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

On XX/XX/2018 I opened an account with CIT bank and deposited XXXX. Since then I have been trying to transfer my money out after it cleared and they told me my account was under review. 30 days late and it is XX/XX/2018 and I am still not able to withdraw my funds from this account. They said it was still under review, are very vague with me about what's going on, never return my calls, and said they have no idea why I can't access my funds after 30 days of it being on hold for a so called review. This is a horrible bank. I just want to transfer my money out of this account and close it but they won't let me. And they told me they would send something in the mail to me. They dont even know what it is they are sending me and can't tell me. I've called 8 times over the course of a month and never received anything. I just want my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from wells Fargo untill you called in XX/XX/XXXX saying I missed XX/XX/XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XX/XX/XXXX payment was missed ... I didn't know where to remit payment and I paid both XX/XX/XXXX and XX/XX/XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018
Product: Credit card

Goldman Sachs refuse to reimburse me for services I paid that I did not receive. 
I paid for medical CT scans from a doctor with my XXXX Goldman  Sachs card on the premise that I was to receive copies for my records. I did not receive my scans from the doctor till XXXX later. I filled a dispute with Goldman Sachs for XXXX XXXX XXXX XXXX ordered. I have provided proof dated envelope sent from the doctor with a XXXX XXXX XXXX XXXX  the later than when I ordered the service. I have provided receipts from the doctors office showing my purchase. 
They continue to decline my dispute. This has been going on for over for XXXX  year already!!
Product: Debt collection

They furnished a report without my permission, which is a violation pursuant to 15 usc 1681b ( 2 ). They furnished a report without my permission. They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the power to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I can deem what is private to me. They also said I defaulted on a judgement when pursuant to 15 usc 1692g ( c ) nobody is allowed to say I owe anything.
Product: Credit reporting or other personal consumer reports

I was never late on my car loan, I was involved in accident and waiting insurance to pay the dept. unfortunately in my credit report there was a late which is not my responsibility at this time. Ive contacted to XXXX XXXX services and they agreed that its an error and they suggested me to dispute the error with credit bro companies. 
This was on XX/XX/year> The amount XXXX XXXX monthly payment wich went late because I had no control at that time and we all were waiting for insurance to finalize and pay!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount. The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties. XXXX XXXX, XXXX & Equifax continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing someone else details on my credit report when checked with " XXXX ''. I only have 2 credit cards on myself which are XXXX and XXXX  but I see there is a third credit card which is called " XXXX '' which does not belongs to me and someone is maintaining that credit card along with that there another account called " Torres Credit SRV '' which is some debt collection service and shows that I owe {$280.00} but I donot owe money to anyone or any credit cards. 

I make my payment on time. Because of there 2 reasons my credit score got dropped by XXXX points when checked with XXXX but when check with XXXX or XXXX my credit score is correct which I was expecting. 

I tried reached out to XXXX support and they raised fraud request on both companies and told me to file a police report as well which directed me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, Sent a letter to XXXX, Equifax, and XXXX informing them the information they are report to my consumer report is inaccurate.
Product: Credit reporting or other personal consumer reports

I noticed that there were multiple addresses recorded on XXXX, XXXX, and TransUnion. My correct address is the one indicated on the billing information I am sending you along with this complaint. There is also a misspelled name entry under TransUnion. I tried sending them letters to request the removal of this incorrect information on my report, but apparently, they are still there as we speak. It has been causing me inconvenience whenever I apply for a bank loan or credit card because the creditors question me about these multiple addresses and employer information that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/19 I received a notice from myfico.com that my Equifax score had dropped 20 pts. the association given was a hard inquiry by XXXX. I do not nor have I have applied for credit with XXXX. I immediately contacted Equifax to file a dispute. Some time later I contacted Equifax by phone after being unable to access my credit file through their site. I was told that XXXX upheld the hard inquiry and that I would have to contact XXXX to have it removed. I did so and XXXX repeatedly gave me the run around stating I had to know how I applied with XXXX to have it removed. Even though I repeatedly told them I had made no inquiry. I was also told by XXXX that I needed to give them all of my addresses and my social security number so they could determine which XXXX location ran my credit. I finally refused and told them they needed to remove the inquiry as I didn't authorize it. I was eventually sent an email from XXXX XXXX stating the inquiry would be removed. However, Equifax continues to state the inquiry was upheld by XXXX and my credit score is still the same.
Product: Mortgage

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX DOB : XX/XX/XXXX SunTrust Mortgage Bank Loan number : XXXX Tracking number : XXXX Case Number : XXXX XXXX Homeowners Insurance Policy Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wind Policy Number : XXXX XXXX XXXX XXXXXXXX or XXXX XXXX XXXX XXXX XXXX Claim Number : XXXX Issue : Scheduling a 50 % Inspection the lease on my rental house expires on XX/XX/XXXX. I was evacuated from hurricane Florence. My house had over {$350000.00} of damage and is currently not inhabitable. My immediate need is to have an inspection to collect insurance monies for work completed so my contractor will continue to rebuild my house. I have no place to live after XX/XX/XXXX so timing is critical. I discussed this issue several times with Suntrust with no understanding or effort on their part to correct this problem. I originally called for a 50 % inspection on XXXX/XXXX/XXXX. I followed up after 5 working days on XX/XX/XXXX. I called a third time on XX/XX/XXXX. I called a fourth time on XX/XX/XXXX and a fifth time on XX/XX/XXXX. I was told an inspector called me on Friday, but I have no records on my phone of any type of call. As of XX/XX/XXXX, no inspector has contacted me. This represents a time period of 18 days. SunTrust states that an inspector will contact me within 5 business days after I request an inspection. What is the issue? As of XX/XX/XXXX, no inspector has contacted me. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After several disputes being returned as accurate with multiple agencies and the creditor even though they are all reporting different information for the same item, I am filing this complaint with the following evidence. On XX/XX/XXXX I submtted a dispute via certified mail to Experian, XXXX, and XXXX regarding a violation of 15 U.S. Code 1681e ( b ) on a reported item First national Credit Card- Account # XXXX. All companies responded that the information was verified with XXXX and accurate. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies. I also sent a certified mail validation and verification letter to XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX XXXX sent me a letter stating all information is being reported correctly to the credit agencies. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies that are claiming they have verified these items with XXXX. On XX/XX/XXXX XXXX sent me a letter stating that they do not fall under the FCRA as they are not a debt collection company and that they are reporting information based on their files. XXXX can not be reporting accurately as different amounts, dates, and information are being reported to three different credit agencies that are all claiming they have verified these items with XXXX On XX/XX/XXXX I received another letter from XXXX stating they have investigated the matter again and have found they are reporting accurately to the credit bureaus. Also that they consider the matter resolved and will not respond to additional inquiries unless new information is provided. As stated before they can not be reporting accuately as three different credit agencies are reporting different information. After each dispute one of the agencies will either remove the information all together or not at all instead of removing the item for the violation. On XX/XX/XXXX XXXX sent me a letter stating that they would not process my dispute due to identification issues ( CFPB Complaint # XXXX ). On XX/XX/XXXX XXXX sent me a letter acknowledging receipt of dispute and a copy of my credit report but did not process the dispute nor update me. They did however " update '' information on my credit report. If the creditor is reporting information to these agencies then why are they reporting inaccurately or removing just the disputed information and not the item itself? Also, if XXXX is allegedly reporting the same " accurate '' information then why does each agency possess different information for the same items?
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 USC 1681c-2 ( a ) ** Dear XXXX Customer Service, I am writing to demand the immediate blocking and deletion of all fraudulent accounts and inquiries that have appeared on my credit report as a result of identity theft. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) to have all unauthorized information permanently removed from my file. 
The fraudulent entries I have identified are as follows : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Credit Inquiries : XXXX XXXX XX/XX/XXXXXXXX  Under federal law, you are required to block this information from my credit report upon confirmation of identity theft and provide written confirmation of its removal. You are also obligated to notify me of the outcome of your investigation, including the evidence used to determine the validity of any reinstated information. 
I have included the following documentation to assist with your investigation : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report Your companys negligence has already caused me undue harm, and I will not accept further delays or inadequate responses. If this issue is not resolved promptly, I am prepared to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure that my rights are upheld. 
This matter requires your immediate attention. Please provide a written response and confirmation of the actions taken within the legally mandated timeframe. If additional information is required, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt compliance. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit card or prepaid card

In XX/XX/XXXX, I took advantage of a promotional offer from Bank of America for a balance transfer for 18 months at 0 % percent interest rate. 

On XX/XX/XXXX, I notified Bank of America of a fraudulent charge from XXXX XXXX  that was pending and asked BOA to block this charge. I disputed this charge several times. BOA refused for months to remove the charge from my account although XXXX XXXX confirmed it was fraudulent and cancelled. 

During this period BOA began charging my account interest, and for the next six month refuse to reverse the charge and interest. In addition, raised my minimum payment due based on this fraudulent charge. 

I again reached out to BOA XX/XX/XXXX the assured me the problem would be taken care of and charges reverse. To date, BOA of America has refused to reverse said interest charge and lower the minimum payment due in accordance to the promotion offer. 

BOA is engaging in deceptive and fraudulent business practices in commerce trade and I would like to file a formal complaint and asked CFPB to investigate and enact or enforce laws that would prevent bank from engaging in this deceptive business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently disputed inaccuracies with the CB. The credit reporting agencies stated that my accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requested to know all the steps your agency took to insure the items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquiries that are reporting on my credit report. 
XXXX XXXX XXXX requested on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX requested on XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX requested XX/XX/XXXX XXXX  XXXX XXXX requested XX/XX/XXXX XXXX XXXX  XXXX requested on XX/XX/XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXX requested on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate unverified accounts on the three major credit reporting companies ( Experian, XXXX, XXXX ) XXXX  deleted the accounts, but Experian and XXXX are still reporting as verified. I have requested validation of the debts from the collection agencies ... .... 
XXXX XXXX XXXX {$930.00} and {$1500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2900.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2700.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$1800.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX {$520.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$1500.00} ( XX/XX/XXXX ) XXXX XXXX   XXXX {$13000.00} ( XX/XX/XXXX ) XXXX XXXX of Nevada {$7500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) and each time they were unable to adequately verify 100 % accurate the accounts but Experian and XXXX continues to state these accounts as verified and accurate after multiple rounds of disputes on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ). 
Again XXXX has deemed the accounts as unverified and has deleted them as of ( XX/XX/XXXX ). How is Experian and XXXX able to verify them?
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was repossessed XXXX years ago. On my credit report showing at the balances are increasing, and that I have XXXX years of late payments from the car was already repossessed and sold at auction.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, This complaint is in relation to a credit account this creditor has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit report.
Product: Checking or savings account

I received an email stating I could go in a local branch to withdraw funds owe to me! When I went earlier they stated they didnt have no information on that. I showed them the email and they still couldnt help me
Product: Debt collection

On XXXX XXXX, XXXX i receive a call from that number and a person name XXXX start telling me about an account and i explain to him that for him talk to me with respect and i will talk to him, but he was calling me theft i tells him i am a disable person due to an accident i have on XXXX but he continue with bad actittude. I hang out the phone and he call back as soon i answer he said you beleive this was gon na stop here, now you will have a lesson because i am a thief that i use an excuse of XXXX to stole from people. I try to talk to him and give me the name of the company but he dont wants to give it to me, instead he continue calling me thief and hang out the phone. I try to call the primary company and they said that Nobilis Credit Management LLC have this account. 

I ask him if he wants my documents from my accident on XXXX to this days and he can see i lost my job due to 3 major surgeries on my lower back. And that i finish with 10 screws due to this accident. This is not a corrwct way to talk to people, yes we have a responsability to make the payments but not in this conditions of threat and making false allegations on a person.
Product: Checking or savings account

On XX/XX/2024 I noticed that my Huntington Bank account was not allowing transfers from Checking to Savings so I called their customer service at XXXX and spoke with a rep. I was told that the account was froze due to 3 pieces of mail being returned to them. I advised I had moved and updated my address on the banking website several days prior. 

I was informed the back office would need to correct this and it would be taken care of by the following day. As of today, XX/XX/2024 the account hold has still not been lifted. After tirelessly repeated calls to XXXX to get the issue resolved, they have still failed to fix the issue. 

As I'm submitting this complaint I'm on the phone with a rep now, who is trying to fix the issue, however I'm submitting this dispute to document the issue.
Product: Debt collection

The company could not find the account. The amount owed was charged off, but I never received the XXXX for the amount. Plus, the agent said that the amount was wrong.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

On XX/XX/year>, I applied for a credit card ( over {$50000.00} ) through PNC Bank and I was denied access to my credit. With the Application, I also attached XXXX Form XXXX, and a letter of instructions to include a FEE Schedule. My suspicions of Securities fraud were confirmed when I received subsequent letters in the mail confirming their adverse action against my application which detailed their violations of the Consumer Credit Protection Act, Fair Access to Credit Act and the truth in lending act by discriminating against me based on my previous good faith exercise of my rights under consumer credit protection act. I contacted PNC, customer service, CEO and XXXX XXXX about the letters and questioned the discrimination and they never responded, never reversed its decision and never gave a counter offer over {$50000.00} in my credit. I asked that PNC Return my application for credit to me as it amounted to an invalid contract due to their failure to return value to me for the security provided to them in the form of the application that provides them access to my credit for which they will receive face value in XXXX 's upon delivery to a Federal Reserve XXXX. I also attached XXXX XXXX XXXX. This request was denied and I was informed they intended to maintain control of this instrument/application as well as report to the credit reporting agencies for a minimum of 24 months after their having accessed my credit history.
Product: Debt collection

I am not liable for the debt with XXXX XXXX XXXX XXXX. I dont have a contract with Ars Account Resolution, they did not provide me with the original contract as I requested.