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

Manufacturers and Traders Trust Company is advertising online CD Rates of XXXX CD 5.00 % APY for my zip code XXXX. However when I go into the branch they only offer me 4.25 % APY. They said they see the 5.00 % rate advertised online but they don't see it in their system so they can't provide it to me. I feel this is false advertising. I asked the manager to resolve it and she ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and she can not. I called M & T bank corporate and they see it online as well, but can resolve it as they can not open CD accounts, it must be done at the branch.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX, this is my credit reports ( all 3 Credit reporting bureaus ) story. 
Since XX/XX/XXXX All three credit bureaus had denied me be the XXXX XXXX XXXX  my credit report for 18 years now except for once in XXXX and when I tried to fix all the inaccuracies and lies on my credit report, They ( all 3 bureaus ) immediately shut me down and locked me out again and it's been since XXXX since I've been able to obtain any one of my three credit reports. Its like they are all working in concert with each other to prevent me from exceling in life. After I sent them copies of my state ID and Social Security card they keep telling me I'm not me I do believe that's 18 violations on top of all the other Inaccuracies on my credit reports. From what I saw in XXXX Trans Union has my name in 100 different derivatives XXXX yes that would make a person look fraudulent Under 15 US Code Subsection 1681 n - civil liability for willful noncompliance. 

I was on the phone with TransUnion just 5 minutes ago again ( XX/XX/XXXX XXXX XXXX  EST ), and the guy I was talking to ( XXXX ) told me I am not sending you your credit report. until after I send it to the maintenance department to fix the inaccuracies. Then it will be sent to you. 
That in itself, shows willful noncompliance. 

I wish I could attach files, but I can't. Because they haven't given me my credit report since XXXX was six years before that in XXXX. Once again after multiple times of sending them copies of my ID and Social Security card XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Its truly insulting that this fraudulent company has gotten Away with this bt still working on another complaint and once again it's the same problem as all the others that experian refused to fix
Product: Credit card or prepaid card

There are several late payments on my Capital One credit card this is ILLEGAL ACCORDING TO 15 USC 1681 A SECTION 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; PAYMENTS MADE TO THE CREDITOR FROM THE CONSUMER IS A " TRANSACTION '' PLEASE UPDATE NOW AND RE-OPEN MY ACCOUNT OR YOU ARE OPENING YOURSELF UP FOR LITIGATION
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, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you wont delete the XXXX late payments I want the trade line to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late  payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting, therefore it must be deleted asap XXXX XXXX XXXX  XXXX,
Product: Mortgage

Bank of America sold my loan to XXXX XXXX. I am closing escrow on that property, and I am unable to get my payoff amount from either party, and have been told it could be weeks until that information is available for me. I am in financial straights and need to be able to access my loan payoff amount to close escrow.
Product: Checking or savings account

Beginig of XX/XX/XXXX I contacted my bank, US BANK about a fraudulent electronic withdrawal for {$470.00} presented as a reprinted check with no signature from me nor drawn from my account as I don't use checks. The instrument was obviously suspect and improper. However the bank honored it and transferred the funds to the unknown party. I immediately notified the fraud department and was told to lock the account but keep open for the return of the funds by credit within ten days as well as my several direct deposits. I opened a new account as advised and initiatived direct deposit changes which the Social Securityb Admin advised would not be effective instill XX/XX/XXXX. 
I called three times to check the status of the credit with the bank and was told twice that it was in process, the third time I was told that no credit would be given because this was a " check '' fraud. And th a after 45 days the investigation would then refund the money. We have gone far beyond 45 days with no resolution. However on XXXX XX/XX/XXXX I received a letter from the bank advising me that if I did not close the account in 30 days then I would forfeit the refund of my stolen money. 39 days is not sufficient time to transfer my deposits. The bank told me to keep it open. I have complied with their rules and requirements yet they have collided to steal my money and refuse to honor their obligation to defend depositors accounts. 
This is an outrage XXXX XXXX XXXX
Product: Credit card or prepaid card

Company has incompetent overseas people taking phone calls who are not trained. Called on XX/XX/19 to close account. Specifically, advised them to cancel the future annual fee of {$29.00} charged yearly effective starting XX/XX/19. Tried to explain this is a future dated annual fee and that I am closing account PRIOR to this date. They still think the annual fee should be prorated? What?!!! Why?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to Equifax, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

My HOA foreclosed on my condo for nonpayment of HOA fee 's This was a 3rd position lien with Wells Fargo having the 1st and 2nd. I stopped paying them because they refused to fix a leak which lead to XXXX  XXXX XXXX and a 10 day stay in the hospital. But that is not important but what happened next is why I need your help. 

My Condo sold at auction on XX/XX/XXXX. 
Wells Fargo started reporting to the Credit Agencies Late payments After the sale of my condo. See Below. I have contacted Wells Fargo over 100 times and contacted every Government Agency and nobody will help me. 
I have not owned the condo since XX/XX/XXXX. I can not live in it, I can not rent it, I can not sell it e I no longer OWN it so why is Wells Fargo letting a person I do not know to use MY loan and access it as their own? The auction winner had to get information regarding my loan because they paid the exact amount in XX/XX/XXXX to keep the property from foreclosing and never paid on it again. 

The Auction Winner SOLD the Condo in XX/XX/XXXX and pay off the mortgage but the damage is already done. My credit went from XXXX to XXXX and I can't even rent a refrigerator box to put on the street. 

I have asked Wells Fargo to please send me : The messages that they deleted from my Wells Fargo Secure login in their site. Requested 7 times because this shows ALL the emails I sent them to resolve this issue. I was told " The new owner has a right to protect their asset '' REALLY? So they own it but I still have to pay the mortgage. 
I asked that they send my original contract last year. Still waiting I asked if I could give back the Condo that I had over {$100000.00} in equity in. They said NO I asked if they could foreclose on the Condo to stop the hemorrhage of my good credit. They said NO I have sent XXXX XXXX of Wells Fargo over 100 emails and she still will not answer this one question. 

Why did you start reporting late payments after my Condo was sold auction on XX/XX/XXXX, and allow a third person to access and abuse my loan with Wells Fargo? 
I started complaining when XXXX XXXX notified me that I missed a payment in XX/XX/XXXX. I believe the auction winner was supposed to secure financing and pay off the 1st and 2nd liens within the 90 days after the purchase. That would explain why they did not report the late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They were waiting to be paid by the auction winner and when they were not Paid they came back on me and told me I still had to pay it.
Product: Checking or savings account

The bank is first citizens bank head quarter at XXXX XXXX XXXX, XXXX, NC XXXX and we have been dealing with the branch located at XXXX XXXX XXXX, XXXX, NC XXXX the problem we have is that my mother in-law passed away and after opening her safe deposit box there are 2 Certificate of deposits that the bank can not locate in there records or can not show that have or have not been redeemed. I have the original XXXX XXXX, the 2 of them are over XXXX dollars and one is from XXXX and one from XXXX. First Citizens tells us they don't keep records over 7 years. My mother in law was very frugal lady, and saved these XXXX XXXX for her kid 's inheritance and the bank will not honor these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting late payment. Payment was never paid late. Capital is reporting late payment to all 4 major credit agencies. Unfair practice.
Product: Checking or savings account

Capital one reversed a fraudulent charge on my account. Putting my account in the negative after providing sufficient data that the charge was not authorized and the terms were not agreed upon. XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/22 XXXX XXXX XXXX LVNV FUNDING LLC RE : We have disputed this account.
Product: Student loan

I co-signed XXXX private student loans with my daughter for her 4 years in college. She graduated in XXXX. We have had trouble making payments, and Sallie Mae has given us forbearance and reduced our interest rate. We were paying XXXX percent interest. They offered us a reduced rate for 3 years of 4 % interest. That 4 % interest expired at the end of XX/XX/XXXX. They raised our interest rate to 12.70 % and my payments went from {$680.00} per month to {$1300.00} per month. I can not afford that. Sallie Mae absolutely refuses to offer me a new lower rate and now I have built up a {$5000.00} late payment and I am losing my mind. My credit rating is ruined again and I can not refinance these student loans anywhere with anyone. I have offered to roll the late payment back into the loan if they can give me a lower interest rate. They have consistently refused. 

Help! Please and thank you.
Product: Debt collection

Ive filled and have had this Caine and Weiner debt collector removed from my report on with all 3 bureaus ans now the only credit bureau is XXXX. Saying it remains it has been removed many times over past 5 months so how can that be possible there is no insurance that I signs sup for that was. XXXX a month its insane XXXX  is trying to aceea me Ive had XXXX weird no lapse for the past year at {$220.00} a month so where on earth can XXXX a month. Be a price I never signed up for that and I cancelled over the phone and was told I was good then months. Later I get a collection company harassing since for months about a bill I dk t owe
Product: Credit card or prepaid card

I have not used my Capital One credit card in 2 or 3 years. I had not been receiving statements from them. My credit score dropped significantly. I discovered it is because Capital One accepted a fraudulent charge on my card, never notified me, and since I only discovered the fraud about 3 months after it occurred, Capital One has placed negative information on my credit report. I called Capital One and they removed the charge. They act like I should be happy with that. I'M NOT HAPPY. Would you be happy if your credit score dropped 50 points due to the fact that Capital One accepted a fraudulent charge on your credit card, never notified you, and treated you as if you are XXXX because you wanted them to correct their mistake? I WANT CAPITAL ONE TO REMOVE THE NEGATIVE FALSE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app, Block , inc . Due to inaccurate customer service and unfair practices, which violate the consumer financial protection act CFPA. specifically Cash App failed to take timely and effective measurements to prevent fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as the did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

The company ( National Credit Systems ) is reporting a balance owed that I've disputed now a couple of times with them. The original creditor ( XXXX XXXX ) did not send me a list of proposed deductions within XXXX days of me moving out as required by law in Georgia, XXXX per the lease under # XXXX of the agreement. After receiving this list, I should have had the opportunity ( until the XXXX day ) to come back and remediate the damages if so chosen to do so. I did receive a move out statement 4 days after vacating and then several additional times after that. They continued to send me the same final moveout statement and did not show any damages for carpet repair or replacement. Roughly about XXXX weeks later, they sent me another statement saying they needed to replace the carpets due to stains they could not clean. I lived in that unit for 7 months and did not allow walking in the unit with shoes, there were no pets, and my family and myself only ever ate in the kitchen. Upon receiving these claims, I asked them to send me photos of the carpets ( all XXXX bedrooms ), which she was not able to provide. The rep eventually stopped responding to me and there never was a resolution. I have since tried to dispute this with their representing agent ( National Credit systems ) to no avail. XXXX XXXX has since gone out of business and National Credit Systems refuse to give me any contact information for the individual who they spoke to when handling my dispute. I am in the process of filing a complaint with National Credit Systems as well for violating my privacy rights. I am totally fine with paying my true balance of roughly XXXX, but I am not ok paying the additional XXXX. This has significantly affected my credit rating as well as my ability to obtain housing. During the months there, I had no issues with them and my rent was consistently paid on time. A satisfactory result for me would be for them to allow me to settle based off of the XXXX amount originally stated that I owed. I have since dealt with aggressive conduct from their agent XXXX XXXX, ( I can provide full name later ) who has hung up on me ( phone call on XX/XX/XXXX at XXXX pm ), violated my fcra privacy rights on XXXX by answering the call asking me for my name then immediately beginning to discuss my account with me before verifying my information ( account #, last XXXX of XXXX, address, telephone number, email for verification purposes per their company policy ) or stating their disclosure of being a debt collector. Dealing with this company has been a nightmare, please help. I have more documents I can provide as proof including XXXX changing my balance to XXXX through their dispute process which resulted on XX/XX/XXXX- via report number xxxxxxxxxx
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. These accounts were neither initiated nor authorized by me, and I am unaware of their origin. In compliance with USC 1681g, I ask that they be removed within XXXX  days. Enclosed are the supporting documents for your review.
Product: Debt collection

I have no information about this debt. I received no information about owing this debt. I cant even find who they are. And what the debt is. There is no information on my credit report that I can call the company about it. I disputed this on credit report. But came back not changed. I dont know what this debt is.
Product: Checking or savings account

I attempted to rollover my Health Savings Account from XXXX to Optum Bank ( part of Optum Financial ). Initial rollover request was submitted to XXXX on XX/XX/XXXX. XXXX sent the check which were lost by Optum Bank and eventually cancelled by XXXX. This was repeated three times. Finally, check # XXXX dated XX/XX/XXXX for {$34000.00} ( image attached ) was received by Optum Bank and cashed. XXXX confirms they have the canceled check. The funds have never appeared in my HSA account and Optum Bank says they can't find them. I have called numerous times ( call log with reference numbers attached ) and asked this be escalated - to no avail. Optum Bank told me the only way to resolve is to file complaints with CFPB, XXXX  and FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Student loan

For the past 5 years, I have been put on a graduated repayment plan that I was not aware of and did not approve, and I did not know that the payments will increase every two years. I work in the public sector, specifically, I am an  XXXX  for the  XXXX   XXXX . Because of my employment in the public sector, I qualify for the public student loan forgiveness program. The payments that I have made can not be counted towards the PSLF. From today I should have had 5 years of payments left towards my loans to receive the forgiveness granted for individuals working in the public sector. But because I was not put in a qualifying repayment plan, I have to start the public student loans forgiveness program all over again. My loan servicer was not compliant with the regulations that the CFPB has set as well as the CFR.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continues to label my complaints as duplicates and claims to have already answered the complaint. But they have yet to address the permissible permission to have lawfully accessed my credit report used to accessed my credit report on XXXX XXXX 2017. I will continue to request the permissible permission from Experian and XXXX XXXX XXXX XXXX until they answer the complaint and forward a valid permission or at a minimum give explanation why they deem themselves lawful.