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

I have two accounts reporting on my credit report that are from third party collection agencies that I never consented to have my personal information. As well I found that these agencies are not legally licensed to do business in the state of Delaware and they harassed me into paying them money. I have reached out to them several times after I was made aware of my rights but they refuse to delete my information from their systems. Under section 15 U.S.C. 1681c-2 I believe this is identify theft and I would like this information removed from my credit reports. 

I sent out letters stating my claim and requested for the removal of my information from their systems and to stop reporting my confidential as I did not give them consent with no response or action. Most recent I sent out letter via certified mail to with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is older than 7 years, I have tried getting it off my credit report and no one will help. I am trying to clean up my credit reports and need help, I am trying to purchase a home for myself and XXXX young children. I need these accounts that are older than 7 years off my credit reports please. 

XXXX  credit card is closed and is XXXX XXXX XXXX, I need it deleted off my credit report.
Product: Credit card or prepaid card

I had applied for a XXXX XXXX card in XX/XX/2021. I received a confirmation that I was approved but never received the Card. The card is issued through Synchrony Bank located at Synchrony Bank Corporate Headquarters Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX I have tried to reach the bank but was unsuccessful. Idid not find any e-mail address and when I tried to call I was on hold for 50 mins.. So I hung up. I wanted to cancel the card since I never received it. It also stated the it would not affect my credit report but it has drop my rating by 9 points ...
Product: Credit card or prepaid card

Credit Card Companies wont defer my payments. I am a victim of government shut down.
Product: Credit card or prepaid card

In XXXX I opened a Citi Double Points credit card. XXXX. On XX/XX/XXXX. I received an email from Citi Double Cash Card offering 25 % more cashback if I opened a Citi Accelerate Savings Account. I contacted City and open City Accelerate XXXX Account. XXXX. I contacted City and they were supposed to link my new Accelerate Savings account to my City Double Points account. That never happened. I never received the 25 % bonus. I contacted Citi and was unable to reach anyone, they kept referring me to different departments until I was hung up on. After receiving my XXXX statement, I again tried today, XX/XX/XXXX to contact Citi as I have still not received my bonus cashback. Today, I again I started with their messaging service only to be referred to the different chat people in the messaging program and was ultimately told they could not help me, but to call " One Stop Sales Unit '' at XXXX, which I called, as they could not contact me directly. It was extremely difficult to get out of the automated call system but I was ultimately able to speak to a representative. The representative told me that she could not help me because it was a credit card number. I asked to talk to the supervisor so that I could explain the problem as the credit card division told me to call them. In that process, I was hung up on. I tried to call the number on the back of the credit card in hopes that I could reach someone, but that program only dealt with changing reservations. ( Apparently, If I had lost my card, which I have not, I would not know who to call or contact, as the number does not work for lost cards or issues with one 's account. ) Please help me get my additional cashback bonus. I am sure that others are having the same problem.
Product: Debt collection

I, the natural person and consumer, did not receive any information regarding this alleged debt placed on my consumer report by MIDLAND FUNDING. Nor did I receive the information required per 15 USC 1692g ( a ). As such, pursuant to 15 USC 1692c ( c ), I refuse to pay this alleged debt. 

MIDLAND FUNDING have failed to provide adequate validation of the debt, such as proof of the existence of the alleged debt and outstanding balance, proof of a contract verfiying MIDLAND can legally collect, and proof that MIDLAND is the current holder of the instrument. 

MIDLAND is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXX XXXX yet MIDLAND FUNDING is the company listed on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/NELNET # 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 a 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: Debt collection

Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence.

This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards. THIS COLLECTION AGENCY AND PRIOR/POSSIBLY NEW ONES ARE AFFILIATED WITH THE ORIGINAL CREDITOR AND COULD POSSIBLY REMOVE THE DEBT THAT IS NOT VALIDATED AND RETURN DEBT TO ORIGINAL CREDITOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have multiple delinquent credit card accounts/loans on my report that I never was aware of or made.
Product: Credit reporting, credit repair services, or other personal consumer reports

To start off, I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX in 2018. I am currently trying to buy a house through my bank. My bank keeps trying to access my credit scores, but is being refused my Equifax report. The error message that my bank receives from Equifax is " file suppressed, fraud request. '' There is no freeze or fraud warning on my Equifax account as per Equifax themselves and I can also see this on the account I created on their account. They suggested that it was being denied because the name on my account ( XXXX XXXX ) doesn't match the name my bank is using ( XXXX XXXX ). From there, I have been trying to update the name on my account. Equifax refuses to update my account with the new name. I first tried faxing my name change legal order to them. They apparently did not receive it within 3-5 business days. I then created an online account with them and tried disputing it online by only submitting the name change order. My first dispute was flat out deleted. The dispute number doesn't show up on my account and there is no dispute result to view or download. After calling, they said that they could see the document that I uploaded and the dispute on their end, but would need other documents such as my XXXX  card and a picture of my drivers license. I disputed it again and submitted those XXXX documents. Their response is that my name is currently reporting correctly on my equifax credit file ( as XXXX XXXX ) and did not change my name. I am now disputing it a third time, this time with the name change order, my XXXX card, my drivers license, and the information page of my passport. Seeing as they do not seem to care about actually doing their job, I would like to have the cfpb also contact them and put pressure on them to actually do their jobs. Since my name on their account does not match the one that my bank is using, my bank can not access my credit score and therefore can not approve me for a mortgage. This is actually causing me a lot of hardship because I do not currently have any place of my own to live. I am currently staying with family because I lost my apartment back in XXXX.
Product: Consumer Loan

I filed a letter of concern to Wells Fargo Dealership Services about the conflicting information regarding my vehicle payment. My response was one of threatening rather than corrective action. In fact, it was as if I should be happy that I was not turned into the credit bureau. Now I have been told three different due dates by agents of Wells Fargo. The first was at signing and I confirmed payment would be due starting XXXX each month. However, later when receiving documents I saw due date XXXX of each month. Then when I visited the branch bank of Wells Fargo, the teller said that I could pay how much I wanted on the note ( more or less than stated fee ) and within 30 days. Lastly, when complaining further via the phone and letter, I was told the XXXX each month. My funds come in by the XXXX monthly and that is why I had requested the XXXX at signing. It is unfortunate that each time I speak to administrators with Wells Fargo there is always a threatening tone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX!! 

I HAVE A HARD INQUIRY AND ACCOUNT REVIEW INQUIRIES THAT WON '' T GO AWAY I NEED YOU TO FINE THESE COMPANIES LIKE XXXX AND XXXX
Product: Debt collection

On XX/XX/2018 I sent this company a letter stating that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I received nothing back from them and they removed this item from my credit report that was account number XXXX for {$1800.00}. Now they have placed this item back onto my credit report under account number XXXX. for {$1800.00}. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I am demanding they remove all of these accounts from my credit report from all three bureaus.
Product: Mortgage

This is a rebuttal regarding the company 's response to my prior complaints. I have included additional supporting information, so please do not disregard this rebuttal. The attached documents provide a thorough description of the issue. Part of the text is included below for reference/context. 

I am writing this in rebuttal to BSI 's response which your office forwarded via email to me on XX/XX/XXXX. Additional supporting documentation ( copy of escrow closing document dated XX/XX/XXXX indicating XX/XX/XXXX taxes already paid in full prior to BSIs business relationship with me ) included to further support my position. 

My prior complaint and documents ( including property tax bills for the last six payments ) to help BSI try and resolve this matter are also attached. The fundamental issue is that BSI sent in an extra {$2500.00} check for property taxes ( and deducted the amount from my impound account ) which wasn't needed, and never cashed. BSI has failed to credit me back the amount, and hasn't looked at my documents or spoke with XXXX XXXX assessor 's point of contact I provided, in order to resolve this matter. 

BSI 's last response has misinformation - specifically, they keep repeating that they made a payment of {$2500.00} for XX/XX/XXXX taxes and that this accounts for the " extra {$2500.00} ''. But this is simply not true. 

