23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account isnt mine. Consumer adjustment in the amount of {$4900.00}. I disputed it with the other bureau 's and it was removed. I would ask if transunion will remove it as well. I even have a letter from the collection company saying they will remove it off my XXXX.
Product: Checking or savings account

Early last month on XX/XX/2024, I opened up a 12-month IRA Traditional CD Account with Alliant Credit Union located in XXXX, Illinois. After first talking by phone to 1 of 17 Supervisors, XXXX, my transferred form and money was confirmed & received by Alliant on XX/XX/2024. However, my deposit was delayed in posting to my account until XX/XX/2024, with only a 3.10 % vs expected 5.40 % interest rate that was posted on their website which I've attached to this complaint of when I opened up my account. I called again and talked to Supervisor XXXX  on XX/XX/2024, and was told that I opened an IRA SAVINGS NOT CD Account. However, I told her that their Alliant IRA Transfer Form which they received and my IRA Account that I opened early last month Clearly didn't show it was for an IRA SAVINGS VS CD Account. XXXX then said after talking to their IRA Department that they would open up a new 12-month Traditional IRA CD Account for me with a 5.30 % which was the rate last month on XX/XX/2024, when my account was " FUNDED '' and would be opened, changed & corrected by XXXX, XX/XX/2024. However, on XX/XX/2024, I receive a message to call back Alliant and talked to another Supervisor XXXX who said they are NOT going to give me the 5.30 % interest rate that was promised by Supervisor XXXX after supposedly reviewing my past phone calls with them? I'm still currently receiving only a 3.10 % interest rate on this account. Since opening my Account with Alliant I've received horrible customer service because of their Delays, Lying and Deception of their posted 5.40 % and then their revised & promised and NEVER received interest rate of 5.30 % and their lack of NO response to my numerous received emails to their Customer Service Team XXXX & XXXX since XX/XX/2024.
Product: Payday loan, title loan, or personal loan

I was browsing the various options for products on credit karma and viewed a product for a title loan with a company called XXXX XXXX XXXX. I was simply looking because it had said I was pre-approved for a loan so I was simply curious about what I'm currently eligible for since I am trying to raise my credit to purchase a home. I did not authorize any formal request and did not authorize for any company to check my credit. A few minutes after leaving the page, I checked my email only to find a notice of denial for credit from a company called " Net Credit ''. I sent an email to their support team advising that I made no such request, and that I would like my information removed from their files. I am filing a formal complaint because this was not even the company who's product I was viewing, nor did at any time did I request any product from any company that would require a credit check. XXXX XXXX should be made aware of these shady products on their site where simply clicking on a pre-approved offer lands you with a hard inquiry on your report by a company you've never even heard of.
Product: Mortgage

Freedom mortgage has misrepresented my account balance on my credit report, freedom mortgage has not updated my credit report with a paid in full and account closed status by the closing of the statement cycle for XX/XX/2020. Payment was made on XX/XX/2020. Previously, freedom mortgage inherited my account from a lender ( NJ Lender ) that paid me restitution for unethical practices during the origination of my loan. During my loan history, freedom mortgage charged me a total of {$3400.00} in miscellaneous fees for 'property inspection ' while I was applying for a forebearance and hardship deferment during the COVID pandemic ( XX/XX/2020 to present ). Also during this time the company referred my account to a third party called XXXX XXXX XXXX XXXX, who charged me an additional {$3100.00} in fees for " foreclosure fees ''. The {$3400.00} plus {$3100.00} totaling {$6500.00} was added onto my principal balance without a detailed description of each of the fees. This added {$6500.00} increased my payoff by $ XXXX or more between the months of XX/XX/2020 and XX/XX/2020. During this time I was advised that Freedom mortgage is a defendant in a class action suit in the State of NJ for unethically charging consumers property inspection and miscellaneous fees on their mortgage account. Which supports my claim above. From start to end, I have experienced unethical business practices by Freedom mortgage and its predecessors. As well as other mortgage consumers nationally.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage Lender is unable to obtain a credit Report from Equifax even after I called Equifax and the representative verified that there are no freezes of any kind. The Equifax representative even pushed me to sign up for membership with them to obtain a copy of my credit report, and still never resolved my problem and even took 2 payments of {$4.00} from my bank account while my online Equifax account still has not granted access to my benefits and continually inviting me to sign up for membership once again. I have even gone to obtain my Equifax credit report from annualcreditreport.com to only receive XXXX and XXXX reports and fails to send my Equifax report.
Product: Mortgage

