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

Experian is reporting a bankruptcy on my credit report that it has not properly verified. It is showing a bankruptcy with US Courts in XXXX and it has not properly verified this information with the courts in XXXX. Experian is using a third-party company to place information on my credit report that is damaging to my status. I need them to properly verified this with the courts-that means that they speak with someone at the court and provide me the name, time that they spoke with, and the information that was given to them by the courts. Without that proper verification, they can not continue to report inaccurate information about me. 

I have contacted the courts myself and was told that they did supply Experian with such information. Therefore, Experian is showing information that they themselves have not verified but putting on the report as a true statement. 

I have contacted them and they have refused to properly verify this information. They have reported that it's been verified through their third party company. But not properly verified through the court that they are listing that I have filed bankruptcy with. 

Unless they contact the court and get the name of the person with whom they spoke, their identification number, the time and date that they spoke with such person and the results that was given to them, they are just reporting false information from a third party company that is selling information for profit-so they will report any inaccurate and false information just to get paid. 
Please correct my report and remove and delete this information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed CFPB Complaint # XXXX on XX/XX/2021. Equifax still has refused to remove the FRAUD ALERT that they put on my credit profile. They falsely claim on my credit report that I requested the fraud alert. They did it by themselves without my permission. 

I am being damaged daily by the fraud alert still existing and I can not use my credit as I please because of it. 

Remove the fraud alert immediately. 

I also requested that previous address that are not mine be removed. Equifax refused. Remove the address immediately so that other people can not use my credit.
Product: Checking or savings account

Huntington Bank has {$7500.00} of my money and they will not release the funds. They are demanding I go into a branch instead of just returning the electronic deposits I made.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  keeps selling out this debt that was paid, its for XXXX for a water bill that was at a home on XXXXXXXX XXXX XXXX XXXXXXXX XXXX that I never lived at, they held my state income tax and my rebate check for the debt and it's paid and they still have this on my credit report as owing and I do not owe this debt. They need to remove this immediately off my credit reports and stop trying to collect a debt that has been long paid off
Product: Mortgage

I refinanced my loan with RMS ( from construction to permanent financing ) in XX/XX/XXXX. At that time, my appraisal was {$2500.00} short of what was needed to avoid paying PMI payments. I was given two options- pay the {$2500.00} or pay PMI for 6 months at which point I would have reached the 80 % and PMI would be removed. I chose the later option. 

After loan closing, the loan was sold to Wells Fargo. I contacted Wells Fargo by phone the first week of XXXX of XXXX to let them know that I was requesting PMI to be removed effective XX/XX/XXXX since I had paid the 6 months of PMI ( XXXX ). The  representative told me they would investigate and get back to me. I got a letter in the mail the last week of XXXX, saying that I would have to pay it down to 78 %, which would require around {$9000.00} or pay Wells Fargo to do an appraisal of the property. Neither of which was ever discussed with me at the time of loan closing. 

I called back and was told that they always reject the first inquiry and to do the appeal in writing. She gave me a fax number to use and asked that I send the appraisal from the refinance, a note with what was going on and a request to cancel. 

I sent the appraisal, etc. on XX/XX/XXXX. I then received a letter in the mail ( dated XX/XX/XXXX but received XX/XX/XXXX ) letting me though that they would not accept the appraisal since they ( Wells Fargo PMI department ) didn't order it. 

I called back on XX/XX/XXXX and explained to them that the appraisal was done at the time of the refinance and Wells Fargo bought this loan with the appraisal ( in other words, accepted it ) so there was no need to have a new appraisal. The representative told me that those were my  options, there was nothing they could do, and that I'd have to continue to pay until I reached 78 %, or I could refinance to another company who wouldn't require PMI, or have their co do another appraisal at my expense. 


I meet all of the requirements- I am at 80 %, the property value has not decreased ( it is new construction and it was from 6 months ago- in fact we have now added a XXXX garage so there is MORE value AND i provided an appraisal that they clearly approved ),  and I am and have always been current on my mortgage payments. At this point I have paid 3 months of PMI unnecessarily, all of which could have been funds to pay towards my principal loan. 

Please assist.
Product: Credit reporting

customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a dozen ( 12 ) collection reporting only to Equifax with no creditor data attached to them. I believe these may have been old medical bills which have long since been paid and should never have been reported as collections. Since I have no creditor information for any of these accounts I am unable to verify anything about these accounts.
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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exceptional ) XXXX XXXX XXXX XXXX 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 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: Mortgage

I have an outstanding issue which suntrust has already admitted that they have made a mistake and broken the law. They followed up w me needing more information which I faxed to them on XX/XX/2016. I did not hear from them for a month. When I finally called them they said the issue had been closed. I asked them if they had received my fax, why they would close the issue without calling or notifying me by mail. They said that they would get to the person handling the issue and get back to me in XXXX hours. I have now called them 3 times in a month and have received that same response. Nobody has followed up. The case number is XXXX. The contact at suntrust is XXXX. Her XXXX is XXXX
Product: Debt collection

I have never been over 30 days late on my car loan with TD AUTOFINANCE. TD AUTOFINANCE STARTED CALLING MY JOB ON A DAILY BASIS DURING XX/XX/2019. I told them to stop calling me at work but they continued and eventually stopped calling me at work and know the call me on my cell by making their phone number pretending it's a phone call from someone in my area code. Days of the calls are the following ; XX/XX/2019 3 times XX/XX/2019 4 times XX/XX/2019 3 times XX/XX/2019 5 times XX/XX/2019 1 time ETC .... 
ETC .... 

I MAILED TD AUTOFINANCE A LETTER TO CEASE AND DESIST IN XX/XX/2019 & TOLD A REPRESENTATIVE ON THE PHONE THE FIRST TIME I SAW THE MASKED NUMBER THINKING IT WAS A CALL FROM A FAMILY MEMBER OR FRIEND. TD AUTOFINANCE HAS NOT GRANTED MY REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. They failed to comply with Fair Credit Reporting Act, XXXX XXXX, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$140.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX Owed : {$140.00} ; XXXX XXXX XXXX Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXX  XXXX Balance XXXX : {$390.00} ; XXXX  XXXX Balance Owed : {$47.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

I applied for a mortgage back in XX/XX/2023. I qualified for a FHA but required 10 % down. So my lender encouraged me to wait for my scores to go up so I would only be required to put down 3 %. On XX/XX/XXXX I checked my credit and scores and they had indeed went up. At the time I only need XXXX XXXX to increase because that was my middle score and I would have qualified for the 3 % down. I also finally found a home I was ready to make an offer on. So I requested my lender to pull my credit again. Well, they use a company called informative research based out of California. On XX/XX/XXXX my lender send me a copy of the credit information from Informative Research stating my scores has dropped which was impossible. Informative Research reported to my lender that my XXXX score was XXXX. That score is incorrect. I called XXXX on XX/XX/2023 to get insight as to how this low score was reporting. XXXX Informed me via phone that XXXX was not any score I have in their system and they arent sure why Informative Research was reporting that to my lender. I am now at a stand still with purchasing a home and Im extremely upset. Considering there were no significant changes to my credit I was confused. XXXX had my credit file mixed up but that was already corrected but the score that was reporting still wasnt XXXX. A situation like this is not okay by any standard. I checked my credit scores on XX/XX/2023 and my XXXX Score was XXXX, Informative Research reported to my lender on XX/XX/2023 my score was XXXX, I checked my score XX/XX/2023 and it shows my score is XXXX.
Product: Debt collection

Citibank-XXXX XXXXt account. 
Back in XXXX we moved into a new home and didn`t have a washer and dryer. So, the wife said they have a sale at XXXX XXXX. So I went there and they stated I can put this on the XXXX XXXX credit card and save even more. So, I took one out. I was told I have a year to pay interest free.. No Payments for a year option as well. So, I started paying on it in 6 months. {$200.00} a month from XXXX to XX/XX/XXXX. Then I haven`t received any notification to pay any more. I thought I was done since after my purchase I cancelled the card so I don`t use it anymore except to use it for the payment purposes only ... 
So, if you add {$200.00} a month for 24 months of paying on it equals {$4800.00} on a {$1800.00} purchase. Okay 14 % interest ... Paid off, Right? Nope.. They sent me a letter stating I owe them XXXX????? WRONG.. They are trying to get a double pay out of me. 
Now that I told them that it was paid off since they haven`t sent me anything to pay for almost 2 years, it was paid in full. Then they said " Oh we sent out notices ''!! I lived in the same house didn`t change addresses and I didn`t receive anything for almost 2 years? 

Can you say FISHY, FISHY, FISHY ....
Product: Credit reporting or other personal consumer reports

My XXXX account payment history does not reflect what XXXX and XXXX show which should be XXXX late payment history. under Equifax it shows that i have XXXX XXXX late payments. this is inaccurate as i have spoken with the creditor directly and my account status was updated to paid as agreed with XXXX and XXXX. please update my payment status to current/paid as agreed and i would like the late payment deleted and removed. If i do not hear back in 30days, this inaccurate information needs to be deleted
Product: Student loan

Sometime after the COVID waivers occurred, Navient started charging me a monthly fee equal to the amount I had been required to pay on my XXXX loans : {$45.00}. At first I thought it was just their way of letting me know what I would pay if the waivers had not occurred. I continued to pay each month during COVID and more when I could. They continued to charge the fee even when my income dropped during COVID and my required payment was {$0.00}. After the COVID waivers were discontinued, they still continued to charge me this amount as a monthly fee. They continue to this day. 

Due to several family crises this past year I have not been able to address this until now. I have not contacted them directly, because they did the same thing to me when they were doing business as XXXX XXXX. To get them to stop at that time I had to contact my Senator for assistance. Other people must have filed complaints on the same thing, because shortly after that they were penalized and forced to move business to Navient. I am especially concerned since I was notified 3 days ago that they are transferring my loans to XXXX this fall.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I transferred {$7100.00} to what I thought was my wife 's new account at USAA but, I mistakenly entered her USAA member number. We called the bank on or around the XXXX to see why it has not been credited to her account. At that time a representative indicated that that had happened to them before and that I should just let the normal process take place and that the bank would recognize the On XX/XX/21 I transferred {$7100.00} to what I thought was my wife 's new account at USAA but, I mistakenly entered her USAA member number instead of her account number. We called the bank on or around XXXX the XXXX to see why the funds had not been credited to her account. At that time a representative indicated that I made a mistake and indicated the same had happened to them before and that I should just let the normal process take place and that the bank would recognize the error and that would activate a return of the funds. I waited several days and the funds were never returned. With the assistance of a member agent, on XX/XX/XXXX, I was instructed that the next step was to request to dispute the transfer. On XXXX, XXXX I received a denial and the dispute was closed. Today I talked to specialists, managers, etcI am being told there is nothing they can do. The information they are willing to provide is limited. I cant tell if the account holder where the {$7100.00} accidentally went to is denying the return or what. Essentially the account holder is keeping funds that do not belong to them. I do not know where to turn at this point. Here 's to hoping you can help me in some way.
Product: Credit card

On XX/XX/XXXX I discovered I was unable to view my US Bank Credit Card reward points. I called their customer service line and had been informed that the bank was closing my accounts with them and would be mailing me a letter as to why. I asked about the reward points I had earned and the representative stated I would not be receiving them. 

Today, XX/XX/XXXX, I received the correspondence ( attached in complaint ) of US Bank  and XXXX XXXX XXXX decision to close my 3 accounts with them citing " a thorough review '' was done and " have reason to believe your account is in danger of or is being used for fraud ''. This was the same statement and language used on all 3 accounts : XXXX XXXX ( Opened XX/XX/XXXX ) XXXX ( Opened XX/XX/XXXX ) I have been a long-time customer of XXXX XXXX XXXX XXXX XXXX XXXX ) and US Bank XXXX XXXX ). The bank has taken the approach to use very vague language citing no specific breach of terms, made zero attempt to reach out to me about any issue they suspected of the account, and has even since closure sent me marketing and solicitations of new credit cards and loan programs which are not consistent with the mailings they sent ( see attached ). 

I believe US Bank 's actions have potentially violated federal and state Unfair and Deceptive Acts and Practices ( hereafter referred to as UDAP ) laws because : - US Bank marketed its rewards program as a benefit but failed to properly disclose they could use vague language to arbitrarily close accounts to avoid paying out earned rewards - I was led to believe as long as I complied with the terms and conditions I would be able to keep and use these rewards- The closure of my accounts caused sustantial financial harm by eliminating my right to redeem my accrued reward points -This harm was not reasonably voidable since I was not given prior notice or an opportunity to redeem my points before closure -There was no legitimate justification for these closures other than to increase the bank 's profitability at my expense -US Bank potentially violate the implied covenant of good faith and fair dealing which required they act fairly to customers like myself.

-The CFPB has received numerous complaints that deal with various banks doing this same thing and terminating, revoking, or devaluing credit card reward points : XXXX XXXX XXXXXXXX I have attached my XXXX Statement showing my rewards balance of {$980.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address outdated and inaccurate accounts that are still being reported on my credit report by XXXX, Experian, and XXXX. Specifically, two accounts from the Department of EducationXXXX XXXX XXXX XXXX with balances of {$1700.00} and {$520.00} ) are still appearing on my report, even though they are beyond the seven-year reporting limit established under the Fair Credit Reporting Act ( FCRA ). 

I have previously disputed these accounts with the credit bureaus, but they have failed to remove them, despite their obligations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). According to FCRA Section 605 ( a ), negative information should not be reported beyond seven years, yet these accounts continue to appear, causing potential harm to my credit profile. 

Desired Resolution : I request that the CFPB ensure that XXXX, Experian, and XXXX remove these outdated accounts from my credit report immediately, as they are beyond the allowable reporting period under federal law. Additionally, I request written confirmation that these accounts have been deleted.
Product: Credit card or prepaid card

XXXX XXXX XXXX, in XXXX California, pulled a hard inquiry on my credit report without consent. I specifically requested them not to pull a hard inquiry, to which they responded that they would not. 

They asked for my social security #, and I provided it, after being told they would only use it for a soft inquiry, in order to come up with a preliminary loan payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a past due balance from a credit card company. The credit card company did not notify me of a past due balance. I have no other late payments with any other companies. The other 2 credit burrows have removed this issue from my credit. Experian is a terrible company and someone needs to do something about there in ethical lazy appreciate to dealing with issues.
Product: Debt collection

I received a voicemail from a private number XXXX/XXXX/16 at XXXX. 
She identified herself as XXXX XXXX and stated that she had some certified documents for me that were going to be delivered this Wednesday XXXX/XXXX/2016 between the hours of XXXX and XXXX to my residence. She left me a phone number of XXXX and gave me a claim number of XXXX and said I could contact them if I needed a change in time of delivery or had any questions. 
I called the number and gave the gentleman that answered the claim number he said that he would get the paperwork from the attorneys and he refused to release the name of his company but told me this was due to a Verve mastercard I had obtained from Continental Finance quite some time ago. He said that he did n't know how or why it would make it this far but I could pay him {$630.00} and it would be over, or else I would be delivered the papers on Wednesday. I said that I would take the papers and have been considering a bankruptcy case. He asked for the lawyer that I had seen and I told him, he then asked for the phone number and I went to get the number and he hung up on me. 
I then called the XXXX County District Courthouse and asked if any lawsuit had been filed against me, ( which would be why I was having certified documents delivered to myself ) and the nice lady there informed me that no, nothing has been filed against me. 
I believe that this is an illegal debt recovery practice and this scam company should be contacted and held accountable for its actions.
Product: Credit card or prepaid card

On XX/XX/XXXX, Capital one still charged interest {$5.00}, another dispute was submitted for other interest in previous months submitted in XXXX but no response yet why? it is simple adding all interest charged and credits given will show clearly still over charge of interest
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/year>