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

On XX/XX/2020, I sent a certified letter to XXXX, account number XXXX, The letter contained information that is incorrectly reporting on my Equifax credit report. Through email correspondence. XXXX, agreed that the account was reporting inaccuracy, and sent me verification that they had sent Equifax a request for delete. They also sent the XXXX AUD Control number ( XXXX ). As of XX/XX/2020, this account is still reporting on my Equifax credit report. I contacted Equifax by phone, and was told by the representative, this item was placed in dispute. 

I have included the email that was exchanged between XXXX and myself for your review. 
Remove this item Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Experian, XXXX and XXXX are require to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX; XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I've disputed with the XXXX credit bureaus incorrect historical balance/late payments on my credit reports, sent letters from the credit card company showing no late payments or over card limit yet, they continue saying information verified as accurate.
Product: Checking or savings account

So XX/XX/XXXX I was told from bank America they are closing my account due to bank discretion and they have the right to not explain the reason why I have checking and bussiness account I was stole they were closing the accounts XX/XX/XXXX right and Im not able to access any funds from any account I had put multiple hardships in because I do own a bussiness and need to pay out payroll how ever every hardship has been denied talking to account closure has been a headache for me every rep have something different to say and highly rude about helping the customer myself I feel like I have been racially profiled and now they are holding my funds the last time I spoke with account closure was XX/XX/2023 and was told that bussiness account has been closed since XX/XX/2023 but the back office hasnt issued a check yet I want to know why are they holding my funds and keep making all these different excuses on to why I cant have access to my funds how ever they officially closed my personal account XX/XX/XXXX but now my bussiness and savings is still on stand still with no answers but to be told to keep calling and checking the status I asked if back office has email or number where they can be reached regarding this and I was told no I just have to wait please help. I feel as if they just doing this process on purpose because I am XXXX bussiness women who own a XXXX XXXX its not fair and I have to keep letting my employees know to be patient that they will receive funds once Bank of America fully close my account which they are taking there time on
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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

I would like to say that I do not recognize these accounts, and I am requesting that you delete these accounts as I do not know how these items appeared in my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 card or prepaid card

Chase advertisements make it seem like any normal person can obtain one of their great credit cards. The points and cash back rewards seem amazing but what they don't tell you is they are highly discriminatory. They will only give credit to those people they want to even if you qualify for it. Even if you qualify for credit they will request documents they know isn't possible to obtain for some time. They know this so they also make it so you can not record their phone calls even though they can. I asked a supervisor specif information but they remain vague and just repeatedly ask for information they know that isn't possible and refuse to be flexible EVEN IF YOU QUALIFY.
Product: Bank account or service

To whom it May Concern, I, XXXX XXXX, hereby declare that I have been a loyal customer of bank of America since 1998. I have changed accounts four times for security reasons, but I never left my bank. It has been about ten months or so since that the overdraft fees that bank of America charges have become outrageous. Bank of America reorders debit card transactions/e-bill payments and withdraws in various ways ( usually placing the higher amounts first that will leave customers with negative balances XXXX, therefore ; the average client will be left with more than a few costly overdraft fees. Every time I have called to complain about how my available balance changes from day to day, the supervisors and customer representatives tell me that the automatic system rearrange transactions in different ways. Sometimes the automatic system will process larger transactions first and others the system will not process transactions correctly over the weekend. Consequently, on Monday morning the average costumer will be surprised with a bunch of overdraft fees. I have asked supervisors and customer reps to amend the mistakes that the automatic service makes. Some managers will waive a few charges. Others, like the last supervisor I spoke with will tell me that if I balance my account using my phone or a computer, I am destined to pay overdraft fees every week. If that is the truth, why does bank of America promotes mobile applications, online banking usage and online statements? Then, to make it more ridiculous the supervisor told me that if I kept doing my balance using paper and pencil and comparing it with my online balance, I was also destined to be charged hundreds of dollars in overdraft fees. Supervisors keep talking about the automatic service and blaming it for all overdraft fees like the automatic service is an electronic device that ca n't be handled by human beings ( it has its own mind ). My sister who was a loyal customer for XXXX years of Bank of America left the bank because of the same reason : Bank of America is rearranging deposits and withdraws anyway they want, so they can make millions charging overdraft fees. Something has to be done to stop Bank of America for charging overdraft fees in order to increase costs to average consumers for their benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE RUIN PEOPLE 'S LIVES AND THAT'S WHEN XXXX AND MENTAL DISABILITY COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
Product: Mortgage