I refinanced my home with Carrington Mortgage Services , LLC in XXXX, and they required me to purchase flood insurance for an outbuilding on my property despite my previous lender waiving it as my residence itself was clearly outside the flood plain. On XX/XX/XXXX, that particular outbuilding was completely destroyed in a fire. After sorting everything out with my home insurance company, I contacted Carrington to request the removal of the flood insurance requirement as the building in question no longer existed ( they were well aware, as they were notified of the loss from my insurance company and named on the settlement check itself ) and as this was in the time period where building costs went through the roof we were going to be unable to rebuild. I had to call back numerous times and tried various representatives, and they all told me the same thing : they can not remove the requirement, and I have to continue maintaining the ( at the time ) minimum {$50000.00} coverage on the " structure ''. One of the representatives finally told me to try calling the flood insurance provider directly as Carrington doesn't control that. I tried, and was told by the flood insurance representative that they also could not do anything about it, as it was a requirement of my lender and FEMA. I called Carrington back and they then told me that FEMA controls what they need to require, and until they are notified by them that coverage is no longer necessary then I need to keep paying it. I contacted FEMA multiple times, both the national help lines and my county/state offices, and I was told that FEMA does not regulate or oversee lenders, and I should contact the lender 's federal regulatory agency about the issue. So that is the stage I am currently at, after being forced to continue paying for flood insurance on a nonexistent structure for the last two years, five months, and twenty-four days while being given no way to resolve my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times beginning in XX/XX/XXXX. I have been told that Experian uses the lender ( XXXX XXXX XXXX XXXX ) to get their information. The last few times I have disputed the account ( XXXX and XX/XX/XXXX ) for incorrect information, Experian refuses to delete the account and just updates the Foreclosure date. I have contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and they have not updated any information. The account was foreclosed in XXXX, NOT in XX/XX/XXXX or XX/XX/XXXX. I have contacted Experian as well on XX/XX/XXXX with this information and they have told me that XXXX XXXX is the one that keeps changing the date. However, XXXX XXXX does not have any record of the changes. What Experian is doing is fraud. This account needs to be deleted.
Product: Student loan

I cant remember I need this off my credit its stopping me from buying a house I never got a job from going to school for it
Product: Debt collection

Well I looked on my credit report and I seen this new account in collections XXXX17 They did not notify me Or send me a letter before placeing this account on my credit report.So I sent them a debt validation letter stating I will like the original documents on this account.And all AR resolution inc sent me a cover sheet any computer screen. This is not a proper validation letter. And I know my laws and my rights and AR Rosources inc have Validated Fair debt Collection practices Act federal and state.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated. 


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. 


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

I have requested proof that this information was mailed or delivered XXXX  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! 


Update the late payments from my consumer reports
Product: Checking or savings account

I opened an account and for some reason it was always going over and having fee 's that I didn't do and my account was always overdue and I would have to pay the over draft fee 's and I was missing money from my account and my card was always frozen so it was very stressful my bills were not getting paid due to the over draft fee 's and my frozen account I got behind on bills and lost a lot of my life
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

XXXX XXXX XXXX Case Number : XXXX XXXX XXXX XXXX Case Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

On XXXX XXXX I sent a certified letter to them advising them of a billing error regarding truth and lending, open and end credits, remittance coupons and federal Reserve notes.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate information on my credit report. I never gave Transunion or anyone authorization to run my credit report. The information theyre reporting is incorrect and invalid.There inquiries are invalidated and inaccurate and needs to be removed from my credit report please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 immediately thank you.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report. As i was signing into XXXX, I noticed my name, with my phone number and my SSN as being correct but it had an address for Virginia. I have never lived in Virginia. Been in Maine my whole life. As I looked at my credit score once i logged in, I seen a few accounts that were not mine, so i repoerted that with XXXX. They came back today and they denied the dispute, saying they are mine. I am worried that maybe this is identity theft? or just a mistake with another person same name,. I googled this person and she does exist, as age 67, I am 56. Why is my account with hers and i dont understand why XXXX cant see that we are 2 diff people and i dont get how my SSN and phone number was under her address, I dont know what to do now. These accouns are in good standing so i dont think it hurts my credit, i just worry cause its on my account and its not me. I worry that my ssn was under her address. If i google her, it shows my address along with her address as the same person, we are not the same person, ive only lived in XXXXXXXX XXXX my whole life. Can you please help?
Product: Credit reporting or other personal consumer reports

I sent a request to validate or remove the listed accounts back on XX/XX/year> and no one has responded to me. I have reached out to them several times, but no one has responded to me. I am attaching the letter I sent them back on XX/XX/year>. I am requesting the listed accounts be removed from credit report immediately. 


