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

I have sent many letters to XXXX XXXX and have not gotten a response other than Results from Reinvestigation and asked them to provide where they got this inaccurate information and they have not response with anything but continue to send me the same form to fill out and not response Asked for the report and got a response on from XXXX XXXX on XX/XX/XXXX. On that report includes a Bankruptcy which is inaccurate and also TransUnion & XXXX both are reporting different information that what is on the XXXX XXXX report where they continue to say they are verifying it and clearly but the reports all of them have different information. XXXX deleted it immediately on XX/XX/XXXX Letters and responses XX/XX/XXXX certified received XX/XX/XXXX Sent a dispute to XXXX XXXX asking to verify this account with physical proof not a general respond. On XX/XX/XXXX I got a lettered dated XX/XX/XXXX saying it was verified and no other information provided as to where and how this was verified. SO I sent another letter to them on XX/XX/XXXX certified received on XX/XX/XXXX asking them to reinvestigate and give me the source of where they are verifying this information. I have contact the courthouse directly and they sent me a letter saying they do not verify so I would love to know how this is being reported and by who. Also how this can be different on XXXX XXXX, TransUnion, XXXX ( which deleted it ) and XXXX. No response but a request form that I filled out on XX/XX/XXXX and mailed the copy and also email to the address provided in the documentation and even got a copy of the conformation they got it on XX/XX/XXXX attached here that included a copy of my current drivers license and copy of my social security card. Still no response to this from XXXX XXXX. Still no response from XXXX or Transunion about investigation and where it comes from only that it is verify by XXXX XXXX and still all 3 have different information being reported. I have sent yet again the form filled out again to XXXX XXXX along with copies off all the letters and certified copies on XX/XX/XXXX that they got on XX/XX/XXXX. This is unacceptable and clearly shows inconsistent reporting along with not following the proper procedure to verify and report information on my account cause harm to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Never gave XXXX XXXX ( XXXX  ) consent to pull my credit. Heres a few Violations XXXX committed against me *Federal Laws : * 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 2. Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m *Regulations : * 1. Consumer Financial Protection Bureau ( CFPB ) - 12 CFR 1002 2. Federal Trade Commission ( FTC ) - 16 CFR 600 *Hard Inquiry Rules : * 1. Permissible Purpose Rule ( FCRA 604 ) : Companies must have a legitimate purpose to inquire about your credit. 2. Authorization Requirement ( FCRA 604 ( a ) ( 2 ) ) : Companies must obtain your consent before pulling your credit report. *Acceptable Hard Inquiry Purposes : * 1. Credit applications 2. Employment screening ( with written consent ) 3. Insurance underwriting 4. Credit account reviews *Time Limits : * 1. Hard inquiries remain on credit reports for 2 years ( FCRA 605 ( c ) ( 1 ) ). 2. Multiple inquiries for same purpose within 14-45 days are typically combined into one ( FCRA 604 ( a ) ( 3 ) ). *Consumer Rights : * 1. Right to dispute inaccurate inquiries ( FCRA 611 ). 2. Right to request inquiry removal ( FCRA 612 ). *Penalties for Non-Compliance : * 1. Civil liability ( FCRA 616 ). 2. FTC enforcement actions. Relevant US Codes : - 15 U.S.C. 1681 ( FCRA ) - 15 U.S.C. 1681m ( FACTA ) - 12 CFR 1002 ( CFPB ) - 16 CFR 600 ( FTC ) Now that they pull my credit and denial me of credit service when I have a right according to Here are relevant US codes and guidelines regarding denial of credit : Federal Laws : 1. Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. Regulations : 1. Consumer Financial Protection Bureau ( CFPB ) - 12 CFR 1002 2. Federal Reserve System - 12 CFR 202 3. Federal Trade Commission ( FTC ) - 16 CFR 600 Denial of Credit Rules : 1. Adverse Action Notice Rule ( ECOA 701 ) : Creditors must provide written notice of denial. 2. Discrimination Prohibition ( ECOA 702 ) : Credit decisions can not discriminate based on : - Race - Color - Religion - National origin - Sex - Marital status - Age ( provided applicant has capacity to enter binding contract ) 3. Credit Reporting Requirements ( FCRA 615 ) : Creditors must report accurate info. Notice Requirements : 1. Reason ( s ) for denial ( ECOA 701 ( a ) ) 2. Credit score disclosure ( FCRA 609 ) 3. Credit reporting agency contact info ( FCRA 609 ) Consumer Rights : 1. Right to request credit score disclosure ( FCRA 609 ) 2. Right to dispute credit reporting errors ( FCRA 611 ) 3. Right to sue creditor for discrimination ( ECOA 706 ) Penalties for Non-Compliance : 1. Civil liability ( ECOA 706 ) 2. FTC enforcement actions 3. CFPB enforcement actions Relevant US Codes : - 15 U.S.C. 1691 ( ECOA ) - 15 U.S.C. 1681 ( FCRA ) - 12 CFR 1002 ( CFPB ) - 12 CFR 202 ( Federal Reserve ) - 16 CFR 600 ( FTC )
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I called Experian and initiated a dispute over the phone with a representative about inaccuracies on the personal information section of my report pertaining to my name and address. I pointed out inaccuracies shown on the report in the various name variations that they had on file for me and asked them to delete them all and just leave the correct one which is XXXX XXXX XXXX. I also disputed XXXX incorrect addresses that they had on file for me for XXXX, XXXX  and asked them to delete those XXXX because they were incorrect and to just keep my current mailing address that is listed on file which is XXXX XXXX XXXX, XXXX, XXXX XXXX. Well I got the results back from this dispute within a few hours and they have completely butchered my name intentionally XXXX different times on my credit report. Instead of deleting this inaccurate information and leaving the correct XXXX as I described above they updated all XXXX to reflect the following variations XXXX XXXX XXXX XXXX XXXX DIFFERENT TIMES! 

