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

On XX/XX/XXXX I checked XXXX XXXX information for my FICO credit score and they reported the following : XX/XX/XXXX FICO SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX FICO SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX On XX/XX/XXXX I made several telephone calls to Equifax after learning that Equifax was the custodian/owner of FICO and spoke with their representatives XXXX and later, I spoke with Adreana who transferred me to their FICO Department. I got an outgoing message ( with no options ) that referred me to telephone # XXXX. I called this number and was put into a telephone loop with an outgoing message and no options. 

With no options to speak with anyone and no automated options I telephoned the FTC in XXXX, IL and got an outgoing message that phone here ( XXXX ) is no longer in service. I checked ( on line ) and the only phone number listed for the FTC is in Washington, D.C. at XXXX which I called and only got an outgoing message. 

I then called CFPB at XXXX where I spoke with ( XXXX ) XXXX who advised me to file this complaint. 

I owe no one, have never been a day late on any financial obligations for over 50 years and have a personal net worth in the high six figure range. My FICO score appears to just be a number picked out of the air and is not based upon any valid credit information. I owe nothing to anyone!! 

The FICO score assigned to me is not accurate and no one appears accountable for this unfair information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an FTC identity theft report. The report was signed and notarized and sent certified mail with green receipt. I will upload copies. Like I stated before in my cfpb complaint, I have been disputing the same accounts since XXXX and I started again in XXXX of XXXX. I asked for validation of debt and was sent a paper saying it was verified. Then when I sent the FTC report on XX/XX/XXXX they still failed to remove the addresses, names, and the accounts that are not mine. I did not ask them to remove it is a demand. Pursuant to FEDERAL LAW 15 U.S. Code 1681C-2 ( A ) the CRA 's have 4 business days after receiving the FTC report to delete and block the reporting information. They did not do what Federal Law said. They sent a response to me through the FTC saying that I need a Police report. On the signature page of the FTC report it states that if you do not CHOOSE to file a report with law enforcement, you can use this form as an identity theft affidavit. At this point, there has been over XXXX different violations of my consumer rights. 15 U.S Code 1681 ( a ) ( 4 ) violations is infringed upon consumer 's right to privacy. 15 U.S Code 1681i ( A ) 91.A ) when any account is in dispute on your credit report for any reason by federal law, the account is to be removed from your consumer report while a full and complete investigation is done. The CRA did not validate the debt because the original creditor is the only person that can validate the debt. Pursuant to federal law I am the Original Creditor. Violation of 15 U.S. Code 1692e. I demand that they report the correct and complete information on my report. Im uploading a new FTC report also.
Product: Student loan

On XX/XX/XXXX we went Citizens Bank XXXX XXXX XXXX XXXX MA XXXX with my daughter to collect information about student loan. The Bank associates name was XXXX who helped us that day. we asked about information on how to apply student loan and give us more information about loan, we made it very clear and said we were looking at other banks so we didnt want to apply today. XXXX took me and my daughter info and told us he would run soft inquiries to see if were qualified. We mentioned to XXXX, your citizens associate, again that we dont want hard inquiries because we are only collecting information. XXXX said no its not a hard inquiry, its a soft one. We left the bank and we had email alert that show citizens did hard inquiries on both of our credits. We never reviewed application and never gave citizens Bank consent to finalize behalf of us we contact citizens and no one has reached out to us. He also he put my daughters name incorrectly on the student loan application and applied behalf of us, very unprofessional and very illegal. 

Can someone reach out to us and let us know is there any regulations and procedures citizens is following with best of my knowledge no one can use my so-called with my consent.
Product: Checking or savings account

COMPLAINTANT has opened a bank account with " Suntrust '' on XXXX. Login and mobile access were operational until around XXXX when authentication tokens were generated as well as emails to remind linking external accounts were being sent. 
On XXXX at XXXX XXXX PST, Suntrust claimed that mobile access was suspended due to an " investigation '' that was started on XXXX. When COMPLAINTANT reminded Suntrust employee that access was working until XXXX and later on, the employee walked back on that statement and claimed XXXX was when investigation was started as well as stating that XXXX was actually the date when the accounts were created. Representative was not clear on ( 1 ) how or why this " investigation '' was started nor ( 2 ) how suspicious reasons were randomly  detected, after calls for a different matter on XXXX around XXXX XXXX PST addressed no such concerns. 
It seems that this " investigation '' was started not because COMPLAINTANT has triggered the system 's fraud alert on certain criteria on its own, but by some manual review or interventions by the employees. 
COMPLAINTANT noted that no email, text or mail notice were sent by Suntrust to notify the COMPLAINTANT of sudden suspension of online access for 9 days. But rather Suntrust was waiting for COMPLAINTANT to reach out to Suntrust after being unable to access the online account for 9 days. It is baffling as to whether there is a rigid set of procedures where Suntrust detects anomaly and sends notices. ( Or whether it would have ever notified COMPLAINTANT of this " investigation '' and " suspension '' until COMPLAINTANT reached out to regain access to mobile banking ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim in the Equifax data breach on XXXX XXXX XXXX. As far as I know, my Identity has not yet been stolen, and I placed a 90 day fraud alert on my file. I believe my personal data was managed poorly by Equifax, and that they should be held accountable for any damages that may befall me due to their negligence.
Product: Credit reporting or other personal consumer reports

ACTUALLY AFTER READING THE FULL LETTER THAT CAPITAL ONE PROVIDED I AM NOT HAPPY WITH THE RESULTS. AFTER READING THROUHGHOUGLY. IT SAYS THEY ARE NOT GOING TO TAKE OFF THE NEGATIVE INFORMATION ON MY CREDIT. NOW XXXX. XXXX GOING TO TELL YOU LIKE THIS. XXXX NOT PAYING ON THESE CARDS NO MORE AND XXXX CANCELLING ALL FUTURE PAYMENTS AND AUTO DEBIT. I HAVE TOLD YOU ALL MORE THAN ONCE THAT XXXX XXXX AND XXXX AND YOU ALL HAVE NOT OFFERED ME ANY KIND OF ASSISTANCE BUT INSTEAD HAVE MY CREDIT KEEP DECLINING BECAUSE I CANT PAY ON THEM. ALSO AFTER THAT LAST INCIDENT THAT I WROTE ON HERE ABOUT. XXXX STILL NOT HAPPY WITH OUTCOME. SO SOMEONE AGAIN FROM THE XXXX OFFICE PLEASE CALL ME BECUASE XXXX XXXX XXXX AROUND WITH YOU ALL YOU ALL KEEP DROPPING MY CREDIT BECAUSE I CANT PAY AND HAVE MENTIONED THAT MORE THAN ONCE TO YOU ALL, THEN IN TURN STILL FILED COMPLAINTS ON YOU ALL.. NOW WHAT XXXX ASKING AS THAT YOU ALL REMOVED MY CREDIT CARDS FROM MY CREDIT REPORT BECAUSE YOU ALL ARE INACCURATELY REPOTING INFORMATION AND NOT HELPING ANY OF YOUR CUSTOMERS WHO MENTION THEY ARE HAVING FINANCIALY HARDSHIPS. GO PULL ALL MY CALLS AND EMAILS. I CAN NOT PAY YOU ALL. XXXX A XXXX AND NOT WORKING.. WHAT ALL DONT YOU GET. THINGS HAPPEN. AGAIN. AS OF THIS VERY MOMENT. XXXX CANCELLING ALL FUTURE PAYS ON BOTH CARDS ENDING IN XXXX AND THE XXXX CARD BECAUSE IT MEANS NOTHING IF I PAY A LITTLE A TIME. YOU ALL STILL RUIN MY CREDIT. DROPPING IT XXXX POINTS MONTHLY AND IVE REACHED OUT ... .JUST DELETE THESE PLEASE FROM MY CREDIT AS I HAVE READ THE LAST LETTER AND I DONT AGREE WITH IT. SO NO, REMOVE THEM FROM MY CREDIT NOW BOTH CARDS BECAUSE YOU ALL INACCURTELY REPORTED INFRMATION ON MY REPORTS FROM ALL BUREAUS AND IVE CALLED INTO YOU XXXX AND TOLD YOU MY SITURAITON. SO NOW XXXX NO LONGER GOING TO PAY ILL BE WAITING ON A CALL AND ILL DIPSUTE EVERYTHING THAT COMES MY WAY WITH THIS CAPITAL ONE XXXX.
Product: Credit reporting

