23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers.Creditor has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Mortgage

XXXX XXXX refused to speak to me during the mortgage closing process.

I called the main Annie Mac customer service number to complain  against XXXX XXXX, and I said I needed to speak to the owner. I was given to XXXX. 

When I called back to customer service, I told the female I needed the owner to complain, and I was told that was not an option.

I was then hung up on. The loan officer called me, and told me I could not speak with the owner, and he would relay the message. I told him this seemed weird and unprofessional. He said he would loop me in on a call. I told him that was unacceptable.

I still have not heard from the owner. 

new address is XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX, Processor, AnnieMac Home Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX Email XXXX XXXX XXXX Ext. XXXX Fax XXXX
Product: Debt collection

I have made several attempts to contact this company regarding the debt they are improperly reporting to my credit report. This is my second complaint, in the previous complaint I requested documents showing proof of the debt including documents that show my original signature and any information showing the company properly vetted and verified the identity of the person acquiring the debt. Please upload those supporting documents in this complaint or remove this egregious account from my credit report. This will be my last attempt to clear this matter before filing a lawsuit against your company.
Product: Checking or savings account

Nevada unemployment deposited {$20000.00} into my chime account and I needed to buy a car with the XXXX they wouldn't let me pull it all out so I was sending money to my other prepaid account that I have so I can pull it out to get a car they froze my account so they want a documentation of where the money came from and a picture of my ID I sent a picture of my ID and the documentation where the money came from which was the EDD and they sent it straight to them their deposit so they know where it came from then they start sending your W-2 form will my money didn't come for me working my money came from the Pua see which determines that I can't work for the coronavirus that's why they're paying me cuz I can't work is rather close down get my money back
Product: Debt collection

In XX/XX/XXXX, I was in a car accident with my XX/XX/XXXX XXXX XXXX. I had insurance as well as gap insurance. In XX/XX/XXXX my personal insurance paid 5000 plus towards the loan and my gap insurance paid the remaining balance. I received a letter from Santander Consumer that my loan was satisfied and the lien was released from the title. I have enclosed a copy of the letter from Santander Consumer. I have contacted the company multiple times and was unsuccessful with getting them to remove the false information from my 3 credit reports.
Product: Checking or savings account

Bank of America ( " BofA '' ) is scamming/punishing customers who dare to post public complaints on their XXXX page.
I have my XXXX year old mother 's power of attorney. After BofA convinced my mother to make me a co-signer on her accounts, claiming it would simplify things, I spotted charges she did n't recognize, and she was being charged fees she should n't have. The fraudulent charges were eventually reversed and the money returned to her account. The fees were waived.
My mother 's HELOC is at a different financial institution, XXXX XXXX XXXX XXXX ( " XXXX '' ). One month, there were insufficient funds in her savings account to make an in-house payment, so I requested BofA wire the funds to XXXX. Instead of wiring the funds as requested, BofA deducted the funds from my mother 's account, wrote a physical check and mailed it. When I complained to BofA that my mother 's payment was going to be late because of their actions, they refused to honor the check.
I recently discovered BofA was again charging my mother fees, this after they assured me all fees were being waived. I went into the XXXX XXXX branch and met with the branch manager. Some ( but not all ) of the funds were returned to my mother 's account. She was granted a six month waiver on future fees, and was told I could request the waiver be extended every six months.
The next day, I received an email from BofA stating the waiver for two months only and was not renewable.
Frankly fed up with the on-going problems with BofA, I posted a complaint on their XXXX page. They refused to discuss the problems with me, insisting I had to go to a separate " help '' page, a page which required me to give BofA access to my XXXX page. I refused. Then I received a XXXX Message from their " help '' desk. Again, they refused to discuss the problems with me, and directed me to log in to a BofA page which in not secured, has no security certificate, and is tagged as " deceptive. '' When I refused to login ( and provide my password ) to this " deceptive '' site, BofA 's employee attempted to goad me into inputting my information by accusing me of elder abuse.
Clearly, BofA not only as no interest in resolving customer 's complaints, they are actively trying to harm customers who complain publicly.
Product: Checking or savings account

Citibank checking account. Need access. Phone reps denied existence of and then when transfer was requested, they claimed it went through. Transfer was rejected incorrectly from Citibank. Requesting access
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  has a XXXX XXXX  account that is closes on my credit. 
XXXX XXXX XXXX has went to collection for XXXX XXXX also for XXXXXXXX XXXX  XXXX XXXX XXXX has went to collections for XXXX $ XXXX. XXXX, XXXX has went to collections for XXXXXXXX XXXX XXXXXXXX XXXX has been placed on collections for XXXXXXXX XXXX XXXXXXXX XXXX has been placed collections XXXX XXXX  XXXX is placed in collection XXXX XXXX
Product: Debt or credit management

I had to close my account after giving them ~ {$7000.00}. They did not call creditors except for one. They are returning {$2400.00} without any resolution to my account.
Product: Consumer Loan

My XXXX XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. BMW FS was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of BMW mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by BMW XXXX staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On a regular basis when I log into my online banking account, I get a screen asking me to verify personal information. It says it is missing critical information and that I should update this question : " Do you have dual citizenship? '' and further, it states the field is required. I first received this screen in fall 2017 ( I have been a customer for about 20 years ) and although I answered the question, I continue to receive this screen whenever I log in. I now resort to bypassing it. 

