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

XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XX/XX/XXXX 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 XXXX XXXXXXXX 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 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 XXXX XXXX XXXX
Product: Debt collection

I HAVE NO CONTRACT WITH ANY OF THE CREDITORS I AM DISPUTING, NOR HAVE I EVER HAD A CONTRACT WITH ANY OF THE CREDITORS OR THIRD PARTY CREDITORS IN WHICH I AM DISPUTING ON MY CREDIT REPORT ; AND AM REQUESTING THAT EACH REPORTED ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FROM ALL THREE CREDIT BUREAUS INCLUDING : XXXX, XXXX  AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get a loan. Banker states there is a freeze on the credit report and he can not pull up. Three major credit agencies : XXXX, XXXX, Equifax. I never even froze it, I don't know who did.

1. XXXX -, no record of any freeze. We are ok with them.

2. XXXX - no record of any freeze. We are ok with them.

3. EQUIFAX - BIG TIME PROBLEM. Will not help and we gave them all info they asked for. 

Began XX/XX/XXXX. Beginning XXXX and throughout the rest of the day. Spoke with XXXX  XXXX, XXXX XXXX. XXXX XXXX. They wanted who our auto loan was with from XXXX, 13 years ago! This paid off XXXX. Why would I keep papers from 8 yrs ago when loan paid off. After 2 hrs searching found ins from XXXX that showed lienholder which I gave them. It didn't match up. I had actual name. I explained to them that frequently companies change names and this could have been the case with mine. But my payments were made to the lienholder I gave them. They would not accept! 

Then today, XX/XX/XXXX, I spoke with XXXX  XXXX who said the same thing then transferred me to XXXX the Resolution Specialist, All telling me the same thing. They they asked about another car loan. My husband had a 2009 van and I had a 1993 XXXX. This was so long ago. I asked them is there any other way to verify it is me cause my Banker is trying to order a credit report. 

THERE HAS TO BE ANOTHER WAY TO VERIFY!. Why are we being penalized because we paid off car loans and I gave them who the lienholder was at the time? They said we need to copy drivers license and social security numbers for both of us and it takes 5 days. I am almost XXXX. My husband is almost XXXX. We don't have a copy machine nor a fax. They said there us nothing they can do. In the meantime, my Lender can not order credit report. The other agencies, XXXX and XXXX were no problem, only Equifax. PLEASE HELP. My husband will also be filing a complaint.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal 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 in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with 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 Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/, I contacted the branch in regards to my IRS/Employment Retention Credit for covid-19 XXXX XXXX  owners, that I had received. To my surprise, I was informed by the bank staff, specifically XXXX ( Acct Risk Closures Department ), that my check needed verification from the IRS before the funds could be made available in my account. However, I had already contacted the IRS, who confirmed the validity and legitimacy of the check, they also confirmed that they do not offer check verification internally so I was given misleading information from your financial institution. IRS prompted that the check be verified through https : //tcvs.fiscal.treasury.gov The reason for this letter is to formally request an immediate resolution to two significant issues : the unjustified hold placed on my funds and the lack of transparency regarding the status of the check verification. According to the terms and conditions of my account agreement, the processing time for check deposits is clearly specified, and the bank is expected to abide by the agreed timeline. 

Not only has Bank of America exceeded the stipulated time duration for processing my deposit, but the lack of communication and appropriate feedback regarding the status of the check hold is highly distressing. In particular, XXXX displayed an unprofessional and discourteous demeanor during our conversation. He abruptly hung up the phone without offering any explanation for the extended hold duration or providing me with the necessary details about the check verification process. I was left on hold for hours to be treated poorly and unfairly.
Product: Credit reporting or other personal consumer reports

I mailed a dispute letter to Equifax in XX/XX/year> and I followed up with a dispute through the CFPB on XX/XX/year>. Well over 30-days from my second dispute, Equifax responded by stating it needed information to verify my identity. This makes no sense. I was able to pull my XXXX report with no problem. And after XXXX XXXX stated it could not find my file, they sent me a letter stating that they found it and were sending me my report. You had thirty days to respond to my dispute and did not do so. Now, you must delete the account. Asking for identity after thirty days has lapsed is not acceptable. You must delete the disputed accounts because you obviously did not investigate and verify they were accurate and complete.
Product: Debt collection

THIS MORNING AS I CHECKED MY CREDIT REPORT I NOTICED THIS ACCOUNT IM REPORTING TO BE DELETED AND BLOCKED IS STILL REFLECTING ON MY ACCOUNT AND AFFECTING MY CREDIBILITY FINANCIALLY.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I opened a New lease with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX for a 36 month lease. In XX/XX/XXXX I traded this car in for a new car. The new dealership paid the remaining balance I had for my monthly lease payments directly to XXXX. I received an end of lease liability statement from XXXX for mostly Excess Mileage and taxes. I went over in mileage an extreme amount. I started making payments immediately in XX/XX/XXXX. I have statements from XXXX for XX/XX/XXXX & XX/XX/XXXX showing I made payments. I was having a hard time financially make my New Car payment and making a monthly payment for the mileage. I called XXXX in XX/XX/XXXX asking what my options were, they brought up to me about making a Settlement for less than what was due and that would satisfy all my obligations. I agreed and made a payment for {$1000.00}. My account was closed, I requested a settlement letter. Later on in XXXX, I pulled a credit report and saw that it indicated under payment history I made 1 payment that was 30 + days late & 1 payment that was 60+ days late, and used the word Potentially Negative in Bold Red on the Credit Report. My lease agreement and obligations for the 36 month lease was paid in full. I contacted XXXX in XXXX & XXXX. I asked them to remove the " XXXX '' late payments from my Credit Report and any Negative terminology. The letters from XXXX indicate " XXXX '' late payments. My credit reports were not updated to reflect the accurate information. Anytime I apply for a loan, credit cards or Mortgage my payment history is being evaluated, and it impacts my credit score more than any other factor.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent an ACH transfer for XXXX $ from Bank of America to XXXX XXXX for closing costs of an escrow payment. XXXX XXXX says they do not accept ACH transfers, only wire transfers and state that the funds were rejected and returned. Bank on America was contacted on XX/XX/2020 and stated that funds would be returned in 3-5 business days, as long as they were rejected by XXXX XXXX. After waiting 3-5 business days, the funds were not returned and Bank of America opened a claim. XXXX XXXX was contacted and never returned our calls nor when Bank or America reached out to them. We contacted our escrow officer who states that XXXX XXXX has trace numbers showing the ACH transfer was rejected. Bank of America says they don't see any proof that the funds were rejected or returned. After 45 days, Bank of America says the claim is closed and they are no longer able to help us and that we should contact a lawyer. XXXX XXXX says " they verified with FIS back in late XXXX that the return was processed and sent to the FED on XX/XX/2020 which is when the trace number was issued and if Bank of America is claiming they have not received the credit, they will have to reach out to the FED and ask for assistance '' " Our central ops representative also replied on XX/XX/2020 to a fax sent by XXXX XXXX from BofA ACH recall/acceptions regarding this return and have not heard back from them. In my response we provided XXXX with the timeline of the transaction and the trace number. '' We called BofA claims department on XX/XX/2020 with this information and they state they have not received any information at all from XXXX XXXX and they do not know who XXXX XXXX is or where the information was sent.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to dispute the removal of my XXXXXXXX XXXX XXXX account ( Account Number : XXXX ) from my credit report. This is a valid account that should be accurately reflected in my consumer report, but it was removed on XX/XX/2024. 

Please take immediate action to reinstate this account and ensure it is properly reported. Let me know if further information is needed. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 SANTANDER Account Number : XXXX  Please remove it from my credit report.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 MIDLANDCRE Account Number : 31790 Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT MIDLANDCRE Account Number : XXXX  Please remove it from my credit report.

7here is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I reached out about a letter I received in reference to an old lease ( rent ) which I became XXXX XXXX & had to move to a different place. The debt owed was {$3900.00} @ The XXXX XXXX XXXX. I Was offeredWas offered a settlement of {$1100.00} & I accepted. Today I receved an email stating my debt was paid in full to a completely different place ( account I do NOT own, nor knew about ) & I called XXXX collect and spoke to a XXXX XXXX who refused XXXX listen to the ENTIRE XXXX MIN RECORDED XXXX & stated there was nothing I could do. I am a XXXX XXXX vet on a fixed income of {$1700.00} a month & to have me pay 75 % of my income to a wrong account is illegal and something needs to be done. This can not be legal, I was also threatened with my credit to buy a house, get a loan etc... Please help!!! I will be reaching out to my XXXX rep as well. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to get a fraud alert -- that had been placed on my credit file by   XXXX   4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 wee ks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my  XXXX  credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.   XXXX   XXXX   gave me the phone number to contact   XXXX   to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit report  ( not make any edits/remove fraud alert ). I called 3  other   XXXX   phone numbers -- all went to automated systems with no option to speak with an   XXXX    representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for  XXXX . I would like to get this  XXXX  fraud alert removed so that  XXXX   XXXX  can process my credit card application.
Product: Debt collection

Midwest Receivable Solutions, is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from Midwest Receivable Solutions, showing we had a contract as well as the agreement between Midwest Receivable Solutions and l. I also asked for a break down of the debt they say I owe them. They are stating that I owe them for XXXX XXXX XXXX XXXX in the amount of {$420.00}. I reached out to XXXX and asked do they sell debt they stated no ( I'm well aware of my XXXX laws ). I could sue XXXX XXXX XXXX XXXX XXXX for violating XXXX laws. XXXX XXXX XXXX XXXX XXXX has violated multiple XXXX  laws and I have my lawyer on hand to sue XXXX XXXX XXXX XXXX XXXX for the violations of my medical rights. Also their information has not been reviewed by a lawyer.
Product: Credit card or prepaid card

