23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This is the XXXX time disputing this account. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 

Here are the inaccuracies I have identified : Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect account status Instruction : The account status is being reported as " Derogatory '' which is not correct. Please fix this or remove the entire account immediately. 

Thank you, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, i deposited a {$52000.00} check at TRUIST bank, at a branch office in XXXX XXXX, FL. 

I was informed by the teller that there would be a hold placed on the funds. But I had nothing else I could do with the check, so i deposited it, and i figured i could call the bank and discuss the hold the next day. 

In fact, there was a " partial '' release of {$5500.00} 2 days after i deposited the check. Obviously, the bank would not have released any of the funds if they had not been sure the check is good. 

But TRUIST has not released the {$46000.00} balance of the deposit. They said they would release it today, XX/XX/XXXX, but they have not. 

TRUIST should not be allowed to steal customers ' money for this long. 

thank you
Product: Credit card or prepaid card

I agreed to add XXXX XXXX to my Capital One Card and assuming all responsibility knowing that It had a credit limit of XXXX imposed on the card. I knew that as my fiduciary Capital one would not let any charges over this amount XXXX XXXX used the card to rent from XXXX and they imposed a XXXX deposit XXXX XXXX rented the car, signed for the rental, filled out the paperwork and gave all required information assuming responsibility for the car After seeing how the card was used, I took XXXX XXXX off the card and Capital One helped me change the account numbers so no other charges could be applied. This was before the back charge of XXXX was applied Obviously XXXX XXXX did not return the car as agreed and XXXX then imposed a XXXX charge several weeks later I contacted Capita one and disputed the charge due to it was XXXX over my limit and XXXX no longer had access. The account number they had were no longer valid, they had to be provided by capita one, ( which is illegal ). 

Capital one provided them with the new account number without my approval and a XXXX charge was installed on my account Interestingly enough, several months ago, I contacted Capital One about raising my limit and was declined. However after I disputed this charge, Capital one raised my card limit in order to handle the charge. Isn't that convenient, XXXX has the ability to raise my credit limit, but I do not.
Product: Vehicle loan or lease

I contacted Ally numerous times asking for clarification on what is going on with our bills and why they are never adjusting our amounts after payments. We have been late but have paid down the balance two payments in XXXX And 2 payments in XXXX We have always made payments when possible and it seems they rarely apply payments to the principal and they are not adjusting the bill correctly as we should not owe XXXX but they refuse to explain our billing or adjust accordingly also applying XXXX in late fees seems excessive and if someone is struggling to keep up with their extremely high car payments how is such a high fee supposed to help get caught up. I want my statements and account reviewed and explained because I feel very mislead and like we are being treated unfairly.
Product: Credit reporting

On XX/XX/XXXX I sent a dispute letter to Equifax regarding XXXX and XXXX. The Bureau received my dispute on XX/XX/XXXX and was verified by the US postal service. The bureau failed to respond to my dispute within 30days and they were unable to verify the collection accounts as required by the FCRA. the Fair Credit Reporting Act, 15 U.S.C. 
I asked the credit bureau to send me any documentation they had on file verifying that these accounts belong to me. I have no knowledge of these accounts. On XX/XX/XXXX, I contacted Equifax for and spoke with XXXX ID XXXX Supervisor of the dispute department. She told me that Equifax did not collect or retain documentation of the information they received to verify that the debt belong to me. The collection agencies wanted me to call to verify. These items should be removed and Equifax should be fined for reporting inaccurate information and not properly documenting account. 

Credit reporting have a duty to verify and report accurate information. These account should be deleted immediately per the letter I sent on XX/XX/XXXX. Equifax has not responded in a timely manner and can not prove that the debts are mine.
Product: Debt collection

XXXX HSTXXXX I received a voicemail stating the person was collecting a debt from XX/XX/XXXXand that after numerous attempts to reach me, unless I contact them immediately they would make a judgement against me. Because I am in the middle of a job process that includes a credit check, and I am refinancing I took it very seriously, not wanting to mess things up & immediately called them back. I left her a VM and she called me right back. I still have the VM which she left. 

After calling " XXXX '' back, she said I owed {$750.00} for a Wells Fargo credit card debt they have been trying to recover since XX/XX/XXXX ( AZ has a statute of limitations of 6 years where this supposedly originated ). They claimed to have " talked with the creditor '' while I was on hold. She came back and offered a settlement for 1/2 at {$400.00} -- which I paid via two credit cards -- XXXX  XXXX Visa, and XXXX XXXX XXXX  Visa Debit card @ {$200.00} each. When they sent me the confirmation email it came up listed as fraud in XXXX and not to click on the link. 

