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

XXXX Credit card was removed per cfpb and then it was reinserted on transunion. I also have an inquiry from XXXX that I have no knowlwege of or have given permission. By law it has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting to Credit Bureaus fraudulent information about a Credit Card account that i never had. I talk to them numerous times but still reporting to the bureaus that damaging my credit file and preventing to get new credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX cards and XXXX XXXX XXXX XXXX   Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXXto XX/XX/XXXX and they were aware.

Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death.

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me.

Also on all three credit bureaus Navient and XXXX reported me late on XX/XX/XXXXto XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted.

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports.

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage payment, including escrow account, total changed from {$1900.00} to {$1900.00}. I made the payment of {$1900.00} on XXXX for my XXXX payment, which was {$5.00} short of total due. I always made my payments using Auto-pay and the total was not updated to account for the change in my escrow account contribution. I was contacted by Fifth Third bank by mail regarding the shortage and so I wrote a check for {$5.00} on XX/XX/2021. Fifth Third Bank contacted me by phone and I informed them of the check that was mailed out and they noted the payment was coming. I discussed the situation with the customer service representative. I requested the balance of {$1900.00} be refunded so I could make a new payment in full, {$1900.00}, but that was not an option. I corrected my auto payment to {$1900.00} and made a payment on XX/XX/2021 which cleared on XX/XX/2021. Check of {$5.00} was received and applied to my account on XXXX, bringing my payments to full. Fifth Third Bank reported me to credit bureau in XXXX for delinquent account total of {$350000.00}, not {$5.00}. My credit score dropped XXXX points because I payment was received but not applied to my account. 
The {$1900.00} was not applied to my mortgage account by Fifth Third Bank but was deducted from my checking. When Fifth Third Bank was questioned about why that payment was not applied they stated " they did not know what to do with the payment, and I never called to tell them what to do with it ''. 
I made all payments to Fifth Third Bank before and after the escrow total change. I have never defaulted on a mortgage payment with Fifth Third bank, nor any other mortgage company in the history of me owning my property. All communication with Fifth Third Bank was open and there was no avoidance on my part to correct the issue. The change in payment total did not impact the amount paid to my load, only to my escrow account. When I reached out to Fifth Third Bank there was no negotiation or talk of them helping me to rectify the situation. I requested to speak to complaints department and they stated a paper letter would need to be mailed into Complaints because they do not take phone calls. 
I did not request to do business with Fifth Third Bank, nor was it an option to not do business with them. The fact that I am in a contract with Fifth Third Bank without any control over the situation is absurd. I was planning to make additional mortgage payments to my account to pay down my house faster. This was an option with XXXX XXXX XXXX whom I refinanced with, but is not an option with Fifth Third Bank. I am bound to the contract of a company that does not align with my financial goals and most definitely does not have customer financial well being as a concern.
Product: Mortgage

I represent a homeowner who is doing a short sale and has been approved under the HAFA guidelines to receive XXXX at closing which was approved by the sellers first mortgage holder ( XXXX XXXX ). The XXXX mortgage servicer at Seneca mortgage told me that they did not know that HAFA incentives were at XXXX and thought they capped at XXXX so if the seller was going to get more than XXXX then the investor at Seneca Mortgage wanted the difference between those XXXX numbers to go back to Seneca Mortgage and not to the seller. Seneca Mortgage also was offered 10 % of their unpaid principal balance, so they not only wanted that XXXX %, but also XXXX that the homeowner is supposed to receive from HAFA at closing. I told them that they had no right to collect the sellers incentive money if they already are being offered XXXX % of the UPB and also receive TARP money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.
Product: Checking or savings account

I received some deposits from my military benefits. In the month of XXXX PayPal allowed my account to be used for buying crypto by someone other than me. I disputed them through the app, when I went to check the status of the dispute there was no open or closed case. I called PayPal and they opened a case but closed it in approximately an hour saying that the XXXX transactions are consistent or something. I will NEVER use or buy that amount of XXXX PayPal cant even tell me where that money was sent. I need my money back because I live off of my XXXX check and the first time I deposit my checks into that account I get taken advantage of. PayPal needs to take a deeper look into my account and refund my money. I do not care if they close that account but I will not stop until I get my funds back. 
Case number : XXXX
Product: Checking or savings account

Navy federal states " We apologize for the inconvenience,. Check deposits can not be made by eMessage, and this item is not negotiable for deposit at NFCU. So, in order to fully assist me in understanding and resolving the inconvenience, I request that NFCU provide me with a full disclosure of what NFCU negotiable instruments are because prior to the agreement/contract that we entered into, along with a representative of NFCU saying it was " too late '' because I signed the agreement as if I was bound to the document, but as I fully understand that we have duties and responsibilities to uphold prior to the agreement, as well as the statement made - Navy Federal is authorized to supply any endorsement for the company And any seen the story on any chick or other instruments tendered for the account ( s ). And that statement doesn't say what instruments they are, as if I should know what the other instruments are and if they qualify as instruments. 

Prior to previous phone conversations, including one that lasted XXXX at XXXX on XX/XX/2020, during which a representative by the name of XXXX was receiving information from a source named XXXX, and also my visit to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NFCU has never disclosed what instruments were negotiable and non-negotiable prior to the statements made by NFCU agents and the statements in the agreement any check or other instrument And I fully understand Commercial paper is a type of negotiable instrument, where the legal rights and obligations of involved parties are governed by Articles Three and Four of the Uniform Commercial Code
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed a formal dispute letter to TransUnion via USPS-certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ). According to USPS tracking information, the letter was delivered to and received by TransUnion on XX/XX/2024. 
In my dispute letter, I requested an investigation into an inaccurately reported bankruptcy and incorrect personal information listed on my credit report. I provided all the necessary documents to verify my identity, including a copy of my government-issued ID, my Social Security card , and proof of my current address. Despite complying with all legal requirements, I have not received any response from TransUnion, even though the 30-day timeframe required by the Fair Credit Reporting Act ( FCRA ) has long passed. 
Specifically, I noted that the bankruptcy reporting on my credit report is both inaccurate and incomplete. The reported information omits key details, such as the correct court name, and fails to include other essential data that should be present. Instead, it only lists the filing date and a reference number, which is insufficient and misleading. Additionally, I disputed various incorrect personal information entries on my credit report, which TransUnion has also failed to investigate or correct.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX - XXXX XXXX
Product: Credit card or prepaid card

On  XXXX  of  XXXX , when I visited   XXXX   XXXX   in  XXXX , GA, I agreed to receive their services and to finance the amount of {$2300.00} at a 0 % interest rate. In  XXXX  of  XXXX , I was charged {$680.00} of accrued interest. That is a substantial amount. At no point during the consultation with  XXXX   XXXX , the  Manager at that Ideal  Image location, was I told that there would be an expiration date for the 0 % interest rate or that it was even a promotional offer. I have reviewed the entire contract and nowhere on it does it state the offer or expiration date.   I have always tried to make more than the minimum amount due each month but honestly, knowing that I was not accruing interest gave me the peace of mind to make higher bill payments elsewhere. I believe it is improper for them to tell me I am being financed a product at 0 % and not tell me it is for a period of time only. If that would have been the case, I would have paid off the credit line by that date or not taken the credit line at all. I have reached out to Comenity Capital Bank and wrote a letter to dispute the accrued interest charges and also attached copies of the contract I signed which support my position. They have not been very helpful during this process.
Product: Credit reporting 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.

JPMCB 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without instructions.
Product: Student loan