The XX/XX/XXXX taxes were paid by my prior lender ( XXXX XXXX XXXX XXXX ), and the dollar amount was {$2500.00} - this occurred 5 months before I even had a business relationship with BSI ( which began after I refinanced my loan in XX/XX/XXXX which was then sold to BSI financial ). 

As further proof, attached is an image of the closing documents from that close of escrow/refinancing in XX/XX/XXXX- clearly showing ( see pen location ) that at close of escrow the XX/XX/XXXX taxes had already been paid, and that the next tax payment was due in XX/XX/XXXX ( which BSI paid delinquent in XXXX ). 

In addition, I met in-person with XXXX XXXX tax assessor 's office ( XXXX XXXX XXXX XXXX and received a subsequent email from her review of the last XXXX tax payments ( attached ) where she explicitly states that the XX/XX/XXXX payment was made by XXXX XXXX XXXX XXXX XXXX not BSI! XXXX XXXX also clarified that the " extra check of {$2500.00} '' from BSI was not needed and therefore photocopied and destroyed by her office. Her email includes the check numbers from BSI 's checks so that BSI can confirm that the check was never cleared/cashed. XXXX XXXX was even so generous as to offer to speak with BSI to help clarify the situation. 

However, BSI is choosing to ignore all of this supporting documentation and stick with their misinformed and inaccurate response.
Product: Payday loan, title loan, or personal loan

Trying to use XXXX but Pnc wont link accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX. I believe it was reported in error. 
XXXX XXXX XXXX : {$160.00}
Product: Bank account or service

NYS Child Support put Restraining Notice on my account. Now the bank is doubling the order. I want to close my account because Chase say I have to pay Overdraft or Insufficient Fund fee plus they Monthly Fee since I will not be using my account till this problem is resolve. I no longer want this account.
Product: Debt collection

I pulled my credit report and there was an account from Fagstar which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.
Product: Debt collection

I keep getting threatening calls from numerous phone numbers daily and letters for a debt I've tried to dispute many times over several years. This debt is now several years past the statue of limitations and this agency is falsely reporting this information tonally of the credit bureaus as a current debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA XXXX XXXX XXXX, has used my name and written insurance claim checks in my name but with the incorrect birthday ( the year is not correct ) on three different claim policies. 

XXXX {$10000.00} XXXX {$3700.00} XXXX {$6000.00} The information was used at an address I do not dwell in and is hindering me from getting homeowners insurance for my home i just purchased XX/XX/2022. When I called for assistance in getting this information corrected the company could not help because I did not know the security questions that the individual has used. 
I want XXXX XXXX XXXX XXXX to be notified too because they are the Mortgagee company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a lot of life event 's and have reached out to XXXX XXXX XXXX  / XXXX XXXX. Their location in XXXX, TX. XXXX XXXX location. I have just figured out that XXXX XXXX along with a company called XXXX " The mortgage is in my spouses name and has been diagnosed XXXX. I have been the co - contributor and the co-borrower. XXXX XXXX and our dedicated loan specialist have instructed me to list myself in this fashion. During the loan modifications. We have asked XXXX XXXX XXXX to asst four times. 
I didn't realize in the paper work we sent them every time that was always lost. We had given permission to access credit bureaus and every single detail of our private history.

Medical, insurance, social security, everything. I'm appalled, that they got assistance from another company that is affiliated somehow and double hit both of us with hard inquiries. I am accusing them of tampering with my ability to obtain credit and move away from the company..

I also know that the P M I insurance has paid them {$180000.00} and we have paid approximately {$20000.00} since 2010. I have asked them for the payment history and who the lender is. We always get contradictory information and statements.
Product: Mortgage

I have had a mortgage with Green Tree financial for well over XXXX years. I have tried numerous times to get them to refinance for a lower interest rate. I have had some ups and downs but over the past XXXX years we have been perfect, but yet they say they do no refinancing on existing loans. I have been paying 13 % on a mortgage that is crazy. I have vehicles and much more that have qualified for 5 %, but yet I ca n't get them to respond. Being bad is XXXX thing but this is really taking advantage of people and really bad business. I just wonder how many people they are really ripping off.
Product: Checking or savings account

