23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Ive had my account with RBFCU since XXXX. I transferred {$8500.00} to my savings there. At noon today XX/XX/XXXX I transferred $ XXXX out of that account to another account. I called back at 5 today to transfer the remaining funds out and they refused to do the transfer. They said they were holing my money until XX/XX/XXXX because of a bankruptcy 24 years ago. I have never had a loan or credit card with them and never lost any money to them. They are illegally holding my money and will not give me access to it. I am currently a XXXX patient on XXXX and was moving funds within the credit union to my XXXX children.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1400.00} XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Mortgage

I had refinance my loan with Cardinal Financials ( XXXX ) around XXXX, switch from XXXX. And that time my loan was XXXX. And I had refinance amount was XXXX including the closing costs, and also I had paid some closing cost amount, i.e. approx. XXXX. 

During shopping for refinance, I was using XXXX as approximate amount, as it took some time and I had been paying the XXXX and eventually I took a loan of XXXX. 

Only in he month of XXXX XXXX XXXX I realized, that the mortgage company is taking money form on the basis of XXXX and they used it as deferred loan which I was never aware of. 
I have been following up with them for the last 2-3 months on the same, but it's not getting resolved. 

I sent so many mail and calls and even now I'm on a call which is kept on hold for the last 35 mins. It ruined my life.
Product: Mortgage

I refinanced my loan and my previous lender/servicer ( BB & T ) charged {$31.00} unusual fee ( Document cancel fee ) plus one extra day of interest ( {$74.00} ). I wired pay off amount a week before funding date to the settlement company and as I know they wired it the same day as the scheduled funding date ( XX/XX/2020 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me two times 30 days late. There was an error on their part. I was never two 30 days late.
Product: Credit card

On XX/XX/year> I received a call from XXXX to upgrade my security system equipment. The agent advised me of the cost and the payment option. One of the options was a 36 month finance option and he said the it would be added to my monthly bill with XXXX, which would be about {$20.00}. He also stated there was a credit check but he assured me that the billing was done through XXXX and would be added to my bill. I agreed to the 36 month payment plan and got the new equipment installed. The issue is what I was told was not true, a line of credit with Fortiva was opened and was added to my credit report. This negatively impacted my credit score. XXXX never told me that a credit will be opened to finance the equipment. XXXX advised that I contact Fortiva to resolve the issue.. I contacted Fortiva on XXXX and explained what happened that the account was opened without my knowledge/consent. They refused to help stating they will not cancel the account or remove it from my credit report.
Product: Debt collection

I have multiple debts that I ca n't pay. On XXXX below poverty level. 
get 10-15 calls a day from many # 's Some have claimed to be from IRS ( checked # 's ) reported as scams from reverse look up. Now I do n't answer phone, in past I 've tried to explain my financial situation to no avail ... they keep calling, I ca n't pay. I 'm ill w/ multiple health issues. Takes every cent that I have to survive. If I could I 'd pay. Some debts are very old? Is there anything I can do to stop these calls? Please help. Have tried to block # 's, they just use different phones
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX credit card is reporting # XXXX ..... 

to experian last payment to a credit card in the amount of {$740.00} last payment date to a card not mine on XXXX and reporting to XXXX last payment date to the same card {$740.00} on a completly different date of XXXX and XXXX  delete it off my report completyl and i want this deleted off all my credit reports asap...
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX with XXXX XXXX XXXX was settled. It is no longer in collections. please remove this from my credit score and see the attached doc as proof. or call XXXX
Product: Credit reporting or other personal consumer reports

I urgently need your assistance as there are numerous and egregious errors in my report from the company MIB. 
Despite never experiencing any of the reported health issues, the report inaccurately states XXXX XXXX, XXXX XXXX ( XXXX ) or XXXX test for which there is no specific code on XX/XX/XXXX and XX/XX/XXXX. 

Falsely mentions a XXXX disorder and XXXX XXXX on XX/XX/XXXX, inaccurately suggests tobacco use and prescription drug evidence on XX/XX/XXXX, and falsely indicates abnormal XXXX levels on XX/XX/XXXX. 

To substantiate my claim, I am attaching my health records from XXXX XXXX for the past years, including my most recent physical examination. Your assistance is crucial in rectifying these inaccuracies and resolving this matter promptly. 


MIB has included reckless driving on my report. I have attached my 10-year driving record from the DMV and am requesting the removal of this error from my driver history. 

