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

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 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. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. 

The referenced item was previously deleted and REINSERTED and needs to be deleted once more before I seek to take legal action. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Past due on mortgage payment, they suggested verbally and in writing a re-payment plan of four payments to catch up. Never explained verbally or in writing that the loan would have a negative affect on my credit and would show that it is past due for the period of four to five months. Phone calls an letters have been coming at me daily as if they are moving to the foreclosure process even when the re-payments are paid as scheduled. My credit has been damaged and I am now unable to be approved for bidding and payment bonds to support my construction business income. They are reporting to credit companys as XXXX but I am paying to XXXX XXXX, that was old lender.
Product: Credit reporting or other personal consumer reports

This an a collection account with Portfolio Recovery collection account for a XXXX XXXX credit card from XXXX  The credit card limit was only {$500.00}. I don't know how the account balance was charged to over {$2000.00}. The last time I remember using the card was for a car rental with XXXX and I could never get a viable response.
Product: Checking or savings account

My account has not been properly working since XX/XX/23. The funds have not been properly reflected. Payments keep getting declined and no money is going in. 

My paycheck goes to my account through direct deposit, and it deposits a day before the holiday. I havent had access to my account since Thursday, every time I try to use my debit card it gets declined. I have reached out to my job for them to redistribute my check and they told me if it gets returned it will be added to my next pay period. I have payments to make these next two weeks. 

Also, when I ask what is the issue and what caused it, I dont get a good enough responce. My husband has chase as well and he did not have this issue. 

I am angry about all the fees I am about to have to pay for late payments and how it will affect my credit.
Product: Debt collection

Receiving bills during a time when I am considered " incapacitated '' and have been in and out of surgeries " since XXXX '' ( doctors note for XXXX XXXX XXXX attached ). 
And during this time, receiving Identity Theft notices and info about medical breeches from various companies. 
I lived at a different apartment complex at that time and was recovering from two surgeries, was on a knee scooter after that surgery ( using a walker currently ) and according to the date my bank says a check was attempted to be given at the leasing office. My personal emails and all info was breached and I even had to change physical addresses during my surgery recoveries.I even had to start sending my XXXX XXXX XXXX XXXX to my mothers home address in XXXX due to this event ( see attached as well ). 

I am still going through another surgery on XX/XX/XXXX ( next week ) but finally able to do a Fraud Report with XXXX XXXX on XX/XX/XXXX. The hack may have been due to the resident files that were stolen during a burglary in the apartment complex where I lived, called the XXXX by XXXX Management XXXX XXXX, TX ( XXXX referenced in complaint with CFPB # XXXX ). 

The XXXX reported the Burglary of the Building in XXXX, Case XXXX to precinct # XXXX to Detective Wall ( Phone XXXX ). 

The information I am giving is just a SMALL SAMPLE of the breach/identity theft issues I have endured, but wanted to al least send the state and federal proof so you do not think I am being dishonest about this. I deal with a permanent XXXX and this has been a nightmare for both me AND my creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Malpractice sales, scam people with false benefits information and maintenance fees.
Product: Checking or savings account

I have been banking with Citibank for the last 3 months. I am on a fixed income and have my benefits direct deposited into my account. When I signed up, I had just applied for the regular access account. After being with them a few months, I upgraded my account to Citi XXXX account. I've never had any issues with my account. I made a mobile deposit around the XX/XX/XXXX. I went to check my account the following morning, it was blocked. I reached out to the bank and to find out the my account has blocked and needed to speak to someone in the Fraud department. This conversation which lasted 2 hours and 45 min with no resolution. I had spoken with the 4 people in this department and they stated that the funds would be sent back to XXXX. As of XX/XX/2021 Citibank still has my funds. I have not been able to pay any of my bills. The only resolution they are giving me is they will mail a check within 15-60 days or I can go into a branch to receive my funds. I currently reside in TN and the nearest branch is in IL or FL.
Product: Credit reporting or other personal consumer reports

