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

On XX/XX/2019 Arvest Bank in XXXX Oklahoma attached a bad Check to my checking account and withdrew XXXX from my account. It was a human error that they didnt catch I did on XX/XX/XXXX when I went to withdraw from my account and saw I only had XXXX in my checking account. It took hours of face to face with the XXXX Oklahoma branch to find out what had happened and I was assured that my hard earned money would be put back into my account and someone would be calling or emailing ASAP. I asked for a time line when this would be done and was told that it was not her department and couldnt tell me how long it would take and informed me just dont use this account until it is resolved. I asked her how I could live without my money and the branch manager advice was to just keep checking on the account to see when the money would be put back into my account. As an Oklahoma XXXX  I live from paycheck to paycheck and it was unacceptable that they knew what had happened but didnt put my money back into my account. On XXXX  I called the XXXX  Number to Arvest Bank and after over a hour on the phone again I was told the money would be back into my account by XXXX  XX/XX/2019. I told them it was unacceptable to keep my money almost an entire week due to their error and I wanted my money put back into my account. They bounced the situation back to XXXX branch manager to deal who called my husband and informed us that it would be taken care no later than the close of their work day XX/XX/2019 As of this morning I still have XXXX in my account. 
My complaint is when Arvest Bank can clearly see what the problem is, it should not take a week to return money to my account. That is basically stealing so they can balance their accounts. This situation has caused an extreme stressful situation that is completely not professional. I want their policy of taking this long to solve this situation changed to a 24 hour turnaround. I want them to follow through with personal calls and or email customers when they state they will. No one found this error, I did, and was told I would be contacted. No one contacted me. I have a right to be contacted and treated with better communication than this business has in their policy They took my money by human error but they kept it by a system that is not acceptable.
Product: Mortgage

Two years in a row, LoanDepot has sent me notices saying that my homeowners hazard insurance policy is about to expire. My policy is in effect and paid up, and has never lapsed. The policy is through XXXX XXXX XXXX a company that uses modern information technology. Yet, according to loanDepot, they claim to have reached out to my insurance company and have been unsuccessful in obtaining a renewal or replacement policy. 

They provide a website URL for entering my policy information, but the website doesn't work on my XXXX. It does work on a desktop computer. Why would this be? I'm a XXXX XXXX who has built applications that run both on phones and tablets and desktop computers. It's not rocket science, which leads me to think they are deliberately creating hurdles for their own benefit. 

I have stayed on top of this, both last year and this, but I'm concerned about what LoanDepot might do if I happened to miss this notice, which arrives in my mailbox along with other notices from them, the majority of which are promotional in nature. 

If the consequences of not answering their request for proof of insurance were to charge me for a policy of their choosing, that would be a nice source of revenue for them. My suspicion is that they are preying on individuals who are not paying close attention, purely for profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 2 accounts open in my name fraudulently and I addressed the issue with the credit bureaus. Equifax is the only one right now I'm having issues with. They processed my documents that they requested, removed the accounts in XX/XX/XXXX and then re-inserted them on the report this month ( XX/XX/XXXX ). 

This is really putting us in a bad position and I'm hoping that this will help! 

Thank you,
Product: Credit reporting or other personal consumer reports

Dispute Explanation Regarding Account # XXXX I am writing to formally dispute the account listed above, as it is not mine and has been erroneously reported on my credit file. Additionally, this account has been reported beyond the legally permissible time frame outlined under federal credit reporting laws. 
Key Points : Account Does Not Belong to Me : I have no knowledge of, nor any association with, this auto loan account. I request immediate verification of ownership, including the original contract and documentation proving that I opened or authorized this account. Under the Fair Credit Reporting Act ( FCRA ), 609 ( a ) ( 1 ), I have the right to request all information used to verify the accuracy of the reported account. 

The account from XX/XX/year>. According to the FCRA, 605 ( a ) ( 4 ), derogatory accounts such as collections, charge-offs, or accounts listed as bad debt must not remain on a credit report for more than XXXX XXXX from the date of first delinquency ( DOFD ). Given that the XXXX was before XX/XX/year>, this account is outside the seven-year reporting window and should have been removed from my credit report. 


This account has been repeatedly reported without proper validation. According to FCRA 611 ( a ), upon disputing an account, the credit reporting agency is required to investigate and ensure the account is accurate. If the information can not be verified as accurate, the account must be removed promptly. 


The continued reporting of this erroneous and outdated account violates the provisions of the FCRA and causes undue harm to my credit profile. If this account can not be verified and validated with clear, accurate, and documented proof, it must be deleted immediately to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 usc 1681 section 602states I have a right to privacy.

