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

Experian has not removed a item from my credit that was removed by XXXX  and per XXXX  is about to be removed : I item is passed the time for reporting to my credit. it was removed, sold and put on as a brand new claim. I paid off my XXXX  account as well. So it was paid off and it also was removed by XXXX, then result, doubling the time on my report. 
so not only was it paid but time already lapsed on it and XXXX removed it themselve, they then sold it and the new company restarted the time XXXX XXXX XXXX XXXX the XXXX  card i have on file was created without my consent, i received and used no card but it shows late payments. theose were fees they charged me when i never had a card. ialso deserve my money back from this company. i called they said the money removed from my bank account would be credited back and they never have they need to remove the late payments XXXX XXXX and managenent was also removed by the other berues as it was found not accurate and was paid long ago XXXX  XXXX  XXXX for XXXX also removed for same reasons, they could not verify the information and it was paid by insurance they also are not reporting my rent of XXXX each month when it is reported to them I was also effected by covid and i tried reporting this but they will not allow me to report anything i used a credit repair agency and thye made things worse so now i cant dispute with experian as they say investigations were already done, but i do not know what the credit repair agency told them how can i report a dispute if they block me XXXX  amazing company only issue is the rent is not reporting the XXXX  card i have on file was created without my consent, i received and used no card but it shows late payments. theose were fees they charged me when i never had a card. ialso deserve my money back from this company. i called they said the money removed from my bank account would be credited back and they never have they need to remove the late payments XXXX  amazing company the XXXX  card i have on file was created without my consent, i received and used no card but it shows late payments. theose were fees they charged me when i never had a card. ialso deserve my money back from this company. i called they said the money removed from my bank account would be credited back and they never have they need to remove the late payments
Product: Checking or savings account

On Thursday, XX/XX/2019 I received a call from TD bank stating that someone tried to deposit money into my account and my account will be locked until I go into a bank and open a new one. That was all the information I was ever given, the amount and branch and name of the person were withheld from me ( I was not expecting a deposit and told them so ). That following Tuesday XX/XX/XXXX, I went in to the XXXX TD bank ( XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX FL ) and opened a new checking account. My previous checking account was not closed, and I was not granted online access to the new account. On Friday, XX/XX/XXXX I received a deposit into the old account from a client that mistakenly deposited into it instead of my new account. I called the TD bank fraud department and spoke to XXXX, on XX/XX/XXXX XXXX transferred the funds but was unable to close the old account, he told me to contact them the next day to close out the old account, he also expressed to me that it was fine as long as it did not happen again. I called TD on Tuesday XX/XX/XXXX and closed out my old account. Two days later they sent out a letter stating that my checking account will be closed as of XX/XX/XXXX. 

I do not understand why my account was closed, I have followed all proper procedures and brought them a lot of business. I do not understand why I am suffering consequences for THEIR mistake of leaving my old account open. I updated all of my clients with the new account number, due to a simple error I will now be unable to conduct legitimate business through what once was my favorite bank to work with. If my account is not restored I will definitely recommend any clients I do business with to stop banking with TD as they do not have their customers in mind, and blame the consumer for oversights made by the bank itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX My name is XXXX XXXX XXXX for some reason Transunion has me has XXXX XXXX XXXX so I don't know if this is thevreason I can not get my fico 8 Tansunion Score i paid for my scores Transunion is showing 4 accounts 1 inquire and no score on my XXXX credit card with free transunion score 8 it says XXXX score or score not available.
Product: Debt collection

I sent XXXX XXXX a letter requesting validation of the debt. All they sent me was a contract with electronic signatures. This is not sufficient proof. Anyone can submit an electronic signature. Also there wasn't a chain of custody or any other documents they should've receive from the original creditor. 

They are also attempting to collect interest on this account which I know for sure is illegal because the original contract they sent did not have any language saying interest could be collected. So it is illegal for XXXX XXXX to charge me interest.
Product: Mortgage

From XXXX the alleged interest rate was 4.5 % and from XX/XX/XXXX-Present the interest rate is 6.5 %. I would like to see the documentation to support the interest variance. My alleged original principle balance was {$640000.00} and is currently {$640000.00}. I would like to see documentation as to why this amount has increased. There is a reinstatement quote dated XXXX/XXXX/15 which is a breakdown of the alleged amount of {$68000.00} alleged interest due of {$170000.00}, alleged escrow amount of {$210000.00}. I would like to see the breakdown report to support each XXXX of these charges.
Product: Credit reporting or other personal consumer reports

I believe that these accounts were associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Product: Mortgage

