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

The Following inquiries on my credit report were not initiated by me. I've attempted to call them multiple times, and they won't delete them even though I have a fraud alert as well as an identity theft affidavit that was sent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Mortgage

I applied for forbearance on this loan back in XX/XX/XXXX for net 6-7 months. After this period ended i contacted customer service to do repayment plan so that this amount be rollover at the end of my loan period! everything got set up and i was good to go and continue making my payments once again. 
Next due date came in i was not able to do a payment so after multiple phone calls i still wasn't to make a payment due some loan issues. 
Next month due date came and same thing happened after hours on the phone with customer representatives. 
all this time i did 2 payments with the voice machine operator ( only way i could have submit a payment because i didn't wanted the amount i owe to be increasing which somehow it did because the forbearance never ended apparently. 
No one from their team figure out that i was still on forbearance all this time and never fixed my account after numerous phone calls by me for them to fix my account and receive an official letter where it states everything that happened with my loan during Covid 19 times. 
After 9 months of thee problems now there is home insurance policy issue where my amount is not to the correct amount that should be and i needed to bump that up and plus a detached structure came out on their radar after 2 years of the closing of this property! this is ridiculous! 
i now need to take a survey and elevation certificate so that insurance company can cover the SHED for XXXX $ where after i asked them where did they get with this amount the poor lady said i really don't know what the structure is but this is the amount!! how someone can value something if they don't know what is it?! i cant deal with this bank anymore and i already lost hours and hours calling their not proper educated personal which they do inadequate job. Last phone call made on XX/XX/XXXX was to inform them that i have their policy amount to the level that they want but poor customer service agent didn't know where to direct my call and transferred my call 4 times to 4 different departments and no one knew how can i send them the new policy where it states that now my home is covered with the amount they want! 20 minutes lost and i had to hang up because my nerves are quitting after 9 months of horrible bank experience from the moment my loan was sold from federal bank to US bank. 
Short story long my loan is still under forbearance with money that i owe still pilling up and none from their department even cares about this or try to contact me and reach out for the documents THEY need and not me. Saddened that these financial institutions are given a chance to lead the American people.
Product: Credit reporting or other personal consumer reports

I had a dispute filed by EXPERIAN on XX/XX/2023 to remove an address that was fraudulent / incorrect but when I look at my dispute results it was not deleted but it was changed/ updated with an apartment number added to it. XXXX XXXX XXXX XXXX XXXX is not my address nor has it ever been and I would like it deleted from my EXPERIAN credit report completely.
Product: Credit card

I opened an credit card account with Discover Card in 2004 and had about {$7000.00} in debt when I quit using the card and it was being paid from my checking account automatically. I assumed the debt balance was being paid down slowly but I discovered it was growing and the interest was increasing to about 27 %. I now owe {$20000.00}. I contacted them and asked for a settlement and they refused. They said as long as I was paying monthly they would continue to collect but if I quit paying they would sue for the entire amount plus costs. I realize my fault was not paying attention but I do n't feel I owe for debt I did n't make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX several times in the past few years to update my credit profile for 2 late payments across multiple balances. These late payments were reported inaccurately and they are refusing to update to current. It has adversely affected my credit and what they are doing is absolutely fraudulent. I have no other means of getting this resolved other than going through with this complaint to report them for bad practices. Ive sent letters and emails to their Executive Director, but nothing. It is criminal and a horrible practice with the things they are doing regarding student loans just to make people lives miserable because they wanted to get an education to better their lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( XXXX, XXXX, and Trans Union ) that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.
Product: Credit reporting or other personal consumer reports

I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Number : XXXX, Account Number : 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 Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Checking or savings account

On XX/XX/XXXX, I initiated a wire transfer of {$50000.00} from my Capital One 360 Savings Account to my newly opened checking account at another bank. The purpose of this transfer was simply to add funds to my account. However, without prior warning or notification, I received an email on XX/XX/XXXX stating that my account had been restricted. No phone call was made to me before this email was sent. 

Due to being away on travel at the time of receiving the email, I was unable to immediately address the issue during the weekends. On XX/XX/XXXX, I contacted Capital One Bank to rectify the situation. The agent I spoke with assured me that my account had been cleared of any restrictions and advised me to resubmit the wire transfer online, which I promptly did. 

On XX/XX/XXXX. I engaged in a phone conversation with a Capital One Bank agent to verify the wire transfer. During this call, I patiently responded to numerous inquiries pertaining to the wire transfer. The agent assured me that there's no more question. However, the wire transfer was cancelled again after the phone call. I contacted the bank again and the agent recommended that I resubmit it. Trusting in the agent 's guidance, I proceeded to resubmit the wire transfer for the third time on XX/XX/XXXX. 

To my dismay, on the morning of XX/XX/XXXX, I received yet another email stating that my account had been restricted once more, with the ominous implication of potential closure. Reacting promptly, I made two additional phone calls to Capital One Bank. During the first call, I was informed that my account was under investigation, with no definitive timeline provided for resolution. However, the agent reassured me that I could contact them at any time to check the status of the investigation. 

In the subsequent call, I was delivered even more distressing news : my account was slated for closure, severing any future ties with the bank. Despite my insistence on clarification, the reason provided for this drastic action was solely attributed to the wire transfer. When I referenced the previous day 's recommendation by another agent to resubmit the transfer, I was met with dismissal, the explanation being labeled as a mere " miscommunication. '' This sequence of events on XX/XX/XXXX and XX/XX/XXXX only compounds my frustration and deepens my concerns about the lack of coherence and accountability within Capital One Bank 's handling of my account. 

What compounds my frustration is the lack of transparency and communication throughout this ordeal. I find it unacceptable that despite following the guidance provided by Capital One Bank representatives and diligently responding to their inquiries, my account remains locked without adequate explanation or recourse, and no any indication of when it will be resolved or when I will regain access to my funds.The inconsistency in communication and actions taken by Capital One Bank has left me feeling deeply unsettled and concerned for the security of my funds.
Product: Vehicle loan or lease

* 22.99 % interest rate on my Contract * In the state of ohio Legal Maximum Rate of Interest is 8 % ( XXXX ) * Bad Warranty
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I lack knowledge on this matter, and the company proceeded without my approval.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX XXXX  / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent accounts listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  had an address for me in California. 
TransUnion had my birth year off by 5 years. 
XXXX  has an alias of XXXX XXXX. 
Someone had an address for me in Illinois and Kansas. 

Incorrect payment history for XXXX across all credit bureaus. XXXX has stated 4 times to CFPB that everything is accurate. 
XXXX mortgage account number XXXX Are you mixing my account up with another XXXX? 
Is XXXX mixing my account with someone else and thats why they claim reporting is accurate? 

There are many inquiries that I have no idea where they came from. I have spent the last year contacting every creditor that has an inquiry and none of them will give me any information on why they authorized access to my credit report. The credit bureaus and creditors play tennis back and forth blaming each other.
Product: Credit reporting or other personal consumer reports

Employer is showing on my credit report after I stated to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in the amount of {$610.00} is reflecting on my credit report. This account has not be properly verified according to law. XXXX XXXX still has not sent anything to properly verify this account. No receipts, statements, proof of applying, proof of address that was associated with this account. And they are still allowed to have this on my credit report. 
Also, I have no contract with this company nor have I signed anything or have ever been notified. That is AGAINST THE LAW!
Product: Debt collection

In several phone calls to their office this month, I spoke with different associates trying to get a settlement with what the representatives said is a debt with XXXX XXXX credit card, and they are unreasonable, aggressive, and unrespectful. 
I offer to discuss the settlement several times -including today with who said is a Manager, XXXX- and he kept asking for my bank account and routing numbers to discuss a settlement. 
I am trying to do the right thing here, settling debts in the difficult moments that personally, and in the actual situation, we are all suffering. However, I do not consider giving my bank account information to somebody in XXXX to make my situation better. 
Appreciate the time and attention to this matter and give a reasonable settlement that my family can afford.
Product: Debt collection

FCO ( Fair Collections & Outsourcing ) Account # XXXX They sent me a letter dated XX/XX/XXXX offering to satisy for 20 % off my alleged debt of {$2300.00} of {$1800.00}. Although the XXXX is an incorrect amount. I was willing to pay this due to the urgency of needing this off of my record. I called them to pay the {$1800.00} as they offered and they told me that offer is no longer available that it ended on XX/XX/XXXX. Multiple letters were sent to my house, none of which stated there was an end date of this offer. Once I was financially able to make the paymetn of {$1800.00} I called FCO. 
Now due to this fraud I lost my apartment that I applied for and I have to be out of my current apartment in 2 weeks. Who knows if I will have a place to live now. 

Thank you, XXXX XXXX
Product: Bank account or service

In In XXXX I purchased a 3 year cd from Union Bank which was to be linked to the S & P 500 index and have a minimum return of 2 % per year. If the S & P went up I was to get a return that equal to the amount of increase. If the S & P went down I was to get 2 % a year on my investment of {$100000.00}. The S & P index increased 27 % in that period and Union Bank credited my account for only {$4900.00}. I should have recieved about {$27000.00}.
Product: Money transfer, virtual currency, or money service

I filed a dispute to receive credit for a purchase. In the mean time, paypal issued a credit for the purchase but XXXX XXXX did not return the disputed funds back to Paypal even though I was told the funds would go back to the merchant ( paypal ) in 3 - 5 days. This was XX/XX/24 and XX/XX/24. As of XX/XX/24 I had to pay Paypal the funds XXXX had not returned. According to XXXX XXXX, they don't " hold '' funds and PayPal received the funds for the purchase I made and that PayPal shouldn't have charged me for the " hold '' of {$160.00} because the credit processor holds the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and this company name, according to Equifax is " XXXX XXXX/XXXX '' both are reporting a negative account on my credit report as result of identity theft. I don't have any contractual relationship with " XXXX XXXX/XXXX '', that makes Equifax and " XXXX XXXX/XXXX '' entitled to enforce inaccurate credit information on my credit file. I tried resolving the issue recently again with Equifax on XX/XX/18, and directly through " XXXX XXXX/XXXX '' but has not had any resolution.
Product: Vehicle loan or lease

I bought a car at the XXXX XXXX XXXX XXXX XXXX XXXX Georgia on XXXX  XX/XX/year> and agreed on lending from XXXX  XXXX bank at a lower interest rate but they went behind and signed me up with Ally at a higher interest rate without my consent. I only found out about the new lender when they reached out to me by email. XXXX XXXX XXXX also kept me for over XXXX hours trying to force me to get a XXXX insurance and warranty. I had to walk out on him after we could not proceed for over XXXX as he kept trying to talk me into it. I finished the paperwork with his boss, XXXX XXXX, only to find out that they had switched the lender and APR on me. The general manager, XXXX too was of no help. He asked me to come that he will cancel the initial sale. I went in and he still added a XXXX % even though the lender stated less and asked me to continue with XXXX but XXXX asked me to come the following day that there is a cap on the sale that can only be removed by the cashier and they are closed for the day. I did as instructed only to be told by the front desk the following day that XXXX is not available and may not come in today. I saw the manager, walked up to him and he completely ignored me. At that point I called the police and was told its a civil case and he asked the police to walk me from his premises. The police asked for his corporate contact and he declined that he is all and all and there is no one after him.
Product: Mortgage

Many issues. Told in the beginning that I needed to get behind on mortgage to qualify for HAMP Program, I did and paid many late fees and attorney fees. Recently applied for the HHF Program, told I would qualify, WFHM stated that since they did not administer the HHF Program " In House '' for the State of Florida, they would not postpone Foreclosure hearing however, if I lived in a State that they did administer the HHF Program, they would have postponed the hearing. Many, MANY other issues, lies and untruths told over the past 6+ years, I am currently conferring with an attorney regarding filing a lawsuit against WFHM .
Product: Credit reporting

XXXX XXXX XXXX MN Credit Bureau Address City, State, Zip Code XX/XX/XXXX Dear Experian I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, ( XXXX XXXX
Product: Mortgage

I have asked XXXX  to use my insurance claim money payoff the principal amount and recast the loan for the remainder amount. XXXX has sent me the required paperwork and I have paid the {$300.00} dollar recast fee on XX/XX/XXXX. I was told that the recast will happen within 60 days and I have followed up the bank multiple times and was assured the case was being processed. 

I called XXXX XX/XX/XXXX and the agents were not able to provide the status and I am dissatisfied that the process is taking too long and I end up paying $ XXXX every month in the form of interest.
Product: Credit card

Hi! we have tried to resolve this issue with the conmenity bank over a charge with victoria secret account where it seems like they have created 2 accounts for my wife where only one should be active. However, even if the account was used the balanced was paid in full on XX/XX/2023, Payment in the amount of {$150.00} was made then and they told me that the actual late fee of {$30.00} was going to be credited back to the account as a courtesy one time a year. I said thanks and that we needed this account to be close. However, they never closed the account wanting me to call when some one can speak XXXX where it finally occured today XX/XX/2023, we talked to XXXX and XXXX that initially said his name was XXXX? here in this call, we rephrased the same XX/XX/XXXX chapter about the full payment applying to account one day late and that such late fee in accordance with the operator in the call, was suppossely be dropped, this last thing never ocurred and they keep on accruing late fee charges on the account that it no in use and that we ask and ask to close it. They are sustaining that such credit must be approved before they can apply the credit but it was preciously approved and now they are dennying it! I have talked to XXXX, and other several customer service people where no one seems to be able to help in resolving such confussion? we do not want this account open! we have other account with a Master card on same victoria secret that we are using and as a result of this misunderstanding, we want nothing to do with victoria secret. they sustained off course after the payment has gone thruogh that now they can not credit the late fee back and another month has gone through where now they have put the account to {$62.00} all in late fees base on a late fee that they never removed, Now! how can we allow this company to froce us to pay what we do not owe them? we never make a partial payment we make full payments everytime. Victoria Secret Conmenity Bank regular credit card. Note : They said that they will continuo to accrue late fees on it and that they are not seing such credit back in XX/XX/2023.