On XX/XX/2021, I made reservations for a motel through a booking company called XXXX  When I checked into XXXX XXXX in XXXX, Louisiana on XX/XX/XXXX, the motel charged my Capital One XXXX  card. However, when I later got my statement from Capital One, it showed : ( 1 ) XXXX had charged me its booking fee of {$19.00}, an unknown fee of {$5.00}, and {$79.00} for the room. ( 2 ) XXXX XXXX had charged me {$79.00} for the room. Thus, I had paid twice for the room. I called a Capital One representative, and explained what had happened and began a dispute for the overcharge. Apparently, nobody in Capital One read the complaint correctly, and when XXXX submitted that I had received the service, Capital One notified me that dispute was settled. The issue was not that I had received the service but that I had paid twice for the service. I closed my XXXX account with Capital One over its ineptitude. I would like for everyone to know that Capital One appears to favor the business over the customer whenever a complaint is filed.
Product: Checking or savings account

I was trying to close my account because of all the fraudulent charges, but they refused to give me balance printouts from my first few months of banking with Wells Fargo. I requested my account history multiple times from them, including online... this was around XX/XX/year>. I ended up closing my account by walking into the branch, in Arizona, but was required to bring my balance up to XXXX, first, which involved me adding {$220.00} to my account before being able to close it. That was after multiple fraudulent charges drained my account as it was dormant for a couple months.
Product: Credit reporting or other personal consumer reports

I have sent several registered letter asking for both XXXX and XXXX to validate the XXXX XXXX XXXX listed on my consumer report. Neither company has ever answered any of my letters over the past 18 months. They have only sent me letters stating they felt the inquiry did not come from me or an authorized 3rd party, even though I sent the letters with a copy of my Drivers License and a recent utility bill. The same inquiry was sent to Equifax and they could not validate any of the information listed. They removed the non-validated XXXX immediately, in accordance with CFPB law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX, however Equifax has not removed this from my credit report. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed documents to Experian documents including a police report stating someone used my identity. On XX/XX/2021 I attempted to upload my ID and Police report to experian.com/upload. 
the upload process is close to impossible. I made many attempts to first upload the 2 page police report. after 10 attempts to upload the police report and ID I was still unsuccessful. I then split the PDF document into 2 pages and attempted to upload the police report. This time it was successful. Why doesn't Experian inform people that they must upload each document seperately? I then attempted to up load my ID in black and white as Experian requested and i have still been unsuccessful. 
On XX/XX/2021 I called Experian to confirm that the at least received the police report and they said there was no files they received. I explained to Experian that I have screen shots stating that my upload was SUCCESSFUL. I was told they would call me back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, XXXX, BIRCHWOOD CREDIT add a hard inquiries on my credit reports per XXXX XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX  XXXX  add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX  add a hard inquiries on my credit reports per XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : Bank of America reported account closed XX/XX/2021 : Bank of America reported account closed - again - duplicate information no debt of any kind, account in perfect standing ( see attachment )
Product: Mortgage

15 % increase in monthly payment with no notice. 

I called Customer Service on XX/XX/23 regarding an increase of over {$120.00} for my monthly mortgage payment and it was told that it was due to tax increase of around {$200.00} and insurance increase of $ XXXX annually. Which is an increase of roughly {$500.00}, yet over {$1500.00} is being collected via my monthly payment to address this increase. 
Explained to the XXXX, I understood that I would be responsible for the increase and even understood a need for a cushion for the escrow, however, a 3 times the amount required is excessive. 
The XXXX explained that the department in charge of analyzing the escrow determines the amount of increase. A 15 % increase in monthly payment wrestling in a three-fold cushion for fee 's is at a minimum predatory, skirting on unethical. 
I challenge the tool utilized to determine the metric of a 15 % increase, requiring an excess recouping to escrow the tax/insurance three-fold. 
A three-fold escrow " cushion '' is excessive, on the surface arbitrary, and appears in favor of the financial institution, facilitating an excess of capital available for their organizations benefit from I am sure a large number of accounts utilizing these unsavory practices. 
This 15 % increase was initiated without notice or opportunity to appeal the increase. 
In summation, this practice is fraught with arbitrary application of fees well in excess of the required product ( tax/insurance ) which benefit the lender
Product: Debt collection

I opened a secure credit card to build credit. I also had a bank account with Bank of America. While in XXXX my bank card malfunctioned and i was forced to only use my secured credit card. a unauthorized charge was made on my account. I provided proof and was refunded then they put the charge back on my card. This caused my card to be charged off. i request that the error report be removed from all my credit reports immediately.