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

XXXX reported a bankruptcy to my credit report 4 years ago in error. I have since called XXXX and they have removed the XXXX from my record and they sent me a letter to confirm deletion. I have disputed the XXXX  report with Experian and send them the letter XXXX sent me and Experian is refusing to remove the XXXX from my credit report. The XXXX  needs to be removed from my credit report because it is invalid and inaccurate
Product: Credit card or prepaid card

Card.com speaking to XXXX about withdrawing to pay my rent they block so I will not get money out, I call 5 or 6 times and theres something they can card!! I never file a dispute so they dont have no business blocking my card!! I email card.com asking them why did they take my XXXX from unemployment took the out and then put back in my account! Card are scamming people out there money and Im a XXXX please investigate this company
Product: Mortgage

I had an accident on XX/XX/XXXX that XXXX XXXX XXXX and left me XXXX. I applied to Social Security XXXX insurance and have been denied twice. My lawyer filed an appeal for a court date on XX/XX/XXXX and stated that it could take up to fifteen months to receive this court date. I received a court date of XX/XX/XXXX. Once approved for Social Security XXXX, I will receive {$2300.00} per month. I begin receiving {$2200.00} per month, XX/XX/XXXX, from my military retirement. My wife earns {$2100.00} per month from the XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX I begin to fall behind on y mortgage due to the lack of income. LoanDepot begin to work with us on a loan modification on XX/XX/XXXX. LoanDepot granted me a forbearance that included XX/XX/XXXX to XX/XX/XXXX paying {$1200.00} per month.
LoanDepot has asked for information and we have sent 4 different packages to them at 4 different times. We just sent more information to them on XX/XX/XXXX. XX/XX/XXXX LoanDepot filed to start the foreclosure process. The process will conclude on the XX/XX/XXXX with the sale of my house. I believe we will be able to reinstate the mortgage once I get approved by Social Security Insurance and can pay our mortgage every month on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous complaint about Equifax they responded and said the accounts were removed and not reporting. That was false and the accounts are still showing.
Product: Checking or savings account

Since XX/XX/XXXX, USAA has been withdrawing money from my checking account to pay for a USAA credit card ending in XXXX. I do not have a credit card with USAA. I am the only authorized user of my checking account. I have no way of knowing who the credit card belongs to. The only person who was ever associated with my USAA membership was my ex-husband, however we divorced in XXXX and he was removed as a family member on my USAA profile. I have reported this as fraud to USAA. I have made disputes and attempts to stop payment, but USAA has not provided a resolution stop these fraudulent withdrawals and return the money that was stolen from my account. I am prepared to bring this matter to Small Claims court if USAA does not offer a reasonable resolution. 

Most recently, I reported the fraudulent activity on XX/XX/XXXX in the amount of {$1000.00}. I attempted to stop payment. They replied on XX/XX/XXXX saying they were unable to stop payment because the charge was a one-time internal debit and not a preauthorized recurring transaction. They have failed to acknowledge that I have not authorized any payments for this credit card. I have reached out to member services, but am awaiting a response.
Product: Checking or savings account

A fraudulent mobile banking account with Bank of America was opened in my name this morning at XXXX. The account was granted by Bank of America and a debit card was issued. I have reported this issue to Bank of America and they have closed the account. This exact issue happened with Bank of America less than a year ago in XXXX of 2022. I have case numbers for both instances along with police reports. I was alerted about this fraudulent account via emails. Bank of America told me that there have been no transactions on the account at the time I reported it. As of last year, my credit has been frozen in XXXX, XXXX, XXXX, XXXX, and XXXX. This account should not have been approved based on the fact that all my data is frozen with the agencies used to verify my finances.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchase from a company called XXXX, a training package regarding internet marketing. The program portion was split up into 2 major training packages. Titanium/Platinum and Diamond. I used my Chase credit card ending in XXXX to purchase the TIT/PLA Combo using a credit of {$19000.00}. The remaining amount was paid with a different credit card. 
On XX/XX/XXXX the FTC shut down XXXX due to complaints that the company is a fraud. A Temporary Restraining Order was in place to stop the company from conducting any business, and a subsequent court order on XX/XX/XXXX made that TRO indefinite, essentially shutting XXXX down for good. 
I did not receive any of the services outline in the Titanium and  Platinum Agreement. The major portion of which is a training seminar in a location chosen by XXXX and continuing training and online services. I did not attend any of the promised seminars and any and all was not conducted due to the FTC shutdown of XXXX. I was not delivered the services I paid for and was promised to me. 
I placed a billing dispute with Chase on the card ending in XXXX. Chase has denied my claims, with no explanation as to why it was denied nor provided any proof that I received the services provided by XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I submitted disputes on a collection appearing on my credit report. Both TransUnion and XXXX responded back and notified me that the results of their investigation were updated. However, on both occasions, they did not provided me with the physical verification as I had requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification on my items and they stated everything was accurate and i did a thorough research my self and found that it is still improper inaccuracies on my credit report even after they did a thorough research. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance/ {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} In accordance to the Fair Credit Reporting act XXXX  Account XXXX  XXXX, has Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

