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

I bank with regions bank in XXXX XXXX XXXX on XXXX XXXX and I keep noticing that my balances on my account change after through pending. They are charging me overdraft fees and I have a message that clearly says what my starting balance for that day is and my online banking shows different. I have told a lady that works at my bank that I've seen it happen bc I am constantly checking my bank account and she looks at me like im crazy and says I need to come in and show her when it is happening. I shouldn't have to get into my car when I get off work and go show her anything while it is happening and besides that its closed when it happens.
Product: Mortgage

Just refinance house with cashcall mortgage, they are withholding funds from the loan. I have the payoff amounts on my house, and they overpaid and should have to reimburse me
Product: Student loan

The interest rate was crazily increased to 11 %. I don't have control of the co-signer 's credit score.  Therefore, I want to remove the co-signer. I sent a request to Navient to remove the co-signer but my request was rejected by Navient. Navient stated that I did not make a minimum 12 payments and I did not submit proof of income. See attachments. I counted more than 12 payments and sent a recent " pay stub ''. See attached invoice, I operate my own business overseas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

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

I signed up for a new XXXX business checking account in XX/XX/XXXX under a promotion they were offering for new customers to deposit {$3000.00} and receive a {$500.00} sign up bonus after holding those funds for 60 days. 

I deposited {$3000.00} on XX/XX/XXXX and still have not received the bonus. I have left the initial {$3000.00} bonus in, and the requirement was to hold it for 60 days which I have also done. 

Today I called their support line since the {$500.00} never showed, and they said they would not honor the promotion because it was not " new money '' that was added to the account. When opening the account, they give you many options to fund the account such as transfer from another bank, funding from a credit card, XXXX, etc. 

I chose the option to fund from a credit card and today the rep said that this does not count as " new money. '' This seems very disingenuous that they offer this promotion and then give you the option to fund with a credit card but then tell you that new money added to an account is not new money.
Product: Credit reporting or other personal consumer reports

I Listed 4 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .Listed inquiries de not belong to me and must be removed form my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX OPENED : XXXX These accounts have led to multiple fraudulent hard inquiries and collections appearing on my FICO credit report, causing me significant stress. I request that the fraudulent items previously mentioned be removed from all of my credit reports and that any collection activity related to these items be halted, in accordance with my rights under the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXXfrom the US Federal Trade Commission, which confirms that all the credit accounts, collections, and hard inquiries in question are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report the failure to remove two fraudulent student loan accounts from my credit report, despite submitting a valid FTC Identity Theft Affidavit and all required supporting documents. These accounts were opened fraudulently at XXXX XXXX on XX/XX/year> under account numbers XXXX and XXXX. 

In XXXX, I submitted my FTC affidavit disputing these accounts and provided all necessary documentation to have the items blocked and removed in accordance with FCRA Section 605B. However, despite compliance with the legal requirements, these fraudulent accounts remain on my credit report.

I have spoken with several supervisors who informed me that the accounts could not be removed due to an internal " POLICY '' that conflicts with the procedures mandated by law under FCRA Section 605B. This policy does not align with the federal protections afforded to victims of identity theft and has caused significant harm and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian release my personal information after my XXXX XXXX was pulled by my local bank for a home equity line of credit on XX/XX/2022. Im now receiving calls from lenders on average of 50+ calls a day. Experian was never authorized to give anyone my home address, phone number or details of why my credit score was pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I provided Experian Report a letter explaining the identity theft under my personal information from the account listed below. It has been a while and I have not recieved feedback from Experian. The account that was opened, was used a address that is not my address. I have provided my documents that shows my real address and proof of the identity theft. All other credit reporting agencies have removed the item besides Experian. I demand a removal of this item DISPUTE : XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit bureau and Equifax credit bureau is reporting an inaccurate pay history for XXXX XXXX XXXX  stating that I did not pay the month of XX/XX/XXXX. I have attached the pay history that clearly shows that I made a payment of {$140.00} on XX/XX/XXXX. I recall calling the creditor XXXX XXXX XXXX and inquiring why they were reporting no payment made in XX/XX/XXXX when you can clearly see I made a payment on XX/XX/XXXX in the amount of {$140.00} from the payment history. They stated that there was a glitch in their system, that is not my fault and they need to correct my payment history immediately.
Product: Credit reporting or other personal consumer reports

I have been writing letters to have the inaccurate information removed from my consumer report. There are incorrect addresses on my report. Places I have not ever lived. violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. My credit report contains inaccurate information that I have disputed with the credit bureaus, but they have failed to correct the errors as mandated by law. 
Please investigate this matter and take appropriate action to enforce compliance with the FCRA. 


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 or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX 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 discovered this collection item in my credit report in XXXX 2015. I contacted ProCollect in writing to request validation. Their response was to send me a computer screen shot of a move-out summary for an apartment complex that did not contain enough information for me to determine if I am responsible for this alleged debt. I do n't recognize any of the information. In XXXX 2015 I again requested, in writing, additional information. I did not receive any response. I have requested for the credit bureaus to investigate this item as I still do not believe I am responsible. ProCollect continues to verify the information as accurate to the credit bureaus without having provided validation to me. I again contacted ProCollect, in writing, in XXXX 2015 demanding validation be provided to me. I still have not received any response whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to retrieve my consumer report. Due to the previous identify theft issues I will provide a notarized affidavit of identity.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance Owed : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$1600.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent FOUR certified letters toTranUnion over the course of SIX months, asking for proof of verification of four items on my credit report. I asked for information on HOW they verified, WHO at their agency verified this information and that if they can't provide this information to please remove this info, per the FCRA. 
In each case, they only responded that they verified ( not how, not by whom, etc ). It appears to me that they may have only contacted the creditor for verification, without providing me with documentation as to how/who verified this ( on the creditor 's part nor the CRA 's part ). 

Per the FCRA, I ask that these tradelines be removed from my credit report due the the credit reporting agency 's multiple violations of the Fair Credit Reporting Act. 

I have copies of ALL of my correspondences with the CRAs ( including certified confirmation of receipt of my correspondences by the CRAs ).
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I partial disputed twice {$320.00} and shows up on my citi statement on XX/XX/XXXX as XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$640.00}, {$12000.00} XXXX pesos ( exchange rate ). 

On XX/XX/XXXX I paid online and got on email from XXXX  XXXX confirming my hotel reservation, the total reservation amount of {$12000.00} XXXX pesos, and the deposit that I paid the same day, XX/XX/XXXX, which was {$6200.00} XXXX pesos. 

I paid the deposit with my XXXX credit card, transaction date of XX/XX/XXXX XXXX XXXX XXXX in the amount of {$310.00} or {$6200.00} XXXX pesos ( exchange rate ). 

Yes, the merchants name shows up differently on the two credit card statements. 

After my stay at the XXXX XXXX XXXX, I realized they overcharged me because I had already paid half the total amount ( the deposit ), {$6200.00} XXXX pesos, using my XXXX XXXX  XXXX  on XX/XX/XXXX. On XX/XX/XXXX I should have only been charged the remainder of the total reservation amount, {$6200.00} XXXX pesos, {$320.00}. I reached out to the hotel, and they told me it was an error on their part, but they stopped responding to my inquiries shortly after and still are. Therefore, I decided to dispute the charge with Citi immediately. 

Since this was a partial dispute, on XX/XX/XXXX I paid Citi for what I owed, {$6200.00} XXXX pesos, half of {$640.00}. 

Citi denied my dispute twice and again after I sent in a letter explaining more in detail the situation. I disputed this overcharge immediately so Citi would have no excuses when it came to helping me.
Product: Checking or savings account

A few months ago, my credit card was compromised and it took nearly 2 months for Suntrust to take action and credit me for the fraudulent charges on my account, and only acted once I submitted a complaint to your organization. Since then, I have not felt that my money is safe with Suntrust, so I have maintained the minimum required ( {$500.00} ) to avoid the maintenance fees. Last month my account fell below the {$500.00} for one day, which resulted in a {$7.00} fee. I called, and the representative waived the fee and guaranteed me that although my account would take a few days to reflect the maintenance fee reversal, I would not be charged later this month for a maintenance fee. Today, I noticed I was charged the maintenance fee and when I called I was told that I was charged a fee due to the few days it took for the reversal of the fee to go through. I spoke with XXXX XXXX and he said I was ineligible for a fee reversal.