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

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right of privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end customer credit plan as late for any purpose
Product: Checking or savings account

I applied for three products, at the same time. It is a requirement listed in the account agreement that an interested applicant must be a member in order to be eligible to apply for any other products or services. This fact is pretty consistent in the banking and credit union arena, but what isn't commonplace ( as far as im able to conceptualize ) is why a savings account would be declined based on credit factors, when there are no credit or even debit capabilities other than overdraft protection for a linked checking account. Further, I was interested in applying for a XXXX  checking account, but since that requires an in person application process I began with a free checking account application, along with my initial reason for my visit of an auto loan, as well as the aforementioned savings account. The adverse action notice was written as though my application was for an auto loan and savings, and was declined for both products, which is fine. My concern isn't that i am being denied financial products, the financial industry is designed to make it very difficult for people with less than desirable credit profiles to secure anything worthy of being called credit, that is nothing new for me, going on 8 years of denial notices already in my attempt to climb back up. My concern lies here : What happened to my Checking account application? There is no mention of or inkling showing any sign that I even applied, but I definitely did, because ( as per the terms of the credit unions requirements for membership ), it was required in order for me to apply for an auto loan. Were the documents ignored, or misplaced? Either way I feel taken aback, confused about the adverse action notice for a savings account, and concerned that my personal information was misplaced, hacked, stolen, or deleted without my knowledge.
Product: Mortgage

I was contacted by phone by my current Mortgage Lender indicating that they wanted to offer me a lower interest rate, which they said would reduce my current payment with no out of pocket additional cost to me. I was making my mortgage payment and paying an additional ( approx ) escrow payment of {$410.00} on a monthly basis. This additional payment led to about approx {$4500.00} being in the escrow account at the time that the Mortgage Lender called me. My home is a new construction, and XXXX will be the first year that the land and home have been appraised. At my original closing XXXX XXXX XXXX XXXX, it was suggested that I put in extra money in my escrow account to make up for the short-fall that would occur when my XXXX taxes would be due. During our conversations ( which are all recorded by the mortgage lender ) we discussed what would happen to the accumulated escrowed additional monies that we had XXXX the {$4500.00} XXXX - and we were told that we would either receive a check for those funds, or that the escrow would be rolled over to the new escrow account. At NO TIME EVER was any mention made that the escrow funds would be used to pay down the current mortgage principal ( thereby making the principal lower so that they could fraudulently tell us that they could " lower '' our payments ). After closing on the new loan, and us calling them ( prior to the three days " cooling off '' period ) - we inquired about what happened to our {$4500.00} escrowed monies, we were told that we had to call back to discuss this AFTER the new loan was processed and the cooling off period was expired. Once we were able to talk to an agent, XXXX XXXX XXXX XXXX, we were told that our escrowed funds of {$4500.00} was used to pay the closing costs on the loan and the remainder applied to the principal reduction, and we would receive a check for {$44.00}. We have made numerous attempts to contact the company to resolve this to no avail and they have not returned our calls. Had we been informed that our escrowed money ( that was earmarked for the XXXX property taxes ) would actually be used for closing costs and principal reduction - we would NEVER have agreed to refinance our mortgage loan. Our monthly payments ( to make up for this now shortfall of funds for our taxes ) will now increase our monthly payments by about {$600.00} a month. We were deceived by their dishonest practices.
Product: Consumer Loan

So my car was repossessed from Fifth Third Bank. They said I need to pay {$660.00} because of a late payment in XXXX 2016. I look back and that was when I had a deferment because my husband was out of work. They told me to fill out a letter and send it in. I have proof that I sent the email in and signed it. They told me there would be an extra monthly payment added on to the loan. Now XXXX XXXX, 2016 my car was repossessed and I had no idea why my car payment was sent through mail a little over a week before ( because they said I am not eligible for the online payment ). I called confused and they said once your payments go through then we can give you the release form. Then my husband called and they said we owed XXXX in repossession fees ( including the 2 payments of XXXX on there way ) I was confused to why it was that much when my car payments are {$280.00} per month and {$290.00} when they are late. So I called again to try and understand where this money came from and they said it was from XX/XX/XXXX when we missed a payment. That 's when I explained that was our month of deferment. She then tells me it was n't approved. I explained how I would be told if there were any problems with the deferment process that she would contact me. The representative then told me we were contacted multiple times and left voicemails. I then asked what phone number they have been calling and she gives me numbers that do n't even have the same area code as me. I know they have my phone number and my husband 's on file because that is how I verified my account. On top of that they have my mailing address. She then puts me on hold so she can talk to her supervisor. They are now giving me a deferment for XX/XX/XXXX and adding repo fees to XX/XX/XXXX and XX/XX/XXXX but I still have to XXXX XXXX the {$660.00}. I just feel like I should n't even be in this position right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, there are inaccurate items reporting on my EQUIFAX credit profile. I am asking that CFPB investigate Equifax for failure to protect my consumer rights. Equifax 's actions are clearly illegal as described in the information listed below. 

How can Equifax state that it has completed its investigation, including contacting the furnisher of the information, where applicable, and not provide me the exact details of their communication and validation information received? 

A summary of the discrepancies listed on my Equifax credit report are listed below : Trade : XXXX XXXX XXXX - balance {$13000.00} EQUIFAX states that this information was verified and belongs to me. EQUIFAX also states it verified the information is reported correctly. How is it possible that EQUIFAX missed the double reporting of debt on my credit profile? There is a collection account on my credit report listed by XXXX XXXX XXXX for {$10000.00} listing the original creditor name as XXXX XXXX XXXX. The XXXX XXXX XXXX account states it was opened on XX/XX/XXXX. The XXXX XXXX XXXX Payment history lists their account as " late '' during the months of XXXX XXXX. The XXXX XXXX XXXX account lists the responsibility as an individual account while XXXX XXXXXXXX XXXX lists the responsibility as a joint account. 
Once again, how is it possible that EQUIFAX reviewed my credit report and investigated my concerns, and completely overlooked this major issue? According to fair reporting practices, if the original creditor sold the debt to a collection agency, it should not continue to report a balance owed. PLEASE DELETE THE ALIVE CREDIT UNION INFORMATION AND PROFESSIONAL DEBT INFORMATION AS THEY BOTH ARE NOT ACCURATELY REPORTED ON MY EQUIFAX CREDIT REPORT. 

NOT AUTHORIZED INQUIRIES : PLEASE DELETE! 
Inquiry : XXXX - XX/XX/XXXX Inquiry : FACTUAL DATA - XX/XX/XXXX Inquiry : XXXX  - XX/XX/XXXX Inquiry : XXXX XXXX - XX/XX/XXXX Inquiry : XXXX XXXX, XXXX - XX/XX/XXXX NON REPORTING DISPUTES Trade : XXXX XXXX  THE DISPUTED ITEM IS CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE.
Product: Checking or savings account

My bank account had fraudulent charges made on XX/XX/XXXX they were pending when my bank contacted me via email. I told my bank while they were still pending to stop the charges my bank didn't they just started an investigation on these 12 charges to some XXXX XXXX. I filed a police report. I told my bank I file a police report. I took all my other money out of the account. I have a paper stating my bank gave me temporary credit while investigating but after I used some of it to pay my XXXX XXXX credit card tcf took the payment back and then charged me fees 2 times. They also want to leave the investigation open until XX/XX/XXXX. This is unacceptable my bank is tcf. They did not protect my money.
Product: Credit card

My identity was stolen and was used to open a business credit card at Truist bank. I have reasons to believe the imposters used fake identification documents at a physical Truist bank location in XXXX XXXX to open this account. There is a hard inquiry from Truist bank on my credit report placed on XX/XX/year> which is unauthorized. I have contacted Truist bank twice ( on XX/XX/year> and on XX/XX/year>, Case ID XXXX ) requesting closure and confirmation of closure of this fraudulent account. They confirmed the existence of this unauthorized business account but have not been able to provide me with confirmation of closure. 
I have taken measures and filed a police report with XXXX XXXX PD ( PA ) and XXXX XXXX XXXX ( VA ). I have reported the fraudulent business ( XXXX XXXX XXXX XXXX XXXX entity ID XXXX, registered in VA ) to the Virginia attorney general 's office and state corporation commissioner 's clerk. I have frozen my credit report across all 3 credit bureaus and placed fraud alert. Per FTC 's identity theft guideline I need confirmation from Truist bank that the fraudulent account has been closed and to acknowledge that this account does not belong to me. Truist bank has not been able to provide such confirmation in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto shows I have an account that I have no knowledge of and Id would like it removed as it violates the fair credit reporting act. I also believe this could be a result of fraud so I file an FTC report with the Federal Trade Commission. 

