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

This complaint is a follow up and addendum to existing CFPB Complaint ID # XXXX. I am attaching the e-mail I received from XXXX XXXX XXXX, in which she provides me with the contact information for XXXX XXXX XXXX XXXX I am making an addendum to this existing complaint to show that while XXXX terms it " XXXX XXXX XXXX XXXX XXXX '' she is doing nothing more than using a euphemism for relegating and coercing me into using their call center for XXXX XXXX clients, in retaliation for my raising and making good-faith complaints about U.S. Bank XXXX U.S. Bank Investments XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The " XXXX XXXX XXXX XXXX XXXX '' is not at all a " dedicated '' team to me ; they are a call center, and this is different treatment than other XXXX XXXX  customers are receiving. On our phone call on XX/XX/2022, XXXX attempted to coerce me into not using her team as my Private Client Bankers, as outlined in CFPB Complaint ID # XXXX. The e-mail I've attached to this complaint continues to demonstrate that XXXX knowingly and intentionally pressured and coerced me to using the general service center, rather than her team 's Private Client Bankers and Financial Advisors, because of the complaints of retaliation, discrimination and uninvested money concerns I brought to the attention of the CFPB and the OCC. Furthermore, I will have a {$150000.00} deposit incoming to my U.S. Bank checking account within the next two to three weeks, which is from my deceased husband 's pension. As a result of XXXX 's actions and coercion, I have no one locally or personally to assist me in investing these incoming funds, so she has relegated me to using a call center to invest this huge sum of money, despite my total investments amounting to well over what her team would handle from a Private XXXX Client servicing perspective.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Employer : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Dispute of Inaccurate Information and Investigation Procedures Under XXXX Codes Dear Equifax I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting an immediate reinvestigation into the inaccuracies reporting to my credit report.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. However, the presence of these inaccuracies indicates a failure to uphold this legal requirement. Additionally, as per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted.

Furthermore, I demand full disclosure of the methods used to investigate these disputed accounts under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). If the information you provide does not substantiate the accuracy of the reporting, I expect immediate deletion of the items per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please also be advised that any failure to comply with these legal requirements constitutes willful noncompliance under 15 U.S.C. 1681n, subjecting your agency to potential civil liability.

I expect a formal response within the legally required 30-day period, as outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Please send all correspondence to my address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I ask the for original documents with signature, they didnt send it but they updated the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well first I'll being with on my Experian report I believe I saw something about a XXXX XXXX XXXX XXXX listed as a address I've never heard of or have any understanding why that be on my report also there's several Incorrect addresses on report Wich only one should be there of Wich is XXXX XXXX XXXX XXXX Texas XXXX Also it has multiple names on there few Wich are misspelled there should be only one name on there Wich is my legal birth name that is XXXX XXXX XXXX please have this corrected on my report as of right now that seems to be the only things I notice I've disputed what I could I'll continue to go over an if I find anything else I'll contact you thanks for your time being able to communicate with those haveing authority to correct my report is great my email is XXXX my number as of now is XXXX if need any documentation of my identity I have no problem submitting or going about to prove in any way thanks.
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. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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.6.C 16815-2 ( A ) ( a ) 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 accurate. 

Delete the accounts bellow : XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX  0XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX  XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXXIN XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/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 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 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: Credit reporting, credit repair services, or other personal consumer reports

As publicly stated by Equifax on XXXX XXXX, 2017, a  large portion of their database was breached in 2017. My information was confirmed to be a part of this breach which will negatively affect the following : my ability to easily apply for credit ; the security of my social security number, date of birth, past addresses and more, as they are now accessible to unknown persons ; my ability to effectively manage my credit without undue stress or concern.
Product: Student loan

