23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This complaint is against First Horizon Bank. The branch is located at XXXX XXXX XXXX XXXX, GA XXXX. The branch XXXX is XXXX XXXX. 

My husband and I opened our business account years ago with Iberia Bank which XXXX XXXX has recently acquired. Our accounts have always been in great standing. 

On XX/XX/XXXX, I made a purchase at XXXX 's for {$140.00} and received a {$35.00} NSF for the overdraft. My XXXX XXXX debit card was linked to my XXXX 's account. I made the purchase out of the wrong account. I didn't realize it until about a week later and I also saw that our account was placed on hold. XXXX XXXX the branch manager also called me regarding the overdraft. I transferred the money immediately ( same day ) to cover the overdraft. During our conversation, she advised that we should close our account. She states, " We are hard to get in touch with, we should close our account, we barely use the account and it doesn't make sense to keep '' however every time she contacts me, I call her back. I have her number programmed into my phone. We have made mistakes and have corrected our overdrafts immediately.

I explained that we live very far from the nearest branch and have planned to close our account. Since we've had the account for so long we want to ensure all the vendors we conduct business with have been changed over to our other bank. I have advised XXXX XXXX that we are not ready to close our account. Over the last 90 days, we have received over {$15000.00} in deposits into the account. I have attached our bank statements for review. This is an active acct. 

Yesterday, XX/XX/XXXX, XXXX XXXX placed our account on hold again for the second time. The Our account is not overdrawn this is a tactic she is using to force us to close our account. I have complained to the Customer service center and have advised XXXX to give us additional time. A complaint has been filed with Consumer Financial Protection Bureau as well. As a consumer, I have a right to be treated fair. I also would like to add we have NOT had any suspicious or fraudulent activity on our account.
Product: Credit reporting or other personal consumer reports

I've called DNF Associates several times at XXXX and XXXX as late as last week with no response from the automated system. I was re-routed to XXXX XXXX XXXX and they stated I owe them nothing. All the records have been checked and I do not owe DNF. I did not sign a contract with DNF Associates so they should not be posting to my credit report.
Product: Credit card

Date Of Transaction : XX/XX/year> Date of Dispute : XX/XX/year> Amount : {$100.00} For a year I've fought Chase regarding a transaction with merchant Dream Aesthetics Meds, where I was required by the merchant to pay a {$100.00} Appointment Deposit. The nature of the deposit was to ensure that the date of appointment is kept and if for any reason the appointment is missed the client forfeits their " deposit ''. On the day of schedule I attended the " free consultation '' appointment as scheduled ; however, did not want to move forward with any services that they provided at that time. When I asked the merchant when will my appointment deposit be refunded. The merchant then recanted the nature of what the deposit was intended for in order to retain my funds by stating that it was for the consultation itself, which was advertised as free. When I submitted the dispute I stated the exact reason stated above, which was that it was strictly to hold my appointment time and if I was a no show the funds would be forfeited. The merchant in return answered the dispute with a rebuttal that supported my exact claim invertedly, and Chase still stated that they would not return my funds because the merchant claim was so call valid. I contacted Chase Bank and asked how they could refuse the return of my funds when the merchant in writing with my initials sent a rebuttal with the nature of the funds being exactly as I stated in my claim. I also contacted XXXX as well. Chase advised me to seek a lawyer when in fact they clearly was negligent in the handling and interpretation of my claim!
Product: Vehicle loan or lease

I am writing to formally file a complaint against Westlake Financial concerning the continued reporting of a collection account on my credit profile, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ).

I initially took out a loan with Westlake Financial. Unfortunately, I experienced financial difficulties, leading to a missed payment, which was the first missed payment on the account. According to my records, this missed payment occurred over seven years ago. 

Under the FCRA, negative information, such as a collection account, is only allowed to remain on a credit report for seven years from the date of the first missed payment that led to the delinquency. Despite this, Westlake Financial continues to report this account to the credit bureaus, negatively impacting my credit score and financial standing. I have made several attempts to resolve this issue directly with Westlake Financial, but they have failed to take the necessary action to remove this outdated and inaccurate information from my credit profile.
I am requesting that the CFPB intervene in this matter and compel Westlake Financial to remove the collection account from my credit report as it is no longer legally permissible for this information to be reported.

Please find attached copies of relevant documentation, including my credit report showing the continued reporting of this account and any correspondence with Westlake Financial.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Debt collection

Midland credit credit management had someone drop off a packet that I'm being sued. Today I received a call from them. I feel harassed by Midland management. If they're suing me why are they still calling me? Bothering me while I'm at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loans reached a paid in full status on XX/XX/2020. Since then, I have tirelessly made an attempt to get my student loan status updated. 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 still has 3 inaccurate reports on my credit report. They are still reporting delinquencies which should no longer be impacting my score. They are still reporting this on accounts that have been completely paid in full. I have tried to negotiate with them and they still left these remaining accounts. All claims were also send to all 3 credit bureaus to report these discrepancies.

