23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a CitiGold account on XXXX XXXX with an account bonus of XXXX XXXX miles with promo code XXXX. 

In order to be eligible for the bonus, you needed to make least one bill payment for two consecutive months within 60 days of opening your account and make XXXX in debit card purchase. I completed the requirements within 60 days and confirmed multiple times with online reps and through secure messages that I was eligible for the bonus. However, at the time of actually paying out the bonus, Citi said I was not targeted for the promotion. There was no language in the promotion that said anything about being targeted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX I did not apply for any credit card through Chase bank. In XXXX, I noticed an account activity on my credit score for a balance that I do not owe. 
I have never had to apply for a Chase Bank credit Account. I only have a joint checking account with chase bank ( opened in XX/XX/XXXX ), not a credit card.
Product: Credit card or prepaid card

on XX/XX/XXXX I have purchased a vacation starting XXXX from priceline using credit card : Chase Slate credit card # XXXX XXXX XXXX XXXX. This vacation was for 2 people ( me and my wife ) and cost was {$1800.00}. 
On XX/XX/XXXX my wife was admitted into emergency room of local ( XXXX XXXX, XXXX ) hospital and underwent a XXXX ( XXXX XXXX ) on XX/XX/XXXX. The recovery from XXXX was estimated to be XXXX week long. On XXXX XXXX we have contacted XXXX about XXXX the vacation. XXXX refused any negotiating.. I have called Chase on XX/XX/XXXX and tried to dispute the charge. Chase agreed to investigate and removed the charges. However on XX/XX/XXXX charges were reinstated. I have received Chase letter that charges are valid!! We have given an advance warning to XXXX and circumstances were out of our control!! We did not have taken that vacation.
Product: Credit reporting or other personal consumer reports

Subject : Complaint for Removal of Inaccurately Reported Foreclosure Redeemed Account - XXXX XXXX Dear CFPB, I am writing to submit a complaint against the inaccurate reporting of a foreclosed but redeemed mortgage account by XXXX XXXX on my credit files with Experian and XXXX. Despite the foreclosure being redeemed, the account continues to be reported with inaccuracies, affecting my creditworthiness. 

Account Details : Account Number : XXXX Account Type : XXXX XXXXXXXX XXXX Mortgage Credit Reporting Agencies Affected : XXXX XXXX Experian Inaccuracies and Issues : Inconsistent Date Opened : XXXX XXXX Reports XX/XX/XXXX Experian : Reports XX/XX/XXXX Erroneous Account Status : XXXX Status : Late 120 Days Experian Status : Foreclosure Both statuses fail to reflect the redemption of the foreclosure.

Misleading Comments and Information : Comments refer to the foreclosure being started but do not adequately address its redemption, causing undue derogatory status to linger. 
Discrepancies in " Date Last Active '' : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605 [ 15 U.S.C. 1681c ] : Imposes rules on reporting obsolete information and mandates that all information be complete and accurate.

FCRA Section 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies to investigate disputes regarding accuracy within 30 days.

FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Obligates furnishers of credit information to ensure the accuracy and integrity of the information supplied to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error on my consumer report furnished by XXXX XXXX. My consumer report has a fraudulent late payment being reported on account # XXXX, which is causing me damage as a consumer and limiting my ability to extend credit. XXXX XXXX Bank card is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. I have made them aware of this error well over a month ago and they are choosing to break the law. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information. Congress has stated there shouldnt be any late payments? XXXX XXXX and the CRA 's ( Experian, XXXX, and XXXX ) are attempting to harass me and violate my right as a consumer purposely. I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m. Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX been accepting? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me. I demand the error in question to be changed to paid as agreed to reflect 100 percent payment history. 

once again this late payment is in regards to : XXXX XXXX Account # XXXX Date : XXXX of XXXX
Product: Checking or savings account

I have filed several complaints with CFPB on Wells Fargo and The CFPB has failed to adequately address my concerns and complaints and continue to disregard my complaints when WELLS FARGO give them a fraudulent response. I have contacted WELLS FARGO several times asking for authenticated documents, recording or any evidence that they may have to prove that the transaction from @ draftking was authorized by me, they told me that I would receive these documents within XXXX to 40 days, well its only been a week and on today XX/XX/2023 I receive the following documents ( see documents attached ) they have failed to provide the required documents/evidence showing how they came to verify that these transaction were indeed valid where I have provided more than adequate evidence proving that these transaction were never authorized nor did I have knowledge or give @ draftking consent to withdrawn funds from my account. Now I see why WELLS FARGO is being sued for unlawful business practices, and its government agencies like the CFPB that is turning a XXXX eye to the fraud and failing to help we the people.
Product: Debt collection

sending a copy of a check is not verifying the i did it. It only mean that the check was wrote off my old account with all my information on it. Please tell me how can that verify that i wrote the check or i had knowledge of it being done. Please remove this off my credit because the way you 're trying to collect is unfair nobody asked you the approve that check yes i researched this company. Please tell me how can you prove that i wrote that check or i had knowledge of it or even say its been verified by just looking at it ... send me a copy of your license show you can do business in this State ... .if we go to small claims court you will have to prove without a doubt that you know i wrote that check or i had knowledge of it ... how can you prove that from  XXXX   XXXX  IL PLEASE SEND THE PAPERWORK THAT YOU USE TO VERIFY THIS DEBT AS BEING MINE BESIDE A CHECK THAT ANYBODY COULD HAVE USED OR EVEN FOUND
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> Capital One XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent : Cease and Desist Verification of Charge-Off Dear Sir/Madam, I am writing to formally demand the immediate cessation of your ongoing verification process for the charge-off account related to account ending in XXXX, XXXX Despite my previous communications, Capital One continues to improperly verify this charge-off, and I find your actions both inappropriate and unjustified. 
Let me make it crystal clear : I have fulfilled my obligations regarding this debt or have already taken all necessary actions to resolve the issue. Continuing to verify or pursue this charge-off without valid reason is not only a violation of my rights but also a deliberate attempt to harass me and hinder my ability to manage my finances. 
If this issue is not immediately addressed and rectified, I will take all available legal actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state authorities. Should you continue this unfounded verification process, I will not hesitate to pursue further legal action for any damages this may cause. 
Consider this letter a final warning to resolve the matter swiftly and without further delay. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXXXXXX Balance Owed : {$250.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Debt collection

On XX/XX/year>, I attempted to dispute the apartment debt on my credit, along with an electricity bill. Whenever both of those items were initially issued, I was a minor and my identity had been stolen by my mother. Therefore, for the dispute, I sent in my Fraud Complaint Report, birth certificate, social and my government issued ID through XXXX. 


The electricity bill was no longer reflected on my credit however, the apartment itself was. They stated that the debt was deemed accurate. 

This would result me in calling the company directly and they have been giving me the run around for two weeks. I have even sent in my documentation again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports. The FCRA aims to ensure the accuracy, fairness, and privacy of consumer information. 

The closure of my student loan accounts and reopening caused decrease in my credit score everytime the forgiveness plan was implemented and overturned. I also suffered issues regarding the time of credit that was altered due to the closing of the original account. That also had a negative effect on my credit worthiness. I did not apply for forgiveness and it was automatic and it affected my credit score negatively. Currently I have over 10 student loan accounts listed as closed on my credit report and they are causing a negative affect on my credit worthiness. Because credit scoring models tend to favor active accounts, once a student loan account is paid and closed, you may see a drop in your credit score, due to the resulting decrease in average age of your active credit accounts. However, this drop is typically temporary is what the dept of education said and it has not returned those accounts active.
Product: Credit reporting

My student loans have been forgiven XXXX and the creditor XXXX responded to the dispute telling the agency to delete the accounts from my report. I have called Transunion and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to each creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dose not take off identity theft. I send them driver license, police report, identity theft report. Left off confession of the theft. Along with 2 utilities bills to prove my identity along with the theft. XXXX XXXX XXXX posed as me to open credit cards, banking accounts, auto loans, Florida unemployment, other accounts unknown what they are. On my Experian credit report it shows identity theft. Account name XXXX XXXX  XXXX   credit card. Account number XXXX. {$500.00} over the limit XXXX. XXXX XXXX XXXX XXXX auto loan. Amount {$17000.00}. 2 accounts from XXXX  XXXX XXXX XXXX Account number XXXX amounts {$340.00}. The other account from the same company is XXXX. Amount {$650.00}.
Product: Credit reporting or other personal consumer reports

My information has been included in both the Equifax data breach and XXXX 's. In the midst of this, my information was stolen and has apparently been used in many attempts by someone trying to open an accounts.
Product: Checking or savings account

On Saturday, XX/XX/XXXX at XXXX pm, I trustly went to Chase Bank on XXXX XXXX in the XXXX to deposit {$3000.00} ( XXXX x {$100.00} bills ) into an Atm machine. I entered required information, indicated that I had a cash deposit, entered said bills as instructed and awaited for confirmation. The machine counts the money, screen pops up an out of service message on screen and produces an receipt without confimrning my deposit. Being that it was Saturday night and customer service wasnt available, I checked a saw that I could call the next morning. On Sunday, XX/XX/XXXX appox XXXX am, I called customer service and was forwarded to the claims department. I told them what happened and gave all the information that was on my receipt ( sequence number and terminal number ). I was told that my account would be credit Monday, if not Tuesday. On Monday, XX/XX/XXXX, I called to confirm that my funds will be dsposited being that I didnt see it. I was told to check by end of day. If not, it should be there Tuesday. Today, Tuesday XX/XX/2022, theres nothing in my account. I went to the closest branch to speak to someone in person in regards to my funds. To my knowledge from my past employment with CHASE that the branch reconciles the ATMs. I wasnt sure if the claims department waits until the branch informs them of an overage or they give them the heads up. The reps at the branch informed me the research department is looking into the matter and it will take 10 business days or more. It was escalated on XX/XX/2022. I was NEVER informed. I understand them taking one business day to reconcile the ATM not TEN DAYS. Since Saturday, I was informed that I would receive my cash deposit by Tuesday ( today ) the latest. After speaking with someone over the phone from the research team, I wasnt giving any reasoning as to why my funds are being held. No explanation as to why I wasnt informed of any escalation. It feels like I handed my money to an unknown thief that Ive trusted for over 20 years. Are others having issues with this branch and others fund being taken/held with no speedy recourse? Is was told that XXXX is a large deposit! Arent they are business bankers??? XXXX in NY is rent. XXXX is a descent trip. XXXX is a deposit for funeral proceedings.It doesnt take 10 business days to research cash that it supposes to go into a secure place.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$XXXX} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally submitting a complaint to state that SunTrust Bank 's failure to capture my last payment of {$1500.00} in bank error is causing me financial constraint. The payment which was sent was to payoff and clear the remaining balance on my auto loan ( with a total loan value {$51000.00} ) was properly submitted by me on XX/XX/XXXX It is on record that I successfully paid SunTrust {$25000.00} on XX/XX/XXXX, to which the payment cleared, and made another payment of {$25000.00} on XX/XX/XXXX, to which the payment cleared, as it was my intention to aggressively paying off the loan. The teller who took the last payment of {$1500.00} on the XX/XX/XXXX made a mistake which resulted in in a bank processing error. The last payment was made and processed in the amount of {$1500.00}. As a result SunTrust released the title of the vehicle, and released themselves as a Lienholder meaning the car was paid in full. ( I currently have title on hand ) On XX/XX/XXXX, during the process of my home purchase, through the process of credit check, I was notified that SunTrust had incorrectly reported a 60 day late/derogatory mark on my credit reports with an outstanding balance of {$1500.00}. On XX/XX/XXXX, I called for an explanation from the bank, to my surprise, a past due balance existed which should have been applied to the account. I even agreed to pay the balance to help rectify the error to which they said they would correct. It is clear, that by the title being released and lien being released. The information was correctly processed by me. 

I spoke to XXXX. XXXX XXXX, XXXX XXXX and including XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Branch. I was transferred to different agents and that did not assist me in getting this unfair error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 60-day late payment to my credit files with XXXX, XXXX and XXXX. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

Kindly, under the Fair Credit Reporting act, verify and correct the reporting of the SunTrust account listed on my credit report. Please resolve this error by removing the 60-day late payments from my credit report as well as update the account into the correct status of positive payment history and notify me of the correction
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 
1
Product: Checking or savings account

Dear Sir/Madam, Subject : Formal Complaint Regarding Frozen Bank Account at PNC Bank I am writing to lodge a formal complaint regarding an issue with my account at PNC Bank . My 3 accounts XXXX XXXX XXXX XXXX XXXX have been frozen without a clear explanation, leaving me unable to access my funds. This situation has caused significant financial distress and inconvenience. Please find below the details of my situation : 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 2. Incident Description : My account was frozen on XXXX XXXX, 2023. I was not provided with any prior notification or a specific reason for this action. 

3. Attempts to Resolve with the Bank : Following the discovery of the freeze, I visited my local PNC Bank branch on the XXXX to inquire about the issue. The staff provided only my account statements and transaction history, without any clear explanation for the freeze or guidance on resolving it. They informed me that they are unsure about the duration of these processes, and the only thing I can do is wait for an update. 

4. Personal Impact : The inability to access my funds has hindered my ability to conduct daily transactions and address urgent financial obligations, causing undue hardship. 
I understand that banks may need to freeze accounts for various reasons, including fraud prevention. However, I believe as a responsible account holder, I am entitled to transparent information and fair treatment regarding my financial status. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.