15 usc1681 section 604 a section 2 : it also states a consumer reporting agency a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit card

I had automatic payments shut off temporarily due to hardships and adding money as needed or using my husband 's account to pay balances as needed. On XXXX, XXXX 2025, despite auto payments being shut off and my next payment not due until XXXX, XXXX 2025. I was charged to my bank for {$35.00} by chase. I did NOT authorize this charge. Automatic payments were and have remained turned off. They payments was not anywhere near due yet. I did not have any cash in the bank it charged to as not only was it not near due, it was not expected, nor did I have any warning before hand it'd happen soon so I could've taken action. As a result, the money pulled from my bank, and then went over drafted. My debit card was locked from this bank ( XXXX  ), and that debit card was attached to another payment I was doing and did have on Automatic payment I got alerts for in advance with a different company. I was unaware of this and my account being over drafted due to XXXX XXXX. As a result, the other company did not get paid and was reported to my credit as delinquent since I received no notifications and was unaware my account had been over drafted until 4 weeks later when I was called for the payment and looked at my banks transactions.
Product: Debt collection

Company sent a letter stating I owe XXXX however after calling XXXX I do not have an open account nor was I ever sent to collections. Tried contacting the company and it goes straight to VM
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX  XXXX  a Social Security Card holder. I'm aware that following a change in XX/XX/2011, SSA began to issue SSNs that start with the first three digits greater than XXXX ( reference 1 ). My SSN falls into that bucket. However, electronic form found on XXXX ( ref 2 ) would not accept such an SSN. If I put in my SSN, a message comes up saying the SSN is invalid. As a result, I can not opt out of pre-screened offers. 

References 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The company is Zelle and I ( XXXX XXXX ) was a victim of a rental scam. I went out to look at the site and called the Realtor to find out about if the property was up for rent. The realtor told me I had been defrauded and to get my money back. 
I immediately proceeded to contact XXXX XXXX and report the incident. XXXX XXXX went and argued with Zelle about their red exclamation point regarding unregistered users and that funds would be returned to the user in 10 days. The 10 days came and went and the funds were never deposited. 
Zelle outsources customer service so that was useless to try and accomplish anything. 
These are the dates of the transactions via the Bank account XX/XX/2021 XXXX XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I looked my credit report on XX/XX/XXXX, and I noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom report it relates. These accounts accounts listed are incomplete and inaccurate : { XXXX Account # XXXX }, { XXXX XXXX Account # XXXX }, { XXXX XXXX XXXX # XXXX XXXX According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer reporting agency if the person know for has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX kept sending me bills for items I had already paid on or paid in full. I finally gave up calling them and sent a complaint to this agency. They then sent me a bill for the final, remaining combined balance. It was correct, so I sent in the payment of {$64.00} on XXXX XXXX, XXXX. Thinking it was now all over, I felt calm and went on with life. 

Yesterday, in the mail, I got a letter from " Sunrise Credit Services , Inc. '' on behalf of ... wait for it ... XXXX!!!! It is XXXX XXXX, XXXX!!!! They have an account number and balance of {$82.00} and give XXXX XXXX. XXXX where you have options on " if you pay by ... send {$62.00} '', which gives you {$20.00} off '', etc. It also declares you can use your " Tax Refund '' to clear up this debt ... Call us ... We 're happy to help! We can Grant Your Wish ''. Oh, and by the way, the last line says : " This offer will expire on XXXX XXXX, XXXX. We are not obligated to renew this offer! '' Not that I need this offer, but if I did, I only had one day to respond! Unbelievable these people! 

I refuse to contact them and deal with this again. It has been paid. If they put this on my CREDIT REPORT, I am going to explode! 

XXXX needs to get its records straight on how much people pay on their so-called " installment plans '' and when the bill is paid in full. Apparently their bookkeeping department is deficient and causing stress to consumers of the goods they advertise and sell. I thankfully kept ALL of my records from the time I ordered until I paid off the bill. Otherwise, I would have possibly been fooled into thinking they were correct! How many of our elderly out there are falling for the faulty billing practices of this phony give-a-way program? It should be investigated! 

Now, I am asking for your help with this bogus credit company trying to collect a debt that I do not owe. I appreciate any assistance you can give me in this matter as it is extremely frustrating and ridicules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to Barclays Bank but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with XXXX, XXXX and XXXX. I have submitted a dispute with my bank whom processes payments to Barclays Bank to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
Product: Debt collection

I have a personal loan with One Main Finance. The loan was due on XXXX XXXX the payment is in the current month due. But they started calling me on the XXXX non stop. The loan is n't even XXXX days past the due date. Calling me XXXX times or more a day leaving messages. All day calls starting at XXXX ending around XXXX. Even calls to my phone on Saturdays.
Product: Debt collection

On XXXX XXXX, XX/XX/2015 I filed a complaint with CFBP ( Claim No. XXXX ) against Enhanced Recovery XXXX and another XXXX on XXXX XXXX, XX/XX/2015 ( Claim No. XXXX ) Which claim to collect a debt for XXXX XXXX CompanyAfter contacting XXXX parties and requesting for additional related documentation materials associated with this account from XXXX XXXX that would help to substantiate such claim XXXX parties have failed to provide me with the documentation til this date. I have request the following Documents such as ; Billing Statements, Payment History, Contract agreements and have never received them. In order to resolve this issue Enhanced Recovery XXXX made the following statement in their last response to CFPB : In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015. Please allow up to 30 days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX. 

Since that time Enhanced Recovery XXXX have Submitted the deletion request to the following Credit Bureau 's ; XXXX and XXXX but have failed to submit the request to XXXX and the negative Collection account still remains on my credit file with this Bureau. 

Enhanced Recovery XXXX needs to follow through with their promises and also request the deletion with Experain as well.This account does not belongs to me. I have not, and never have had an account with XXXX XXXX Company
Product: Payday loan, title loan, personal loan, or advance loan

Loan companies are calling an excessive amount of times to my cell. XXXX XXXX  company disclosed the information of the loan with my mother. Contract was changed without notification.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card

Dear CFPB, I have called Elan XXXX XXXX  at least 3 times a week since the end of XXXX asking them to tell me why my card is not working even though I should have at least {$8000.00} left on my credit limit. The phone calls are identical as to Elan 's response -- they say I have exceeded my credit limit and they are powerless to do anything further until I pay my outstanding balance ( which varies with each call ) There is no question that either Elan or XXXX XXXXXXXX XXXX  ( headquarters here in XXXX XXXX is involved in fraudulent practices. I am 9.999 % sure the fraudulent practices are XXXX 's. Make that 100 %. 

Elan should be investigated immediately. Last Saturday ( XX/XX/XXXX ) I requested a statement of my charges since I first received their card. They promised to send this to immediately and 'it was already in the USPS mail ', adding that it should arrive ( from XXXX XXXX XXXX either Tuesday ( XX/XX/XXXX ) or Wednesday ( XX/XX/XXXX ). 

It is now Saturday, XX/XX/XXXX. I called the number on the back of the card this morning about XXXX, I believe. I first got XXXX XXXX  who works out of Mississippi XXXX After a brief conversation, she got 'a supervisor ' on the line. This person who identified herself as " XXXX ' didn't identify where she was speaking from. 

I hung up on XXXX because she said I was getting 'belligerent ' ( I think were her words -- rude, unreasonable.. .something like that ). 

I responded that after 'a hundred ' calls to them ( 'hundred ' might be hyperbole, but certainly I have called dozens of times ). After numerous calls, they are still unwilling ( certainly not unable ) to give me a total amount that I spent on their credit card since XXXX ( when I got the card specifically to use on a vacation ). 

The last time their card worked was at the end of XXXX, now approximately two months ago. I have spent the card only on hotels, food, gas, and other purchases one makes on vacation totaling, I believe around {$7000.00}. I used it extensively, as I was planning to keep track of my expenses with the use of their card exclusively whenever possible ).. 

There is no question Elan XXXX XXXX should be shut down, at least temporarily, until the company answers my very simple query : 'How much have I spent on your credit card since I received it XXXX of last year ( XXXX ). 

Thank you for your prompt attention to this matter. I can be reached by email, text, and/or cell phone. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Cell : XXXX email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I was a victim of identity theft and I reported problem to 3 Major Bureaus and creditors and upon doing my own investigation and contacting some creditors myself I found out that fraudulent account were open either with previous addresses either phone number and e-mail that fraudsters use were not mine and companies reporting to major bureaus came back with investigation results that investigation was done and information was correct but they were not.I attached proof such as rental agreement for the years where I lived.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letters sent to your office. It has been over XXXX days since I initially contacted you regarding inaccuracies on my credit report, and I have yet to receive a response or resolution. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and respond to disputes within XXXX days ( 15 U.S. Code 1681i ). The lack of response to my dispute is a violation of this requirement. 

Please find attached copies of all correspondence related to this matter. I request that you promptly address this issue and correct the inaccuracies on my credit report as per the FCRA guidelines. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following fraudulents accounts and information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Product: Checking or savings account

I like to close my Barclays XXXX account. The bank refusing to close my account. This is related to my previous complaint on how the bank put restrictions on my account and locked me out - XXXX They are pretty much harassing their customers with extreme policies and enforcement.
Product: Debt collection

I got laid off from a previous employer and didnt have insurance. I am also a XXXX XXXX to XXXX daughters and havent had the money to pay off my medical debt.
Product: Credit reporting

Equifax continually discriminates towards me as XXXX XXXX US citizen *prohibiting all access for me to call executively about my consumer profile from every phone number I have within the US . @ XXXX XXXX XXXX in the XXXX executive office in consumer affairs consists on laughing the matter off than hangs up when I requested their IT dept. This was reported to their human resources director XXXX XXXX XXXX that I suspect internal compliance violations by their executive office that is solicitously invading in affairs of my consumer privacy on purpose & it needs to stop soon or I will seek to press charges. Do n't I have the right to be concerned when I 'm denied technical assistance?