper provisional credit within 48 hours of this letter- Since the time has passed already.
Product: Mortgage

In XX/XX/XXXX we received a notice in the mail stating that our monthly payments would increase by {$480.00} due to a deficit in our escrow account balance. Because no increases had been made to our taxes and our loan is 3 years old, I pulled up our escrow account activity to see what was going on. 

In reviewing our escrow account activity, I identified two identical payments of {$2700.00} ( total amount {$5500.00} ) made one week apart in XX/XX/XXXX. These amounts do not coincide with any tax bills ( County, Township or School ). I called all three offices to inquire about these payments. No one has any record of receiving these payments or a refund being sent out ; nor do they match any tax bills. In fact our taxes had been paid in XX/XX/XXXX prior to these XX/XX/XXXX payments. I originally spoke with someone from Flagstar back in XX/XX/XXXX ( and even put additional funds into our escrow account in XX/XX/XXXX ) while they figured out where those payments went and returned them to our escrow account. 

I have continued to call and email since the beginning of the year and have not gotten any answers. As of today, we were told that they can not identify where these funds went. With computerization where it is today, there is no valid reason that Flagstar should not be able to track these payments and get them placed back in our account. With children in college, an additional monthly payment is a hardship for us. 

At this point our escrow account is at a deficit of {$5200.00} ( almost identical to the double payments made in XX/XX/XXXX ).
Product: Mortgage

I purchased my home XX/XX/XXXX and financed through XXXX XXXX  with a conventional loan. 30 yr fixed loan with 2.75 interest rate. Over the last yr they have been converted to Truist Bank. In XX/XX/XXXX I called in to get some advice and assistance with my mortgage payments because I was behind 2 payments around XXXX and had heard about banks helping with covid relief. I explain that my husband and I where still working however my husband was working more hours and making less money and where having a hardship. We had all our XXXX children living with us at the time. XXXX  over the age of XXXX and XXXX  under. And to please advise what programs where we eligible for. We talked about several different options. Forbearance, Which would put the owed amount to the end of the loan and loan modification which I stated I did not want a modification are the two I remember. Go back and forth talking with several different reps all telling something different which are noted in their notes the whole thing was very confusion. I also don't think that the reps where knowledgeable about there products and services. Right after that I excepted a 6 mo. forbearance and at the end, I paid the 6mo owed in full around the amount of XXXX. In XX/XX/XXXX I entered in to another forbearance that ends in XX/XX/XXXX. I called in to review my forbearance and pay off options. the Rep began to review my loan and informed me that in XX/XX/XXXX I accepted a modification that saved me XXXX a mo. bringing my payment from XXXX to XXXX mo. by extending my maturity date to XXXX and increased my interest rate to XXXX. I'm completely at loss, I would never accepted those terms had I completely understood. to save an immediate payment for XXXX in exchange for adding over XXXX dollars to my loan at least and doubling my interest rate. As a Financial institution they are required to not only do what is in the best interest for the company but also the customer. I believe with this being a conventional loan they did what was in the best interest of the company and there is no one they have to get approve with or answer to but the bank. This is an unfair practice and unethical and unfair to me the consumer. If this was a FHA loan they would have to adhere by so type of Federal guidelines. They have validated the unfair trade practice.
Product: Debt collection

A debt validation letter was certified mailed to collector United Revenue LLC and was delivered on XX/XX/year>. No response has been received, and credit reporting has not ceased. 

USPS Tracking : XXXX
Product: Credit card or prepaid card

I opened a XXXX card account and have been using it for many many years but for the last 2 months I can't access my money. My daughter also has an account and can't logon to access hers neither which made me learn that all XXXX card holders have not been able to logon or have any access to our accounts. Do a simple search and you will see hundreds complaining of the same and it's been months. I troubleshot the issue on all kinds of XXXX  tablets and computers to check ( I'm a professional XXXX  ) and it's all the same the XXXX  app nor website has logon ability. See screenshots of their website and XXXX  app. blocking logon XXXX has no access for anyone. Noone can withdraw their money!!! I've contacted them several times in all aspects such as customer service forms, direct emails and phone numbers which, myself nor my daughter or others have never received a reply or have been able to get a amex representative live person to pick up the call. It's been months now and so it is absolutely criminal on their behalf to steel our money. I don't know what else to do so I'm looking for help. 
Thank you and I appreciate any assistance you can give us to get our money out if XXXX
Product: Credit reporting or other personal consumer reports

Incorrect amount being reported on my transunion credit report which has brought my score down significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been publicly announced that Equifax has been promoting scores and error. I sincerely trust my score was incorrectly presented through this bureau and also through XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 


Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute the following inaccurate information on my credit report due to identity theft. According to 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of information that a consumer identifies as resulting from identity theft within four business days of receiving the dispute. It has been 30 days since I initially reported this issue, and you are now in violation of this law. 

