23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

During a recent review of my monthly statement I recognized several unauthorized charges from the XXXX XXXX which were supposedly initiated by my XXXX. I immediately notified Regions Bank of my findings. Because of past experiences regarding a lack of follow through on the bank 's part I declined to initiate a dispute of the charges and instead contacted XXXX myself. I was able to request a refund for all of the purchases. The refunds totalled approximately {$450.00}. I placed a follow up call to Regions requesting a refund for any overdraft fees charged as a result of these unauthorized purchases. I was given a blatant " no '' by both the CSR and her supervisor. I do n't feel that I should be charged overdraft fees for purchases which were refunded especially since I had to pursue the unauthorized charges myself to get any true resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/NELN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX
Product: Vehicle loan or lease

In XX/XX/2014 I purchased a XXXX XXXX, the list price was around XXXX, the loan company Santander insisted on XXXX, something like that. I paid XXXX down at XXXX of XXXX XXXX in XXXX Florida. My monthly payments started at XXXX. I paid XXXX every month to make a payment. I called for assistance when I was late and had a payment or two moved to the end of my 6 year loan. It has been 6 years and I still owe over XXXX dollars by their account. They blame it on me for being late and moving payments. At the time, the assistant on the phone never told me it would cost so much more and set me back so I was just paying more interest. I've contacted them several times and never was informed of this. I was never late on my payments as much as they are saying. I've been scammed from Day 1, set up to default. Now, I will have a large bill at the end of my loan in a few months. I calculate my loan at around XXXX dollars or more. For a truck that was worth XXXX. Santander is a con artist.
Product: Credit reporting, credit repair services, or other personal consumer reports

bank of America is still reporting a charge off credit card on my credit report even after they issued a XXXX in XX/XX/2018. I have paid taxes on it but its still showing up on my report.
Product: Debt collection

XXXX XXXX is saying that I opened an account with them for new phone service. I never did and never have used any of their services. I have XXXX as my cell phone co. They sent me a bill for {$55.00} dollars and I called them XXXX times to explain I never signed up for anything. They turned over the matter to a collection co and now they are calling me. I asked them to go back and listen to the calls and they will see that I never signed up for any service. I am being harassed by XXXX XXXX and this outside collection service. It's outrageous and unprofessional. I will never do business with XXXX XXXX  as a result of this. How do I make them stop calling me and make sure that they don't report any negative items on my credit report. I also contacted my credit card company to report the fraud. They reversed the charge on my credit card bill. I literally have no marks on my credit report. Also can you make them stop?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a notification from Cash App ( Block , Inc ) that my account had been closed due to me violating their terms and conditions. I immediately reached out to customer service and they confirmed my account was closed and my children 's accounts were closed as well. They informed me that I could request a review and it would take 30 days. I consented to the review. On XX/XX/XXXX, I received an email from XXXX, a Cash App representative, who stated they had reviewed my account and that they had found activity that violated the terms of service and that they would not reopen my account. When I asked again exactly what did I violate, they just sent me a link to the terms of service. I requested another review on XX/XX/XXXX. They responded with a case number and stated they would respond soon. On XX/XX/XXXX, Cash App sent me an email stating that they closed my case because I didn't respond in 3 days. I reached back out to Cash App Support and explained that I had been waiting on a response and I was never asked to reply to the last email. The representative said that they would look into it and get back to me. As of today, XX/XX/XXXX, I have not received an explanation about my account, nor was it reopened, yet they are still charging me late fees for a loan that I can't pay back because I no longer have an account with Cash App. I am one of many who lost their accounts for unknown reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian, XXXX and XXXX to please investigate this account : XXXX XXXX Bank ; Account number : XXXX. They stayed this account was verified and accurate. However, I found several errors reporting on this account ... A closed account should not be reporting late payments after the date closed, should not be reporting a monthly payment due and past due accounts!!! 
I want this account deleted/removed from my consumer report. 
15 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 A Section 2 States a consumer reporting agency can not furnish information on my consumer report without my written consent.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