Because of there errors on my report. I have been denied life insurance from several providers.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear Sir/Madam , EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/2024, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( TILA ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX & XXXX BANK XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  ( XXXX XXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/2019 I received information via text from Capital One concerning some fraudulent charges. Ive had so many unaurthorize charge on my account so reached out to XXXX to resolve it but nothing happened. Several calls has been made to the bank to recover my fees but I was given no answer. I've had an account with Capital One for about 4 months now and I've received so many fees with has caused my account to go negative ... I valued being a customer but I dont like to give away money and because of that I've fallen behind on all of my bills. I have so many fees on my account and I know that its a bank error. I recently received a text from Capital One concerning a fraudulent charge in result someone had stolen my card so i followed up with them to resolve my account but i was left with paying all of those fraudulent charges ...
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Investigation Violation and Reporting Inaccuracies by XXXX XXXX XXXX and Equifax Complaint Summary : I am filing this complaint regarding inaccuracies in my Equifax credit report and the failure of XXXX XXXX XXXX and Equifax to properly investigate and resolve my dispute, in violation of the Fair Credit Reporting Act ( FCRA ). 

Key Issues : 1. Date of First Delinquency Misreporting : The account shows a Date of First Delinquency ( DoFD ) of XX/XX/year>, which appears inaccurate. This date impacts how long the negative information remains on my credit report and may extend beyond the legally permitted 7-year reporting period.

2. Inaccurate Balance and Reporting : The account indicates a balance of {$600.00} on a credit limit of {$400.00}, with an available credit of - {$200.00}. This reporting is inconsistent with the account status as charged-off and closed. This misinformation harms my creditworthiness and misleads potential lenders. 


3. Failure to Properly Investigate Dispute : My credit report states that this account is " under reinvestigation. '' However, Equifax and XXXX XXXX Bank have failed to provide : Documentation validating the debt. 

Proof of accuracy regarding the reported balance, credit limit, and DoFD. 



4. Reporting During Dispute Process : While under dispute, creditors and credit reporting agencies are required to mark the account appropriately and cease reporting inaccurate information. Equifax and XXXX XXXX Bank have failed to ensure accuracy during the dispute process.
Product: Checking or savings account

Opened a MMA Savings account with BBVA based on a promotion advertised on XXXX XXXX in XX/XX/2019. The account was supposed to carry a 2.5 % APY and a {$100.00} bonus if I funded it with $ XXXX within a specified timeframe. After opening the account, I noted the rate was only 2.0 %. I called and questioned why I didn't get the 2.5 % APY promised and was told that I opened the account through the BBVA web site rather than through a link on the XXXX XXXX site, so the promotional offer would not be honored. I asked that the account be closed and my funding balance of $ XXXX be returned. I was told that new accounts don't allow for that size of a transfer out, so I'd have to initiate the transfer from another bank to pull the funds from BBVA. I did so and drew the account balance down to XXXX with the expectation that the account would then be closed. After having withdrawn all the funds from the account, I received an interest credit of {$7.00} for the few weeks my funds had been on deposit, and figured it would just be easier to let them keep the {$7.00} than to try and get it back. Shortly thereafter they charged me with a $ 15 monthly account fee because my balance was below the minimum balance to avoid the fee, and they wouldn't close the account until I paid the {$8.00} overdraft balance on the account ( {$7.00} interest earned less {$15.00} account fee put the account into an {$8.00} overdrawn balance ). I refused to pay the {$8.00} overdraft because I had instructed them to close the account before the fee was assessed, and they failed to do so. They have assessed another {$15.00} fee this month, so the account is now overdrawn by {$23.00}. I called again, same answer, they won't close the account unless I pay the {$23.00} overdraft. I believe they violated UDAPP when they didn't give me the rate advertised on XXXX XXXX, and further have been refusing to close my account so they can continue to assess a {$15.00} fee indefinitely.
Product: Mortgage

I have called several times, my family friend who is a realtor, and retired loan XXXX has called and email. 
When you call them to start the process to remove the XXXXXXXX of the mortgage, they refuse to help and to you to send a email and refuse to help. 

They tell you the process could take up to 30 days. 
We started this process in middle of XX/XX/XXXX, and sent a email on XXXX XX/XX/XXXX and XX/XX/XXXX, they responded on XX/XX/XXXX taking about the 30 days again, we responded on XX/XX/XXXX and still no answer. 

This process is going on 2 months, with NO PHONE CALL, NO BPO, TO REMOVE MY XXXX  ON MY HOME. 

