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

ftc violations reported to the federal trade commission XXXX  XXXX master card  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX  XXXX XXXX  XXXX  all inquires on the above XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX  report : Account Number : XXXX : Source of dispute information : COMENITYCB/XXXX Dates associated with item being disputed : XX/XX/2011 Explanation of item being disputed : Product not received, it shouldnt still appear on my credit report. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making on time payments to XXXX XXXX XXXX Jared 's and they are not reporting to my credit report at all. The company has been saying that they are reporting to my credit file but it is not there.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C Without the prior consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

My XXXX  XXXX  got a hold of my personal information and used it to open accounts while I was in XXXX. Please remove from this account from my credit report.
Product: Mortgage

XXXX XXXX loan officer of Santander bank is a fraud. He has mislead me in terms of rates to get my business. We rate locked at 3.50 % no points, when the rates dropped in early XXXX he told me he could lower to 3.25 % no points, in reality it was 3.25 % with 1.375 pts THAT HE DID NOT DISCLOSE. When I kept asking him for corrected loan estimate and corrected rate lock to show the lower rate, he told me I was harassing him and not to contact him and go through my attorney. Come to find out this was because he knew he did not disclose the 1.375 pts, nor did I ever sign any disclosure that said 3.25 % with 1.375 points. He knew if he told me that in early XXXX I would have shopped around with another lender because the rates had dropped then, he prevented me from doing so by falsely representing the rate he would give me. Then stalled on paperwork until days before the closing so I had no choice to go with them or shop elsewhere. His practices are completely illegal and misleading.
Product: Student loan

Hello, I am currently a Lender who borrowed from Navient and Fed Student Loan Program. I currently owe {$60000.00} total to Navient.  I am making my monthly payments, struggling even with  XXXX  out of the  XXXX  loans put on Interest only repayment. I pay each month {$110.00} in the beginning and {$230.00} in the middle since  XXXX   XXXX . The {$110.00} is interest on ly ( only  relief plan I was offered ) and the {$230.00} is full repayment ( I assumed partly principal/interest. ) I have noticed a couple of times almost the entire payment of {$230.00} is applied to the interest only. I just made a payment  XX/XX/XXXX , the principal amount applied was {$5.00} and the interest amount was {$220.00}. I noticed another time  XX/XX/XXXX   XXXX  was applied to the principal while the other {$230.00} was applied to the interest. I have not contacted the company but I feel like I am constantly being taking advantage of.     In  XXXX   XXXX  they convinced me that one way to lower my monthly payments was to consolidate all my student loans t o Navient (   XXXX   XXXX  at the time ). I did not understand the process or anything involved and followed they 're advice. Unaware until after the process was done, my interest rates went from 2.330 % with  XXXX   XXXX   XXXX  to 5.375 %. Over the phone they worked out the percentages and provided me information on how this would lower my monthly payments and was the best option. In reality it only increased the interest and did nothing to change the monthly payments.
Product: Checking or savings account

On XX/XX/XXXX, I went into Capital One XXXX # XXXX, and deposited XXXX large checks I received in pain and suffering from a settlement. Now XXXX weeks later, Capital One is refusing to give me access to my funds, even the money I did have in there. They have fully restricted all access, to the point I can't even pay my own bills. I have called and called and called them, no help. Went into the branch on XX/XX/year> and was there for two hours, trying to get an understanding and clarification. They are refusing to give me access to my account and my funds until they verify with the remitter that the check was to go to me. The fraud department is refusing to call the number I provided them with because the number on the check can not be transferred to the XXXX. Me and the teller called the XXXX and he confirmed with the teller that this check was supposed to be made out to me, but that was still not good enough for the bank. They told me they would not be unrestricting the account
Product: Checking or savings account

