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

A check in the amount of {$5100.00} was deposited to Citibank account ending in XXXX which is now closed, in XXXX of XXXX, issued to myself from XXXX XXXX Mediation Program Administrator.. The item was intercepted by a cousin with similar name, XXXX XXXX, signature forged, deposited via mail I believe. The cousin does not use a middle initial, my middle initial is XXXX for XXXX. Further, this account was opened fraudulently using my social security number by him, he is unable to open deposit accounts due to credit issues. He intercepted check after I moved from address which was in XXXX of XXXX, check was sent in XXXX via XXXX, intercepted by him. I moved to XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XX/XX/XXXX. Check was sent to prior address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XX/XX/XXXX. I became aware of this in XXXX of XXXX, alerted XXXX XXXX of non-receipt of payment, an affidavit was sent to me in XX/XX/XXXX to investigate. The investigation closed, supposedly resolved, Citibank claims account opened in my name, unaware of fraud including opening of account and interception of check ... .This information from Citibank was provided to me by XXXX XXXX XXXX my claim rep with XXXX XXXX . This payment represents compensation for unauthorized accounts opened by XXXX XXXX reps in addition to current account, the premise for bill pay when only XXXX account is needed for such service. I request Citibank release funds from account, send them back to XXXX XXXX in order for them to pay me for this item.
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of RMP XXXX for what they are stating is a medical account. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the account. In addition, I have not received a call, text, or email which has furthered my suspicion of how this debt made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Debt collection

I settled this account with LVNV collections attorney XXXX XXXX XXXX in the amount of XXXX. I made 3 payments. last payment was received on XX/XX/XXXX. closing this account out. I am still seeing this account open. I was told by LVNV that they havent gotten anything information from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they didn't have any information for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : # ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks. 


Update the account to Paid on time and never late. Or remove it from my consumer report.
Product: Credit card or prepaid card

JP Morgan Chase will not permit me to obtain my monthly credit card statement. I am signed up for electronic delivery, and receive notices by e-mail telling me the statement are available. 

When I try to obtain my statements, the JP Morgan Chase website says " We don't recognize this device '' and then no further progress is available. 

The payments on the cards are now past the due date, and damaging my credit. 

I sent a letter to XXXX XXXX, the CEO asking for help. I receive a call from XXXX claiming to be in the CEOs office. When I call back XXXX ext. XXXX, no one answers the phone. I have left at least XXXX messages, but never get a call back. 

My accounts are still unavailable and the intentional damage by JP Morgan Chase continues. 

Where is the accountability?
Product: Student loan

in XXXX I was diagnosed with a rare XXXX at XXXX years old. It has left me unable to work for the past 5 years, and I have needed to undergo various intense medical procedures in order to battle back the XXXX, i.e. XXXX and XXXX treatment. At the time of diagnosis I contacted Navient in order to come up with a manageable pay back plan, or forgiveness of the loan in case I die from my XXXX I want my co-signers to be released. There are no options for some one in my position other than to do interest only payments, or keep paying off the loan balance. My cosigners ( my parents ) are responsible for paying back the balance in full if I pass away from XXXX. I give half of my income every month to Navient because I do n't know any other way to make this loan go away. However, my income is roughly {$800.00} a month from XXXX, so loosing {$400.00} every month to a student loan payment is pretty discouraging when there 's no end to my illness in sight and I still owe over the amount I borrowed to attend college. I had been assured at the time I took out the loans from XXXX that interest would not be added to the balance as long as I remained enrolled in school, but that was not true. The company added interest even while I remained full time enrolled in college from XXXX to XXXX when I graduated. I ask the company bi-annually if they have created any options for a loan holder in my position and they have not. My loan balance is roughly {$64000.00} at this time, paid down from {$72000.00}. I originally borrowed {$62000.00} to pay for college tuition.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX and 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. states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for this item to be removed from my credit report it does not belong to me and the credit bureau have feel to do so. I requested for signed contract with my signature. What i received was a bogus contract with no signature something the credit collection agency made up. Please remove this fraudulent information off my credit report. What the collection agency sent me was a bogus made up contact. No signature no id no nothing. The contact that was sent is just a made up document. The credit bureau is not protesting my credit from bogus mad up stuff. This is not a contact signed be me or an account that I ever owned
Product: Money transfer, virtual currency, or money service

