23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

State Farm Bank deducted a {$100.00} payment from my account twice for XX/XX/XXXX. I have tried to contact, but they have refused to answer any attempt to reach them ( despite their website stating that they will respond within 2 business days ). I have contacted them at least three times, and they are just plain and simple ignoring me.
Product: Money transfer, virtual currency, or money service

Direct Express through Comerica bank is the most horrible organization I've ever dealt with. Now when I ordered a new XXXX card they keep me on hold for hours because they do not help customers with the money that is ours. This organization Direct Express and Comerica Bank need to be sued for Consumer Fraud. I need to pay my storage bill or else they XXXX you out and charge you late fees. Comerica Bsnk needs to be sued and their license taken away! I can not get through to them.

I've been on the phone for 2 plus hours with no answer! 
How do XXXX get away with this? 
I'm on hold as I write this now for over an hour!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, XXXX is reporting inaccurate information to my credit reports based on wrong information given to them by the following collection agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give nor did I sign any contract given the original creditors the right to sell the account for the purposes of harassing me and damaging my credit. 
Also XXXX XXXX XXXX is reporting my medical information which is a violation according to the Hippa Law. XXXX is the second collection company that my medical info has been sent to.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  I received an email from the Dept of Education regarding the discharge of my student loan with XXXX. I reached out to XXXX and have been unsuccessful in removing or receiving any remedy regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC BANK failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw
Product: Mortgage

OnXX/XX/XXXXI acquired a HELOC in the amount $XXXX from BMO Harris bank to buy a property. When I applied for the loan the loan officer failed to provide me with my credit score. I believe I had a good credit score to qualify for a lower interest rate on may loan. I believe that the loan office abused my lack of knowledge of my credit score and sold me a predatory loan. I commenced paying on the loan for five years and the principle amount never decreased. Later on I found out I was only paying interest only. The terms were never explained to me and were very obscured. After making all the required payments towards the loan which ended on XX/XX/XXXX I received a letter from BMO Harris bank that we had to still pay them the amount of $XXXX. I explained that we had made all the payments to which they informed that payments were only to interest. I tried to enter into a payment plan as I did not have the full amount. BMO Harris was not giving me any affordable options to resolve the money owed.After requesting a copy of my documents such as payment history and copy of credit report used at the time of the loan, the bank refused to provide me with those documents.
Product: Credit card

I paid off my Capital One credit card years ago. I just never closed the account because I thought it would look better on my credit report to have a zero balance than a closed card. When my new card arrived after the old one expired it had a sticker on it with directions to call for activation. I kept this sticker attached and never called. I filed the card away in a safe place. Years go by and I forget I even have/had this account. Suddenly in XX/XX/XXXX I get alerts that the card is being used. Immediately I call Capital One. I get nothing but the run around. No hassle card?? This is anything but. I pull out the card to reference it & the valid dates are XX/XX/XXXX thru XX/XX/XXXX. Keep in mind this card was never used, the account inactive since XX/XX/XXXX. This card was NEVER activated. After several calls they send me what looks like a novel in the mail with with a ton of paperwork to fill out about the charges. Then I have to check off each & every charge that I claim is fraudulent. That 's EVERY charge!!! Pages & pages of them. I fax the many pages to them. Get another past due bill in the mail. More calls made. Turns out after all this they did n't close the account or flag it?! How does someone continue to make purchases, does this bank have any common sense? Call again & order the account to be closed. Finally get a notice on the mail everything is resolved. Two weeks later another bill for past due amounts. I call again. Apparently only some of the charges were resolved as fraudulent, not the later charges. This is going on 5 months now. What a joke. Honestly feeling like this bank is nothing but a giant scam. This particular card has an expiration date of XX/XX/XXXX. Is this a coincidence that after years of inactivity just months before the account expires again there 's hundreds and hundreds of dollars charged? Some that required a currency exchange so obviously out of the country? I 've never even been out of the country. Either the company itself is a giant scam or employees are stealing the information. No other way anyone would have had access to the account, it was n't even an active account. Not only would I never recommend anyone ever do business with this bank, I highly recommend closing accounts if you have them & do n't let anyone you know use this company for any type of loans or credit cards. Still not a resolved issue, I could n't be more annoyed or frustrated. Do n't walk away from this bank. Run. I 'm actually nervous they have my information in their system, I do n't trust them one bit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my credit report and was shocked to see the numerous amounts of errors XXXX  have listed. I am filing a complaint to have remove them immediately. XXXX Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.
Product: Credit card

This account with hsbc still double report on my credit reports XXXX Is over 8 years that I made my last payment and they still reporting it. If they ca n't send me a debt validation then take this off my credit reports. And they have XXXX as their collection agency and they are reporting it too. It was paid in full to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card a few weeks ago and I was not approved instantly and today XXXX/XXXX/20 I got a letter stating that the reason I was not approved was because there were too many accounts in negative or derogatory standing on my credit report. I had no idea what accounts they were referring to because none of my accounts are in negative standing. I checked my credit report just to make sure it wasn't a mistake and I found about 8 accounts on my report that are not mine. I had no idea these accounts were even on my credit history and I don't know who they belong to. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I do not have any relationship or affiliation to any of the companies I listed in this report and I have already filed a police report regarding these suspicious accounts.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a written letter to Experian to investigate an item on my credit report that is incorrect. Experian did not investigate my request, instead I was sent an email stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request XXXX 

I then sent another written letter to Experian on XX/XX/XXXX explaining that I did in fact write the letter in simple language and to delete the error on my report due to failure to investigate, I then received another email stating the same exact thing. " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request XXXX 

I personally believe this is a stall tactic and they are unable to property verify the information on my credit report, but refuses to delete the incorrect information.
Product: Mortgage

I was told that FHA loan servicing companies had to provide web portal access to view their mortgages. I have been using Rocket Mortgage without any problems for some time however they have recently implemented MFA or multi-factor authentication. This requires a cell phone to authenticate on their website. I cancelled my cell phone and they are refusing to provide me with access to my mortgage information without one. Having a cell phone was not a requirement for a FHA loan so I believe they may be engaging in class warfare against those unable to afford cell phones. Is this new policy that they implemented even legal? I mean they won't even give me the option to authenticate via an email code, it MUST be a cell phone. If this is legal, will they provide me with a cell phone to use so I may authenticate on their website?
Product: Credit reporting or other personal consumer reports

I have one Inquiry still showing on my credit report for XXXX that was open in XX/XX/XXXX it should have been closed in XX/XX/XXXX. 
XXXX XXXX XXXX bank was a settlement and should be removed from report XXXX, XXXX XXXX KOHL 'S was a settlement and should have been removed from report open in XXXX. 
XXXX was a settlement and should been removed from report open in XXXX. 
XXXX XXXX XXXX was a settlement and should be removed from my report XXXX, XXXX XXXX
Product: Credit card

On or about XXXX weeks ago, I dropped my Capital One XXXX XXXX while shopping in XXXX XXXX XXXX, FL. After hours of trying to find it, I reported it lost to Capital One and requested a replacement card to be sent to my daughter 's address that I was currently staying at, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. I was assured it would be sent and the call ended. 

About XXXX weeks later I had not received the replacement card and again called Capital One to inquire about the issue. They could not advise why I had not received the card, made me jump through hoops to get it reported " lost '' again. This time they said they would send it expedited XXXX business days, charge me {$16.00} for the service ( refused to waive this ) and I would get a tracking number for the card to my email. 

XXXX weeks later and the card is no where to be found, no tracking number received and when calling Capital One yet again, they have charged me the {$16.00} expedition fee but can not provide the tracking number ( i.e. they lied and never sent it or put one on it ). Now their manageXXXX XXXX can't do anything to expedite the card I have needed for weeks now, nor can she yet again provide me a tracking number over the phone. This company has lost all caring for its customers, and all trust is lost. Capital One needs to be investigated.
Product: Student loan

A complaint was filed about 6 months ago with this company ( NAVIENT ) because I was paying on their coupons and then every month I paid, I was getting late notices. I then asked for new coupon payments so that ALL fees would be included. I also asked that any credit report items be fixed because of their inactivity. 

Navient never responds to letters ( I have sent six this past year, three were certified, no response to any ). I do not use their online portal due to issues in the past. I want all responses via regular mail. After my last complaint, I got a listing of payments made and am still checking them, but there was no explanation on why I would pay and then get late notices. I was paying on time and then getting extra charges. 

I am sending a certified letter today XX/XX/2019, asking for a 2-3 month deferrment and a NEW payment booklet with all charges by month so that if I pay on time, I should not get calls and letters saying I still OWE money. I don't make up the payment booklets, they do. They were suppose to send a new one after my last complaint, but only sent a list of payments. I really need a definite payment, by month and no hidden or extra charges. I can not respond to emails send that will not allow responses or texts that do not allow responses. 

They are the MOST frustrating company to deal with.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received a check for the surplus funds from the sale of my late father 's house. The check was " Pay To The Order Of XXXX XXXX, affiant for the estate of XXXX XXXX XXXX ''. I was advised by my lawyer to deposit my check at a bank that I already bank with so I took it to my local Chase branch. I was able to open an estate account and deposit the check, a few days later the check cleared and showed up whenever I logged in to online banking. One day I received a letter from Chase and was told that my account would be closed. I called the banker who helped me open my estate account and was told that the back office for Chase said they needed my court paperwork resent to them, all the forms were immediately resent. A few days later I received a cashiers ' check from Chase and a letter that said that my account eas closed. This new check no longer has my name on it, the check now reads : " Pay To The Order Of Estate of XXXX XXXX XXXX ''. Since my new check doesn't have my name on it, I can not deposit it anywhere and just as Chase has said when I asked why my account is closed, I need a letter of authority or a letter of testimentary in order to open an account. The state of Missouri where my father passed away does not issue the court paperwork that every bank is asking for. I contacted banks in Missouri and I am able to deposit my new check there using the court paperwork I have but even those banks can not deposit the check unless my name is on it. I have called customer service several times and explained what was going on. They told me that any physical branch would be able to add my name back on my cashiers ' check but whenever I go into a branch I'm told that this isn't possible. I have visited 5 different branches in the surrounding cities where I live and I have been to an additional 4 banks to ask if anything could be done with my cashiers ' check, many banks said that if only my check was addressed similar to the original one they could deposit it in their banks but all Chase branches are asking for court issued paperwork I am not eligible for.
Product: Credit card

Jcp has joint account I never sign for in my divorse it says he responsibility of own accoutnts
Product: Debt collection

I moved from XXXX XXXX XXXX  in XXXX and had XXXX XXXX XXXX on my house that I was renting. I moved into my in-laws house in XXXX of XXXX. Called XXXX multiple times and told them I dont have a house of my own to put the system on. XXXX was okay with that as long as I was paying my security equipment loan. I paid the loan off in the middle of XXXX. Two months ago I got a text message out of the blue saying I owed {$1700.00}. I called the number to find out what the issue was. They said that XXXX had sent me into collections. I havent heard from XXXX since XXXX and now it has hit my credit with a Derogatory mark and lowers my score by XXXX points. I was never notified of a debt of that amount and furthermore was never provided any notice that I would be sent to collections. This debt needs to be removed from my credit report and the collection account closed. I do not owe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  XXXX Account Number:XXXX  FTC Identity Theft Report : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian Consumer Reporting Agency , XXXX Consumer Reporting Agency , and XXXX Consumer Reporting Agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX on XX/XX/year> under account # XXXX. 


This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries as reported. The aforementioned account and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account and hard inquiries are the result of identity theft and as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Submitted On Time : My payment for XX/XX/year> was submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. 
System Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. 
Inconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I tried making a payment on this account multiple times last year and I could never access the system. The creditor could not pull up my information and when they found my name in their system the refuse to speak with me because they adviser the date of birth on file and social does not match what I provided to them verbally. This accout Has caused my credit to drop significantly and has also hindered with creditors. I would like this account removed from my credit reports The creditor is FORTIVA XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX