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

To whom this may concern, I've already tried to fix this problem with this company and it seems as they never did a good complete investigation on my credit report. 
Here are the items that are hurting my credit report because of the company reporting the wrong information. 

I asked for these accounts to be verified to ensure accuracy which they did not do a good investigation on my accounts because they still reporting inaccurate information. I sent out a letter on XX/XX/21. 

These accounts are highly inaccurate that they want fixed and I want them deleted off my credit report : This account has no credit limit reporting and reporting the date of last payment wrong which is extending my statute of limitation and I want it to be deleted from my credit report for reporting inaccurate information. 
XXXX XXXX Account number- XXXX This account is reporting no credit limit and reporting the date of last activity and also extending the statute of limitation and I want it deleted from my credit report. 
XXXX XXXX  Account number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
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 

The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 a : states I have the right to privacy. 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I had an account with XXXX for auto insurance that had been raised in premium in months prior. The payment was out of my budget at the time and therefore I began searching for a new Auto Insurance carrier. I obtained a new carrier in XX/XX/XXXX. I then alerted XXXX and asked for them to cancel my policy. The agent stated that they needed the new company to provide them with the new insurance information to cancel. My new carrier gladly sent the proof of insurance over for them to comply. I then spoke to an agent again whom at that time stated that the policy had been canceled by me, and that there was no payment or outstanding balance due. At that time, I believed this matter was resolved and there would be no future issue with any of this. 

Fast forward to XXXX of XXXX. I have since gotten a better paying position, and had began to look at my credit in hopes of purchasing a home this year. There I found a collection from XXXX, on the above said account. I have attempted to have this corrected through XXXX and through the credit bureaus with no relief. I also have an email issued form XXXX stating a {$0.00} balance. When trying to present this to XXXX or any of the credit bureaus, I have been told that they are refusing to honor their own communications to me stating that I have a {$0.00} balance with their company. This entire situation has been beyond frustrating.
Product: Credit card

I received a letter dated XXXX from JP Morgan Chase, XXXX. 
XXXX XXXX XXXX XXXX DE XXXX They thanked me for applying for a new CHASE XXXX XXXX XXXX credit card account. 
They then requested various documents such as drivers license, passport or even a birth certificate to prove my identity. 

I didn't apply for this. Someone is fraudulently using my name! 

Help!
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. The letters are stated with items and issues.
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: Credit reporting or other personal consumer reports

I disputed inaccurate late payments and unauthorized hard inquiries with [ Experian/Equifax/TransUnion ] XXXX They failed to verify or remove them within 30 days, violating FCRA 611. I request immediate correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing inaccurate information on credit report
Product: Credit card

I've been using my {$100.00} Amazon credit card through Syncrony Bank and paying it off in full every month. I went to use it today and it was declined, when I went to my account page I found out they'd closed my account, with no warning and no reason given. It's completely inappropriate since I've been paying it off in full every single month, and they gave me no communication whatsoever about the closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Equifax has ( 2- XXXX XXXX accounts ) reporting. The late payments are 60 days late XXXX  XXXX, 90 days late XXXX  XXXX 120 days late XX/XX/2020. The balance on Equifax is incorrect ( {$320000.00} ) The monthly payment is incorrect at ( {$2800.00} ). The Correct amount is ( {$3000.00} monthly ). And the Correct Balance is ( {$300000.00} ). *Equifax also has ( 23 ) late payments between ( 4 ) XXXX XXXX XXXX XXXX Accounts that need to be deleted and updated to paid on time. According to : *15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction } - According to : *15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - { Late payments are a transaction }-
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the credit bureaus on    XXXX   XXXX    requesting proper documentation for the things that have been reported. I did not receive a response, on    XXXX   XXXX   I c alled all three bureaus they stated they would provide proper documentation within 30 days and I have received nothing.  <P/>  XXXX   - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus
Product: Checking or savings account

I am a victim of identity theft and I have never applied for or opened any checking, savings or credit card account with Truist Bank because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with this company by the name of XXXX XXXX with the credit bureaus ( XXXX, AND EXPERIAN ) and which all of them were deemed as verified, and in my disputes, I have asked them multiple times to provide me with original documentation with original signatures that the debt is owed by me. The Credit Bureau have been unable to provide this information every single time, but still deeming this account as verified come back as verified this leaves me, without providing me the proper documentation I have asked for which is the law. This makes me believe the investigation was improper and incomplete.
Product: Mortgage

My mortgage servicer, Mr. Cooper, is supposed to pay my property taxes out of my escrow account. They sent my XX/XX/XXXX and XX/XX/XXXX tax payments ( {$1500.00} each time ) to an incorrect parcel number in XXXX County, California. 

I spoke with my county who advised me to have Mr. Cooper contact them and simply request a transfer of the tax monies from the " wrong '' account to my account. I communicated this to Mr. Cooper in a letter dated XX/XX/XXXX. 

Rather than having the tax payments transferred, Mr. Cooper levied a new charge of {$3000.00} against my escrow account on XX/XX/XXXX to pay the " missing '' tax payments. 
As a result, I received an escrow statement showing my escrow account had a shortage of {$3000.00} and my monthly payment will increase by $ XXXX/month for 12 months starting in XXXX of XXXX (? because of a {$1400.00} shortage? ). 

1 - I sent my First Notice Of Error letter to Mr Cooper on XX/XX/XXXX. 
2 - No indication in any Mr. Cooper paperwork that I am due a refund in order to make my escrow account whole and as it was before their errors. 
3 - Only acknowledgement and response from Mr. Cooper so far is XX/XX/XXXX acknowledgement of original letter stating that I would receive a response from them by XX/XX/XXXX. XX/XX/XXXX response letter stated I would receive a response by XXXX XXXX.
Product: Prepaid card

I possess a Sun Trust Visa Prepaid Gift Card in the amount of {$120.00}. I have never activated or used this card. The Card does not expire until XXXX2019. I should have a balance of {$120.00} on the card as it has never been activated or used by myself. However, SunTrust Bank has taken {$100.00} in fees for from the card before I have even used it. There is now a {$25.00} balance on the card due to fees that were taken without my knowledge or authorization. I am very upset and perplexed and I feel that this is immoral, unethical and theft of services on behalf of SunTrust Visa. I never entered into or signed any legal contracts agreeing to the terms and conditions of this card. I was not aware that funds would be withdrawn from the card by the bank until I checked the Balance on the card. The Bank was paid in full by the purchaser of this card and now they are taking the funds back for absolutely no reason. The Bank received the amount of {$120.00} from the purchaser and they are taking the money that they have already been paid. I find this to be a travesty and illegal. So now the Bank is making {$240.00} from a card that is worth {$120.00}. How can they sell the card and then take the money back. The card does not expire until the year 2019. I have never activated nor used the card. So why have the fees been taken? This is a travesty and unethical for the Bank to take Fees on a Card that was Paid for. I should not be penalized for this. I have tried to speak with a Supervisor who claims there is nothing he can do for me so I am filling this complaint. It is with great hope that Justice will prevail in my favor and that the funds will be reimbursed to me.
Product: Credit reporting or other personal consumer reports

Yes between XX/XX/XXXX through XX/XX/XXXX Equifax reported a medical debt on my credit report from XX/XX/XXXX in the amount of {$420.00}. This information is not accurate I never seek medical attention from WI XXXX XXXX XXXX before. 
This information is not mine I believe this was a cause of identity theft last year around XX/XX/XXXX I lost my wallet ID & XXXX Bankcards I file a police report XX/XX/XXXX that my identity was stolen. I have a copy of the police report of identity theft.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$25000.00} XXXX  XXXX Balance : {$4400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$980.00}
Product: Debt collection

This company submitted infomation abbout a medical debt on to my credit reports and I did not give any one persmission to disclosure any or all parts of my medical information. 

RMP SERVICES LLC
Product: Checking or savings account

For the 3rd time my bank is withholding my paycheck entirely. The only reason they give me is that they are holding it because they are allowed to do so for 14 days. Last time I went into the bank and they told me it was unusual activity because the check was issued from a new source. I have worked at the same company for over a year and the amounts of the check are the same. 

This only happens when I use their ATM. I went into the bank to deposit my check and the check was cleared immediately. When I contact bank of America they say there is nothing they can do, although last time this happened someone released the funds immediately. 

They refuse to offer any more information, and because the entirety of the check is withheld for 10 days, not up to 10 days, but 10 days, it has caused payments on my account to bounce resulting in additional fees. 

I have proof the check has cleared the business bank but they don't care. They are still withholding all of my funds until XX/XX/XXXX, regardless of whether it has posted or not. 

This is some sort of technical error with their atms, as this doesn't happen on the mobile app or at a branch when I deposit the exact same check for the exact same amount. 
They are refusing to return my money, and refusing to allow stop payment from the other side, as the check has already cleared. This hasn't happened with anyone else that received a check from our employer and all funds have cleared. 

I spoke to XXXX XXXX who issued the check and they said the check has cleared and they personally are not preventing bank of america from clearing the check. I spoke to others online, and this seems to be an ongoing issue. I believe they are doing this in order to tack on fees, as it causes checks and auto deposited items to bounce, including my rent payment.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

To Whom it May Concern : On XX/XX/2022, a transfer from XXXX, my previous Public Student Loan Forgiveness, PSLF, Federal Loan provider, was initiated to my new PSLF, Federal Loan provider, MOHELA. I was not consulted about this transfer, and I have learned that this transfer has impact my credit score in a negative way. On XX/XX/2022, this transfer was complete. 