I am complaining about experian credit reporting agency. I have been disputing incorrect information on my credit report with them. Now today I tried to re-dispute the same incorrect information and the system would not allow me to do so. A message came up after I put the items in the cart telling me I have already disputed this information and they will not re-dispute nor re-investigate the incorrect informaiton. I tried to add a personal statement to each one and I was not allowed to do that either. I have complained to the XXXX as well as experian will not allow me to re-dispute incorrect information. To be very specific and not to delay in processing my complaint. The following errors are reporting on my experian credit report : XXXX XXXX : was never paid late. I contacted XXXX at XXXX XXXX and left several messages and never received a return phone call in regards to this matter. XXXX ext : XXXX ... ..XXXX is reporting XXXX seperate loans. This is wrong I only had XXXX loan with them not XXXX ... ..XXXX credit card : never paid late ... .XXXX/ account paid in full before they sent this over to collection. It should have never been sent over to collection in the first place as I paid this account in full. XXXX keeps telling me I was to pay the XXXX and not XXXX directly. Regardless they received the money from me because it was the same account number.
Product: Credit reporting or other personal consumer reports

My account with MB FIN SVCS was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

MB FIN SVCS Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Freedom Mortgage XXXX to XXXX XX/XX/XXXX XXXX. They paid XX/XX/XXXX real estate tax in XX/XX/XXXX. 
XXXX. The XX/XX/XXXX real estate tax is outstanding in the amount of XXXX XXXX. In the next XXXX months there are the XX/XX/XXXX tax due, the XX/XX/XXXX tax due and the XXXX insurance payment of about XXXX due. 
XXXX. My current escrow balance is LESS than XXXX dollars. 
XXXX. This problem is shared by all the Freedom Mortgage holders in the town of XXXX XXXX. 
XXXX. My attempts to correct so far was a response from Freedom that they contacted the town office and problem corrected. That is not true, as there is no contact to the town office from Freedom. 
XXXX. The thread seems to be this is happening to mortgage holders that have really low interest rates. Mine is fixed at 2.25 %. 

I investigated escrow acct back to XXXX. I found that the XXXX XXXX and XXXX real estate tax payments were paid on time. The XXXX XXXX payment was made on time XXXX was not. This XXXX payment was finally made in XXXX XXXX. This 6 month late payment triggered a tax lien letter from the town of XXXX Maine.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 an application was submitted to Discover for a credit card that was not done or authorized by me. My credit report was pulled and a hard inquiry was done, resulting in my credit score going down. The account was denied and not opened, but someone has my information. I have reached out to Discover, and they are going to change it to a soft inquiry, so it will come off my report in 90 days. I have also notified XXXX of the fraudulent inquiry and they are putting a security notice on my report for the next year, which will also go to XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request an immediate investigation into several accounts listed on my credit report, which I believe are the result of fraudulent activity. I request that the following information be promptly removed from my credit report as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

XXXX Accounts : XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX  XXXX Account Number : XXXX Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX Fraudulent Names : 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 I declare that I did not authorize or engage in any transactions associated with the aforementioned accounts, addresses, or names. The inclusion of these items on my credit report is damaging my creditworthiness and has caused significant distress.

I request that you investigate these fraudulent entries promptly and take the necessary actions to remove them from my credit report in accordance with the FCRA. I also request that you provide me with a copy of my updated credit report after the completion of the investigation.

Furthermore, I would like to draw your attention to the following consumer protection laws, which support my dispute : 1. Fair Credit Reporting Act ( FCRA ) : This federal law stipulates that inaccurate or fraudulent information must be promptly corrected or removed from a consumer 's credit report.

2. Fair Debt Collection Practices Act ( FDCPA ) : Any attempts by collectors to collect on these fraudulent debts violate the FDCPA, and I expect them to cease all collection activities immediately.

3. Identity Theft and Assumption Deterrence Act : This law criminalizes identity theft and requires creditors to investigate and resolve identity theft-related disputes.

I appreciate your prompt attention to this matter and expect a thorough investigation. Please provide written confirmation of the actions taken and the resolution of this dispute.
Product: Checking or savings account

Lost my debit card and it was used for several small purchases from vending machines where I live none of which exceeded {$2.00}. I phoned them and they refused to reverse the charge saying they had reversed an overdraft charge before. I am old and living on Social Security and can not afford this XXXX XXXX XXXX
Product: Debt collection

