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

I made a deposit of a Cashiers Bank Check in the amount of {$20.00}, they put a two day hold on it. I then deposited my certified payroll Check in the amount of {$3500.00}, and they put a one week hold on it. They said they are trying to build a relationship with me.
Product: Checking or savings account

I opened a checking account with Axos bank on XX/XX/XXXX with a promotion. The promotion will credit {$400.00} to the account if I maintain a {$3000.00} daily balance and at least {$1500.00} direct deposit a month. I am paid every two weeks. I set up {$1000.00} for each direct deposit so there will be {$2000.00} for each month. Since I opened the account in the middle of XXXX, my first deposit came in on XX/XX/XXXX and the second deposit came in on XXXX. 

Today I received {$100.00} bonus, when I called Axos, they told me I didn't meet XXXX direct deposit requirement. I didn't know they are looking by calendar months. It was not indicated anywhere when I opened the account. 

I request Axos bank to credit me the remaining {$300.00} bonus because of their fault to cause the confusions.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM 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. 
XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA 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 FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX XXXX ACC BAL {$25.00}, XXXX # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed out a certified letter with a return address to Wells Fargo asking them to Validate my debt. Wells Fargo responded with this letter. See attachment. Their response did not properly verify my debt and I 'm asking for them to remove the late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent every credit reporting bureau a identity theft police report and copy of my id and Experian REFUSES to remove unauthorized inquiries. I called AGAIN XX/XX/XXXX and the representative to remove all unauthorized inquiries from my report. I advised I have contacted these companies and can not get resolution. The representative stated to keep reaching out. That if I applied for a loan companies can do that. I advised her NO I authorized ONE company and they never reached out to verify my identity before allowing them access to my credit like I requested when there is allegedly a freeze. And this is causing a negative effect on my credit. She refused to give me a rep id. And just advised she can put she is on the XXXX team. I advised I did NOT authorize any other company but XXXX and XXXX XXXX to access my credit. I am requesting these all be removed since these fraudulent and unauthorized inquiries are having a derogatory effect on my credit. I have been fighting with them for over 1 year and its increasingly becoming a issue. I am requesting the following be removed. They have allowed companies to access with a credit freeze and wit my knowledge and authorization. remove the inquiries. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I ALREADY HAD THE LOAN XX/XX/XXXX THEY HAD NO PERMISSION OR REASON XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NO DATE GIVEN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARDS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO NO DATE GIVEN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX MEMBERS XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX NO DATE GIVEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO DATE GIVEN I HAVE LEFT WHAT I DID AUTHORIZE NOT LISTED
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023, I missed one payment to XXXX XXXX. Last month as shown by the dashboard screenshot attached, they closed my account. XXXX XXXX as shown by the screen shot, reported me only to XXXX as having a closed account and reported that to XXXX on XX/XX/XXXX. 

As shown in the screen shots provided, both XXXX and Equifax both show it as open and they have not reported to either of them since XX/XX/XXXX and show the account as opened and paid on time.
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was approved for credit through Conns XXXX XXXX with a XXXX mo no interest loan. purchase was made XX/XX/XXXX and was delivered XX/XX/XXXX ( TV and refrigerator ). At the time we were approved online, we then went to the store located at XXXX XXXX XXXX XXXX XXXX, NM. Due to covid, and what we knew we were getting as we called ahead of time, my wife and I remained outside while a salesman had brought his paperwork outside. He asked us if we wanted a warranty in which we did want a 3 year warranty on the TV. We told him no warranty on refrigerator and NOTHING else besides the TV, the tv warranty, the refrigerator and that was it. We knew we had been offered XXXX mo no interest. So approx, in XX/XX/XXXX I started questioning why I was getting NO monthly statement ( I continued to make monthly payments above what I knew the minimum payment was ). But I was receiving NO statements and this was concerning, so I had my wife, XXXX XXXX call and they told her the reason why there was no monthly statements was because she was making our payment through our credit union bill pay. In XXXX, my wife called to get the pay off and it wasn't the exact amount it should be and started questioning things. She asked again why we weren't getting a statement and was told that NOBODY gets a monthly statement. They also then admitted that I was being charged {$450.00} for property insurance, which I didn't ask for NOR did they offer to me. We found out it was indeed in the small print on agreement when I signed in XX/XX/XXXX. This is very deceptive and my wife was told that as of 2 weeks ago they had charged over {$67.00} for that protection and as of today it was over {$90.00}, despite on XX/XX/XXXX, she had our home owners policy agent fax a copy and same day, my wife emailed that proof to Conns and since that dad again they had charged me over {$15.00} more. Again, If I was given a monthly statement I would have been able to see what they were charging erroneously and could have dealt with this immediately! Yesterday, XX/XX/XXXX, my wife called again to get the pay off again, and ask for a monthly statement, this time she was told that she could set up online with Conns to see my statements. Today, XX/XX/XXXX, she did just that, she set up my Conns account and yet there was no financial information to be seen. She then called Conns XXXX XXXX ( XXXX ), the same number she has been different answers, and they told her today that there is no statement she can see online or get by mail or email. She told them she believed this was illegal and said she demanded to see my account activity, so the woman on the phone offered her a one time email to see my balance. I am furious that they have charged me nearly {$100.00} in property insurance, when I have property insurance and would not have elected to have this added to my bill ( attempting for me to pay {$450.00} total ). I am furious that Conns XXXX XXXX being in several states, doesn't give their customers a monthly statement, HOW IS THIS LEGAL??? XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item 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 first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) 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. 
SYNCB/GAP XXXX Date Opened XX/XX/2014 XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I TRIED CONTACTING THEM BT IT SEEMS LIKE THEY ARE BLOCKING AN UPDATED VERSION OF MY CREDIT REPORT AND SCORE FROM SEVERAL WEBSITES AS WELL AS THEIR OWN SO I CAN SEE UPDATED INFORMATION. IT SEEMS RETALIATORY SINCE I HAVE FILED COMPLAINTS FOR INCOREECT REPORTING IN THE PAST. 

it always says temporary issue and yur report is not available ( For 3 months know )
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the Account Name : XXXX XXXX, Account Number XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Vehicle loan or lease

Its been brought to my attention that my contract is in violation of federal, U.S. Code 1605 - Determination of finance charge As well as illegally asking for a Down Payment in order to finance my XXXX XXXX XXXX which was purchased at XXXX XXXX XXXX XXXX XXXX. 