I received a promotional flyer from Regions Financial Corporation in XX/XX/2021 stating I could open a new checking account and receive a {$500.00} bonus if I met the qualifying criteria, including a ) enrolling in online banking and b ) making 10 or more purchases with the account debit card, both within 30 days of account opening. 
I opened the account and then waited approximately 3 weeks to receive the debit card. From there I made 10 purchases, but the last 3 transactions were held in 'Pending ' status for a number of days, and only processed once the 30 day deadline was past. According to Regions this meant I did not meet the qualifying criteria and the bonus was denied. 

This feels intentionally unfair and deceptive - by not a ) providing the debit card in a timely fashion and b ) seemingly manipulating the processing date of transactions ( to Regions benefit ) it seems impossible to actually qualify for and receive the promised bonus. 

I made a complaint to Regions that this practice seemed purposefully unfair and deceptive and have received no response. I also closed my account to avoid receiving further fees associated with the product.
Product: Mortgage

Chase mortgage co just canceled my approved mortgage modification for my FHA loan after I made two of the " trial '' payments on time and sent the signed acceptance forms back, overnight with signature delivery as my mortgage specialist told me to do. The envelope was postmarked by XXXX XXXX, 2016 and I provided Chase with the tracking number as I was told. 

I was informed that more documents were sent to me that need to be signed and returned ( after I just got an envelope with the modification approval and terms-including a letter describing that to accept this the terms were to make the tree trial payments on time ) and there were payment coupons included. To avoid any further delay as I asked if these forms could be made available online as I was traveling at the time the acceptance forms were sent and was told no, so I had to get another family member to stay with our XXXX Uncle and went back home earlier than planned to get documents that Chase sent to my home. Now-I see that the Chase website has the whole process available online including all the forms. 
So now, I find out after all this that as of XXXX XXXX, 2016 that the process has been " closed ''! I sent another secure email to try to resolve this and have n't heard back. 

Chase has given me nothing but the run around about this for months and I 've jumped through all their " hoops '' and had one more pmt to make XX/XX/XXXX to make the modification final. And, now they pull this. I have read that there are over XXXX complaints on the Consumer Affairs website about Chase doing this type of thing to its customers and now unfortunately, I will also be one ... 
Please help me, I am now in danger of losing my home! I got behind due to health issues in the family. My husband became XXXX and can not work and then I 've been traveling out of town to help family members care for a XXXX relative and Chase repays my loyalty as a longtime customer ( formerly in good standing as far as payments until about 6 months ago )!
Product: Checking or savings account

I am 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: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires on my credit report that I did not authorize. Hard inquiries such as : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ),  XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries.Fraud alerts has been put in place with the credit reporting agencies. Identity theft has also played apart in hard inquiries and accounts. Accounts such as XXXX, XXXX, and XXXX. Letters were sent to all three agencies requesting debt validation for those three account, I have not received any response regarding my request for the hard inquiries and accounts to be removed from my credit report if they are unable to validate debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction with the multiple attempts made to correct the late opening of my accounts with your company. I believe that the repeated efforts have not yielded the desired results, and I am left with unresolved issues. 
I initially contacted your customer service department to address the tardiness in opening my accounts. Despite my efforts and the subsequent attempts made by your team, the issue persists, and it has caused significant inconvenience and frustration. 

Despite these multiple efforts, the matter remains unresolved, and I find it necessary to escalate this complaint formally. The late opening of my accounts has not only affected my ability to use the services promptly. 

I request a thorough investigation into this matter and a prompt resolution. Additionally, I would appreciate regular updates on the progress made towards rectifying the situation. 

If this issue is not resolved satisfactorily within the exact timeframe. I may have no choice but to explore alternative avenues to address this matter, including filing a complaint with relevant regulatory bodies. 

I believe in a fair and prompt resolution to this matter and trust that your company values its customers ' satisfaction. I am hopeful that this complaint will serve as a catalyst for addressing and rectifying the issues surrounding the late opening of my accounts. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX