23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( Experian, Equifax and TransUnion ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( XXXX, XXXX, and XXXX ). This matter is completely UNACCEPTABLE!

XXXX Company 's Response We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS XXXX Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL I have sent to all 3 credit bureaus of my current drivers license and utility bill in XX/XX/2020, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter on XX/XX/2022 to Experian XXXX XXXX and XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. According to the law 15 USC 1681i procedure in case of dispute accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumers reporting agency is disputed by the consumer and the consumer notifies the agent directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable investigation to determine whether to dispute information is in accurate in records the current status of the dispute information or delete the item from the file in accordance with paragraph five before the end of the 30 day period beginning on the date which the agency received the notice of the dispute from the consumers or reseller
Product: Credit reporting or other personal consumer reports

I was stunned to see inaccurate accounts appear on my credit report this morning, and I cant understand how this happened. When I checked my credit report, as I normally do, I was shocked to find discrepancies that came out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies remained. This issue has left me deeply unsettled, and Im requesting that the documents Ive submitted be reviewed carefully to prevent this from happening again.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

In XX/XX/XXXX, I spoke with XXXX XXXX loan officer about refinancing my existing mortgage the property is located at XXXX XXXX XXXX XXXX with Loandepot. I gave XXXX XXXX my information to access my credit history. She informed me that Loandepot would be able to pay off my existing mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My car from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXXXXXX account. I was eager to begin the application process, and I gave XXXX XXXX permission to proceed with the refinancing application. I also communicated with XXXX XXXX. She asked me if I have homeowner 's association fees for the property located at XXXX XXXX XXXX which is the bearer of the home equity line of credit. I told her I did not have HOA fees for that property. She also asked for tax receipt for XXXX XXXX XXXX which I submitted to her. XX/XX/XXXX, I spoke with XXXX XXXX by telephone. She was going over the final paperwork before closing, and XXXX XXXX specifically said that XXXX XXXX XXXX, XXXX, XXXX, and other creditors will be paid. We never discuss cash-out until XXXX XXXX mentioned {$43000.00} on that day. Closing was signed on XX/XX/XXXX. I received an email a few days later. It stated that I should continue paying my bills until payment was funded to the creditors. I kepted checking my online banking accounts to see if my creditors were paid. On XX/XX/XXXX, I contact XXXX XXXX to inform her that my creditors were not paid. XXXX XXXX emailed me XXXX XXXX email address. I let XXXX XXXX know that my creditors weren't funded. She replied, " your mortgage is paid, and you receive cash out ''. I told her that the agreement was to pay off the creditors. I was misled through the entire refinancing process, and the ramification of their deception will set me back financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been demanding to have these accounts removed with XXXX and experian, and they refused to do so. I have been in communication with XXXX and experian, they are refusing to remove these accounts that they did not have permission or consent to furnish on my behalf. They did not respect my rights to privacy, nor did the have any written instructions from me pursuant to 15 usc 1681 ( a ) ( 3 ) and 15 usc 1681 ( a ) ( 4 ). Please see the following XXXX accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit ADDRESSES THERE SHOULD ONLY BE XXXX XXXX XXXX XXXX XXXX XXXX ALL PHONE NUMBERS- EXPERIAN ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX card ADRESS THERE Should only be XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX NAMES Should only be XXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds wirhin 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX credit card. And Hard inquiries. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove the items listed below. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit card

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue XXXX and concern. I ask that you rectify this mistake promptly by updating my account.
Product: Vehicle loan or lease

Two car was out in my name from michigan first and United auto credit I never applied or received anything from these companies
Product: Mortgage

