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

On XXXX XXXX XXXX XXXX  I called Experian to have old addresses that I previously resided, at to be removed from my credit profile. The customer service representative, from Experian responded ; " that the company is not able to remove old address, and incorrect names from my credit profile with ( Experian ) and that it is company policy to have the old address, remain on consumer 's credit profile for the company records ''. 

I am submitting a complaint because Experian is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), " credit bureaus are required to ensure that all information on a consumers credit report is accurate, complete, and up-to-date. Reporting outdated or incorrect personal information violates my rights under the FCRA, which entitles me to have such inaccuracies promptly corrected or removed. '' The only names I use are : XXXX XXXX XXXX and the only address associated with me are my current residential XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My mailing address is : XXXX XXXX XXXX XXXX, XXXX XXXX. Please have Experian to remove any former addresses that they have listed on my credit report as well as remove any names that are not associated with me also. 

Thank you in advance for your help regarding this matter.
Product: Credit reporting or other personal consumer reports

The money source XXXX XXXX XXXXXXXX XXXX XXXX XXXX or aka XXXX is shown on my credit bureau as the originator of false fraudulent and harmful publications on my credit report. Today they claimed Im two months late XXXX XXXX. They reduced my score almost XXXX points. They are intentionally knowingly and deliberately out to harm me because I filed a case against them and have reported their conduct to several state consumer protection agencies like attorneys general in Illinois. They are out to hurt me anyway they can even if its obvious and totally illegal. Today they claim the fraud loan was paid in XXXX. Then they claim it is 30 days late in XXXX. XXXX  thats obviously impossible. And by their own choice and by their intent and willfull purpose they know the loan was sold in XXXX transfered XX/XX/XXXX but they claim Im late for XXXX too. XXXX  so willful and so intentional to harm me. They know I have a case but they want to do everything to harm me. So sad. So illegal. So obvious. Remove this debt from my credit file as u promised, stop reporting false fake info on my file, stop the theft of funds used to cancel this debt. And stop making money on the debt by not transferring it to XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Just stop already. Their attorney contacted me today to say XXXX did nothing wrong. XXXX  sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$310.00} XXXX  Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF ED/XXXX  Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX has violated my rights. XXXX5 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
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. 

The letters are stated with items and issues. 

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 XXXX 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 should serve as a written notice to Sagestream that I XXXX XXXX wishes to put a security freeze on any information on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have had a continuing issue with Capital One Spark Card posting payments on time. Latest issue was in XX/XX/XXXX. Payment was due on XX/XX/XXXX. On XX/XX/XXXX, I paid {$1500.00} ( considerably more than the amount due and enough to pay the entire card ) on-line via our XXXX XXXX bank account. XXXX XXXX records show they sent the {$1500.00} payment via paper check through US Mail on XX/XX/XXXX. I was disappointed that these two mega banks could not find a way to transfer funds electronicaly to each other, but thought all would be fine because we still had 4-5 days until payment was due. Should be enough time for mail delivery and posting, or so I thought. 

Unfortunately, Capital One did not post payment until XX/XX/XXXX, a full 18 calendar days after I sent funds on line through XXXX XXXX. Either XXXX XXXX did not truly send funds on XX/XX/XXXX, the check got held up in the mail, or Capital One was very slow in posting payment. In the meantime, Capital One sent an update to credit reporting agencies that we were 60 days past due on payment. My FICO score dropped 41 points overnight as a result. We are looking to re-fi our home mortgage, and this dropped my score below 700. Now the lender we were working with is no longer willing to give us best rates. 

In researching this issue with both XXXX and CapOne, we have learned that this has been a consistent issue for several months- payment takes up to three weeks to post ( I have dates from bank statements, confirmed by XXXX service ). By the way, XXXX XXXX service has been terrific. CapOne- not so much. My understanding is that XXXX has contacted CapOne to confirm to CapOne that they ( XXXX ) sent payment on XX/XX/XXXX. So, CapOne should be well aware that this is their error- not mine or XXXX XXXX . 

My complaint is that CapOne seems to have sloppy operations where it takes them up to two works or more to post payment after they have evidently received it. Their neglect should NOT have a negative impact to my credit rating. XXXX XXXX has been great. I have made mutiple calls to CapOne and they say their is nothing they can do, other than to look into it again which will take an additional 60-90 days. They have alrady looked into it and sent me confirmation that eveything they have reported is accurate. I have very little confidence that they even understand my complaint- THAT IT TAKES THEM TWO WEEKS+ TO POST PAYMENT. They seem to be stuck on their actual posting date, and say all is accurate because the posting date is what was sent to reporting agencies. They keep missing my point that the whole issue is that they have had a check in hand for two weeks and they have failed to post it. Not my fault they have XXXX operations, but my credit rating has seen considerable damage as a result of their sloppiness.
Product: Mortgage

Hello, in XX/XX/XXXX i requested forbearance due to XXXX and received approval for XXXX months XX/XX/XXXX Forbearance was extended another XXXX months XX/XX/XXXX XXXX XXXX uploaded to SPS to assist in repaying the delayed payments while in forbearance. 
XX/XX/XXXX SPS requested financial information ( taxes, XXXX XXXX XXXX, bank statements, etc ). We emailed the requested documents to the relationship XXXX. The receipt was confirmed by SPS. 
Additional Documentation Uploaded XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Requests for clarification of information ( answering includes uploading information or calling to clarify previously sent information, often information and questions we already provided : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Assistance Package Notice ( letter stating all the required information was received and we should receive an answer in approximately 30 days ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Property Appraisals done ( new appraisal each time ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Resumed making monthly mortgage payments. Was told we did not need to make the payments while in the XXXX process but because of all these delays it had been a year, so we started making the payments as to not get further behind. 

XX/XX/XXXX received an email that they needed clarification on some documents. Called and spoke to a relationship manager, she said the notes asked to confirm what % of a company was owned by XXXX. I told her that I had sent over XXXX different profit and loss statements for that company with that information on it. I sent that information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Every time they ask for more information, or the same information previously supplied everything is again pushed out XXXX business days. 

all i wanted since XXXX is to start paying back and work out a deal about missing payment, i consulted with mortgage broker and he recommended to start making payment which i did this month XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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, CA, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a text message to my cell phone the morning of XX/XX/year> with information regarding a code for Chime. I also received a second text message stating that I was now opted in for reoccurring marketing messages. When I received a third text message stating my account was ready and directing me to download the Chime App, I contacted the bank directly to confirm if an unauthorized account was opened in my name. It was confirmed that someone fraudulently used my maiden name, phone number, home address, and SSN to open a bank account with Chime. They have closed this account and stated they will be preforming an investigation and would follow up with more details through a secured email. They could not give me any details on where or who might have opened this in my name.
Product: Mortgage

I called XXXX Mortgage ( XXXX ) to obtain a XXXX mortgage interest statement. XXXX with I.D . # XXXX stated that my loan had been sold to Green Tree on XXXX XXXX, XXXX and gave me their phone number ( XXXX ). When I called Green Tree at the number XXXX provided, after providing my address and either partial or full social security number, heard a recording offering me a {$100.00} XXXX gift card and a {$50.00} restaurant gift card. I was to press a key to accept, which I did not. Then a representative who said his name was XXXX XXXX came on the line, updated my address, etc. and said the computers were moving slow and while waiting for them, he wanted to tell me about the XXXX XXXX restaurant card. I listened politely and when he asked, did I want to take advantage of these great offers, I declined. He persisted with why did n't I want to receive these free items for a small {$4.00} charge. When I declined a second time, he hung up on me. I XXXX the phone number and found out it was a number in XXXX with many more phone numbers with the same beginning XXXX and viewed complaints against the number. 

I got on line to research Green Tree Mortgage and remembered that they had merged with Ditech Financial. 

I was very concerned since I had provided the fake Green Tree representative with personal and sensitive information. I assumed since XXXX had provided me the phone number of XXXX, that is was a legitimate number and company. 
I then called the Federal Trade Commission who transferred me to the Consumer Financial Protection Bureau. The representative, XXXX was very kind and listened to what had happened, but said it was not her department to handle the incident and did not understand why the Federal Trade Commission had transferred me to her department. Since I could not get anything done through either of them, she suggested I file a complaint here. She transferred me to a department that could provide me with information to protect my identity, credit, etc. 

I called XXXX and placed a fraud alert on my credit report. I was told the other XXXX credit bureaus, XXXX XXXX and XXXX would also be notified to place a fraud alert. 

I called XXXX back so that they would not continue to give out the number since it is a scam coming out of XXXX. I spoke to XXXX with I.D . # XXXX, who said she needed to transfer me to an agent in the United States. I then spoke to XXXX with I.D . # XXXX, who listened to what happened and told me that that was the number they were using for Green Tree. She put me on hold while trying the phone number herself. She was put on hold and then the call hung up. XXXX thanked me for letting them know about the scam number and said she would be reporting it to her supervisor and upper management. 

I am filing this complaint for two reasons : 1 ) to file a complaint so it will not happen to others and 2 ) to document and protect my identity, credit, etc Thank you. 
XXXX XXXX
Product: Debt collection

I, Consumer XXXX XXXX entered a consumer credit transaction at XXXX XXXX XXXX for household and personal use and received no benefit. Sold and furnished my personal and private information to Capitol One as the lien holder and Converted to a " loan '' In accordance with the FTC, TILA, FDCPA, and FCRA is in Violation pursuant 12 USC 4502 ( 25 ) consumer rights pursuant 18 USC 242 deprivation of rights under color of law pursuant 16 CFR 444.1-3 and 16 CFR 433.2 preservation of consumer claims and defenses unfair and deceptive acts or practices. Billing error Pursuant 15 USC 1666 and 12 CFR 1026.13 Billing error resolution pursuant 15 USC 1692 e false and misleading representations pursuant 15 USC 1692 j Deceptive forms and obscene and profane language pursuant 15 USC 1692 d harassment and abuse.Any debt allegedly owed pursuant 18 USC 8. 15 USC 1635 right to rescission as to certain transactions, only recieved right to cancel did not disclose my right to rescind.15 USC 1692j furnishing deceptive forms. 15 USC 1605 Finance Charge.
Product: Checking or savings account

I changed phone companies and they wouldnt port my previous number so it was changed Vio Bank a division owned by Midfirst bank will not change my phone number on my account. I have verified with two service agents on the phone my account, my birthdate, last four of social, code word on account, I have been told by two other reps to go to a midfirst branch and I knew midfirst reps can not change anything in vio system. Then they asked for proof from phone company which was sent through a midfirst branch. This has been two days and they are still holding over $ XXXX hostage. I am now at XXXX on Friday and scheduled to fly on vacation which I will have to cancel because
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed LXXXX XXXX XXXX {$4500.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$26000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. US Bankruptcy Court XXXX XXXX {$0.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed XXXX XXXX XX/XX/XXXX {$5100.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$2300.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$5400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.XXXX XXXX XXXX XXXX {$1900.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1700.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$2000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.
Product: Credit reporting

On several occasions, I mailed letters to all 3 credit bureaus. 

EQUIFAX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

Equifax mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX/XXXX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX Equifax mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

Equifax Mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX Service Member Currently XXXX since XX/XX/XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX the account number ( XXXX ), a personal loan account opened at under the account number XXXX XXXX XXXX XXXX ), and a collections account opened at credit collection servic account # ( XXXX ) XXXX XXXX XXXXXXXX account XXXX XXXX XXXX ) XXXX XXXX XXXX account XXXX XXXX XXXX ) that appears related to the aforementioned personal credit card account opened at ads/comenity/victoria account # ( XXXX ) credit card account XXXX XXXX account # ( XXXX ) student loans all have same account # ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report DUE TO MULTIPLE DATA BREACHES I WAS EFFECTED. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud due to several data breaches i was harmfully effected by.
Product: Credit card

U.S. Bank, NA offers a product called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The most valuable benefit of the card is the " Bonus Award Night. '' The Bonus Award Night is a free night on multi-night award stays. When I applied for the card, the marketing materials stated that the benefit is conferred upon the cardholder in exchange for the {$75.00} annual fee. I paid the annual fee on XXXX XXXX, 2015. On my very next statement, I was informed that the Bonus Award Night is no longer a benefit. I think that it is dishonest to cancel the most valuable benefit directly after accepting payment for the annual fee.
Product: Credit card or prepaid card

Opened a Kohl 's credit card. Used it for one purchase, I paid the entire card off at the time of the one purchase. After I closed the account, Kohl 's, started calling me several times everyday stating I have a {$10.00} unpaid balance. Now they are adding interest. I paid the entire balance at the time of the purchase and never used it again. I told them on the phone that they have inaccurate information and I do not owe them anything. They said they would file a dispute. That was a couple of months ago. They call relentlessly and I block every single number they call from.