I requested for the following inquiries to be removed form my account which either I do not recognize or have any open accounts associated with. They were removed from one bureau but still persist on my XXXX and experian reports. Please remove this inaccurate information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX  XXXX CA XX/XX/23 {$5.00} ( XXXX ) with drawls XXXX XXXX XXXX XXXX XXXX CA {$15.00} total {$120.00} XX/XX/23 Called last week XX/XX/23 because XXXX XXXX XXXX XXXX XXXX CA took out XXXX {$18.00} withdrawals and they said they deactivated that card and a week later I have the above charges actually taken out of my account. No one is helping get my money back and they said I have to sign papers that will be sent in the mail to make sure it is our account. I gave them all my information and they still dont believe it is my account or I didnt do the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeated denials for Discover bank cash checking account. The reason are stating   XXXX   XXXX   has something blocking an approval for their checking account.   XXXX   XXXX   customer service has stated their is no derogatory information and that I have a clear report. DISCOVER BANK stated to apply again and denied again for the same reason   XXXX   XXXX  . My risk from  XXXX  to  XXXX  is  XXXX , nearly a perfect score?! So something does n't make since in this.
Product: Vehicle loan or lease

I have a car loan for my XXXX XXXX XXXX that I purchased in XXXX. I financed the vehical through Toyota Financial Services, I made a payment for XXXX XXXX and was told that they never recived it but it was taken out of my account and I have proof. I have not missed any payments as I was trying to buy a house and was almost there until this incident happened and now my credit has gone down almost 100 points, it has completely ruined my credit and my life because now I cant better my life in anyway, I cant upgrade my vehical I cant get a house and I cant get into a better apartment because my credit is so bad. I have called 5 times to Toyota financial and written a email, and sent fax of my proof for my missing payment 2 times, and have not gotten help from any of the workers from Toyota financial and I even went to XXXX of XXXX and had them fax my info to Toyota Financial Services and they said they still dont have anything from me.
Product: Credit card or prepaid card

To Whom It May Concern : I am having trouble to get a problem removed from my credit report.My credit report is reporting late payments on the credit card. I have never been late. I have always made my payments on time. I have tried to correct this problem with the company and the credit agencies and they have not gotten back with me. I have not received no correspondence from neither. I am asking for you help to remove these negative marks from my credit report because it is damaging my life. 

Capital One Account # XXXX
Product: Debt collection

Someone from XXXX MD accrued {$3000.00} in my name with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the debt was sent to XXXX XXXX. I received a call from Convergent trying to collect {$3000.00} from me. 
I have never used XXXX XXXX, and I have never even visited Maryland let alone lived there. I have been a victim of Identify Theft. 
I tried to contact XXXX, XXXX, and XXXX XXXX. The debt in still under my name. I have put a security freeze on my account until this issue is resolved..
Product: Credit reporting or other personal consumer reports

Here are the documents requested to confirm my identity. A copy of my Social Security Card, Passport ID, and a copy of a Utility Bill. Please update my file accordingly matching my personal information. The only name appearing on the credit file, should be XXXX XXXX XXXX. Nothing else, like XXXX XXXX, XXXX XXXX. 
Thank you in advance for your cooperation.
Product: Credit card or prepaid card

When I was working at the airport my purse got stolen, my money just everything. I had to close all my accounts, also get a new state ID. My purse got stolen in XXXX or XXXX, I forgot i just know everything got stolen. I didnt know I had to report anything else because I didnt know it was credit cards made in my name. When I did find out I reported it soon I got paper mailed to my house. I didnt know anything of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with you in regards to XXXX. I have filed multiple disputes on two US Dept Of Education Loans reporting to my file that have ruled in my favor now four times. 

The account has been closed after the dispute. 

What I am disputing is XXXX XXXX reporting method. 

Before the most recent dispute I was at a XXXX on my credit score. 

After this company fraudulently reported information to my credit report it changed to XXXX. 

After the dispute was approved and found in my favor my score changed to XXXX. 

This issue has cost me dozens of points in my score and is not the first time that this has happened.
Product: Student loan

I received a letter dated XX/XX/18 from Credit Adjustments , Inc regarding defaulted student loan. This was a defaulted student loan to someone with my same first and last ( maiden ) name and it has been following me since the late XXXX though I keep disputing it - I am not the person they seek and I have not defaulted on any student loans. Most recently in XX/XX/2018 I was contacted by the Dept. of Education regarding this loan and as requested I sent them a copy of my social security card and passport to dispute the loan but just a few weeks later I get this letter from Credit Adjustments. About five years ago I was contacted by a different debt collector regarding this loan and after submitting a complaint to the CFPB they stopped contacting me. Debt collectors need to do a better job verifying the people they harass are the actual people they seek.
Product: Bank account or service

I filed against Chase Bank refused refund {$900.00} for unfair and deceptive banking service, new account, and general practices. In addition, I do not happy with declined checking account with unfit Oregon resident records. I do not interest in XXXX XXXX XXXX within Oregon resident telling to U.S. Senators in highest serious matters! 

I was not happy with XXXX, XXXX XXXX XXXX, and Chase Bank in having hidden discrimination against my appearances & XXXX addresses and they hated my appearances as they made bad threatened against my appearances as everyone does not like me when I walked in these banks in Oregon due of unfit Oregon residents. I filed against XXXX XXXX XXXX, Chase Bank, and XXXX refused refund {$900.00} for unfair and deceptive banking services, overdraft, general practices. In addition, I do not happy with banking services with unfit Oregon resident records. I complained must released to file charge against these banks whose refusal refund {$900.00} in highest complaints against XXXX XXXX XXXX as they made bad threatened against XXXX XXXX XXXX that I do not allow female employees handle in this case. I was not happy with these XXXX, Chase Bank, and XXXX XXXX XXXX in bad banking business against XXXX XXXX XXXX appearances. They do not interest in meeting with XXXX XXXX XXXX as they avoid XXXX XXXX XXXX addresses messages to U.S. Senators and XXXX XXXX XXXX. Sincerely, XXXX XXXX XXXX cc : XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, IA. XXXX. 
Caliber Home Loans is my mortgage holder -Account # XXXX. 
Apparently, Caliber 's home office is in Texas : XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX On XX/XX/XXXX, I received a notice from XXXX XXXX, IA of taxes due. I tried to call Caliber Home Loans to ascertain if the taxes had been paid out of my escrow account which is the norm. I was transferred around. Third party representatives could not find my account. 

Thus, to insure the integrity of my property, on XXXX XXXX I paid my taxes-see below. 

Today, I retrieved my mail from my XXXX XXXX XXXX, XXXX, IA XXXX. My monthly mortgage statement was in the mail. The monthly mortgage statement does not reflect that I made the tax payment out of my credit card. Instead it reflects that the taxes were paid out of my escrow account. 

XXXX XXXX Iowa confirms that I paid the taxes online, NOT CALIBER Home Loans. 
Therefore, there is {$320.00} missing from my escrow account. 

As of XXXX AM, XXXX, I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
XXXX stated that he was transferring me to a second tier to see if there was a way to end the escrow tax payments. Note that was not the primary reason for my call, I want to know where my {$320.00} is. XXXX stated that she would stay on the line and connect me with the tax department to find out where my money was. Instead she transferred me to XXXX, who sounded like she was offshore and then either hung up or disconnected me. 

I subsequently called back and spoke with XXXX who refused to transfer me to a supervisor and instead transferred me to XXXX, who had no idea why I have been transferred to her. 

I requested of XXXX that I be transferred to a supervisor, who then transferred to the tax department to XXXX. XXXX can not find my account. As I write this I am on hold for a supervisor. 

I am requesting that the Attorney General 's Office of the State of Iowa not only assist me in ascertaining where my escrow money is, but also require an audit of Caliber Home Loans with respect to their customers in the state of Iowa. 

Thank you for your time. I look forward to your response. 

Sincerely, XXXX XXXX XXXX, XXXX. ; XXXX XXXX Receipt # XXXX From : XXXX Sent : Fri, XX/XX/XXXX at XXXX am To : XXXX XXXX XXXX TREASURER XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DATE : XX/XX/XXXX XXXX AM OPER : WebPayments TKBY : WebPayments TERM : XXXX REC # : XXXX XXXX Tax Collections Parcel : XXXX Second Half Owner : XXXX XXXX XXXX XXXX XXXX Tax XXXX Paid By : XXXX XXXX XXXX XXXX REF : Import Payment
Product: Checking or savings account

I opened a high yield savings account with Citibank XXXX and deposited {$200000.00} on XXXX XXXX 2020. Citibank shut down my account shortly on XXXX XXXX without contacting me in any way and did not provide any methods to return my deposit. I contacted their customer services to let them know I need to pay bills using the money stuck in this account. And their customer services agent did not know anything except mentioning I would receive a snail mail letter explaining why my account is shut down. They can not provide any information about how I can get my money back. This is very frustrating and put me in financial jeopardy given the urgent need for paying bills.
Product: Checking or savings account

I made the reservation on XX/XX/XXXX and canceled it by XX/XX/XXXX. XXXX advised me to contact my bank during a phone call, even though I had canceled the reservation a couple of days in advance.
Product: Mortgage

We stated specifically that we were looking for a home that was completed at the latest end of XXXX because our son was starting school. We signed the contract for a new home XX/XX/XXXX and given a range for closing of XXXX. During that time we applied for a loan using their lender to get the XXXX as show as an incentive for using their lender. During this time we also were contacted by Pulte insurance and started the process of getting home owners insurance through them thinking its all in out and would make things easier. Since doing that the insurance has been given closing dates of XX/XX/XXXX and XX/XX/XXXX. After confronting both XXXX mortgage and our sales consultants with the same dates shown on the documents we were told that those aren't actual dates. During this whole time XXXX has been offering incentives to bring down the rate for new home owners. Like offering 4.625 %, 4.25 % and currently 3.875 % to help entice buyers. Today XX/XX/XXXX I went in and confronted our sales agent about the closing date and lack of communication. I was told that the current offering doesn't apply to any homes within that community because they wouldn't be finished in time. Which begs the question why show the promo on the community page as if it was offered. When also questioned if we would be able to get one of those rates instead of buying the rate down we were told that is only for new customers. After review of the fine print no where does it state " new customers only ''. As of today we still do not have a close date and have paid to lock our rate that ends at the end of the month. I was told during my conversation with the sales agent that the builder has 2 years to complete the house and they pushed our range out again from XXXX to XXXX. Because of this move we will end up having to potentially pay more to continue to keep our rate locked at a higher rate then they are currently offering. If they weren't holding $ XXXX of our money we would be looking at a different home.
Product: Credit card

Complaint Against Chase for Falsely Flagging Transactions as Fraud and Locking Credit Card. 

I recently applied for the Chase IHG Rewards credit card to take advantage of a promotional offer that provides bonus points for spending {$3000.00} within three months. I purchased a new home and was buying drapes from a company called Twopages, which appears to be based in XXXX. On XXXX XXXX XXXX, I made multiple transactions with Twopages. The first two transactions were processed without any issue, but the third transaction was declined. I did not receive any notification, alert, or request to verify the transaction as legitimate. 

When I contacted Chases fraud department, they asked for my phone number to verify my identity. After providing it, they informed me that their system would not allow them to verify me further. I asked to verify my identity using alternate methods, such as my Social Security number, but they said they are limited by their system. I was told to call back and try again in hopes that a different verification method might be offered. 

This issue has been ongoing for over two weeks, and I am still unable to use my Chase IHG credit card. As a result, I have been forced to rely on another credit card from a different bank to complete necessary purchases for furnishing my home. I even paid the statement balance already and I'm still flagged for fraud? Seriously. 

This situation has caused significant frustration and inconvenience. It has delayed my ability to complete essential purchases and jeopardized my eligibility for the promotional bonus points. The lack of a reasonable resolution process is unacceptable.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me. This is hurting me because I am in the process of purchasing my XXXX  home. Please remove fraudulent accounts from my credit reports as soon as possible.
Product: Credit reporting or other personal consumer reports

Negligence when it comes to an investigation Experian Rep stated that they dont do a real investigation they report whatever information a company is so call stating which isnt fair as a consumer. Whats the purpose of the FCRA if Experian isnt following protocol with removing inaccurate and wrongful information. My rights has been violated.