How do these people get away with what they do to people!?!? They told us, In order to do a moderation you cant make payments on the account until the moderation has gone through. Well, 8 months later after a very lengthy conversation back and forth of why the moderation was never sent to the under writers. Literally things like the phone number was in the wrong place so we had to resend the documents or the address was to low, or the name wasnt legible, you name an excuse, they gave it to us. So once they said too much time had gone by and wed have to start over again, I said no way, because for one they put our house into active foreclosure!!! It set to go for sale on the XXXX. We are trying to send them the money. They dodge our calls, put us on hold and hang up, give us bogus ways that they know wont work to get the money to them because they want our house! Not to mention, every time I call them they tell me this amount is good until the sale on the XXXX, then I finally get someone, by getting around their dodging us and the amount goes up XXXX $ more in 2 days!!!!!!!! 
Im lost and only have a few days left. Someone please help me and let me know what to do. We cant loose our house because they want our oil and gas land!!!! Please HELP!! Tell me what I can do to stop this! We live in a small town and dont have attorneys-that are big enough to take the case. Im so lost. How do they get away with this???? Why is this legal??? Why isnt there more help out there for people being victimized by these big banks????
Product: Credit reporting

The credit reporting agency is utilizing a third party furnisher of information to verify the Discharged Chapter XXXX Bankruptcy. They just admitted by the response that they are in direct violation of the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ... '' We request the following : XXXX The name of the courthouse ; XXXX the person 's name they verified the dispute with ; XXXX the address XXXX the telephone number ; and XXXX XXXX XXXX the documentation used to verify the dispute. 
Credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information. The XXXX Court IS the furnisher of information, not a third party source as used here. We are ready to file a lawsuit against Experian if they do not comply with FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ).
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received a call from XXXX Bank, calling to confirm if I had submitted a new credit card application. I informed them that I had not, the lady on the phone was very nice and stated that they would send a report to the credit bureaus to erase the hard-inquiry. 

On XX/XX/2023, I received an email from XXXX congratulating me on my new credit card. I immediately called XXXX and informed them that this was a continuation of the identity theft, and that this was not me. They immediately closed the account, and again, stated that they would have the hard inquiry pulled from my credit report. 

I check my credit report on XX/XX/2023 on Experian, and they still have these hard on my credit report. The other credit bureaus, do not have this hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax many many times by phone, email and mail as to the account in reference and they have called me but spoken to someone other than myself and have given out personal information of mine which I did not authorize, when I notified the XXXX back in XXXX or 2018 of this after prior emails to him that is when all response has stopped. 
There is an account on my credit file for XXXX listed as a Foreclosure ( which I have never had any property in my name ever ) and I have notified Equifax many times as I have stated above. All they do is update my credit file as the creditor said it was mine. 
First off I would like to know what physical proof that they have received from such creditor ( which they stated that the creditor just said it was correct, so no proof was ever sent ). 
How can you place something on someones credit and not verify that it is true and correct which is what they are supposed to do. And since this has been going on for over 3 years I am at the point that this needs to be DELETED IMMEDIATELY. I have verified with the county office where this was supposed to have take place and there is infact NO FORCLOSURE proceedings ever recorded in my name as I stated above. 
If there was a FORCLOSURE it would have been listed at the county office at the state where this was supposed to have taken place. 
I AM AT THE POINT THAT THIS HAS BEEN RUINING MY LIFE LONG ENOUGH AND THEY HAVE HAD MORE THAN AMPLE AMOUNT OF TIME TO DELETE THE ENTRY. 
I do have emails between them and I and like always it just gets brushed under the rug and no help is given. 
The CFPB regulates them and you should not let them continue to treat citizens in this manner. 
Your immediate response would be greatly appreciated as I feel I have been treated unfair long enough and something needs to be done.
Product: Student loan