PLEASE BE ADVISED THAT XXXX XXXX HAS INACCURATELY RECORD ALL PAYMENT RECEIVED ON THIS ACCOUNT XXXX. FIRST, THE COMPANY DOES NOT HAVE ORIGINAL CONTRACT WITH MY SIGNATURE OR TERMS OF AGREEMENT.SECOND, I NEVER RECEIVED AN INVOICE WITH COMPANY HEAD FROM THEM RECORDING TRANSACTION OR PAYMENTS FOR ACCOUNT XXXX. THIRD, I WAS CHARGED 2 REPOSSESSIONS ON ACCOUNT XXXX WHICH VECHILE WAS NEVER REPOSSED, AND IF SO, I DEMAND PROOF OF THE 2 REPOSSESSIONS. FOURTH, I NEVER AUTHORIZE OR GAVE PERMISSION FOR XXXX XXXX TO REPORT ON MY CONSUMER REPORT-ESPECIALLY INACCURATE INFORMATION. AND LASTLY, I WAS NEVER LATE OR RECALL A REPOSSESSION ON ACCOUNT XXXX. ALL HARM AND DAMAGES ARE A RESULT OF INCORRECT PAYMENT HISTORY AND BOOKEPPING.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I hope this message finds you well. I am writing to formally request the removal of a late payment recorded on my account ( # XXXX ) for the month of XX/XX/XXXX. 

I understand the importance of timely payments, and I regret any inconvenience this may have caused. My payments were on autopay, and I failed to have the payment in source of payee available. I have since rectified my payment habits and am committed to maintaining timely payments moving forward. 

Given my history as a responsible customer I kindly ask for your consideration in removing this late payment from my credit report. This would greatly assist me in maintaining a positive credit standing. 
Thank you for your attention to this matter. I appreciate your understanding and look forward to your positive response. 

Sincerely XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I opened a checking account with Truist Bank on XX/XX/2023. I made {$500.00} opening deposit to this new Truist account. The account I transferred from to make this opening deposit showed that {$500.00} was transferred to Truist on XX/XX/2023 Starting from XX/XX/2023, I couldn't access my Truist account online. I called them first as their website stated " Your online access has been restricted for security purposes. To resolve this issue, please contact the Truist XXXX XXXX at XXXX. '' The representative told me on phone that I needed to go to a branch. I then visited their branch the same day. I was then told that my account was closed but they didn't give me back the {$500.00} opening deposit. 

After 2 weeks, Truist have never returned my opening deposit of {$500.00} still. Additionally, Truist has added an item to my XXXX report which could harm my credit report and future application for accounts/cards. 

I am requesting Truist to return my opening deposit of {$500.00} and remove the item from my XXXX report.
Product: Payday loan, title loan, or personal loan

This was a joint account ( ex-husband ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 15
Product: Debt collection

This collection agency is still showing a judgment against me with XXXX XXXX court in Ohio, many months after this debt has been paid. This has caused serious ongoing impacts to my credit. I paid off the debt as we agreed. I called them and asked them to remove the unpaid judgement from my account and they have refused.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be " INACCURATE ''. 

XXXX. INACCURATELY REPORTING XXXX Account XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING FETTI XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXX XXXXXXXX XXXX Account XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXXXXXX XXXX XXXX Account number ; XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX  VERIFY ACCURACY WITH ORIGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these 'ALLEGED '' items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

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

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXXThis complaint to the CFPB is being submitted to request that Equifax, as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. The inaccurate and fraudulent information relates to the following accounts : XXXX XXXX XXXX - Account XXXX XXXXXXXX XXXX  - Account XXXX XXXX XXXX  - Account XXXX XXXXXXXX XXXX - Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX. These fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my FICO credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented. For your reference, I have also included a copy of my FTC Identity Theft Criminal Complaint, which confirms that these accounts and inquiries are a result of identity theft and fraud, as verified by the U.S. Federal Trade CommissionXXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to a bankruptcy Order of Discharge granted to me under 11 U.S.C. 727, I, XXXX XXXX XXXX, am XXXX of many debts, including a specified debt of Vivint ( XXXX XXXX XXXX is how the XXXX. Bankruptcy XXXX spelled it ). The amount of debt, when discharged in a XXXX  XXXX was about {$3500.00}. On XX/XX/XXXX, I noticed that a collections agency named XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX reported that I have an active collections with Vivint with the same account number ( XXXX ). I responded with a cease and desist demand letter ( attached ) and cited violations of the FCRA, FDCPA, and Defamation of Character. The certified mail number, as I recall, was : XXXX. Under assumption, XXXX XXXX XXXX should have informed their client, XXXX, of this information. Please bear in mind that the Order of Discharge ( attached ) from the US Bankruptcy Court was transmitted to " XXXX XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX, UT XXXX, under a Certificate of Notice ( attached ), with XXXX XXXX XXXX XXXX the XXXX of the court who did such action. This was done ( assumingly from the attached order of discharge ) on XX/XX/XXXX. On XX/XX/XXXX, I noticed that a new collections agency, Zions Debt Holdings, XXXX, reported a new open account of collections with the same account number " ( XXXX ) ''. I sent this new collections agency ( attached ) and Vivint a cease and desist notice and intent to report a complaint to your office, the FTC, and the CFPB XXXX Utah XXXX and/or the United States Government as necessary. I also declared intent of litigation if the collections agency does not cure the reporting within 15 days of receiving the letter in certified mail. Certified Mail for XXXX : XXXX and for Zions Debt Holdings XXXX : XXXX. Further, I have submitted a dispute request to XXXX to show this at least to be discharged in Bankruptcy XXXX XXXX. As it stands now, I am having to repeat disputing new collections agencies reporting a debt I was legally discharged from ; and, now I must consider this to be fraudulent activity, at least by XXXX. 
Furthermore, under the same bankruptcy case and discharge, I have to keep reporting to XXXX and XXXX that a debt being reported as still " Charged-off '' and not " discharged in bankruptcy XXXX  XXXX '' by the creditor, LendingClub ( either at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, or at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX I most recently did this at least a third time to XXXX, who claims to agree with the creditor that it is still an open closed charged-off account. This particular account was co-signed by another debtor, XXXX XXXX XXXX ; however, the XXXX Bankruptcy court granted me an order of discharge for my debt to XXXX. I view and assume this continual inaccurate reporting to credit bureaus as XXXX XXXX XXXX, and violations of the FCRA and FDCPA, as well as Fraudulent Activity, at least on the part of XXXX. 
I have also just filed the complaint with the Utah State Attorney General 's Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple files along with incorrect names and address that are reporting on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX there is no amount that show. however it does not or ever belong to me, and reference to my affidavit the was signed and notarized and sent to the company for Validation of debt along with he affidavit. Which was not answering in proper form, and not answered to at all. would demand for deletion and removal for fraudulent reporting along with not properly notifying my request foXXXX Method of Verification Request from the CRA. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} this is a Fraudulent reporting account that need to be removed
Product: Mortgage

I was in a trial plan which I successfully completed and was offered a permanent modification which I did accept. I filled out all the documentation exactly the way the lender wanted it and had it notarized. I sent the packet back to the lender and that is when things started falling apart. First they said they could not approve the document because I signed my signature wrong on the paperwork. ( I signed it exactly as it was typed on the paperwork ) The lender said that I should have used my middle initial but the documents did not have my middle initial on the signature line. I saw this as an excuse to delay the modification. Then they said that they did not see the whole notary seal. It was embossed on the original paperwork so I am still not understanding what they need. ( A seal is not a requirement in the XXXX of Kentucky ) The scary part is that they would not accept my payments, I did not want to lose my modification so I ended up mailing the XXXX payment and it did finally post to my account on XXXX XXXX, 2015. We have done everything they asked us to do, we completed the trial phase and filled out the permanent documents and returned them in the correct amount of time. Now, it seems like they are nitpicking any excuse not to finalize the documents and during this time they are still adding late fees and drive by fees to keep us further delinquent our account. we were also given the opportunity to take advantage of their incentive program which we have every intention of taking advantage of but with how they keep us delinquent and late it could possibly kick us out of the incentive program.
Product: Debt collection

This complaint is two-fold. The company, DIVERSIFIED CONSULTANTS has a collection account that is reported with XXXX, XXXX, and XXXX  with the amount of {$3100.00}. The company, DIVERSIFIED CONSULTANTS with the account number XXXX has " re-aged '' the debt to make it appear I opened an account with them in XX/XX/2018. The company is reporting my account as if it was opened with them on XX/XX/2018. The account is an old XXXX account. They are reporting incorrect information that is affecting my credit. In addition, I have not received any written correspondence from them in order to resolve the issue since XXXX. They have called me several times at my place of employment. I have notified them to not call me during work hours, as I am a XXXX XXXX XXXX who is legally obligated to provide XXXX XXXX services to the XXXX  I service. Each time they called, I informed them that I am at work. They have not sent any written correspondence at all to resolve the issue.
Product: Debt collection

This loan was taking care of and XXXX is still reporting it as unpaid and late.
Product: Credit card

NAVY FED YOU ARE HEREBY PLACED ON NOTICE OF A REQUEST FOR ACCOUNTING INFORMATION UNDER G.A.A.P. WHICH ARE RECORDS DEMANDED BY FEDERAL LAW TO BE MAINTAINED AND UNDER F.A.S.B. ASWELL UNDER UNIFORM COMMERCIAL CODE 9-210. ALL THAT NEEDS TO BE SAID IS IN THE NOTICE I AM FILING THIS COMPLAINT TO MAKE THE CFPB AWARE OF MY NOTICE TO HOLD YOU ACCOUNTABLE THROUGH THE CFPB SO YOU SO CHOOSE TO IGNORE IT. I HEREBY EXERCISE MY RIGHT TO RESCISSION AND RESCIND ANY AND ALL POWER OF ATTORNEY AND SECURITY INTEREST YOU HAVE ASSUMED ON MY BEHALF BY UNKNOWING CONSENT DUE TO YOUR T.I.L.A VIOLATIONS IN NOT PROPERLY INFORMING ME OF THE TRUE NATURE AND USE OF CREDIT. NOTICE THE PHYSICAL COPY OF THE DOCUMENT PROVIDED HERE WHICH WAS SENT CERTIFIED MAIL IS IN FACT NOTIRIZED AND IS NOW A LAWFUL DOCUMENT WHICH WILL BE USED AS IN EXHIBIT INCASE MATTERS SHOULD ESCALATE. YOU HAVE REFUSED TENDER OF PAYMENT ON MY ACCOUNT AS PER ELECTRONIC FUNDS TRANSFER ACT, BILLS OF EXCHANGE ACT AND UNIFORM COMMERCIAL CODE. NAVY FED HAS ALSO DISCRIMINATED AGAINST ME BY DENYING ME A GRANTED RIGHT TO CREDIT WHICH IS AN ALIENABLE RIGHT AND A VIOLATION UNDER EQUAL CREDIT OPPORTUNITY ACT BY SHUTTING DOEN MY CREDIT ACCOUNT. I DEMAND YOU PROVIDE ALL INFORMATION REQUESTED IN MY NOTICE WITHIN THE ALLOTTED TIME FRAME. FAILURE TO DO SO WILL RESULT IN WILLFULL NEGLECT AND IN PRIMA FACIE EVIDENCE OF COLLECTION BY FRAUD.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX