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

as of XX/XX/XXXX have notice fraud accounts n inquiries on my credit report ACCORDINGLY " FAIR CARES ACT '' LAW THESE FRAUD ACCOUNTS ETC MUST BE PERMANATLY AND INDEFINITLEY! 
list of fraud inquiries that must be removed. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

I spoke with BMW Finacial about the first payment since I was trying to make an extra payment to go to the principal the payment is of XXXX, I did a payment for XXXX $ thinking that it will apply all to the principal. The next day I did realize that not all apply to the principal and I called BMW Finacial to see what happened the Customer services Rep. 
State that since it was paid the full amount due it will not apply to the principal, so I did paid the remaining balance witch it was {$130.00} to make the full payment I told him that a payment of {$330.00} will apply on the due date and I asked him if it will go to the principal, he state that it will, the due date came today and only apply XXXX $ of the XXXX $ to the principal which it was not what the BMW Finacial rep state. I called them to see what happened and they will not help me even they gave me the wrong information and the manager XXXX said to fill a complain but he will not help me and there is nothing they can do even one of their employees is giving the wrong information. defiantly a bad experience no much help and rudeness and misleading information for part of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXXXXXX 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 XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have initiated disputes for the listed items on my credit report, and I have serious doubts regarding the thoroughness of the investigation conducted by your company. Regrettably, the requested evidence to substantiate the account has not been provided, and the documents I submitted as proof of the inaccuracy of these items have seemingly been overlooked. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), your company is obligated by federal law to undertake physical verification of the original signed certified consumer contract for all accounts submitted for posting or reporting on a credit report. Given the absence of this essential verification, I insist that these accounts be promptly removed. 
In light of the FCRA 's requirements, I kindly request the immediate deletion of these disputed accounts from my credit report, ensuring compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them. Also, I was never late with XXXX XXXX as I have attached my document to show it.
Product: Checking or savings account

On XX/XX/year>, I opened a XXXX XXXX XXXX Account ( online ) with M & T Bank. I was immediately approved, provided an account number, and received a debit card in the mail several days later. 

In the ensuing days, I attempted to transfer money into the account, however the " trial deposits '' that I arranged for ( from an existing bank account I have ) never showed up in my M & T Account. 

This particular checking account had a promotional bonus attached to it, in which I was to be given {$350.00} for maintaining a {$10000.00} balance through XXXX and XXXX, 2024. 

As I was unsuccessful in transferring funds into the account, I moved some of my own assets around, and brought a check to the XXXX, XXXX  branch of M & T Bank on XX/XX/year>. Initially, that morning ( on my way to work ), I attempted to deposit a check for {$10000.00}, via the on-site ATM, but this transaction was rejected without further explanation. Later that day ( on my way home from work ), I stopped by the ( same ) XXXX, XXXX  branch, and attempted to deposit the check. The teller informed me that they were unable to deposit the check, possibly because of the size of the check, or possibly because I " waited too long '' to make an opening deposit. I was asked to wait for a Banker to discuss the matter further. My meeting with the Banker ended similarly, with the Banker unable to make the deposit into my account, and ( this time ) claiming that " it was for security reasons. '' Later that same day, I called M & T Bank ( I assume the national main line ), to inquire about what, exactly, was happening. This time, I was told that my account had been closed the prior day, due to my failure to complete a " XXXX document '' which I, in fact, had never even received. 

I was told that my account was unable to be reactivated, " for security reasons. '' I was told that I could try to open another account if I chose. I went back and read the terms of the promotional bonus that I had signed up for ( on my original account ), and it indicated that I would be ineligible to receive this bonus ( if, indeed, I went through the hassle of opening yet another M & T XXXX  account ), as I had an account closed within the past 180 days. 

So now, it appears that I'm more-or-less " stuck. '' I have no idea why M & T chose to close my account, but it most certainly seems that, perhaps, they did so to avoid paying a bonus that they were obligated to pay upon my meeting the terms associated with it. This sort of practice appears to me to be rather transparent and unscrupulous.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX todays date XXXX Have looked at my credit report and I have seen multiple fraudulent inquiries on XXXX equifax and XXXX I have not authorized permitted or gave any permission for any of these inquiries. By FAIR CARES ACT LAW us code 1681c-2 and 1681s 1679c disclosure 1681g 1681b permissible purposes of consumer report 12 USC 55334 response to consumer complaints and inquiries LIST OF FRAUDULENT INQUIRIES XXXX XXXX XXXX date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I opened up a 360 Capital One checking account after the date of XX/XX/year>, after I read that there was a {$250.00} bonus for XXXX transactions over {$500.00}. On XX/XX/XXXX, I received these XXXX {$500.00} transactions, and my checking account has been frozen ever since. I have not received the bonus, even though I met the qualifications, and I have tried calling the company, to no avail. Its a shame they have a non-existent customer service support chat with representatives.
Product: Credit card or prepaid card

I received a letter XX/XX/XXXX that my application for credit card through Truist Bank, where I have a checking account, was denied. The letter gave a contact phone number to request reasons for denial. I called it XX/XX/XXXX and was told I had to call back the next day which I did. On that XX/XX/XXXX call, I requested reasons for denial and was told I would receive an Adverse Action letter within 30 days. Still no response as of XX/XX/XXXX, I called the contact number. The rep said she could see my request of XX/XX/XXXX was logged in but could not see that a response letter had been sent to me. I notified her that they were in violation of the ECOA and FCRA. She said she would check the status and call me back. I have never received a call back or explanation for the credit denial. On XX/XX/XXXX I mailed a letter to them providing this same summary and written notification that my ECOA/FCRA rights have been violated and copied CFPB. I expressed concern that I was discriminated against because I am a retiree who relies on my substantial assets in lieu of employment income, that their lack of compliance with Federal regulations furthers my discomfort and that I look forward to their written response. To date, I have received no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting old information in which according to FCRA are old accounts and they can be update from my credit file. I requested via fax again for the updating of the old creditors and the old account haven't been updated. This is the account in which I am asking to be updated from my credit file XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}. I am no longer liable for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries where not authorized and are impacting my credit report severely.. 
XXXX - XX/XX/XXXXXXXX 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 Equifax Please help. I have a suspicion that My SSN is easily stolen due to the simplicity of the numerals
Product: Checking or savings account

Whenever I get paid, I will transfer my check to my savings account, and I will transfer funds I need them, and I will see where the amounts change. They will go back and take that same amount over drafting my account. I said something to them about them double charging me twice, and they will say something about having the over-draft fee protection coming from savings account. It never made sense I said something twice.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. For you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by CDIA in their CRRG, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX XXXX XX/XX/year> The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XX/XX/year> The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XX/XX/year> The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Mortgage

After losing all income and COVID making it difficult to find work for 6 months! Vanderbilt mortgage did not offer any assistance. Struggling to make payments we managed to keep the payments paid and only fell behind 2 months of payments and a small portion of another. When calling to pay over {$800.00} once our jobs started and agreed that the account would be up to date by XXXX I received extremely rude service from not XXXX but XXXX people including a supervisor. Ive explained multiple times our situation and that we were doing everything possible to bring the account up to date. They harassed and humiliated me over {$30.00}. I have kept contact with them once a week and kept them updated of our situation our account is only behind XXXX payment now. There is no reason they should bring a client to tears over {$30.00} after seeing the notes of our situation and me being more than willing to work with them and be polite and understanding. The disrespect from this company outrages me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is insensitive to my age and health situation and is denying me credit and filing incorrect credit reports with missing information or old information that is not relevant this is clearly affecting me XXXX  and XXXX  and placing my health at risk and denying me a care  credit card through Synchrony bank
Product: Student loan

My name is XXXX, my grandmother XXXX who is a co-signer on one of my loans which was with XXXX before XXXX was taken over Navient Solutions.  Navient Solutions has harassed my grandmother XXXX for several months and are now stating that they are filing a law suit against her for payment on the loan.   My account has been in deferment because I am currently in school at XXXX, additionally, in XX/XX/2015 when I had access to my online account my deferment was still in place for my account.  My grandmother starting complianting around XXXX that she can not take getting several calls throughout the day regarding this loan.  When she finally talked with them she direct them to contact me...However, their first contact was through a mailed letter date XX/XX/2015, and since they have been speaking with my grandmother XXXX, I no longer have access to my account because they have deactivated my account as they have been pursuing and persecuting  my grandmother for payment.  They have given my grandmother a different account number for the same loan. When I call them to discuss the account they can not find my information. I just recently starter receiving letters stating that my loan is in default and that I need to contact them to make arrangements.  I want them to stop harassing and threatening to sue my grandmother for payment on this loan, because I have always been responsible for this loan by either making payments on this loan or having the loan in deferment due to my continue education status. Bottom line want them to work with me which for some reason that have chosen to harass my XXXX year old grandmother who is on a fixed income.
Product: Credit reporting or other personal consumer reports

I do not have the exact dates of when the disputes were last disputed but i do have letters from said company.
Product: Student loan

On XX/XX/23, I was approved through Aidvantage for an income-contingent replacement plan where I would pay {$68.00} a month. I just got an email on XX/XX/23 that they changed that to a SAVE program where I would pay XXXX  XXXX monthly. I don't know how this happened. Maybe I applied accidentally, but now I can't get anyone on the phone and the chat app is shut down because it says they are too busy. I can't pay for this.
Product: Credit reporting or other personal consumer reports

To my utter dismay, I saw inaccurate accounts suddenly appear on my credit report, leaving me confused and stressed. I check my report regularly, but this time, there were discrepancies that came out of nowhere. Despite refreshing the browser to rule out a glitch, the errors stayed. Im requesting that my submitted documents be thoroughly checked to ensure this is resolved for good.
Product: Mortgage

I manage an XXXX called XXXX at XXXX XXXX. On XXXX/XXXX/2013 the bank, Mortgage Investors Corporation filed an order to foreclose on a property located at XXXX XXXX XXXX in XXXX, NC. They assigned a trustee, XXXX XXXX XXXX, XXXX to handle the foreclosure. Since then the bank has not moved forward with the foreclosure. The homeowners are not paying the XXXX dues and this is causing the XXXX to lose money that is to be used to pay for the maintaining of the units in the community, as well as the property not being taken care of by a homeowner that lives there. This puts the XXXX in a bad financial position and other owners are concerned with their unit values as they are living in a community with a home that is vacant that no one has done anything with in over 2 years.
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX XXXXXXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX. Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. Account Number : 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

In accordance with the fair credit reporting act XXXX  account XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXs # XXXX, XXXX XXXX XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 604 A States A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name. 

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ XXXX- {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.
Product: Credit reporting or other personal consumer reports

Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as XXXX XXXX XXXX' or " XXXX  '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.
Product: Checking or savings account

My account was hacked by an unauthorized user through Credit Karma and XXXX  of dollars was withdrawn from my savings and checking accounts. I caught the issue right when it started, when my phone number and email address were changed without any authorization, and money started being withdrawn and transferred in increments. I called Credit Karma immediately and reported the unauthorized actions and they said they can see the withdrawals coming from someone in California but that there is nothing they can do until the pending charges go through and then I can dispute the charges. They said that once the charges are disputed, the money will be returned to me immediately. I asked them to freeze my cards and freeze my account but by the time they did, over {$4200.00} was withdrawn from my account and transferred to someone else 's XXXX  account. After the charges went through and I disputed the charges, they said that it will take up to 120 days for the investigation. They then said that since I've used XXXX in the past I have to contact that merchant. The XXXX account is not linked to my own account and is under the name XXXX XXXX. I contacted XXXX and they said it is clearly not linked to my account, which I told Credit Karma. They have not responded. This issue started on XX/XX/XXXX and I have called and emailed Credit Karma dozens of times over the last few weeks and am not getting consistent responses. I need my money returned, transferred out of Credit Karma to my secure XXXX bank account, and my Credit Karma account closed.