What really fooled me is that she had all of my addresses I've lived at, my last 4 digits of my SS #, my mothers name, address, and phone number, and my wifes name. 

I called my Attorney ( his para answered ) and she said I was scammed and chastised me for paying the fake debt. I have disputed the charges with XXXX & XXXX XXXX but they both said that I " agreed to the charge '' so would be near impossible to reverse. 

The phone number XXXX name under " XXXX ''. They now won't call me back.
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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are all fraudulent and do not belong to me : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX. I been receiving phone calls at my home and employer of profane and vulgar language, abuse, legal action, job loss, jail, prison, threats of violence and death from the above creditors debt collection representatives. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law.
Product: Debt collection

My credit was stolen several years ago.  ( Around four to five ye ars ago ).   I was inform by IRS when I was going to do my taxes. To this date I still have give a pin number to do my taxes.   I do not know what this debt is about my husband & I are retire & are upset & & worried about this. I just found out today when I check m y credit score.    All I know that is fro m Ge Money B ank  XXXX . The amount is apro x  XXXX ..
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized inquiries from XXXX XXXXXXXX XXXX on XXXX, as well as XXXX XXXXXXXX XXXX XXXXXXXX on XXXX these UNAUTHORIZED inquiries has affected my credit profile and is affecting me from using my credit. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy these inquiries needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion case # XXXX & XXXX Credit card for XXXX store. THIS case is against both of them as a ) this issue never became one and b ) Transunion ruined my credit score downward my -10 points for something not my fault. 

In either XXXX or XXXX of XX/XX/XXXXI made a purchase with a brand new, just that day, XXXX card. The total ended just under {$18.00}. I 'd just moved to this city in XXXX, MN XXXX so it was first shop at this store. 
A few months later during the move it occurred to me I 'd not RECIEVED any mail from XXXX and oh my gosh! I 've not paid my bill! 
I quickly called, explained why I was late the few months, paid it in full and THAT WAS IT. CARD PAID OFF. 
So explain to me why I 'm being sent to collections and I have numerous days on my account that I 'm past due? I called and paid it!!!! 
Plus I called in XX/XX/XXXX as I saw action on this closed account and I thought I was being used by identity theft!!! I called immediately and was about to call anyone I could but thankfully I had someone from XXXX on the line saying all was fine. 
FINE??? WHY IS MY CARD STILL SITTING IN ACTION BUT NOT BEING " USED ''? 
WHAT IS XXXX DOING TO ME? 
I beg you to please help as I do n't trust whatever is going on. 
THANK you kindly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX Account # : XXXX Date opened ( XX/XX/18 ) 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additionalclarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty daysbefore the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies such as XXXX data breach which personal information was exposed & consumers was not afforded the rights given by FCRA act
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple disputes to correct incorrect, inaccurate, Missing information on my credit reports. I have vocally contacted the creditor and the creditor would not correct the problem and blamed the credit reporting agency. I have contacted the credit reporting agency they have said that the creditor has verified the information and there is nothing they can do. The creditor is XXXX XXXXXXXX XXXX The Account Number is XXXX. The information that is incorrect on this account was that it was discharged through bankruptcy. This loan was reaffirmed and paid on time and in full. The reports show this account as a Negative The Payment History is inaccurate and shows the last payment in XXXX of XXXX I retrieved the loan history from the loan department of XXXX XXXXXXXX XXXX. This history shows the loan paid in full and on time. The loan history shows payments from XXXX XXXX to XXXX XXXX. I will also include the account from XXXX which shows the Terms as XXXX, Monthly payment- Not reported, High Balance- Not reported, and Recent Balance- Not reported. I will attach a copy of the loan history and a account copy from XXXX. The other credit reporting agencies such as XXXX, XXXX, and Lexisnexis have the same account from XXXX XXXX XXXX. I have been told not to file any more disputes.
Product: Credit reporting or other personal consumer reports

THIS PRESENTS A SERIOUS PRIVACY CONCERN PERMISION WAS NEVER GIVEN I am writing to bring to your attention discrepancies in my credit report that I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. Upon reviewing my credit report, I have identified instances that appear to be in contravention of the following FCRA sections : 1. 15 U.S.C. 1681, Section 602 : This section emphasizes my right to privacy and ensures that the information reported accurately reflects my credit history. 2. 15 U.S.C. 1681, Section 604a, Section 2 : According to this section, a consumer reporting agency can not furnish an account without my explicit written instructions. 3. 15 U.S.C. 1666b : This section stipulates that a creditor may not treat a payment on a credit card account as late for any purpose. Given the violations outlined above, I hereby request a thorough investigation into the inaccurate information reported in my credit file. I urge you to take immediate action to correct these discrepancies, as they adversely impact my credit standing and infringe upon my rights under the FCRA. *** I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** The following accounts are in violation : and have no permission to report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2020 a sale of three Tahitian pearl necklaces was made by my online shop. This amounted to approximately {$2800.00}. Some of the funds were withdrawn by me leaving a total of {$220000.00} in the Paypal account. 

Suddenly the balance was frozen for 180 days by Paypal. A telephone call to their customer service on about XXXX XXXX resulted in a rude and abrupt lady telling me that Paypal was parting ways with me. I was given no reasonable explanation why the account was limited or the funds frozen other than to infer that I was busy with fraudulent activity. The rude person refused to give me more details. 

I submitted all the details/documents they requested from then on. My appeals were refused, On XXXX XX/XX/2020 the 180 frozen days expired. I was requested by Paypal to submit all my personal details/documents again. I did. I have the XXXX XXXX XXXX XXXX ID Document. It is perfectly legal and valid in XXXX XXXX as is the new XXXX XXXXXXXX which is now being issued. But Paypal is not accepting my ID Document. So my funds are not being released.They send computer generated emails which offer no explanation as to why my ID document is not being accepted or any solution to the problem. 

This matter is most frustrating and I'm sure not in line with any financial practice.
Product: Money transfer, virtual currency, or money service

My account is restricted, I can't withdraw my money, they don't have information on why, or what to do to my account to function again. They have a really bad customer service, and there is no answer to my question in faq.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX in the amount of {$450.00} dated XX/XX/2018. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Product: Debt collection

I had a hospital bill and insurance wasnt correctly applied. I called before it ever got sent to a debt collector and the lady told me that after she added the insurance everything was good. Now I am getting calls from debt collector so Im guessing she didnt do what she told me she did.
Product: Debt collection

I WENT PERSONALLY IN TO THE US BANK IN XXXX OREGON. I SPOKE WITH THE BANK MANAGER 13 1/2 YEARS AGO AT THAT TIME WE SAT DOWN WENT THROUGH THE PAPER WORK AND IT WAS RESOLVED BY THE MANAGER AT THAT TIME. I HAVE NOT KEPT THE PAPER WORK ON MY END BECAUSE ITS BEEN OSO LONG I DIDNT FEEL I NEEDED TO HANG ONTO THE PAPERS FOR THIS LONG OF TIME. THE AMOUNT WAS AROUND $ XXXX-XXXX DOLLARS AND NOW THIS COLLECTION AGENCY WANTS OVER {$3000.00}. THE ACCOUNT WAS OPENED IN XX/XX/XXXX CLOSED IN XX/XX/XXXX ACCORDING TO THE COLLECTION AGENCY. I HAVE NEVER RECIEVED ANY TYPE OF NOTIFICATION OF THIS DEBT UNTIL XX/XX/XXXX AND HAVE BEEN THREATED TO BE SUED FOR THE MONEY. mY BANKRUPTCY LAWYERS WERENT AWARE OF THIS DEBT.
Product: Bank account or service

I have several bank accounts at Huntington bank. I have an IRA that I am trying to transfer money from and put into my checking. I recently moved and there is no Huntington bank where I am and the bank is refusing to give me my money without me being present. They refuse to send me the form that I can sign and have notarized and sent back. I really need my funds and the bank will not release them to me. I have tried calling the bank 3 times and the bank employees keep hanging up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When shopping for a car you have XXXX and only get hit with one hard inquiries if you have multiple hard inquiries within a XXXX period it should count as just one hard inquiry. i got hit twice in XXXX XXXX  XX/XX/XXXX and XXXX XXXX thats XXXX days apart that should not have hit me with hard inquiries multiple times. the companies are 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
Product: Debt collection

On XX/XX/2023, MRSBPO emailed me about an alleged debt in the amount of {$780.00}. I emailed the company back requesting verification and documents under XXXX XXXX. I ask them not to contact me again by email, just by mail. On XX/XX/2023, MRSBPO emailed me again without any verification or any documents I requested triggering a violation of the FDCPA. On XX/XX/XXXX MRSBPO contacted me by phone and I requested them not to contact me again by phone triggering another violation. I also told them not to share my information with any other company. On XX/XX/2023, I received another email about the alleged debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Has violated my rights. 
Account # XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse item of information, other than records of convictions of crimes which antedates th 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 age person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX Has violated my rights Acount # XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse item of information, other than records of convictions of crimes which antedates th 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 age person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX Has XXXX my rights Account # XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse item of information, other than records of convictions of crimes which antedates th 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 age person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX XXXX Has violated my rights Account # XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse item of information, other than records of convictions of crimes which antedates th 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 age person knows or has reasonable cause to believe that the information is inaccurate