Please delete the following accounts immediately as they should not be reported on my consumer report : XXXX, XXXX, XXXX Accounts WELLS FARGO AUTO Account XXXX Date open : XX/XX/XXXX ( please remove immediately ) XXXX XXXXXXXX Account number XXXX Date opened : XX/XX/XXXX ( Please remove immediately ) Under 15 U.S. Code 1681b, consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have never given any written consent to report these inquiries, and their presence on my report is a violation of my rights as a federally protected consumer. 

As a consumer, I am demanding the immediate deletion of the accounts listed above. 

Please send me a confirmation of receipt of this letter and notification of the outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred l. Despite having sufficient funds when transactions were authorized l, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX XXXX. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX. XXXX, XXXX  I purchased a XXXX XXXX. Then I really started seeing activity on XXXX XXXX. Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access XXXX to freeeze it. Clarityservices.com, or XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and Im looking for relief. Thanks
Product: Mortgage

I have paid off my US Bank mortgage on XX/XX/2018. US Bank has confirmed that the loan has been paid off. However, even after six months the US Bank has failed to release/ reconvey the Title/ Deed on the property back to me through the county recorders office. 
I have approached US Bank numerous times at all levels including the executive office and the US Bank Customer Advocacy office, however all along they have responded that they have sent documents over to the county office and as far as they are concerned the matter is closed. 
I have approached the XXXX XXXX County office ( California ) and they have informed me that the documents submitted by US bank were incomplete and were returned back to the US Bank informing the US Bank to re-submit the documents. However, US Bank has not resubmitted the documents back. All my calls and emails to US Bank in this regard have gone unanswered with them sending me one letter in the mail saying the matter is closed and they can not help me in this regard
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing presence of negative items on my credit report despite my repeated attempts to have them removed. In regards of providing thorough documentation and evidence to support the removal of these negative items, they continue to appear on my credit report. This persistent issue not only undermines my financial reputation but also poses a significant threat to my financial well-being. Moreover, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these negative items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. I desire with you to prioritize this matter and take all necessary measures to ensure the prompt removal of these negative items from my credit report. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}.
Product: Credit card

Daughter XXXX created XXXX that I paid for on my Barclays XXXX XXXX offers 60 day 100 % money back Guarantee if CANCELLED IN TIME. 

Called and spoke with XXXX who cancelled and handled this CANCELLATION. 

DATE OF PURCHASE : XXXX XXXX DATE OF CANCELLATION : XX/XX/year> UNDER 60 DAYS. 

PROVIDED THIS INFO TO XXXX AS XXXX XXXX WOULD NOT CONTACT BARCLAYS. 

PROVIDED BARCLAYS WITH THIS INFO, INCLUDING FRONT PIC OF XXXX XXXX 60 DAY 100 % MONEY BACK GUARANTEE. 

STILL BARCLAY WILL NOT REIMBURSE ME AND I AM NOW WORRIED ABOUT MY XXXX XXXX XXXX BEING AFFECTED BY THIS!!!
Product: Credit reporting or other personal consumer reports

please check the information concerning the Equifax data breach
Product: Checking or savings account

I am writing to address a breach of promotional terms by US Bank concerning a missing {$800.00} business checking account bonus. 

On XX/XX/year>, I applied for a US Bank XXXXXXXX XXXX account under the promotional offer code XXXX. The account was approved and opened on XX/XX/year>. Per the explicit terms of the offer : The account must be opened between XX/XX/year> and XX/XX/year>. A deposit of {$30000.00} in new money must be made within 30 days of account opening. A minimum daily balance of {$30000.00} must then be maintained until the XXXX day after account opening. 

I fulfilled every stipulated requirement as follows : Initial Deposit : I made a deposit of {$30000.00} in new money on XX/XX/year>, well within the 30-day window. 

Balance Maintenance : The {$30000.00} daily balance requirement was through XX/XX/year>, which is 64 days after account opening. 

The promotional offer further specifies that the bonus will be deposited within 30 days after the end of the month in which all conditions are met. Given that all requirements were satisfied by XX/XX/XXXX, the {$800.00} bonus should have been credited by XX/XX/year>. To date, the bonus remains undelivered and US Bank has thus failed to comply with the account terms.
Product: Credit reporting or other personal consumer reports

Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations.

BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No.

CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have rights under 15 USX 1681. 
XXXX is governed by 15 USX 1681, and they violated my rights numerous times. I demand the accounts listed below be removed ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USX 1681 ; I have the right to privacy and I did NOT give XXXX permission to furnish these accounts
Product: Checking or savings account

ive tried opening an bank account with huntington bank and they couldnt give me an account because they said i had an account opened thru tcf bank which they now own but ive never opened an account with a tcf bank ever
Product: Credit reporting, credit repair services, or other personal consumer reports

According to NC Commissioner of Banks, XXXX is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bankruptcy XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! I have false reporting of accounts to my credit report that do not belong to me! Also after further research I found out my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.