Under The Department of Education, I have 5 accounts still reporting delinquencies after the accounts have been paid in full. 

I have submitted these claims to TransUnion, XXXX and XXXX multiple times. These 8 accounts are still reporting and negatively impacting my score on accounts that should have been updated along with the other student loan accounts previously paid.
Product: Checking or savings account

BB & T has a rigged system where they delay the deposit or withdrawal for transactions that you make for their benefit in order to charge each transaction an overdraft fee. Countless times I have made my usual monthly payments and I started noticing five or more buissness days going by without my bill payments being posted to my account and then a week later the payment post turning my account negative. With each transaction they charge {$36.00}. One time I went in the bank to show the teller this problem and the teller says to me, " open a BB & T credit card and we can transfer the overdraft fees to your credit card. '' That is another strategic attempt to profit off of their rigged system. This is called, unfair business practices. This is evidenced by them delaying payments that you make to other parties and one week later when you spend one dollar over what is being deducted, they strike. Then the ATM 's are not equipped with cash deposits so you can not add money to your account without the bank being open.
Product: Credit reporting or other personal consumer reports

Lexis Nexis XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Subject : Opt-Out Request Under Privacy Act of 1974, Fair Debt Collection Practices Act, and Fair Credit Reporting Act To Whomever It May Concern - Dear Sir/Madam, I am writing to demand that my personal information be removed from your databases and that I be opted out of any and all future data sharing and reporting activities as permitted under the Privacy Act of 1974, the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ). 

Under the Privacy Act of 1974, I have the right to request the removal of my personal information from databases and to prevent its disclosure to third parties without my explicit consent. Furthermore, the FDCPA and the FCRA afford me specific rights regarding the collection, use, and dissemination of my credit information. These rights include, but are not limited to, the ability to opt out of any and all reporting and data-sharing activities. 
Therefore, I am requesting the following actions be taken immediately : 1. Remove all my personal information from your databases.

2. Cease any future collection, use, or dissemination of my personal information.

3. Provide written confirmation that these actions have been completed.

Please treat this letter as a formal request under the Privacy Act of 1974, the FDCPA, and the FCRA. I expect to receive a response within 30 days from the date of this letter as stipulated by federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX The Aggrieved Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER FINANCIAL SVC, my XXXX report states that I have hard inquiry from you guys. I did not apply for an DISCOVER FINANCIAL SVC product in the last 2 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries deleted please. 
Again, - XXXX wanted me to contact DISCOVER FINANCIAL SVC - Get DISCOVER FINANCIAL SVC to mail me a letter address XXXX to have those DISCOVER FINANCIAL SVC hard inquiries deleted, as they were not mine. 
- If possible, please expedite the mail. 
Thank you Dates from DISCOVER FINANCIAL SVC on credit report XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

Transunion has removed two collection accounts from XXXX XXXX and then reinserted them. This is in violation of FCRA and metro 2 requisite guidelines. This is clearly an example of how TransUnion does not comply with FCRA LAWS AND performs sham investigations of consumer disputes. I have no signed agreement or contract with XXXX XXXX  at all.
Product: Credit reporting or other personal consumer reports

I want XXXX XXXX, XXXX XXXX XXXX and Innovis to add and report the following personal information on my XXXX XXXX, XXXX XXXX XXXX and Innovis XXXX file and consumer report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota XXXX ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Cell Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Employer Start Date : XX/XX/XXXX, Employer End Date : Present, Annual Income : {$85000.00} to {$150000.00}
Product: Credit reporting or other personal consumer reports

I'm requesting proof of the previous investigation. What method of investigation along with all records of who you spoke with, their business address, name and phone numbers as well as documentation that proves this account was late. if you can not provide me with this information in 15 days update the account to paid/never late and send me a copy of my updated credit report These are clear violations of my consumer rights under 15 US Code 1681a 15 US Code 1681a1 and also 15 US Code 1666b.
Product: Credit reporting

Proof is enclosed in the two attachments with this complaint that Experian does not verify information with the creditor and even have any information on file. XXXX has sent yet two more letters requesting information from me and my credit report because they do not have any information on me. Experian has sent back a response previously that they verified the information. It is a Federal Law that the information they put on my credit report is to be verified and not pulled from XXXX 
Experian is in violation of Federal Law and also case law. They are supposed to verify information and if they can not they are to delete the information. I am not going to help XXXX collect data because they have a legal responsibility to report accurate information. They do not have any information on me because the two credit cards that I had with them was over 7 years ago. I want this information and other negative information removed from my file because Experian has NOT been able to verify the information. If this is not done my next recourse is to take Experian to court and maybe I can win a few million dollars as other consumer 's have that were awarded compensation by the courts for Experian 's blatant refusal to remove outdated information and say it was verified. Also, if you share this complaint with others I would like to gather enough consumer 's together for a class-action lawsuit. I am disgusted and fed up with the games and the illegal activities regarding credit reporting!!!!!!!!!!!!! PLEASE SEND THIS COMPLAINT TO THE FTC BECAUSE SOMETHING NEEDS TO BE DONE!!!!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$190.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

i check my report and notice a large debt from credit collection services , inc on XX/XX/2020 and send them a dispute letter asking them to verify this alleged debt and more information that i have submitted below. this item is not correct and i dont owe credit collection service anything
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have had issues with Dovenmuehle Mortgage ever since they started servicing my mortgage over XXXX years ago. Previously they have taken money out of my escrow and have not given me a proper accounting for the money in my escrow account. I previously requested a statement of the escrow payments that include all payments that were made from my escrow account. This was over XXXX years ago and I still have not received a response from that. Recently, I had a hardship due to XXXX and had to file bankruptcy and fell behind on my mortgage payments. However, I received help from the Maryland Homeowners Assistance Fund, and I was approved for {$59000.00} which covered most of the money that was owed for my mortgage at the time. The funds was dispersed to Dovenmuehle Mortgage on XX/XX/2023 however, I have been calling for the past month and a half and they were not able to locate the funds. I spoke with someone yesterday and stated they finally located the funds however, I still owed for XXXX months of mortgage and the payment that was applied to my account however, it was still in the closing process. I asked why have I not been contacted to let me know that I am XXXX months behind and why was I not told that every time I called and I was told that they have a lot of loans to process. I requested a reinstatement amount and a statement informing me of what my ongoing payments would be however I have not received a response yet. Every time I speak with someone on the phone they give me another number to call or transfer me to another department and it seems like everyone is clueless to what is going on with my mortgage. I do not want to fall Behind on my mortgage payments again where its too hard for me to catch up. I would like a full accounting of where all the money from the assistance I received from the state went. As of XX/XX/2023, after receiving the assistance on my behalf of {$59000.00} the total amount of periodic payments past due was {$61000.00} in periodic payments, which include principal, interest, taxes and insurance. Dovenmuehle Mortgage is charging {$13000.00} in total fees charged. I would like a full account of all the fees which they are charging {$13000.00}. I still have not received a statement of the total amount owed or what my ongoing payments are. It is hard to get someone on the phone that can give me a clear answer about when I will be receiving a written statement of the breakdown of all the payments and fees that was applied to my loan from the payment from the State and A breakdown of my monthly payment including principal, interest, taxes and insurance. Everyone that I speak to on the phone is very rude and have no knowledge of anything that I ask concerning my morgage and give me the runaround and transfer me to different departments and no one in any department knows how to assist me. I also have witnesses of my telephone conversations with Dovenmuehle Mortgage and their ignorance concerning my mortgage. So, I am filing this complaint to try and resolve the issues I have with Dovenmuehle Mortgage.
Product: Debt collection

Dates from which the debs run are dates the third party collection agency purchased the debts and NOT the dates the debts became delinquent. when I contacted them they would only say " no comment ''. These erroneous dates are nearly TWO years after the original delinquencies occurred. The original creditors refused to negotiate terms for payment with me. 

The collections agency is XXXX XXXX XXXX on XXXX debts, XXXX from " XXXX ''. and XXXX from " Citibank '' on both XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and these items should be removed from my credit report because I did not do these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get copies of my detailed credit report and score from Experian, XXXX, and XXXX since last year, but neither one of them was willing to send an actual report out to me. I even completed the standard free credit report request form for all three bureaus even though I was entitled to additional copies of my report since I'm in the middle of a credit crisis, but none of them sent me a report. This is unacceptable. I need a current copy of my detailed credit report and credit score from all three bureaus immediately.
Product: Credit reporting or other personal consumer reports

This auto loan was charged off in XXXX and written off as a profit loss which I should have received the 1099C which eradicates the debt however they refuse to send me a 1099 form even though they have this as a written off account since XXXX this account was reporting to the credit bureaus since XXXX as a closed charged off account on XX/XX/XXXX XXXX XXXX told me that Capital One removed the remark from closed and moved it to an open account which is not legal, this account is scheduled to fall off of my credit on XX/XX/XXXX. This account has been closed for eight years. This account is reporting as a closed account to all other credit bureaus however, XXXX XXXX is reporting it as an open account with 77 missed payments impacting my credit score severely. Attached are pphotos of my credit report showing the inaccurate reporting of the same account/creditor. XXXX has this under a closed account and XXXX says its open and its suppose to be charged-off since XXXX. Please remove this account from my credit file
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : UNKNOWN # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX XXXX XXXX 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! 


Update the late payments from my consumer reports