In XX/XX/XXXX of 2017 I was contacted by Chase bank to be solicited banking products, and I told the rep that I was looking to refinance my construction loan so they transferred me to their mortgage group. The Rep recommended a 120 day lock product, and promised a {$3000.00} credit for closing costs. I was requested to deposit {$6000.00} to make sure I committed to borrow from them and {$500.00} for the appraisal which I paid. I asked the loan officer if this was the right product for me, given the new construction was not complete and there was risk of 2-4 weeks of delays. He assured me that his branch manager will provide at least two extensions for free, and maybe more and not to worry about it. He recommended it was the right product for me.
I moved in the property, and asked Chase to do their inspections since the property was finished inside, but had a few outside items to still be complete. The inspector identified the items, and I agreed to provide the money in an escrow to the bank and receive the funds after items were completed. The bank extended the loan and mentioned that there is no issue with extensions. After we completed the checklist the bank wanted stair railings, so I installed temporary ones to satisfy the conditions. 

Throughout the process I asked them and reminded them of terms agreed, and they mentioned up to 2 days prior that all was the same as agreed and to ignore all closing disclosures up to that point as incorrect. The day before closing I was informed that Chase no longer will provide the {$3000.00} closing credit as it had to extend the loan too many times, admitting the last two extensions were due to their fault. I was furious and asked to walk away from the deal.
I spoke to the manager, who mentioned that I will not be receiving the credit, and that they would keep {$6500.00} already paid if I walked away. I could have borrowed today at 1/8th cheaper and a closing credit.
In short, the {$3000.00} closing credit never showed up to any of the closing statements ( over 20 of them issued and told to ignore ), which makes me think they never indented to pay. They knew they could corner a customer with the extensions and as a result they could change the terms at the last minute. This is a sign of a bait and switch and wanted to report so others do n't get trapped into this lending tactics.
I attached two Closing Statements, one that had changed every week, but never mentioned the closing credit and the final one after all points and extensions that were used to scare me went away.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Hard Inquiries are not mine, or were they authorized by me. They were done fraudulently by someone else, they are also not attached to any open accounts of mine and I would like them to be removed according to the fair credit act. 
XXXX. XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX
Product: Checking or savings account

Mine and my husbands direct deposit did not come through yesterday. All capital one is a caption on the app that they are having technical issues. They have not called or emailed with an update as to what is going on or anything. I have bills to pay. I need food for my family.gas in my car and I have XXXX money because they have not deposited my money into my account even though my work confirmed my money was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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: Debt collection

I was a member of XXXX gym which was located 4 miles from my home before the pandemic. Once the gyms were allowed to open after covid. XXXX opened for a few months then closed all of its locations in XXXX without notice. I called the location in XXXX Fl. and was told that my membership would be cancel since there is no gyms in my area. In XXXX of 2021 I started being charge by a gym name XXXX XXXX located in 22 miles from my home. When I called I was told that my information was sold to them and, but I could cancel at anytime. I told them that I wanted to cancel since I never sign up for their services. The membership was never cancelled. They continue to charge me even after I call the gym many times. I finally call my bank and cancel my debt card. Then I started receiving phone calls about late payments which I told them I never sign up for this gym. I have never been to a XXXX XXXX. XXXX nor XXXX XXXX doesn't have a customer service number or email. So beyond calling the gym there is no one to contact about this. I have now receive a letter in the mail from Aldous and Associates stating I own an amount for {$180.00}. I do not own them anything because I never sign up for this gym.
Product: Credit card or prepaid card

In XXXX of XXXX, I signed up for a BOA XXXX  XXXX XXXX credit card with the promotional bonus being XXXX XXXX  miles and {$200.00} statement credit after spending {$2000.00} in 90 days. I met the requirement and was awarded the XXXX miles ; however, the {$200.00} statement credit never posted. I called BOA on XX/XX/XXXX and was told that I did meet the requirement, and my case would be escalated to " research. '' I received a letter in the mail 3 weeks later with a case number with instructions to call XXXX but no other details included. When I called that number on XX/XX/XXXX, the outcome was that I met the spend requirement but none of my transactions were with XXXX  XXXX which they claim was another stipulation for the {$200.00} credit. I unfortunately do not have any screenshots of my original promotion so I called the main XXXX line to see if a representative could confirm what the fine print on my original offer was. The representative explained the offer as XXXX bonus miles after {$2000.00} spend in 90 days but failed to mention the {$200.00} statement credit entirely. When I questioned her on the {$200.00} bonus, she confirmed that that is also mentioned ( why didn't she originally include this? ), and I have qualified ( this was the same outcome of my call in XXXX ). She said she would also escalate to " research '' and when I explained that that was already done, she then said she does see that documented about needing to have a transaction with XXXX  XXXX. I asked her why she all of a sudden could see this information when she omitted it before when I questioned about additional stipulations. Her response was that it was under a " different section '' of the account. I find it suspicious that I would qualify for the XXXX miles but not the {$200.00} statement credit- why would the qualifying criteria be different when the marketed promotion is bundled all together as " miles + statement credit ''? I am asking that BOA mail me the original fine print on the original promotion because I'm usually very careful about fine print and doubt it was there. It very well could be my own oversight, but my interactions with representatives at BOA give me reason to suspect that they are not being fair to their customers.
Product: Credit reporting or other personal consumer reports

This company has taken over 5 months to complete an employment background check, causing me to be unemployed with no explanation or details. I call the company daily to see whats the issue and never receive an answer or explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! CBNA violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to furnish information on account incorrectly. Payment never late. Reported on XXXX as on time. Continue to violate FCRA Guidelines .Department of Education Navinet continues to furnish incorrect information on credit file. Company has multiple accounts on credit file displaying negative reporting.
Product: Mortgage

: The Company '' is the lender, Known as XXXX   formerly doing business as XXXX, physical location in XXXX, KS at XXXX XXXX XXXX XXXX, now located on XXXX XXXX XXXX  KS XXXX I purchased a piece of real estate in XX/XX/XXXX in the City of XXXX  County of XXXX, State of Kansas, United States of America, XXXX and financed the sale through the above named entity. Through the entire time period of initial closing XX/XX/XXXX to the present, I re-financed my homesteaded real estate as approved by the Loan Officer, XXXX XXXX to improve my home and detached garage and shop building. The property is legally known as XXXX XXXX XXXX XXXX of " the Original City of XXXX. recognized by United States Postal Service as XXXX., measuring 60 feet by 150 feet. I met all requisite contractual payments until I noticed that the mortgagor, XXXX XXXX, could not account for an unauthorized withdraw from my checking account in the amount of {$250.00} in XX/XX/XXXX, an amount still not accounted for. I changed banking institutions to XXXX XXXX XXXX directing my XXXX  monies from the State of Kansas and Social Security Administration to be deposited to XXXX XXXX, and payments to XXXX be timely made from XXXX XXXX. Even though I submitted documents to XXXX XXXX from XXXX XXXX   officers rescinding automatic payments for the mortgage amount of {$450.00} and HELOC payment of {$160.00}, XXXX XXXX ignored these rescinding documents, causing several overdrafts, charging me overdraft amounts and penalties of an approximate {$490.00}, and held the payment of my Social Security XXXX  Income deposit of {$920.00} until I had paid their " electronic overdraft '' due to their error, not mine. In later court documents in the XXXX   Judicial Court, the railroaded rigged biased court ruling favored XXXX XXXX, the lender, without considering the violation of equal protection under the law of my own civil rights. I submitted an " Out of Time '' narrative to the Court, as instructed by the Hearing officer, to no avail. Though I requested a 'fair and impartial ' ruling praying for the wisdom of the Court, it appears the Court recognizes only the lender and not the consumer. In my opinion, in this case, the lender ( and company, is suspect ) and the consumer ( others like me ) are presumed at fault, especially when the lending company errored first, grossly breaking the contract thus losing Super Priority Lien status.
Product: Prepaid card

I was robbed in XXXX XXXX for my cards and banking information from room XXXX and it was in the vault on XX/XX/XXXX My ID and my Bank Account Statements were stolen. 

I was asked by Bank of America to send in a video from the robbery since it was inside the elevator BUT XXXX XXXX Refuses to release the video. 

Im missing XXXX that was wired out of my Unemployment prepaid account XXXX so I opened a Real Bank of America ending in XXXX also someone opened a a account ending XXXX I was deposited XXXX on XX/XX/XXXX by IRS and someone illegally wired money out my account and the bank won't reimburse me without the video from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing my personal credit reports, i discover lots of unknow accounts I never opened and are currently in collection with large balances. 
these accounts are opened fraudulently on my name, realized it is the reason why I am being denied credit cards and are receiving higher than normal interest rate etc. when i applied for credit cards loans. 
i was referred to this site by a friend advising i can get help to fix the problem. so im submitting this report in hopes of a positive turn around. please help
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It 's My understanding that Equifax will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name XXXX XXXX XXXX XXXX
Product: Checking or savings account

My employer issued an end-of-year bonus on XX/XX/23. Chase bank placed an XXXX hold on the deposit to verify funds had been received. This check was posted to my employer 's account on XX/XX/23. Chase is holding the deposit funds despite my confirmation that the check had cleared. Neither bank will speak with the other despite the fact that I provided personal contacts. XXXX  XXXX XXXX eliminated the employer 's personal banker position and converted to a priority XXXX team, aka calling customer service. Chase says their hands are tied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account opened XX/XX/XXXX closed unpaid with balance of {$1300.00} and charged off as of XX/XX/XXXX. One Late payment submitted XX/XX/XXXX. And additional late payments being reported there after starting from XX/XX/XXXX to current date. 3 credit disputes through credit bureau 's and through XXXX 's directly. Account over statute of limitations to make payments and I 'm pressured to make voluntary payments for account to be accurate. How am I late on an account that has been charged off? Target red card had been paid with XXXX balance since XX/XX/XXXX and i am being reported late since XX/XX/XXXX how am I late on an account that is closed and paid?