This complaint is in response to US Bank perpetuating XXXX harassment, fraud, and extreme carelessness that resulted in the closure of my business bank account. They closed my bank account on XXXX XXXX, 2020 without my knowledge or permission, causing extreme financial duress for my new business. On XXXX XXXX, 2020, I began my interview with US Bank to open my business bank account. The interview was via XXXX with XXXX XXXX. He told me that he was going to walk me through the entire application process in the XXXX interview. He did so, and during the process, told me not to add the punctuation in the name of my XXXX, even though that's how it's listed on my Articles of Incorporation ; this careless advice lead to my application being in " pending review, '' which is where all of the problems started. After the XXXX meeting, XXXX XXXX then started sending flirtatious emails to me, which can very easily be found in his work emails, and on his work phone. I also have copies. He then also texted me using the information provided on my application asking if I would like to go out on a date with him the next day. When his advances led nowhere is when the real problems began, as my bank account was then mysteriously closed the very next day. When I inquired with the personal banker XXXX had set me up with, XXXX XXXX, she would not return my calls. It took me calling and texting her for 7 whole days before I finally told her that I would be including her in my complaint, which immediately sparked her interest in replying. She told me that she didn't know what happened or why my bank account was closed, but, when pressed, said it had something to do with people somewhere in a back office. Very vague, very suspicious answer. I was referred to contact XXXX XXXX, the branch XXXX, who also never called me back, or responded to my emails. I have called the helpline at least half a dozen times now, and it is obvious to me that the people at US Bank all have something to hide, and they are covering up for a XXXX harasser. All in all, they are costing me both time and money.
Product: Credit card

I paid my credit card balance of {$970.00} on XXXX/XXXX/16 due within the due date of the statement cycle and was charged interest of {$4.00} on XXXX/XXXX/16. They stated that the interest was charged because i had a previous statement cycle that was not paid off. Why would I get charged interest for paying the balance due for that month. My understanding is that this is not allowed under Regulation Z. Thanks
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX, XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my XXXX and XXXX  that is past the statue of limitations yet this Realtime Resolution continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?
Product: Mortgage

For the past 4 months, I have not received any information from Bank of America regarding my home loan modification. From XXXX 2016 through XXXX XXXX, 2016 - I submitted all required documents at the request of my then Customer Relations Manager XXXX XXXX. During the months of XXXX, XXXX, XXXX, XXXX, and XXXX 2016, I made repeated calls to my newly assigned Customer Relations Manager, XXXX XXXX. 

In late XXXX - early XXXX 2016, I received a voicemail from XXXX XXXX on behalf of XXXX XXXX, I immediately returned the call only to receive XXXX XXXX 's voicemail. I have left numerous voicemail messages with XXXX XXXX and have not received any returned calls nor any updates to the my home loan modification request of which I was told by XXXX XXXX in XXXX 2016 was under review with the underwriters and they had all the documents needed to continue my request for review. 

Yesterday, I received correspondence from the Bank of America dated XXXX XXXX, 2016 indicating my loan is no longer actively being review because they did not receive the requested documents. All documents were sent XXXX and fascimile in XXXX 2016. 

This has been going on for the past 3 years, I need results. My credit is severely being damaged only because of the mortgage, my other creditors are more than satisfied with my accounts. 

I have uploaded numerous documents to demonstrate I was compliant with all of Bank of America 's request. The most important document is the one demonstrating I provided all document requests and those documents were uploaded into the Bank of America Portal. 
I am unable to appeal this decision because the only contact number I am giving is for XXXX XXXX - and he does n't return calls. Thus leaving me in a very precarious situation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention a significant violation of the Fair Credit Reporting Act ( FCRA ) by Equifax in the reporting of an account associated with XXXX XXXX  XXXX, partial account number XXXX. This account has been reported inaccurately and inconsistently, failing to meet the legal standards of accuracy and completeness required under the FCRA. 

Specific Violations and Inconsistencies Detected : 1. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : -The reported credit limit and high balance for this account are listed as {$0.00}. This information conflicts with data from other credit bureaus, indicating a clear inaccuracy in Equifax 's reporting. 

-The payment history is incomplete, with blank entries for XX/XX/XXXX and XX/XX/XXXX. These gaps make it impossible to verify the account 's legitimacy or assess its accurate status.

2. Failure to Conduct a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : The report states " Consumer disputes- reinvestigation in progress. '' However, the same discrepancies persist after the supposed reinvestigation. This demonstrates that Equifax did not conduct a reasonable investigation into the account as required by law.

3. Impact on Payment History ( FCRA, Section 605 ( b ) ) : The missing entries for key months in the payment history undermine the credibility and accuracy of the reported information. This omission violates the FCRA 's requirements for accurate and complete reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion about a late payment from my XXXX account on my consumer report that according to the laws should not be reporting being that the late payment was not properly investigated by Transunion and proven to be late before they reported it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Experian requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, Experian sent me an email stating their investigation did not fix the error on my credit report because XXXX and XXXX companies that reported the information to them was certified. No other explanation was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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
Product: Credit reporting or other personal consumer reports

Discover Card has opened and closed an account on my credit that is not mines please have them remove the whole account.
Product: Debt collection

Dear Sir or Madam : I am a XXXX and XXXX of my older Parents ( ages XXXX and XXXX ) who reside with me. I am writing this letter because I am a victim of a fraudulent scheme by Midland Funding LLC, concerning my old closed XXXX Bank XXXX credit card account for which the sum of {$330.00} was Charge Off on XXXX XXXX, XXXX, ( see enclosed copy of printout bearing the stamp from XXXX XXXX XXXX, Exhibit XXXX ). 

On XXXX XXXX, XXXX, Midland Funding LLC., filed a complaint against me in XXXX Civil Court claiming it had purchased my Credit Card account from XXXX XXXX XXXX ( Wrong Bank! ), and demanding {$960.00} ( Wrong Amount! ), with identical Affidavits of its employees XXXX XXXX and XXXX XXXX claiming that my account had been Charged Off on XXXX XXXX, XXXX ( Wrong Day, Month, and Year! ). ( See copies of Claimant and Affidavits as Exhibit XXXX ). However, I never received a response to my request for verification of the debt and documentation concerning the amount and ownership of the debt ( See copies of letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, as Exhibit XXXX ). 

Last Year Midland Funding LLC was able to obtain a Default Judgment against me, ( because I did not receive the notice from court on time ) and served an Income Execution dated XXXX/XXXX/XXXX, to XXXX XXXX XXXX, where I work part time ( as Independent Contractor ) demanding the sum of {$1300.00} ( see copy as Exhibit XXXX ) which is {$970.00} more than what I owed XXXX XXXX XXXX, ( Not XXXX XXXX XXXX, as claimed by Midland Funding LLC ). 

Last Year, Midland Funding LLC paid XXXX Dollars to Office of the Attorney General as a settlement for filing false claims against NY Consumers, but it continues its Illegal Behavior, using the Courts as a tool.
Product: Credit card

Without my knowledge, my Macy 's account was tied to a separate American Express account. When I paid to the account number on my Macy 's credit card, which cleared, I was unaware I was paying to a XXXX balance American Express account, and not to my " Macy 's '' balance. Over the course of many months, I tried to reconcile this online, through the Macy 's website, but every time I tried to log in during the spring, summer and fall of 2015, I was told the site was " temporarily down. '' I called the number on the account at least 2 times and was unable to speak to someone who could tell me what was going on. Finally, after receiving a check from MACYS ( aka American Express ), for overpayment, the same month I received an invoice for slightly more ( due to the large missed payment fees ), I managed to get a call through to someone who understood what was happening and could explain where to pay. 
Last month I paid the full balance, and was told by the customer service rep that there would be no further charges. Then I received a bill for XXXX , apparently for some sort of balance fee, which I do n't understand. I paid that, but somehow it was mixed up again, and did n't post ( I have the bank statement to proove it ), and then received a XXXX $ bill for not paying the XXXX XXXX 
I have recently spoken with Macy 's and been assured that I have paid the XXXX $ balance, and they also told me my account was closed ... why I do n't know. That is fine, I wanted to close it anyway, but I 'm not sure if that type of closure affects my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union reports 2 hard inquiries that led to at least one active account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both of which were never applied for by me.
Product: Vehicle loan or lease

I am XXXX XXXX and I am submitting this complaint against WESTLAKE FINANCIAL SERVICES WESTLAKE FINANCIAL SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to WESTLAKE FINANCIAL SERVICES to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) WESTLAKE FINANCIAL SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report. I would like this item immediately removed. I reported that this was not my account due to someone stealing my identity. It is my understanding that according to letter attached this would be deleted from my credit report with all XXXX bureaus. This has yet to happen even after providing me with confirmation. 


The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX ( account number XXXX ). Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. XXXX, XXXX and EQUIFAX have failed to investigate this account properly after I REPEATEDLY asked/disputed information to have the account updated.
Product: Debt collection

Medical data system claims that I owe a debt with them for {$710.00}. And I have never had an account with medical data system. And if this is a medical debt this would be a HIPPA violation with sharing my information to a 3rd party company.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : ________________ Current Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

Someone used my identity to open a XXXX  XXXX credit card and used it commit fraud. I didn't authorize it or had any knowledge of this opening of the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a email with threats of taking my Social Security, payroll checks, plus terrible language of threats that they will prosecutes in court. This loan at XXXX was. Opened in 2017, by fraud XXXX closed the account after being notified by legal services at XXXX XXXX Government Services, due to financial fraud, and protected by Consumer Rights. Immediately following Speedy started sending me terrible threats, and posting on my Credit report, assigned later to NCA FOR COLLECTION, changing the information when the acct was originally opened.