Also instead of deleting the XXXX inaccurate and out of date addresses listed that I requested to be deleted they still remain as follows : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

My daughter received FEDERAL GRANT MONEY for school. On XX/XX/2018, for the THIRD time, the bank has taken that money, which legally is supposed to be untouchable, from the account. Each time, they've charged several hundred in overdraft fees which were only incurred because they WRONGFULLY took money from the account for a credit lien on ME. They are refusing to refund these overdraft charges, despite acknowledging their own error led to them. My daughter has no liens or levies. The federal grant money would be untouchable even if she did. The bank is refusing to give us back money they've essentially stolen. I have tried to remove myself from the account but they are insisting I have to fly back to California to do this and I do not have the funds to do that. They refuse to do it without me physically present. They also refuse to let my daughter close the account. Between the XXXX and the XXXX, they took {$160.00} + {$66.00} in overdraft fees, the second amount being taken AFTER they put the original {$390.00} back in the account, so it was no longer overdrawn when they added those alleged " overdraft '' fees. This is straight up theft. 

The bank is XXXX XXXX XXXX XXXX My branch is the XXXX XXXX branch but it is their legal department that I am having issues with.
Product: Mortgage

I paid off my mortgage with US Bank on XXXX/XXXX/2016. I was tolt that it would be a few weeks before an escrow refund would be processed. After not receiving the refund I called US bank on XXXX/XXXX/2016. They informed me that the refund was processed on XXXX/XXXX/2016 and that I should wait a bit longer for the check. I called back a week later and again informed them that my check had not been received. This time they informed me that they could not issue another check until after 30 days and that if they did, I would have to pay a fee to have them reissue the fee. It was my responsibility since they " mailed the check to the right address. '' This is an unfair practice since every mortgage payment that is mailed to them is the responsibility of the customer until they receive the money. If I mail them a check that " gets lost in the mail '' I not only have to pay the stop payment fee but I would also incur a late fee on the mortgage. The bank should be held to the same standard of responsibility that they hold the customer to. I have informed the bank that I do not have the check and they have an opportunity to stop payment to avoid fraud. I expect that if someone else were to intercept the check and cash it fraudulently I would be out the money or, at least, bear the sole burden of proof that it was n't me. This is also inappropriate given that I already notified them of failure to deliver within a reasonable timeframe.
Product: Credit reporting or other personal consumer reports

