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

I opened an Elite Money Market Savings Account with US Bank on XX/XX/23 because they stated that they would pay 4.5 % interest if I had more than XXXX deposited in the account. I had approximately XXXX in a treasury bond mutual fund at XXXX XXXX that was paying about the same amount, and since the savings account was with US Bank, where I also had a checking account, I figured it would be more convenient to just move the money to this savings account and earn approximately the same amount of interest. I had the money in the savings account for approximately 2 months, during which time I verified that I was getting paid interest at 4.5 % on the money. At the end of the third month, I noticed that I was paid less interest, despite having more money in the account and the fed funds rate having been increased during that time. I did some research and determined that I was paid at a 3.45 % rate during the third month ( XXXX ). I checked the terms of the agreement and didn't see anything about the rate decreasing after the first couple of months. I also checked online and determined that the promotion was still active on the US Bank website. I called US Bank and they gave me a variety of explanations about why I wasn't getting the 4.5 %. This included telling me that I didn't sign up for the 4.5 % rate, an explanation which was provably false because I was paid at that rate for the first two months. Eventually they told me that I signed up for the 4.5 % promotion, but that promotion had been ended and an identical promotion had been put in its place. Thus, my promotion ended and the rate decreased, while it appeared as if nothing had changed. They did not provide me with any notice that my rate had changed and instead took these actions in such a way that I believe they were trying to avoid having the consumers notice the change. I told US Bank that I thought this was a deceptive business practice and that I was going to pull my money out of the account and close it. I will put my money back in the mutual fund, where I won't be subject to the fund owner trying to trick me into providing me less interest. I later went into a US Bank branch to move my money out of the savings account and the customer service specialist told me that the 4.5 % rate was still going on and that I didn't have to close it. I explained to her that she was misinformed and that US Bank was cycling people out of the promotional rate and then restarting an identical promotion and that she could check my rate if she didn't believe me. She checked the rate and didn't understand why it wasn't 4.5 %. I told her not to worry about it and to just move the money and close the account. So, even US Bank 's own employees didn't understand the functioning of this financial instrument, or the method by which US Bank is providing customers with less than the advertised 4.5 % rate.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly review the documents? Some of the listed accounts are inaccurately reported.
Product: Credit reporting or other personal consumer reports

I have Inquiries on my report I have no knowledge of requesting to remove all inquiries from report 15 USC 1681 ( b )
Product: Credit reporting or other personal consumer reports

n 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. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestiga
tion under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 sent a letter last XX/XX/2023 to remove this account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., ( Original Creditor : ) XXXX Balance : {$910.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account was put into collections on XX/XX/2019. I have contacted XXXX and they have told me that i have never missed a  payment. It is impossible for me to make a late payment when my paychecks get garnished each pay period. XXXX have told me to do a dispute with XXXX. I have done so four times and they refuse to fix my report saying the information is accurate. I have even sent XXXX proof of payments along with a letter from XXXX stating i have never missed a payment. I have disputed this with XXXX the following dates and each one has said the information is accurate.XX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I contacted XXXX on XX/XX/XXXX and they told me they let XXXX know multiple times that the information is incorrect. How does this go straight to collections without being notified of a 30/60/90 day late payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX. 15 U.S.C 1681 section 602 A.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card

Capital One is obfuscating the current balance due to pay off a credit card account. 

On XX/XX/XXXX, I made a payment for the full amount that was displayed as the current balance for the account. However I received a bill for the next cycle. This bill was for additional interest charges. 

I thought I may have missed something when making the payment so I was about to make a new payment for this bill. But this would not have paid off the account. Thankfully I called Capital One to find out there was a larger amount for the pay-off than the one displayed. This pay-off amount is not displayed in the app or the website ; I could not find it there. There was also no indication that the displayed amount was not the actual complete balance to pay-off the account. 

This is an obfuscation of information that leads a customer to incur additional interest charges.
Product: Checking or savings account

I did a mobile deposit to Wells Fargo on the XXXX of XXXX they released XXXX of it I woke up this morning to being in almost XXXX in overdraft. I called Wells Fargo they said when they presented the check to XXXX  XXXX XXXX they didnt ok the funds to be released. I contacted XXXX they said the check is good on their end and didnt place a hold or refuse it. So Wells Fargo is lying and he saying they will release it in 7 days. Now I have overdraft and charges coming thru. Someone is lying.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF 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 EXIST
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 XXXX XXXX
Product: Mortgage

The monthly payment on my house increased all of the sudden a few years ago ; making it impossible for me to keep current because the monthly payment was too high. I tried to resolve the situation by trying to apply for a loan modification but I was always denied by the creditor. It seems that they rather have an empty house than give me a chance to pay my debt that I defaulted on. Lastly, I was doing a short sale on the property but the bank is not cooperating with me. They always have excuses on not letting me solve the issue on the house.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> XX/XX/year>, XXXX 2024 and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/2019 I notified Citibank that two checks that were written from my account was not cashed by the intended party. I have presented the issue to the lender citing the checks that were presented to be cashed were not endorsed as is done on all other checks. I have offered my sworn affidavit indicating the intended party never received or cashed the checks as evidenced. the banking institution refuses to credit my account with the money requested. It has been one year and three months and I am still waiting for my money to be credited and or reimbursed by Citibank, accordingly. I have been with this bank for seventeen plus years, without incident and they will not review this internal fraud and ultimately refund my money. I have attached proof for reference. the checks in question are as follows check number XXXX in the amount of {$160.00} and check number XXXX in the amount of {$600.00}. My complaints and calls are not being addressed and handled accordingly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXX XXXX account # XXXX on my credit report. The information provided by the three major credit bureaus contains discrepancies that are misleading and damaging to my credit profile. Below are the details of the inconsistencies : High Credit : Experian : {$32000.00} XXXX : {$32000.00} XXXX : {$0.00} Last Active Date : Experian : XXXX XXXX : XXXX XXXX : XXXX Charge-Off Status : Reported as a charge-off by all three bureaus. 
Late Payment Status : Experian : Was 30 Days Late 1 Time, Was 60 Days Late 2 Times, Was 90 Days Late 1 Time. 
XXXX : Was 30 Days Late 1 Time, Was 60 Days Late 2 Times, Was 90 Days Late 21 Times. 
XXXX : No late payment status reported. 

These discrepancies violate my rights under federal law and must be corrected immediately. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to maintain the maximum possible accuracy of the information they report. The conflicting data on high credit, last active dates, and late payment status across the three credit bureaus clearly violates this provision. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) mandates that furnishers of information report accurate data, which has not been done in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The inaccurate reporting of late payments and charge-off status, especially with such significant discrepancies, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inconsistencies may also violate 15 U.S.C. 1692f, which forbids unfair or unconscionable means to collect or attempt to collect a debt.

Metro 2 Compliance Issues : The Metro 2 format, which is the industry standard for credit reporting, requires consistent and accurate reporting of account information. The discrepancies in high credit, last active dates, and payment statuses across the bureaus indicate non-compliance with Metro 2 guidelines, further warranting the removal of this account.

Request for Immediate Action : In light of these violations and non-compliance issues, I am requesting the immediate removal of the XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. Additionally, I request that you provide me with an updated copy of my credit report reflecting this correction.
Product: Mortgage

Mortgage Company is TIAA/XXXX  I have paid off my mortgage and am trying to get a satisfactory letter so I can sell my house. 
On XXXX XXXX received a payoff letter stating a satisfactory letter would be sent to the county. My settlement date was XXXX we,XXXX but was postponed until XXXX XXXX because the title company can not get a copy of the Satisfactory letter. Could someone please tell me is this customary. 
Is there a legal timeframe when such letter should be sent to the county? 
Thank you
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : Account Name : Discover Bank # XXXX XXXX XXXX Account Name : Discover Bank # XXXX XXXX : Account Name : Discover Bank # XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

I have filed a couple other complaints about this companies illegal actions and not notifying me and putting this on my credit report and dont notify me. I file a complaint with Illinios Attorney General as well, which this companies reply to them proves their illegal action as well as false information to this agency saying they did notify me. 
In IQ Data International response to The illinios Attorney General they clearly state I was not notified till XX/XX/2023 and previous letters they say they sent was sent back and I was not given any notification and the opportunity to resolve this before they put this on my credit report XX/XX/2023. See the attached letter they sent clearly stated their letters were returned to them. They reply to this agency several times that I did received correspondence which is clearly false, showing this companies illegal actions and false s statements to this agency.
Product: Checking or savings account

My account was closed without any warning. I visited a branch to seek clarification and guidance on how to keep my account or get my money. I was told I would receive my money and I have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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: Credit reporting or other personal consumer reports

Subject : Urgent Request for Account Deletion Due to Inaccurate Reporting To Whom It May Concern, I am writing to formally request the immediate deletion of the following accounts from my credit report due to inaccurate and potentially illegal reporting practices : 1. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Balance : {$3200.00} Status Updated : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Balance : {$3000.00} Status Updated : XX/XX/XXXX XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt The designation of these accounts as " charged off '' without any verifiable payment history is misleading and may violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : - Section 602 ( a ) : Requires that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. - Section 607 ( b ) : Mandates that if a consumer reporting agency receives a notice of dispute from a consumer, it must conduct a reasonable investigation. - Section 609 ( a ) ( 1 ) : Grants consumers the right to obtain all information in their file at the time of their request, including the sources of the information. Given the absence of payment history and the significant discrepancies in the reporting of these accounts, I urge your office to take immediate action to remove them from all reporting agencies and credit bureaus. I expect written confirmation of the deletion of these accounts within 30 days, as stipulated by the FCRA. Please deliver all communication and confirmation to my email at XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). Additionally, I can be reached by phone at XXXX. Please consider this request with the urgency it deserves, as it directly impacts my financial well-being. I appreciate your prompt attention to this matter. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, EXPERIAN REFUSES TO INVESTIGATE THE DEPT OF EDUCATION/XXXX   ACCOUNT BY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I HAVE SUBMIT COPIES OF MY DRIVER LICENSE, PROOF THAT MY INFORMATION HAS BEEN COMPROMISED ON THE DARK/BLACK WEB, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

Additionally, EXPERIAN reported that " The Company that reported the information has certified to XXXX  that the information is accurate. The item was not changed as a result of our processing of your dispute but when I request proof of the verification/certification  method, EXPERIAN conveniently fails to comply. 

Per FCRA regulations, please delete these accounts immediately!