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

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXXd upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Product: Credit card or prepaid card

On XX/XX/2019 I was charged {$2800.00} for a car rental that was detained by the police. When I called dollar rental they informed me that they will pick up the car that day. The car agent never put through the request because when I called a month later after seeing a charge on my card she informed me that they never put the request in to pick up the car. She said she would have it fixed and wouldnt be charged for there mistake. I was still charged. They refuse to resolve the issue and my credit card will not remove the dispute since dollar rental is saying charge is valid. My card limit is XXXX but capital one accepted a charge of XXXX.
Product: Checking or savings account

I have been having nothing but false promises with this bank from day one from personal to business checking accounts. They were running a special that if you open the account with us you will get {$300.00}. Once you open the account they can't figure out the codes to apply the {$300.00} special. They advertise you won't get overdrafts with them. However, I have been getting nothing but overdrafts. I asked them to set up overdraft protection after they kept saying they could not get the system to refund the overdrafts but today was the final straw. I did my due diligence to protect my accounts. I went in and set up overdraft and they overdrafted me again on the XXXX. I went in to the branch today she said I am sorry but it was not set up correctly but I will fix it. The same response as before I requested a refund but the system won't give the refund. This is not fair and they know it is their error. She claimed there is nothing she can do at the Truist at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I see numerous complaints on XXXX but nothing is being done about their false promises about giving the promotional dollars or the overdrafts. They are not taking responsibility by saying the system won't refund the error for the overdraft fees. There are humans in the branch that can not function in an ethical manner because they are hiding behind the computer. I would like my {$36.00} overdraft fee refunded because I have done all I can do to protect my account and they are not being honest. The money was available and I did my part.
Product: Credit reporting or other personal consumer reports

I am reporting XXXX wrong and unauthorized inquiries on my credit report with Equifax, please remove the following inquiries off my personal report as soon as possible. 

XXXXXXXX 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

XX/XX/2024-XX/XX/2024 I was accessing my mobile online app now I cant and money was in my savings and checking they falsifying responses and reasonings they hacking my accounts through online banking and back office of the SoFi bank and they never called me and still havent and its been almost a month now
Product: Mortgage

Shopping for for mortgage online. Answered some question on New American Funding 's website. Was contacted by them via phone ( XX/XX/2023 ) Spoke with XXXX XXXX. He asked if he could ask some questions. At no time was permission given to do a hard inquiry on my credit report. XXXX proceed to pull this report anyway without my knowledge or consent. The only reason that I became aware was because my credit monitoring software alerted me. He was irritated when I told him I felt that the current offer I had from another lender was better. XXXX hung up on the call. Not only did none of this feel professional, it was also illegal to pull this report without my consent.
Product: Credit reporting or other personal consumer reports

Requests sent to update my personal information and my address with all 3 credit bureaus and as of Today XX/XX/23 XXXX and XXXX have not corrected the information on my report. I also filed a requests for them to remove Accounts off of my report with Experian and XXXX and XXXX the last one was sent back in XXXX. As of today they have not removed the requested Items. I am attaching a copy of the letters I sent to them with the requested Items and the rules supporting my request and all the supporting documentation that has been sent to them on XXXX different occasion. 

I would like to thank you in advance for your time and assistance with this matter.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my XXXX on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Checking or savings account

XX/XX/year> I received my taxes in my account. Someone texted me pretending to be a representative from chime then called explaining someone just my card information in XXXX. They need to change my accounts to fix it. I at first thought it was fake but when I said that to the guy he told me to check the phone number and its was chines. The manager asked me to send them my money in my account so they can put it in the new one. I was freaking out I was at work. So I did it after I sent it and told them my account said XXXX they hung up. I disputed this with chime about XXXX to 4 times. They always said it was declined, I gave the money to a friend, the people that investigate dont have phones where they are. Needless to say I never got my money back and it was almost XXXX dollars. So to read and find out its fdic insured and I didnt have to struggle makes me very irate. I am a single mom of XXXX kids I shouldnt have been treated that way and I would like my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

From last year XX/XX/XXXX onwards Equifax is withdrawing {$22.00} from my chequing account on the XXXX of every month XXXX and I found out about it only in XXXX. so I called them and told them that I did not do any business with them to or authorise anthing to be withdrawn from my account at all, I called my XXXX XXXX  regarding this and they said they put a stop payment and going to dispute wtih them as they could not solve it I thought they might have put a stop payment and i called Equifax to enquire about it couple of times in the month of XXXX and when I saw the same withdrawel from my account the same amount for the month of XX/XX/XXXX I called them and they did not answer me properly and hang up on me, And I told them that they can steal money from my account but could not solve the problem or find the reason for the withdawel, i am very upset, XXXX and due to pendamic I am unable to work and this big company is withdawing the amount from my account without a reason. so kindly request you to investigate and ask them to pay the compansation and stop withdrawing money from it to. 

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

I am helping a family with a home loan and the lender that we are working with ran my credit report. The next day ( This morning ) i have received over XXXX unsolicited calls from various lenders. XXXX of them told me that XXXX shared this info as I ran my credit yesterday. I did not authorize anyone to contact me and this harassment continues as I am getting non-stop calls. This needs to stop immediately. These credit reporting agencies have no business sharing my cell phone and contact info with lenders without my explicit permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1. XXXX XXXX  Account # XXXX 2.XXXX  Account # XXXX 3.XXXX Account # XXXX & XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

Last XXXX 2015 I filed a RESPA request with Chase see attached, and still it has not been responded to. I believe that my Consumer Rights have been denied ; AGAIN with this bank!! that is adament to foreclosing on me while keeping me unable to obtain my rights under our laws of the United States RESPA act. All of my complaints as of so far are essentially been ignored with the same responses from Chase that they refuse to acknowledge me as an American Citizen with RIGHTS!!!! I will not be foreclosed on by being kept from obtaining my rights!! to allow Chase to continue to abuse and rob me for its own financial gain!!! I demand this RESPA be responded to or I will be forced to approach our court of law to be acknowledged of this legal request!!!
Product: Checking or savings account

The bank claimed I cashed checks twice took too much money closed the account. They sent it to collections. AFTER ACCOUNT CLOSED they issued XXXX $ debited back to me
Product: Mortgage

I was looking to get a quote but when I gave them my name and address they started a application without my permission. I contacted them soon as I got the email from them stating they were starting a application. I told them their ad was misleading and I didn't want to apply for a loan with them. They contacted me right away and said they would cancel the application. That wasXXXXXXXX2020 then today I got a copy of the credit report they ran on me. I didn't give them permission to do so. The company is AmeriSave Mortgage Company.
Product: Mortgage

On XX/XX/2021, I called JP Morgan Chase and spoke to XXXX XXXX about applying for a mortgage on a condo as a second home. The mortgage was for {$60000.00} for a {$430000.00} condo with a down payment of {$370000.00}. On XX/XX/2021, I received a letter of a Conditional Approval for a {$60000.00}, 15 year fixed loan at 2.875 % with a LTV of 14 %. I was asked to provide additional documents and I submitted all requested documents. On XX/XX/2021. I signed a credit inquiry request. On XX/XX/2021, I received a rate lock letter confirming the loan amount and rate as stated above. On XX/XX/2021, I received another revised loan agreement with all the same information above. The appraisal confirmed the value of the condo. My attorney and the bank 's attorney set the closing date for Friday, XX/XX/XXXX a t XXXX am. All was set to close. On the afternoon of XX/XX/XXXX, XXXX XXXX called to tell me the loan amount was too low and that Chase could not make money on the loan. If I wanted to proceed with the loan, I would need to raise the mortgage amount to {$180000.00} with a 15 year fixed term at 3.25 %. This was on a recorded line. XXXX said that the loan did not meet the NY XXXX XXXX XXXX XXXX. I complained and said I would file a complaint. But I needed the loan and had no choice. I agreed to the {$180000.00} loan. I received the revised Chase closing letter on XX/XX/2021 in the morning. On the afternoon of XX/XX/2021, XXXX XXXX called me to tell me the loan was declined and my loan application was closed. I asked for an explanation and he said he did not have an explanation. I still do not have an explanation. The loan number is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX XXXX XXXX account # XXXX but XXXX shows that account # XXXX ) I am Attaching identity and proof of address.
Product: Debt collection

Not only did i not receive written notice but after contacting the creditor they did not send details about the alleged debt including : - Explanation of what the alleged debt is for - A calculation of this balance, including the complete payment history on this account, so that I have proof that the amount is correct. 
- Documentation that shows I agreed to pay this debt, including signatures. 
- The agreement that grants them the authority to collect on this alleged debt. 
- A copy of their state license, including license number. 

They are in violation of my rights as outlined within Section 809 of the FAIR DEBT COLLECTION PRACTICES ACT. Please remove the alleged debt from my report.
Product: Credit card or prepaid card

Hello, I signed up for a credit card from the First National Bank of Omaha. 

I was not properly notified of a {$39.00} annual fee. They claimed that they had notified me, but they had not. 

The gentleman on the phone claimed that a warning of this fee was e-mailed to me a month before, but if you look at the screenshot I sent, there is no mention of that. 

I tried to get them to waive or reverse the fee, one day after it was charged, but they would not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and experian show my score over XXXX points below XXXX. Every time I try to dispute items that are severely inaccurate, first they say yes we found your file how can we help you? Then they ask for further verification by asking me to choose one of five options that identify me, but every one thru propose is inaccurate so then they shut down any conversation or correspondence with me. They show me as having retail charge cards, I have none. They show me having lived in XXXX Georgia NEVER! they show my spouse as my deceased father! They show me having an auto loan with a lender that I do n't have an auto loan with. They show me as having tax liens, medical bills that are n't mine and public records that I am unaware of. I have 100 percent perfect payment history. My c card utilization is at 19 percent. I have never been late I have never had a bankruptcy they show XXXX hard inquiries that are not mine!! I make XXXX a mo as a XXXX XXXX specialized and certified in XXXX, same job for almost 3 yeRs. Same residence 3 years and 7 years prior state. No criminal record and yet I 'm being denied an auto refinance every month because of their derogatory credit ratings of me. I 'm begging you please help me get them to correct my file and delete the things that are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX/ASPIRE account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals
Product: Debt collection

canceled insurance moved to different company i have requested verification have not received any to prove the debt is owed but its still reporting to the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting this company asking for information on this account. I did not authorize this account. This account is not mine and i have told them that and they will not remove this fraudulent account XXXX XXXX XXXX XXXX acct # XXXX XXXX I also found some incorrect addresses on my credit report as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX I also found incorrect spelling of my name XXXX XXXX XXXX
Product: Checking or savings account

I have a chime account for a while, XXXX was my email for them I tried updating it to my new email XXXX and they made a error and created a new account which ended up getting them both closed and I have a balance of {$200.00} this was last year XXXX around XXXX, I attempted emailing them and calling which accomplished nothing they always tell me they were expedited the case to get it resolved, them emailed me to send copy of id and account info which I did to fix problem and get my money and that was the last I heard. I have called and emailed many times asking about my money which they said would be mailed by check in 30 days and nothing came, I'm owed {$200.00} dollars and no one there will give me a answer. Please help, I deposited the money on my card/account at XXXX XXXXl XXXX XXXX XXXX {$200.00}.
Product: Credit card or prepaid card

WHY DO N'T YOUR CUSTOMER SERVICE RETURN CALL THEY PROMISED THEY WULD???? CAN SOMEONE PLEASE CHECK ON A PROBLEM I HAVE BEEN HAVE WITH THIS ACCOUNT. YOU REMOVED {$.00} FROM MY ACCOUNT AS AN ADJUSTMENT ON XXXX XXXX, 2017. I HAVE NOT RECEIVED A CHECK FROM BANK OF AMERICA FOR THE {$.00}. I WANT TO KNOW WHAT HAPPENED TO THE {$.00} AFTER THE ADJUSTMENT WAS MADE ON XXXX XXXX. I AM AWARE THAT AN ADJUSTMENT WAS MADE ON MY ACCOUNT AND THAT THE {$.00} WAS RETURNED TO MY ACCOUNT. IF I WOULD NOT HAVE CALLED BANK OF AMERICA WOULD HAVE KEEP MY MONEY. WHY????? CAN SOME XXXX PLEASE CONTACT ME BY PHONE
Product: Debt collection

On XX/XX/2021, I was contacted by someone who appeared to be posing as a county clerk official and stating that I was going to be sued. They would not disclose any information regarding the " summons '' after I asked questions pertaining to the validity of this debt, but they provided me with an " affidavit '' number and a number to call the law office that was handling the lawsuit. Upon calling the number I was given, I was greeted with threatening language by someone named XXXX after trying to figure out what was going on. My first ever interaction with this company today, the representative hung up on me so that I could not ask any more questions. When I called back, I tried to get more information from them but was met with more threatening language that resulted in me feeling coerced to give up credit card information without the alleged debt being verified. This company claimed that they were a law office filing a lawsuit on behalf of the alleged creditor and I was going to be served at home, employers would be notified, all of my wages/assets would be seized, and I haven't even been able to verify debt. The information the representative had predates the contract in question by 2 years and I was not provided with written correspondence regarding these claims. After today 's antics I am certain that FDCPA rights are being violated. I did not sign a contract with National Management Recovery Corporation and they should be investigated for their collection tactics.
Product: Credit reporting or other personal consumer reports

I have sent a mail to Equifax on XX/XX/XXXX, requesting them to update my address information, name and remove a unknown block from my profile. Since I have not seen the change on my report a month after my written request, I called Equifax, today at XXXX and was informed they only received my online request on XX/XX/XXXX, and never received my documents that were mailed on XX/XX/XXXX. I was asked to resend another envelope with all my documents again. The mail was not returned to me even since I sent it, which concerns me since all my sensitive information like SSN, Passport copy, paystub was inside that envelope. I can not agree to resend all my important information to them when my first request was not handled carefully. When I asked about alternatively ways to resolve the issue, they mentioned there was none. I feel I am being wronged and they mishandled my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXXXXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX, XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ) I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

refi lender is getting 90 point difference from XXXX  and transunionXXXX however getting correct scores from XXXX  XXXX. How can they get different scores than i can pull as consumer i should see what they see
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : OAG CHILD SU Account Number : XXXX Account Name : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : ATTORNEY GENERAL-CHI Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX