23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There is incorrect and inaccurate information on my credit report. My TransUnion and XXXX credit report is reporting a account on my report from XXXX XXXX and XXXX XXXX  which is indeed not my account. It's does not report on XXXX at all and would like this account removed. It is not accurate. It is not linked to any address on my credit report at all. I disputed this with TransUnion plenty of times with no resolution. 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( * ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Student loan

After my bankruptcy was discharged, I received written communication from Navient that I had to start my repayment plan would start on XXXX/XXXX/2017. Several days later, I received another letter stating my request for forbearance was approved. I did not request a forbearance and have not been in contact with Navient. I am planning on paying my loan back because I do n't want to accrue any more interest on my loan.
Product: Debt collection

I was contacted about a debt with XXXX XXXX XXXX regarding an old credit card debt. I ended up paying the debt {$730.00} to get it removed from my credit. Even though they failed to send proof that it was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered into a person loan with BMO Harris for {$15000.00}. Due to being diagnosed with XXXX  XXXX in the last week of XX/XX/XXXX, I was extremely ill for over month. In XXXX I was XXXX, laid off of my job, and dropped from my corporate insurance policy. I was sighted for a 30 day late for XX/XX/XXXX by BMO Harris on this loan. When I was well enough, I contacted BMO Harris and notified them of my near XXXX XXXX issue. I requested a courtesy adjustment to my credit report undet the circumstances and was told that they would remove the late pay as long as I caught the payment current. On XX/XX/XXXX I paid {$600.00} to catch the payment up. The late pay was never removed. I then repeated the process and disputed the late pay. Still.never removed. Now, on XX/XX/XXXX I cantacted BMO again and spoke with someone in the department that handles credit reporting. After being on hold for 45 minutes, i was notified that management had approved for the late pay to be removed, the sited the previous notes and I was told it would take 7-10 days. Today is XX/XX/XXXX. The late payment is still reporting. At this point, this late payment is adversely affecting my ability to finance my business and do my life, and take care of my family. According to the Hereos Act Section 110401, negative consumer credit reporting is suspended during the Covid 19 Pandemic plus 120 days there after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a small issue with my bank and my car payments made to wellsfargo were refunded to me over a three month period. Wellsfargo reached out to me and made me aware of this and I immediately paid them back what was taken from them. They ensured me over a recorded line they would not hurt my credit since they got their money back within 48 hours of notifying me. Wellsfargo then destroyed my credit report and maked me as 90 days past due. I was never past due, I paid all my payments on time and when the little hiccup happened I got their money right back to them asap. Now my credit score has dropped XXXX points and I cant even use my credit anymore due to them falsely reported things late after one of their reps even promised me that wouldn't happen or be the case. 
So within 3 days of the incident after I was notified they were paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was negligent in safeguarding my personal information opening the doors to the potential of lifelong identity theft. They also did not notify me in a timely manner when the data breach was discovered.
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 USC 1681. 

XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX and I am submitting this CFPB= complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$270.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX XXXX : {$7500.00} XXXX XXXX XXXXXXXX Balance Owed : {$54.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

XXXX : Account balanced has been cancelled and debt satisfied. Please correct error on the status balance to ZERO. I have dispute this and no action has been taking, please correct.
Product: Debt collection

I just noticed this XXXX from asset care LLC hit my credit report and disputed it immediately. They declined, have provided NO documentation to even prove it belongs to me. They have violated my HIPPA rights if it has anything to do with me medically which is impossible as I haven't been to the doctor or hospitalized in years. 

They provided no proof that the debt belongs to me. They have not removed this from my credit and they said it hit my credit in XXXX. How is that possible? 

Needs to be removed immediately and I would like them investigated as I was part of not only the XXXX data breach but also XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How did the student loans ended on my credit report? They do not have a place here. It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! US DEPT ED XXXX, XXXX XXXX, The following accounts do not reflect their accurate status. They were taken cared of. I paid them in full as agreed. It is not accurate, take them off XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage with Rushmore loans is XXXX per month. I have been on time. prior the loan was with XXXX, and I was always on time. I logged in XX/XX/21 to make my payment, and my payment was increased to XXXX no phone call, nothing in writing at all about the increase. I called on XX/XX/21, spoke with XXXX, he said escrow was XXXX, and now they included it stretched over a year. I asked for detailed escrow info and he said they have to mail it. He said he would call me Friday, XXXX and perhaps they can stretch escrow over 72 months or longer. I didn't hear from him on XXXX, I called again- I spoke to XXXX , and said it should be fixed that night. I just checked, payment hasn't changed. no phone call. I bring home XXXX every 2 weeks ; I can't afford XXXX per month and still pay other bills. Is there any help I can get? 
thank you
Product: Credit card or prepaid card

I have spoken to PenFed several times about reducing the interest on my Promise Visa credit card and they refuse - even though I have a credit score of approximately 750. I have even offered to convert the card to their Gold Visa product, which has an inherently lower rate, and they still refuse. They say I have to apply for a totally new account, which would require me to add a new account to my credit, tarnishing my report, while also losing the history on my Promise Visa, further harming my report. They can, and should, simply lower the rate on my existing product. The rate on the card was quite low when I got it and has been adjusted upward due to the prime rate - which I understand is out of their control. That said, they should be reviewing accounts to determine whether the margin they add to the prime rate can be reduced for customer who have a perfect payment history with them and have never exceeded their limit. I would like to see my interest reduced to the 13 - 14 % range and feel that this is realistic based on the very positive relationship I have had with PenFed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two additional social security numbers attached to my credit file that do not belong to me. I tried to dispute the additional SS # 's but I was unable to do so without signing up for a product or service of some sort. I have been denied credit increases, had debt added to my credit file and disputes denied because these additional socials that do not belong to me. I shared that I was a victim of identity theft on my credit file, however, the credit reporting agencies keep attaching debt that does not belong to me. I recently had experian remove a debt for over {$7000.00} from the social security administration - I had never been pursued for that debt or received any information by mail or phone call about it, it just showed up one day. I am not sure how many of these accounts are EXACTLY the same as this one.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an incorrect credit report information but I still have ITEMS left that needed to be removed. I was going through my records & noticed items which do not belong to me were still in my credit report. Under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to mistaken credit reporting. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX I notified First Midwest Bank, now Old National Bank that my Mother passed away. I spoke with XXXX a banker she advised that I needed to send a copy of death certificate, copies of the XXXX ID and a noterized letter that I wanted to close the accounts. This info was sent certified. Two weeks later XXXX called me and said that the bank XXXX said that I would have to travel to XXXX in order to even close the account. This whole problem has now taken 4 months. This should be illegal and I believe it is. Beware of this bank location in XXXX IL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Account Number : 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : The XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX  XXXX  Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Checking or savings account

Citi Bank offered a Savings bonus of {$450.00} when {$50000.00} was deposited within 20 days of opening the account and balance was maintained for 60 days from when the funds were deposited. I deposited {$50000.00} on XX/XX/XXXX and have maintained the Balance to this day, ( XX/XX/XXXX ). I contacted the bank 3 or 4 times in XXXX but did not keep records of contact until XXXX. Since the first part of the year I have been in contact with the bank no less than 6 times. XX/XX/XXXX was when I actually got a case number from XXXX who acknowledged I had meet the qualifications of the offer in a chat. Follow ups were made XX/XX/XXXX, XX/XX/XXXX, XXXX, ( talked with a supervisor ), XX/XX/XXXX, ( talked with XXXX who said she would forward to a manager ), and XX/XX/XXXX, ( talked with supervisor, XXXX. Each time I talked with someone I was told someone would get back to me with in 5 business days. Twice I was told they would get back to me within XXXX hours. I have yet to be contacted by anyone. This last time I called, XXXX, told me they have a backlog and I will just have to continue to wait. I've continually asked if there is another department I can contact and they always say no, we're it. It's been over a month since I was given a case number and 7 months since making my deposit. That seems like long enough for them to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information listed on my consumer report, requesting for the inaccuracies to be deleted
Product: Checking or savings account

Im the victim of identity theft and I dont recognize the account Discover Bank is reporting on my XXXX and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to XXXX  and XXXX  XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to me.
Product: Debt collection

Upon checking my credit report I noticed that Allied Interstate is reporting a collection to my XXXX XXXX consumer report that I have no knowledge of. 15 USC 1692c ( c ) clearly states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collectors further efforts are being terminated ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX reports I have a delinquent acct with them. I do not. Plain and simple. Somehow, this information is " verified ''. I will dispute this until I die.
Product: Checking or savings account

Excessive overdraft fees I don't have dates im sure they can look them.up
Product: Mortgage

I applied for a construction loan with a loan officer, XXXX XXXX. He was recommended by the builder we were using to build a modular home. XXXX XXXX was working for a bank out of XXXX and I met him in a basement to submit the application. After a few weeks, XXXX left the XXXX company and began working for Prime Lending -a Texas based company. He took my financial paperwork ( and never gave the copies back to me ) to the new bank promising it would be a better experience. Come to find out that the builder is not truly a builder and has no funds to pay contractors. Prime Lending does not vet their builders properly. The bank would not release any deposits to the contractors and the contractors would not work without money so I was forced to liquidate my XXXX to lay out funds to pay for work prior to the construction loan paying. I also found out they were advancing funds to the builder without my knowledge of what the funds were being used for and the builder 's contractors did not work on the house for months causing delays. during this time, I was requesting rate quotes daily as XXXX XXXX said there are 6 month rate locks. After a few days of emailed quotes. he stopped quoting me. He said getting rates thru his system was difficult. He never called me- never followed up even after rates started to climb.The whole reason for doing the end loan with them was to save the XXXX mortgage tax that I paid when I closed the construction loan. That was the carrot used to get me to do my permanent financing with them. I called XXXX manager, who did nothing, I contacted Prime Lending customer service and after 30 days of not a call or email back, I just emailed them and they turned me back to the loan officer for rate quotes. I believe Prime lending dropped the ball with quoting rates, I believe the builder and the loan officer are in collusion and Prime is responsible for not vetting the builder to see he had no funds to build a house. Their complaint department does not seem to take this complaint seriously. I would like to have my mortgage tax assigned to my new bank due to having to do all my own leg work, and the bank not quoting me rates in time to lock in to something reasonable - as rates have increased dramatically- was this a ploy as well. 
Their customer service rep ignored my request for assistance. I asked when his response would be and he said give him 30 days. It was after 30 days when I emailed him back to ask what was going on. The same situation was happening with XXXX XXXX. I only got rates when I prodded him. There was little communication and I believe I need to get this out to you so that no other " customer '' will go thru the experience I am presently trying to get thru.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. XXXX XXXX. XXXXXXXX XXXX  XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions.