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

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurate in terms of reporting, including the reported amount and dates.
Product: Bank account or service

Re : Case number : XXXX. This complaint was submitted on XXXX/XXXX/16 and no one has contacted me about getting an additional debit card. I need an additional debit card. The fact that it has been 2 weeks and no one has even bothered to contact me or send me my card. This just proves that Bank of America treats its senior XXXX veterans very shabby.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report due to identity theft and a recent data breach, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

ON XXXX XXXXXX/XX/2022 I received a text fro TDBank with my first name welcoming me to the account giving me a reference number and telling me it would be a snap to finish setting up the account. 
searched online and found the XXXX number to TD Bank and called them to see if an account was opened in my name and the representative verified an account was opened in my name with my address. She told me to call TD Bank Fraud.

I called TD Fraud and was told that the investigators would send me information. I requested that the account be closed because I DIDNOT open the account. I was told they could not give me information but that someone would be in touch with me. I asked for a confirmation number of something to verify it was closed and was told I couldn't have any information, but that his name was XXXX and that the call was started at XXXX on XX/XX/2022. I was also told that a letter would be sent to me. I was not told when the account was opened nor what type of account nor if the type of activity on the account. TD Bank was very unhelpful but they allowed someone to open up a fraudulent account.
Product: Student loan

I owe approximately {$27000.00} for student loan. I can not pay it. Its been ten years. I was able to pay for a while, but my husband had a XXXX XXXX and XXXX XXXX We had XXXX sons in college. I worked XXXX jobs. Still I could not make ends meet. Since then I have paid some but I had to take two years off. 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  My paycheck is my only source of income. I applied for a student loan forgiveness and I was denied. I was told that it was bc I attended a junior college in XXXX. It made no sense and Navient would not explain it to me. 
Numerous times I asked for a lower monthly payment but they would not. Navient claims that it is income driven. However, that does not include what it takes to live. For years I have wanted a home. Its why I invested in college. Navient has ruined my credit. I was not able to buy a home for my family. I had no credit. Without credit I have given up hope on ever having a permanent place to live. I applied for another student loan forgiveness. During Covid shut down I was at my school handing out lunches. I checked my payments and I have made the required payments. If I do not receive the forgiveness I want to why. Explicitly why. 
All the times I asked for a lower payment I Navient would never work with me. I have had my student loan in forbearance so many times. It was the go to when I could not pay what they wanted. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only need credit to survive sometimes. I do not make a lot of money. I have nothing to take. Im not paying it. I have already paid a high price for Navient. 
Navient did not send information or offer the student loan forgiveness to me. I found it on my school districts page. I have a photo attached of the choices Navient sent me. For the payments I did make you cant I made any. Interest has added all back on plus some. Navient is not a fair company. I have harassed by this company. Last year was almost too much as a teacher. They harassed during a time I could not afford to be. Navient has never helped me. Navient should be invested and audited. The FTC has a good bit of information already on Navient. XXXX that should warrant an audit at the very least.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to buy a car and serious delinquency is showing on my report from XXXX XXXX. I have reviewed all 3 credit bureaus and can not find anything but all closed accounts and excellent pay history, long credit history. How can I fight this when no one else sees a delinquency? I called all bureas and was told nothing negative. I had a car accident in 2017, not my fault, waited for insurance to pay off car was my only thought but that was not it. Please help me get this removed from my reports.
Product: Checking or savings account

My XXXX featured was blocked an I couldn't get to the fraud department after waiting for more than 30 minutes. The call back are 48 hours. I got missed call and try to reach them again and was put in a very long hold. This is totally unacceptable where the bank try to save money by putting extreme inconvenience to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. XXXX XXXX XXXX XXXX have violated many laws. 
Section 605, Section 605A, Section 605B.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX my wife and I applied for credit at XXXXXXXX XXXX XXXX ( Texas ) with salesman named XXXX who we specifically told we only wanted our credit ran once. Instead XXXX ran both of our reports a total of fifteen times with fourteen different banks. All of these hard inquiries resulted in both of our credit scores plummeting and not being able to qualify for a vehicle loan anywhere for years. 

On XXXX XXXX XXXX  I decided to try once more with the same company because I really wanted a XXXX and unfortunately was given XXXX yet again as a salesman. I expressly told him very emphatically I only wanted my credit ran ONCE, but instead he ran it five times against my will further ruining my credit where I can no longer get a vehicle loan anywhere on favorable terms. I asked him and his general manager, XXXX XXXX to fix the problem but they refuse, even lying to me by saying all of the hard inquiries during a given period only count once, which I proved wrong by emailing them screenshots of my credit report clearly showing all twenty hard inquiries that were individually made by each bank they illegally submitted me to since XX/XX/XXXX. I have received no response from either of them. My credit is ruined because of their illegal and unauthorized actions which violate the Fair Credit Reporting Act. I would like justice to be served upon XXXXXXXX XXXX XXXX XXXX XXXX ( General XXXX ) and XXXX ( salesman ) and all of the unauthorized illegal hard inquiries to be removed except for the ones that were legitimately allowed, which are two.
Product: Debt collection

I bought a cell phone ( XXXX ) from XXXX on base at XXXX XXXX GA when i first got stationed there. The phone service was very insufficient so i returned the phone within the 14 day grace period and went to another cell phone company. The XXXX vendors failed to process my return correctly. So after 6 months of me not knowing, i started getting phone calls from a collection agency for the phone i had returned. They put a {$710.00} debt collection on my credit. I went back the next day after i found out after 6 months. They submitted a claim that took another 6 months to follow through. And at which that 6 months i continuously received phone calls and told them of the issue. Which every time they called they said it was no problem and they will fix the issue, which was a lie they also told for 6 months. Finally after a year, the debt was paid by XXXX but the collection debt hurt my credit and has not been removed. It has been paid, but not removed from my credit files. They made the mistake and now my credit score has been penalized for it. Actions need to be taken to not only removed what they have done, but also to prevent this sort of issue from happening to others.
Product: Credit card

I signed up for a Frontier Airlines XXXX XXXX through Barclay Card XX/XX/2015 for a promotional offer of XXXX frequent flyer miles. I paid the required annual fee and met the purchase requirements of the offer. Over several months I contacted Barclay Card regarding the miles. It was acknowledged that I had met the requirements of the offer. I was told several times to expect the miles to post to my account. On XXXX/XXXX/XXXX I was again told that the miles would post to my Frontier account within 30 days of a letter posted to me dated XXXX/XXXX/XXXX. They still have not posted and today I closed my Barclay Card. I requested that the annual fee be returned as I was not provided the XXXX miles. I was told by a supervisor that that was not possible.
Product: Debt collection

they are saying i didn, t make any payment since XXXX but that is not right because waas about XXXX or XXXX and i think their is something illegal in this attempt to collect the debt
Product: Credit reporting or other personal consumer reports

ADDRESS IS INCORRECT I BEEN AT SAME ADDRESS, ALSO By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months to a year.

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

Not provide. 
XXXX sheats with referral and not with organic search also with XXXX 
My name XXXX XXXX. 
Likes that we do to the opperssors.
Product: Checking or savings account

I received a notice of dormant account on XX/XX/22 saying if I don't reactivate it I will be charged. I immediately called the bank and requested the account be closed so I would not be charged. I spent over an hour with them telling me I can not close with a balance and I needed to visit a branch. I explained I am living abroad and can not visit a branch and wanted them to issue me a check for the balance in the account and mail it to my home address and close account and they again said they could not do this. I've attempted to set up a transfer on their site but every time it say contact customer service and we go through all of this again. I just want the account closed and my funds returned.
Product: Credit reporting or other personal consumer reports

I inquired with XXXX, XXXX, TransUnion, and the companies listed below on XX/XX/year>, to request the removal of hard inquiries from my credit report. These inquiries were based on applications for loans that I did not receive. 

**Companies : ** - 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  I have requested that these hard inquiries be removed, stating that they were made under the presumption that a loan would be issued, which did not occur.
Product: Debt collection

They bought a debt pennies on a dollar and continued preying on me to repay or else.
Product: Credit card

This is the final attempt for American Express to comply with United States Codes and respect consumer rights under consumer credit protection act. This serves as an official notice of dishonor.
Product: Debt collection

On XX/XX/XXXX I filed a complaint with you stating that this company is reporting several factors of inaccurate information on my credit report. On XX/XX/XXXX, Vervent, the company in question responded to my complaint. 

Vevernt stated that " THEIR COMPANY DOESN'T HAVE ANY RECORDS OF AN ACCOUNT BEARING MY NAME. " In addition, they stated that " WE ARE UNABLE TO LOCATE THIS ACCOUNT BASED ON THE INFORMATION PROVIDED ''! 

I have made all the proper attempts and used all proper measures with resolving this wrongful information being placed on my credit and damaging my current state of livelihood!

I am in the process of buying a home and my lender made me aware that this account showed up. I am in no way aware of this company and furthermore who they are. I DO NOT HAVE A DEBT WITH THEM! I HAVE NEVER HAD A DEBT WITH THEM AND I DO NOT OWE THEM! Please REMOVE this account IMMEDIATELY so that I may successfully continue my buying process.

The case was closed with you and no resolution was reached.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated efforts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. 
This is completely unacceptable, and these inquiries are in no way a result of any action Ive taken. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Need a new card cause of identity theft. Need to replace this old card for security purposes
Product: Checking or savings account

Receive my payroll deposit on XX/XX/16 electronic deposit and there is an alert on my account that said can not access funds please call this number. I have called numerous times and it never goes to a representative but to a voicemail. I have left multiple voicemails and have sent numerous emails and still no response back. I am a single mother and need access to my funds.
Product: Debt collection

To whom it may concern Please accept this letter as my official complaint against loanDepot, LLC with the Consumer Financial Protection Bureau ( CFPB ) for unlawfully terminating my employment and demanding that I pay {$14000.00} to loanDepot for employment ending before the fulfilled contingency pursuant to Loan Depots Loan Consultant Offer letter. Please see attached :. 









On XX/XX/XXXX I entered into an employment contract with loanDepot that they have unlawfully violated. 
Per the contract, I must remain employed with Loan Depot for a period of XXXX XXXX. 
Which I intended to fulfill, I had no intention of leaving loanDepot prior to my XXXX agreement. I was Involuntarily Terminated by XXXX XXXX at loanDepot prior to my XXXX agreement on XX/XX/XXXX. Therefore, loanDepot terminated the XXXX agreement, ( NOT ME ). Please see attached : In addition, loanDepots H/R Department falsified the Notice to Employee As to Change in Relationship form to select : Voluntary quit effective : XX/XX/XXXX. 
Please see attached : I never gave notice to quit, I never provided a written statement to quit, nor did I ever sign the Notice to Change form that was sent to me requesting that I sign the Change in Relationship document. I never signed these forms because, I do not agree with them, I never gave notice to quit. I was terminated. 



















In addition Loan Depot agreed to advance me a total of {$16000.00} in payments of {$4000.00} per month for four months ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( This I agree to ) In return I would need to meet the following criteria during my 12 month employment : Monthly Origination & Funded Volume- Units : XX/XX/XXXX Funding ( {$250000.00} ) XX/XX/XXXX Funding ( {$250000.00} ) XXXX XXXX Funding ( {$250000.00} ) XX/XX/XXXX Funding ( {$250000.00} ) ( {>= $1,000,000} ) Loan Depots Pre-determined Minimum loan production for me, XXXX XXXX XXXX in XXXX was {>= $1,000,000}. 
( {$250000.00} X XXXX = {>= $1,000,000} ) Per the breakdown that was sent to me on XX/XX/XXXX from the loanDepot investment recovery team, my production during employment with Loan Depot is as follows : In total my production was {>= $1,000,000}. If I divide the total production by 12 months, my average loan amount comes to {$280000.00}. 

If I multiply {$280000.00} times 12 months, My Production Loan Volume with Loan Depot was : {>= $1,000,000} Prior to being terminated. 
Loan Depot Minimum Annual Production Requirements for me was {>= $1,000,000}. 
Therefore, I was {$280000.00} over My XXXX Production Requirements with Loan Depot XXXX XXXX was only employed with Loan Depot for XXXX months, ending XX/XX/XXXX. 

Furthermore, there is no indication as to how loanDepot came about this guaranteed obligation. Not only has loanDepot been more than compensated through my employment. 
They have a specialized department that harasses and intimidates defenseless mortgage loan originators, for money that is not owed to them. I think it is appalling and absolutely disgusting. 

Respectfully Submitted, XXXX XXXX
Product: Debt collection

I completed a debt consolidation approximately 10 years ago. XXXX of the creditors did not settle. XXXX of the creditors has hired a collection agency to come after me for the unsettled debt ; but the statute of limitations is up. 
The letter they sent me says they can not sue me or send this to the reporting agencies. 
The state of CA website says not to ignore the letter and seek legal counsel.
Product: Credit card

XXXX XX/XX/2024 I used a vendor, XXXX They charged my card but made the reservations at the hotel for the wrong date. After chatting with them on the app was told I would get a refund. I went to a different hotel and paid cash. And was never returned my money. Then was charged an extra {$63.00} on top of the {$160.00} now the XXXX app shows I have no transactions with them I was charged for a room I never used. Chime bank denied both claims
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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 156272 15 USC 1681 602A states that I have a right to privacy.

15 USC 1681 604A, section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) states that 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.

Please delete the aforementioned accounts ASAP. 

Thank you.
Product: Debt collection

I had a XXXX XXXX for a XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX Missouri. I was informed that XXXX XXXX turned my medical debt over which I was paying them {$100.00} a month and they turned it over to a company called CACI. CACI contacted me via phone And asked me what payment I wanted to make on the loan since XXXX XXXX had sent it over to them. I informed them I was paying {$100.00} a month on a {$7900.00} debt which is now XXXX. I then made payments on time every month and I never missed a payment and I was always on time as it was agreed-upon by CACI to automatically withdraw from my bank account. CACI agreed to {$100.00} a month and I paid every month consistently. I made a report to the XXXX because I found on my credit report that they had put a non-collect a debt even though I was making payments on time. My credit report dropped XXXX points, CACI responded to the XXXX  and stated yes Ive made my payments on time consistently every month but until they get the debt paid in full, that will be remaining on my credit report and they will not take it off until it is paid in full. They never communicated to me. They never asked me if I could make a higher payment. They never called. They never sent any written messages. I want this removed from my credit report immediately because I have made payments on time to the agreed-upon amount by CACI. This is a XXXXXXXX XXXX and this is a strong arm tactic and they never notified me. They never gave me any information about the bill even though I requested it and I requested it again on the XXXX Please assist!!!