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

I had a XXXX year CD mature on XX/XX/2022 and had specific instructions to close the CD and disburse funds at maturity and I have a confirmation email of these instructions from the bank on XX/XX/2022 However the bank blatantly disregarded my instructions and renewed my CD and is now attempting to charge me an early withdrawal fee to access my funds
Product: Checking or savings account

My Online account information, User ID and Password, do not exist. 

I was told to register my account and create a User ID and Password.
Product: Student loan

As a mother, I decided to make a positive change in my life and go to college so I could get away from government assistance and build a better future for my children. I started college XX/XX/XXXX and went to school at night. I graduated from my XXXX XX/XX/XXXX and decided to keep going and went to XXXX XXXX. I graduated from XXXX XXXX XX/XX/XXXX but could not find any employment until XX/XX/XXXX. My student loans were serviced by XXXX and had been in deferment since XXXX. Due to moving multiple times, I was unaware that my student loans had come out of deferment after I graduated. By the time I found out, my student loans were 150 days late. I had XXXX different student loans all being serviced by the same provider at the time. My student loans were not consolidated. Therefore, I suddenly had XXXX negative reports on my credit. I contacted Fedloan immediately and explained that I did not have employment sufficient to pay the loans at that time and that I had not received notification that they were out of deferment. Fedloan agreed to put the loans into forbearance and BACKDATE the forbearance so it would be as if the loans never came out of deferment. Fedloan backdated the forbearance to show that the account was in forbearance from XX/XX/XXXX - XX/XX/XXXX. I have had no issues since. Now, for the first time in my life, I am ready to buy a home. I have been turned down now by XXXX different banks for a mortgage because my credit report shows XXXX different accounts reporting that I was 150 days late XX/XX/XXXX - XX/XX/XXXX. I have sent XXXX proof that the forbearance was accepted and that my loan was considered in forbearance during the time period that my credit report is saying I was 150 days late. I have disputed this twice and they refuse to remove it from my report. After all of my hard work to make a better life for myself and my family, I am unable to purchase a home because of these negative reports. Why would Fedloan backdate my forbearance to show the loan as never late unless they wanted it to reflect as never late. I have provided proof of this forbearance and yet Fedloan and XXXX refuse to remove it from my report.
Product: Credit reporting or other personal consumer reports

Received a copy of my credit report on XX/XX/2023 and XX/XX/2023 and theirs 's 21 hard inquires on my credit report from XX/XX/2023 - XX/XX/2023 they're 61 soft inquires also on my credit report. 

I have called and written letters to all three-credit reporting Bureaus ; XXXX, XXXX and Transunion which included a copy of my driver 's license and social security card,
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a dispute with Transunion for investigation on an unfamiliar account. Transunion, I guess performed a quick improper investigation on the unknown item American FINANCE. TransUnion sent me the results that they performed an investigation, and the account was deleted from my credit profile. I'm a true victim of identity theft and I provided Transunion with the required documents for this claim. I received an alert from a 3rd party credit monitoring service that the AMERICAN FINANCE ACCOUNT was re-inserted on my report. Transunion has now violated the FCRA by not notifying me of the re-insertion. Please see the law below regarding this violation of deceptive practices by Transunion.

When a credit bureau re-inserts a dispute or previously deleted item back on your credit report without notifying you, it violates the Fair Credit Reporting Act ( FCRA ). Specifically, this situation falls under Section 611 ( a ) ( 5 ) ( B ) of the FCRA, which requires the credit bureau to notify you within five business days of re-inserting the disputed information.

If the bureau fails to provide this notification, it violates the FCRA, which could be grounds for legal action. You may be able to sue for damages under this law, especially if the re-inserted information negatively impacts your credit score or causes other financial harm.
Product: Debt collection

Midland Funding, LLC is garnishing my wages for a debt that was closed out for fraud. They didn't even buy the debt so that means that they obtained the information illegally. The original creditor confirmed that the debt was never sold to them. They are suing me in court and now they are playing two courts against the other to string this situation along. They have made unauthorized withdrawals from my bank account and I never even gave them my bank account information. They have hired people to steal information from the dark web to hold irrelevant matters against me. They lied to the judge claiming that they incurred fees from dealing with my employer for garnishing my wages so they could get awarded more money. They falsified evidence and presented it to judge so they can get a default judgment. They even forged my signature on some agreement that I've never even seen before and they stole my identity to create other fraudulent accounts. 

They sent a judgment for rule that was NOT signed by a judge to my employer and when my employer told them that they couldn't add on the garnishment without the signature, XXXX XXXX threatened to sue my employer if they didn't put the garnishment on. They don't even serve you court documents and they talk the sheriff into falsifying information on the return. They also made racist remarks toward me. 

Complaining to their staff members doesn't work. They just ignore all issues and they never return phone calls or letters. I am pressing charges against these people.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$9400.00} XXXXT XXXX {$840.00} XXXX XXXX {$300.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$750.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax numerous disputes about this incorrect public record on my report i have ask them to provide me with verified information that this account belongs to me. And they have not provided me with any information nothing at all. Just a letter stating they verified. But no documentation proving that that particular account belongs to me. I have contacted the court in question and they stated they did not provide Equifax with any information. I sent that along with my dispute and they did nothing no reply.Therefor they must delete this wrong and incorrect public record account off my credit report. It is against the law to report inaccurate information on someone credit file and i demand they fix it and remove it from my report. I have included the same documents the court sent me as proof in my complaint. I also included identification with copies of both my Drivers Licenses to provide verification I am truly this person and would like swift fashion in removal of inaccurate account.
Product: Credit card or prepaid card

I am writing in regard to an issue I have encountered with flex pay plans on Citi credit cards. If you attempt to set up a flex pay plan for a transaction posting near or after your statement closing date, the system automatically adds a minimum finance charge of {$0.00} to your account. As Citi flex pay plans include the finance charge in the payment amount, I can see no point to this additional charge. It strikes me as a glitch. 

Each time I have encountered this issue, I call customer service. They can provide no plausible explanation and eventually agree to credit the fifty cent minimum finance charge back to the account. 

While on a personal level this is a paltry sum, it struck me that multiplied by millions of instances over years, the amount becomes less trifling.
Product: Prepaid card

I am XXXX and was receiving benefits through Money Network debit card. I went to use my card XXXX day and got denied, when i called to check the balance it was XXXX $ flat. I freaked out because i had over XXXX XXXX dollars in funds. I called money network and got the list of transactions that were not authorized by me. I filed a dispute with money network and they denied the dispute due to " digital validation of the transaction ''. Not sure how that makes any sense. Once I reported fraud on the first card, they closed account and sent me another one. When I called to follow up and speak to someone about the dispute, they had to verify my email. Well the representative noticed that another email was linked to the card account already and it was not me. I am sending in an appeal. 

CASE NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian refuses to take off a charge that doesnt even have my name on it. I have no idea how a delinquent is linked to me when the other 2 credit bureaus dont have anything about it. This is harassment and fraud!
Product: Checking or savings account

Chase bank closed my checking account in XXXX or XX/XX/2019. 
Chase mailed a check to my former PO Box . 
I never received the check. 
I relocated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  Had posted a hard inquiry on my credit report and I have never applied for anything with this company its fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple  XXXX    XXXX   accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been doing credit repair for a little over a year and finally got to the point where I was comfortable letting my loan office pull my scores/reports to qualify me for a mortgage assistance program. However, they are unable to obtain Equifax scores because theyre receiving an error message : APPLICANT FILE BLOCKED AT XXXX - XXXX. Since I was made aware of this 2 weeks ago, Ive ncalled Equifax everyday for 2 weeks and spoken with SEVERAL supervisors. Ive read to them the error codes/messages that are clearly listed on my inquiry report, and they all state tat my Equifax file is not locked/blocked and should be accessible. THIS IS NOT TRUE ACCORDING TO WHAT I HAVE IN WRITING. My loan office Is now stating theres nothing they can do on their end to gain access to my files-it needs to be resolved through the credit bureau. However, Equifax credit bureau has just transferred me to several different departments, disconnected my calls, and given me the runaround
Product: Vehicle loan or lease

In 2XXXX, I did a consumer credit transaction with XXXX XXXX XXXX XXXX, a dealership in XXXX, and extended my credit through Santander USA. Recently, I have become aware that as the original creditor, who extended my credit, using my credit card ( SSN # ), pursuant to 15 USC 1602 ( L ). 
Pursuant to 15 USC 1605 ( a ) the finance charge, {$3400.00}, should be the sum of all charges. According to the billing error, my account was over charged {$9800.00}. See exhibit A from the dealership copy of their response when I notified them that they committed fraud against me, the consumer. This is completely inaccurate and unfair credit card practice and Santander is undeniably going against the TILA ( Truth In Lending Act ). 
Finally, I was never given the 2 forms of recission should I have wanted to cancel the loan, according to15 USC 1635 ( A ) ; REG Z 226.5 ( B ).
Product: Credit card or prepaid card