I am a co-signer for XXXX student loans for my daughter approx. XXXX years ago. I have paid on them when my daughter was unemployed for a few months and when she was employed, she took it over along with her other student loans that I am not named on. She went back to school and received her XXXX degree and was under-employed for a year and could n't pay it. These were private XXXX XXXX loans that subsequently went to navient to collect. My daughter tried to negotiate a lower price so she could continue paying on the loans, but that was denied and late fees and harassment have followed. As of XX/XX/2014- they turned to me on the cosigned loans. I began paying them and found that the money I paid was going to whatever loan she had that was the furthest behind and therefore my credit started getting hit and I received notices from XXXX credit card companies cancelling them because of my newly destroyed credit rating. I am XXXX and have had excellent credit until Navient hit. I have looked at my account and found nothing that correlates with the payments I have made. In addition, the amount I owe on any given day changes drastically and what is on the internet account is something entirely different. I am living on social security that is not enough to pay my bills and my ability to pay all these different amounts they throw at me. Why is there no one who can help? I am going to make a payment in a few minutes that I have no idea where it will go. Can you please help with this? The XXXX XXXX XXXX was taken out for XXXX XXXX College in XXXX, Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICOLLECT is trying to collect a debt that does not belong to me. They have also violated HIIPA LAW. I want this debt investigated. I am a victim of having my social security number and drivers license information compromised. I filed a complaint with the FTC as well.
Product: Checking or savings account

Im writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, 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: Mortgage

XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services, effective XXXX/XXXX/15. I did not receive notice of this until it was too late to stop the automated XXXX mortgage payment to XXXX. I spoke to Carrington on XXXX when they called to tell me that i was a month behind. I explained that I had paid XXXX, and according to the terms of the loan transfer XXXX was responsible to get those funds over to Carrington. The Carrington rep then told me that they in fact did have XX/XX/XXXX payment, but had not applied it to my loan. She assured me that she would correct it and I would make XX/XX/XXXX payment to Carrington. I set up autopay and XX/XX/XXXX payment was posted by Carrington on XXXX. On XXXX I received registered mail from Carrington advising me that I was in default by 2 months and they had filed an intent to foreclose. When I called Carrington they were unconcerned about the notice and told me to disregard. My understanding of the loan transfer procedure is that they can not make collection attempts, file intent to foreclose, or report derogatory information to a credit bureau for 60 days, yet this company has done XXXX of the XXXX already. Online Scam alert sites are replete with horror stories surrounding Carrington Mortgage Services. Please review for yourself and address ; I have never been late with this Mortgage ( 8 years XXXX and have an excellent credit bureau ( XXXX ), these bullies are breaking the law.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Vehicle loan or lease

I have an auto loan with US Bank. When I receive automated calls from the company, a number that it not their primary customer service number, their automated system requests that I enter my SS information to verify my identity. This automated system is calling ME, not the other way around. 

US Bank is normalizing customers giving away their SS information to automated systems from unknown numbers. This is anti consumer behavior and needs to change. They are opening their customers to potential fraud. 

I notified US Bank of this issue months ago and the customer service rep I spoke to took it seriously and agreed this is an issue. She was not previously aware this is how US Bank handled automated calls.
Product: Debt collection

this was paid when I went to the emergency room.this debt is old besides.they never billed insurance .then chared me XXXX at the emergency room.said that this would be paid in full in case insurance did not cover this.gave them a check asked them to not put it through til Monday.they did .a and they over drew my account.but was still apid and the bank charged me XXXX.this account was not opened in 2019.it was more like 8 or 9 years ago. I llived at XXXX XXXX XXXX XXXX.and we have lived here for 5 years. in fact I have had a P>O> box   for 7 years.i do not understand why XXXX XXXX does not question this.plus I sent to XXXX and got my free credit report and this is no where on this.and I have been in phine contact with them for a freeze on my credit report.there is also a wrong address that they recently took off my report.i have more trouble with XXXX XXXX than any body else.i was told you are never accurate.
Product: Credit card or prepaid card

Comerica ( Direct Express ) froze /deactivated my debit card that my SSI/SSDI goes on for no apparent reason I called customer service to find out why and get it reactivated man from customer service would not give his name and gave no reason for deactivation said he would reactivate if I gave him my name, address, social security #, birthdate, And phone # I did he said my information was incorrect and I would have to fax or email a photo of my ID when asked to speak with superficer he hung up on me. I waited on the line for 2 and a half hours to begin with.