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

I have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. 

I do not have an account with this company. I did not apply for anything with this company.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the reporting of a charge-off from Capital One Auto Finance XXXX account number XXXX XXXX, on my credit report. I believe this information is inaccurate and/or unverifiable. As per the Fair Credit Reporting Act ( FCRA ), I have the following concerns : Inaccurate Reporting ( FCRA, Section 1681c ( a ) ( 4 ) ) : The charge-off from Capital One Auto Finance appears to be incorrect. Under the FCRA, credit information must be reported accurately, and charge-offs should not remain on my credit report for more than seven years from the date of the first delinquency that led to the charge-off. I believe this charge-off is inaccurately reported and should be removed.

Lack of Verification ( FCRA, Section 1681i ) : I have disputed this charge-off and requested verification from Capital One Auto Finance and the credit reporting agencies, but no sufficient documentation has been provided to verify the debt. As mandated by the FCRA, if the creditor can not verify the debt within 30 days of my dispute, the charge-off must be removed from my report. 
Failure to Correct Inaccurate Information ( FCRA, Section 1681s-2 ) : Capital One Auto Finance , as the furnisher of this information, has a legal obligation to report accurate data to the credit bureaus. Since this charge-off has been reported inaccurately, I am requesting that it be corrected or removed in compliance with the FCRA.

I kindly request your assistance in investigating this matter and ensuring that the inaccurate charge-off from Capital One Auto Finance is either verified or promptly removed from my credit report.
Product: Checking or savings account

I filed a complaint about Bank of America about them holding my check and they called me at XXXX to resolve the matter but didnt offer me ANY resolution besides telling me all the information I already knew. I consider this harassment now. Im pretty sure they already have a class action law suit age them for calling people during times they shouldnt be calling people.
Product: Credit reporting or other personal consumer reports

I discovery derogatory debt entries on my credit report without my consent. i also disputed the matter prior to current complaint.
Product: Checking or savings account

I found out today, XX/XX/XXXX, that Truist has locked up my account for any activity. I can't login to my account. No warning whatsoever. Our only income is Social Security benefits. I have bills that are due. I am locked out from doing anything. They are sending me a check from our joint savings account but my funds in checking are frozen in their bank and I have no access to my money. Can't go food shopping or withdraw any of our money to pay for things. 

XXXX XXXX
Product: Credit card or prepaid card

Dear Sir/Madam, I have been Citi card members for a long time. I do not agree the way they treated me and perhaps others too. When I called their customer service for lowering my credit limit or closing my account without notifying me - why they are planning to close they arbitrally closed my account for Thank You Preferred Car ending on last 4 digit of XXXX. 
There reason was I did not use for 18 months when I called but I had just used it on XX/XX/XXXX and charged {$670.00} which their statement shows. 
Today XX/XX/XXXX I called them they said it was already closed and they would not reactivate my account anXXXX XXXX XXXX XXXXe I have to reapply- which will cause a credit inquiry and thus lower more my credit score. 
On this card they had without notifying me they had decreased my credit limit from XXXX to XXXX and now closed it. 
They rely on the worst Credit Bureau XXXX  which consistently gives lowest score among all 3 bureaus. I am sure XXXX does that to many more customers data. We all know they had the worst data breach. 
They had lowered also my XXXX XXXX card credit limit from {$5700.00} to XXXX and now {$1300.00} XXXX They also closed my XXXX XXXX XXXX without giving my any advance notice. 
I have always paid my bills on time - yes I do have higher usage of credits but they have been closing or reducing my credit limit which negatively affects my score. 
They are quick to jump on customer and they do not inquire what is going on before - they seem to just rely on numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX 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 reportinq agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following I Hems or information Any other adverse item or information, other than records or convictions or crimes which antedates the report by more than seven years.

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
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I froze all credit with all three credit bureau's after the XXXX data breach.  Today I am considering a new loan and contacted all three.  I had success with all but Experian.  Online I went through a series of giving info and answering questions to be told they couldn't verify if and require me to mail in name, address, dob, ss# copies of drivers license, utilities bills and a pin number I never received from them.  I called and answered all the questions again to which they denied me requests and gave me the same requirements and an address and the automated system quickly hung up the phone with no option to hear it again or speak with anyone.  This is an outrage as I  don't have a pin or any info from them from 2 years ago or any option to contact them but  snail mail and maybe I will hear from them who knows when!  I need to make purchases and have credit verified immediately with the option to freeze and unfreeze my credit immediately or within an hour or so due to the XXXX breach.  Experian makes it impossible if you do not answer correctly with no option but postal mail and serveral days.  I you have a purchase emergency where credit has to be verified you are out of luck.  They need the option of someone answering the phone to verify.
Product: Payday loan, title loan, or personal loan

This was a credit line at Banner Bank and the interest rate set at 2.74 % .On XX/XX/23 I called to transfer {$5000.00}. I normally can do it online however this time someone at Banner Bank had to do it. A few days later I received a bank statement that showed the interest rate had gone up to 8.99 %. I called my branch manager and he said the one year XXXX rate had expired and there is nothing he can do. My complaint is the day I made the telephone transfer if that girl would have told me the rate would change the next day I would not have transferred the money. I believe she should have informed me the one year rate had expired and the new rate goes into effect the next day. I have since paid off the loan but it cost me {$170.00}. I think it was a " Bait and Switch ''. I want my {$170.00} back or I am going to a different bank. I am inclosing the statement from Banner Bank. 

Thanks XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Installment Account XXXXXXXX XXXX Account Number XXXX, Credit Account XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, Has violated my rights. 15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681 Section 623 B Section XXXX : The Information is, in fact, still inaccurate.15 U.S.C 1681 section 609 A : Every Consumer reporting agency shall, upon request, clearly and accurately disclose to consumer :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX provided me with my credit report : All accounts satisfactory. Included Wells Fargo Card Svcs secured credit card. In question is adverse action on my credit not upgrading my secured credit card and Wells Fargo charging me {$25.00} fee to use my own money? Their executive office XXXX advised me he saw adverse action against me I'm not aware of? My rights are any/all records under FCRA must be provided to me, my " file disclosure '' and also advise me of the name, address and phone number of the agency that provided adverse information.
Product: Checking or savings account

It should have been easy! Bank of America emailed me about a fishy-looking check for {$14000.00} over XXXX. I called them when I logged in the morning after XXXX and told them I did not write the check and the check # was one of a series I had stopped, the stop fee waiver appearing on my statement. I had never heard of the payee. 
____ Despite constant, increasingly frantic attempts by secure email, by fax, and by phone, it is just about a month now, and I have been unable to get the funds restored, or even get confirmation that they are working on the matter! Each time I call I get a different person who doesnt know what the others have told me, or about what was sent or faxed in. None of my emails or faxes were answered. Im at my wits end. Ive been a customer of the bank for 36 years. I shouldnt have to wait a month to get my funds restored on a check that is both fraudulent and stopped. The bank pays almost 0 % interest ; the only thing they are supposed to do is keep my money safe!. XXXX XXXX XXXX suggested that I contact you. I have enclosed the letters, and secure email and fax confirmation receipts, and willing to provide any other information that you might require. Please help me. 

____Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

The company offered us a loan and the payment practices were not made clear. The issues : If you do not opt for automatic payments, and decide to pay by check, they charge a {$7.00} check processing fee which is deducted from your payment. Checks issued can take up to a week to process when received. This will add up in interest charges. 2. They will ONLY accept the monthly payment ON the due date, otherwise, they process it as principal payment and you are still required to make the regular scheduled payment. 3.  Calling in a payment on the due date, is not same day processing, it will process on the following business day. Calling 2 days ( Thursday ) before your due date when falls on a Saturday, will not process until the following business day.. more interest. 4. The information provided in the loan documents and the web site, is not clear with their payment practices. In a nutshell, they dont allow monthly payments to be made early, dont allow multiple payments which add up to the monthly payment. Their current payment practices costs the loan recipient more interest.
Product: Mortgage

I originally applied for a mortgage loan with  Contour M ortgage in  XXXX  o f 2017. I w as prequalified by myself and at the time i did not want to add my husband. I later realized that for the type and size of house we wanted we needed to add both my husband and I on the loan. The lo an officer assured us that if he was added to the loan we could go as " high as we wanted '' ( his words exactly ). W e searched for a home and foun d one a nd asked him for a pre qualification letter on   XXXX   XXXX   , 2017 o f a certain amount on the advise of our realtor. She suggested this be done so the seller would agree to pay closing cost. The loan officer agreed. We contracted on  XXXX   XXXX  , 2017 with  a closing date of  XXXX   XXXX ,  2017 a nd a due diligence date of  XXXX ,  XXXX ,  2017 . We sent the loa n officer ev erything he needed which included     XXXX   XXXX  , bank statements and all disclosures he asked us to sign as soon as he sent them or asked for them. On  XXXX   XXXX     2017 the lo an officer informed us that I could not be on the loan because of a  XXXX  issue. ( after having this looked at by another lender this was showing clear ). The l  oan officer assured us at this time that we could proceed with this loan in just my husbands name.
As the due diligence time approached we did not hear anything from the loan officer so w  e called a day before on  XX/XX/XXXX , to see if everything is ok to close and to confirm that the appraisal was completed. The loan officer assured us everything is fine but no the appraisal has not been completed. The appraisal payment was taken from our account on  XXXX   XXXX ,  2017. It was  ordered an hour after our realtor called to ask about it on  XXXX ,  XXXX ,  2017. As the  closing date was approaching everyone involved including the seller was wondering why underwriting was n't complete. The appraisal still was not back as of  XXXX ,  XXXX ,2017. My realtor called someone in corporate to get a resolution and he confirmed that based on the income and credit report this loan has no problem being approved and assured her that he will do everything he can to speed up the process for a closing asap.     The final decision from underwriting came back on  XXXX   XXXX ,    2017. It  was denied due to insufficient income. This was not relayed to us. we had to call to get a status and that is when we were told that we did n't qualify due to not enough income for the price of the house. We still have not received a formal written denial as of today.
Product: Student loan

XXXX. I can not afford to pay a monthly amount of ~ {$800.00} toward my student loans, and I need to change my repayment plan from XXXX to Extended Fixed Repayment plan. 
XXXX. I was approved for the borrower defense student loan discharge. I need to confirm how much of my loans will be discharged and how long that process will take. So far I only see about half the amount removed from my total loan balances. 
XXXX. I am currently in school full-time this semester, half-time next semester, and am on track to graduate next XXXX. I need to know if I can be placed on in-school deferment during the time I am enrolled in school. 

First, I had to wait until 2 weeks ago to make the first contact to customer support because they were in the process of moving my balance from one servicer to another and all I could see was a {$0.00} balance and no monthly payment information. Finally, I was able to see my balance and monthly payment info on their website as of XXXX. 

Their website says I must contact customer service through phone call, email or chat. I tried their online chat service, but I only get an error message that states the chat service is down. I emailed them twice within the past 2 weeks and have not received any replies. I have called multiple times at different times of the day only to get an automatic message saying my hold times would be 6+ hours each time. I have tried every way possible to contact their customer support but can not get through. I need someone to contact me regarding the 3 issues I listed above before my first payment is due.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Experian, and XXXX, I am writing to formally submit this notice of violation regarding the handling of my consumer credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically concerning your agencys negligence in ensuring maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

1. Violation of 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy Your agency has reported an account related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was charged off by the creditor. However, this account has been inaccurately and misleadingly reported on a monthly basis as " charge off, '' despite the fact that a charge-off is a one-time accounting event. 
Under 15 U.S.C. 1681e ( b ), you are required to adopt and follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The continued and repetitive monthly reporting of this charge-off fraudulently extends the negative effects of the event on my credit report and is materially misleading.