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

In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, US DEPT ED Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX , XXXX XXXX XXXX Account # XXXX, Account XXXX XXXX, Account # 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance ; : {$760.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$8600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX  Balance : {$4300.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX In XXXX XXXX Georgia Ran An Expensive Series Of Test In The XXXX.Without My Consent.. I Verbally Refused Treatment In The ER Numerous Times. The ER Staff Assaulted Me, Drugged Me, Held Me Against My Will And Never Ever Gave Me A Right To Dispute Notice ...
Product: Debt collection

My name is XXXX XXXX. My account number with XXXX XXXX XXXX shows XXXX - I was told the actual account number is XXXX. 

XX/XX/XXXX, I spoke with " XXXX '' from Northland Group regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies. 

I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports. 

I called XXXX XXXX Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX. 

I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself two times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email XXXX XXXX XXXX and request the phone recording from Northland Group, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor. 

I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves. 

I was promised that this would be removed from my file when I paid Northland Group XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I reported several transaction and requested agents etc. and have not received any resolution just money gone that I actually need
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for XXXX. These late payments were recorded for the account XXXX XXXX XXXX  XXXX on the dates XX/XX/2021. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent.

The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXX XXXX reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted TRANSUNION and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX to report suspicious activity on my account after I received a password-change notification. XXXX XXXX 's changed my card account numbers and ordered new ones and revoked my online account. 
However, since then, XXXX XXXX has been making false reports to the credit bureau regarding my account : On XX/XX/XXXX, XXXX XXXX reported me as " 30 days late '' even though there was no payment due on my account. 
On XX/XX/XXXX, XXXX XXXX reported a new account under my name even though I did not open a new account.
Product: Debt collection

Comenity Bank call and leaves voicemails multiple times a day. Today XX/XX/24 alone there have been XXXX calls starting as early as XXXX XXXX Comenity - XXXX XXXX  XXXX Comenity - XXXX XXXX XXXX ( x4 repeated succession ) Comenity - XXXX XXXX  as this has been going on I can assure you I will receive more before the day is over.
Product: Credit card or prepaid card

I want to increase my monthly payment by TRIPPLE of the minimum and Goldman Sachs refuses to do so. 
I either am FORCED to continue minimum payments of {$61.00} or the ENTIRE balance of {$2100.00}! 

I am not in a position to pay the entire amount but DO want to pay it off ASAP as of the $ 61 monthly ... my balance only goes down by {$20.00}!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct #, XXXX ; XXXX XXXX XXXX Acct XXXX XXXX XXXX ; XXXX Card Acct #, XXXX ; XXXX Card Acct # XXXX ; XXXX XXXX, Acct # XXXX ; XXXX, Acct # 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: Debt collection

Debt was a result of identity theft, have tried to remove this account off my credit multiple times, the collector has not provided proof of validity. This debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting on my Experian credit report that in  XXXX , the payment was 30 days late. Account has never been paid late.   XXXX    &   XXXX  have it reported accurately that there were no late payments.
Product: Debt collection

On XX/XX/2022 at XXXX Central Time I received a phone call from the debt collector Gatestone & Co International Inc ( the Company ) reporting to be XXXX XXXX telling me to return their call immediately at XXXX so my account doesn't go to further collections. 

The Company acknowledged receipt of my letter dated XX/XX/2022 informing them they may only contact me by mail at my address. The Company continues to call me in violation of federal law and my rights as a consumer.
Product: Checking or savings account

My account was closed because of business decision, that's what I was told. They denied to talk to me at the beginning but after I told them that I was contacting you they answered by saying that I have to contact my other bank and get request to get my money. My other bank told me to contact you. I just want my money back. The amount is {$1800.00}. I don't want business with them either. Please help me. I don't have any money.
Product: Checking or savings account

I am a long-time customer of Wells Fargo bank ( 37 years ). We have safe deposit box at their branch at XXXX XXXX XXXX, XXXX XXXX, CA. On Friday, XXXX XXXX, XXXX  I went to withdraw urgently needed assets from my safe deposit box and the branch was closed. I called Wells Fargo to find out how to access my funds. 
After numerous phone calls, callbacks etc. I was told the branch was " temporarily closed. '' The agent did not know when it closed or when it would reopen. She said I was sent a letter about this closure. I said I never got the letter. She looked into my record and agreed that a letter had never been sent.

I asked to speak to a supervisor and spoke with two others. None could tell me how to access my safe deposit box today. They said they would send someone in another department a letter that would take one to business days which is long past the time I need assets from my box. 
I also asked to have my {$45.00} safe deposit fee refunded since I'm paying for something I have no access to. They said they could not do that over the phone either. 
I'm not sure how I am going to come up with the assets I need to close another financial transaction today. 
PS : None of your web CFPB complaint pages have a circle to check for Safe Deposit Box issues or branch closers or " other '' so I just put it under checking accounts.