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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ).

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. 15 U.S Code 1667a - Consumer lease disclosure XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. 15 U.S. Code 1681q. Obtaining information under false pretenses XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to unfreeze my credit since Im trying to buy an apartment and the bank requires that they see the Equifax credit score. Im frustrated because I sent Equifax the necessary documents 10 days ago and they said that they can process those documents in 5 business days, its been 7 and nobody can tell me if theyve arrived. Fax or mail are not reliable modes of communication, I must be able to have my credit available whenever I want and resolve any issues whenever i want when I am who I say I am. I understand security concerns but this is unacceptable.
Product: Checking or savings account

I downloaded Chime mobile banking approximately 4 years ago. Initially, I loved it, and was a big fan of their XXXX XXXX  card, but I never used it as my main source of banking / spending, so often times I had no balance. 

I lost my credit builder card, and in XXXX of XXXX, I decided I was going to order a new one and continue using Chime. 

I ordered my new card and deposited {$100.00} to my Chime account on XX/XX/XXXX, and another {$100.00} on XX/XX/XXXX. 

About XXXX hours later, I was notified my account was on hold. When I reached out to customer support, I was told this was due to suspicious activity and they can not expand further. 

They requested various different documents in order to prove my identity, and each time I was told my documents were not sufficient. When I asked what *specifically* did they need, I only received automated emails and was not able to speak to a human. 

Ultimately, on XX/XX/XXXX I was notified that my account was closed. 

To this day, I still have never received those funds.

When I try to login to Chime, Im prompted to create a new account, however upon trying this, I was told I am unable to do so and they can not provide further details.
Product: Debt or credit management

I was spending all of this money that I was being charged monthly to fix my credit report and it was the same thing over and over nothing was being fixed and I asked customer service. Why was I being charged all of its money and nothing on my account was being removed or fixed. I advise them that I wanted to close out of my account because I was paying all this money for a service that was doing me no test.
Product: Payday loan, title loan, or personal loan

Due to some unforeseen expenses in XX/XX/XXXX, I was unable to make my personal loan payment to PNC Bank. As a busy working professional, I am not always able to make a phone call during the normal business day, so, I have not been able to reach out and discuss my loan and payment until today, XX/XX/XXXX. My loan payment is typically due on the 21st of every month. However, on XX/XX/XXXX, PNC Bank decided to automatically withdraw my payment of {$99.00}. This was an unexpected withdrawal from my account. I was able to call today and speak to a representative at PNC Bank at XXXX XXXX, during this conversation, I was informed that in cases of missed payments, PNC Bank will randomly decide to withdraw money from my checking account and " unfortunately, we do not know when that will be ''. In order to offer a solution, I asked if the bank to reverse this unexpected withdrawal and set up a payment from Friday, XX/XX/XXXX which will bring the balance of the loan to current. This request was denied because I had not had an opportunity to call prior today. I have, however, tried to reach out to PNC through their online customer service chat. I spoke to three different online agents and not a single of them was trained adequately enough to handle my loan questions.
Product: Checking or savings account

My phone was stolen on XX/XX/XXXX and I bought a new phone on the XXXXXXXX XXXX XXXXXX/XX/year>. I downloaded my apps, I logged into my chime and noticed money sent to someone Ive never sent money to.. someone accessed my phone and got into my chime and when I noticed I changed my password immediately and contacted chime via call immediately. I never send money via chime to chime. I have my chime linked to my XXXX XXXX and I use it that way because majority have XXXX XXXX and not chime. I do not understand why they denied my dispute. Ive never disputed anything. I just want my refund.
Product: Credit reporting or other personal consumer reports

Equifax is again reporting " Date Major Delinquency 1st Reported : XX/XX/XXXX '' for two accounts that are 100 % paid off and were closed in XXXX. Date of First Delinquency XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX. I disputed this and specifically wrote " The lender is reporting accurately. Equifax is the one reporting incorrectly. '' Instead of fixing the error, my dispute was completed and it stated the lenders verified the information as accurate. Which is what I specifically wrote in my dispute. This is causing my XXXX score to be suppressed because they count as a " late payment in the last 30 days '' when in reality the accounts have been closed for over 6 years at this point.
Product: Checking or savings account

I opened a checking account in XXXX XXXX with Navy Federal Credit Union ( NFCU ), deposited {$25.00}. I was informed that restrictions were placed on this account due to results from XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I disputed the results through XXXX XXXX XXXX in XX/XX/, the reporting agency. My bank confirmed that I was not liable and XXXX later notified me in writing ( and provided a copy of the updated report ) that the reported item was removed. On XX/XX/, I received a letter from NFCU stating they " requested the removal of the disputed information. '' However, the restrictions were not lifted ; and therefore, I can not access my account. I called the NFCU toll-free line on XX/XX/, requesting that the restrictions be lifted. My request was denied, and the representative stated that I needed to take the updated report to one of their branches ( 30 mins away from home ). I opted to call XXXX to inquire about how they report the updates and they stated that there is a live database that NFCU should have access to review the updates. I called NFCU back on XX/XX/ and learned they were unaware of this database. 

I took the updated XXXX report to NFCU on XXXX requesting restrictions to be lifted. The representative stated that she was unfamiliar with this kind of case and contacted two next-level representatives, who could not help. I requested to close the account instead. This request was denied. I requested information for filing a complaint twice before receiving contact information for the Consumer Financial Protection Bureau ( CFPB ). I was not provided a direct contact for the institution to file a complaint. The representative also communicated with the manager, who stated that they needed the dates of my phone calls to their toll-free numbers in order to escalate. I provided this information. I was also directed to the security department, which MAY be able to help me. There seems to be no protocol to address my issue, and they are withholding my funds even though I submitted proof of the updated report from XXXX and provided them with the letter they, NFCU, sent me.
Product: Payday loan, title loan, or personal loan

Home equity loan with TDBank. Original complaint with cupboard case XXXX. TD bank admitted their error in not telling us the interest rate. I was prequalified for Prime minus 1.01 %. That is not what I got. Felt like bait and switch tactic used by TDBank. They promised to lower my existing rate by .50 % on XX/XX/2018. I have this in writing from XXXX XXXX, advocate & customer experience advocate. I see this was adjusted once. It should be for the life of the loan. XXXX is unresponsive as well as was XXXX XXXX and also their manager XXXX XXXX. They will NOT discuss this over the phone. Emails are unclear. Others go unanswered. I tried to file a complaint with the Federal Reserve only to find TDBank is not in their jurisdiction. Where can I go from here? They are a XXXX XXXX firm. Can I appeal to an agency in XXXX? Can someone give me the name of the CEO or the executive in charge of consumer satisfaction? I want appeal further. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving constant notification via XXXX XXXX that this company is reporting my payment history as having past due payments on an account that was paid in full and closed in XXXX of 2021. I have disputed this information every month since XXXX with XXXX XXXX. XXXX XXXX would clear the incorrect information only to have Happy Money report it again within 30 days. This month they are now reporting incorrect payment history to XXXX. 
When I was a Happy Money customer, I paid them every two weeks and I was never more than 30 days past due. I have enclosed a sample of my bank statement for your review. I was told by the company that my payments were misapplied and this was causing the issue. It was a hassle to get them to fix it and finally they agreed and corrected the report BEFORE i paid them off. Their carelessness caused me to rescind doing business with them and pay the account off to prevent future mix-ups. 
I do not understand, why this situation has not been rectified by now and it seems to be getting worst. They reported me at 100 % payment history the life of the loan, then 96 % payment history and this month is now being reported at 91 % payment history after the loan was closed which is unacceptable. This is severely impacting my credit score and causing problems with rates quoted from potential creditors. I sent an email to the company onXX/XX/XXXXfor resolution.
Product: Mortgage

I am a veteran and a XXXX XXXX. I was not paid for two pay periods during the recent partial shutdown of the federal government. The servicer on my mortgage loan, US Bank Home Mortgage, readily offered me forbearance for three months and was willing to extend it to six months. On the phone, the representative said I would not be charged any late fees and my payments would not be reported late to the credit repositories. I paid my XXXX payment in early XXXX and found that they had reported me 30 days late for the XXXX payment even though a representative promised they would not. 

US Bank Home Mortgage now refuses to delete the 30-day late notation on my credit reports.
Product: Vehicle loan or lease

Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal & non verbal per 15 U.S. code 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name, address, social, and all other instruments have been wrong as they have been documented.
Product: Mortgage

on XXXX XXXX I applied for mortgage refinance through Great Northern Mortgage Corp XXXX XXXX the name of a person who was handling my file is XXXX XXXX . I submitted all my financial and personal info including my SS, bank accounts, W2, paystubs, 1040. As of today I did not receive any official approval or denial from their side. I believe this company is a fraud, they took my personal information and never provided me with official loan decision and I believe they never submitted my application for review to the bank processing team my consumer rights are violated, I feel discriminated. 
Please investigate
Product: Credit card or prepaid card

We paid a credit card with Bank of America off on XX/XX/2021 ( {$3900.00} ). Yet somehow we were assessed a {$1.00} fee on XX/XX/2021. 

We called Bank of America to inquire about this {$1.00} charge, thinking it must be an error because the account balance was paid in full and the account had been closed. When we originally called them on XX/XX/XXXX, we were told that " there was a server error, '' that we could not be helped at that time and should call back. 

We called again this evening ( XX/XX/XXXX ), and the first representative with whom we spoke told us again that " there was a server error '' and to " call back in a few hours. '' Given our previous experience, we were not satisfied with that answer and asked to be transferred. The next representative told us that a waiver had been submitted to have the {$1.00} charge removed from our account, and that it would take a few days to process. We have previously resolved erroneous fees on this account, and were not satisfied with the " few days '' answer. So we requested to speak to another representative. 

The next representative ( the " escalation manager '' ) said that " nothing could be done, '' and that her supervisor was not available to help. She offered to put us in the customer service queue, and we were transferred to yet another representative. This individual stated that the charge was a system error that was applied and put us on hold. She then came back on the line, told us that the charge was valid, and explained that is was a " minimum interest fee '' on XX/XX/2021. 

The account balance was {$0.00}. How can you charge interest on a {$0.00} account balance? 

This action feels predatory because when we paid off the account on XX/XX/XXXX, we were told that " we were good, '' and to not expect any further transactions with Bank of America for this account. However, we were suspicious when we received an email weeks later saying that we had a statement ; how could we be issued a statement for an account that had been paid off? We checked, and saw the {$1.00} charge and began the process we just described to you. 

The predatory part is that, if we had not checked and seen the {$1.00} charge, there is no doubt in our mind that Bank of America would have charged us late fees for that charge. Not to mention the " run around '' customer service experience. We spoke to six people before we got an actual answer! All for a charge that was placed on an account that had a {$0.00} balance! Again, how can you accrue interest on a {$0.00} balance? Not to mention that any late fees would have resulted in negative information on our credit report. 

Needless to say, this is not the first negative experience we've had with Bank of America. We will take our business elsewhere next time. 

A multi-billion dollar company that makes its money by nickel-and-diming ordinary Americans? It is a disgrace to the USA that they have America in their name.
Product: Debt collection

On XX/XX/2019 I received a letter from " Hunter Warfield '' collection agency attempting to collect a debt on behalf of " XXXX XXXX XXXX XXXX '' XXXX AKA " XXXX XXXX XXXX XXXX XXXX. " XXXX. They are attempting to collect in the amount of {$1000.00}. This is an unsecured debt in the form of a leasing agreement that has been discharged through a chapter XXXX bankruptcy, as of XX/XX/2019. I have contacted them and am awaiting a response/resolution.
Product: Debt collection

Re : Earnings Withholding Order for Taxes, Account Number : XXXX XXXX XXXX. 

1. State Board of Equalization Account No. XXXX XXXX XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
( XXXX XXXX ) XXXX County. 
2. State Board of Equalization Account No. XXXX XXXX XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
( XXXX XXXX ) XXXX County. 
3. XXXX XXXX County Recorder Identification Number : XXXX, Filed : XX/XX/XXXX (  {$20000.00} ) ( XXXX XXXX ) 4. XXXX County Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this debt with XXXXXXXX XXXX XXXX account XXXX. Please remove this from my account as it is not in collections and it was settled. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have my items deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as identity fraud and a violation of my rights which is punishable by state and federal law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.