Thank you for your time and consideration.
Product: Bank account or service

Chase closed down by business account and reduced my credit line almost to zero a few years ago. The notice was fairly short and had no explanation on why they wanted to end our relationship. The branch manager at the time told me he could n't find out why I was closed. My business was doing fairly well at the time and the abrupt closure cost me a few XXXX for changing banks. I recently tried to apply to a Chase XXXX Rewards Card and the credit analyst told me he could n't proceed because I have a " Negative/derogatory previous relationship with Chase ''. While surfing the internet, I read that this is a type of blacklisting that occurs in Chase. Not sure why my business relationship has anything to do with my personal credit card relationships. I also have a mortgage with Chase that 's in good standing for over 11 years. I would like to be removed from this black list as this does n't seem like a legitimate business tactic. Thank you
Product: Bank account or service

I have had to contact bank of America probably 10+ times now and no one there seems to be able to fix my problem. I should have been awarded a {$100.00} checking account bonus over 2 months ago and I have already been told I have met all the requirements. 
The next months monthly fee is going to take place on XX/XX/XXXX and I will not pay this so please give me the {$100.00} so I can close my account. Such a frustrating experience.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went into the nearby Wells Fargo on XXXX XXXX in XXXX to get a cashier 's check to buy a car. The amount of the check was {$52000.00}. The car was located in XXXX XXXX and I flew up there ( one way ticket ) on XX/XX/XXXX. When I arrived the car dealer told me that they couldn't accept the check because my check wasn't signed by Wells Fargo. I spent 5 hours on the phone that day with customer service at Wells Fargo and they told me that the choices I had were XXXX XXXX XXXX hours to the nearest branch ( XXXX ) or fly home and get my local branch to sign it. I elevated my call to a complaint department. I also spent 2 hours calling the XXXX XXXX Wells Fargo branch and nobody answered. It was because they were short staffed. So I was left in XXXX XXXX, with no place to stay, no car and no way to address the problem that Wells Fargo caused by not signing the check. I got a hotel room in the nearest town ( XXXXXXXX XXXX ) and in the evening I called my XXXX banker and they prepared to wire the money to the car dealer the next day using a margin loan. The cost for the wire and margin interest was {$35.00} and {$230.00}. The wire finally hit the dealer account on XX/XX/XXXX and I left the dealer on XX/XX/XXXX around XXXX XXXX. I drove as far as I could and ended up staying in XXXXXXXX XXXX so I could get some sleep and finish my drive the next day. I went into the Wells Fargo branch as soon as I could ( the following Tuesday morning ) and I gave them back the cashier 's check and they credited my account. I then transferred the money from my Wells Fargo account to my XXXX account to repay the margin loan. The process took a few days and completed on XX/XX/XXXX and the amount that was transferred back to XXXX was {$54000.00} to cover the wire transfer fees and I since I didn't know what my final interest amount would be I covered that in my XXXX account separately rather than my Wells Fargo account. I filed a request with the branch manager ( XXXX XXXX XXXX at the XXXX XXXX Wells Fargo to be reimbursed for all of my expenses I took on to remedy the problem they created by not signing my cashier 's check. Simultaneously I received an email from the Wells Fargo resolution team from XXXX XXXX ( Phone XXXXXXXX XXXX XXXXXXXX ) and her contact info she sent me was incorrect. I never heard back from XXXX or from XXXX so I contacted XXXX today and resubmitted my total expenses to be reimbursed for their mistake and informed her that XXXX told me he would submit the request and that it was internal decision on whether it would be his branch reimbursing me or a different department but that either way I would be reimbursed. Since it has been 3 weeks since this happened and over 2 weeks since I requested being reimbursed I am submitting my complaint here because it appears nobody at Wells Fargo is owning this problem.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017 I initiated an international wire transfer in amount of exactly XXXX USD from my banking institution, " TD Bank '', to a recipient institution, called " XXXX XXXX XXXX XXXX '', located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, whose SWIFT # XXXX, beneficiary account # XXXX. Transfer took place from my TD Simple Savings account. I found out that my wire transfer has not been received by the recipient institution, however, my banking institution does not refund me money. TD Bank started the investigation, but there is still no result after more than one month. I want TD Bank to refund me my {$5000.00} and any fees associated with a transfer because the recipient did not received these funds. It should not take that long for TD Bank to confirm that my funds were never received, thus such funds should already been credited back to my account. I am asking your governmental agency to compel TD Bank refund me {$5000.00} PLUS bank FEES associated with this wire transfer, since the service was not provided. Otherwise, I will definitely sue TD Bank for {$5000.00}, plus fees and expenses associated with the litigation and I will never again have any business with this bank. I thank you very much for your assistance.
Product: Payday loan, title loan, or personal loan

They approved me for a XXXX loan with a 665.17 % interest. Illinois has a 36 % cap on interest.
Product: Checking or savings account

I was supposed to have XXXX dollars of my XXXX check deposited into my capital one account on XX/XX/scrub>/25 never received it called on XXXX/XXXX/25 they said by end of day it is now XX/XX/scrub>/25 and still no money in my account