As per my conversation w/a representative from Midland Credit Management XXXX XXXX XXXX XXXX on XX/XX/XXXX, it was asked if I ever lived at XXXX XXXX XXXX XXXX XXXXXXXX, FL. XXXX. I explain to XXXX XXXX that I have never lived at this address. Also mentioned that my information was stolen, and I have been victim of fraudulent actions due to this matter. I separated from my ex-husband back on XXXX and around that time I also was able to find out that someone used my information to open several accounts and used an XXXX account, and went ahead and purchased an entire alarm system for their house, the only thing I remember was that their house was near XXXX XXXX area ( which again I have never lived in that area ). Unfortunately, due to everything going on that became an untouched matter. Back around XXXX I was reached out by the fraud department of elections as once again my information was tempered with. Obviously, XXXX XXXX XXXX is a very common name and is unfortunately because it seems that this matter might continue to happen. The above address I have never lived there and the address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL. XXXX was a house not an apartment. After that I moved to XXXX, then back to XXXX XXXX, and last to XXXX once again. Is obvious that based on the initial information I was able to collect this debt is not mine and is unfair that I must pay for someone else responsibility.
Product: Student loan

Navient is unlawfully pursuing my client, XXXX XXXX XXXX XXXX, after being notified as far back as XX/XX/XXXX, that his alleged signature on the promissory note is a forgery. By letter dated XX/XX/XXXX, Navient sent XXXX XXXX a letter stating the account is now under review for litigation. Total amount owed is {$8500.00}. Forgery is believed to have been committed by XXXX XXXX 's ex-wife, XXXX, who took out student loans.
Product: Checking or savings account

I attempted to make a cash deposit if {$1600.00} at Fifth Third branch ATM XXXX at XXXX XXXX  XXXX XXXX OH XXXX at XXXX XXXX  local time. The cash is vital to my cash flow and fulfilling my obligations. 

The ATM device accepted my stack of currency but apparently failed to tally the bills. For reference, there was XXXX {$5.00}, XXXX {$50.00}, and XXXX {$100.00} in my deposit. Subsequent to the failure to count the cash in my deposit, the ATM device then failed to return the " uncountable '' deposit. NO bills were returned to me by the ATM device. The ATM reported the failures on screen and requested that I enter the amount I had attempted to deposit, hence the amount shown on the ATM receipt - the image of which I'm attaching along with my complaint. 

I inquired of the branch staff on duty inside the location. Teller XXXX took keys outside to the drive-up ATM, entered the enclosing structure and returned to the counter and only offered to provide me with the phone number to register a " Dispute '' regarding the failed deposit.

The representative on the line registered my dispute and informed me that the matter could take up to four business days to resolve. My explanation of the importance of the deposit to my cash-flow was received with no alternate solutions or course of action to be pursued - only the obligatory and useless " I'm sorry '' response. 

Dissatisfied with the potential four day wait for resolution caused by the bank 's device, I re-entered the branch and spoke with XXXX, a bank representative of some sort, in his office. XXXX informed me that there was nothing to do but wait and that it could actually take up to FIVE business days. No regard for my situation, no other options were offered, no clue as to when the ATM would be audited - just the same " I'm sorry '' response, but with a hint of condescension.

I phoned Fifth Third customer service to lodge a formal complaint and in the course of providing the XXXX the sequence of events my plea to expedite were rejected. I expressed my complete dissatisfaction and was offered only the pat " I'm sorry '' response. 

My fiscal situation is dire without the cash I deposited and I made this clear, I believe, to every Fifth Third employee/contractor I spoke with. With my failed deposit in a device 10 feet outside of the branch, which the branch staff clearly has access to, I find it very, VERY difficult to tolerate the notion that my CASH deposit is going to be unavailable to me for a week due to the technical failure of that bank 's device. A person will ultimately be the one to establish what the ATM held from my failed deposit - the bank essentially has told me that it will be taken care of when they get around to it, that my situation is unimportant, and tasking someone to sort the matter out at a time earlier than is convenient to the bank was not going to happen, regardless how I'm being affected
Product: Credit reporting or other personal consumer reports

Im in complete shock because I saw inaccurate accounts on my credit report this morning, and I cant understand how this happened. I check my credit report regularly, and everything was normal before, but now, these mistakes appeared out of nowhere. I thought maybe it was a glitch, so I refreshed my browser, but nothing changed. The errors stayed there, and its left me feeling completely helpless. Please go through the documents Ive submitted with great care so this problem can be resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXX XXXX
Product: Student loan

hello, my name is XXXX and my reference number is XXXX i join the college on XX/XX/2016 when i add a class i had did all the paper work for FAFSA . because every time i add a class i did a FAFSA. i had summit all the paper work that FAFSA needed and they said everything has been done that i do n't have to worried that i can start classes because FAFSA had paid everything. i called the college and talk about the issue and they are not helping me at all. so college is making me to pay it twice. i do n't work and i can not make a this payment. we go college for batter education not to pay the amount twice.