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

I opened an account with truist bank back in XX/XX/XXXX of last year, I received a check from my grandmothers estate in XXXX of XXXX. I deposited the check in XXXX, funds still have not been released as of XX/XX/XXXX. Ive called the bank on multiple occasions and have been told they would call back and nobody has ever did. Still no update on why Im not able to close the account and receive my funds.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. ACCOUNTS : XXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please delete these fraudulent accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 company with inconsistencies, violations and double jeopardy ... 
I requested to XXXX  an investigation for reporting " past due balance '' and " 1 month term '' in collection account from XXXX which represent a violation to FDCPA ... 
The answer from XXXX was a verification from XXXX as shown in their own report attached in this complaint.. 
XXXX is confirming with XXXX the violation ... 
I decide to call XXXX to obtain an explanation but the answer was they has been transfer or sold the account to MCCARTHY , BURGESS & WOLFF to collect the account .... 
Now XXXX is reporting to XXXX an account that is not marked as sold of transfer with a Balance ... So, XXXX  is in violation of the FCRA by reporting inaccuarate information and failing to do a proper investogation.. 
Now MCCARTHY, BURGESS & WOLFF is asking around 600 dollars over the original balance requested by XXXX at the same time is reporting another balance to XXXX ... 
Account XXXX XXXX Violation to FDCPA, Violation to FCRA and double jeopardy ... 

Attached proof of XXXX balance reported to XXXX   before and after investigation and a letter from MCCARTHY, BURGESS & WOLFF collecting another balance for the same account.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been sending me notices in the amount of {$610.00}. The collection has been reported as past due balance. I do not know this company, nor have I ever done any business with this company. This company does not have a contact with my signature.
Product: Checking or savings account

always had my navy fed account being overdraft twice- so always paying for the item i purchased twice
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX, XXXX, and Experian have listed on my Credit Report XXXX XXXX XXXX and original creditor XXXXXXXX XXXX XXXX in the amount of {$4.00}, XXXX. The issue is this shows opened XX/XX/XXXX and the account is OPEN and all of that is Categorically False! I have been with XXXX since XX/XX/XXXX making this debt over 7 year old which should of been removed from my Credit Report. 

These creditors/collections do this all the time, change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice in unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.
Product: Credit reporting or other personal consumer reports

I don't know XXXX XXXX XXXX. This is on my credit report and I want this removed.
Product: Mortgage

I received the attached letter from NewRez LLC today, letter is dated XX/XX/21 The first paragraph of the letter is as follows : " We have attempted to contact you by first class mail and on at least XXXX ( XXXX ) occasions by phone to discuss and assess your financial situation and to explore options that may be available to you to avoid foreclosure.Despite these attempts. we have been unable to contact you as of this date. '' The letter goes on to state that I must contact them to avoid foreclosure. Here is the issue : 1 ) NewRez LLC XXXX XXXX XXXX XXXX has not contacted me a single time prior to this letter by phone nor mail. I have contacted them numerous times to resolve an error they have made with my mortgage account. 2 ) I have never defaulted nor been late for a single payment ever. My loan is current with all payments being made in full in a timely manner. 

On what basis does NewRez believe it is correct and legally appropriate to send me this letter? I believe NewRez is engaging in illegal and deceptive business practices which causes stress for the consumer and wastes the consumer 's time. No one that is making their payments on time and in full should be receiving a letter of this nature. I am filing this complaint so that the government and other consumers are aware of their business practices.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Mortgage

