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

XXXX, XXXX, and Experian are allowing XXXX  XXXX, a collections account from XXXX XXXX XXXX XXXX XXXX to keep going back on my credit reports. I've had the XXXX XXXX XXXX XXXX XXXX items removed in the past and they keep allowing the creditors to report them back on my credit file. I have been the victim of fraud and identity theft. the internal revenue service sent me notice that someone filed fraud tax returns in my name from XXXX so I have been having to deal with this stress as a XXXX veteran. I keep having to provide ftc reports for this and nothing gets done
Product: Credit card

As of XX/XX/year> I have tried every month until current ( XXXX ) to have UMB Bank/Credit Card update my old banking account information that they were taking my autopay out of to my now current personal banking account information. I got a notification that I had a late pay hit my credit report in XXXX due to being 30 days past due. I called UMB to figure out why and the lady told me they tried to debit my account and it was rejected. I explained to them that I have already notified them to update my information as I was unable to log into my account due to UMB closing my credit card. The girl I spoke to told me I had a past due of {$95.00} dollars and that would need to be paid to bring my account up to date. As these calls were recorded per the message on UMB 's phoneline, I asked to be sure that if I paid that amount my account would be current. Customer service said yes so I made the payment and told her to update my banking information which I gave her and she said she did. XXXX ended and I got XXXX late pay notice on my account for the month of XXXX which put a 60 day late pay notice on my credit. As I was trying to finalize a mortgage, that very negatively impacted that process. I called UMB customer service AGAIN notifying them and how upset I was. I explained to the agent what the previous agent relayed to me and the amount owed. The agent I spoke to in XXXX stated my bank information was never updated and she would update it for me and took another payment. At that time I wrote the headquarters in XXXX XXXXXXXX three letters demanding this be looked into and it fixed on my credit report. I never received any calls from HQ 's either from my letters or customer service agents that I demanded a manager call me back. I did have someone in the UMB collections department call me to put me on a payment plan and she told me she would MAKE SURE 100 % a manager would reach out to me and she also took my updated banking information to put in their system and promised it wouldn't happen again .... I never got any calls from UMB after that. So XXXX ended and I got hit with a 3rd late pay notice on my credit report. This time ( XXXX ) I called the HQ 's direct line and left a VM for XXXX XXXX which never called me back. I gave it a few days and called them back again which the lady directed me to a different number to call. I called the other number and spoke with a lady that was working remote and she stated she would make sure someone called me back. That was on XX/XX/year> and since then ( today is XX/XX/year> ) no-one has returned my calls. So I received a letter from XXXX dated XX/XX/year> that my payment of {$96.00} was returned due to insufficient funds from my XXXX account that I have requested time after time after time be REMOVED and updated to my current bank account at another bank. Now my UMB credit card account shows past due for {$380.00}!!! I CAN'T GET MANAGEMENT TO CALL ME BACK TO FIX THIS.
Product: Mortgage

I started a refinance on my principle home on or around XX/XX/2020 with Wellsfargo, which actually owns the note ( Im refinancing an existing wellsfargo loan ). I have also been a Wellsfargo member for 30 years. As of today, XX/XX/2020, I have not closed and after asking for a closing date, I have not been giving one. My impression is that Wellsfargo will ask for a document from me in a inefficient drip by drip fashion. Often waiting weeks before asking for another document. This of course delays the process further and results in expired documents resulting in them asking for the same documents that have been submitted. My impression is that they are delaying this process, possibly to allow interest rates to increase during the process. I did make a complaint via wells social media ask wells account and was assigned to an Executive Resolution Specialist in our highest office of escalation. This person by the name of XXXX ( the social media rep would not give me her last name ) essentially told me there was nothing she can do beyond just reviewing the case for me. She also mentioned that it is not unusual for a refinance process to last 5 months. I asked for my fees to be returned so that I can find a different institution to complete the refi but they refused saying that those fees were to third parties. A couple of days ago, I was once again asked for the same documents I have submitted twice already due to them being expired. I feel that essentially Wells Fargo is keeping me financially hostage because essentially they are refusing a refund of monies provided to them for a service they are not able to or willing to complete. My ask is for them to close this loan as soon as possible. I do not want the fees returned at this time because of the extensive time that has been invested by me so far. I am a XXXX XXXX who is already stressed due to the current COVID19 pandemic and this experience has only made it worse. Please close my loan.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying at home for my family. please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my car today XX/XX/20 however, I was unable to do so because my credit report came back with about seven accounts in negative standing. I didn't know these accounts were on my credit report because none of them belong to me. I am not responsible for any of these accounts nor did I benefit anything from them being open in my name such as money, goods, services or any other benefit and I never contributed to payments made towards these accounts. I don't know who these accounts belong to but I never gave anyone permission to open them in my name therefor I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. The accounts were opened with these companies which I am not affilated with in any way. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C Section 602 A.

