23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023, I made a deposit into my Fulton Bank account and they told me it would be a pending hold for about 48 hours maximum. Then when I go in today, they tell me it has been frozen for fraudulent activity. I'm very confused, and they give me the department number to talk to. I wait 20 minutes to speak to the lady just for her to verify my information and not know what's going on. She didn't see any listed reason on why the money was flagged as fraudulent. It was a deposit from my XXXX. The first is coming up and they're doing XXXX stuff like this. This is very inconsiderate. I also was told by her to go inside and ask the manager to expedite it, so that I can receive my money. He refused and also couldn't even answer my question, " Is this going to be an ongoing issue banking here? ". Very unprofessional response and I'm highly disappointed. I like this bank and am frustrated on how they've handled it. I'm making this complaint to show others you're not alone and that prevailing is the only option by any means necessary. Stay strong. I know I will.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Experian allowing fraudulent information to remain on my file. I have presented legal documents such as ; police report, FTC identity theft report, .theft affidavit etc. I have ask for sign documents from creditors with my signature..They have not presented me with any proof that the following items contained in my credit report are in fact belongs to me ( XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) ..Experian have not done investigation as described in the FCRA involving identity theft..Someone have opened accounts perpetrating my identity, for several years I have tried to resolve this unfortunate incident with Experian.I was advised to put consumer statements on my file..However, this does not fix my issue..When trying to purchase a house for me and family ... A consumer statement on my file does not help..I need Experian to properly investigate these accounts or remove them permanently from my credit file..I demand proof such as, documents with my signature from creditors..Consumer 's have an unfair advantage when it comes to disputing information contained in there file, particularly fraudulent items..Contacting creditors and verifying information match what they have on file, is not an investigations described in the FCRA.. Credit bureaus have been getting away with falsely investigating disputes..Something needs to be done in reference to credit bureaus not investigating consumers reports..I am reaching out to CFPB to make people aware of how Experian does not investigate information properly and to have the foremention accounts removed from my credit file..Thank you for your time and attention in regards to this matter.
Product: Credit card or prepaid card

I obtained a Smile Generation credit card from Comenity Bank about 5 years ago which has been, maybe 6.I became concerned when I reviewed my statement, and discovered that % 50 of my payment, was going toward interest, and % 50 to principal.I knew this was wrong, so I contacted them and question about this  consistent pattern.It does not make sense, the contract does indicate this, and if it had I would not have accepted it.I was not given a reasonable explanation.I asked for a copy of my beginning balance, and was told we don't have one, in our system, it is stored away in our warehouse.I have been paying on this bill for years, and don't know what the beginning balance was.I lost my copy, and they will not supply me with one.Comenity also changed the interest rate, to what I don't know, because as indicated it has always been % 50 on my bill.It is taking years to pay this bill, if I pay more than the billed amount, they still apply % 50 to interest.I contacted the XXXX  in their area, asking them for my payment history, and a copy of the original billed amount from XXXX XXXX , they didn't comply, they said they would within 30 days.These people are scamming me, and I want it stopped.Their refusal to supply with my billing history, and payments, including the original billed amount is evident they are deceptive in doing business.
Product: Credit reporting

Credit reporting agency will not remove paid tax lien from credit report even though documentation states that it is " paid, satisfied, and cancelled from the record. ''
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an incorrect credit report information but I still have items left that needed to be removed. This is my new letter that I am a victim of mistaken credit reporting and I write to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an inaccurate credit reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXXXXXX apparent amount of XXXX re : account # XXXX ( from equifax credit report as obtained on XX/XX/2018 Credit reporting Agencies : XXXX  and equifax Date Credit reports Ran XX/XX/2018 ( XXXX  ) and XX/XX/18 Called XXXX  XXXX XXXX, no information given other than the account not belonging to me. 
The {$15000.00} from XXXX XXXX XXXX does not belong to me ( new and just starting to build credit ). XXXX XXXX thru inaccurate reporting to XXXX  and equifax caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Thief. According to 15 usc 1681b ( 2 ), permissible purposes of consumer reports. It states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. I have never authorize XXXX, XXXX or Equifax to furnish my credit report. I never provided hand written instructions to place accounts on my credit report. It has harm my livelihood and I am living an honorable life. This is all erroneous, fraud, and incorrect. According to the fair credit reporting act ( fcra ), XXXX is to honor my request and block from furnishing my credit report, XXXX. XXXX XXXX ( opened XX/XX/XXXX ), XXXX remove late fees on comenitycb/zales ( opened XX/XX/XXXX ), XXXX. XXXX XXXX XXXX ( account opened ( XX/XX/XXXX ), XXXX. XXXX XXXX XXXX  ( opened XX/XX/XXXX ). I never authorized and or gave XXXX or any of these companies any hand written instructions to furnish my credit report. 
Equifax is to honor my request and block from furnishing my credit report, XXXX remove my late fees on the account comenitycapital/zales. I have made complete payment with them but I have never provided hand written instructions to the company nor to Equifax to furnish my credit report. PLEASE REMOVE THAT! 
XXXX is providing fraud, erroneous and incorrect information. I did not provide them hand written instructions and according to 15usc 1681b ( 2 ), I did not contact XXXX, XXXX or Equifax and provide handwritten instructions to furnish my credit report. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Product: Consumer Loan

I received a solicitation from open road lending XXXX/XXXX/2016 for refinance applied for a refinance and was so called approved for refinance and interest rate@13.64 percent XXXX a month the company had me fax over all documents needed for funding to submit to the so called investor which is XXXX. Spoke to XXXX at XXXX after this so called approval and went through a so called phone interview confirming all of my employment resident info etc .... interest rate 1st payment date recorded affirmation agreeing to the terms of the new loan. He advised it would take a few days to complete the refinance and if there were any additional questions he would contact me. Received a letter in the mail from XXXX advising I did n't qualify for a refinance at this time after they verified my credit. 1. I received a so called approval from open road lending who failed to also disclose this information and 2. I did not give permission for XXXX to pull my credit report. I had my credit pulled and was told the approval expired 30-days from XXXX/XXXX/2016 which was about XXXX/XXXX/2016 this company has completely mislead me as a consumer and I want this resolved and want to know why this was not disclosed and even after applying for the refinance it 's like it was a fake approval. I also will be consulting counsel on this one this is not okay.
Product: Student loan

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with FMXXXX || FMLOAN XXXXXXXX  which I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of FMXXXX || FMLOAN XXXX. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Debt collection

On XX/XX/XXXX our daughter got in a fender bender and her husband had no insurance on his car. This resulted in them owing XXXX dollars for the claim. Negotiated with XXXX and agreed to max out my credit card and payed XXXX owed for the claim which they agreed to take as paid in full, telling us that this would settle the claim, this was negotiated on XX/XX/XXXX. We have paperwork to that effect. I asked that the send proof of the claim and the amount as witnesses and daughter said there was no visible damage to her car. In good faith we had thought the matter was resolved and have a receipt to that effect. Now in XXXX people are calling on behalf of XXXX saying we owe another XXXX dollars and that it wasn't them but XXXX insurance that wanted the additional XXXX dollars. The persons calling have been threatening to take our daughters license and using fear tactics to intimidate us into paying more money. This is frightening to me as I have excellent credit in the XXXX 's and I don't want them to ruin it by their deceptive dealings with honest people who made a mistake and are learning from it. I then called XXXX XXXX the claims XXXX with XXXX who has this case and she said that the case has been closed and no money is owed and to refer XXXX to her. Upon hearing this I believe I am being duped and scammed and not dealing with a reputable company and have disputed the charge of XXXX with my credit card company. When we tried to pay the credit card was declined because the company is a scam but I naively believed XXXX that it was legit. I am hopeful that the United States Government will help me not let bully companies like this run over people who can least afford it. XXXX is ruthless and bullying me into paying an additional XXXX dollars that I do not owe. Please help me not let them get away with this. The harrassment and deceit and mean spirited people they have working there are on a power trip. I would have been XXXX of those people who would not have believed that these things happen if not for experiencing it for myself. I said I was going to file a complaint and they said go ahead that the CFPB would not help me. I hope that is not true. I have asked for the recording of the call on XX/XX/XXXX where I was assured that this would resolve the case over and over again, that has not been given or any proof of the damages to the other car, which XXXX said they would send. They are bullying people who XXXX least afford it who have made a mistake and XXXX thinks that gives them the right to trat people disrespectfully. It doesn't, and XXXX doesn't believe that you will help me. Please don't let that be true. Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' DEPT OF EDXXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' DEPT OF EDXXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, DEPT OF EDXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a secondary complaint to complaint # XXXX in regards to Transunion 's procedure in case of disputed accuracy in accordance with 15 USC 1681i . I have repeatedly sent notices and documentation to Transunion proving these alleged collection accounts are inaccurate. The most recent round of letters sent XX/XX/2023 went to all three bureaus which included a demand to delete the inaccurate accounts and update my personal information, a copy of my driver 's license with my up to date personal address, a copy of my current utility bill, and a copy of the police report. I meticulously separated each document to make sure all three bureaus had exact copies of all documents. Transunion responded that they did not receive the enclosed police report and is continuing to report the inaccurate accounts, which they previously closed and reopened at their own discretion. XXXX and XXXX immediately deleted the inaccurate accounts and placed a fraud alert, which went out to all three bureaus including Transunion. Transunion 's response was to continue to harrass me for more information instead of performing a reasonable investigation, in which I sent out another recent letter requesting for them to explain in detail the method they used to verify the information they keep reporting as accurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ date of first dispute ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a 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.
Product: Mortgage