2. Failure to Maintain Reasonable Procedures to Verify Information Provided by the Furnisher Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX are obligated to report only accurate and complete information. Your agency has failed to fulfill its legal responsibility to verify the accuracy of the information provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The erroneous reporting of both the charged-off status and the continued reporting of a credit limit on a closed and charged-off account is a blatant violation of your statutory duty. 
Such reporting is inherently inaccurate, as a charged-off account should not reflect a remaining credit limit, thereby misleading future creditors regarding the availability of credit on a closed and written-off account. 
XXXX. Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition Against Inaccurate Adverse Reporting The FCRA under 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that is inaccurate or misleading. By continuing to report the charged-off status on a monthly basis, XXXX, Experian, and XXXX is in violation of this provision, allowing misleading and inaccurate information to persist on my consumer report.

4. Negligence in Addressing Disputes and Correcting Information Pursuant to 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Despite prior disputes regarding the accuracy of the charged-off account, XXXX, Experian, and XXXX has failed to undertake any meaningful investigation or corrective action, resulting in the continuous reporting of inaccurate information.
Product: Checking or savings account

I transferred my money out of this Citibank account and asked that they close this account. However, I am getting emails saying I'm accruing fees they monthly. I've called but they put me on hold or say they need my account number to close my account. I destroyed my ATM card and banking information when I closed the account. I'm able to use my social security number for the automated system but when I speak with a Representative, they seemed to not be able to pull up my information.
Product: Credit reporting or other personal consumer reports

This is my complaint to KEYBANK NA for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Prepaid card

i made a payment 4 days before my car payment due date and rushcard has not sent my funds. I called to see whats going on and they stated no one can make online payment. I have more then enough funds and i asked to talk to a manager i was put on hold for XXXX min.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for a lease for an apartment in XXXX XXXX, WI at XXXX XXXX. They use CoreLogic real estate credit reporting. According to CoreLogic two XXXX County court actions, both settled immediately to the satisfaction of XXXX XXXX  in XXXX, WI, have not been expunged even though all rent and fees were paid and we received our security deposit back. This is preventing us from securing a new lease. 

I contact CoreLogic the end of XXXX 2017 and requested my credit report. They said it would take two weeks. I waited two weeks and called back when I did not receive my report. They had my SSN wrong and my address wrong and said the report was returned to them by the USPS. I requested the report again and was told to wait another two weeks which I did. I still have not received the credit report CoreLogic used to deny us housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is XXXX XXXX I want to submit this complaint because I have sent three rounds of dispute letters to TransUnion. One for the illegal collection fees on the account. And two asking for the original contracts of the supposed account. Three, asking for method of verification. After all this accounts remain with no method of verification and illegaly reinsertion of collection agency once already removed from credit report.
Product: Credit card

I was charged for a vehicle that never came because it was a scam XXXX XXXX. The vehicle was to arrive XX/XX/XXXX XXXXXXXX XXXX  The vehicle was never delivered, so I reported the incident to all my credit card companies. The particular company I'm reporting has lied about crediting my account for the full amount, which {$2500.00} USD. When I called to confront the representative about my balance not correctly adding to the right amount, then the man started screaming and talking quickly spewing numbers at me telling me what I bought and paid towards amount, fast telling me as if that was going to appease me about the balance. I asked him to not raise his voice with/at me then he toned down which he did. I wanted to go over my account transactions one by one, so I asked him to please give me a minute, then the phone call dropped. I never received a phone call back from him reference to the phone interruption. It dawned on me that wasn't an accident he meant to disrespect me and himself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

somebody got ahold of my social security number and got a loan from cash net usa in my name. they said that put XXXX dollars in my checking account on XX/XX/2017. this did not happen.