In XXXX after graduating college, I am the process of consolidating my loans totaling approx {$160000.00} for the PSFL. At that time Fedloan guided me in the process. I also had a small parent loan approx {$1800.00}. Fedloan advices me to roll it in with the rest and assured me that it would not impact my ability to qualify for any IDR repayment plan not impact my public service loan forgiveness goal in any way. I specifically asked them and they assured me I would qualify for the repay pay as you earn IDR plan. I was placed on that plan for 1 year at which time they contacted me stating they made a mistake and I now only qualified for the ICR plan at 20 % off my income because I included a small XXXX XXXX in my consolidation. I made attempts to fix the situation and was told there was nothing I could do. I have talked to them, XXXX and the federal student aid office with no avail. Today I talked to someone at the federal student aid office who told me their understanding was that once a parent loan is consolidated it is no longer a parent loan and qualifies for all repayment plans. She stated she has been guiding people in this process for years and had no idea this was happening instead. I have filled multiple complaints and basically told too bad. I was lied to and misguided in the beginning and would absolutely never have added that small loan to my consolidation of I had known the effects. It has destroyed my life, caused severe XXXX and XXXX  and XXXX, financial stress and feeling hopeless as I will never be able to pay the loan off and the financial hardship is devastating due to their mistake and misleading information. I filed a complaint in XX/XX/XXXX and XX/XX/XXXX to the federal student aid center and was told that Fedloan did not put me on the repeat program and that I had been in the ICR the entire time which is not accurate. I know for a fact what repayment plan I was on and even they informed me of their error my payment amount tripled and my income has not changed. Im not sure what FedLoan did to make. It look like I hadnt ever been on that program but I was and I have a witness who was sitting there with me doing all of this. Please help me. This is my last resort before I file a lawsuit.
Product: Credit reporting or other personal consumer reports

Hi, I have asked Experian to remove other addresses that are not mine. 

My name is XXXX XXXX, and my address is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Which is all I want to appear on my credit report. Experian has multiple names, different spellings, addresses, and jobs that I have sent multiple letters over the past 3 years to remove, and they have refused to do that. I am reaching out for your help to remove this inaccurate reporting from my account. 

Thanks! 

XXXX
Product: Credit reporting or other personal consumer reports

The following items have been disputed on my report and the companies haven't reached back out to me. 

XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a XXXX XXXX account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following inquiries listed below removed from my credit report as they as fraudulent and I do not know who opened them. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX  Credit Cards XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint XXXX about unauthorized inquiries with Experian, the company responded that the inquiries were made In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information I am quite sure the Fair Credit Reporting Act allows for consumers to know the reason someone is accessing their credit report and if they had the consumers permission to access their credit report. I am telling you I did not authorized these inquiries, I am a victim of Identity Fraud and I am asking you to help me resolve it by simply providing me with some proof so that I can determine what is going on with my credit. As a major credit bureau I would expect more help for the consumers that are facing an ever increasing threat from Identity theft. I would like a copy of the contract authorizing the inquiry or the removal of the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 
1 : XXXX XXXX account # XXXX XXXX : XXXX XXXX XXXX ( XXXX ) account # XXXX XXXX : XXXX XXXX  account # XXXX XXXX : XXXX XXXX account # XXXX XXXX : XXXX XXXX XXXX account # XXXX XXXX : XXXX XXXX  account # XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX : XXXX XXXX account # XXXX XXXX : XXXX XXXX account # XXXX XXXX : XXXX  account # XXXX XXXX : XXXX XXXX XXXX XXXX account # XXXX XXXX : XXXX  XXXX XXXX 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: Credit reporting

experian is not providing my credit score and report and is affecting me as I can not refinance my home
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled a copy of my credit report without my permission on or around XX/XX/XXXX, XXXX so i reported them to my state attorney general 's office. the north carolina department of justice. they failed to reply to the north carolina department of justice. i think that is kind of sad and bad on their part. they are not supposed to contact me anymore and have a cease and desist on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a hard enquiry that was on my credit report ( Equifax, XXXX ), and I received a letter from XXXX XXXX saying that they had ask for the removal of the hard enquiry as the hard enquiry was made for TV service that I didn not authorize, but as of todays date, XX/XX/XXXX, it is still showing on my credit reports. I have a letter from XXXX XXXX that says they submitted the request back on XX/XX/XXXX. I am a victim of the data breach ( equifax ), back XXXX, 2017. I have a security freeze on my report. I want the credit bureau to honor the request to " REMOVE THE HARD ENQUIRY FROM THE CREDIT REPORTS AS IT LOWERS MY FICO SCORE ''. I DID NOT AUTHORIZE THE HARD ENQUIRY.
Product: Mortgage

I was on a mortgage forbearance from XX/XX/2020 to XX/XX/2020. I returned to making regular mortgage payments in XX/XX/2020 and have made timely payments to date. I am now attempting to refinance, however, Midland Mortgage is preventing me to do so because I was unknowingly entered into a repayment plan and my statements show that I am late and that I have an outstanding balance ; which is a red flag for the bank I am attempting to refinance with. When I agreed to the forbearance via phone ( no documentation was required ), I was informed by Midland, that any unpaid amount would be added to the balance of my loan. I am now attempting to reduce my monthly payments by refinancing so that I can reduce my interest rate, lower my mortgage and ultimately stay in my home. Midland continues to push me into a repayment plan when I am aware that HUD offers other programs i.e. XXXX.
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. ACCOUNT NAME : Dept of EdXXXX XXXX- schools ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING INCORRECT INFORMATION! THEY ARE REPORTING I AM NOT MAKING PAYMENTS ON TIME AND I HAVE BAD PAYMENT HISTORY!
Product: Credit card or prepaid card

Citi Bank closed my account with no prior explanation of my account being up for closure. I was on a Catch Up arrangement with them that specifically states the account would remain open while on that arrangement. I was told that it was broken when a payment was not made on XX/XX/XXXX but my email states a payment was not to be made until XX/XX/XXXX. When I spoke with someone today they advised that the online tool they provide customers does not give all details so thats probably what happened. I do not feel I should be penalized for their systems not being aligned with their practices. I am willing to pay my balance and bring my account current to reopen my account. This should have been fully explained on their website when enrolling in a payment plan if the account is past due a certain limit a deposit be received or it should be explained that whatever the past due amount is needs to be paid by a specified date or the account will be closed. I never received an email, call, or text letting me know that my account was reaching a time for closure. I was trying to do the right thing with setting arrangements to prevent this from happening and it happened anyway. This is very deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Experian report number XXXX, the histories of more than one good account was purposefully altered to lower my credit score. On one of my good accounts not only was the good payment history removed but the year the account was opened was literally changed to reflect a more current year. Why was this done and how is this legal?!? I'm 100 % certain this is against FCRA regulations. How many other consumers are being done this way? Please put my histories back to their formal state. I fully intend to show someone who can do something about this. Someone needs to know what is going on there at Experian ...
Product: Debt collection

Debt was not verified doctor visit was not me. Failed to verify it was me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed to no avail the collection account appearing in my credit report under the collection company listed as XXXX XXXX the problem is I originally requested validation if the debt XXXX responded with a consent form dated a entire year earlier then the hospital bill inpatient date ... .this is not valid validation of the debt also the consent form was for a regular doctor visit not a hospital stay as bill indicated. 
I then reached out to XXXX XXXX which was the original creditor to learn that this debt which XXXX XXXX is trying to collect is actually included in a charity application I submitted to XXXX XXXX XXXX assistance before the debt was purchased by XXXX the charity application had been accepted and us still pending review thus XXXX XXXX should not be trying to collect on this debt I have enclosed the XXXX bill A copy of my XXXX XXXX billing statement which shows this account is pending review for charity assistance with a XXXX balance I notified XXXX  I was in dispute if this debt before the 30 day notice however they will not crease contact it collection on this item
Product: Credit card or prepaid card

1. Two fraudulent charges were made to my XXXX XXXX credit card totaling {$1200.00} as stated below : a. {$210.00} - charged on XX/XX/XXXX b. {$1000.00} - charged on XX/XX/XXXX 2. On XX/XX/XXXX, I filed a fraud claim with XXXX XXXX Fraud Investigation Department. ( See uploaded XXXX XXXX Fraud Docs ) 3. On XX/XX/XXXX, I received a formal letter from the XXXX XXXX Fraud Investigation Department stating that their investigation was completed stating, " As a result, we removed the disputed charges and any related fees and interest charges from your account. '' ( See uploaded XXXX XXXX   Fraud Docs ) 4. On XX/XX/XXXX, the charges had been removed, only to be transferred to my new XXXX XXXX credit card, and have remained since that time charging me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inconsistencies with inquiries being reported on my credit bureau without proper consent or acknowledgement. Please remove these items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX {$500.00} XXXX  XXXX {$500.00} XXXX   XXXX XXXX  XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX XXXX {$560.00}