My mortgage balance is less than $ XXXX, and the homes in my area are valued around XXXX. 

see attached email thread and cma sent.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute the inaccurate or misleading information on my credit report. Specifically, I request the removal of the following inquiries, as I did not authorize these lenders to make any inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have no idea how these people could open an account without me being there. They have showed me no proof that I was there ( I was not, I was hundreds of miles away ).
Product: Debt collection

On XX/XX/XXXX I received a letter from Credit Corps Solutions , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, phone # XXXX, claiming that they now owned a debt I had supposedly incurred for {$390.00} with XXXX. A XXXX representative has assured me that this is not so. I have mailed the letter suggested by CFPB to these folks disputing the debt ( thank you so much, CFPB ), but am in addition submitting this complaint in the hope that others can learn from my experience should they receive a letter such as the one I received. ( It was actually a pretty poor attempt on this outfit 's part, since if they actually had obtained rights to collect this nonexistent debt from someone, they would not have badly misspelled my name on the letter to me ; but there was enough correct in it to show that I was the intended recipient ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows several hard pulls from Experian. I had used Experian to monitor my credit score, but to my knowledge I did not ever ask for a true hard pull on my credit nor do I believe that I gave permission to pull my credit. My score is roughly 730 and the only negative on my score is the amount of hard pulls on my credit. Below are the dates that my credit was in my opinion wrongfully pulled without transparency/permission. The company was retained to help monitor my credit and ensure I would be alerted to negative score issues. I feel that these pulls on my credit were all in error and have negatively affected my score.

1.XXXX XXXX- XX/XX/2016 2.XXXX XXXX- XX/XX/2016 3.XXXX XXXX- XX/XX/2016 XX/XX/2016
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to rectify this matter with World Omni Bank, XXXX, and XXXX. I have notified all of them that this account do not belong to me and was open as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Product: Credit card or prepaid card

I received a letter from American Express Blue Sky award card on XXXX XXXX, 2017 saying my FICO score was low and I had serious delinquency on more than one account. There also was minimal activity on my account, which is true. I asked if I could reinstate the card and they took information from me and sent another denial letter. I called to redeem my points, and they asked me questions that were supposedly public record such as my drivers license, height, and the last card I had leased and they said I answered the questions incorrect and it locked up their system. They told me to call back at XXXX and they would assist me again and the system did it again. Now they want me to call back in 24 hours and they will try again. Not sure where they are pulling my information from public record, but I know exactly how tall I am and my drivers license number. I tried talking to someone in the fraud department and they just blew me off and said I had to solve this with the rewards department. What do I have to do to prove to them who I am?
Product: Mortgage

I financed my home with Rocket Mortgage to take money out of my paid off home. It has been 2 weeks and I still have not received the check they are promising to over night me. They have not provided a tracing number confirming they even mailed the check.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

I received a letter indicating that my adjustable rate mortgage will be going up. This is appropriate. However I did a little research and found that they calculated the new loan rate incorrectly. The rate should be based on 1 yea r   XXXX   XXXX   of fered rate plus a margin of 2.25 % . ( Rounding up to the next 1/8 % ).  The 1 year   XXXX   XXXX    offered rate on the date of the letter was  XXXX  plus 2.25 % would bring the rate to 4.0 % after rounding it up. The letter indicated that the new rate is 4.125 %.      Ditech used  the incorrect rate on the calculation and I suspect that since they have purchased this loan that it is standard for them to edge the rates up on all of it 's customers.
Product: Checking or savings account

On XX/XX/2024, money was withdrawn from my savings account without my authorization.

This happened while I was at work in XXXX XXXX, California. The amount withdrawn was {$2700.00} in XXXX separate instances ; {$900.00} each time. This occured at XXXX Bank of America locations in XXXX XXXX XXXX ; in XXXX, XXXX, and XXXX. 

I filed a police report, which is attached below, and contacted my bank to start a fraud investigation on XX/XX/2024. My claim was denied by Bank of America claiming that I was in their video footage signing to authorize this transaction.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of fraudulent account on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the account would be promptly removed.

I have previously sent a request for debt validation for several item listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. 
Moreover, XXXX and XXXX no longer reports this account on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting this account on my report by your bureau. 
XXXX XXXX.
Product: Debt collection

I was contacted by Meragon Fianancial regarding a debt to XXXX for annual maintenance fees. Since my time share is bi-annual, I do not believe that I owe this debt every year. I requested a copy of the contract to prove that the debt was valid on XXXX different occasions. Meragon Financial provided me with a copy of the deed and HOA but did not provide a copy of the contract to prove that the debt was owed every year versus every other year. I contacted XXXX XXXX of Meragon and he told me that XXXX does not have a copy of the contract and they do not have to prove I owe it. I explained that I am more than happy to pay this debt if I do owe however, I need a copy of the original contract to prove it is a valid debt. He refused saying that they did not need to prove anything.