I would like to know : ( 1 ) Is this question being asked of all BofA customers? 
( 2 ) What law or regulation allows a bank to inquire about dual citizenship and maintain this information? Do I need to be a citizen to access financial services? If not, is n't this an invasion of privacy? 
( 3 ) How is this data maintained and is it shared? 

Lastly, why does the bank continue to ask this of me despite my already having provided this information willingly.
Product: Credit reporting or other personal consumer reports

Im frustrated and confused by the unauthorized inquiries on my credit report. Even after refreshing my browser, the issue remains unresolved. I demand a prompt review of the documents Ive sent to fix this situation now.
Product: Debt collection

I was not given enough information to verify that I owe this debt. I have no knowledge of who the debt is owed to
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 XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX Account name : has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 card

I was using my PayPal account to purchase an item on EBAY. When the option for PayPal came up I selected pay and link my accounts. PayPal asked for confirmation and the last four of my social security for security purposes. Two seconds later I have a credit card I did not want! They ran a hard check and will be on my credit report for two years. Can I please get this inquiry removed? What can I do to stop PayPal from doing this to other people? They are deceiving and stealing peoples money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage processor incorrectly reported my 30/60 days behind at beginning of my covid forbearance. 

They have since suppressed the reporting. I have contacted and opened multiple disputes at Transunion. Transunion tells me that there is nothing negative on my credit report to dispute and that my report is fine. 

But Im being declined for credit from XXXX XXXX and the key factors are " serious delinquency '' clearly on my credit applications. I also have XXXX reducing my credit limit and when I look at my Fico score it says " serious delinquency '' I have asked multiple times to speak with a supervisor but I dont receive any calls back. 

Even inside Transunion account it says accounts with adverse information and lists my mortgage processor. 

See the attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I discovered two items from XXXX XXXX XXXX XXXX that appears as Debt Recovery Soluti Account XXXX in the amounts of {$1200.00} and {$100.00} had been re-inserted into my credit file. I informed XXXX   that they are required to notify me within ( 5 ) days of re-inserting previously deleted items. I did not receive such notification. Please delete this item immediately
Product: Prepaid card

Company said just keep trying it at other stores after it was rejected from three different places. Not helpful. Can not be used virtually anywhere.
Product: Credit card or prepaid card

Ive had a Capital One Credit card with Capital One Bank since XXXX. Ive only had an increase in balance one time for XXXX and that was 4 years ago. Ive had more than 100 successful payments. I used it over 30 percent of the balance but it was mostly during the pandemic and always paid 80 percent of the entire balance off at once and didnt have a carry over balance. Ive had two big salary increases from my employer over the last three years and the last one was on XX/XX/XXXX. Each time Ive asked for an increase, it was silent as empty box. They never could tell me why, and I never receive any information as to why. I never have gotten a letter, email or text stating that I dont qualify. It has said only, its being reviewed and someone will get back to me shortly. A year or more I asked and, just on Sunday, XX/XX/XXXX I asked and still the same message. This is keeping my credit from rising. All of my other credit cards have over XXXX limits. And its oddly strange that Capital One will not budge. Im really starting to feel like Im being discriminated against. Everything this company is questionable. This is what prompted me to close out my checking and savings account with them. Is this against the law? It wasnt every month out of 4 years that my balance was over 30 %.
Product: Credit reporting or other personal consumer reports

Experian was asked to investigate collections that were reported on my account. The collections were removed a year ago from the account. Fast forward to today, and it suddenly reappears.
Product: Debt collection

I obtained my credit report and on my reports is a medical collection from Account Resolution Corporation for multiple dos that were denied ( see attachments ). The treatment I received and the dos that were denied were related to my XXXX XXXX claim # XXXX. My XXXX XXXX claim was handled by XXXX claim # XXXX, ph. XXXX. The dos that were denied are : ( XX/XX/XXXX # XXXX {$35.00} ), ( XX/XX/XXXX # XXXX {$5.00} ), ( XX/XX/XXXX # XXXX {$68.00} ) & ( XX/XX/XXXX # XXXX {$73.00} ). 

On XX/XX/XXXX I sent a notice letter to Account Resolution Corp. informing the medical collection agency that the collection was in correct and related to my XXXX XXXX claim, that XXXX denied as unrelated to my XXXX XXXX claim. I request that Account Resolution delete the derogatory and incorrect collections and report to the credit bureau 's. 

Account Resolution sent me a letter stating the debt was validated and included the medical ledgers. 

I called XXXX on XX/XX/XXXX and spoke with a XXXX XXXX Adjuster about the dos of that were denied and related to my XXXX XXXX claim. I was asked to fax in the medical ledger and reference adjuster XXXX XXXX and my claim # XXXX. I called to confirm receipt of ledger and was told that claim # XXXX does not exist.
Product: Credit reporting or other personal consumer reports

In accordance wiith the fair credit reporting act account # XXXX and Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States i have the right to privacy.

15 U.S.C. 1682 Section 604 A Section 2. It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX, Experian are reporting on my credit file a address that I have never lived nor do not currently, I gave no consent of any type update on addresses and have previously sent my State Id to confirm identity
Product: Debt collection

My last term at XXXX XXXX University XXXX, I was enrolled in two classes without my consent. I did not register for classes purposely due to a family emergency that took me out of town. Someone at XXXX took it upon themselves to register me for two classes costing a total of {$3500.00} ... account XXXX. Since I didn't register for the classes, I am not paying for them.
Product: Student loan

I have two XXXX XXXX loans serviced by Edfinancial, payments on which are currently scheduled to resume on XX/XX/2023. I am eligible for loan deferment as I am participating in a XXXX fellowship program ( XXXX ). 

As per the instructions provided on Edfinancial 's website, I filled out a XXXX Fellowship Deferment Request form, had it completed by a XXXX authorized official, and transmitted it to Edfinancial through its relevant online form around XX/XX/2023 along with ancillary requested information. Said form is attached to this complaint. 

On the same day, I sent Edfinancial a message through its contact platform asking for confirmation of receipt of my deferment request, and inquiring as to whether my payment currently due on XX/XX/2023 would be deferred upon processing ( as my grant began on XX/XX/2023 ) or whether I should repay it before its due date. I was seeking clarification as I was ( and remain ) confused by these statements on Edfinancial 's website : " Your loan will remain in repayment status until your deferment is approved. '' " If your deferment does not cover all your past due payments, you may be eligible for a forbearance for all payments due before the begin date of your deferment or if the period for which you are eligible for a deferment has ended, a forbearance for all payments due at the time your deferment request is processed. '' Upon submission of my deferment request, I received differing estimated processing times from Edfinancial. After completion of the deferment request questionnaire, Edfinancial 's website states that " once your completed form and certification are received, your request will be processed, which can take up to 5 business days. '' After upload of my XXXX XXXX Deferment Request form, Edfinancial 's secure file transfer platform gives a processing deadline of 10 business days. 

Regardless, on XX/XX/2023 ( 13 business days after my initial request ), I had received no communication at all from Edfinancial : no confirmation of receipt, no confirmation of processing, and no update on my borrower portal. I had also received no answer to my message, of which I do not even have a record of sending since Edfinancial is only reachable via its own contact platform, which gives the sender no copy of their communications. 

On XX/XX/2023, I attempted to call Edfinancial 's contact number ( at personal cost, since I am abroad on my XXXX ). I waited 45 minutes on hold before having my call answered, upon which it immediately dropped. After that, I re-submitted my deferment request and sent a message broadly similar to the one I sent around XX/XX/2023, via the same channels. I have still received no communications or updates from Edfinancial. 

I intentionally submitted my deferment request well ahead of my payment due date of XX/XX/2023, hoping for my request to be processed and granted before that date to avoid any confusion or unnecessary payment. That date is coming up in 6 days, and in any case, we have well exceeded the processing time of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was discharged via bankruptcy from XXXX has somehow found its way into a new collection agencies hands ( XXXX XXXX XXXX ) and has now become present on my credit reports as a collection as of XX/XX/2020. This new collection account is LOADED with inaccurate information, contradicting information, ( ex : equifax has the account showing as discharged via bankruptcy, and this account has been allowed to pop back up as a collection while still showing its discharged??? ) Furthermore the dates, amounts, source etc. are all wrong! XXXX  dispute was useless and in the reporters favor and havent provided me a stitch of proof or evidence. This company has also failed to make any attempt to contact me by any means and instead decided that they would just report this frivolous inaccurate account. I want it deleted immediately. This is grimy practice.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy.

I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy.

This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be REMOVED Income can not be reported on credit files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What is the civil liability for 15 USC 1681 N in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.