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

Opened account on XX/XX/XXXX with a promotional bonus of up to {$300.00} if qualifying direct deposit of {$5000.00} was completed within 30 days. I completed the threshold on XX/XX/XXXX. Terms mention it would pay out after 14 days of evaluation was completed and it has not paid out. This morning XX/XX/XXXX i reached out to support and was told that i did not qualify due to a previous account direct deposit bonus. Nowhere in the terms does it say i would ineligible for this new account bonus but the representative assured me that i was not eligible.
Product: Bank account or service

approx 6 mos. ago my mother had a XXXX XXXX. The ensuing months were difficult as she had a business and many financial obligations that I was unfamiliar with, but we 've gotten through it. About 4 mos ago, her business acct at XXXX bank cashed a {$2000.00} forged check resulting in delayed payroll. We decided to wire XXXX $ into her XXXX acct from her Capital one 360 savings acct. to cover payroll. Capital one called the next day inquiring into the transfer and my mother told them she did n't know about it and handed the phone over to me and I explained the situation indicating that I was helping my mom who at the time had been aware of the transfer but was having XXXX XXXX. Checking on her acct the next day I found that her accounts had been frozen with a number to call. She had been calling that number for about 2 1/2 months, having to wait upwards to an hour and XXXX before being disconnected. A week ago she finally got through to security who informed her that she would need to obtain a POA for me, her son, before they would release any of her funds, even though she is almost fully recovered from her XXXX and has resumed the running of her financial business, although I am still here assisting her, she is able to make her own decisions. There is no Capital one 360 banks in California, ( formerly ING ), so determining that a POA is the only way to obtain these funds we have gone ahead and gotten XXXX but are having difficulty getting it to them as this needs to be expedited due to the fact that there is an XXXX $ check delayed and payroll is due soon so normal mail would take to long. Am going to pursue this but this situation has caused my mother much aggravation and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

The past payment history on my student loans is incorrect. I have struggled with my credit score being low due to the negative payment history of the student loans. This information has never changed and I dont know how to get the late payments deleted.
Product: Debt collection

ERC is reporting this collection and making attempts to collect a debt not owed as this was charged off in bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off two cars and my ex-wifes child support. On my credit report for Equifax, they dropped my score XXXX points, and removed one of my cars from the report. This is the second time in one year Equifax as attempted to fraudulently lower my credit score, thus allowing banks to try to charge me higher interest rates based off manipulated credit scores. Furthermore, when attempting to call and resolve the issue, the company attempted to gather inappropriate information like my drivers license and picture to file my complaint. I had already provided my SS number, by birthdate, my address, and my phone number. I refused to provide my license, as that would allow anyone at the company to store and use my information in devise ways. I dont appreciate this company again attempting to defraud me, taking my time and money, and acting like its not a big deal. I want this company fined for their behavior, and to be ensured they dont treat me like this again. Furthermore, after a car is paid off, the car is stay on your credit for 10 years. This company is trying to drop the car off my credit immediately. Again, this company has an obligation to the American people to get their facts straight, and to stop trying to commit fraud. The company is doing the same thing to my wife, whose credit is significantly different then the other two credit reporting companies. Clearly this company feels empowered to commit fraud, and not follow the rules. Furthermore, them attempting to gather information not required to fix credit scores outlines their need to collect data on individuals so that data can be sold on the open market. Again please for this company to immediately fix my credit score, and fine them a significant amount of money, that way they stop this behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please update and correct my account right away. 

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

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern i am writing because something about a collection was noticed by me after checking my consumer report recently. i never received any notice in the mail or by email of this account nor any phone calls to my understanding. this account just appeared and thats how i found out about it so i am asking for assistance in this matter i have also mailed letters to XXXX, XXXX, and XXXX because people are putting inquiries and accounts on my profile without permission. 
Please Assist me in this matter
Product: Mortgage

This relates to XXXX XXXX XXXX  There are XXXX specific issue : XXXX ) There is a pervasive error in which they communicate the XXXX reset date as 1 month later. They are instead providing customers the first month payment due after 1 month of XXXX  XXXX. 
XXXX : The letter and their online banking system reminder states the XXXX XXXX  date as XX/XX/XXXX. They Reset the rate on XX/XX/XXXX. XX/XX/XXXX is the first payment due after 1 month of the new rate. 

XXXX ) They conduct the loan calculation on the wrong principal amount. 
The letter sent to customers is between XXXX months before the reset of the loan. So an XXXX loan might have a letter dated in XXXX. They do a calculation at that time assuming no additional prepayment of the loan. This becomes the new payment regardless of whether additional principal is paid down during the XXXX months. 

Given this rate environment AND ALSO the fact people are paying down, this is not a small difference. I calculate for item XXXX my new payment is over {$100.00} from what it ought to be on the principal balance. If I add in additional principal I have already paid and further intend to pay by XX/XX/XXXX then the number is quite high. 

In a falling interest rate environment, particularly if the XXXX  moves are > XXXX this is a significant calculation error. 

When I asked their customer service, they didn't appear to understand any of the above or its implications. I got tired of trying to escalate this properly as their only response was that the letter said the XXXX reset is in XX/XX/XXXX and therefore the mortgage payment is correct ( both of which are false, aka they are clearly resetting XX/XX/XXXX, and the calc on payments is clearly from XX/XX/XXXX assuming no additional principal payments ). 

I suspected this was done last year in 2023 as well. But I didn't have time to really catch them as I was traveling.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, Thank you for your response to my complaint submitted through the CFPB Complaint Portal on XX/XX/2024. However, I believe your reinvestigation of the disputed items on my credit report was inadequate and failed to comply with your obligations under the Fair Credit Reporting Act ( FCRA ). 

The FCRA is clear on your duties when a consumer disputes information on their credit report. Specifically, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) states that " if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' Furthermore, 15 U.S.C. 1681i ( a ) ( 4 ) requires that you " review and consider all relevant information submitted by the consumer '' as part of your reinvestigation. I provided the bills which clearly shows that the information listed on the bills does NOT match the information you a listing. However, your generic response fails to address this evidence or explain how it was considered during your review process, as mandated by the statute. 

Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that if disputed information " can not be verified, the consumer reporting agency shall, as promptly as possible, delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. '' Your response claims the data furnisher verified the information but provides no details on how it was verified in light of the contrary proof I submitted. 

Your failure to conduct a reasonable reinvestigation that complies with the FCRA 's requirements is unacceptable. I demand that you initiate a new reinvestigation and, this time, meaningfully review and consider the evidence I have provided as the law requires. If after doing so you are still unable to independently verify the disputed information, you must promptly delete it from my credit file. 

Be advised that under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I have the right to bring a civil action against Experian for willful or negligent noncompliance with the FCRA. If a proper reinvestigation is not conducted and the disputed items are not corrected or removed, I will not hesitate to pursue all available legal remedies. 

I expect a response detailing the results of a lawful reinvestigation as soon as possible. Your continued compliance with the FCRA in handling this dispute is required. 

V/r
Product: Credit reporting or other personal consumer reports

I have been attempting to resolve issues with the three major credit bureausXXXX, XXXX, and Equifaxfor over 3 years. During this time, they have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to update or correct information on my credit report. Despite providing the required documentation, including identification and other requested documents, they have repeatedly failed to process my information properly. 

Instead of resolving these issues, the credit bureaus have sent multiple letters containing stall tactics and excuses for not addressing the situation. I have complied with their requests and sent the necessary documents numerous times, but my efforts have not led to any meaningful resolution. 

Given the ongoing failure of the credit bureaus to follow the law and rectify the errors, I am left with no other option but to contact the Attorney Generals office to file a formal complaint and seek further action to enforce my rights under the FCRA.
Product: Checking or savings account

TD bank close my account without me having any knowledge on XX/XX/2022 I was told it was due to fraud. Ive contacted everyone in TD Bank including headquarters no response on XX/XX/XXXX. I received a notice that my TV mode boom app was hacked and my password was changed and it wasnt me I hadnt received any other information aside from a for the different phone number in the website I would like to know how my bank could be close for fraud that Im not aware of and also be hacked in the same week without any help! Aside from that, and getting any help, I was sent to the branch in which the guy who is every discriminate of arrogant been my card in my face, and all he told me was td no longer one of my services! Ive called Td headquarters and everything and not one person could give you any information on how your account could be closed drastically out of nowhere and you get no answers, and I put in complaints about the representative at the bank which she just smiled like it meant nothing
Product: Payday loan, title loan, or personal loan

I was interested in and provided a personal loan through XXXX  XXXX to consolidate bills. The loan with XXXX  XXXX was finalized and the money was in my account on XX/XX/2019. On XX/XX/2019 an deposit was made to my account from Lending Club in the amount of {$9400.00} via XXXX. 

Not sure who to speak with I contacted XXXX XXXX to make sure my loan was in place and not compromised. I explained what happened and they stated " check into Lending Club ''. My research into Lending Club deeply concerned me. I contacted Lending Club who confirmed they did issue me a loan. I confronted them with the fact I did NOT authorize a loan with them and demanded they withdrawal the money. They commented that " oh you want to cancel the loan '' to which I responded " I never authorized you to complete a loan. '' My concern is I NEVER authorized t hem to complete this loan. It seems unlawful to initiate a loan with no authorization. I did NOT sign a contract. 

As of this date, I received an email that a withdrawal in the amount of {$9400.00} is in progress. I want any money taken by Lending Club for fees involved in their issuance of this supposed loan to be reimbursed to me. A deposit of {$9400.00} seems like an odd amount and my guess is the original loan paperwork probably reflect an amount of {$10000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - XXXX  {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Credit reporting or other personal consumer reports

I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the US federal trade commission that the mention account and collection are the results of identity, death and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I am a widower, who struggles to provide for his Heirs dude to what appears to be unfair practices by the organizations listed in this complaint. I have tried to resolve this matter by getting the accounts verified, after receiving a credit report full of inaccuracies. I am currently seeking a remedy to help me provide the right and fair condition for my family well-being.

Are you familiar with : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies?

These accounts are in breach of my rights and the law. ( According to the Universal Declaration of Human Right ) Article ( 7 ) " All are equal before the law and are entitled without any discrimination to equal protection of the law. All are entitled to equal protection against any discrimination in violation of this declaration and against any discrimination and against any incitement to such discrimination. Article ( 12 ) No one shall be subjected to arbitrary interference with his privacy, family, home or correspondence, nor to attacks upon his honour and reputation. Everyone has the right to protection of the law against such interference or attacks. Please investigate these accounts and hold any entity in breach of these laws accountable. Looking forward working with you to resolving the matter. In this society one thing is for sure is credit because there is no money XXXX so how my credit is impacted is important that it is accurate and remain in good standing.
Product: Debt collection

Back in late XXXX  i had opened an account with XXXX XXXX  and was trying to use that account as a secondary bank. A couple weeks later i got a fraud alert stating transactions i wasnt making were going through my account. i got logged out my account and all and wasnt aware that XXXX closed my account so i thought i was all good when they stopped contacting me. now a company named MRS is trying to collect debt from me that i did not do.
Product: Debt collection

On XX/XX/XXXX I had a procedure performed by XXXX  XXXX c/o XXXX XXXX XXXXXXXX for XXXX XXXX XX/XX/XXXX I had not received a bill and I reached out to XXXX XXXX XXXXXXXX by phone and spoke to Team Leader XXXX XXXX XXXX I communicated that my insurance company had been billed {$17000.00} and that I had not received a bill. I communicated that {$17000.00} far exceeded the amount I had agreed to prior to the procedure. XXXX told me not to worry about it, that {$17000.00} was an incorrect amount and they just sent that to the insurance company. I requested that a bill be mailed to me. 
After the call XXXX then emailed me a partial Account Review summary via an insecure email. The Account Summary appeared to be incomplete as the Insurance billing portion was cutoff. 
No bill came in the mail ever. 
I called back and I requested no further emails since the email was insecure. They told me a bill would be mailed. 

XX/XX/XXXX I spoke to a XXXX at XXXX XXXX XXXX, because no bill had been received. I informed him that an insecure email was sent with a partial summary on XX/XX/XXXX, but no bill was received. 
Called back and spoke to XXXX on XX/XX/XXXX and spoke with XXXX. I informed XXXX I dispute the amount, since no bill had been received, and they had billed my insurance {$17000.00}. 
Since I never received a bill and it appeared they were billing my Insurance {$17000.00}, which was egregious and conflicted with the amounts initially disclosed. It showed a balance of {$1700.00}, but it was not complete and the insurance part appeared to be cutoff. 

XXXX A {$200.00} check was mailed with the memo -Paid in Full- I had openly disputed the amount with them on XX/XX/XXXX and mailed the check on XX/XX/XXXX to XXXX XXXX PC of XXXX, IL XXXX This information was obtained from the partial Account Summary I received on XX/XX/XXXX. 

The {$200.00} payment in full cleared my checking account on XX/XX/XXXX. 

I received a collection letter from IC System for this account. The {$200.00} payment is reflected as being received and applied to a {$17000.00} balance, showing {$16000.00} as in collection. The procedure never, never was supposed to {$17000.00}. 
The doctor even apologized to me after the procedure, because he could not keep future appointments and said he had resigned and all of his staff had quit.
Product: Mortgage

I closed on a refinance loan with XXXX XXXX XXXX XXXX on XX/XX/2022. First American Title was the settlement agent. My file number with First American Title is : XXXX. XXXX XXXX XXXX XXXX required me to withhold 6 months of property taxes. First American Title has {$2100.00} which was supposed to be sent to XXXX XXXX ( Ohio ). First American Title has not paid the property tax and it is now due. The settlement agent told me that the property tax would be paid right away and it's over a month now.
Product: Student loan

My deferment agreement ended in XXXX 2017. I 'm XXXX and required to submit documents annually to extend my deferment. I submitted my documents via Nelnet 's email as suggested. The process is usually slow but about 6 weeks later I checked my account and there were no changes I called Nelnet and they informed me that my documents were not received so I decided to mail them. My account was finally updated to a XXXX balance and payment due but I was hit with nine 90days late on my report. I feel that is unfair.. plus in 14 years I 've never been in default.