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

I worked at U.S. Bank and opened a checking account with them. I left in XXXX of 2022. 
I contacted them on XX/XX/2022 to have the account closed and was notified that I was {$73.00} overdrawn and I needed to transfer the {$73.00} to the account to close it. I transferred the funds and was notified the account was closed. I recently tried to open an account at XXXX XXXX XXXX XXXX and was turned down due to negative reporting from XXXX. U.S. Bank reported a charge off to XXXX in the amount of {$420.00}. U.S. Bank DID NOT CLOSE MY ACCOUNT UNTIL XX/XX/XXXX of 2022, more than XXXX months after they told me it was closed. So ... during that period they allowed a charge to go through and NEVER informed me of the charge. I worked in that branch, they had monthly contests regarding opened and closed accounts, they kept it open to help with their standings. I asked them to remove the Charge Off, they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Please Delete Telephone numbers that do not belong to me : 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

Dear SageStream , LLC Support Team, I am writing to request an update to the information in my public records maintained by your organization. Specifically, I ask that my current phone number be added or updated to ensure my profile reflects the most accurate information. 

Phone Number to Update : XXXX I have attached documents verifying my identity and confirming my current phone number for your review. Should you require any additional information or documentation to proceed, please let me know, and I will promptly provide it. 

I kindly request that this update be processed as soon as possible, and I would appreciate receiving confirmation once the changes have been made. 

Thank you for your attention to this matter. If you need to reach me for further details or clarification, please contact me at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate charge-off account that is currently reporting on my credit file. I previously submitted a dispute regarding this matter, but the response received from the credit bureaus was insufficient and failed to address my concerns adequately. Specifically, the account in question does not provide a valid account number, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and prevents me from verifying the legitimacy of this debt. 

Account Details : Account Number : XXXX ( No valid account number provided ) Account Status : Closed - Charge Off Payment Status : Past Due - {$1000.00} Legal Basis for Dispute : Violation of 15 U.S.C. 1681e ( b ) - The Fair Credit Reporting Act requires credit reporting agencies to ensure maximum possible accuracy in reporting. Reporting an account without a valid account number fails to meet this standard.

Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - If a consumer disputes an item, the credit reporting agency must conduct a reasonable investigation. Failure to provide sufficient information regarding the disputed account demonstrates that a proper investigation has not been conducted.

Burden of Proof on the Furnisher - Under the FCRA, the furnisher of information must provide evidence that the account belongs to me and that it is being reported accurately. The absence of an account number raises serious concerns about the legitimacy of this entry. 

Requested Action : I request that this charge-off account be immediately removed from my credit file unless verifiable documentation, including a valid account number and original creditor information, can be provided. If such documentation can not be provided, the account must be deleted per FCRA requirements. 

Please provide a written response regarding this dispute within the timeframe outlined by the FCRA. Failure to comply may result in further action, including legal remedies available under federal law. 

Thank you for your prompt attention to this matter. I look forward to your resolution.
Product: Debt collection

Recently I have found out that XXXX XXXX  XXXX is Permanently close Thats what this debt originally came from I have sent Countless letters to this company and I havent got Response yet also told this company that my debt was identity theft This company has my wrong address Also and they keep calling me trying to get me to pay this debt if this doesnt get resolved soon I will use legal actions
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered my info was breached in the XXXX XXXX and XXXX Data Breaches and was given settlement. I have written, disputed on line and on the phone to clear up the erroneous accounts. 
Addresses and accounts that have disputed have come back saying they wont look into my file. How can you verify and say evrything is correct when I dont live at those addresses and my names are wrong. 
I have sent my FTC ID Theft AFFIDAVIT along with XXXX Settlement, XXXX said to contact Bureaus and will be notified of litigations Please remove these erroneous accounts and give me my peace of mind back.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 in a MACYS store, a woman offered me if I wanted to be a customer of the store without telling me that my credit status would be reviewed without my authorization. When I left the store before reaching the exit of the complex, I received a notice that my score was lowered by XXXX points due to an inquiry, I turned and told the lady why she checked my credit and her response was that that is the policy. of the store. without even asking me if I wanted to give them authorization to check my credit
Product: Debt collection

I never ever applied for capital one credit card never had a account ever Im a victim of identity fraud dates are XXXX and XXXX in also a bank called XXXX I never in my life heard of those dates are XXXX and XXXX I have never ever applied for any of these XXXX companies before and its all over my credit trying to destroy my credit I have no idea who could of done this to me Im very upset and disappointed this is stopping me from purchasing a home for me and my children Im in should in disbelief that someone would do this to me i would appreciate if you can remove these inquiries as soon as possible so me and my children can move forward with our home process thank you
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am submitting a complaint regarding this FRAUDULENT Bankruptcies and for assistance to REMOVE them from my credit report immediately. These bankruptcies are hurting my credit score so bad. They are not mine! Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX & XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Vehicle loan or lease

When I contacted BMW Financial Services regarding the redemption process for my account, I requested the following information : 1. Detailed Explanation of Full Payout Requirement : I inquired why the redemption process required a full payout of the remaining balance instead of offering alternative options, such as installment payments, repayment plans, or partial payments, to help me resolve the delinquency and retain the vehicle.

2. Eligibility for Hardship Assistance : I asked whether BMW Financial Services had any hardship programs or alternative payment arrangements available for customers experiencing financial difficulties.

3. Redemption Amount Breakdown : I requested a clear breakdown of the redemption amount, including : Principal balance.

Accrued interest.

Late fees or penalties.

Any additional charges associated with the redemption process.

4. Timeframe for Redemption : I asked for clarification on how long I had to complete the redemption process, as I needed to explore funding options and ensure compliance with their requirements.

5. Additional Documentation : I inquired if there were any documents or steps required from my side to expedite or qualify for alternative payment options.

Efforts to Resolve the Issue : I also made multiple attempts to escalate the issue by : Speaking with a supervisor to explain my financial hardship and request flexibility with the redemption terms.

Expressing my willingness to pay through a structured repayment plan or alternative arrangement that could ensure timely payments.

Unfortunately, BMW Financial Services declined to offer any options outside of a full payout, leaving me in a difficult position despite my proactive efforts to work with them.
Product: Checking or savings account

Overdraft fees when I shouldn't have had them, closed account.
Product: Credit card

I had fraudulent activity on my Bank of America XXXX # XXXX which I described in detail through the " Tell Your Story '' portal on the CFPB website about a week ago. Possibly, BoA may have been hacked in view of the repetitive nature of the fraudulent charges. After I contacted BoA about the fraud, they closed that account and assured me that they would expedite delivery of a replacement card so that it arrived no later than this past Tuesday, XXXX XXXX 2016. However, Tuesday came and went, Wednesday came and went, and Thursday came and went, with no replacement card. This is one of several lies BoA told me. On Friday, the card arrived. It has the account number XXXX. Instructions with it said to call an XXXX number to activate it which I did. At that time, a recorded voice told me that the card was activated and ready to use. This is the second lie that BoA told me. Because the fraud department at BoA had told me to report other activity, I thought I should call it to confirm that the card was activated. I did so on Friday and was told by the representative I spoke with that the card was activated and ready to use. This is the third lie BoA told me. Today I tried to use the card for the first time and it was declined. BoA also wasted well over an hour of my time engaging in these unfair, deceptive and abusive activities, worsening them with excessive, hollow, time-consuming apologies along the way. After I spoke to the second person at BoA about this today, I asked to speak to a supervisor. I think the supervisor identified herself as " XXXX '' in Georgia. XXXX refused to rectify the problems by getting the card to work. 
On Thursday, when this card had not arrived, I called BoA to report that it had not arrived by the date certain BoA had said it would arrive by, last Tuesday. At that point, the person I talked to said she would send another, second replacement card for the original card. When the first replacement card arrived the next day, Friday, I was told twice by BoA, that it was activated and ready to use. The representative I talked to then told me that he was was going to cancel the second replacement card that I have never received. This was the fourth lie that BoA told me. Instead of cancelling the card I have not received, he cancelled the card I did receive, and then immediately told me that the XXXX I had was activated and ready to use. 
I finally hung up the phone with XXXX who refused to honor what BoA had told me previously. I 'd had enough of BoA 's lies and had had more than enough of my time wasted. I 'd told her that she could explain BoA 's prevaricating proclivities and abuse of its customers to the CFPB.
Product: Bank account or service

My savings account was opened by removing funds out of my checking account by the branch manager in XXXX XXXX which is XXXX XXXX we then began a relationahip and he was being my personal banker then several days before my closing I had trouble removing funds from my savings account in XXXX XXXX XXXX they claimed I would need a photo I.D and basically nothing else could be done to get into my savings account by another branch manager which is XXXX XXXX so I had to have someone break into my house in Il to get a pass port so I could remove my funds from my savings account my wife made a money transfer from her savings account for tens of thousands of dollars without a photo I.D from her bank without any questions then granted her bank is not as big as Chase but I have been a loyal customer for over thirty years and have been treated miserably by both bank managers who can not see right from wrong and only the rules that have been set on their regulation paper only an agenda that has been set by Chases bank that has treated me like nothing more than a common number. Therefore, I have decided to go to a smaller bank after all this is worked out.
Product: Debt collection

This afternoon I received a call from XXXX XXXX from Chaplain Financial Services. XXXX. When I asked for the company address she said it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. She said she had XXXX lender accounts that I owed money on XXXX XXXX {$510.00} loan taken out on XX/XX/2011 and XXXX XXXX {$430.00} loan taken out on XX/XX/2011. She could settle both accounts if I sent an online payment of {$570.00} today. I told her I never took out a loan from those companies. She asked if I heard of XXXX, which I have not nor have I ever taken out a loan from them. I told her I knew this was a scam and would be reporting her to the FTC. She said " do what you got ta do '' and promptly hung up the phone on me.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting

World Fin, WORLD FINANCE, WORLD FINANCE CORP. : This company has listed their company on all XXXX credit reports with the same amount multiple times. This debt has been resolved over 8 years ago in my chapter XXXX bankruptcy filing. I have called and complained to the company about removing their information off my credit reports several times and they have dont nothing about this. In fact what they have done is continue to report as if I still have an open line of credit with them as active and paid on time status. This is false. I have no active accounts with them nor I 'm I paying them. This debt was included in my bankruptcy years ago. I would like it if they can be removed it has been over 10 years and they are still reporting inaccurate and false information. This company prays on low class people who need money and they offer predatory lending and high inrest loans. The company has been extremly crafty by listing their company XXXX different ways on my credit filing. They are listed as : WORLD FIN on my XXXX and XXXX dated XX/XX/XXXX showing paid XXXX status as agreed, this is incorrect. This balance has been paid off XX/XX/XXXX. They are listed again as WORLD FINANCE showing paid XXXX as agreed on Experian report dated XX/XX/XXXX this is incorrect this was paid off XX/XX/XXXX included in chapter XXXX. They are listed again on my XXXX report as WORLD FINANCE CORP. showing paid XXXX as agreed. So as you can see they have multiple listings of the same debt listed under the same company name many different ways. Please have them remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue getting my XXXX, XXXX XXXX and Certegy credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the guidelines set by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXX XXXX Amount : $ XXXX Balance : {$300.00} ( as of XXXX days ago ) Account Status : OpenDate Opened : XX/XX/XXXX, XXXX : XXXX XXXX History : All payments made on timeThe above account information is inaccurately reported for the following reasons : Inaccurate Balance Reporting : The balance of {$300.00} is not reflecting the fact that the account has been paid in full. The account should show a XXXX balance to accurately represent the current status.Payment History : The payment history indicates that I have made XXXX XXXX of my payments on time, which supports the fact that the loan has been fully repaid. The failure to update the balance undermines the accuracy of my credit report.Given the above inaccuracies and violations of both XXXX XXXX standards and consumer protection laws, I request that you immediately update this account to reflect a XXXX balance. Enclosed are copies of my credit report with the disputed account highlighted, as well as supporting documentation showing that the balance has been paid in full.
Product: Debt collection

This is stemming from the dispute/response I received from GRC in which I filed against General Revenue Corporation : General Revenue Corporation is a collection agency not a lawyer or attorney. GRC do not operate off of FCRA laws. Since they are debt collectors the company supposed to abide by the FDPCA laws. GRC did not send me an agreement with the original client that authorizes GRC to collect on this alleged debt nor did I sign any agreement stating that if any information were mine that the original creditor can share my personal information. All collection agencies need to be licensed in the state of Ohio with the attorney general of Ohio. I have did my research and GRC is not registered with Ohio attorney general. I have also sent a cease and desist to GRC. The only person I need to discuss this fraudulent matter with is XXXX XXXX. This is a inconvenience for me. I am in the process of purchasing another home and this fraudulent information is a great concern. I will be forced to sue for damages if GRC do not remove from the credit reporting agencies. Do not send me another response through CFPB stating I need to contact GRC. Remove immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union XX/XX/XXXX about disputing an amount on a debit that was incorrect. They said they verified it and I replied XX/XX/XXXX to dispute that again. And responded yet again XX/XX/XXXX when they reverified again. I still have it on my credit and was refused credit because of it
Product: Debt collection

During Covid my Navy Federal credit card was charged off because I am a XXXX XXXX veteran and I lost income and had a hard time keeping a job so Navy Federal Charged off my Credit debt. I Requested the 1099 tax info on the charge off and sent them a certified letter requesting it and they have not sent it.
Product: Checking or savings account

In XX/XX/2023, HSBC ran a promotional referral bonus scheme for Premier account holders. The promotion meant that if I referred friends or family to HSBC and they met the qualification criteria, they could receive up to {$1000.00} and I would receive {$300.00} for every referral. A friend of mine opened a HSBC checking + savings account in XX/XX/2023 using my personal referral number that HSBC provided. Both of us maintained the qualification amounts in the checking/savings accounts. As of today, HSBC have not paid me the {$300.00} referral bonus which should've been paid up to max 8 weeks after my friend opened her account. It is now almost XXXX and despite contacting HSBC on a daily basis, no referral bonus has been paid yet. HSBC continue to tell me they'll have a response in 5 working days despite them regularly going past 5 days and then proceeding to request 5 more every time I contact them.
Product: Credit card

On XX/XX/XXXX, hard inquiry on my account from the following company : SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX a new account shows being opened SYNCBXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX This was done without my consent or knowledge