List of other violations that may have been included Code S1635- right to rescission 15 U.S.Code XXXX XXXX-right to rescind after 3 vears iffescind paper work was never furnished Is U.s. code S 16356 - right to reseind and keep the property 15 U.S.Code {$1600.00} - Tinance charge defined 15 U.S. Code 1662 ( b ) - mixing cash with consumer credit transaction 10
Product: Mortgage

I purchase my homeowner 's insurance since XX/XX/XXXX. 
I received a notice of escrow account statement on or about XXXX XXXX, XXXX although it was dated XXXX XXXX, XXXX. 
In the statement it shows that I will be charged {$5700.00} for HAZARD INS. 
I have my own hazard insurance with XXXX XXXX XXXX XXXX of Florida. 
The cost of my homeowner insurance is {$980.00} and it is paid for until next year XXXX/XXXX/XXXX. 
I tried to call Seterus since the notice. I have called XXXX many times. 
I was not able to speak with a live person. I left messages to call back. There was no call back. 
This forced placed insurance will be a double insurance on my house.
Product: Credit reporting or other personal consumer reports

Experian credit report failed to properly investigate credit disputes and accurate information. Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law. Experian did not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports and Improperly reinserting inaccurate information on consumer reports :
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT THAT HAS BEEN CAUSING SERIOUS DAMAGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020. I purchased a car from XXXX  XXXX  XXXX  on lease. The car was totaled out and the insurance company paid the car off in full. Well I pull my credit report and their reporting I owe full price for this car. Saying that I owed a {$500.00} deductible That I knew nothing about. This car has been paid for these people are scamming people out of money and its not fair. This should not be on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX I sent proof over 5 times in the past year showing I was a victim of identity theft still the accounts remain I asked the company to send me over verification and prove that I am on these accounts and I signed documents or contracts with these companies on XX/XX/2024. They did not do a proper investigation. They did not respond to my letter. 

I am a victim of identity theft I reported these accounts listed above many times its still on my Credit file Based on, 15u.s code 1681c-2 a consumer reporting agency shall block the reporting of any Information in file of a Consumer that the Consumer identifies as information that results from an alleged Identity theft. not later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my Consumer report as they are in VIOLATION under 15 u.s code 1681b- permissible purpose of Consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other. ( 2 ) in accordance with WRITTEN INSTRUCTION of the Consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my Consumer report which violates my rights as a federal protected Consumer. NO CONSENT IS IDENTITY THEFT. As a Consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX  XXXX XXXX
Product: Debt collection

I have no recollection of this collection. NATIONAL CREDIT SYSTEMS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
Product: Money transfer, virtual currency, or money service

Yesterday, as of this writing, I attempted to access my Coinbase Account ( it is the standard account, not pro, or any other special name ) where upon entering my credentials I was prompted with a " new '' user agreement, and an account upgrade, both of which I declined. From then on I've been unable to access my account or manage my funds in any way. There should have been notice of this locking out of the account. I had no indication that I would not be able to access my funds without agreeing. I've contacted Coinbase about this, but in the mean time this company is keeping me from making decisions about the funds that I've entrusted them to hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries because these are suspicious. XXXX XXXX XXXX XXXX,		XXXX XXXX XXXX and	                  XXXX XXXX
Product: Credit card or prepaid card

I made a call to American Express trying to get an increase of the Cash advance amount I have available. My credit limit was {$6700.00} and only {$200.00} dollars available for cash. I spoke with a representative on the phone and he said the only way to be able to request an increase on cash advance limit, I would have to request an increase also on my credit limit so he suggested I do at least a {$100.00} dollar request on my credit limit which I agreed. He also asked if I was planning on get cash from my card and I said Yes. The response I got was that both my requests were denied and that I would be receiving a letter on the mail. A few days later I call again to get my card PIN number because I needed it to make a cash withdrawal and the agent on the phone said if I was aware my credit limit was dropped to {$1000.00} dollars. So I told him that's not possible that I had just checked the app a few days earlier and my credit limit was {$6700.00} and I had a {$0.00} balance. And he said they had done this review back on XXXX and I said that was not true because I had just called and they reviewed my account only because I called to get some help over the phone trying to get a cash advance increase, I told him I felt discriminated that they had done that just because I called. If I hadn't called my credit limit and account would be the same. What can I do in this case?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has XXXX XXXX listed on my credit report when I have submitted documentation that shows it should no longer be reporting on my credit report. 

XXXX XXXX and XXXX have removed XXXX XXXX - EQUIFAX has not!
Product: Prepaid card

Company is ignoring the complaints, I bought a {$25.00} Google play gift card at target in XXXX and tried to use it but they wanted more info. I gave it to them and even gave my receipt for proof of purchase but they refused to allow redemption citing non-existent issues with my account that they wouldn't explain. I wish to redeem the card. Account info XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00}