Rocket Mortgage ran our annual escrow analysis in XXXX of XXXX and claimed that we had a deficiency of {$1500.00} which we paid in full. Rocket Mortgage then ran an off schedule analysis 5 months after the initial escrow analysis which ironically coincided with the payment of our insurance for the year. No one asked them to run an analysis, we were told by the lender that they had to pay out more money than they expected because the policy amount increased. We then received notice that our payment would go from $ XXXX/month to $ XXXX/month if we didn't pay the deficiency {$230.00}. This is just 5 months after the initial analysis. They claimed that if we paid the deficiency then it would only go up to $ XXXXmonth, which is still {$20.00} than what we were paying after only being in the escrow year for only five months. We made a payment of {$1200.00} directly into the escrow account. We have spoken to several representative and have even had our concerns escalated to a senior representative that told they are following the guidelines of RESPA. I have yet to find any information under RESPA laws that state that a mortgage company can run escrow analysis whenever the bank pays more than expected. To add insult to injury, the escrow account had more than enough money to cover the fees. In fact when the taxes are paid in the next 2 months, the entire amount will be covered by what is in the escrow alone and pay mortgage insurance that they pay out each month. The bank refuses to remove the deficiency off the account despite our having made a payment of more than tripled what our supposed deficiency is and are trying to charge us each month for that deficiency. They also can not explain when exactly we had a shortage in the account. The balance has remained over {$2000.00} the entire year. We were even told that regardless, we were going to be short when the next analysis would run. Despite our best efforts to resolve the issue Rocket Mortgage, we keep hitting a brick wall.
Product: Payday loan, title loan, or personal loan

I applied online through XXXX XXXX to finance furniture. They udentify multiple programs for financing. The rate noted was an APR of 147 % with 101 days interest free. As I started making my payment still within that 101 days I noticed a small portion of my payment us going to principle. When I contacted them they advised they don't have interest they have a finance fee if XXXX  per day. When I applied, there was nothing noted on XXXX XXXX  website that stated that. Additionally, they do not se d me any billing statements at all. They told me to create an online account and I can get my bill. I thought creditors were required to provide a statement to their creditors that reflects balance owed and the obligatory payment amount. This is predatory lending at ut best as well as bait and switch. They also advised that they can't draft more money than listed on the contract which helps pay the balance and interest down faster. I think this company needs to be Investigated. I understand tgat there us a difference between finance fees and interest but they misled me to believe that for that first 101 days no additional fees/interest would be assessed until the 102 day if the account was not paid off by that time. I have paid XXXX. Towards a balance of XXXX and XXXX of that has gone to finance charges I did not think existed until after the 101st day. This is predatory lending at its best.
Product: Credit reporting or other personal consumer reports

The company is a 3rd party who brought the old account from XXXX and resubmitted it back to credit reporting up under my name like the account was freshly open up again it was in the credit reporting in XXXX it was closed and removed this company reported it up under a different name Lvnv funding LLC the credit was with XXXX XXXX XXXX this company that brought the paper work has my identity from XXXX XXXX XXXX  they bought out my file and put it back in as though it was a new account and it isnt and I went to court with them and the judge threw it out because it was a old account and they keep putting it back with XXXX XXXX and other reporting companies they are reporting to
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX- XXXX $ XXXXXX/XX/XXXX- XXXX $ XXXX XXXX - XXXX XXXX $ XX/XX/XXXX - XXXX $ I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request an immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history
Product: Credit reporting or other personal consumer reports

multiple incorrect information on my report. transunion has no replied or complied. 
evidence is submitted below
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card or prepaid card

my credit card was fraudulently charged {$1400.00} plus fees for an emergency cash advance I did not request nor authorised. I immediately notified the bank by e mail that this was fraud, as I was out of the country during that time. the bank refused to remove the charges as well as fees and late charges. I had an attorney contact them twice but still no resolution. now the bank has reported this to credit bureaus which has negative impact on my financial life.i have documentation of all communications with bank. 
the nank is comenity bank the issuer of XXXX XXXX  credit card.
Product: Credit reporting or other personal consumer reports

Upon a recent review of my credit report, I discovered several unauthorized accounts. These accounts were opened in my name without my knowledge or consent. This raised serious red flags, prompting me to delve deeper into the issue. 

My investigation led me to believe I am the target of identity theft. The presence of these unauthorized accounts, coupled with past instances of my personal information being compromised in data breaches, strongly suggests this possibility. 

Therefore, I am formally reporting this matter for immediate investigation and rectification. I urge you to take the necessary steps to resolve this situation and ensure the security of my identity. 


In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), I am formally requesting verification and validation of certain accounts listed on my credit report with your agency.

During a recent review, I identified several accounts that I neither opened nor authorized. This discovery raises concerns about the potential presence of inaccurate information on my report. 

To ensure the accuracy of my credit report, I request your assistance in verifying and validating the legitimacy of these specific accounts : 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 

I believe this step is necessary due to past instances of data breaches compromising my personal information. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was apart of the Equifax breach since then every month without fail I have had incorrect, fraudulent, bogus accounts placed on my credit report, causing me to constantly dispute! Isnt this injury to insult? Ive asked the customer service reps in XXXX, what are the methods you utilize to deem to responsible for these debts? I have none if the creditors havent EVER yet somehow they appear and Im supposed to prove my innocence guilty in Equifax court of law??? Ive lost XXXX of points never to regain them! WHAT if I needed to buy a car? A new home? They hold me accountable penalizing me for absolute nonsense! Ive had XXXX bogus accounts removed due to my diligence. Each time costing me points and struggle and 30 day waiting periods????? You allow these vultures to do this and it needs tp END now!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted multiple complaints on XXXX who are is in multiple violations of the FCRA. 15 USC 1637 ( b ) ( XXXX ) ( A ) since myself the consumer stated the billing error it should of been removed while it was being investigated. 
According to 15 USC 1666. ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ct XXXX, nc, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dispute on Credit Report under The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
Dear Experian, Pursuant to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am bringing to your attention inaccuracies on my credit report from XX/XX/XXXX : XXXX. **Date of Birth** : My correct date of birth is XX/XX/XXXX, while the report lists XXXX. 


Attached are [ relevant documentation, if any, such as a birth certificate or employment verification ] to validate my claims. 

I request that you investigate and make necessary corrections as per the guidelines of the FCRA. 

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

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever 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. 
These accounts are not accurate XXXX account ' acct # XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo keeps on verbally promising and not delivering. Wells Fargo has verbally told me that the short sale was approved, yet I have not received the short sale approval in writing. Wells Fargo  has not provided me with a contact person as required by law. Contact person phone number has been provided but person is unreachable and not returning calls. Please have Wells Fargo Comply  with Law and do what is promised.
Thank You Very Much!
On Behalf   of  XXXX   XXXX
Product: Credit card

got behind on account. Finally made arrangements over phone with someone to pay XXXX payments by autocharge/monthly. My understanding - this would catch acct back up. Orginally payments were $ XXXX dollars/month. Today 's bill - after 4 or 5 of these paymts in payment arrangement says I need to pay $ XXXX minimum payment. Apparently everything I 've paid over the past year has gone to late charges & interest. I am no where near catching up after this " payment arrangement ''. They are supposed to review account after telling me when I made those arrangements it was not to catch me up. If not - why the XXXX would I have made such an arrangement ( $ XXXX/month ). I have n't heard anything yet.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have notified the credit reporting agencies of this misinformation that they are reporting.and well as those several violations that they are committing by reporting inaccurate information on my report. And they have chose to ignore me. 
At this point I must demand that all those attached accounts be removed immediately.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX XXXX - Account # : - XXXXXXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : - XXXX XXXX Account # : - XXXX XXXX  Account # : - XXXX {$690.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being and I have rights under 15 USC 1681.

EQUIFAX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed be removed from report because according to 15 USC 1681 I have the right to privacy and I did not give EQUIFAX written permission to furnish account listed below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I payed for the debt. I asked for a certificate of deletion showing that they would remove the debt. They said they dont offer that just saying my debt was Paid. Its still effecting my credit report.