Account : XXXX Account status : Closed Account Type : Installment Loan Payment Status : Current Balance : {$0.00} Date Opened : XX/XX/2016
Product: Checking or savings account

Cashier's check from a local credit union in XXXX AZ was deposited on the evening of XXXX XXXX via ATM at Bank of America in XXXX, AZ. The bank sent a notification via email stating funds would be available for withdrawal on XXXX XXXX XXXX XXXX XXXX XXXX.  The funds were not made available and after contacting Bank of America they stated funds would be available on XXXX XXXX XXXX  I asked why the notification would state XXXX XXXX and they advised it was a mistake.  The item in question is a cashier's check.  Funds have not been made available and no other notifications have been received.  The bank will not honor theirfunds availability notification we received.  Federal regulations state that cashier's check money should be made available to the depositor.  Regulation CC (12 CFR 229) implements two lawsthe Expedited Funds Availability Act (EFA Act), which was enacted in XXXX XXXX  and became effective in XXXX XXXX, and the Check Clearing for the 21st Century Act (Check
21), which was enacted in XXXX XXXX and became effective on XXXX XXXXXXXX XXXX. The regulation sets forth the requirements that depository institutions make funds deposited into transaction accounts available according to specified time
schedules and that they disclose their funds
availability policies to their customers. It also
establishes rules designed to speed the collection
and return of unpaid checks and describes requirements that affect banks that create or receive substitute checks, including requirements related
to consumer disclosures and expedited recredit
procedures.
Regulation CC contains four subparts. The first
three implement the EFA Act, and the fourth
implements Check 21. Specifically,
 Subpart ADefines terms and provides for
administrative enforcement
 Subpart BSpecifies availability schedules, or
time frames within which banks must make funds
available for withdrawal; also includes rules
concerning exceptions to the schedules, disclosure of funds availability policies, and payment of interest.

After speaking to multiple supervisors (XXXX XXXX XXXX XXXX and a few others, and pending close to three hours on the phone, the bank representatives 3 of which are supervisors could not provide an explanation as to the delay of funds and said nothing more could be done.  The funds would be available on XXXX XXXX.  I asked to speak to their legal counsel or compliance department and they said they did not have a department available to them and we were done with the call.
Product: Payday loan, title loan, or personal loan

I applied for a {$3200.00} loan we could loan me last year due to my good credit FICO XXXX I was approved. the loan officer was  harassing me everyday that I must take out XXXX XXXX that would be better for me. the distribution of XXXX was such that they paid off my One credit card for XXXX what's the interest rate was only 9 % in the balance was put into my checking account at XXXX XXXX. during the approval process I was asked to send a voided check with my ID to the loan officer but she never disclosed to me that without my authorization or knowledge she set me up for automatic withdraw from my XXXX XXXX checking account fraudulently. on the second month I called XXXX XXXX to put a stop payment on that withdrawn since it was not authorized by me. due to the monthly payment being changed loan me  again was able to take out money from my XXXX XXXX account without my authorization. from the day I got that loan I get harassing phone calls on daily basis from their call center non-stop switching their phone number two different numbers and calling what are the payment is due or not. since last year I've been asking the representative to send me my loan disclosures that tells me what my interest rate is and what my balance is and they say yes we will send it to you but as of XX/XX/2019 I have not seen anything in the mail. I am providing you with a copy of the monthly statement that they sent in the mail it does not say the interest rate the balance or anything all it says is how much to pay which is predatory. I am not able to pay XXXX a month it is unknown number. I will file a lawsuit against loan me if for any reason they start calling my friends my relatives or anyone that I am associated with pretending to look for me. 
loanme  is fully aware that I am unemployed at this moment but yet I have been paying their monthly payment since last year. it is affecting my health in my well-being and I worry every night about this loan. I wanted to report this earlier but my brother-in-law passed away and I was busy taking care of him so I had no time to deal with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to an open account on XX/XX/2022 and XX/XX/2022 with my personal information and it wasnt me. It was identity theft and fraud. Ive contacted the credit bureaus, and I put a freeze on my credit. Ive also contacted identifytheft.gov. My next step is to get a police report.
Product: Money transfer, virtual currency, or money service

