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

on XX/XX/2022 I called roadrunner account services and i Spoke with XXXX XXXX Supervisor about a 30 day late payment for XXXX  and asked her to removed it because it was not reporting accurately the l was paid in full and was never 30 days late in XXXX which is reporting on my Credit report. Car sold to XXXX XXXX in XXXX see attachments so how was I late on this account in XXXX XXXX XXXX Supervisor
Product: Bank account or service

On XXXX XXXX, 2017, my debit Bluebird account by American Express was disabled, I only used the card once a month to paid my rent. When I called them on the phone about it they refused to discussed the matter with me. I have had this card for over 2 years, and I do not understand how my card can be disabled without my authorization. I need to know what happen.
Product: Credit reporting or other personal consumer reports

There are 2 late payments on my credit report, and I have always had my accounts on time and up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. P
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

Please remove all my hard inquire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, XXXX, XX/XX/1987 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit 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 ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Bank refuses to work with me to try and save my Home. I believe it is because they are not the true owner of the Note. I also believe that they are using my home as a cash register by eating up all the equity with fees. I was recently force to file a XXXX XXXX XXXX to stop them from taking my home. 
I wrote them a XXXX  letter on XXXXXXXX XXXX,2022 They have failed to respond to that letter please help me
Product: Credit card or prepaid card

I am writing to bring to your attention a troubling experience with my PayPal Credit account. 

Today I logged on to check my balance and schedule a payment and observed that on XX/XX/XXXX, two prior payments for {$1100.00} and {$500.00} were removed from the account. The transactions are listed as " adjustments-payments. '' I made those payments on XX/XX/XXXX and XX/XX/XXXX, respectively, at which time they were deducted from my personal checking account and transferred to PayPal. 

When I called ( today at XXXX XXXX CT ) to figure out what was going on, the PayPal representative told me that these transactions were part of a " remediation '' and he would read me a prepared statement. The statement explained that a PayPal coding error caused the service to demand unusually and incorrectly high payments from customers in order to avoid deferred interest. 

This is true, these XX/XX/XXXX and XX/XX/XXXX minimum payment amounts were massive compared to my usual account management. For context, my minimum required to avoid deferred interest this month is {$38.00}. 

The statement said that in order to fix the problem, PayPal reversed the payments and reapplied them. The statement specifically says " no communication was sent to the customers. '' My account does not show that the payments were reapplied by PayPal -- though my bank never received a refund, so I hope that they have applied the payments I made to the balance due. I 'm not sure how to determine if this is now correct on the account, as the representative brushed away my concern that everything is " fixed. '' Even if correctly applied, it is important to note that I would never have made such large payments if they were not demanded as minimum required payments. 

Finally, I find it extremely troubling that PayPal 's policy was to hide this entire happening from accountholders instead of advising us of PayPal 's own service error and advising us to check our accounts for accuracy. I only became aware by coincidence.
Product: Checking or savings account

On XX/XX/XXXX I went to open a new account with Truist with a check from the wv treasury. It is my retirement refund check. I opened the account and then a few days later I received my debt card I tried to activate it and they said I would have to call because there was a problem with my card. The next day I called and they said my account would be closing and they could not tell me when I would get my funds back that had already been deposited into my account. On the XXXX the bank cashed the check gave me {$1000.00} from it and then deposited the rest into my account. Truist XXXX number could not give me any answer and said that the analyst where the only ones who could answer my questions but the analyst do not take phone calls but they. Could leave a note on my account and have them call me back. In the last XXXX weeks Ive called them almost every other day requesting a call back or answer and I have not received either. The check was a Truist check that I was putting into my Truist account. It was also from the state treasury, I called them to see if they could help. They called the bank and the bank said they were trying to get ahold of me but I received no call or email or letter other then from the XXXX one said my account was on hold funds would be Available the XXXX of XXXX, one saying my account would be on hold and one saying it would be closed. All three came on the same day.
Product: Debt collection

cash central loan was bought by their subsidiary and paid off yet it is still showing on my XXXX and XXXX  credit reports as a negative account. I am being doubly credited on my credit account. one of the accounts needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a dispute with XXXX, Transunion and XXXX credit bureau about the unverified collection, XXXX, XXXX -- XXXX of {$170.00}. I have not received a notice in over 45 days and my report shows that this account is still in dispute. This unverified account should have been removed because I am aware that this 30 non-day response is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 3 months as of today. Thank you
Product: Mortgage

On multiple occasions we have found our loan officer to be dishonest, misleading, and generally unprofessional. We have complained to his manager and his manager 's manager about assigning a different loan officer to our file. Our loan officer, XXXX XXXX, says he has put in countless hours to our file and is not leaving. 

Our loan officer at Chase XXXX XXXX XXXX ) made misleading and, in some cases, false statements about a number of issues over the course of my wife and I attempting to qualify for a new purchase. These misleading and false statements include : 1 ) Saying that we needed to put down 20 % as a down payment because the county we were buying the home in ( XXXX XXXX XXXX Nevada ) was under COVID restrictions ; once the restrictions were lifted, we would be eligible to put down 10 % - 15 %. 

2 ) Saying that because we had a large available credit balance in our HELOC with a different Bank ; Chase underwriting viewed the entire available line of credit as if it was USED ( monthly payments being made by us on the entire balance ) and would calculate monthly payments to the HELOC lender using the highest allowable interest per contract with lender ( rate fluctuates with prime interest ) and the full balance of the line of credit, which made our Debt-to-Income ratio unfavorable. We needed to refinance the current mortgage on our home, and considerably reduce our line of credit ( reduce line by 74 % ) to qualify for the loan. 

3 ) Saying that Chase underwriting viewed the loss on rental property for one year would show as an additional expense of $ XXXX. It did not matter if the rental property was held in an LLC, or if the loss was due to adding back depreciation on the property and we had positive cash flow for that year. 

4 ) Providing incorrect expiration dates for the initial rate lock period. 

5 ) Three weeks before the expiration of the initial Rate Lock Period, Loan Officer asked if we wanted to extend the rate lock for - 15, 30, 45, or 60 Days ; as we moved closer to the expiration of the initial lock period, we asked our loan officer for a 60 Day lock and was then told by our loan officer that Chase no longer offers rate locks for more than 30-days. This will force us to purchase two or more rate locks from Chase instead of one. 

6 ) After almost a year of back and forth, our home is near completion and we are moving toward closing on the home ; now Chase is saying that due to the additional options ( which they were aware of ) we need to put up more money, approximately 24 % instead off 20 %, which is an additional $ XXXX. 

7 ) Loan officer took an action ( without consulting us ) that he knew could possibly have our loan suspended and then attempted to cover it up by saying that we told him to take that action.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Address Regarding Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Capital One Customer Service , I trust this letter finds you well, though it is with great concern that I bring to your attention potential severe violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2.

Upon careful examination, it appears that there may be issues related to compliance with federal law codes. Specifically, concerns arise under 15 U.S.C. 1666 ( b ), where it is crucial for creditors to adopt reasonable procedures for verifying the receipt of billing statements. The absence of a robust system to confirm whether I, as the consumer, am physically receiving paper statements or accessing electronic statements could constitute a direct infringement of this federal law.

Additionally, the matter of 15 U.S.C. 1611 ( 1 ) is of concern, as it explicitly prohibits the furnishing of false or inaccurate information. The lack of a reliable verification process concerning the receipt of billing statements raises questions about the accuracy of the information reported, especially regarding late payments. 

I want to highlight the gravity of these potential violations under 15 U.S. Code 1681n, which addresses willful non-compliance with federal law. Regardless of prior awareness, it is crucial to address any potential breaches of consumer rights.

Furthermore, attention is drawn to 15 U.S. Code 1681s-2, emphasizing that furnishers of information to consumer reporting agencies must provide accurate and complete information. Any failure to meet these obligations could compound the severity of any violations. 

In light of these concerns, I kindly request that you promptly review and address this matter. If any violations are found, I urge Capital One to take corrective action, including updating my account status to paid as agreed to rectify any potential adverse impact on my credit history. 

Ensuring that my credit report accurately reflects the payment history in accordance with the law is crucial. I trust that Capital One will consider this matter with the fairness and urgency it deserves. Your immediate attention to this request is of utmost importance, and I anticipate your cooperation in resolving this matter promptly.
Product: Mortgage

I took over a loan with Hancock Whitney Bank back in XXXX that my father had and he passed away in XXXX. 
XXXX XXXX from Florida office is the financial banker or officer for their business loans. The year I took the loan over after I had been running the business for 8 years for my dad, we went through and changed the loan in my name a few months after his death. We done a appraisal which was almost XXXX dollars that I paid for and she told me the loan would be redone in a year but I would not have to pay for a new appraisal. When XXXX came time to redo the loan for 3 years I had to pay another almost XXXX for a new appraisal that was exactly the same appraisal done in XXXX. Also in XXXX we done title apps on the mobile homes which the bank had only XXXX on the loan. I asked her and she said the extra ones were in case they messed up a title app that I wouldn't have to come to XXXX to sign another one. That was not true they tried to include all 26 mobile homes on the loan for collateral. I called her and she said they did have all the trailers on the loan and I said no its only 17 Trailers. She called me back and said I was right it was only 17. She never sent the title apps so I could get the trailers in my name with them as lienholder on the 17 trailers nor the extra 9 that they tried to add. I been having trouble getting power cut on and have not been able to get the power on them to rent them. They was suppose to have fixed this and did not. I hired a law firm XXXX and XXXX in XXXX Mississippi and it was agreed that hancock whitney bank would correct everything but I was to sign paperwork Stating I would not pursue hancock whitney on anything but that was agreed that hancock whitney would correct everything. They have not corrected it and I paid the loan off with hancock whitney and refinanced with another bank. I paid them off the XXXX of XXXX and the new bank has not received the release showing hancock whitney has no lien and thats been almost 2 months. Hancock whitney has not only made it to where I cant get power on at my trailers to rent them they have lied and been very unprofessional with there banking practices with me. I paid them off and want my titles and the release.
Product: Credit reporting, credit repair services, 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 U.S.C. 1681.

1 ) Acct name XXXX XXXX XXXX XXXX XXXX XXXX  Acct name : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct name : XXXX XXXX XXXX  XXXX15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy.

*15 U.S.C.1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

*15 U.S.C.1681c ( a ) ( 5 ) : 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-2 623 ( a ) ( 1 ) ( A ) : States a person shall not 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

i sent XXXX XXXX a letter on XX/XX/XXXX regarding this account, on Transunion it showing as of XX/XX/XXXX that my account is closed and it should be reported open.Please help me get this corrected cause it lowering my score and having stress behind this cause i cant get anything that i need
Product: Debt collection

XXXX XXXXXXXX Keeps Selling An Alleged Debt To 3rd Party Collection Agencies To Try And Collect. I Have Never Done Business With Commonwealth Financial Systems, Nor Have I Ever Entered Into Any Agreement With Them. I Have Disputed This Debt With Commonwealth, It's Been Over 30 Days And I Have Not Heard Back From Them. The Law States They Have 30 Days To Respond And They Have Not. I Need This Alleged Debt Of A Petty {$60.00} To Be Discharged Immediately And Removed From My Credit Report.
Product: Checking or savings account

There were three fraudulent quick-pay transactions via XXXX in my Chase checking account on XX/XX/XXXX. Two {$500.00} and one {$1000.00} unauthorized payments were made. We didn't receive the email or phone verification. We notified the bank right away after we identified those three unauthorized transactions. They froze my account and asked me to go to local branch in XXXX, DE which is the only one branch in the entire state. We were told that they should transfer my money from the hacked account to new account and give back {$2000.00} temporary credit to my account. But when we visited the branch, they only opened a new account but couldn't transfer the money. They said the old account had been frozen and they couldn't do anything. We were told that we have to wait to get the cashier check. We came back and waited for five days and called back. After transferring our call among different people for multiple rounds on the phone about one hour, we were directed to the local branch again. They told us the local branch should call the back office when we were there so that they can release the money and transfer to the new account. In addition, we didn't see the committed {$2000.00} temporary credit back to our account. This account had more than {$40000.00} deposit and was frozen for more than a week. Since I lost my online account access and even couldn't enroll a new user ID before they can complete the investigation, all my direct payment bills can't be made. I couldn't pay my mortgage either. I am afraid that I will be put on the late pay/30 days past due blacklist and thereby affect my credit scores not even mention the interests lost in my account. I am with the back more than 10 years and felt very frustrated for their fraud monitoring capability, slow problem solving, and crew 's lack of knowledge to solve the issue for their customers. P.S., I am very surprised how the U.S. biggest bank can't identify such fraud activities which had been noticed in 2018 and published on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete the accounts, I am not the owner of the accounts. I wrote letters to credit bureaus asking them to provide evidence but they did not supply it. CFPB remove the accounts asap XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX   XXXX, XXXX ( Original Creditor XXXX XXXX XXXX HOSPITAL  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems like every year the credit bureaus removes all of my history rating data and every year I have to come back and file a complaint in order for them to fix it. I have contacted the creditors, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX Department of Education by way of the student loan database to see if anything has changed and it has not. All account have been reporting through the national student loan database since 2004, while reporting all transfers and consolidations, as " paid consolidated accounts '' the credit reporting agency has the status as multiple statuses not matching what is being reported by the creditor. I have consolidated 6 times since 2004 with the last 4 consolidations being removed by XXXX, XXXX and Experian. Now they are removing my history ratings from those installment loans and am being givin a hard time for them to put the information back. That is close to 20 years of installment loan history removed from my credit report and the loans are NOT CLOSED!
Product: Checking or savings account

On XX/XX/XXXX, I paid {$76000.00} to XXXX XXXX XXXX to pay off my partner 's loan with them. This was a gift. The withdrawal was reflected in my bank statement with Silicon Valley Bank ( SVB ). My partner received an email from XXXX on XX/XX/XXXX, saying that her loan was paid off. On XX/XX/XXXX, XXXX contacted her that she now owes {$76000.00} due to a payment reversal ordered by SVB, due to " customer advised not authorized ''. I did not authorize such a reversal. In fact, I closed my account with SVB on XX/XX/XXXX. Per my partner, XXXX reports that the payment reversal was ordered by SVB on XX/XX/XXXX ; I was no longer a customer of SVB at that point. This payment reversal happened 10 months after the payment was completed. When I contacted SVB on XX/XX/XXXX to straighten this out, they said they will investigate it and let me know after 10 business days. On XX/XX/XXXX, SVB told me that they did not have a credit for {$76000.00} in my ( closed ) account. They, however, refused to confirm whether they ordered the payment reversal. We do not know where the XXXX is. XXXX is insisting that my partner pay the loan amount ( with accruing interest ) and they decreased her credit score by placing this loan on her credit. XXXX refuses to place an administrative forbearance on the loan or reverse the credit score/report while the investigation is ongoing. Current status is investigation is still on going.
Product: Credit reporting or other personal consumer reports

Checkr provided XXXX XXXX with my personal information without my consent.
Product: Credit card or prepaid card

I have had a XXXX  credit card since XX/XX/XXXX. I received a bill of {$170.00} in XX/XX/XXXX which I paid on time and said payment was processed and removed from my account. I received notification XX/XX/XXXX there was a problem with myXX/XX/XXXXaccount. This person left a message and did not identify themselves as representing XXXX XXXX. I called back and they said they did not receive my payment. I had my online banking account, XXXX XXXX, send a proof of payment. I also sent paperwork in to dispute the claim of non-payment. During that time XXXX XXXX XXXX XXXX XXXX  continued to add Finance and service fees on my account during the dispute. At no time was I told that my payment, as per usual practice, which had been written out to XXXX XXXX XXXX, was now the wrong payee. Having accrued during this time {$190.00} in fees on my account I was told if I paid the minimum {$92.00} they would expunge {$180.00} in fees. I didn't add up the fees at the time and still do not understand why the other {$14.00} was not also expunged. This was in XX/XX/XXXX, and my credit rating was being ruined so I paid the {$92.00}. They continued to add finance charges of {$2.00}. I paid the remaining {$81.00} for the total of the original bill of {$170.00}. I then received, most recently, an additional finance charge of {$2.00} on my account. This was on top of the {$14.00} fee not previously removed and the {$2.00} fee they had tacked on. Today I paid them {$18.00} to prevent them from going in and once again attempting to ruin my good credit and continue add finance charges on my account. I firmly believe that the transfer of ownership of XXXX XXXX  is being exploited to extract erroneous fees from this customer. Thank you for your time