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

Despite several disputes, Bank of America continues to report account with first delinquency older than 7 year to XXXX. The account should have been removed in XXXX of 2020, and was removed from both XXXX  and XXXX  but BoA continues to verify account despite being past the legal age.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

Got my own financing for a car so no need to run a credit report, and the car dealership ran my credit without my knowledge and approval. never signed or approved to do so
Product: Credit reporting or other personal consumer reports

I applied for a new credit card via a Federal Credit Union so I could close my bank account with XXXXXXXX XXXX due to XXXX continuously locking me out of my account when making electronic transfers. 

I was notified by the Federal Credit Union that someone had place an " XXXX XXXX Military Fraud Alert '' on my behalf with Experian. I spoke with Experian and was notified that they will remove the fraud alert. However, they could not divulge who put this fraud alert on my account which in my opinion is illegal. I am not, nor have I ever been in the military. 

I am putting Consumer Financial on notice that someone has interfered in my personal life on a level that is of some concern. Wire tapping, eavesdropping and hacking of my personal accounts comes to mind and I have done everything humanly possible to cease these hackers.
Product: Checking or savings account

So back in XXXX of XXXX, there was a transaction of {$300.00} via XXXX that was flagged on my account. I was told to go to the branch and speak with the branch manager. I explained to the branch manager that the XXXX transaction was in regards to my brother whom was using my XXXX information for his business. The branch manager then told me that my account would be closed and that Id be able to reopen my account after XX/XX/2024. After the XXXX of XXXX, I tried to reach back out to Wells Fargo but they told me that the account was being closed and didnt really give anymore info.
Product: Credit reporting or other personal consumer reports

At the end of year XXXX I did summit a dispute to reinvestigate with the XXXX credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the XXXX credit bureaus, for example on XX/XX/XXXX XXXX report XXXX XXXX, Equifax on XXXX and XXXX on time. Equifax report account on time on months XXXX, XXXX and XXXX when XXXX and XXXX reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between XXXX credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''
Product: Credit reporting or other personal consumer reports

Accounts Information : XXXXXX/XX/XXXXXXXX Account Number : XXXX Reason for Removal : Incorrect reporting, derogatory charge-off status inaccurate. 
Relevant Law : FCRA 1681e ( b ) - Accuracy of Information. 

XXXXXX/XX/XXXX Account Number : XXXX Reason for Removal : Improper reporting of charge-off status without proper validation. 
Relevant Law : FCRA 1681i ( a ) - Reinvestigations of Disputed Information. 

XX/XX/XXXXXXXX Account Number : XXXX Reason for Removal : Inaccurate status listed as paid, balance still inaccurately reported. 
Relevant Law : FCRA 1681g ( a ) - Disclosures to Consumers. 

XXXX XXXX ( 1st Account ) REPORTED MULTIPLE TIMES!! 
Account Number : XXXX Reason for Removal : Incorrect reporting of a paid account as derogatory, violating consumer dispute resolution guidelines. 
Relevant Law : FCRA 1681i ( a ) - Reinvestigations of Disputed Information. 

XXXX XXXX ( 2nd Account ) Account Number : XXXX Reason for Removal : Derogatory charge-off status without proper validation and dispute resolution. 
Relevant Law : FCRA 1681s-2 ( a ) - Responsibilities of Furnishers of Information . 

XXXX XXXX Account Number : XXXX Reason for Removal : Improper reporting of charge-off and collection status without proper validation. 
Relevant Law : Deletion of Collections 15 U.S. Code 1692 ( g ). 

XXXX Account Number : XXXX Reason for Removal : Improper reporting of charge-off status without proper validation. 
Relevant Law : FCRA 1681i ( a ) - Reinvestigations of Disputed Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are listing a business that ain't real with my personal info which was stolen and misused. I keep asking them to delete it They keep sending auto responses instead of addresses my concerns. The business the have listed on their site XXXX investments is not a company and they are displaying my personal address. They have 2 profiles created with random information of me under XXXX investments that they have no authorization for
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor 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 records 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2023 at XXXX, me and my husband went to a local Chase bank branch located at XXXX XXXX and used their drive thru ATM service to deposit money. We had {$1900.00} total in cash that we wanted to deposit. On the first attempt, we deposited {$940.00} which went successful. However, on our second attempt to deposit the remaining {$1000.00}, the ATM took the money in but revealed an error and gave me a receipt showing two transactions, one being the {$940.00} and the second one showing " Not Available ''. My husband and I took the receipt and the first thing we did was we went inside the branch to ask for assistance, the staffs replied saying that we have to call the number on the receipt. As soon as we got out of the branch, I called the number and reported the situation. I told them all the information they needed to file the claim and they told me they will give an reply in a few business day. On XX/XX/2023, Chase Bank deposited a temporary missing credit of {$1000.00} into my checking account and I was informed by email that they still needed to perform an investigation. On XX/XX/2023, Chase Bank took away the {$1000.00} missing credit and never informed me by email or phone regarding this decision. On XX/XX/2023, I logged into my checking account to see that Chase took back the {$1000.00} credit, immediately I called Chase Bank and after I was transferred to the claim department, I told them the situation and asked them the reason for the withdrawal. The claim department told me it was because they did not discover my money in the ATM during the investigation. I explained that I truly did deposit money in the ATM and they replied saying that if I need to provide a proof. I told them that I got this money from my mother who opens an restaurant and gave me the money directly from the cashier in cash and asked them what kind of proof do they accept. The agent did not answer my question and kept repeating that I needed some kind of proof and gave me their fax number to send the proof to their department. Till this day, Chase did not resolve this problem and my money is still not returned.
Product: Mortgage