On Saturday, XX/XX/XXXX, my husband and I purchased two XXXX XXXX  sofas from the XXXX XXXX XXXX in XXXX, XXXX We were encouraged to look into the Pottery Barn credit card offered by Capital One. After applying for the card, my husband was approved. He later added my name to the card. During the application process the store rep told us that there was no interest for 12 months, with no other details. We specifically asked if there were any contingencies for that perk and was told that there was no red tape just no interest for 12 months as long as we paid the balance before the one year anniversary of our purchase. Our original plan was to not pay on the credit card bill until we received some expected funds in XXXX XXXX XXXX We even discussed this in front of the store rep and they did not speak up to say that we would be stuck with late fees or interest fees if we went forward with that plan. We were very surprised when we received a statement in XXXX  for a minimum payment of {$250.00}. This effected us financially and put us in a bind. We continued to make the minimum payments until our financial crisis came to a head in XXXX, and I called Capital One on XX/XX/XXXX. I spoke to a representative and was told that in order to have no interest within the first 12 months, we must pay a certain amount every month. Some months, like XXXX, is over {$300.00}. Not to mention the {$29.00} late fees we are stuck with if we are unable to pay our bill on time. I was told there was nothing we could do. The representative agreed that the retailer failed to properly inform us of the fine print and apologized. But the apology does not resolve this issue for me and my husband.
Product: Debt collection

When applying for a home loan I discovered an unknown collection account from XXXX XXXX XXXX. They are supposedly collecting on behalf of XXXX XXXX. Since I had no knowledge of this debt nor ever had an account from XXXX XXXX I immediately disputed the debt with the three credit bureaus on XX/XX/XXXX. The dispute came back VERIFIED. I then contacted XXXX XXXX XXXX directly which is really another company called Resurgent. They were able to provide some limited information, none of which was accurate. The service was supposedly for a landline telephone but they couldnt even verify the service address. They made me update my contact information because they didnt even have a valid address or telephone number to contact me. I then contacted the original vendor, XXXX XXXX, who had no information on the account. I dont know how they can VERIFY the debt when they dont have proper information on file and the original creditors information doesnt even match mine. They said I could request a debt validation but they discouraged it as it would take 60 days. The law states 30 days so they were trying to get me to settle for debt I dont owe verses verify its legitimacy. To top that off the date of last delinquency showing my credit report is XX/XX/XXXX when they themselves state the correct date is XX/XX/XXXX. They told me they have no ability to correct it. According to my mortgage company something from XX/XX/XXXX hurts me much less tan something from XX/XX/XXXX. My last communication with XXXX XXXX was with XXXX on XX/XX/XXXX. I would like these unfair and inaccurate collection processes to cease and for the reported item to be immediately removed from my credit report. I have attached a copy of the current credit report highlighting my notes and the date of last delinquency that is reporting.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Near the end of my lease with Infiniti Financial Services ( XXXX ) I traded my vehicle to a XXXX dealership where I leased my new vehicle. 3 weeks later I checked to see if the Infiniti lease had been paid off by the dealer and was informed that XXXX had returned the check and would not allow the vehicle to be purchased by a third party dealer. I was told to contact the XXXX dealer and figure it out with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, N/A, N/A, N/A, N/A, N/A, N/A, N/A, XXXX XXXX XXXX, XXXX  , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Original Creditor : XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was charged a secondary incidental fee one day before checking out ( XXXX XXXX XXXX XXXX ). It was unauthorized I never authorized it nor knew of it until after checking out. I've called the hotel multiple times got no help. I spoke to the pathetic manager XXXX XXXX 's multiple times and got lies of callbacks and her fixing the issue. I reached out to my bank to file a dispute three times via email which no representative is helping ( XXXX ( Current ), XXXX ( Current ). At this point the bank if failing to file a dispute on an unauthorized hold that should have been released since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to Transunion : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX Credit Bureaus, Transunion, XXXX XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate and was not verified as I did not get any proper paperwork to show that the account belonged to me at all. The date opened, the date last active and the date last reported are all inaccurate still as well as high credit. The payment history is incorrect and also not reporting correctly and Transunion and XXXX does not report any payment history at all and XXXX only reports good payment history with no late payments at all listed. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 15 U.S.C. 1681s-2 ( 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.