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

XXXX bank account number-XXXX XXXX XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXXXXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCYXXXX  In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

My identity has been compromised since the year XXXX The thieves used my stolen information to open a XXXX XXXX XXXX XXXX XXXXXXXX XXXX  account. I became aware of this situation on Thursday, XX/XX/XXXX, after attempting to open a XXXXXXXX XXXX checking account. At the branch, I was denied the checking account and was informed that It was due to a negative balance with a previous bank account. Afterward, I reviewed my consumer disclosure report on ChexSystems.com, and that's when I discovered this negative XXXX XXXX XXXX XXXX XXXX account. I have never had an account with this credit union. This situation is a significant inconvenience and has drastically hindered my ability to open a checking account. Please investigate and remove this bank account from my consumer disclosure report and uphold my rights furnished by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the summer, Equifax was involved in and admitted to errors on credit scores that directly impacted me. I filed claims and spoke directly with them to have any negative entries removed from my report. They complied and removed the entries. I wish to file claims for the deletions removed from my accounts and have the information regarding each deletion with a confirmation number. The deletion confirmation numbers are : # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX I am requesting the other credit reporting companies to follow suit and remove all negative postings on my credit report as Equifax has. Under CFPB I am entitled to {$1000.00} per entry removed and looking for CFPB to have them follow the laws in place to protect consumers and confirm that negative entries were removed from all 3 credit reporting companies : Equifax, XXXX and XXXX. 

Also my name is listed as XXXX XXXX. My name is XXXX XXXX. I resumed my maiden name in XXXX and have attached my name change document. I have no idea why anything would have that name in XXXX. I NEVER used the name XXXX XXXX. As the attached document states I used XXXX XXXX ONLY when I was married. My name should appear only as XXXX XXXX. I also do NOT want my address or phone number listed on ANY report or record.
Product: Payday loan, title loan, or personal loan

I applied for a loan. They told me the loan was approved at a specific interest rate for 5 years and a specific payment amount. All I had to do was login and accept the offer. They said a soft credit check would be done to determine my interest rate, then a hard inquiry after I accepted the approved loan. I logged in and accepted the offer, only for them to turn around and state that the loan application was denied and they did a hard inquiry so now it on my credit report, which will affect my credit score and me subsequently looking for another loan. If they knew you were going to deny the loan they should not have done an hard inquiry. And how can you say the application was approved, only to deny it after the offer put fort by the company was accepted. 

https : //www.prosper.com/
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

I had {$3900.00} stolen from my account on XX/XX/2023 held by 5/3 bank. I was told the money would be returned to my account in a recorded phone conversation by 5/3 bank twice. Today after many attempts reaching out to my local branch and XXXX number was told because I didn't report the fraud in 24 hrs. that my money would not be returned and it's my loss. What business reconciles accounts every day?! I put my money in the bank because I expected it to be safe.
Product: Credit card

I have an Amex gold card, and because my company is new I have a hard time paying the amount, I have paid all my credit cards so far, and on XXXX XX/XX/year> they charged me {$61.00} interest charge on promotional Balances, and other problems I have with Amex if you have other cards from Amex if you don't pay one card they have frozen the others cards until you pay, I don't know if it's legal but I know Not fair to us consumers. Being owner the of a XXXX XXXX is a challenge because we don't have help at all. 


Thank you.
Product: Debt collection

I owed a debt to XXXX XXXX XXXX and settled the amount on XX/XX/year> and the representative for them has refused to provide proof of payment and also has refused to approach the client to retrieve the paperwork. I am a XXXX veteran at risk of homelessness because of this refusal to correct my report. I can not apply for a home loan anywhere. I upheld my expectation, they need to uphold theirs. Requests by email are met with refusal or saying that " We can't send you anything until the client signs and returns the release. ''
Product: Mortgage

my mortgage compnay is handling escrow account inappropriately i requested the escrow analysis, but they do not provide the information properly. Also, i wrote a letter to request to close PMI, but they would n't close PMI in escrow. I called numerous times about this matter, but they would n't close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy XXXX XXXXdismissed US BKPT CT XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXX-discharged US BKPT CT XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX is reporting on my personal credit file with 3 credit reporting agencies. These public records 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 regards to identity theft. Additionally, the credit reporting agencies & 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 bankruptcies removed from my file.
Product: Credit card or prepaid card

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX put late payments on my account. In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit card or prepaid card

XX/XX/23 I try to submit an application for the Capital One Business Spark card. Capital One will not let me submit my application because my EIN ends in XXXX. Their system says the number cant be correct although it is. They have told me there is nothing than can do both over the phone and at the branch in person. This is not allowed under equal credit opportunities act. They are denying my right to apply based on my EIN number having XXXX at the end.
Product: Debt collection

I am the victim of XXXX credit card fraud activities and {$7400.00} charges. I have been trying to resolve this issue on my own for more than one year and a half, charges was been taken off and then put back on my credit report. Not only this, I am constantly and continuously harassed and threatened by collections companies. I have communicated with the XXXX credit card company and reported the fraudulent account and the charges over the phone many times. Here is the rundown of my communication with XXXX. 
On XXXX XXXX, I spoke to XXXX XXXX fraudulent department about the account activity. I was on phone for more than an hour. They assured me that it will be resolved within 3-4 weeks. On XXXX XXXX, I called them again to find out the status of my fraud report. Instead of resolving the issues and fraudulent acts, they were asking me for the payment. After staying on phone for more than a couple of hours, I was able to speak to an account specialist who assured me it will be resolved within 72 hours. On XXXX XXXX, I called them. From the fraudulent department of XXXX, they assured me that the matter will be resolved soon and I did not have anything to do with this account. On XXXX XXXX, I called again and they told me that this account is closed and will be reported to the credit bureaus. On XXXX XXXX, I called them and they told me that the account is closed and reported to the credit bureaus. On XXXX XXXX I went out of the USA . On XXXX XXXX, I received an email from XXXX XXXX that, instead of resolving that fraudulent account, XXXX has reported as missed or late payment to the credit bureaus. Then I communicated with XXXX over the phone, got a case number, and sent mail to all of the credit bureaus with documents proving that I have nothing to do with the card and charges because the charges took place while I was not in the state and country where the charges took place. I am desperately in need of your help as a responsible consumer to finish this frustrating financial fraudulent issue once and for all.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XX/XX/XXXX
Product: Mortgage

I applied for a refinance of a mortgage loan secured by an investment property in XXXX. The property is vested in the name of my revocable trust. I applied with GreenTree Servicing, my current loan servicer, which in turn got XXXX involved. During the application process, an employee of XXXX and then a couple of days later a title company employee asked for a " full copy '' of my trust agreement. When I asked the XXXX employee what her authority was for the request and asked whether they would accept a trust certification or memorandum of trust, I never received a response ( see emails attached ). Upon being asked by the title company, I did some research and learned that the law in XXXX is the same as XXXX where I reside. The XXXX statute 46A-10-1013, provides : " A person making a demand for the trust instrument in addition to a certification of trust or excerpts is liable for damages if the court determines that the person did not act in good faith in demanding the trust instrument. '' I offered to provide a trust certificate. As I see it, asking for a copy of the full trust agreement was unfair and made in bad faith. I am a XXXX so I know that conditioning the approval of the transaction upon the receipt of information that a lender is not otherwise entitled to could be viewed as abusive. How many unsuspecting borrowers are being asked to provide this information when a lender has other options and is clearly not entitled to receive it??? When is GreenTree going to get its act together? I cancelled the loan application and am looking to refi with another lender because I do not want to do business with any company that can not conform its activities to those that are lawful.
Product: Vehicle loan or lease

I financed my car in XX/XX/year>. My payments are in the amount of {$520.00}. I have always paid {$600.00} on South East Toyota website, and wanted to have the extra amount applied to principal balance. I noticed it was not being applied and HAD TO call XXXX, XXXX, and again in XXXX, and every time I received different information. 

I am not able to have additional principal applied by using their site. I was given an address to mail payments, and have my extra amount applied correctly. I had to call again to question why it was not being applied correctly, I was given another address because the first address does not break down payments. I am now in my 9th payment and I have to call and waste my time with these people every single month. 

Now, I was informed that they applied my Full payment for XXXX or XXXX ( not sure anymore ) to Principal. I was informed that I had the correct address and they will correct the payment and to wait 5 days. I called again and once again was informed to wait 5 days. I have waited 18 days and am sure by now they have reported me to the credit bureau since they are still showing my payment late. 