I have had one payment past 30 days and it was reported on my credit, I had previously called to inform them of my situation and I have never been past the 30 days before, I feel they should remove it from my credit. My loan is with Wells Fargo, and I have had multiple loans with them and have always paid in a timely manner and that should be taken into consideration.
Product: Credit card or prepaid card

On XX/XX/2019 I visited XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, IL. I was assisted by the XXXX, General Manager, of that location. I purchased a display piece with required XXXX to provide a purchase price which was {$120.00} before tax and {$130.00} after taxes. I attempted to use my XXXX credit card and was told that the transaction was unable to be processed, which was unacceptably odd seeing how I was approved for {$4300.00} only few days prior. At that point I provided my XXXX and completed the transaction. Once I received my statement from the XXXX XXXX the following month the charge for {$130.00} was on the statement. I phoned and spoke with XXXX at the XXXX which I purchased the display from and I was told that I would receive and check for the {$130.00} in 3-4 business days. After two weeks of waiting I phoned and I was told to call Comenity Bank twice, and I was told to send in receipts and letter explaining the issue. I sent letter and receipts to no avail. At this point I'm thoroughly convinced that The XXXX and Comenity are refusing to refund the {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the account listed below in accordance with the FCRA section 605B and FDCPA. Under section 605B of the FCRA it states that this credit card should be permanently deleted from my credit profile within 4 business days because it was opened fraudulently. I have attached the FTC Complaint to this file. 

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

I entered into a written settlement agreement with XXXX and satisfied the terms of the settlement agreement. The settlement agreement ( copy attached along with other correspondence ) clearly specifies that XXXX " shall notify the credit reporting agencies that it reports to that Borrower 's account has been settled in full ''. 

XXXX is instead reporting my account as " settled for less than the full balance '' which is considered a derogatory account on my credit. 

I have exchanged numerous emails with XXXX XXXX  XXXX is now claiming when a settlement is completed, there is only one credit reporting update that is sent to the credit bureaus which states the loan has been settled. The credit bureaus display this reporting as settled less than the full balance. 

This not what is stated in the written settlement agreement. If this was the case then XXXX should have disclosed the following language in the settlement agreement : " You confirm your understanding that the XXXXredit reporting agency will reflect your account as " settled for less than the full balance ''.

This significantly impacted my credit score and has delayed me refinancing my home and rates have increase by 1.5 % since this was reported in XXXX. 

This needs to be brought to light as there are likely hundreds of folks like me who have been misled.