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

I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my_payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Ive called the bank multiple times due to fraud on my account was hacked information was stolen also {$250.00} child tax credit was deposited into the account that it was closed or blocked and they assured me the day before they were that that check could not go into the account which it did and then they charge me {$130.00} of overdraft fees when the night previous to the deposit there was no charges on the account. I have contacted 100 times Ive recorded the phone calls as well they will not transfer me to the correct department or etc. Citibank has stolen and held in withheld my funds.
Product: Credit card

I've consistently ensured that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Product: Money transfer, virtual currency, or money service

It was a transaction that went to the wrong person and I was told nothing can be done about it.
Product: Vehicle loan or lease

Leased a car from American Car Center, that processed the sales person lied about the purchase and never told me I was leasing. Company closed and sent to XXXX, and XXXX will not honor warranty and car is not working.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent information from my credit report due to identity theft. Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681E ( B ) Accuracy of report whenever a consumer report prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of all information concerning the individual about whom the report relates. 
15 U.S. code 1681 i ( s ) Treatment of inaccurate or unverifiable information ( a ) In general if after my reinvestigation under paragraph ( 1 ) of any information disputed is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation; And ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file or consumer. 
I have identified unauthorized accounts on my credit report that I did not open or authorize. Under 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of any information that the consumer identifies as resulting from identity theft. 
Accounts : XXXX XXXX XXXX XXXX XXXX Jefferson Capital System Jefferson Capital System XXXX XXXX XXXX
Product: Student loan

It's been over 10 years since this problem began. My oldest son attended a private school in Texas in the city of XXXX XXXX to play XXXX  for them. The administration, coaches, and financial aid office stated to us that they would help our son get his education. We were told that he would have XXXX XXXX and would not cost us for him to attend the school and play XXXX  for them. 

Fast forward to this present time. In XXXX my tax refund was taken by the government. In XXXX I was able to hire an attorney to represent me to dispute these erroneous charges and the opposing attorney dismissed the case. But then another one arose and that's why the garnishment was done. 

Also there's a private student loan discharged from a bank called XXXX that they wrote off and had discharged the amount but still shows it active on my credit report. In XXXX we filed a chpt XXXX due to medical problems and loss of wages and included any private student loans that the law allowed us to discharge. 

I just need advice on what to do in this matter. In 35+ years of credit history I was never late not 1 payment at all. But since I was medically not able to work the hours I was used to, I lost my wages, which forced me to file a chpt XXXX. The judge understood my plight and had accepted my financial bankruptcy. She even stated in her decision that's why the law was put in place to help individuals like my wife and myself when things that can go wrong financially in life that we need such help to restore back what is lost.
Product: Bank account or service

Last XXXX, Paypal placed a limitation on my account and blocked me from accessing my balance citing that they have up to XXXX days to do so. XXXX days have passed but they still blocked my access to my money.
Product: Bank account or service

Suntrust allowed a debt collector to garnish my wages, even though my wages are from XXXX ( social security ). I informed the creditor, XXXX, that I was very ill and on XXXX. I lost my job because of my health, yet had been consistently paying the creditor, XXXX before I lost my job. I called XXXX XXXX XXXX ( creditor ) informing that I lost my job and was applying for XXXX. They refused to work with me. Suntrust never sent me a letter warning me of garnishment or to confirm my source of income ( which is an ETF deposit monthly from Social Security ). Suntrust allowed both my savings and checking to be put on hold and charge enormous fees for " holding '', overdraft, and a garnishment fee. They also admitted the creditor, XXXX could see my account and explain what charges were pending. How is this possible? The bank was negligent for not confirming that my income was from XXXX or prevent the collection agency from garnishing my account or if the garnishment was legal, ensuring that the limitations on amounts by law were legal ( they charged both my savings and checking accounts the garnishmen ( so XXXX charges for XXXX garnmishment ) than placed the accounts on hold ). I never received XXXX notice giving me the opportunity to show my income was from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXXXXXX XXXX SOC SEC XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT 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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VT XXXX
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 {$0.00}.

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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One XXXX opened XXXX XXXX late payments from XXXX Want to have them removed please. It has been 5yrs, payment history is exceptional now. 

Capitol One Quicksilver-opened XXXX XXXX late payments, it has been 5yrs, would like removed.payment history is exceptional now. 

XXXX XXXX-Opened XXXX XXXX late payments. payment history is exceptional now. 

XXXX XXXX XXXX XXXX-Paid in full, still shows on Report, need removed. 
I dont have amounts..to long ago XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information being reported includes a personal loan that was opened at XXXX XXXX  on XX/XX/XXXX of XXXX under the account number XXXX, as well as a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX of XXXX under the account number XXXX with a balance of {$33000.00}. These accounts have resulted in multiple fraudulent collections being reported on my consumer XXXX credit report. I have attached a copy of the consumer XXXX credit report which shows the aforementioned fraudulent items. I do not recognize the aforementioned loan or the collection account as reported. The aforementioned loan and collection accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned loan and collection accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer loan and collection accounts both are the result of identity theft and fraud
Product: Checking or savings account

Capital One kept my funds in a low yield XXXX XXXX account instead of informing me of their higher interest Performance Savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 
Accounts XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Money transfer, virtual currency, or money service

i opened an account in WISE formerly known as Transfer Wise, It uses XXXX and XXXX XXXX  as a backend bank, I transferred an amount of XXXX USD in my account from my personal account of XXXX XXXX XXXXXXXX. They Blocked this transaction and even Closed/deactivated my account without any proper reason. They are now not refunding back the amount to my personal account. 

I tried to emailed them several times but they are not responding to any of my emails The amounted holded in account details are already in this message Account holder : XXXX XXXXXXXX XXXX ACH and Wire routing number : XXXX Account number : XXXX Account type : Checking Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX United States
Product: Checking or savings account

XXXX To date Chime XXXX XXXX and XXXX and XXXX refuse to update my phone number by following their policy. 

I have sent in my photo of ID last 4 social, phone number, now they want another selfie and my handwriting with email written down which is already on file. 

I have emailed an FBI agent as well. 


Chime is Phishing information illegally. I am to be compensated for constant fraudulent behavior on Chime. 

I emailed XXXX XXXX XXXX XXXX about this as well. 

Chime Keeps asking for same info over and over. I have several screenshots of this requested information.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX  XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Consumer Loan

I took out a {$15000.00} interest-free ( until XXXX of XXXX ) loan from my Chase Slate account for home improvements, which was reflected on my XXXX XXXX, XXXX statement. There was a {$300.00} balance transfer fee, which I paid, along with my purchases of {$90.00} and also a payment of {$1100.00} toward the {$15000.00} loan. Then on my XXXX XXXX, XXXX statement, I was charged {$.00} interest on purchases. When I called to ask, I was told that it did n't matter how much I paid each month, even if it was way over the minimum, I 'd be charged interest ( 11.49 % ) on my purchases. I was told this was a " revolving account '' and that there is n't anything I can do to keep from being charged interest on the purchases, unless I pay the entire balance off. I have just paid again, and I am going to call to see if they will allow me to apply an amount of my choosing towards my purchases during the last month. Either way, I am not going to use this credit card for purchases again. Beware of these offers of " zero percent interest ''! They are misleading.
Product: Mortgage

The problem I am currently having is with Freedom Mortgage " Loss Draft '' department. We live in XXXX, Texas, and our home was severely damaged during the ice storm event in XXXX of this year. 
( XXXX  XXXX  ). My issue is, that Freedom Mortgages Loss draft department refuses to endorse and return my second and final insurance settlement check of {$5100.00}. We went through this with them regarding the first initial payment of {$9700.00} dollars. They held the first check, stating I was behind on my mortgage, and they weren't going to release it. I did file a complaint thru CFPB regarding that issue, and they returned the check within a week of initial complaint. Repairs got started. I sent the insurance agency the requested pictures of the completed repairs to floors and bathrooms and walls. Insurance company was satisfied with the pics of the completed repairs, and released the remaining {$5100.00} to me. Freedom Mortgage is WITHHOLDING this check from us, and refusing to endorse it, withouit an W-9 from the contractor. This is just ridiculous, when I have provided acceptable proof to the insurance company. When I contacted Freedom 's Loss draft department today, I got nothing but a hard time and total disrespect from the agent I spoke with just a few minutes ago. I am a 14 year Veteran of the United States XXXX XXXX, and this is a VA secured loan, and I honestly don't appreciate this treatment from the LOss Draft department. My wife is suffering from Covid related congestive XXXX XXXX and XXXX XXXX XXXX XXXX, and this stress has put her back in the hospital, under life threatening conditions. Please, for XXXX 's sake just endorse this check and send it back to me. We have lighting work to be completed, and some more wall painting. I do intend to file a complaint also with the mortgage assistance bureau out of XXXX, Texas. We just want this " XXXX of XXXX '' check to be endorsed and sent back, in an extremely timely fashion, so we can spend it as intended, on completing necessary home repairs, PLEASE!!
Product: Credit reporting or other personal consumer reports

EQUIFAX had a Data breach and all of my personal and credit information was exposed and I want it all deleted immediately. If it's not deleted I will be filing a lawsuit against Equifax and anyone involved in this matter
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau indicating they believe the disputes are coming from a third party, which is not the case. Despite my attempts to verify my identity by phone, they still refused to process my disputes. I ended up spending money on mailing my disputes and sending personal information to confirm my identity, only for them to fail to conduct a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, Complete Credit Solutions began reporting derogatory information to my credit report. I contacted the collector requesting validation which they failed to respond to and proceeded to add derogatory marks to the already erroneously reporting credit file. There has been NO written form of communication, contract, or signature for this accused debt. According to the FCRA Complete Credit Solutions has violated my rights as a consumer and I'm requesting this account be removed immediately from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing, Please help me delete these illegal accounts from, my credit reports.
Product: Checking or savings account

Opened a checking account with XXXX XXXX ( administrated by Bank Mobile , account by Customers Bank ) in XXXX, app said that account can't be used until debit card ships, patiently awaited for weeks, no card, submitted missing card request, weeks later no card. Finally go to try and contact again to get a card shipped and was told my account was closed by their Security Team, and that I am unable to apply for another account. 

Contacted customer service to see what happened, as there's obviously some kind of mistake, and was told there is absolutely nothing I can do ( appeals, information request, escalation, etc. ) and no one I can contact at all regarding this issue by both tier 1 and their executive customer service team. 

Since I am not a bad actor or any kind of security risk, there has obviously been an error, or XXXX XXXX has information that I should be aware of ( potential identity theft, etc. ), but that they won't provide or help with in any way.
Product: Checking or savings account

I moved at the end of XX/XX/2023. 
I asked Synchrony XXXX of XXXX. Tx, to update my account address. 
I called & spoke with the Synchrony IRA Dept multiple times, including XX/XX/23 & XX/XX/23. 
Plus I sent in the proof of a new addressXX/XX/23. 
A call to their IRA Dept today resuted in their refusal to update, they said the forms & proof were received by them, but now I had to receive a text ( which I do not do ), plus my drivers license, a photograph of me, & other documents. Its obvious their attorneys are driven to mist-treat XXXX  who do not use cell phones/texting. I have other XXXX XXXX  ( XXXXXXXX ) & they specifically allow us to do changes over the phone or via simple letter. Synchrony prefers fraudulent ways of blocking IRA holders from their funds.