My loans are currently serviced by Mohela. This is not the first provider that I have had, but it is by far the worst. During the pandemic and while I was in graduate school, I attempted to keep up and make headway in my loan repayments. 
Fall XXXX I initiated the process of getting myself off the automatic school forbearance. It went through, only to then be placed right back in it automatically due to financial disclosures from the University. I informed Mohela customer service verbally and in direct messaging that I wanted off forbearance and to not place me on it again without my direct permission. Unfortunately, that did not occur. 
I graduated fall XXXX and in XX/XX/XXXX, I was notified again that I was placed in forbearance. I again, contacted Mohela to remove that notation and get my payments on track again. 
XX/XX/XXXX I consolidated XXXX of my loans to get them counted towards XXXX. When the approval finally came through with XXXX XXXX and Mohela, I initiated the XXXX XXXX clearance for the new loan. I also made a payment towards that new loan to help get the ball rolling. Without me asking for it, or even agreeing to it, I was automatically enrolled in forbearance for the remaining loansI called Mohela today ( XX/XX/XXXX ) and was notified that this occurred because the system automatically made and implemented that decision for me. Due to my continuing frustration with the process I requested to speak to a XXXX and get it corrected quickly. Unfortunately, when I finally got thru to the supervisor line it went to an auto prompt that said it would take XXXX business days to get back to me. 
Any time I have spoken with someone at Mohela to get my non-requested forbearance removed it is up to a XXXX  day process to facilitate. However, when the forbearance occurs its an almost instant process.it makes no sense. I am beyond frustrated and have never had this much hassle with a loan servicer since I started paying back my loans. 
Additionally, it routinely takes an unhealthy amount of time to speak to someone at Mohela on the phone as well as through their direct messaging system. The messaging system stipulates it takes XXXX  days to respond : however it has taken weeks to ever get a response from the company. 
I am actively trying to pay my loans back and this company is continually XXXX XXXX blocks in my path to do so. I know that if XXXX this frustrated with them, there most absolutely are plenty of others as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, My servicer XXXX, American Education Services, sent me mailing about my deferment ending. I called in and spoke with a representative in XX/XX/XXXX applying for a new deferment which was supposed to cover me until XX/XX/2019. 
I received negative remarks on my credit, which showed my payment as past due. 
I called into AES and they said they have no record of the deferment and they weren't any notes on my account. I found the paper where I documented the name of who I spoke with, the date and time, etc. The new representative explained she was unable to locate any information and would assist me with processing my documents at that time. 
I was given a three month deferment on the phone with the agent, and informed for sixth month deferment they would mail me a form which I would need to complete and mail in. I asked for a forensic review of my case, with all associated calls to be pulled to determine why the original deferment approval wasn't recorded and to update my credit report with the appropriate information. I shouldn't have negative remarks on my credit for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This needs to be corrected immediately.
Product: Checking or savings account

I opened an ING saving account, and Capital One bought out this compay.

I have not been receiving the savings rates as advertised with ING and when Capital One bought out ING, the savngs rates decreased. Capital One has other savings accounts with higher savings rates ; however, I am not made aware of this until this week. I read the article where CFPB is suing Capital One regarding misleading consumers with the savings rates. I am one of the consumers. I am still receiving very low interest rate on my savings account with CapitalOne 360 savngs account. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This was not sent in error XXXX XXXX XXXX consumer by law XXXX XXXX XXXX XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Credit reporting or other personal consumer reports

Notice Of Dispute : This is in Reference To Account # XXXX ( Discover Bank ) Dear Discover Bank, I am writing to dispute the reporting of an alleged late payment on XX/XX/year> that has been reported on my credit report. I never received any notice in writing from you stating that you were going to furnish negative information in the form of a late payment to a consumer reporting agency. This is a violation of the FCRA per 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and it is your duty as a furnisher of information to comply to ALL FCRA requirements!

I am requesting you provide me concrete evidence such as the notice in writing with a certified tracking number for proof of delivery and date, as I should have received this maximum 30 days after this information was furnished on my credit report. If you are not able to provide the requested information I am demanding you modify the payment history of the alleged late payment on XX/XX/year> to an On-Time payment ( OK ) or No Data ( ND ) immediately! Please update the modification with XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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. Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX CARD. Account Number : XXXX, Account Name : XXXX XXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX 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 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 XXXX 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

I don't know anything about XXXX.
Product: Credit card

I received an Amazon.com Rewards Visa Card in the mail last week ( home address ), and realized that I had NOT applied for this. I called Chase number on card and reported the mistake and they said this was identity theft. We cancelled the card, and I now have gotten a POBox to receive all sensitive mail, and had to alert all other creditors about the identity theft. I put a fraud alert on my credit reports, and am now checking those reports for accuracy. Not sure of what else to do - but was told to report this here to CFPB. Thank you.
Product: Debt collection

A debt collector put a lien on a old debt on my credit report it expired and is due to come off so a debt collector law firm sent a letter I sent XXXX request of verification of debt and last transaction and nothing. Instead they file garnishment against me on a debt that is approximately 20 yrs old how is that legal and where is my rights as a consumer. the law firm is XXXX, XXXX XXXX XXXX XXXX in XXXX.