On XXXX XXXX, 2016 XXXX XXXX XXXX, XXXX, submitted a loan modification application to Citi Mortgage on behalf of XXXX XXXX XXXX. We received a missing document letter from attorney XXXX XXXX, of XXXX XXXX, attorney 's for Citi Mortgage, dated XXXX/XXXX/16 and another XXXX on XXXX/XXXX/16. Each time we immediately submitted the documents requested to bank 's attorney. 
On XXXX/XXXX/16 an email from attorney XXXX XXXX stated that the loss mit review had been completed and the file had been sent to underwriting. It sated that it would take another 2 weeks to complete underwriting review. 
No new update past 2 week review period. 
On XXXX/XXXX/16 a new email was received from attorney XXXX XXXX, which stated that the review was not yet complete. 
Then on XXXX/XXXX/16 a new email from attorney XXXX stated that she would follow up with her client for an update. 
It has been forty seven ( 47 ) days since the file was sent to underwriting and we still have not gotten a decision on the loan modification.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian and XXXX XXXX. I just filed one with XXXX XXXX because I thought they weren't updating their files or the account on my credit report since I paid them off in XXXX of XXXX, but I noticed XXXX XXXX has been showing as settled with a {$0.00} on XXXX since XXXX of XXXX. I can't be sure if XXXX XXXX only updated my XXXX report, or if XXXX XXXX and Experian were notified and they just didn't update their records. But since I am noticing another one of my debts which shows as {$0.00} and paid off on XXXX since XXXX as well which would be the XXXX XXXX XXXX XXXX, and not on Experian and XXXX XXXX, then I believe its Experian and XXXX XXXX which are not doing their job. I need them to remove these accounts from my credit report now since they are clearly sabotaging my credit report. It is unlikely 2 different creditors only updated their info with XXXX. It is more likely that Experian and XXXX XXXX are simply not doing their job and correcting my report like they should be. Even more so since I called XXXX XXXX on XX/XX/XXXX and I let them know they needed to fix this. 

I now need them to remove these accounts from my credit report since they have been wronging me since XXXX of XXXX.
Product: Checking or savings account

It has been XXXX days and Capital One has not deposited my direct deposit. This is my one and only banking institution. I live paycheck to paycheck. I was not notified about any technical difficulties at all. I had to find out that this was a systemwide issue on the XXXX app. I was told my XXXX XXXX XXXXXX/XX/year> ) deposit would be available on XXXX XXXX XXXXXX/XX/year> ). Then on XXXX I was told my deposit would be available XXXX XXXX XXXX  XX/XX/year> ). Its currently XXXX afternoon and they have told me that there is no estimated time for my deposit available at all. They have completely stopped answering their phones at this time. Also, with knowing there was a systemwide issue, they attempted to shift the blame onto my employer. Thats disgusting. This is unacceptable. I have bills to pay. My leasing office doesnt care that my check hasnt been deposited, they will evict me. I work from home my Internet company doesnt care that my check hasnt been deposited that will get me fired from my job. Something needs to be done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Equifax Regarding Violation of the Fair Credit Reporting Act Dear CFPB, I am writing to formally lodge a complaint against Equifax for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B regarding permissible purposes of consumer reports. 

According to the law, consumer reporting agencies may only furnish a consumer report under specific circumstances, including the written instructions of the consumer. It is my contention that Equifax has not adhered to these stipulations in their reporting practices. 

Furthermore, the FCRA, as stated in 15 USC 1681 ( 2 ) ( a ) ( I ), outlines exclusions from a consumer credit report. It explicitly mentions that a consumer report does not include information solely related to transactions or experiences between the consumer and the reporting agency. My utilization of credit has been misrepresented in a manner that does not comply with these regulations. Utilization is an Experience To resolve this issue, I request that Equifax either remove the High utilization from my report and update it to 5 % or below, or remove the utilization data from my credit report altogether. This adjustment is necessary to ensure accurate reporting and compliance with the FCRA. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,
Product: Checking or savings account

I was previously with Simple Bank and switched over to BBVA. I joined Simple as they did not charge any fees. They heavily advertised Banking without fees. I do not wish to bank with BBVA and want to close my account. I feel it is not at all what I signed up for.

BBVA refuses to close my account. I contacted them XX/XX/2021 to close my account. They refused as I had a dollar in my account. From there they have strayed to charge me overdraft fees. I contacted them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to close my account. All three times they refused as now they say I owe them money, and the amount increases every time. 


I feel they should close my account and not continue to charge me any new fees. The terms of the account have been significantly changed since I originally signed up and they are imposing many new policies on me that were the exact things I tried to avoid by choosing the bank with Simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor 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 records 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Student loan

Request Re-Consideration of Qualifying Payments for XXXX XXXX Military Service Issue : Not getting full credit for Prior XXXX XXXX Military Service for XXXX in accordance with Waiver. 

I had 2 Direct Consolidations before XXXX for account history to credit time before then in accordance with waiver. 

My XXXX XXXX XXXX XXXX started in XX/XX/XXXX ( uploaded to XXXX XX/XX/XXXX ) Requesting XXXX XXXX XXXX Military Qualifying Payments be Credited to Qualifying to my account from the Dates XX/XX/XXXX thru XX/XX/XXXX ( 22 Qualifying Months ) & XX/XX/XXXX thru XX/XX/XXXX ( 5 Qualifying Months ) Supporting Documentation is A. Retroactive ECF Form from my XXXX XXXX XXXX XXXX ( Review A & B together ) B. DD-214 Honorable Discharge Paperwork ( Review A & B together ) C. Snapshot from Student Aid website that shows my loans prior to XXXX that XXXX could not see to give those 27 months of credit. 
D. Department of Education XXXX Fact Sheet ( Yellow Highlight shows XXXX XXXX will be Honored as Qualifying ) Desired Solution : Please review Supporting Documentation A, B, C to credit 27 additional qualifying payments for my XXXX XXXX XXXX time. Only Dept of Ed can see my Account History on Step C to show I had loans that pre-date XXXX to credit my XXXX XXXX Military Service. 

Tracking Forgiveness should be no later then XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Experian received a letter from me via Certified Mail. I have added a screenshot of the United States Postal Service mailing information for said letter within this mailing as proof. I have also included a copy of the original letter Experian received. My initial letter stated the following After reviewing my credit report in detail, I have found multiple inaccuracies on multiple accounts. I would like these accounts to be re-investigated. FTC credit reporting laws ensure that credit bureaus report only 100 % accurate credit information, and that every step possible is taken to ensure accuracy. 

I am requesting the following information to be re-investigated to ensure everything pertaining to my credit report is correct. I also ask that you would send proof to me via mail, pertaining to all investigations, specifically those you believe to be accurate. I also ask that you provide the correct name, address, and telephone number for each creditor sighted below. 

I am aware that by federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised, a full description of the procedure used to determine any discrepancy I have sighted below to actually be accurate information is hereby requested via mail within fifteen ( 5 ) days of the completion of your re-investigation. 

Please provide proof of the following for the accounts listed below : Payoff Disclosure ( if applicable ) Interest Rate Disclosure Balance History Payment History Credit Insurance All information sighted below At the time I am writing this complaint, it is now XX/XX/year> ; 32 days after my initial letter was received by Experian. I have also enclosed a copy of my credit report dated XX/XX/year> which shows that the disputed account below has not been removed from my credit report. 

I am aware that The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes within 30 days of receiving them. At this time, I have not received any information from Experian stating that an investigation has been started nor completed concerning this specific account. I have also not received any requests for, nor have I submitted any additional information, which I am aware would extend the timeline to 45 days for verification.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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: Student loan

Navient has contacted me on several occasions about 'special programs ' they have to help reduce private loan debt faster. I have applied for 2 different programs, one in XXXX of XXXX, in which I made 20 payments at $ XXXXmonth to a company called XXXX XXXX ( supposedly an affiliate of Navient ), and another I enrolled in for a loan for the amount of {$5500.00} in XXXX of XXXX. I paid Navient $ XXXX/month from XXXX XXXX XXXX. The company ( Navient ) then asked me to 'reenroll ' for the program because they had to assess my income again. I went through the process, then started receiving debt collector calls the month after from Navient, stating my loans are now in arrears. 
Original loan amount # 1 : {$5500.00} Today 's loan amount : {$17000.00} Original loan amount # 2 : {$2800.00} Today 's loan amount : {$7100.00} Original loan amount # 3 : XXXX Today 's loan amount : {$6100.00} Clearly Navient is making it impossible to pay off any loan, even the small ones. No one can explain why the amount keeps rising, even as I make payments. These are private loans that I am requesting be absolved, as they are clearly unable to work with consumers, unwilling to assist during financial difficulty, and unable to clearly explain why to ANY question asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. US DIST CT 2041135. Please remove this item ASAP.