Paypal paid a fraudulent seller on XXXX using a XXXX tracking number that clearly was not sent to me. It was delivered to the " receiver '' and signed for by XXXX. Clearly not a residential address. Paypal did not investigate this and sided with the fraudulent seller in their case dispute resulution. XXXX did send me an email warning that the seller 's account had been accessed by an unauthorized party. Any reasonable person could tell this was clearly fraud yet Paypal would not rectify this and as a result, I am out over {$250.00}. I called XXXX and confirmed that the tracking number used was not sent to me and asked Paypal to confirm. They failed to do anything. It is called the Paypal XXXX scam on the internet. Crooks pay for bogus XXXX tracking numbers sometimes even delivered before a purchase. XXXX accepts any tracking number and sides with the fraudulent seller every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I CALLED EXPERIAN TO DISCUSS A NEGATIVE ACCOUNT FROM STATE OF MD XXXX XXXX XXXX  XXXX. THIS WAS DISPUTED IN XX/XX/XXXX AND THE OUTCOME WAS IT WAS REMOVED BY XX/XX/XXXX.THE CREDIT BUREAU REFUSED TO HELP ME AND SAID IT HAD TO BE RE DISPUTED AND NO REMOVAL OF ANY KIND WAS DONE ON THEIR END. I HAVE THE REPORT WITH THE DISPUTE ON MY CREDIT REPORT I WILL FORWARD IN A PDF FILE. AND I ALSO HAVE THE REPORT WITH THE REMOVAL IN PDF. I PAY MONTHLY FOR MY FICO AND NOTICED ON XXXX/XXXX/XXXX REPORT EXPERIAN ADDED A DELETED ACCOUNT BACK WITHOUT SENDING ME THE 5 DAY INSERTION LETTER. I DISCUSSED THIS WITH XXXX AT EXPERIAN ON XX/XX/XXXX AFTER SEVERAL ATTEMPTS TO DISPUTE ONLINE FAILED. HE REFUSED TO DEAL WITH THE ISSUE AND AFTER READING THE VIOLATION HE REFUSED TO ACCOUNT FOR THE STATUS AND ENDED THE CALL. I HAVE ALSO SENT A 5 DAY REINSERTION LETTER TO EXPERIAN. I HAVE ALSO INCLUDED THE VIOLATION THEY VIOLATED 15 u.s. Code 1681i-FCRA 611 ( a ) ( 5 ) ( B ) ( ii )
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that someone has access to the Experian Website on my behalf. Experian doesn't have a live person that I can speak to. I can not get into my account because their system can not verify my identity. They can not verify my identity because it has been compromised. Can someone please contact me so I can get into my Experian account to stop this Fraud from happening.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information on my credit reports with Experian, XXXX, and XXXX by sending dispute letters with supporting documentation on [ XXXX XXXX,2024 ]. Despite their legal obligation to investigate and correct errors, the disputed items remain unchanged, and no proper resolution has been provided. These credit bureaus are currently being sued for similar violations, including failing to investigate and correct inaccurate information, which further supports my complaint.
Product: Checking or savings account

I have banked with Truist ( formerly Suntrust, formerly XXXX, formerly XXXX XXXX ) for more than 40 years. I now deposit a rent payment from a major company ( into a personal account ) every month on or about the 1st. It is always for the same amount. This month ( XX/XX/2022 ) Truist put a hold on part of the funds for a week. In 40 years I have never had a bad deposit nor an overdraft. Why was ( are they ) Truist allowed to do this?
Product: Checking or savings account

Paid my rent {$2300.00} on XXXX/2023 ( sunday ). On XX/XX//2023 my ending balance was {$2400.00}. 2 transactions were made on XXXXXXXX2023  ( XXXX - {$6.00} at gas station & 2 - {$40.00} to XXXX ). Per my online and banking statement my rent payment of {$2300.00} was removed on XXXX/2023 leaving me a balance on XX/XX/2023 of {$260.00}. With that balance I repaid a debt via XXXXXXXX XXXX of {$200.00} on on XX/XX//2023 and made a purchase of {$24.00} on XX/XX/2023. 

So to my surprise this morning ( XX/XX/2023 ) I get a return payment notification from Firth Third bank saying that they returned my rent payment of {$2300.00}. I contacted customer service and a manager told me that " technically '' the payment did clear on XX/XX/2023, but the purchases of {$24.00} ( made on XXXX/XXXX/2023 ) and {$40.00} ( made on XXXX/XXXX/2023 ) came out first making my account negative so they returned the payment. 

How is a family suppose to manage their finances like this. I get email and text notifications and check my online account multiple times daily and there seems to be no way to avoid these issues and then fees. So now I have to pay a return payment fee, a late payment fee, and drive across town to pay my rent with a money order all because of this mess. I am not confident in banks in America now.