23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a bill on   XXXX   XXXX   XXXX    , stating that I had a bill due on a card for {$170.00} for spending between the dates of  X/XX/17    -   XXXX     that I had n't received. I called  Citi  bank and they told that there was nothing that they can do to help me due to my phone number not being registered to me. They suggested that I go out and get a new phone number under an account in my name to verify who I am, so I did that. I called back and updated my information and they said their was nothing that they can do, that I must submit my Driver 's license, social security card, and my name with a bill on it in order to verify who I am to the fraud department. I did n't like it but I did it. I called back  XXXX  days later and spoke with several people and they told me that there was nothing that they can do other than verify me through a phone number. I 've went through and completed every step they asked me to and still I got no results from the company.
Product: Credit reporting or other personal consumer reports

After many failed attempts to remove inaccurate information, inquiries, and accounts from my Experian report ; I filed a complaint with CFPB on XXXX. The complaint number is XXXX. After failure to respond in a timely manner, I reached out via recorded phone call with the fraud dept. ( RESPONSE is what started this current complaint. ) Experian is in violation of at least 3 FCRA Laws at this point. There blanket response to this complaint and the previous are the same and do not efficiently resolve my complaints of fair credit reporting. Violation 1. 15 USC 1681i ( a ) 1 states a 30 day time limit for investigation and response. Last dispute filed with CFPB on XXXX. Insufficient response from Experian was XXXX. ( More than 45 days ). Violation 2. 15 USC 1681i ( a ) ( 5 ) ( B ) ... Reinsertion of removed information and accounts. While on the recorded call on XXXX, I request the only address to be present on my report is my current address and went line by line of what addresses were invalid / undeliverable. I was told that those addresses would be immediately removed. Violation 3. 15 USC 1681i ( a ) ( 8 ) ( iii )... .This goes back to this original complaint. On the XXXX recorded call... I asked for the reporting procedures, results details, the verifying individuals and was denied all infor and told " I was not allowed to be given that information due to company policy. '' With the current lawsuit I am eligible for financial compensation or a more favorable action would be to remove the requested information : All addresses EXCEPT XXXX XXXX XXXX XXXX. and the following accts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received notification from Experian on XX/XX/XXXX that my credit score had DROPPED a whopping XXXX points! I was SHOCKED to see this and I thought that I might be a victim of identity theft. It is IMPOSSIBLE to get a live person on the phone with Experian so I ordered a copy of my credit report and reviewed it THOROUGHLY and discovered that my payment history is XXXX XXXX and I had no new inquiries on my credit report. 

I couldn't believe that my score would drop so much when I had no new negative information on my report. Could somebody please look into this for me? I also noticed that my XXXX report dropped XXXX points in the past week and a half and my XXXX score dropped XXXX points during this time period. Please look into this and let me know what is going on. Thank you, XXXX XXXX XXXX
Product: Debt collection

I called diversified Consultants to understand why the report was not removed and they stated based on there contract with there companies that they are only obligated to report it as paid in full but not removed from the report. I was not informed that that it wouldnt be removed from the report. Just that it was reported as paid in full. Which I feel was miss leading of words and wasnt correctly informed to me. The rep I talked too has the power to remove it but because it wasnt stated in my original conversation when the acct was paid he said he would not have it removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - This Account does not belong to me
Product: Money transfer, virtual currency, or money service

XX/XX/year> - XX/XX/year> {$1500.00} XXXX down payment sent by XXXX via Western Union received by recipient for a down payment for XXXX.
Product: Credit reporting

I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validility of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Kindly do the same thing as what the other credit bureaus have done. Update the account : XXXXXXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Ref. : US Bank Checking Account XXXX. XXXX I opened this checking account with US Bank in response to a promotion that if I bring {$5000.00} or more to this account and keep it for 3 months or more, I get a {$400.00} promotion. 
I did, but they did not honor the promotion and never gave me the {$400.00} credit. I called them after the three months period and they told me that I have earned the {$400.00}, but it will take 2 to 3 months to deposit the promotion. Now, it is more than 4 months after that call and the promotion has not been honored. I called them today to inquire about the promotion, and after keeping me on hold for half an hour saying they were researching the matter, the XXXX  hung up the phone on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Employers : XXXXXXXX XXXX XXXX  Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company ( Crosscountry Mortgage ) maintains an escrow account responsible for paying my property taxes. 

-For the tax bill year XXXX, I was issued 1 secured tax bill and 2 different supplemental tax bills. 

-On XX/XX/XXXX I requested the mortgage company to pay one of the issued supplemental tax bills. I sent an email on this date with a copy of the single supplemental tax bill I wanted the mortgage company to pay. 

-On XX/XX/XXXX, I called the mortgage company to inquire about payment status and the company said it was not aware of any request for payment. I resent the original email and the single supplemental tax bill I wanted the mortgage company to pay. 

-On XX/XX/XXXX, the mortgage company sent me an email stating it paid both supplemental tax bills, even though I only requested that it pay one of the two. 

-On XXXX of XXXX, the mortgage company issued an " escrow account projection '' which improperly estimated the property taxes it would pay on my behalf resulting in an inflated escrow payment. Specifically, the escrow account projection incorrectly added the supplemental tax bill amounts to all future property tax payments which is improper since supplemental tax bills are issued one time and are not recurring. For example, the actual secured tax bill is for two installments of {$1800.00} for a yearly total of {$3600.00} but the escrow payments are estimated as two payments of {$4200.00} for a yearly total of {$8400.00}. The escrow account projection estimates it will pay {$4200.00} for future property tax installments which are not supported by any current tax bill. 

-On XX/XX/XXXX I sent a detailed email outlining how the escrow account projection was improperly calculated. The email included the original tax bill, the supplemental tax bills, and an analysis on how the escrow account balance improperly handled. Specifically, the email was an Error Resolution Notice under 12 C.F.R. 1024.35 intending to obtain a response as to ( 1 ) how the escrow payments were calculated ; and ( 2 ) comments on my analysis ; and ( 3 ) that there was an error in calculating the escrow payments and escrow balance.

-To date, I have not received a response to my email that addresses the issues raised in any manner.

-I have called the mortgage company multiple times, over 10. I have spoken to numerous customer service agents and their supervisors who all were able to review the documents in my file and arrive at the same conclusion that I have arrived to : the estimated escrow payments are incorrectly calculated.

-All the supervisors I spoke to submitted numerous work orders to the tax department and requested a call back from the tax department so that the issue can be discussed with me directly. I was informed that the issue was very plain and simple from the perspective of the supervisors and that the tax department just needs to implement the notes supplied in the work orders. However, the work orders are always closed with no response or call back and the issue is never resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had ( 5 ) small student loans with XXXX and they were past due. I consolidated the loans and they were paid off in XXXX. This information was reported, however, they still have the past due loans on my credit report. Now they have the new loan owner and the ( 5 ) other loans are still listed in red. These loans need to be removed from my report, not only is it ruining my credit score, its ruining any chances of me getting approved for anything. This is very critical to me, my only child goes to college in XXXX, and my score is so low, I wouldn't be able to help pay for college. I have written letters to all 3 credit reporting agencies to no avail. I've written a letter to XXXX  as well. I need this information updated on my credit report, ASA possible!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank has NOT been reporting its accounts on time or accurately on my credit bureaus. 

Balances are wrong, last reported not accurate and some bureaus dont even have my US Bank accounts at all.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX, {$98000.00} Charged off ( C/O ) XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, {$100000.00} Charged Off ( C/O ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the ty
pe of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may i
nclude emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Mortgage

First Bank XXXX transfered the loan to First Bank, Serviced by XXXX. I received a letter dated XX/XX/year> stating the change and that nothing would change on my side. 
I had made my XX/XX/XXXX payment like I always do thru my bank portal, which sends and electronic payment to the servicer. The electronic payment went out XX/XX/year> and was debited on my account XX/XX/year>. I received a letter stating they hadn't received my payment and I didn't see it until XX/XX/year> as I travel alot. I called XXXX on XX/XX/year> and sent proof of payment, which I had to contact my bank, they sent me a picture ( jpg. file ) of electronic transfer and showed all the information. On XX/XX/year>, I called XXXX and asked him about an update as my next payment was due that day and I didn't want to do it via my bank portal as they would probably lose it again. He told me no update as they were still researching. I made XXXX 's payment to him over the phone via phone payment. I gave it a few days and called back XX/XX/year> to XXXX XXXX, still same thing, no word on the research. Later that day, I received notice from XXXX XXXX that my credit score had dropped. To my AMAZEMENT, IT DROPPED OVER XXXX POINTS DUE TO THIS SCREWUP. THIS IS NOW AFFECTING ME FINANCIALLY. I called back and told them this was affecting me and he stated after the research, it would be 30 days or XXXX when they could upload new credit information. I told them this was unacceptable!! My credit score went from XXXX to XXXX just like that. I can't sleep at night knowing this is so low. I called XXXX today, XX/XX/year> and she's now asking for a bank statement showiing proof. I emailed it today. I will call them back Tuesday again on XX/XX/year>. This is slander to my financial well being.
Product: Vehicle loan or lease