I will be glad to show all my payments, and am sure conversations get recorded for training purposes or to improve customer services.
Product: Mortgage

I have repeatedly asked Caliber representatives to provide me, in writing or on their website, the breakout of my monthly mortgage payment - escrow portion. They refuse and will only provide TOTAL escrow amount of monthly payment. I believe as a consumer, it is my right to know how the combined monthly escrow amount is apportioned.
Product: Debt collection

I have already settled this debt and paid both of my derogatory hits last year. Both are from the same company. They also said it would take about 30 to 60 days for it to reflect off of my credit report. I am looking on my credit report and it is still showing on my report as a debt not collected.
Product: Credit card

I applied for a Marriott Rewards Credit card under the rules that I was to to receive XXXX Marriott Rewards points from Chase Bank. After Spending the required {$3000.00} dollars When I called up to verify ( because Chase Credit Card Services runs a bait and switch operation ) they told me I did not sign up for that service. NOTEWORTHY, I first called Marriott rewards who told me that my first number thousands of dollar in XXXX purchases were not reflected to my card/account and the MARRIOTT REWARDS SERVICE agent DIRECTED ( without me asking me to contact Chase and ask to SPEAK TO A SUPERVISOR ( I THINK BEACAUSE THEY KNEW THEY WERE DOING A BAIT AND SWITCH OPERATION and have had many calls ). I once signed up for an XXXX XXXX Credit Card whereby Chase offered XXXX flights annually if you took they offer while still on the plane. THEY ARE A CROOKED BANK!!!! I guarantee it!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/16 Balance : XXXX
Product: Credit card

There is a charge on my AMEX account. AMEX has confirmed that the merchant can not identify my name, email, or billing address. I have repeatedly asked AMEX to remove this charge and AMEX is refusing to reverse a charge on my credit card for which I have received NO services/goods from the so-called merchant. When I called AMEX to dispute the charge, AMEX asked me discriminatory questions about my background. This has nothing to do with the improper charge on my AMEX account. AMEX should not discriminate against minorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Checking or savings account

Some time in May I lost my TFc bank card and me and my son socials in my wallet I hade XXXX $ on my card that I needed to use for my son milk I happen to notice that I didnt have my wallet so I pankied because this is unlike me I even called the police they said they can mske a report but they couldnt do nonthing about it I called the bank they said my account was on locked and closed because it was in a negative
Product: Payday loan, title loan, or personal loan

XX/XX/2022 XXXX XXXX, a solar company came to sell me solar. I accept it. They finance me through a finance company ( Enerbank ), the solar company never made contact with me again.In XXXX a second solar company came by to sell me solar I explained I was waiting for the first company but they hadnt showed up. They said they probably wont so I bought solar from them and got financed through a different finance company ( XXXX ). After trying to get a loan I saw on my credit report the first finance company charging me XXXX. I make contact with them and they told me they paid off the solar company so I owe them the money I was wondering if I can get help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I learned that a discharged judgment and foreclosed property from a XX/XX/XXXX Chapter XXXX Bankruptcy has appeared on our credit report after 7 years. Per the credit report the Debt is showing as XX/XX/XXXX Bank name XXXX XXXX  XXXX -- No Data. Eviction is checked yes. Address is XXXX ( will disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX  Trustee for XXXX XXXX ( was XXXX   XXXX XXXX then Nationstar ) - No Data. Eviction is checked yes Address is XXXX ( will further disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX  XXXX XXXX - Eviction is checked no Address is XXXX ( will further disclose if requested ) Judgment Amount is {$35000.00}. 

Home at XXXX was foreclosed in XX/XX/XXXX, there was no eviction and was my husbands property. 

XXXX was my property which was discharged in our joint bankruptcy in XX/XX/XXXX. There was no eviction. Also XXXX XXXX was related to XXXX XXXX and my name was not on that loan. It was a money judgment when the bankruptcy discharged it in XX/XX/XXXX at {$35000.00}. 

These items were not on any credit report until around XX/XX/XXXX when I received a letter from XXXX saying that my current address was changed to XXXX, a place I had not lived at for 3 years. 

Both of these banks are in violation of the terms of the bankruptcy as both property and judgment were discharged in the bankruptcy. 

I want these items permanently removed from our credit reports as this is some sort of retaliation. I have not contacted the banks because we have worked very hard over the past 7 years to keep our credit clean. I do not wish to play a game of dispute where each time they fight the dispute it drops our scores. We had to file bankruptcy due to my failing health and subsequent XXXX  XXXX, but we did so according to the laws of the United States government. We did not underhandedly file false and misleading reports that are now compromising our character. What they have done is deceptive, unfair and they should be reprimanded as they had all records relating to our bankruptcy. These banks need to stop trying to ruin people with these types of tactics. 

It has been 7 years since the bankruptcy discharge and at least 10 years to the judgment filing. 

I can't even find an address for either bank to try to take care of this without damaging our credit files further. They are not listed in the creditor list on the credit report we just had pulled. So no way to contact them. 

We can provide whatever proof is necessary to get this handled including the court paperwork that dismissed any eviction case against us. 

We sincerely appreciate whatever you can do to stop these big banks from disobeying laws that were put into place to protect us. Thank you.