I was contacted by XXXX XXXX of XXXX XXXX XXXX I gave her some information on XXXX XXXX she contacted me and said I was approved for the loan, but I have to get an appraisal for {$450.00} from this specific company that they go through for appraisals I told her I did n't have that type of money obviously looking at my income that is nearly half of my monthly income so she knew that I was borrowing the money she told me and the borrower on speakerphone that will be closing in two weeks and I would be able to give the money back, the appraisal company help my money for over a week and did n't do an appraisal within that time she contacted me and said I was denied and I asked about my refund she said she would talk to her manager the next day when I contacted her she said I was asked me if I was excited because I 'm approved they sounded different underwriter and not to worry so that day or the day after the appraiser came out of course to do the appraisal. XXXX had put somewhere in some paperwork that my house was worth {$90000.00} the appraisal came back for {$73000.00} I would have never estimated so high but somehow she came up with that *she also lied to me and told me that the APR was 4.7 when he was actually 5.6 for the proposed loan she actually lied to me twice and told me I was approved for the loan obviously because I 'm not, she misled me to believe I was approved, I did not have to agree to do the appraisal, had I known I was denied but she lied to me and told me that I was approved. Now she refuses to respond to correspondence in her company is not cooperating and giving me my money back. It 's already been a month she told me and the borrower that we will be closing in 2 weeks so I could give the money back with the cash out and it 's been over a month now, I still have to pay back that money to the borrower They Do n't Really Care that the loan did n't go through she said we will be closing in two weeks and so I was expected to pay this money back in 2 weeks unaware that being so misleading was part of professional courtesy. For now the law and compliance Department of XXXX XXXX mortgage is doing an investigation on recorded phone calls to see if she told me that she would give me a refund on my denial. It seems very condescending why would she make that type of insurance when she had told me I was approved? I need that money back.
Product: Vehicle loan or lease

Flagship Credit Acceptance agreed to mark my account as closed, settled in full due to my settlement on XX/XX/XXXX. I was able to find a car dealership, XXXX, to purchase the XXXX XXXX XXXX at the full settlement amount of {$17000.00}. Flagship created a letter of guarantee for XXXX confirming they would receive the title to the vehicle once their payment is received. I received confirmation from Flagship and XXXX the sale was completed, and the title was sent to XXXX. I do not own this vehicle anymore as of XX/XX/XXXX. Flagship told me it may take a few weeks for my account to be closed out. I was patient and the following month I received a bill from Flagship showing an outstanding balance. I called Flagship and told them I received a bill and asked what was going on. They assured me my account was closed and settled in full and that it may take a while for it to be closed out. I was patient again but received another bill the next month. I called and spoke with XXXX XXXX XXXX. He assured me the account will be closed, and no further action is needed, and he sent to upper management for my file to be closed out. Earlier this month I noticed the account is still on my credit report. I disputed the account saying it was closed and settled in full. Instead of updating the account with the correct information Flagship updated the account saying I have not made a payment since XX/XX/XXXX and that my balance has increased. This caused my credit score to drop and caused me to be denied from a personal loan I really needed. I called Flagship yesterday, XX/XX/XXXX, and spoke with a woman who started the call by saying I had an outstanding balance and my account was past due and if I will be making the full payment today with a debit card. I do not own this vehicle, and haven't since XXXX! I had to explain my entire story again to her and then she put me on hold. She said the same thing every other representative has said " your file is being sent up to upper management to be closed out '' and that it may take 48-72 hours. She then told me there would be no confirmation of this action and that I could call back in two days to see the status. This is extremely wrong and has damaged my credit report and score and has prevented me from securing a critical personal loan. Flagship continues to falsely report my account and fail to close and settle the account in full. It has been 5 months- there is no paperwork that could ever take that long. I feel like they are ignoring my requests and pushing me around to different representatives. It is very shady and an unfair practice. I also went into my secure messaging portal with Flagship and my communications regarding this settlement have " expired ''. This is very odd and also raises red flags. I messaged with XXXX XXXX in the portal, and he sent the letter of guarantee there. Luckily, I saved the letter elsewhere and it is attached. Also attached is screenshots of the portal and communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single  family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

I need you to delete these accounts completely because they are affecting my credit report. I am hereby requesting that you delete these accounts because if not, I am within my rights to proceed legally and under Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had an active Bank of America checking account since XXXX. 

On XX/XX/XXXX, someone was able to go online and froze my checking account. The account is shared with my grandma. My grandmas caretaker is the person who froze my account because In retaliation for reporting her to adult protective services. 

On XX/XX/XXXX, I wrote the bank an email explaining the situation and I scolded them for allowing a person to simply go online to freeze an account. 

I reported the caretaker to the police and to the bank. I closed the checking account Ive had for 14 years and opened a new account with the same bank. 

On XX/XX/XXXX I get a call from the resolution center who is asking me to give them my password and I told them who are you kidding and hung up the phone. I immediately called my bank to tell them that I received a call and they wanted my password. Apparently it was the bank but asking a password goes against everything you are told about scams. 

I work for the XXXX  - The state of XXXX  and they were unable to procees my direct deposit request in time so they issued me a check for {$5300.00}. I made the deposit on XX/XX/XXXX. 

On XX/XX/XXXX I drove to the bank with my XXXX  paycheck, I made the deposit with the teller. The teller did not inform me there would be a hold, in fact the teller said the money will get in the account tomorrow. 

On XX/XX/XXXX, I go to pay my bills and my account has {$150.00} dollars and a memo stating funds will be held until XX/XX/XXXX as the check might be returned. 

On XX/XX/XXXX, I called the bank, they couldnt provide me any information, I drove to the bank and made a call to the bank end, they didnt provide me any useful information and I spoke to the XXXX  XXXX branch manager and she said there was nothing she could do or tell me why my money the same checks Ive received this part year-was being held. Every person I spoke with told me a different story : 1. Its because its a new account 2, its because your check was too much 3. Its actually not us that placed the hold the check looks good its the issuers bank None of them even cared they I had only {$100.00} to last 10 days. So rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open accounts with XXXX XXXX XXXX and had fraud and my card stolen at the time, went to the bank filled out paperwork and told I wouldnt have to do anything else. Left bank. One week later went to follow up and whole branch closed XXXX XXXX - XXXX, MD Branch this was 2016 Now they are on reporting Chex Systems and its fraud!
Product: Mortgage

Wells Fargo put me into a loan forbearance program in XXXX. With the promise that no negative or derogatory information would be reported during this period. They have continued to report negative late payments against my mortgage creating great financial harm to my efforts to recover financially during the Pandemic
Product: Checking or savings account

On XX/XX/2013, I walked into Chase Bank XXXX XXXX in XXXX, Ohio. I met with XXXX a personal banker and told him I was interested in changing banks because XXXX XXXX had charge me a {$10.00}. Fee that I shouldnt have been charged. 
XXXX offered me a Veterans Checking account, He stated you get free checking, Free checks and a free safety deposit box. All for being a Veteran I agreed and have been a Chase customer for more than 10 years. 

After 10 years and 1 day XXXX Chase took {$53.00} out of my checking account without my consent for my safety deposit Box, without notifying me. 

On XXXX after returning from vacation I called Chase customer support and was told to go to the Branch Office. 
I then went to Chase Bank XXXX XXXX in XXXX Ohio and was told that they changed the policy. I told them I wanted to cancel the safety deposit box and i was advised they werent going to refund my money. 


On XXXX @ XXXX XXXX  I received a call from Chase XXXX and the female on the line stated we changed the policy and your not getting a refund. 

I was NEVER notified about the change in policy and never agreed to pay or have money taken from my account.
Product: Credit card

I have been a long standing customer with Discover Card. I called to make arrangements for a lower interest rate or to set up a hardship payoff. I was told they could not offer any assistance and that I would need to go through a credit counseling company or that I would need to allow my account to go into a non-payment or default status prior to them helping me. I have always made my payments on time and I think it is ridiculous I am paying XXXX
Product: Checking or savings account

Discover Bank closed these CD without proper authorization : XXXX, XXXX, XXXX. 

As a result I incurred Early Withdrawal Penalty. 

All I asked of them was to change Instruction on Maturity to : Close when Matured.

Instead they closed CD with Penalty. 

Discover Bank also employs dishonest marketing : they deliberately make it impossible to change Instructions on Maturity to : Close Account. 

Instead you have to call their 800 number where they have do not answer at all, or would not even talk about closing. 

Therefore Discover Bank denies to me control of my money ( as a comparison, opening CD can be done online without any phone calls ). So there is only way in and no way out -- a clear sign of deceptive and abusive practices.
Product: Checking or savings account

On XX/XX/2024, I deposited {$2000.00} into my checking account. A few hours later I attempted to make a withdrawal for {$2000.00} to pay some bills at a different ATM Location. I received an error message from the ATM, claiming I was over my daily withdrawal limit and the transaction was declined. I then attempted to withdraw {$1000.00} but received the same error message and my card was returned but no funds were issued. I checked my bank account balance and ( {$1000.00} ) had been deducted from my balance despite no funds being issued. I immediately filed a claim over the phone with a specialist and was told it may take up to 10 business days. I received a provisional amount of {$1000.00} credit to my account on XX/XX/2024. A few days ago I received a later in the mail stating my claim had been denied and the amount would be deducted from the account. Today on XX/XX/2024 the amount of {$1000.00} was deducted from my account causing me to be overdrawn by - {$950.00} dollars. I immediately called a claim specialist and explained the situation and felt belittled by the customer service team. I do not feel Wells Fargo treats their customers fairly our care about their customer satisfaction.