States I have the right to privacy. 15 U.S.C Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

Tried to make a purchase through AFTERPAY, said purchase defaulted to my credit card of {$120.00} and is already paid for and AFTERPAY is still charging me as if order is not paid ( {$140.00} ), can not get a hold of customer service, no one is trying to resolved my issue instead being forced to pay for something I already paid for.
Product: Mortgage

On XX/XX/year>, I purchased a {$2300.00} homeowners insurance policy from XXXX XXXX. I cancelled this on XX/XX/year>. I currently have XXXX by XXXX. I have just learned, without notification from my HORRIBLE loan servicer XXXX by Mr. Cooper, that I now have an escrow shortage BECAUSE THE REFUND FOR MY CANCELLED HOMEOWNERS POLICY WAS NEVER APPLIED BACK TO MY ESCROW ACCOUNT. XXXX XXXX either neglected to send the refund or XXXX by Mr. Cooper never applied the refund to my escrow account. In any case, NONE OF THIS IS MY FAULT AND I AM FINANCIALLY SUFFERING DUE TO THE {$500.00} SURPRISE INCREASE IN MY MORTGAGE DUE TO THE ESCROW SHORTAGE. XXXX XXXX AND MR. COOPER NEED TO COORDINATE IMMEDIATELY TO APPLY MY REFUND TO MY ESCROW ACCOUNT.
Product: Student loan

I tried to access my EdFinancial Account to check on the status of my XXXX application on XX/XX/23. I kept getting a message that my login information was wrong, even though it was not. My account was then disabled with an Error Code 100. I tried to contact someone via the chat feature, but live chat has been disabled. I can not reach anyone via telephone. I tried to use the Email Us feature on the website, but that keeps timing out with a Bad Gateway error. I realize they are busy with payments starting back up, but their customers need to have access to their accounts to plan accordingly. I provided them with the tax information they requested and haven't heard anything from them in several weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report after finding out someone stole my identity. There were fraudulent inquiries on my report that I didnt authorize. Ive contacted XXXX numerous times disputing the inquiries with no luck! Please help me!!! It goes as follows : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Auto finance XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report incorrect information on my consumer report. I have submitted my identifying information on several occasions to get this information updated and LexisNexis has yet to follow the guidelines provided by federal law governing the consumer agencies that furnish consumer reports. My name is XXXX XXXX there should be no other name or names listed if there are they are incorrect. My address is XXXX XXXX, XXXX, MI XXXX there should be no other addresses listed in my report.
Product: Credit reporting or other personal consumer reports

Collection agency Fair collections and out. Has no ( forward flow agreement ) no original signature stating that I have business with them, they cant produce any payment information.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT SER : # 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 supposed to modify accounts that aren't reporting correctly. 

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: Credit card or prepaid card

XXXX XXXX denied me a credit card on Tuesday, XX/XX/XXXX ( which in itself is not a problem ). While they were able to inform me I had been denied both in branch and then over the phone, they refused to provide me with any proof of denial via email or through their system, informing me that they were unable to confirm that with another underwriting institution. Because they pulled a hard check on my credit, I am currently unable to receive that approved loan without the denial from XXXX XXXX. It is ridiculous that they were able to deny me within five minutes of applying and then supposedly unable to do so for at least 7 days. Additionally, during repeated phone calls to their customer service phone number, they repeatedly lengthened the amount of time it would take to receive my denial from 7 days to 11 business days.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number XXXX XXXX  number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the security data breach for XXXX and XXXX and I checked my credit report and saw credit card accounts and loans in my name starting in XXXX of XXXX that have become delinquent but I never opened these accounts on my own which let me know that Ive become a victim of identity theft.
Product: Bank account or service

Citibank closed my account because of " suspicious activity '' which was me going to a XXXX XXXX store to make copies and scan documents. I had to call and go over hoops in order to have my account reopened. They asked me for extended verification information even though I had done absolutely nothing wrong. Furthermore, whenever I deposit a check now to my account they intentionall add excessive delays in order to process the checks. Citibank is engaging in a pattern of harassment and unfair business practices. In addition, Citibank has taken over {$500.00} in overdrafted fees from my account just this year XXXX 2015 ). Citibank is illegally retaliating against me with their harassment and unfair business practices because I have previously filed complaints against them with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX XXXX XXXX XXXX. I have never been late in a payment and they reported I was 30 days late on a payment. I call every month to take care of my payment. There is no reason why this was reported to XXXX
Product: Debt collection

Monterey Collection Services has placed a negative mark on my credit report for {$2600.00}. I never received proof of this debt or written notice of right to dispute. I have no knowledge of this debt.
Product: Checking or savings account

i used my debit card at truist bank to enquire about my account ballance with another bank 3 times in 1 week. i was never imformed that there was a fee involved {$2.00} for the transaction. if ever i requested money from a atm that was not my bank i have always been imformed that there would be a fee and do i agree to that fee, but in these three cases i was never imformed of an inquire fee and i think that they took my money without my consent.
Product: Credit reporting

I have a company, XXXX, reporting information that I feel is incorrect based on the document that I have. Equifax has not provided me with their proof in order for me to verify. I checked with the county court of public record last year and the only document that was on file contradicted what was reported by XXXX on my Equifax report. I am looking to have the information correct. However, if the information is not accurate, I 'd like it removed because I would 've already suffered a higher penalty for the inaccurate information. I also had an issue uploading documentation that supports my case. That document is available upon request.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/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 assured information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.and according to 15 USC 1681s-2 they are suppose to 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.are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the informational maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to 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. 
XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX XXXX
Product: Mortgage

Payments post for the month, couple weeks later payment get moved to back payments, currently in chapter  XXXX  ... ..amounts not correct on website
Product: Checking or savings account

CAPITAL ONE BANK!!!!!!!!!!!!!!!!!!! 
My direct deposit did not hit my checking account on XXXX XXXXXX/XX/XXXX. Apparently, Capital One encountered an issue on Wednesday the XXXX but did not notify me until almost XXXX XXXX night. Customers were told that the issue should resolve by this morning, Friday the XXXX. It is currently XXXX XXXX finds still have hit my account and its a XXXX day weekend. I am stressed and in a bind and need my money asap!!!
Product: Payday loan, title loan, or personal loan

Yesterday this " loan company '' called me inquiring about co-signing for a loan for someone and I specifically told them I do not approve of this and they can cancel the application. I am a XXXX XXXX, I was working a 16-hour shift when I got several notifications on my cellphone from all 3 credit bureaus stating that a loan was taken out in my name ( unknown to me and unauthorized ) and someone had forged my signature! I called the loan company as soon as I got off of work at the number that was on the loan document, and the number they called me from yesterday while I was working but they are not reachable. I suspect that this " loan company '' is a scam/ not accredited because of the XXXX report and the complaints. I have left a voice mail for the loan company to call me back but I have not heard from them, I have even emailed them, and no response. Someone took a {$7000.00} loan out in my name without my consent, this is unprofessional conduct on their part because I told them that I do not approve and to cancel the application when they called me at work yesterday! I need the GM to reach out to me immediately because I don't want my credit to suffer because of this.
Product: Debt collection

i got a collection on my XXXX report that i did not recognize and never receive any validation about the debt. 
Original Creditor : XXXX XXXX and last report was on XX/XX/2022
Product: Credit reporting or other personal consumer reports

TransUnion did not due to proper investigation into several Hard inquiries leading to a decrease in credit score which then made any loan be at a higher rate. This affected two car loans and a mortgage loan increasing the cost of well over XXXX XXXX over the course of the loans. TransUnion had a data break that caused my rating to be lower than it should have been. Additionally request to remove data I.E Personal, Hard Inquires, Removal of Late Payments under disputes submitted using 15 USC 1666B and 168152 request repeat thereby causing a reduced ratting and causing the increase rates for loans or credit card request and has cause denial for this causing hardship financially
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has made it impossible for me to dispute errors on my credit report even though I am a victim of their data breach. I have tried more than a dozen times doing it online and a couple over the phone. No negative remarks should be on my report.
Product: Mortgage

I have made payment toward principal {$14000.00} from XX/XX/20 to XX/XX/20 at Bank of America HELOC account.XXXX {$640.00} XX/XX/20 {$1800.00} XX/XX/20 {$680.00} XX/XX/20 XXXX XX/XX/20 {$2900.00} XX/XX/20 {$28.00} XX/XX/20 {$1800.00} XX/XX/20 {$1000.00} XX/XX/20 {$3300.00} but it reversed into unapplied founds since XX/XX/20 I have been talking to Bank of America until today XX/XX/20 but only {$5800.00} was credited to principal balance only and {$8300.00} is still in unapplied funds. I talked to more than dozen people at bank to fix this and every time they forward request to escalated team. I was told to wait till Friday each week but it did not fixed and it's all in the record and I have given confirmation numbers ex ) XXXX, XXXX, XXXX. Please believe me that I tried so hard with bank to help me to credit and allocate the funds to principal on the day I paid. I waited over tow hours to talked to bank and many times I was put on hold and disconnected so I had to call them back again waited another two hours.Today I got disconnected again. Not knowing when Bank of America will fixed the problem, I had to seek for your help. I would like to know why they credited only {$5800.00} and not {$14000.00} when they were fixing the issue which I could not understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved XXXX letters about closing the accounts. 
This is my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in XXXX, when I stopped paying it. The loan was never refinanced.
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 significant funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. The issue aligns with the recent CFPB findings against XXXX XXXX for similar practices when transaction settle with insignificant balances despise initially available fund, I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting or other personal consumer reports

There are hard Inquires on my report, cards I do not have, things I don not recognized or thing that I have but are still showing as a inquire and is impacting my credit score.