We were given a 4 month trial period plan agreement to an FHA-HAMP loan modification starting XX/XX/2018. We made the XXXX and XXXX payments. 
As of XX/XX/2018 Bank of America sent us a letter saying we missed the XXXX payment. They are threatening to send us into foreclosure and make us homeless. 
We had called them on the phone XX/XX/XXXX to make the payment using correct bank routing and account information verified by our credit union. The money is still in the savings account we gave them permission to withdraw the funds from. We have been calling them several times to make sure they get the payment, but could not resolve the issue with them. Now, due to their inability to make a simple ACH transaction out of our savings account, Bank of America is giving us 30 days to make other arrangements to live! 
We have been calling them since the first attempt to pay on XX/XX/XXXX up through XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL CREDIT UNION CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT ID COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE NAVY FEDERAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate things on my credit report. it has now been 30 days and my requests have not followed up with. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days so they should be removed promptly. I demand these accounts be deleted immediately or I will file for litigation do the stress you called me. I was also effected by the XXXX data breach and my information may have fell into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Debt collection

My identity was stolen and I am unaware of the origin or to whom this debt truly belongs to.
Product: Checking or savings account

Haven't been able to access my money since i opened the account, they restricted my account without any forewarning, they aren't open on the weekends so I want without being able to access funds, no communication on their end unanswered emails and the automated system kept telling me that my info didn't match what they had XXXX file. Account was unrestricted for a day and they restricted it once again, still haven't recieved a response from the dozen emails I've sent, they keep declining my ACH transactions. I just want my money so I can close the account and take my business elsewhere. XXXX is a joke
Product: Mortgage

This complaint is against the XXXX process for Hurricane damage. After waiting nearly 2 years for a settlement on the insurance claim, a check was sent in and the process with XXXX  began. After reviewing other complaints it has become apparent that this companies tactics are deliberate and they deliberately delay the payment of partial if not all of the payouts to begin repairs. After many phone calls I continue to receive the same answer of " oh but we need such a document '' then 2-4 days a check. Another call results in " oh but we need this document '' then 2-4 days and a check. When is someone going to audit these people and clear this up. Do you not care about the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX late payments on XXXX of my accounts XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 U.S Code 6802 States that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any personal information. Equifax is the third party and is in direct violation of this code. This type of reporting is also violating my right to privacy. Privacy Act 1974, Equifax never disclosed to me that I could opt out but assumed I opt in to this negative reporting, THAT IS INFACT IDENTITY THEFT.
Product: Mortgage

I would like a printout of ALL activity on my escrow for the life of this loan. Loan origination was XX/XX/year>. I would like to see how many PMI payments were taken from my escrow in writing showing the balance as well starting from origination.
Product: Credit card

Amex Platinum charges additional fees for cardholders. When I originally signed up, you could have 3 additional cardholders for XXXX. Now on my latest statement each additional cardholder fee is XXXX. I called to cancel the cardholders and they informed that I had 30 days to cancel the charge. I called in the 38th day. Seems to me that under Reg E if you have 60 days to review account statements that should be the same in change in fees. The additional cardholder has not used the card in 60 days so there has been no utilization at all in benefits as an additional cardholder. Shame on Amex. They are gauging fees in a way that is unconscionable.
Product: Debt collection

XXXX XXXX  account # XXXX began foreclosure procedures about 3 years ago. I and XXXX XXXX XXXX reached the approval of a short sale. The real estate agent for the transaction was XXXX XXXX with XXXX XXXX The property is XXXX XXXX XXXX, XXXX Il. XXXX. MLS # is XXXX. The mortgage was originated with Wells Fargo. The property never closed for the sale. No one from XXXX XXXX will respond by phone or in writing. I want XXXX XXXX to take a deed-in-lieu of foreclosure. Or send me a notice that foreclosure was ceased and I have full authorization to list the house and sell it. I also want a payoff with a per dime. 

Mostly I am certain that XXXX XXXX have violated federal collection laws by insisting my only option was agreeing to foreclosure and not fighting them. Furthermore, they have been and continues to be deceptive. Please respond to me at XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized inquiries on my credit report. I appreciate the efforts of your agency in addressing the concerns I raised and acknowledging the removal of several inquiries from my credit report. However, I am disappointed to note that XXXX inquiry remains unresolved despite my explicit request for its removal. 

XXXX XXXX XX/XX/year>
Product: Credit reporting

XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my husbands late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, XXXX times and they still refuse to fix it.
Product: Credit card

I opened a line of credit with Fortiva via a XXXX in order to purchase a home alarm system in XX/XX/XXXX. In XX/XX/XXXX, Fortiva closed my account without permission then transferred my debt to a new account without my permission. I did not want a new account. The new account impacted my credit score. I called and emailed Fortiva many times and they said they have the right to close my account and open a new account without my expressed consent to which I disagreed. Fortiva calls me many times a week and have threatened to take me to debt collections. 

My only request to Fortiva is that Fortiva opens my old account and closes the new, fraudulent account Fortiva created without my consent and submit a correction to the credit bureaus. Fortiva stated they will not revert back to my old account nor rectify the credit score with credit bureaus. 

Fortiva continues to harass me for missing payment on the credit card that I did not authorize. They have impacted my credit score further with the no payments. 

I do not know what to do at this point and feel helpless. Please assist. Thank you.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practice, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, Their dispute resolution process was unfair and deceptive, as the did not comply with error resolution requirements under the Electronics Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

XX/XX/23 I called Huntington Bank & talked to customer rep, XXXX, @ Huntington Bank about the reversal of fees for photo imaging of my checks because I didn't require that service due to my personal checks are duplicate. She said that she had limited access to my account but she could reverse only {$25.00} @ a time especially over the phone. I would have to take the lastest bank statement to a local branch of Huntington Bank to receive a FULL recoup of the fees that were for photo imaging. It seemed to start out as {$2.00} then {$3.00} for this unrequested service. 
XX/XX/XXXX  I went online to XXXX the closest Huntington Bank branch in my area which was in XXXX XXXX. I went there & spoke to customer rep face to face, XXXX. At some point, he told me that he had limited access, as well, so he got his bank manager. She also seemed to have limited access & stated that she could only refund me " {$11.00} for a year ''. Now, I know that there are 12 months in a year, so 12 times 2= 24 & 12 times 3=36. Nowhere in these calculations, {$24.00} or {$36.00}, come close to {$11.00}. They didn't dispute my request to ending the fees for the service but trying to get back my monies seems to be 'problematic '. Everyone I interacted with over the phone or in person seemed to have 'limited access ' inspite of me giving them permission & authorization. 
XX/XX/XXXX  I attempted to try again to call Huntington Bank to do two things : to stop the photo imaging fees that everyone prior promised me would stop & recoup the remaining amount owed me. See, when each time I spoke to someone they would promise me these photo imaging fees would stop & it initially they do BUT they just come back & charge me ALL OVER AGAIN. So, it never really stops, you see. Are this what people are calling 'junk fees? '
Product: Vehicle loan or lease

on XX/XX/2019 XXXX removed what was agreed to be incorrect information they removed Ally Financial for {$8600.00} and as of XXXX they added it back to the credit file and my credit score has fell XXXX points since then this information is incorrect and needs to be corrected.
Product: Money transfer, virtual currency, or money service

To whom it may concerns : Dear Miz/Sir, my bank and I have been trying to reach Bank of America for more than a month, nobody replies our requests.

Please, I am begging you! Help me! Soon I am going to have the childs delivery, I am very stressed because of BOFA, what things they do are against any human rights! Is this a theft? 

The bank is holding my money without any reasons! 


The receiver punished me already with a fine for not paying on time, thats why this wire transfer is no longer valid, it should go back to my XXXX  account and I will find other ways to send it. 
Help me please, I hope only your company can help because the bank ignores any letters, texts, calls from me and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in reference to the Equifax data breach. It is not fair to me as a federal protected consumer whose privacy has been violated. I completed a FTC report and listed all accounts that I do not recognize. I can not purchase a home because of the exposure of my personal information which includes address, date of birth, social Security Number. Every institution has a privacy notice where Equifax is supposed to protect my personal information from the publisher or where someone can obtain that type of information.

Therefore I am demanding all the accounts listed within the FTC report to deleted from consumer report.
Product: Debt collection

I, XXXX XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2011. A consumer credit transaction in which a finance charge was involved. XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash or cash equivalents. However, Regional Acceptance Corporation collected a cash down payment of {$1000.00} USD ( see attachment ). In addition, the finance charge is to include insurancedespite that fact, Regional Acceptance Corporation required I obtain my own insurance policy separately.
Product: Money transfer, virtual currency, or money service

My PayPal account ID : XXXX was closed on XX/XX/XXXX. I did not receive any prior notice or explanation regarding the reason for the account closure. I have tried contacting customer support several times, but I have not received a clear response or steps on how to reopen my account. 

There was a balance of XXXX USD in my account, and I have been unable to withdraw or use the funds since the account was closed. This has significantly impacted my business and financial transactions, and I would like to understand the reason behind the closure and have my account reopened as soon as possible. 

I have provided all the requested documents and verification for my account, but the issue has not yet been resolved.
Product: Mortgage

I am a XXXX veteran who was trying to obtain a VA loan and was mislead etc so i cancelled and am still awaiting my FULL {$500.00} refund they told me " Oh not sure what to do '' i asked for management all are out of the office???