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

I opened a Simply Checking and Statement Savings account at Fulton Bank end of XX/XX/2020. 
At that time, there was a {$200.00} bonus offer is for a new personal Checking account with direct deposits. 
The Statement Savings account also had a bonus of {$120.00} with a {$1000.00} deposit. 

After a wait of more than an hour, I had spoken to XXXX from XXXX County bank on XXXX. He had confirmed repeatedly that my accounts were registered for the promotions. Only after that confirmation, I had transferred funds into the account. I had asked the web reps several times to review the call records. 

I met all the requirements in XX/XX/2020, but never received a bonus on either account. 

Banks like these should not be allowed to operate with their fraudulent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint to EXPERIAN. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing
Product: Credit card or prepaid card

Unexpectedly, in XXXX of 2023, instead of adding interest to my account each month, Citi Financial charged more than XXXX dollars in interest putting me XXXX over the limit. It then charged our family bank account XXXX dollars to cover the penalty with no warning. I was not anticipating going from XXXX dollars payments per month to XXXX nor having XXXX dollars interest over the credit limit slapped on in one month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. first my information was exposed in a mass data breach by XXXX and XXXX. Then my car was broken into and my social security card and id was stolen which led to someone opening up bank accounts, credit cards, loan accounts and other account types without my knowledge. I have contacted this bureau to notify them of this and I have sent in the proper documentation. I have the right under the us code 1681 and the XXXX XXXX to have this information removed, suppressed, and permanently blocked from my credit report and consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, 15 USC 1681b Permissible purposes of report ... ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. 

Remove XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX Bankruptcy XXXX  XXXX Bankruptcy 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Consumer Loan

To Whom It May Concern, We really need some help. We had a high interest loan through Honda Finacical since 2010 on a 2010 XXXX XXXX We recently traded in the vehicle to XXXX as they agreed to payoff the rest of the loan. We notified Honda of this the very next day after signing the contract with XXXX. The XXXX dealer needed the exact payoff amount and tried to call Honda Financial multiple times. They refused to give the info. to XXXX. I then called Honda Financial back who told me that if XXXX did n't make the payment right away they were going to mark us 30 days late on our credit. I told them we did n't have nor own the car anymore. I had a contract, paperwork, I could send to them. They did n't care. I asked them numerous times to contact XXXX to verify what I was telling them. They took XXXX 's info. but according to XXXX, did n't contact them. XXXX said they had consistent problems when dealing with Honda Financial and this was n't anything new. I ca n't tell you how many times we tried to contact Honda Financial. At XXXX point we spoke to a customer service rep named " XXXX '' who refused to give her last name. We then spoke to a supervisor named XXXX who did n't seem to care but told me I could fax her paperwork to prove that the dealer purchased the Honda. I faxed the paperwork but never heard a thing. Honda was determined to mark our credit 30 days late ( a mark WE NEVER HAD in 5 years of financing the vehicle! ) I think possibly they wanted to continue to charge interest? Finally after many days of going back and forth XXXX was able to payoff the entire loan. But not until more interest accrued and our credit was marked 30 days late! Why do n't these financial institutions care about people? My wife leased an XXXX last year ( through Honda Financial ) and is now hating it because of the way that Honda treated us. We are trying to purchase a home for our family and then negative mark on our credit is actually hurting that dream! XXXX wanted the payoff amount and Honda made it so difficult to obtain the info. We have documentation to prove that we signed the contract with XXXX to purchase the Honda BEFORE being 30 days late on a payment. Honda accrued more interest from making it hard to payoff this car but what did they gain from marking our credit report? Why did n't they want to help has after ( and continuing to be ) loyal customers for so many years?? Again, I would like to make it clear that XXXX was attempting to pay Honda on time so our credit would n't be marked with a late payment. Honda made this impossible and was not cooperative.
Product: Debt collection

I have disputed this debt for months directly with the creditor and all three credit bureaus. This debt does not belong to me and a result of me being homeless in California. This is affecting my life and all they provide is contracts with signatures that don't belong to me. 

When you rent an apartment you must provide check stubs, photo ID, and bank statements. They have yet been able to provide me with any of them.
Product: Mortgage

I am the Administrator of my father 's estate -- he died on XX/XX/XXXX, and my father was the mortgagee/account holder with UWM. Ever since his death, communication with this mortgage company has been beyond terrible. I submitted all requested documents with their Successor-In-Interest Dept. ( SII ) to include his death certificate, Letters of Administration as issued by the Court, all of the kids birth certificates and a copy of my I.D . and I received a letter on XX/XX/XXXX, stating they received all documents and their system is updated. However, thereafter when I call, sometimes they recognize me as the SII and sometimes they don't. Some agents say I am in the system and some say I am not. This is VERY inconvenient not to mention unprofessional and frustrating. About one week ago, I received a message to call XXXX XXXX XXXX XXXX XXXX XXXX. She called my Sister and advised my Sister she would only talk to me which means she knows I am the SII at UWM for this account. When I tried to return the call to this number, the agent that answered said they could not put me through because I was not listed anywhere in their system and they wouldn't even give XXXX XXXX the message that I called. It is hard to handle the business on this account. And now, because of the derelict and negligent way that UWM has handled communication on this house over the past year, the house has lost almost {$100000.00} in value and we have lost opportunities to sell the house. I at least wanted to get enough for the bank to pay the mortgage off and hopefully there would be something left over for the kids but now there may not even be enough value to pay the bank the full mortgage. I need someone at the company who knows what is going on and how to fix this to get involved. One hand doesn't know what the other is doing and it has made the situation with this account worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX file dispute with each credit report agency XXXX, Equixfax and XXXX. I reached out to them because of inaccurate information that is being reported. I had a account with XXXX consumer which was open on XXXX XXXX I have suffered a lot with that company they increased the payment that I should be paying each month when the account wass open without informing me and then covid came in I lost my income due to an injury the account was not in a charge off state and it closed XX/XX/2021 but I have noticed that the credit agency 's keep reporting it as Charge off even though the account was closed and that is illegal according to the FCRA 623 provisions. 