When looking to refinance my home I noticed there are multiple negative marks on my credit from Freedom Mortgage I have reached out to them a few times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I reached out before because I was XXXX and had issues trying to get into my account from out sea which caused my payment to be late. My payments were NOT over XXXX days late and it is inaccurately listed on my credit report. Freedom Mortgage clearly CAN NOT be trusted as they were recently under investigation for unethical practices. As per 15 U.S.C 1681 section 602 A. I have a right to privacy and Section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written instructions. 15 U.S.C 168c. ( a ) ( 5 ) section states that no consumer agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by. more than XXXX years. Lastly, 15 U.S.C. 1681-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to violate my rights as a federally protected consumer. They have affected me and caused me hardship by misreporting and listing inaccurate information on my credit file. Equifax did not exercise their grave responsibility to protect my right to privacy. They have been unfair and impartial and never received my consent to furnish anything.
Product: Credit reporting

All of the accounts listed have been removed by both XXXX and XXXX. Experian is continuing to report all of the accounts on my current report.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I paid my mortgage, as is customary. 
On XX/XX/2023, I was alerted via email that Experian dropped my credit score XXXX points, due my not paying my mortgage. 
Baffled, I spent numerous hours and days with various banks, the mortgage company and preparing an Experian dispute. This, as the mortgage was paid ( using the same method I've used for years ) ; however, I did not receive credit. 

After approximately a month of research, I learned that the mortgage company erroneously attempted to pull my mortgage from a stale account. 

Today, relative to the mortgage company XXXX XXXX XXXX XXXX error, Experian writes : " Well done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. '' Experian next 'returns ' XXXX points. 
I am bewildered, as due to the mortgage company 's error, I was hit with a XXXX point decrease. Thus, after it's proven that I did, indeed pay the mortgage and it was the mortgage company 's error, why am I only 'awarded " XXXX points? 
Some years ago, I experienced similar and the credit bureau may provide a mirrored reasoning. However, I also decreased another credit card by 87 %, but only received XXXX ( XXXX ) points with the following alert : " Your XXXX account 's Credit Usage significantly decreased to 0.87 %. 
Credit Usage is the percentage of available credit that you use. Low Credit Usage may have a positive impact on your Credit Score. '' Consumers are struggling to keep up with the exorbitant interest rate hikes. Shouldn't we at least receive an 'exact reversal ' of the credit decrease, when it's due to a lender 's error? Is crediting a consumer less than XXXX what was taken away, due to a lender 's error fair? 
Thank you.
Product: Checking or savings account

Wells Fargo bank closed a savings account without notice and refused to provide a reason. The bank most likely is trying to charge a higher monthly fee and is closing this account to force a higher monthly charge on a new account.
Product: Credit card or prepaid card

I am being dunned for a past due amount ( currently {$130.00} ) on a credit card account ( ending with XXXX ) that was closed on XX/XX/2021 at XXXX XXXX  CDT. All substantiated charges at that point were paid. What remained at that point were approximately {$77.00} worth of unsubstantiated charges ( i.e. no vendor, no product or service, no quantity, no transaction whatsoever ). I explained this to US Bank rep, XXXX, at the time. He confirmed during this conversation that the account would be closed, the unsubstantiated charges written-off, and a confirmation letter would be mailed. I received a confirmation letter from US Bank, dated XX/XX/2021, shortly thereafter. 

This all stemmed from a US Bank error in the transfer of my XXXX XXXX accounts to US Bank. In transferring my account -- without my knowledge or permission -- US Bank changed the account & routing number for my checking account in multiple automated payment records for multiple vendors. And they entered an invalid combination of account & routing number. 

This error occurred in late XXXX and was acknowledged belatedly by US Bank in a letter to me dated XX/XX/2021. 

Despite multiple calls trying to resolve this as well as a letter delivered by registered mail, I am receiving monthly bills with compounding fees & interest charges.
Product: Credit card

XXXX, XXXX and XXXX have failed to report correct information as per 15 USC % 1681 creating damaging effect to my lifelyhood. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) demanding emmidate expungement.
Product: Credit card or prepaid card

I had an account with American Express cards since XXXX of last year. Then i had some purchases that i tried to dispute with the company as I do not recognize as mine. I spent months trying to receive dispute and asked proof of purchase from charges I did not recognize as mine, but never got the requested info so especially after the Pandemic and all the financial hardship I have been facing i decided to stop paying for something i do not recognize as mine. Instead of sending me the requested proof of purchase they simple referred my account for a debt collection agency which started to bother me even during weekends, early morning and late afternoon with no respect for my privacy and regular hours and reasonable ways of communication.
Product: Debt collection

I used to have account with XXXX including XXXX XXXX . Last year I moved to different city and request them to transfer XXXX XXXX account under my wife name . After 2 months they discounted the service saying that I owed them XXXX dollar and after paying that amount they restored the service again. In XXXX they started calling me to pay that amount again and started threatening to send for collection. . In XXXX I got letter from Diversified consultants for collections of XXXX( reference number XXXX). I called them and made them clear about the situation. Now they put this note on my credit file.
Product: Credit reporting

XXXX is reporting to Transunion, Which they have not verified the debt that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive seen my credit reports and noticed that I 10 late payments on an account I that I was never late for. Reporting Agencies have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the XXXX XXXX XXXX account # XXXX Please investigate and provide Proof with company bank STATEMENTS from my account to yours, showing these payments were late. If the proof im requesting cant be provided payments be updated to on time as they should be as I was NEVER Late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry placed on credit file from XXXX XXXX XXXX XXXX, fraudulent credit inquiry in an attempt to get a credit card on XX/XX/22
Product: Credit card or prepaid card

This problem has to do with the XXXX XXXX XXXX  XXXX. We have had this card for many many years and never had a problem receiving the statements and being able to make our payments on time to the XXXX XXXX website. In XXXX 2017 we went to the website that we have used for many years to log in and make the payment and was directed to a website for Capital One. We called the phone number on the XXXX XXXX statement we had received for XX/XX/XXXX and spoke with a representative and was told that the XXXX XXXX had been transferred to Capital One and that we would have to register for online services. We went back to the XXXX XXXX website and when Capital One came up we tried to reregister. We were unable to reregister as we did not have a 3 digit code from a current credit card they were requesting. We then called back to Capital One and was told by a customer representative that we would not be able to reregister for on-line services and be able to pay our bill on line like we have done for many many years as we did not have the 3 digit code they were requiring. We were then transferred to another customer service representative and was told the same thing. We have never had a returned payment or a late payment to the XXXX XXXX. We were told we could make the payment due for XX/XX/XXXX by a customer service representative. We asked to be transferred to a customer service representative that could take a payment. We were then transferred to another representative and the representative took the payment. When we mentioned that we had spoken to 2 other  representatives we were told that either one of them could have taken the payment. XX/XX/XXXX payment was paid on time. 
We did not receive a XX/XX/XXXX statement. We called Capital One to see about the statement and the representative could not see where a statement was sent to us. I asked how are we to know the amount due and the due date and was told we would have to call in. When I asked for a mailing address I was told it would take 12 days to process a payment as we do not have the statement remittance that would be returned to them along with the payment. 
We feel this needs to be looked into with Capital One. If they are taking over the XXXX XXXX the existing XXXX XXXX customers should be able to receive statements and make their payment on-line if they choose to. It seems that Capital One is not sending out statements so XXXX XXXX customer will not make their payments and the account will become delinquent and be reported on the credit bureaus as a bad debt and hurt the customer. 
Your assistance is greatly appreciated.
Product: Checking or savings account

On XX/XX/year> I wire transfered {$20000.00} from my Truist Bank account to another Truist account holder. The wire seemed to proceed normally, but then I was informed that the recipient 's account had been blocked. Initially, I was advised that this would be resolved within a day or two. That has NOT been the case. Truist continues to block these funds as of this date. I understand that Truist has full authority to do this. My complaint is that by blocking these funds, I endured great hardship to fulfill my commitment to the recipient and was finally able to arrange payment via other resources. I believe Truist has been unconscionable in blocking these funds for almost 4 months.