The account was opened on XX/XX/2019 and on XX/XX/XXXX they closed the account. the original loan amount was for XXXX they say I have a balance of XXXX I told them over and over the I wanted to return the car to get something different. The car salesman at the XXXX Dealership in XXXX NC forced me to keep the car and said they could not take it back. I left the car at my house parked and told them to come get it. The car would barely pull up a hill it made awful noises. They sold the car in an auction and I received a letter saying it was only valued at XXXX. I have asked for them to work something out and they will not. I just want this off my credit report
Product: Credit card

XXXX - Attempted to locate my current APR but was unable to on the US Bank customer portal. 
Reviewed my most recent statement to see XXXX different rates listed. 
Contacted customer service to get the accurate APR rate and have the inaccurate rates removed. I was initially informed to review my statement for this information. I informed the representative of the confusing information to which the response was similar to " well, that's where you find your rate. '' I asked to speak to a supervisor. I was transferred to the supervisor who informed the XXXX of the APR rates were for previous balances from previous years. I asked how I was to interpret that with the limited information provided, to which I received a response similar to " oh, I can see how you would be confused. I was also informed that there is no way to remove the inaccurate APR rates. 

To tell a customer to review the statement for the XXXX only to find it is very confusing to determine which is the correct rate is very dishonest and misleading.
Product: Credit reporting or other personal consumer reports

Complaint submitted under XXXX regarding Transunion 's refusable to conduct a legal and proper investigation into a factual disputed discrepancy for account : XXXX XXXX XXXXXXXX Transunion was specifically asked to correct the account 's payment history and to provide proof of verification ( e.g., creditor 's bank account statements reflecting all of my payments ). They are required by law to update, correct or delete and did neither. 

Transunion responded to the complaint submitted to CFPB XXXX as " verified '' but did not provide me with any information regarding how they verified the inaccurate account. 

This is a violation of my rights under FCRA Section 611.
Product: Debt collection

KIA Finance America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Isnt confirming with me for approval loans. 
I have a double verification and fraud alert and this company isnt taking the law required steps to prove r fraud. Now someone to put an auto loan with out authorization this is fraud
Product: Checking or savings account

I used my debit card fine to purchase lunch today went back to work, finished my shift. Went to get a hair cut and my card was declined after I had received the hair cut. Called Fifth Third Bank and they were very secretive and asked me a ton of verifying questions. Not normal. I explained my car was declined and asked why cause I know I had at least {$900.00} in my checking account. They could not tell me anything. The team that suspended my account had gone home for the day and it was only XXXX EST. They couldn't do anything to help me or help me understand what was going on. I'm left here with no money and no reasoning to even give this business why I can't pay for the service they just gave me which is beyond embarrassing. You'd think a bank that you give your money to and trust would at least give you some sort of notice like a text, email or phone call before making a change like this. Also to maybe call me before making this change and work out whatever the issue is rather than turn it off and then go home for the day. This is beyond stressful as I can only hope this doesn't last more than a day otherwise how am I supposed to pay my bills. I have all my money in that checking account and my direct deposit goes there. My rent comes out next week. Lost all trust here.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX my paypal account has been place a limitation and they ask me for document. 
I sent all my document and the person help me to lift the limitation. 

the same day after the limitation was lifted another permanent limitation has been place on my account without any reason. 

I feel discriminated against because I am not a United States citizen. 
According to what I have read in the paypal policies it is not specified that to use a paypal account from the United States you must be a citizen of that country. 

In any case, I have sent my original documents from my country but they have frozen my money permanently. 

XXXX ( XXXX ) XXXX