I was walking off of a plane, and received a phone call from a man claiming to be the Fraud Manager of the Bank of America fraud department. The caller ID phone number was actually the Bank of America phone number at XXXX... so I didn't question it. He then said that he just needed me to 'tap ' a few steps on my online banking app to 'fix the problem before money gets taken out because of this Identity theft going on. SO, I reluctantly clicked the steps he asked me to take, and he ended up walking me through WIRING him two transactions totally over {$49000.00}. I still didn't believe it was a scam, but the same person, named XXXX XXXX called me the next day at XXXX sharp and actually asked me to go to my local bank, take out cash and send it to him- his reason was that the FDIC needed to see the serial numbers on the bills so that they know it came from me. It obviously didn't sound right, however, I did stupidly send $ XXXX more to this f**cker, and I finally called the REAL Bank of America fraud department and that's when I knew it was 100 % scam. I'm humiliated, embarrassed, XXXX XXXX XXXX and that {$64000.00} is all of my saving for the last 20 years. I filed a report with the bank, the FBI, the local police, the county and now to you. PLEASE HELP
Product: Credit reporting, credit repair services, 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Freezing my credit needs to be free. Credit monitoring is no longer an effective solution after the equifax breach.
Product: Mortgage

We closed on a property in KY on XX/XX/XXXX. On XX/XX/XXXX over 6 months later we were contacted by Springdale Title informing us that our escrow account was overdrawn. We were told that our tax amount for the year XXXX was more than estimated on the XXXX settlement statement. The amount demanded raised flags to us as it was a very large discrepancy. After it was brought to our attention, we requested a statement we could reference detailing why we owed this money and how Springdale Title calculated the exact number. We were provided a hastily produced word document that did not help us ( no debit or credit indication for each amount that was given ). Eventually between our emails with the company, the word document and our statement settlement from closing we determined where the error was made. The estimated taxes paid by the previous owner had not been correctly credited to the XXXX estimated taxes. Rather, the money was credited directly to us XXXX the borrower ). After some back and forth with Springdale Title, they admitted there was an error made on our final closing settlement statement. 

We do NOT dispute that we owed Springdale Title {$1300.00} to remedy our escrow account overdraft. We paid the amount requested XX/XX/XXXX. 

Our grievances/complaints are as follows : - Springdale title did not initially admit that they had, in fact, made an error.

- Springdale Title initially asked for an incorrect amount. In total, we were told our tax burden for the property for the year XXXX would be 3 different amounts ( one amount before the property taxes were paid and two different amounts afterwards ). These 3 amounts were significantly different from each other, which did not instill confidence.

- Springdale Title demanded payment via email with no documentation supporting the specific amount they were asking for to remedy the escrow account overdraft.
Product: Checking or savings account

My mother who passed away in XX/XX/2022 had a checking account and an IRA with Regions bank in Alabama. I was named on both accounts as well. I first contacted the XXXX branch in XX/XX/2022 about closing the accounts and forwarding the proceeds to me. As of this writing I am still trying to collect approximately {$500.00} which they are holding in the checking account. The bank has sent cashiers checks without signature and has twice required that I forward notarized requests and copies of my mother 's death certificate. Each amount of money I have collected has required a great deal of follow up on my part. The current amount in the checking account is a distribution from the IRA that was done in error due to Regions delays. They have stopped responding entirely to requests for collection of this amount. At this point I have to think Regions is being deliberately obstructionist so they can hold on to funds as long as possible.
Product: Checking or savings account

It was in XXXX when they shut down my account or XXXX for a navy to navy transfer I received XXXX navy to navy transfers from people I know and had them call and verify that they sent the transfer and I did not get my account back it got closed with XXXX in my account still till this day
Product: Credit reporting or other personal consumer reports

Capital One Bank XXXX XXXX XXXX ACCOUNT ENDING IN XXXX HAS VIOLATED MY RIGHTS. ACCORDING WITH THE CREDIT REPORTING ACT. 
15USC 1681 SECTION XXXX STATES HAVE THE RIGHT TO PRIVACY. 

15 USC 1681 SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LTE FOR AND PURPOSE.
Product: Student loan

MOHELA has mischaracterized my XXXX consolidated Direct loan as XXXX separate loans : XXXX XXXX  Consolidation Unsubsidized XX/XX/XXXX {$1400.00} ' and XXXX DL Consolidation Subsidized XX/XX/XXXX {$14000.00} ' This is entirely incorrect. They were consolidated into XXXX loan ( it was a 'consolidation ' of XXXX loans! ) XXXX XXXX XXXX ( subsidized ) loan. I have *never* had an unsubsidized loan of any sort : I had XXXX XXXX and XXXX XXXX, so there is no way that after MOHELA 's XXXX I should now have XXXX separate loans, XXXX unsubsidized. This mischaracterization only appeared in the last couple months and was not at all present when I consolidated the loans in XXXX or the intervening months. I have contacted MOHELA numerous times about this matter, including in writing, and they refuse to address their egregious error or respond specifically to me about it. 

I am attaching the screenshot of how the loans appear and a copy of my ( successful ) application for consolidation from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Tranunion isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts listed on my Equifax credit report, as I believe they are unverifiable and inaccurate : 1. XXXX XXXX XXXX Account in the amount of {$870.00} Account in the amount of {$920.00} 2. XXXX XXXX XXXX Account in the amount of {$14000.00} Equifax has previously responded to my dispute by stating that the XXXX XXXX XXXX accounts were verified. However, I have never received any documentation or proof of these debts from XXXX XXXX XXXX. Additionally, I have never had a contract or signed agreement with XXXX XXXX XXXX, a collection agency acting on behalf of XXXX. XXXX also has no record of any application bearing my signature. 

Similarly, regarding the XXXXXXXX XXXX XXXXXXXX account, I have not received any proof or validation of this debt bearing my signature or an application bearing my signature. I have no recollection of any agreement or contract with XXXXXXXX XXXX XXXXXXXX, and there is no documentation provided to substantiate this claim. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a full and documented verification of any account reported on my credit file. Without such proof, Equifax has no grounds to claim these accounts are verified. Furthermore, under the doctrine of estoppel by silence, as supported in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, it is assumed that failure to provide proof when required indicates that no such proof exists. Therefore, if XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX can not produce documentation proving these debts, it should be presumed that no such debts exist.
Product: Credit card

Applied for a Home Depot store card. Website stated they would do a soft pull. Applied after they said it would not affect my credit score. Was told would take a few days to process. 3 days later was denied then they pulled a hard inquiry on my account that I did not authorize. Called Home Depot number would not Connect me to a human. Called XXXX to start a dispute and Julio told me that he cant do anything unless I call Home Depot. As I said you can not speak to a human. I would have not applied knowing they would lie and pull a hard report. They also gave me an inaccurate credit score as experian shows XXXX points higher than Home Depot. the inquiry was on XXXX per XXXX website. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Idispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I was XXXX, XX/XX/XXXX when my car payment was due, I had my ( then ) girlfriend, ( now ) ex girlfriend do the transaction for me so I don't get my car repossed. when I got out I usually go over monthly expenses to see what im behind on when I did I found a transaction on my XXXX account I didn't authorize at all I contact chase to tell them and they said take it up with her, it was a mistake to trust a somebody but anybody can try to get over on you, even family! the transaction was for XXXX dollars and chase is putting up a fight for my money that's not even a lot of money
Product: Credit reporting, credit repair services, or other personal consumer reports

Community Bank/VCTRSSEC {$220.00} XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$510.00} XXXX XXXX {$120.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$810.00} In accordance with the Fair Credit Report Act. This creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can nit furnish an account without my written instructions under 15 USC 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

Ive submitted complaints numerous times about inaccuracies on my credit report and they refuse to properly investigate and remove the inaccurate accounts. This will be their last chance before I file a lawsuit. I have multiple records of the complaints and proof of inaccuracies I submitted numerous complaints through the cfpb website to have them investigate the following accounts XXXX XXXX, XXXX XXXX .The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.The payment History dates are inaccurate. The account balances are inaccurate. This ground for removal they also violated my rights under 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: Checking or savings account

I recently opened a savings account with UMB Bank in XX/XX/2023 I am now going through card restrictions the information with the cardholder service are not communicating with my actual banker at UMB Bank in XXXX  XXXX Missouri. My first debit cards I did not for almost 2 months I was told to discard a card ending in XXXX I never received such card. I would like to put a alert on my card services and please make sure there are no other accounts in my name and that no other cards debit cards have been rerouted or shipped to a different address My name is XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

alot of data entered on my credit report is invalid with Equifax. I am intrested in removing all incorrect information that is hindering my credit report.