The dispute was completed and the only thing XXXX did was update the information after I requested it to be deleted from my report. 

If you take a look at the attached information on my credit you will see that information is on my credit but no payment history on XXXX but have a charge off the information is not reported accurately and I need it removed that's utterly ridiculous and it's causing confusion. 

According to the FCRA Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation 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. 


After the investigation has been completed and the account removed from my credit I would like for each XXXX, Equixfax and XXXX to send me an updated report of my credit after the investigation has been complete.
Product: Credit reporting

I would like to get a state tax lien removed off my credit report, it has been satisfied for years and is stopping me from getting loans and credit in my name..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claim they verified this Accounts below XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask Experian to remove this account due undocumented proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX  XXXX, CA XXXX, XXXX CO XXXX Date Opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : $ XXXX, XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove the account ( XXXX XXXX Account number XXXX XXXX account. {$4.00}, XXXX past due as of XXXX ) from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated. I have also attached to this complain XXXX investigation results which resulted in deletion of said account.
Product: Credit reporting or other personal consumer reports

I notice there is an incorrect data on my credit profile. As such, it is a very serious error in reporting. I reached out to all three credit bureaus XXXX, Experian, and XXXX to dispute erroneous reports provided by XXXX XXXX XXXX XXXXe. All 3 returned as validated but provide no evidence after a re-investigation. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to validate this information Therefore, I need the following information from you : The amount you claim the Principal owes you. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule If you can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report. 


XXXX XXXX XXXX XXXX contains the following errors and more on these respective CRA report. 

XXXX : report shows charge off XX/XX/XXXX but continued late payments following. Reports list account as joint. Other missing and incomplete data. 

XXXX : shows incomplete data dating back to XXXX. Term duration listed as 9 months. Other missing data Experian shows history to XXXX. Experian Reports account as joint with XXXX XXXX. Account charged off. {$17000.00} written off. {$26000.00}. Other missing or innaccurate data. Experian claims to have reinvestigate, but no other documentation or information was ever produced. 

Additionally, I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to : XXXX XXXX XXXX. XXXX, XXXX XXXX According to the provisions of XXXX ( 15 USC 1681j ), there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Score dropped 48 points over night without any changes I initiated to my credit file. 

Upon receiving the notification about my score drop from my free credit score apps, I immediately filed a dispute. This was XX/XX/2020. I also contacted Equifax directly via phone immediately after filing my dispute because I was unable to upload supporting documents on their website. A representative informed me I had to fax any information to update my credit file. I then faxed over an official statement from my lender stating the status of the closed account. I promptly faxed them the document with a cover letter that included my dispute number. I also included a letter of intent stating this reporting error caused me financial hardship and that I was filing a written complaint. I received an email on XX/XX/XXXX that my REINVESTIGATION has started from an non-reply email. When did the original investigation take place? What was the result? Was my complaint received? No email to respond to about my issue. On XX/XX/XXXX, I received a notification from my free credit reporting apps that my name had been updated, seemingly for no reason or purpose. Its now XX/XX/2020 and I have not received any notification from Equifax regarding my initial dispute or an acknowledgment that I filed an official complaint with the company. During this time, my Equifax credit score has not changed. Meanwhile, my XXXX  and XXXX  scores both increased because I have been working for years to repair my credit. 

Equifax not only failed to provide me notice of dispute within 30 days, they have not changed their error. Both of these matters are grounds for a lawsuit. I am trying to purchase a home and need my credit scores to be accurate for pre-approval. There has been no acknowledgement of wrongdoing or that I have filed a complaint from Equifax. I am emailing this message to the only email I can find for them hoping to get this issue solved.
Product: Checking or savings account

Received a call from Chase Bank on XX/XX/31 regarding possible fraudulent transactions that they caught. I told them that those transactions were not me and they marked them as fraudulent. I was told by the worker that my debit card would be deactivated and that a new one would be sent to me in 2-3 business days. On XXXX I had not received my new card, and needed to buy groceries, so I went to a Chase branch near my house and withdrew {$50.00}. After I got home from the grocery store I checked my bank account and saw that someone, who was not me, had called Chase and transferred {$1400.00} out of my savings account and put it into my checking account. Then, {$1300.00} was withdrawn from my checking account at a branch and two ATM withdraws ( one for {$240.00} and another for {$260.00} ) were also completed. These transactions were done in XXXX, Georgia ( I live in XXXX XXXX, Ohio ). I immediately called Chase and filed two claims, one on the {$1300.00} through their Check Claims Department and another for the two ATM withdraws with their regular Claims Department. Once the claims were filed, I had Chase freeze my checking account until the claims could be completed. After my conversation with the claims departments, I noticed that the {$600.00} from the ATM withdraws was put back into my checking account. On XXXX I received a letter from Chase in which they said that my {$600.00} claim was denied. When I asked for the reason, I was told it was because the new debit card that they were sending me was compromised in transit and whoever got it managed to also get my PIN number. I never received the replacement card and changing the PIN number was never offered to me during the initial phone conversation on XX/XX/31. I explained to the Chase worker that those withdraws could not have been me because I was in Ohio at the time, he told me that I would have to submit " supporting evidence '' that I was not in XXXX at the time, even though Chase has a receipt for my {$50.00} withdraw that I completed at a branch on XXXX and signed for.