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

XXXX XXXX I spoke with XXXX XXXX at First Interstate Bank about the service charge on my account. She informed me it was because my balance was not over {$250.00} when the statement cycle ended. Now, Ive made sure that on the XXXX of the month it is over {$250.00}. 

XXXX XXXX I call First Interstate Bank again as I see that I was charged yet AGAIN another service charge fee. I explained to the CSR on the phone that my account was over {$250.00} on XXXX XXXX and asked why I still got a service charge fee. She didnt know what a statement cycle was and that she had no authority to reverse that fee as she is not a banker. Only a banker was able to do that. I told her I wanted a complaint submitted. As it is not listed on the checking account statement the statement cycle dates. 

XXXX XXXX XXXX XXXX at First Interstate Bank calls me and I asked her when I called her back in XXXX that she informed me the statement cycle was on the XXXX of the month. She said correct, your statement cycle ends on one of those two days. I asked her why I got another service charge fee when my balance on XXXX XXXX was over {$250.00}? She stated that every day it has to be over {$250.00}, and that on XXXX XXXX it fell to {$240.00} so that was why I got a service charge fee. I asked her if my account is over {$250.00} by the end of the statement cycle, it shouldnt matter as it is over {$250.00}. She said that it did matter regardless. She mentioned I could do a direct deposit to the account but I chose not to do a direct deposit to that account because when I started my new position Great Western Bank was in the middle of merging with First Interstate Bank and it was not fair to the finance department to have to figure out where my paycheck was to go to, just because the banks were merging and it would mess everything up due to routing numbers being changed all over again. I expressed that nothing with this merger seems to be good and that I didnt ever have these problems with Great Western Bank XXXX XXXX said well maybe we are more sticklers with First Interstate Bank than when Great Western Bank. I told her I wanted a complaint filled about this as well. 

That isnt right. Even XXXX XXXX is not this bad, in my personal opinion.
Product: Credit reporting or other personal consumer reports

I checked my email and credit report there are fraud. I did not submit any credit loans or business credit loans. I've made a report to identifytheft.gov to make these amends.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Specific Errors Identified : Late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Mother XXXX XXXX XXXX XXXX XXXX XXXXr for 2-3 days. She had cancelled her lifeline services to keep her cell phone which she could not get to when she fell. She cancelled the cell phone with XXXX XXXX XXXX so she could reactivate and afford to pay for her lifeline services. 

After more than 60 years with XXXX XXXX XXXX and XXXX XXXXXXXX she was told there would be a {$400.00} cancellation fee. She explained she could not afford to pay this. She still has her XXXX XXXX XXXX land line. 

She has been receiving harassing and threatening phone calls and written correspondence. She was told they would take this money out of her bank account. My mother is XXXX years old. This has been very upsetting to her. It is unbelievable that this blue chip corporation would go after a XXXX year old lady would nearly died because she cancelled her lifeline to keep a cell phone that could not help her lying on the floor for days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate these reporting accounts as unverified information. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

As OF XX/XX/year> finace company reasiagned THE loan Back And has offered refund on down payment by Auto seller along with THE first payment To finance company ( {$320.00} ). I spent. {$1000.00} on XXXX  And {$570.00} on full coverage insurance And {$550.00} on a warranty For repairs OF {$12000.00} And due To Mechanic stealing parts off purchased Car. I agreed And went To get To XXXX XXXX XXXX To get payment refund and now THE Auto seller is not cooperating again. Due To a diagnostic ran on the Car because it was In XXXX XXXX OF XXXX XXXX In XXXX To be repaired In process For a Repair And then offering To dismiss loan And having it returned. They want that service fee paid as well after everything I have spent to have a functionng Car. And Will not agree To paying THE {$780.00} To have THE S - class XXXX released by THE service department OF XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask you to do an investigation to the Experian credit company, I have been disputing the erroneous information that they are publicly exposing in a credit report for more than a year, and previously you asked them to demonstrate the reason for this information and they have not presented any legal document that supports this erroneous information. 

I have not authorized this company to disseminate, expose, publish or give my information to anyone, there is no legal document that I have signed between them and myself, so I do not see why they can disseminate my personal wrong information where my record, reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal, so I demand that this dispute for account information from XXXX " XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. 

Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. Have an information inaccurate or incomplete items in a credit history have serious consequences. 
I am presented for more than a year the original documents of the company involved in the problem where it says explicitly that I have no debts and that my account was paid in full, and that I have no debt.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXXXXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

account number XXXX account number XXXX I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. This account is reporting twice on my credit report with 2 different account numbers. At this point I feel as if I am being bullied by this company.

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, 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 of such dispute, the agency shall reinvestigate free of charge 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. 

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

Please unblock my Equifax account and send me a credit report. my drivers license and utility bill is attached
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX XXXX complaint with Equifax to verify XXXX Account XXXX. 
On XX/XX/XXXX Equifax sends by mail my report # XXXX. 
Equifax states XXXX account is accurate. 
Date Reported : XX/XX/XXXX, Balance : XXXX, Amount Past Due : XXXX / Date of Last Payment : XX/XX/XXXX. / Date of Last Delinquency XX/XX/XXXX / Date Closed : XX/XX/XXXX For the record, I have never made any such payment on XX/XX/XXXX I am requesting Equifax and XXXX to provide PROOF of such payment I have supposedly made to XXXX. I want to see a cashed check or any such payment supposedly I have made. 
Facts, I have XXXX XX/XX/XXXX Bank Statement in which I can send Notarized by XXXX XXXX  that shows I made no such Payment to XXXX on XX/XX/XXXX. 
Facts, Equifax is NOT accuarely verifying any information with Creditor XXXX. 
Facts, Equifax is breaking the Law. 
Facts, The XXXX Account reported is inaccurate and has hurt me Financially and unable to buy a house. 
XXXX account Paid On Time XX/XX/XXXX and Closed
Product: Vehicle loan or lease

In accordance with fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

My Business Wise account deactivated. it has the balance {$500.00} so I requested to refund the balance to the sender but they refused. Totally they stole my money.
Product: Checking or savings account

A checking account was fraudulently opened in my name with Bank of America in XXXX of XXXX There were several XXXX transactions that took place. I was never alerted of an account creation or transactions and was unaware of the account until I received a statement in the mail. I immediately contacted Bank of America and was informed it takes 90 business days before closure of the account but a hold was placed on the account. I contacted the checks system and activated identity theft measures through my credit card company. I also contacted all three credit bureaus.
Product: Credit reporting

My mortgage account with XXXX has been brought up to " Current '', " PAID IN FULL and closed. XXXX letters confirming payment in full have been issued by XXXX, which have been sent to Equifax by registered mail and internet. Telephone requests to correct the credit files to indicate that the account has been PAID IN FULL have been made to Equifax XXXX. 
Equifax continues to report as follows : Status : Over 120 days past due. Consumer disputes account information. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act ), my credit score is lower than it should be and I have been denied credit. 
One party that denied credit told me by telephone that the report from Equifax could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people at Equifax I have contacted recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

Contacted company to advise inquiries are unauthorized and to please remove. Company stated needed to send letter. I sent letter and company has not responded. Unauthorized inquiries are damaging to credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I applied for a payment plan with MOHELA as part of a loan consolidation application in XXXX. The consolidation was processed and completed in XXXX ; the XXXX application has not been processed yet. This is not my complaint, as I understand current litigation has paused processing of IDR applications. 

However, according to XXXX, " If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and XXXX forgiveness. '' As someone approaching PSLF, this is very important to me. I have asked MOHELA to explain multiple times if I was ever in a processing forbearance ; their reps have given me no clarification despite XXXX email and XXXX phone conversations since XXXX. On my PSLF tracker on the XXXX website, my loans are showing " not eligible '' for XXXX from XXXX until now, even though I should have been on a processing forbearance at some point. MOHELA will not clarify what type of forbearance ( XXXX ) I was ever on, nor have they taken steps to remedy the issue.
Product: Checking or savings account

I had sent over a complaint and when I received my response some important information was not considered. I have been calling the number on the letter and have sent emails but no one responds. This is an issue with td bank which their employee gave me incorrect information on a check ( stating that it had cleared both banks ) while in fact it had not cleared XXXX XXXX bank and it was a fraudulent check. Td bank has confirmed with me that their employee gave me the wrong information but are not taking responsibility for giving me the incorrect info. I need to speak with someone directly.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a dispute on line with Experian Credit Bureau. The credit bureau responded to me on XX/XX/XXXX, with no changes, account remains the same. This dispute was filed against the account on XXXX XXXX XXXX. This account is reporting as being opened on XX/XX/XXXX. This is inaccurate information. The account was opened on XX/XX/XXXX. It also is being reported as an unsecured account when in fact it was a secured account. This account reported as being dropped off my other credit reports on XX/XX/XXXX. It is scheduled to be removed this month of XXXX. I attached documentation showing the above information to Experian. However, I have this problem with this credit bureau quite frequently. I am requesting that they review and remove the account.
Product: Checking or savings account

This complaint is follow up to my two initial complaints regarding this matter from 2019 ( XXXX & XXXX ). An ACH was credited to my account, and it is my understanding that there was a name mismatch. Capital One has placed the account in a restricted status and in their last response to me, told me that the funds are being sent back to the originator. However nearly two years after this problem has started, the funds are still held in this account and have not been sent back to the originator. And now, I am receiving a 1099-INT for funds that Capital One has. I requested this account be closed long ago, but it has yet to happen. And now Capital Ones failure to act is resulting in tax implications for me. As I stated previously : they can close the account and return the ACH. But now they are saying Im receiving interest payments that I am not the beneficiary of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bank/Mortgage company said that I was late on my payment but the Late payments are unverifiable. The company has not verified the dates of late payments.
Product: Mortgage

I was trying to extend my credit with Rocket mortgage. I told them I wanted to make a Consumer credit transaction. They said I could, so I filled out an application. Then They took my social security number to run credit. After that they said I was denied because my credit score was too low. I then asked them could they give me back my application but they refused to. They said I didn't complete a full application. That didnt make since. So they denied me my rights as a consumer and wouldnt even give me my application back. According to these U.S codes my Consumer rights was violated. 

15 USC 1681 Accuracy and fairness act, 15 USC 1611 willful and knowing, 15 USC 1679 ( a ) what is a Consumer 15 USC 1602 ( g ) Creditor 15 USC 1605 financial charges 15 USC 1691 Adverse action
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : $ {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39.00} ; XXXX XXXX Balance : {$0.00}.