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

N accordance with the Fair Credit Reporting Act the following accounts 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 an account without my written instructions. 

Creditor : XXXX XXXX Original creditor : 08 XXXX XXXXXXXX XXXX  XXXX XXXX A Date : XX/XX/2022 Balance : {$220.00} Creditor : XXXX XXXX XXXX I DATE : XX/XX/2022 Balance : {$610.00} Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/2022 Balance : {$900.00} Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have disputed these credit card accounts XXXX XXXX XXXX XXXX for {$2900.00}, XXXX XXXX XXXX XXXX for {$5600.00}, XXXX XXXX XXXX for {$1500.00}, and XXXX XXXX for {$310.00}. I filed an identity theft report. These accounts still have not been removed from my report. I have never had an account with these companies and would like for this to be removed from my credit report.
Product: Credit card

UNDER 15 U.S. CODE 1681 qa1oaE ( B ) AND 15 U.S. CODE 1681i ( 5 ) this account is in violation not reporting 100 % accurate. In accordance with the fair credit reporting act, The list of accounts has violated my federally protected consumer rights to privacy and confedentiality under the 15 USC 1681. These accounts have voilated my rights. Pursuant to 15 USC 1681 section 602 a states I have the right to privacy. Pursuant to 15 USC1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts with out my written instructions. I am requesting the original copy of the agreement & terms & condition. Failure to comply will forefit your claims and will require you to delete the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.I LOOK FORWARD TO YOUR RESOONSE i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible.

ADDITIONALLY they obtained credit with these accounts : Account Info : midland credit Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Debt Buyer Status : Collection account. {$520.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Payment Summary : Account Info : XXXX mutual Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Collection account. {$740.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Payment Summary : XXXX : Late payment for XXXX
Product: Checking or savings account

XXXX Bank has opened an account with my name three times in the past year never once doing any kind of background check or credit checks I now have to pay for service that alerted me an account was opened, and this time I was able to stop the account from continuing. 
My complaint is that this M & T bank has lack of security, and has hackers opening accounts Without any repercussions
Product: Mortgage

CMG Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Papillion, XXXX XXXX Every Customer, Every Time, No Exceptions, No Excuses. 

This is the email tagline for one of their Jr. Loan Officers XXXX XXXX . My wife and I are looking to build a new home and put our house on the market in early XXXX. Before listing, we received two offers and went with one that received a pre-approval from this institution. 

We signed our purchase agreement with the buyer on XX/XX/XXXX and XXXX XXXX had almost two months to ensure the buyer he Pre-Approved was ready to go. The HUD appraisal was done on XX/XX/XXXX and the termite inspection was done on XX/XX/XXXX. A day before closing ( XX/XX/XXXX ) the buyer and seller 's agents are notified that the buyer may not qualify. 

As a last resort, the buyer 's agent reached out to another lender that typically is a miracle worker for her. That lender said there was nothing she could do and, in her opinion, the buyer would never have received Pre-Approval at their institution. While I understand things come up in the process, it seems like XXXX XXXX did not do his due diligence and will not admit his error. 

My advice going forward for anyone looking to use CMG Financial that I know in Nebraska : If you are given approval by this lender, follow up and ensure they are actually doing their jobs. Babysit them during the process so unlike the Pre-Approved buyer we had, you are not giving up your home expecting to move and left homeless the day of closing. 

As for my wife and I, we put our home back on the market before our contingent sale deadline and loss of our deposit. We paid for rent and mortgage since we moved out of our house on XX/XX/XXXX. XXXX XXXX dodged the phone calls of our realtor after XX/XX/XXXX. I really feel bad for the buyer as he canceled his lease for the day before signing and anticipated moving into the house that next day.
Product: Bank account or service

I have been a customer of SunTrust bank for more than 10 years. I have a personal and a business account with them. I run an XXXX XXXX XXXX XXXX XXXX XXXX. As part of my business, I have several developers that reside in XXXX and XXXX. I have started using SunTrust bank to send out wire transfer to XXXX XXXX to XXXX of the developers in the amount of {$4000.00} a month since XXXX XXXX. 

I did my first XXXX transfers at XXXX Bank XXXX XXXX in XXXX, VA in person with no issues. I then was advised to get a phone authorization so that I can do the transfers remotely. I did that and was able to do the final XXXX transfers via the phone. 
On XXXX XXXX, XXXX, I received an email from XXXX XXXX XXXX | XXXX XXXX - XXXX at SunTrust Bank inquiring about the purpose of my wires. I responded on XXXX XXXX stating that these wires were a payment for XXXX development work performed by XXXX XXXX, my contractor. I got a response from XXXX XXXX, thanking me for the information I had submitted. 

On XXXX XXXX, XXXX, I picked up a certified letter from SunTrust Bank 's XXXX XXXX XXXX where they informed that they will be closing all of my accounts ( business and personal ) within 10 days of the letter dated XXXX XXXX XXXX. There was no explanation for this action. I called the number provided XXXX and was told that I had to go the branch to get an explanation. 

On XXXX XXXX, XXXX I came to the SunTrust Bank XXXX XXXX in XXXX, VA and spoke to the Branch Manager who was the XXXX helping me with the wires before. He made a call to XXXX XXXX XXXX and found out that they made a business decision to close my accounts and deny me the right to open a new account because I make transfers to XXXX. I asked if I can open a new account if I stop making those transfers and I was told that their decision is final and they do n't want me as a customer. 

As a consumer I was not told that there was an issue with sending money to XXXX back in XXXX XXXX, I was not given a warning, and I am not being given enough time to sort through this situation. The bank has performed about XXXX transfers total for me with no issues. And now not only my business account is affected but so is my personal. I have all automated payments going in and out of both accounts. I do not have another business account to send to my clients so I can collect payment. The letter was dated XXXX XXXX, giving me only 10 days to close out my accounts. I had to go to the post office to pick it up, which happened on XXXX XXXX. Today is XXXX XXXX. Now I have 3 days to get a new account, get payments in there, transfer my money AND setup all the automated payments without missing payments. This is a huge issue for both my business and personal life.
Product: Mortgage

Dear Madam/Sir, Back in the Fall of XXXX  my mortgage company, Freedom Mortgage, suddenly increased the amount of money to be paid in monthly installments. Ever since I many times tried to get an explanation as to what exactly caused this raise in my payments. 

This company apparently does not have customer service to speak of, since I never received a satisfactory explanation. Worse, the personnel that is charge of handling issues of this sort - like what they call " escalation team '' are in the habit of simply stopping responding to you when they find your issue is too pesky to address. 

Attached are documents that very clearly outline the problem. 

Thank you! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We leased a vehicle in  XXXX  of 2015. Part of the incentive was that the dealer would make the first payment of the lease. When we arrived to pick up the vehicle, we were informed that due to " credit '' issues ( which were not elaborated on ) we were required to pay an additional {$500.00} ; This was only disclosed when we arrived - not before. Since it was too late for us to change our mind, or get another vehicle elsewhere, we decided to pay the {$500.00} - HOWEVER, when they actually added up the invoice, they added yet another {$500.00} and then denied that they did so. We had to call the manager to re-calculate - and she then advised that we were right, and there was another {$500.00} added that should not be. Apparently, The dealer never lived up to its promise of making the first payment on our behalf - which was the original incentive for us to lease the vehicle. We set up 23 payments ( the lease was for 24 ). ALL OF WHICH WERE ON TIME OR EARLY. now GM FINANCIAL is reporting that I have a late payment on my credit report - which is NOT ACCURATE. I spoke with "  XXXX  '' at GM Financial who claims that she can not fix the credit report for at least 30-45 days, and only if she gets a letter from the dealer. My credit is very important to me, and I need to get this corrected, but my complaints are falling on deaf ears. Please help.
Product: Mortgage

We have been in our home since XXXX. In XXXX, we changed our loan, due to the APR and balloon payment of our XXXX mortgage. XXXX, was the loan processor, here on XXXX. Somewhere in this transaction, there was rob-signing, along with some other issues on the loan. Over the next few years, our loan was bought and sold XXXX times. I processed a loan modification in XXXX, which was approved. Our payments had been around {$4200.00}. with tax and insurance, and were reduced to {$3300.00}. per month. In XXXX, I was put off work by physicians, and we were having difficulty with the mortgage. In XXXX, we applied for a HAMP, ( loan mod. ) and were refused. We have since employed a person for assistance with this issue. It was discovered that our loan, was indeed, fraudulent. Since this time, we have been trying to resolve this issue. We were served Summons papers on XXXX XXXX, regarding a threatened foreclosure on our home. We were to file with the courts, what our intention was, on our property. The summons came from the office of XXXX XXXX. Our issue is with XXXX, and their service company, OCWEN. When XXXX XXXX was contacted last week, they stated, " we do not have a loan with XXXX and XXXX XXXX ''. They could not find us in their system by name or social security number. We submitted on XXXX XXXX, a dispute regarding the multiple offenses regarding our loan. I have attached several letters written by our representative, which were sent to the Court, and the office of XXXX, attorney at law, on XXXX XXXX. These letters are of great concern to us, and we really need our loan, looked at. I will forward our latest billing from Ocwen, which includes penalties, and late fees. This will have our loan number on it. Also I will attach the Summons, and XXXX I will send the XXXX letters written and delivered to XXXX, and the XXXX XXXX, XXXX, Hi I also need to know if this person helping us is fraudulent in any way. Her name is XXXX XXXX, XXXX XXXX XXXX. I also would like to know if XXXX XXXX XXXX has any bad reports. I just started talking with XXXX XXXX XXXX ( XXXX ) regarding this issue and they recommended a quick short sale. We are so confused at this point, we do not know who to trust. Please help ASAP. We only have a week to decide and file with the Courts if we want to short sale.
Product: Credit card

I am requesting claims and defenses under Federal law ( 15 USC 1666i ). This section specifies the cardholder 's liability is limited to the outstanding balance minus the value of the fraudulent transactions when the issuer is notified. I do not consent to any past or future payments being applied for the fraudulent charge. Regulation Z, specifically 1026.12 of the TILA contains special credit card provisions that limit my liability for fraudulent use of a credit card. I hereby inform the card issuer and representative investigating the case, that I am withholding payment on the fraudulent charges.

However, to be a loyal consumer I will continue the minimum payments under duress and fear that withheld payments will negatively impact my credit report and reputation. According to California Financial Code Section 2102, 17000 and Federal law principles. I reserve the right to refund. Consumers should be protected from financial loss from fraudulent transactions. The Fair Credit Billing Act safeguards consumers from fraudulent transactions on their credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) and Equifax ( XXXX XXXX XXXX XXXX, XXXX XXXX ) continue to report inaccuracies, errors, erroneous, deceptive, misleading, false, and unfair practices on my Consumer Report with XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX & XXXX ). This account has numerous violations that I stated in the letters. For example, one violation is reporting payment history. Since the charge off date of XX/XX/2020, XXXX XXXX and XXXX XXXX is reporting on Equifax and XXXX a charge off every month and it continues to updating the payment history on the accounts. Charge Off accounts should not be reporting active payment history past the charge off date. This is falsely and illegally manipulating the date of last activity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. The inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Product: Debt collection

This debt appeared four years after the date of incident on XXXX. They billed wrong insurance company and used an incorrect mailing address for their mailings. I never received any type of bill from the original debtor. Did not find out about this until XXXX of XXXX. XXXX XXXX XXXX XXXX was using all the wrong information for doctor services at an XXXX XXXX visit at XXXX XXXX XXXX in XXXX MO. The hospital had all the correct billing and mailing info and proceeded their side with no problems. XXXX XXXX did not. Trying to find town square and discuss the issue, they had filed XXXX and told me they no longer were the same organization since restructured and could not go back and bill Medicare, which was my coverage and still is. Contacted XXXX XXXX XXXX billing and they said same thing, XXXX XXXX XXXX XXXX  was no longer in biz and they no longer dealt with them. I was told by both entities there was nothing they could do to bill the correct insurance and resolve the issue. No one contacted me during these XXXX XXXX  years. When I went to purchase a home in XXXX of this year I saw this charge and have tried to resolve it ever since. All I need is sometime to charge back to Medicare and resolve the issue. Ability Recovery Service said they wont do it nor the agency they were representing that purchased the debt from town square prior to their XXXX  This doesnt seem fair Im now punished for someone elses misinformation and lack of correct information. The hospital got it right the XXXX XXXX should be held accountable for this loss not myself as it happens to be. I have my Medicare ins card that shows my effective date of coverage is XX/XX/XXXX. Almost a year prior to the services rendered. Again XXXX XXXX got it correct and billed properly and used my correct mailing address. XXXX XXXX dropped the ball completely and then didnt contact me in anyway.
Product: Mortgage

I have a XXXX mortgage with XXXX and a Home Equity Loan with Citibank. 
XXXX is in the process of refinancing my mortgage ( on a Cash Out basis ) and was informed by Citibank that Citibank changed its policy in XXXX 2015 and will no longer process subordination requests for cash out mortgage re-financing. This is surprising as it changes the terms of my Home Equity Loan unilaterally on Citibank 's part. Citibank was adamant that they can do as they please and they refused to accommodate any request for flexibility.
Product: Credit card or prepaid card

Consumer name : XXXX XXXX ( spouse ). Re : Old Navy credit card account, account ( card ) number XXXX XXXX XXXX XXXXXXXX, Expiration date XXXX. Payment of {$2700.00} was sent to Old Navy on behalf of Consumer by XXXX XXXX XXXX XXXX on XX/XX/XXXX. Check number was XXXX, XXXX XXXX ID is XXXX XXXX XXXX, XXXX Account Number is XXXX. Payment was received, processed, and endorsed by XXXX XXXX for Barclays on XX/XX/XXXX, but has NOT been posted to the credit card account as of XX/XX/XXXX. Consumer contacted Old Navy " customer service '' twice, once each on XX/XX/XXXX and XX/XX/XXXX. Customer service for Old Navy is located at an " offshore '' location ; their personnel were unable to verify that the payment had been received by Old Navy 's bank ( s ). Consumer offered to fax evidence ( copy of endorsement ) to them, but they declined, stating that they would not be able to physically receive it. Endorsement reads : " XXXX XXXX Bank XXXX XXXX at XXXX XXXX Bank XXXX XXXX XXXX XXXX BARCLAYS XXXX ''. It was dated " XX/XX/XXXX '', with " sequence '' number " XXXX '', back to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX on 2018 I contacted Experian for fraudulent activity on my account. During the call I followed their recommendation to freeze my credit and reports. They indicated the systems would auto-generate a 'pin ' and it would be postal mailed to me. 

I never received the postal mail. 18 months later, after numerous calls I am not able to request the pin online, or phone call, or email.Instead the ask me to postal mail my social security card, drivers license and utility bill to have them issue me a new pin. A process that will take an unreasonable time ( over 30 days ). 

I have answered all my historical questions for numerous operators and substantiated my identity verbally back some 15 years but the refuse to accept these to issue a new pin. My complaint is they are lacking on any accountability and responsiveness to a consumer and a client complaint. They do not have anyone other than their help desk, no manager or executive is willing to talk to an escalation. Experian acts as though they are unaccountable for the consumer/client to any complaint.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries reporting on my consumer FICO credit report XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I filed a claim of fraud because someone I did not authorize used my card to purchase a rental car on XXXX. I have two cars that Im paying a car note on so renting a car for doesnt even seem logical for me to do especially the day after paying my car note! I called the bank they placed the funds in my accounts then took the money back today XX/XX/2023. I do not have a XXXX account the account could not have been in my name I NEVER authorized this purchase and Im so upset about my account being negative! When my check gets deposited it will take my whole check for something I did not do!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent experian a letter letting them know that XXXX XXXX needs to be removed from my credit report for multiple reasons one I am not the owner of the account that is posted on my account another reason is because its reporting inaccurately across all 3 credit bureaus its already been removed from XXXX and XXXX but Experians is still reporting it and I also let them know that I would be contacting yall if they didnt fix it another account on my credit that I asked them to remove because its not mines and its reporting negatively is XXXX XXXX and one last account is XXXX XXXX XXXX XXXX none of these accounts are mines I didnt authorize nobody to open anything in my name and I let them know in detail that they are not accurate and that I want proof that these accounts belong to me I have not received any proof and they have not tried to help me in any way to get these things off my credit report
Product: Credit card or prepaid card

I've been a Capital One card holder for over 2 years. I have 2 credit cards. I've only received low credit line increases. I've paid over {$25000.00} in payments just in the last 5 months. I feel that the different ways to request an increase are all computer generated. 


There a 3 ways to request a CLI : by phone, on the website & in-app. Each application is different from the other which makes it unclear to know what Capital One is looking for. 

I certified letters to Capital One in hopes that a human could manually review my accounts for reconsideration. Each letter stated sufficient reasons why I believe I should be a good fit & how I would use the funds to further my career expenses over the next couple months. My letters were listed as " General Prefilled Letter ''. Subsequently, a general prefilled letter was placed XXXX the " Statements & Documents '' section of my accounts
Product: Checking or savings account

My line of credit is a variable rate is tied to the federal rate which dropped on XX/XX/XXXX. I called on I think XX/XX/XXXX and was told it may take up to 5 days. Checked again today and no change. I called XXXX, and after a long wait on the phone today ( XX/XX/XXXX ) I never got through to customer service. 

Santander checking Account XXXX ( this is what they ask for to verify ) Line of Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX CELL XXXX EMAIL : XXXX XXXX