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

Dear Sir/Madam, I am filing a formal complaint against CIT Bank XXXX 

This bank has been holding my hard-earned money ( in no-penalty CD ) since XX/XX/XXXX with the excuse of under security review or possibly by the overreaction of their system ( though I authorized my husband to discuss about my account almost during each phone call ). 

I would like to withdraw my money deposited from the bank to make a lump sum payment -- for emergency use, but I have been unable to move my money since XX/XX/XXXX, almost one month. Worse yet, I was told clearly by CIT Bank 's different agents that their review would be done within 24 hours, 48 hours, or 10 business days, respectively -- so, each time when I called, I was told a different story/lie. From the latest call, I was told to wait for 90 days -- that's absolutely a joke, absurd, and ridiculous! The fact of the matter is -- from the calls, I, being an XXXX, feel being discriminated by CIT bank. 

Until now, I haven't received a single phone call or email from CIT Bank -- for almost an entire month ( 21 business days have passed )! Until now, I have not received a single phone call or email from CIT Bank -- for almost an entire month. I have not been able to access and move my hard-earned money either. 

The bottomline is that CIT Bank can not and should not hold customer 's money during an emergency family situation -- worst ever seen!! 

XXXX
Product: Debt collection

I was told by the XXXX XXXX XXXX XXXXXXXX to call about this fraudulent activity that happened in XXXX, gave me the collection agency number. I reached out to the collection agency to tell them it was fraudulent. They were rude, disrespectful and told me if I didnt pay {$13000.00} right now to settle it, regardless of if it was fraudulent or not then they will just keep dinging my credit. And they even stated if I were to wait the 7 years, they WILL in fact sell it to another agency for it to stay on another 7 years. 
This is hurting me tremendously because my daughter and I are XXXX and cant even get XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan as a veteran with that weighing me down. 
This went into collections it says in XXXX, I was on XXXX XXXX status until XXXX.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account : XXXX XXXX XXXX Account no. XXXX Previous Address ( XXXX  ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> Previous Address ( XXXX  ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The consumer reporting agency EXPERIAN is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) and 15 USC 1681e ( b ) for allowing transactions and experiences for allowing them to be furnished in my consumer report. The FCRA is very clear about transactions and experiences being excluded from the consumer 's report.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, and Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, and Equifaxs inaction violates federal law and my rights as a consumer. I would also like to consider trans union as I believe they have followed suit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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: Mortgage

In XXXX of XXXX we purchased a home. As a first time home buyer I was thrilled. With the type of loan we have, we legally have to escrow our home owners insurance and tax. At some point in mid XXXX, US Bank stopped escrowing for insurance without notifying us or doing so with our approval. We were then contacted by our insurance company letting us know they have n't received payment from US Bank and if this issue was not resolved we would face cancellation of our policy. Many phone calls were placed by us and our financial advisor to try and rectify the error made by US Bank with no success. Now in XXXX XXXX we have received an Escrow Shortage Coupon for an extremely large amount US Bank is needing us to pay for the difference from when they stopped escrowing. We are not disputing that an amount needs to be paid, but are upset with the financial hard ship we are facing with this increasingly high payment due to their error. We called today, XXXX XXXX, XXXX and they gave us 2 options. Spreading that amount over 24 months but still leaving us with a very high payment we are going to have a very hard time making, or doing a consolidation process that will effect our credit. I am not comfortable with either because like stated above, the 1st option leaves my husband and I in a tough spot with trying to make up that higher payment all the while having to feed and care for our XXXX children, and the 2nd effects by credit which I do n't feel comfortable doing either because this was all fault of US Bank. We are a law abiding family of XXXX. My husband and I XXXX in our XXXX as he is a XXXX and I am a XXXX XXXX for our XXXX XXXX. We understand people make mistakes, but the one made by US Bank has left us in a financial crisis and we are hoping and praying this can be taken care of as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 or other personal consumer reports

I never had an account with any of these debt collectors. ( example XXXX XXXX ) I am asking for the original contract that was signed with the debt collectors.

Please remove all of the accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there 's a name  XXXX ,  XXXX ,  XXXX  on my Credit card report is incorrect. I do n't used that name. Also I did not open, the  two  Chase credit card back in    2005.  How do I fix this problem? My Email is  XXXX  XXXX  XXXX
Product: Consumer Loan

On Friday XXXX XXXX 2015 my car was unlawfully repossessed by a GPS tracker device placed on my vehicle by the repossessing agent that was authorized by the lien holder Title Max. I have done my research and in the state of Texas you have to be a license Private Investigator and have a signed contract by the ones who hired him to perform this. I would like to know who the Private Investigator was and I would like to have a copy of the contract. Then when I called them, they stated that my vehicle was reposed on a different date, the documents did not match up, and the manager there told me that he was helping me out. They mailed a certified letter weeks after the car was repossessed they never sent a certified notice before they reposed they vehicle. The finance company is not information that the finance inclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for an investigation because the accounts don't belong to me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX  XXXX ) ASAP
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account name : XXXX XXXX XXXX. # XXXX, XXXX XXXX XXXX XXXX XXXX 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.15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 u.s.c 1681s-2 ( a ) ( 1 ) a person shall not 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.
Product: Debt collection

XXXX today i was contacted from a someone who serves document for suing and being taken to court. i was given a phone number and a case number from this individual over the phone. 
i had called the phone number given at XXXX XXXX. 
i had proceeded to contact this company and listen to what they had to say. i had explained to them that this debt is not a valid debt as i have been in contact with company i had gotten the loan from. after about 3-5 minutes of explaining. she had put me on hold and talked to her supervisor and told me that this is valid. she said that i would have to look at the documents to get the information from. i was told that someone had stopped by yesterday XX/XX/XXXX and there was no answer from the door and that someone will be out again today XX/XX/XXXX. she couldn't tell me the amount that was supposedly owed. as i had gotten the name of the company and i had talked to them months before and now they are changing there tactics. i had asked for them to please stop calling and that i will be blocking this phone number. this time was a different phone number not a robo caller but i did get a live person and i haven't in the past they had answered right away i had tried multiple times in the past for them to call the loan company and i was told this is not my job from a/the supervisor. 
XXXX i had called the original company where this was all started. I had talked to someone in the front office as they called it. i had talked to them for about 10 minutes at this point. she had transfered me to the back office i had talked to another individual. she pulled up my account and had confirmed as well that this debt is not a valid debt. she is sending me a screen shot of the debt not being owed and that it is no longer valid along with the collections agencies that have been reporting to them. she had also told me that this was done back in the year XX/XX/XXXX from a washington location. i am still waiting for the this to be emailed to me at this time.
Product: Checking or savings account

On XX/XX/XXXX, I filed a dispute with Chime for a XXXX  transaction and received a Provisional Credit for the amount. On XX/XX/XXXX, I received an email stating that Chime had found nothing wrong and would reverse the Provisional Credit, On XX/XX/XXXX, Chime reversed the credit and it was successfully deducted from my account. Fast forward to XX/XX/XXXX, I noticed that the dispute had still not been closed despite the Provisional Credit Reversal, I then requested to cancel the dispute. It was closed per my request, that is until I found out Chime had charged me again for another Provisional Credit reversal on XX/XX/XXXX despite the original setback on XX/XX/XXXX. I had received an email about the matter but brushed it off and deleted the email thinking they wouldn't recharge me again as they had already done back in XXXX. I called them at XXXXXXXX XXXX on XX/XX/XXXX about the matter, and a representative said they would escalate it and the issue should be resolved in about 24-48 hours, I then called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all representatives I spoke to stated they would contact the Investigation team and reach out to me shortly. I have not received an email or phone call about the matter at the time this complaint was sent.
Product: Mortgage

I recently sold my home and had to pay a {$500.00} escrow because I have no proof that a prior mortgage has been paid off. So now I can not get my {$500.00} back. I have spent hours on the phone with Bank of America and gotten nowhere ; mostly just listening to hold music and getting disconnected
Product: Money transfer, virtual currency, or money service

I engaged in day trading with my rent funds last Friday, intending to withdraw them today to cover essential bills. However, my account is currently locked on Robinhood, preventing an immediate withdrawal. This unforeseen circumstance has caused a delay in meeting my financial obligations. I seek assistance in resolving this matter promptly, or I may need to consider legal action. My rent is due today
Product: Debt collection

I received a letter from CDI dated XX/XX/2022 in regards to a debt they claim I owe. After receiving the letter in the mail, I mailed them a letter requesting validation of debt and cease and desist ( both requests were included in the same letter ). I later received a letter from CDI dated XX/XX/2022 that says " Enclosed is the information you requested to validate your debt. '' This signifies that they did receive the previous validation/cease and desist letter. After receiving this letter, I made a phone call to CDI to let them know I dispute the charges, to which they advised that they had received my previous letter and sent out the validation. They also advised that I would need to send in a written request to dispute the debt. On XX/XX/2022, I sent them a letter disputing the debts and asked that all collection attempts be stopped due to the dispute. 

On XX/XX/2022, I received a call from CDI in regards to the debt in question. I told them there was a cease and desist, to which they said they would not call again. On XX/XX/XXXX, I received another call from CDI and took the call further asking why they were still calling when I had sent in the cease and desist and had verified via phone that they had the information to no longer call me. The agent, XXXX, said that she did not have anything on file for me. They claimed they did not have any letters that I have sent. But she did say that they sent the debt verification letter in response to my request- which was the letter I had sent requesting validation along with cease and desist. I further questioned and let her know that it was a violation of federal debt collection rules to continue to call after receiving this letter. She kept saying that I could re-send those as they do not have copies. She also kept mentioning that she would list it as I " did not want to pay '' the debt. I reiterated that it was under dispute. She got frustrated and rudely hung up the phone on me. 

I called back and spoke with XXXX who identified herself as the manager. I asked the same questions and she said that she had instructed XXXX to disconnect the call. They would not answer why they had not kept any copies of the letters I sent to them, nor respond to why they have started calling me again. XXXX told me ( to paraphrase ) " as politely as I can, there is nothing more I can do for you. '' She said that they have now " removed '' my number from their database, but I have still yet to hear anything about my dispute of the charge.
Product: Student loan

I am through naviant and they refused to let me make lowere payments or payments I could afford. They finally put me in a forbearance but they said that would be best since I could n't pay XXXX a month. I now owe XXXX or more in school for 2 years because of fees and interest. I went to XXXX university. They have messed my credit up I ca n't get higher then XXXX. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts which have been obtained fraudulently and without my consent. They are reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. These are causing a lot of harm to my financial well being because my credit is taking a huge hit because of these thieves who used my info to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX needs to provide what method they used to verify XXXX XXXX as this account was involved in fraud.I provided a valid police report which they haven't explained how they sent the police report to the furnisher. Did they convert the police report to a numeric code and send that to the bank to verify??? This violates the FCRA as it has to be 100 % accurate and 100 % verifiable.
Product: Checking or savings account

Chase fraudulent charged me {$30.00} on XX/XX/2024 for a stop payment fee but the company continues to charge me fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a contractor, in XXXX sold me an ac unit. They offered financing and told me i needed to submit an application through XXXX XXXX in order to get financing offers through XXXX XXXX and XXXXXXXX XXXX at special low interest rates. The salesperson 's name was XXXX XXXX and the owner is XXXX XXXX. They lied. On XX/XX/2018, this caused a hard hit on my credit report and XXXX was the actual financing company. I have excellent credit and this cause my score to drop 10 points. They offered me 18 % interest and wanted me to pay {$11000.00} for a {$6200.00} 14 seer ac. XXXX  was trying to rip me off so i did not use them and i paid on my credit card instead. I contacted XXXX XXXX. XXXX said he would call XXXX to have the inquiry removed because the salesperson should not have lied to me about XXXX being the financing company. I also called XXXX, they would not remove because they said it wasn't fraud. I told them i submitted the application under false pretenses. Please help. I spoke with XXXX at XXXX and her manager. XXXX. XXXX 's number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed.

Equifax Confirmation # : XXXX Please resolve this manner as soon as possible.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  store gave me a credit card without my consent and I immediately cancelled and told them this was not authorized and not to report this because I did not consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am relocating to another state, applied for a rental house and I was denied. 
My credit score use to be over 800, and now it is in the low 700s, drop of a XXXX points. 
Would like to know the reason for that. 
I am retired. Please help me with this issue! 
Thank you, XXXX XXXX
Product: Vehicle loan or lease

I tried to work with them to get get my account in good standing but they did not want to work with me and continue to let me have late payments, I paid off the account early and it's still on my credit report.