23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my divorce in XX/XX/2022 I have not been able to update my own personal yearly income as a newly single person. 
I suspect that this is the reason for being rejected from all my applications for new credit cards Kindly update info. I need to establish my own personal credit history. Plus I need a credit card that offers a high credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I mailed a letter to Experian asking them to remove a XXXX XXXX XXXX XXXX account listed on my report that does not belong to me. I was added as an authorized user on this account without my knowledge and asked Experian to remove the account. The balance on this account is $ {$1900.00} with a high balance of {$2000.00}. 

The response I received stated that the account was verified and accurate and was not removed. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the time of XX/XX/2019, I noticed a gross amount of fraudulent charges in small amounts on my XXXX XXXX XXXX that added up to approx. XXXX. At the time, when I noticed it, 8 months had passed. After being with Bank America for 20 years with my credit cards, I was surprised that they did not notice the fraudulent activity and out of pattern activity. Also with my card not being present! On top of everything else, my other XXXX credit cards were canceled as well and took away all of my accumulated points!! Along with destroying my credit!! I would hate to say that this is a case of discrimination, but it appears that it is! After numerous attempts have resulted in numerous declines and unacceptable reasonings. I feel discriminated against!! They were presented with a Police Report # XXXX. XXXX XXXX was negligent ( refused ) in acknowledging the documents were received. To be an XXXX American, XXXX XXXX who works tremendously hard to achieve and maintain a great credit rating, I feel XXXX XXXX has single handedly, wrongfully assassinated my credit rating and an defaming scar on my life for the last year and a half. 
I feel I am due restitution financially and my credit restored!!
Product: Debt collection

Subject : Formal Request for Debt Validation, Cease Collection Efforts, and Cease-and-Desist Communication Dear Acron Credit Solutions LLC and XXXX XXXX XXXX LLC , I am writing to formally request validation of XXXX accounts you have reported in my name : - Reference Number : # XXXX - Reference Number : # XXXX These debts are causing harm to my credit profile, and I am disputing their accuracy and legitimacy. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to full validation of any reported debt, as well as protection from unverified or inaccurate reporting. Until these accounts are validated, I am requesting an immediate halt to any collection efforts and removal of these accounts from my credit report. 

Specifically, under federal law : 1. **15 U.S.C. 1681g ( FCRA ) ** - This section entitles me to full disclosure of the debts nature and terms. I request documentation that verifies this debt, including : - The original signed contract establishing my liability, - A complete payment and interest history, and - Proof of legal transfer or assignment from the original creditor to each agency now reporting the debt. 

2. **15 U.S.C. 1681s-2 ( FCRA ) ** - This section prohibits reporting any inaccurate or unverifiable information. If you are unable to provide valid documentation to verify this debt, I request its immediate removal from my credit report to prevent continued reporting of unverified information. 

3. **15 U.S.C. 1692g ( FDCPA ) ** - This provision of the FDCPA requires that upon my request, you validate the debt. Until you provide complete and sufficient documentation, I am requesting that all collection efforts cease immediately. 

4. **15 U.S.C. 1692c ( c ) ( FDCPA ) ** - I am exercising my right to request a cease-and-desist of any further communication efforts regarding these accounts. This includes all phone calls, letters, emails, or any other form of contact with me or my family members. Any further communication will be considered harassment and a violation of my rights under the FDCPA. 

Please consider this letter a formal dispute and request for validation. If you can not provide sufficient documentation to validate these accounts, I demand that they be removed from my credit report in compliance with **15 U.S.C. 1681c ( a ) ( 4 ) **. 

Failure to comply with these requests may result in my seeking legal remedies, including damages, as provided under the FCRA and FDCPA. I request written confirmation from both Acron Credit Solutions LLC and XXXX XXXX XXXX XXXX regarding your actions to validate, remove, and cease communication regarding these accounts. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account.
Product: Checking or savings account

Td babk is saying Im having account abuse which is incorrect they are hurting me to get credit and grow my livelihood and banking
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt or credit management

XX/XX/23 I logged into my Transunion paid subscription account so that I could unlock it as I was seeking credit. It kept giving me an error that said " invalid credentials. '' I called customer service spoke to a representative and they said I had 2 accounts. One paid and one free. I told the rep that I only have 1 account and I pay XXXX a month and it automatically comes out of my account. The rep stated they believe that was why I was locked out. The rep sent me multiple reset password links and they would not work. The rep said that they could delete the free account and see if it lets me in. I tried again with the rep and it would not let me in. The rep then said they needed to transfer me to a supervisor because it was not working. The rep transferred me to a supervisor and then the line disconnected. I called back and got a different rep. who did not really try to assist he just sent a reset password and told me to try it in 10 minutes and ended call. I waited tried the link and it still did not work. I had work so I could not call back as I had already spent an hour trying to get this resolved. on XX/XX/23 I called again and a rep was trying to help me and the line disconnected again. On XX/XX/23 I called again and a rep by the name of XXXX tried to assist me. This rep then said that my account was deactivated by my request. I explained to her I would never cancel my account I have had it for almost 10 years and that is how I monitor and protect my credit. I asked that all the calls that I have made to Transunion the last 3 days be pulled and reviewed and for them to correct my account. The agent said they need to get me to a supervisor. In the process of speaking to the supervisor the line went dead again. I called back got a rep who said they would just set up a case and have a supervisor call me in 24 hours. I have not received a call back. I believe Transunion deliberately closed my account because I have an account that is XXXX that I have had for years and they now charge XXXX for that same account today. All I want is my account fixed and reactivated or give me back the last 10 years of my monthly payment of XXXX per month.
Product: Debt collection

I had no knowledge of this account until it hit my credit report. I never signed up for a XXXX account. I have never received a bill from XXXX. 

I tried to call XXXX about this but they transferred me to a third-party debt collector ( Convergent  ). When I provided the customer service rep at Convergent with my name, she said she couldn't find any account under that name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account Name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Vehicle loan or lease

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date.

Ally Financial never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and it was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer.
Product: Debt collection

Debt collector has already placed notice of suit on file without contacting me. I have been informed it is a matter of public record as of XXXX XXXX.
Product: Checking or savings account

I have opened a checking account in HSBC last year. According to the promotion, I should receive {$750.00} bonus as long as I make monthly direct deposits totaling at least {$5000.00} for 3 consecutive calendar months from the second calendar month after account opening.

I have completed the requirement, but I haven't received any bonus. I contacted HSBC dozens of times through phone call or online chat. One of the representatives confirmed that I had completed all requirement and he helped to create an investigation case ( case number : XXXX  ). But whenever I contact HSBC, they either told me no update on my case or gave me some ridiculous reason like I'm a trust customer which is not required for the offer, but I never have a trust account. 

I know since we're in a pandemic, progress could be slow. However, this issue has been lasting for over 6 months. I should receive the bonus even before the pandemic happened in the first place. I don't think I can receive this bonus after wasting so much time to deal with them. I transferred over XXXX XXXX asset to HSBC but I still don't get the respect. I feel this is a scam.
Product: Mortgage

In XX/XX/XXXX, I opened a home loan with Bank of America, which reported on my credit report back in XXXX. In XXXX, Bank of American transferred the loan to XXXX XXXX. Somewhere along the line, my XXXX mortgage was deleted from my credit reports. There is no record of me ever having a new home loan with Bank of America in XXXX. This inaccuracy affects my credit score and home purchasing power. It also prevents me from renting because I have no record of payment history.
Product: Checking or savings account

On XXXX XXXX XXXX, I tried to make an {$850.00} cash deposit into the Citibank personal checking account of one of my Contractors. The funds were to be used for business expenses he is incurring for a tour he is currently conducting on our XXXX 's behalf. These were destined as expenses, and not for salary, and were required immediately into his account. As I did not have an account with Citibank, bank protocol requires the following information for any deposit into a Citibank account XXXX personal or business ) when the depositor is not an account holder : a ) phone number, b XXXX full social security number and c ) occupation/title. I did not want to provide my social security number, I instead offered my Real ID driver 's license, and the company EIN number as I was making this payment on the company 's behalf. They refused to take my money. I then watched other transactions take place at the counter, and soon realized that no matter the amount, if a person was making a deposit into the bank, and was not an account holder, they required the same information, It occurred to someone making a {$5.00}, {$20.00} or higher amount deposit. 

I am fully aware of banking regulations regarding money laundering, however, this appears to be a larger issue. The bank is compiling information about people ( including their occupation, which is a strange request ) on a widespread level. I contacted the main telephone number and was informed that was the protocol. 

That this information is required for more important activity such as to cash Citibank checks for those who do not have accounts, or for any suspicious fund deposits, or even for funds deposited in cash over $ XXXX or $ XXXX is understandable, but to collect on a wholesale level all personal data of any person, making any amount deposit and who is not an account - whether it is {$5.00} or {$850.00} is very concerning. My complaint is that I believe this information is being stored for use for other purposes without my permission. I would appreciate your enquiring with the bank as to what is the exact use of the information, how long the personal data is withheld, how it is destroyed, do other entities have access to this information while in it is stored XXXX third parties of any kind including their own internal products department ) and what security measures are taken to keep this information safe. At the time of the deposit, there is no written information provided to customers why they are collecting this information, and no signatures are requested by the depositors. The clerk simply hands over a small slip of paper and demands the information, and then spends an inordinate amount of time inputting all the information into the system. I have kept this piece of paper ( attached ) because I never handed it back to the teller. 

Note that for check deposits, this information is NOT requested. 

I ultimately went to my own bank, had a cashier 's check drawn up and deposited the funds required as a check into the Contractor 's account. This incurred a 24 hour delay in receipt of the funds.
Product: Credit reporting or other personal consumer reports

AM NOTIFYING THE US ATTORNEY GENERAL ( XXXX XXXX ), TENNESSEE ATTORNEY GENERAL ( XXXX XXXX ), THE US COMPTROLLER ( XXXXXXXX XXXX ), AND THE TENNESSEE COMPTROLLER ( XXXX XXXX ). 

See PREVIOUS complaints that outline VIOLATIONS AGAINST me and see attachments XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In accordance with the fair credit reporting act Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

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

Notice sent to Equifax, XXXX, and XXXX regarding XXXX XXXX XXXX in the amount of {$680.00}. Inaccurate information has been reported with no resolution within the month of XXXX as well as the month of XXXX.
Product: Checking or savings account

I received my XXXX XXXX XXXX Mastercard statement from XXXX, dated XXXX XXXX, 2023, with the due date on XXXX XXXX, 2023. The amount was {$9300.00} and payable to XXXX, with my credit card number ending in XXXX. I sent my Wells Fargo check # XXXX, dated XXXX XXXX, 2023 for {$9300.00}. Since I did not see XXXX showing it as received, I contacted Wells Fargo, on or abouXXXX XXXX XXXX XXXX XXXX  They told me it was cashed but paid out to somebody named XXXX XXXX, instead of XXXX. They closed that checking account. They immediately opened up a fraud cast. That day I was told I would be reimbursed if this was a fraud. It was evident that somebody stole my mail and changed the payee to XXXX XXXX. I asked several times where it was deposited or cashed, but they never told me. 
In order not to be late with XXXX, I paid the {$9300.00} with my XXXX checking account. 

Everybody from Wells Fargo I spoke with, including my branch, told me that I would be reimbursed as long as it was found to be fraudulent. Probably about 8-10 different people told me that. They also told me it would probably take about 10-14 days. 
In the meantime, I went the police department to file a police report, as backup. The police told me I would need an Affidavit of Fraud from Wells Fargo, to file a report. So I asked my branch for that. They told me they did not have such a form, even though I told them that the police told me that all banks have that form and that they needed it to file a report. They never gave me that form to go to the police with. Very fortunately, the police finally were nice enough to do the police report for me, even though they again told me on 3 occasions that Wells Fargo and all banks have that form which is their basis for filing reports on fraudulent situations involving banks. 

On XX/XX/XXXX, I went to my branch to get an update. I was informed that having proven my case was a result of fraud, now would not result in me getting reimbursed. My advisor at the bank even submitted a complaint to Wells Fargo for me stating that i was told by everybody, including my advisor, that would be reimbursed once it was determined to be fraud. 

I think what is going on here is that Wells Fargo is experiencing lots of fraud like this. With the amount of money possibly being very substantial, I think they have decided NOT TO REIMBURSE their customers in these fraudulent check situations, saving them a great deal of money. I think, if true, they are engaging in fraud against their customers. I might add that I am a premier customer so you can imagine what goes on with their average customer. 

I strongly recommend opening up an investigation, to see if they are practicing fraudulent practices with their customers. Based on their history of fraud, I would not be surprised if this is a widespread situation saving them millions of dollars at the expense of their customers. 

PLUS, anything you can do to get my {$9300.00} put back into my checking account would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit card

My interest rate with my credit card is ridiculous. I done paid them way more money then the amount the credit card is worth in the past XXXX  years, if not longer.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FEDERAL CU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!