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

I opened an account with US Bank in response to a {$400.00} new customer offer. After opening the account, I became aware that US Bank had acquired another bank 's accounts, and thus myself as one of their customers. US Bank continues to use the branding of the prior bank on these accounts and has provided no communication indicating a transition of ownership. 

Once realizing that this may mean that I did not qualify as a new customer, I reached out to US Bank and was assured by multiple associates that the separate branding for the prior account meant there would be no issue and that I should continue fulfilling the terms of the offer. I then fulfilled the terms and completed the offer. 

However, the {$400.00} bonus never arrived and each contact with US Bank assured me that I had met all of the requirements and to just give it a few more weeks. I continued asking US Bank to clarify the timeline for the bonus payout, which eventually lead to a " research request '' being filed. I was told that I would hear from US Bank within a few business days. I never was contacted and subsequent contacts with US Bank indicate no such " research request '' existed. 

After it was clear the " research request '' didn't exist, I requested a path to resolution from US Bank and was directed to go into a physical branch, which was the only way to get it resolved. I did so, and they proposed filing another " research request. '' I was again assured that I would be pro-actively contacted with the results and that it would be a few business days. I again have received no communication from US Bank on this matter. 

As part of my in-branch visit, we were able to ascertain that US Bank does not honor USPS 's National Change of Address program like other banks I associate with. As a result, any physical notification of the acquisition of State Farm Bank accounts by US Bank was sent to a known old address and returned to sender by USPS. US Bank then clearly took no action to contact me via phone or email to convey this information to me. 

As a result, I opened the new account in good faith belief that I was a new customer and was repeatedly assured that it would not be an issue. After repeated attempts to resolve the matter, I continue to get directed to non-existent " research requests '' with no clear answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX  XXXX Balance : {$7.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Subject : Urgent Assistance Needed : Misleading Information and Financial Struggles Due to Car Purchase I hope this message finds you well. My name is XXXX XXXX XXXX. I am writing to address a concerning situation since I purchased a vehicle from your dealership ( Own a Car in XXXX ) in XX/XX/XXXX, with XXXX XXXX as the sales representative. 

During the purchase process, XXXX XXXX assured me that I could refinance the truck within six months, a crucial factor in my decision, as I needed the vehicle to assist my daughter in moving to XXXX for college. Unfortunately, the information has proven false, leading to significant financial strain. 

The interest rate on the loan is excessive, resulting in monthly payments of {$1500.00} and a current payoff of {$43000.00} as of XX/XX/XXXX. Despite my efforts to explore refinancing options with various banks, I have encountered significant challenges. The loan amount is mismatched with the actual value of the truck, making it difficult to secure a more reasonable loan or refinance. 

I have also attempted to explore trading in the vehicle, but this has resulted in negative equity. Regrettably, both XXXX XXXX XXXX XXXX XXXX and Flagship Credit Acceptance, the loan company involved, have not yet cooperated in finding solutions to lower the payment and percentage of the loan. 

I am reaching out to find an amicable resolution to this matter. I aim to secure a loan of at least {$800.00}, providing some relief from the financial burden imposed by the current terms. I am open to discussion and negotiation to find a fair solution for both parties. 

I request your attention and assistance in resolving this matter promptly. Your cooperation is crucial in alleviating the financial strain I am currently facing. I appreciate your prompt attention and look forward to a positive resolution. 
My current percentage is 26 % ; a banker said it is like a credit card percentage. 

Humbly, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Called and spoke with " XXXX '' and " XXXX XXXX and neither one of the resolved my issue. I asked them who did they contact at the court house to verify the bankruptcy. They told me they do not have to provide me with verification of who the contacted and who they spoke with to verify my information. 

I have contacted the court house and also provided letters to the credit bureau and they have failed to verify my information. 

file # XXXX Experian and XXXX have failed to provider proper documentation to give me as a resolution to my dispute.
Product: Credit reporting

Experian has not updated or correctly updated XXXX of my credit card accounts. At issue is the failure of Experian to list the proper account number for these XXXX credit card account. In addition, in the reply to my dispute, XXXX of the credit unions that issue me a credit card is now erroneously identified by Experian as a medical facility ( XXXX treatment facility ). 
I should note at this time that although the account numbers associated with these XXXX credit cards are not correct, I do not dispute the accuracy of the payment history or balance history of these cards. That information is correct. In fact, I have a very high credit score. 
Why inaccurate account numbers matter : Regulations require financial institutions and government agencies verify our identity prior to conducting business with us. Erroneous information in credit bureau files result in failed identity verifications. 
1. My XXXX Bank credit card is identified by Experian, using a number that I do not recognize, nor does this erroneous number appear anywhere on my XXXX account or statement. I have requested that Experian list the XXXX digit XXXX credit card number for this account, the same way XXXX does. 
2. My XXXX Credit Card is now miss-identified as a " medical account '' ( XXXX treatment facility ) .This latest error is a result of the Experian " investigation '' of my original dispute. This is a credit union visa credit card account, not a medical related account. My original dispute issue also has not been corrected. That issue is that Experian is listing my XXXX digit credit union member ID number, instead of the XXXX digit XXXX credit card number that would accurately identify the account that they are actually reporting on. 
3. My XXXX XXXX XXXX XXXX Credit card is misidentified by Experian by using my XXXX digit credit union id number instead of the XXXX digit XXXX Credit card number that actually identifies the credit card they are reporting on. 
This issue was brought to my attention by a failed attempt by the Social Security Administration to confirm my identity by having me enter a XXXX digit major credit card number. Social Security uses Experian to verify identify, even though ( in my case ) Experian does not associate XXXX digit XXXX account numbers with the XXXX cards that it reports on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 this year, I submitted a request to the credit bureaus because I noticed that there is some inaccurate information being reported being reported on my credit reports. I have not received the information back about these accounts or how the accounts were verified to be placed on my credit reports. I am also aware that my information was in the recent Equifax Data Breach in which I have asked that all bureaus remove the non-account holding inquiries and inaccurate personal information from my credit profiles. Of which I have received no correspondence back at this time. I am requested for these to be deleted from my credit reports immediately.
Product: Mortgage

I closed on my loan with XXXX XXXX  XXXX on XX/XX/2022. Our first payment was due on XX/XX/XXXX. Since we closed, I have been trying to figure out how to make payments to the mortgage company. They've given me contacts to 2 servicing companies but neither of this servicing company has a my loan information. I have not received any correspondence from XXXX XXXX  XXXX. I've sent XXXX payments to XXXX with extra to cover principal but I have not received any notification on whether my payment was received or applied to my mortgage. Furthermore, I never have trouble with my other mail being received but XXXX insists they have not received checks that were mailed more than 2 weeks ago. My gut tells me is that they are not posting the check so that the interest they are charging on my {$640000.00} loan at 7.5 % can keep accruing. Please help me address this problem. This is the 21st century. Any mortgage company worth it's salt should have online access to me to pay and view my mortgage information. This is XXXX and I do not have any of my loan information
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed an ftc report and faxed it over to Equifax and XXXX  due to the fact that i am a victim of identity theft. equifax and XXXX  did not respond properly as i have listed the inquiries that was listed on the report as which is on the ftc report. there still there in i find this as a violation and stress due to not having my rights taken seriously ... 

I checked my report and discover inquiries that doesn't belong to me which is fraudulent inquiries. The inquires are 1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX  XXXX XXXX 4. XXXX please equifax and XXXX  remove this information that isnt mind i didnt give anyone perimission to authorize inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim of identity theft. There are so many inquiries all of my credit reports. The vast majority of them do not belong to me. Please remove as soon as possible so that I am able to keep good credit. I've worked extremely hard to restore it, and I will let nothing get in the way of that.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address inaccuracies and violations in the reporting of several accounts on my credit reports by various creditors and credit bureaus. The following accounts are being reported incorrectly, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Account 1 : XXXX XXXX XXXX Violations : XXXX XXXX XXXX continues to report a derogatory account on my XXXX and Equifax credit reports, despite the fact that XXXX has deleted this charge-off. The creditors have failed to ensure the accuracy of their reporting as required by the FCRA ( 15 U.S.C. 1681 ). XXXX and Equifax are actually non compliant and are being negligent by not following suit violating 15 USC 1681N Civil liability for willful noncompliance The account was not properly validated, and I was not provided any notice or opportunity to dispute the account before it was placed on my report, violating 12 CFR 1006.34 ( b ) ( 5 ), ( c ) ( 4 ) ( i ), and ( d ).

Resolution Requested : I request that XXXX and Equifax immediately delete this inaccurate information from my credit reports to ensure compliance with federal regulations. 


Account 2 : XXXX XXXX ( Original Creditor : XXXX ) Violations : The debt collector XXXX XXXX has reported a collection account on all three of my credit reports without ever providing validation of the debt or the required notice, in violation of 12 CFR 1006.34. 
The account was placed without giving me the opportunity to dispute it and is therefore misrepresenting my creditworthiness, violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ). 
Resolution Requested : I request that the credit bureaus remove the collection account due to its inaccurate and unverified nature. 


Account XXXX : XXXX XXXX Violations : The account number associated with this XXXX XXXX credit card is being inaccurately reported. This inconsistency breaches the requirement for accurate information under the FCRA, 15 U.S.C. 1681. 
XXXX XXXX has not clarified nor provided adequate validation. The conflicting details of the account number and reporting raise concerns about the legitimacy of this account. 
Resolution Requested : I request the immediate deletion of the reported account and that the incorrect XXXX XXXX account be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a XXXX XXXX XXXX on my report. Ohio law and courts do not report to credit bureaus or third party reporting. The courts do not allow that and will not provide that information to the credit bureaus. They are not permitted XXXX, XXXX or Experian to place information on my report without accuracy or proof from the courts. I would like this removed immediately from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a permanent credit freeze in XX/XX/2020 with Experian because of identity fraud concerns. After I resolved my concerns, I have sent two certified letters to Experian asking them to remove the permanent credit freeze. I have received acknowledgements they were working on the removal, but when I actually try to work with a lender, the freeze remains. I am attaching my latest certified letter to Experian to confirm I have tried to resolve this matter on my own.
Product: Checking or savings account

Was supposed to get direct deposit at midnight XX/XX/year> for my employment to capital one bank account and it's not there.. my phone and power was shut off due to not paying in time
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a past loan account with Navy Federal Credit Union. I was late on the account and it was reported as such. I later was able to refinance the loan with Navy Federal Credit Union. As a result of me refinancing my original loan ( still with NFCU ) NFCU created a new loan, new account number with updated terms of the loan. Unfortunately, NFCU reported the exact negative information that was reported in the original loan in the newly refinanced. <P/>This is not accurate. My credit report with all 3 reporting companies XXXX, XXXX and XXXX  for several years continue to report that I had to loans with NFCU and both have the same late history being reported. <P/>I have disputed the information with each of the credit reporting companies with no resolution. I have contacted NFCU personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to my credit report.
Product: Money transfer, virtual currency, or money service

I was attempting to buy tickets for a concert in XXXX on Tuesday, XX/XX/XXXX, XXXX XXXX were playing. I was trying to buy tickets off XXXX the day of the concert, which I've done in the past. Someone agreed with me to sell the tickets at a reasonable price, two for {$240.00}. The seller wanted to do the transaction via XXXX, I never used XXXX but presumed it was safe because it was linked with my bank. I attempted to transfer the funds to the Seller at the email address XXXX, but the transferred failed to go through due to an error with the Seller 's XXXX account. I usually would have been alarmed by this but the seller was incredibly pleasant and immediately suggested we use his wife 's account at XXXX and he gave her name as XXXX XXXX. The fact the account was already set up and he provided a full name that was associated with the XXXX account reassured me to send the money. I sent the money and texted the seller if his wife had received it, he said they could not tell. I noticed that the XXXX transaction stated it was received so I asked again and the seller told me to simply hold on because he was out work. I got very frustrated after ten minutes and proceeded to repeatedly call the Seller, but the Seller did not pick up. It appears the number is still in operation, I tried calling it from an unknown number today but no response. The seller 's number is XXXX I called my bank, Regions, the next day after it happened to see if I could get the transaction blocked. The Regions representative was nice and sympathetic, he told me that they should be able to block it and that it would take 3-5 business days. I made this call on Wednesday, XX/XX/XXXX. I received a peculiar notice ( attached below ) that the regions disclosure statement and agreement for electronic banking services had been amended on XX/XX/XXXX. Interestingly enough, the amendments were primarily to the section regarding XXXX and other payment services. Section 7 covering refused and returned transfers was amended, the section now states that Regions will use reasonable efforts to block prohibited transfers and return funds. I'm curious as to what the section said before. Nonetheless, I called Regions on Wednesday, XX/XX/XXXX because it had been 5 business days and they informed that my funds could not be returned because XXXX does not have a fraud prevention policy when the transfer was authorized by the user. I felt betrayed due to my belief that the transfer was through my online banking portal it would be safe and that Regions would prevent or reverse any fraudulent transaction. I was sketched out about the curiously timed amendments and by the fact that Regions did not contact me when they knew my funds could not be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I notified XXXX XXXX XXXX now XXXX XXXX XXXX that there was an error on my account as I paid XXXX payment of {$450.00} on XXXX and I received notification that I was showing past due.I immediately followed up with XXXX/XXXX  indicating that I have the receipt showing my account was never past due 30 days. It was then confirmed that I was correct and that the problem was resolved. XX/XX/2021, I received an alert on credit report XXXX, XXXX, and Experian that I was reported late. I then contacted XXXX/XXXX  and spoke with XXXX XXXX to enter the dispute and it will be corrected immediately. On XX/XX/XXXX I received an alert that my credit report dropped 21 points due to this error still showing 30 days past due. I have left countless messages for someone to get back to me and today, left another urgent message to contact me and to no avail have I heard back from this creditor. Also, this has been going on since XX/XX/2021 first with XXXX XXXX who was to fix the problem and now XXXX who I have left a message for a call back. To date, I'm still receiving alerts that I'm past due. When they show payment received!
Product: Credit reporting or other personal consumer reports

please check the information concerning the eguifax data breach below in attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I I haven't had a freeannualcreditreport in years I try to request an annual report online and it stated I wasn't giving the correct information so I called an XXXX number with XXXX I tried again it went through the steps to identify myself and they gave me a incorrect first name all together not even close so I gave me an option to give my correct name and I did but the annual credit report that I requested through the mail was never received instead I received a letter stating that they still could not identify me and I would need to contact you I need to know what steps to take next and what can be done and how this happened who and why and where and how it can be fixed please
Product: Debt collection

I am writing regarding a collection entry from your agency that has appeared on my credit file. This entry is of significant concern to me as I was not previously notified of this collection, and I have serious reservations about the accuracy of the claimed debt.

As is my right under the Fair Debt Collection Practices Act, I am formally requesting validation of this debt. I expect you to provide this validation and take appropriate steps to address this issue.

Please note that a comprehensive response, including all requested items, must be furnished within 15 days of the date of this communication. Be advised that failure to provide a satisfactory validation response within this timeframe will be deemed insufficient.