23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am XXXX XXXX XXXX XXXX  on the XXXX XXXX   XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

On the XXXX of XXXX I visited an ATM inside of the Chase bank at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I deposited {$2900.00} in cash, and did not receive a receipt. During that same transaction, the atm rejected one of my {$100.00} bills intended for deposit. I then physically entered the branch and deposited the {$100.00} bill with a bank teller. Upon checking my bank account online immediately thereafter to see that my deposit was confirmed, no amount showed in my bank account. I then spoke to the branch manager, XXXX XXXX who informed me that I would need to call the claims department of Chases customer service. I did so, and received a temporary credit in the amount of {$2900.00} on the XXXX of XXXX in my bank account until my claim was corroborated. I was given no other information. On the XXXX of XXXX ( today ) I checked my account to find that the temporary amount of {$2900.00} credited to my account on the XXXX of XXXX had been reversed. I called the claims department, and was told that an audit had been done on the ATM, and there was no discrepancy found. I was then told to go back to the branch, and speak to the branch manager if I had further questions. I returned to that branch today and spoke with a chase associate, XXXX XXXX, as the branch manager was on vacation- I was helped, and the associate called the help line. I spoke with another person who told me the same information, and I requested video footage. I was told that footage would have to be subpoenaed, and that there was nothing else they could do. Please assist me in resolving this bank error and/or issuing a subpoena for the atm footage from XX/XX/year>.
Product: Mortgage

The problem is- We went through XXXX weeks of severe XXXX stress and XXXX XXXX XXXX  because of negligence by XXXXXXXX XXXX XXXXXXXXFlagstar Bank. We also ended up paying higher interest rate of 3.75 % versus 3.25 % which was promised to us,, not closing the home on time and did not communicate or suggest the new closing date which put seller and my family in panic mode. I was told by seller that I am losing the {$25000.00} earnest money. 

Below are the details of the problem : We were referred to the Loan Originator organization XXXX XXXX XXXX XXXX by our realtor and we started working with them from XX/XX/XXXX. This company with our permission, locked the Interest Rate for the home purchase with FLAGSTAR BANK at 3.25 % for 30 year loan -7 1/2 ARM with 20 % down payment. 

We got the appraisal report from Flagstar Bank on XX/XX/XXXX for home ( XXXX XXXX XXXX XXXX GA XXXX ) appraised for {$960000.00} with sale price being {$910000.00}. We also got the closing disclosure issued to us by Flagstar/XXXX  Loans on XX/XX/XXXX on-track for scheduled closing date XX/XX/XXXX. Flagstar/XXXX  did not provide final CTC ( Clear to Close ) and we could not close the home as scheduled on XX/XX/XXXX. We did not get any information from them on the problem or the ETA to fix the problem. Finally on XX/XX/XXXX ( after 2 days of passing closing date ) we were told that the Flagstar team got the appraisal report changed by same appraiser to {$800000.00} from previous {$960000.00}.

Our family went through severe stress for 2 weeks as we were told to lose the $ XXXX earnest money, not knowing if we will be buying this house. Finally I sent emails via XXXX to XXXX Executive Vice presidents of Flagstar to get some attention from Flagstar and not be so negligent. They apologized for the service breakdown and revised the product and finally I ended up paying higher interest rate and additional PMI every month.

Questions : 1. Why no one from XXXX XXXX XXXX or Flagstar worried about meeting the closing?

2. Why was I not informed in advance that we will miss the closing date?

3. Why was I not communicated on problems in appraisal report in advance?

4. Why was the appraiser asked to change the home value by {$160000.00}? That too the same appraiser within the span of 10 days? 
5. How are we going to compensate the severe mental stress I went through for 2 weeks and financial loss due to institution 's negligence?
Product: Checking or savings account

I opened a business checking account with Citi Bank on XXXX XXXX XXXX, XXXX, CA XXXX to receive a promotional bonus of {$700.00} for depositing {$25000.00} and maintaining the balance for agreed timeline. See attached flyer. My wife and I both opened the same type of account and neither one of us received the bonus, a total of {$1400.00}. My wife submitted a complaint with you moments ago. I too called and emailed XXXX XXXX at the branch, but I haven't heard back from her or anyone at the branch. The customer service line could not help me either. I have met all required qualifications and confirmed with the banker XXXX XXXX to keep a balance of minimum {$5000.00} until the bonus is paid. It's been our practice that my wife would contact XXXX for both of our accounts. With that, I left a balance of {$5000.00} to avoid monthly maintenance fee. See attached email that my wife received from XXXX regarding that. The bonus was due by the end of XX/XX/2023. My last contact to Citi was XX/XX/2023. I haven't heard back from anyone. We moved out of state and can not visit the branch as easily as we could before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to fix this inaccurate Public Record on several occasions with the bureuas. They claim to have verified it through XXXX XXXX, this can not be true because XXXX XXXX has removed this inaccurate data. The Bureaus have not conducted a real investigation, I have proof of attached of what XXXX XXXX is removing this the bureaus need to follow suite and Stop falsely validating,
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 ( XXXX ), before the end of the XXXX 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 Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft while I was XXXX with XXXX. I have reached out to these companies to remove all fraudulent addresses and hard inquiries from my credit report. I havent received any response in over 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 Ran credit report on myself to check credit score. 2 revolving credit cards were listed on the report which are not my accounts. I reported the disputes to credit bureaus : XXXX, XXXX XXXX and XXXX. I spoke with both creditors to verify these are not my accounts. One of these accounts was removed from my credit report as it was deemed to not be my account. The other creditor claims that the information they reported to the credit bureau was accurate and it is my account. This is NOT my account!! 
The creditor is CBNA ( CitiBank North American ) It is a Sears revolving credit with a balance of {$19000.00}. This is not my account and has effected my credit standing. This is my report from credit bureau XXXX : Remains CBNA Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I am very upset that this is on my credit report and would like to complain that this Company is not resolving this issue. I need to know what to do next.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and trans unioun are reporting information that is involved in with identity theft with the FTC which is illegal for them to do under the fcra laws. also i disputed all my hard inquires on my credit report and they all was removed and without being notified they put them back on a couple months later. which is also illegal. im uploading supporting documents today
Product: Debt collection

I had a set payment and every month they went up {$40.00} on my payment so I had to switch to a cheaper company in other to drive and take care of my family I called them to get my 6 month history I had with them and they never gave it to me now that this is on my credit report it's stop me from getting cheaper insurance and it's affecting my life because they kept adding more money than was agreed. the call me saying they going to sue me for the debt. XXXX told me he was going to kick my door in I got the insurance XX/XX/21 after that I had to find cheaper insurance ended policy XX/XX/21. XXXX sold this account and XXXX is threating my life. {$750.00} for insurance a month not right please help take a look at this problem Please I don't own them anything
Product: Credit card or prepaid card

Capital One has failed to provide me with a detailed understanding as to why I have not been given any credit line increases on my credit card accounts with them. I have paid my Quick Silver and Platinum accounts on time each month and have also paid more than the monthly required payments. I have contacted Capital Ones ' CEO and other members of executive management via email numerous times, asking to contact me, in which they have all failed to do so. I have spoken to a few analysts from the executive office and requested the full payment history on both accounts since they have been opened, in which I have not received. I spoke to a manager of one of the analyst and was treated very harshly. In the letters that I have received from Capital One in regards to the credit line increases, the reasons for denials include, " average monthly payment is too low, and recent use of this account 's history is too high. '' All of which is false information, as I have not used the accounts much in the last months and have always paid more than the required monthly payments. I have asked Capital One analysts what are the required monthly payments to receive a credit line increase, in which they have not been able to do so.
Product: Credit reporting or other personal consumer reports

S

ubject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge XXXX Amount : {$17000.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

these were open not be one online and one in a store which i contacted them several time to prove this was mine they did not the adrees these acct took were wrong. and my privacy and consent has been violated. There is no law stated that these are to be report they closed the acct and still reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

One line : Credit bureaus must explain to us, why they change our credit score. They can't hide behind " multiple factors go into it ''. 

Background : My credit score tanked by more than 30 points recently, at all three ( XXXX, equifax, and XXXX ) credit bureaus. 

There is no activity on financial front from my side. I didn't open or close any bank accounts or credit cards or loan accounts. I didn't fall behind on any of my payments. 
So I'm very surprised why my credit score would change, and that too, by such a large amount of XXXX plus points. 

Only thing that changed is that my mortgage was shifted from XXXX XXXX to XXXX XXXX because XXXX XXXX acquired XXXX XXXX That is not my fault. I haven't missed any payments. What can I do if the banks merged, and reported the XXXX XXXX account as closed? 

I opened disputes with all three bureaus saying that I suspect that the merger activity is construed as if I closed the XXXX XXXX  account, and that I suspect this has affected my credit score. I asked them to confirm what caused the drop in score, and why. 

None of the bureaus explain why they reduced my credit score. Even after calling them repeatedly, they keep saying they can't explain why the score was reduced. 

As part of dispute resolution, Equifax and XXXX bureaus checked with XXXX XXXX, and XXXX XXXX  said all information on the report is correct. So the bureaus closed the dispute. 
I have yet to hear back from XXXX. 

I'm not disputing the information in the report, but I am disputing the fact that these bureaus have affected my credit score. My dispute is with the bureaus, not the banks ( as of now ). 

The Bureaus have to explain why they have reduced my credit score, and they also have to explain why the two banks merging is my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous fico score ( averaged ) XXXXpts My mortgage was refinanced ( freedom mortgage ) in XXXX. I was advised by XXXX XXXX to not make XXXX payment, as it would be refunded anyhow. The loan properly disbursed on XX/XX/2020. 
XXXX XXXX computer system erroniously attached a 30 day late to my credit report. This caused a 149 pt drop on Equifax from XXXX to XXXX. On XXXX a 153 pt drop from XXXX to XXXX, and 82 pt drop from XXXX to XXXX on XXXX. All of those drops in scores were excessive to say the least. Fraudulent is more appropriate. I have a clean payment history going 184 months prior, had less than {$1200.00} total revolving debt. 
I filed a dispute with all 3 agencies and XXXX filed a dispute on my behalf as well. This latest report, the agencies raised my score ( eqifax 54 pts, XXXX 116 and XXXX 51 pts. ) This is unacceptable given my payment history, debt and responsible financial decisions. 
I would like a full investigation as to how one single late payment would drop my scores so far down and how a correction of that late payment to paid on time would not result in restoring my credit to where it was previously. I believe the new scores are reflective of a new debt incurred while the scores were erroniously low, and the same debt incurred at an XXXX score would not result in such a steep drop. 
I do require a confermation of this complaint by email phone or text XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX .... Balance : - ; XXXXXXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX XXXX : {$8300.00} ; XXXX XXXXXXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX ... . Balance : {$530.00} ; XXXX XXXX Balance : {$800.00} ; XXXX XXXXL XXXX .... Balance : {$3200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 : 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 items of information, other than records of convictions of crime which anthedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has responsible cause to believe that the information is inaccurate
Product: Debt collection

I have a case with Messerli and Kramer. According to the online court record, they tried to send me letter/correspondence on XX/XX/XXXX. I did receive information that they wanted to communicate with me electronically. However, I could not access their request due to a name change. The letter specifically stated that if I did not accept the electronic request, they would continue to communicate with me via mail. I could not and did not accept the electronic request. I did not receive any further communication from this company. Last week I got notification from my employer that they were required to begin withholding my wages. I had to go on to the WI Court website to locate the response form, as my wages are exempt from garnishment. I was not notified by the creditor of the garnishment or given the proper time frame or documentation by them to file my response. WI state law requires that they notify both me AND the employer. They only notified the employer. They also updated my address on XX/XX/XXXX, per the WI court reporting website, to an address I have not lived at until XX/XX/XXXX, which is stopping me from getting proper mailed documents, if any were sent, which according to the court file, none were. I did call in XX/XX/XXXX and left them a message in reference to stopping communications with me at work. After that, it feels that their debt collection practices became almost retaliatory in nature.
Product: Money transfer, virtual currency, or money service

Entered into a rental lease which proved to be fraud. Wired money to XXXX XXXX XXXX Capital One Bank ABA XXXX Account XXXX Tried to tell the bank this was fraud and possible money laundering, but they did nothing,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  EQUIFAX XXXX  ALL IN MAJOR VIOLATIONS OF THE Fair Credit Reporting Act WONT FIX AN ITEM REPORTED TO THE POLICE OR FTC
Product: Checking or savings account

For the THIRD month in a row, I am opening a complaint with you over Bank of America. I made a deposit of one check today, XX/XX/2024, for {$10000.00}. I do this every month now, They have placed multiple levels of holds on it BEYOND Reg CC limits. See my attached receipts with hold information Again, the account is new, BUT I HAVE BEEN A CUSTOMER FOR OVER 33 years!!! 

The checks I deposit are from the same client, the XXXX XXXX XXXX XXXX and XXXX XXXX. So they have cashed 3 of their checks so far. This is the 4th.Clearly, the client has no problem with me cashing them! 

I want the hold lifted after two business days as required by Reg CC. IT is a LOCAL check. The client is based in XXXX, NY and the bank is XXXX XXXX. ( See the image of the attached check ) Also, they have a 99 day restriction on new accounts. That is why this is happening. BUT, I am a customer for over 33 years! And this is the 4th deposit I've made on this account!
Product: Student loan

I applied for a student loan in XX/XX/XXXX and was approved in XX/XX/XXXX for income based repayment. my payment was for XXXX . every month there were issues of the repayment not being applied to all of my loans, building interest on forbearance. this has happened many times with in 1 year. then they had me repay the loan and make payments out of the blue. when I call I am assured everything is fine. I am again being charged too early for my repayment plan. I am tired of the lies and the extra interest this company is making off of me for their errors. that is fraud. I have just renewed my repayment plan last week as I was told it renews in XX/XX/XXXX. I am being charged as of XX/XX/XXXX. I call all the time to correct the problems and they tell me its all fine but it never is and I am not happy.