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

I hardly file disputes. Ive been with my bank for 10+years and only had about maybe 2 disputes. 

I got my hair done on XX/XX/XXXX. I was not satisfied with the style as the lace started to come apart and lift up on the same day of getting my hair done. I contacted the stylist the same say as getting my hair done. The hair stylist responded and stated she could fix my hair the next day at XXXX. I informed the stylist that was too late but the stylist insisted that was the only openings she had to fix my hair. I went the next day at XXXX attempt to get the style fixed. Once again, once home the lace came up and lifted. I contacted the stylist again this time asking for compensation. The stylist stated she will not provide any compensation. I filed an dispute with my bank and was told it would take 60 days for a resolution. I call my bank on XX/XX/XXXX to get the status of my dispute. I was told my dispute was denied. I am not understanding this as like I stated I'm not a person that continuously files disputes. I was told by the hairstylist this hair style was supposed to last at least 2 weeks. The style did not last three days. I sent pictures to the bank of the style and it was clear the style was not sufficient for the amount I paid. I was unable to even wear the style. I would compensation and not have file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Experian, I have contacted you via phone and certified mail numerous times in regard to this issue that has remained unresolved. There are two inaccurate late payments reflecting on my Equifax credit report : 1 : XXXX XXXX Account # : Ending in XXXX Date : XX/XX/XXXX 2. XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX I have provided you with documents from both XXXX XXXX as well as XXXX XXXX XXXX and the errors continue to remain reporting inaccurately on my Credit Report. I have sent these exact documents to XXXX  and XXXX and they were able to update my file almost immediately. As I am aware that you have full access to my credit file, you will see that I have never made a payment late ever in my life. My credit is extremely important to me and I make it a point to ensure I stay on top of my credit file. I understand mistakes do occur, but this should have been corrected months ago. According to the Fair Credit Reporting Act section 623 ( a ) ( 3 ), you are required to investigate claims of inaccurate information, and when information is proven to be inaccurate, correct the mistake. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have had well over 30 days to complete this investigation, and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily will result in a small claims action against your company. 

Thank you for your time and help in this matter.
Product: Checking or savings account

On XX/XX/year> I had an appointment scheduled to open a business account at the Citizens bank office in XXXX XXXX. I had an appointment with XXXX XXXX or XXXX ) XXXX already have an personal account with them and I wanted to linked both accounts. She kept asking for the IRS number from my LLC business. I informed her I had it on my phone and she suggested I emailed it to her and she printed it out. And then, her branch manager came over and introduced herself. All of sudden, she started interrogated rudely about my new business. And then she wouldn't let me answer my questions. I told her I was new at opening a new business and just needed help. They refused to open an account for me even though I had all the required documents for them. I believe I was discriminated against.
Product: Debt collection

i wrote to the collection agency, Mitchell D.Bluhm & Associates LLC, because of an account that they are currently collecting on. however, i felt forced to enter a payment plan because this was comming from an " attorney 's office ''. But as per FCRA guidelines, I have the right to question the validity of any account that is being reported or being collected on behalf of another lender/provider. I honestly do not recall having an open account or even owing any money on behalf of their client. i wrote Mitchell D.Bluhm & Associates LLC, and asked for supporting documentation that shows that i have a binding agreement with their client, that shows my signature, stating that I agreed to services rendered and agreement for payments. i believe that this is a violation from FCRA and should be investigated further.
Product: Credit reporting or other personal consumer reports

On XX/XX/13 the following companies performed hard credit checks on me without my consent. 

XXXX ( Finance ) CAPITAL ONE ( Bank )
Product: Credit reporting or other personal consumer reports

Date of Inquiries : XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  Date of Inquiries : XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX of Inquiry XXXX XX/XX/XXXX -Equifax I am unaware of these Inquiries on my credit report XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Mortgage

On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the XXXX time ; by which U.S. Bank, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with U.S. Bank that could possible yield to any potential wrong doing on their behalf. Since U.S. Bank fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why U.S. Bank needed to confiscate all my belongings without returning them is due in part that U.S. Bank could not turn around and request the courts to issue an eviction notice when it was U.S. Bank 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX! 
With that being said, all evidence clearly indicates how U.S. Bank only contracted XXXX with the sole purpose in mind was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX emptied out my home I would be without a justifiable defense to refute any mortgage documentation presented by U.S. Bank as being authentic. As a result, U.S. Bank, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent XXXX of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notaryXXXX, along with complaint ( s ) against XXXX-who originated this loan-they confirmed via their response ( s ) that the documents presented by U.S. Bank were not documents prepared or presented for me to view and sign for at closing on the behalf of their notary [ XXXX ]. 
With that being said, I request for U.S. Bank, via the CFPB, to explain to me in detail why a ) did U.S. Bank intentionally and maliciously commit fraud by fabricating my loan documents with fraudalent signatures ; and b ) if U.S. Bank proclaims that they did not commit fraud by forging my signatures to mortgage documents for them to explain to me in detail the who, what, when, where of HOW U.S. Bank came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing XXXX XXXX ] that contridicts documentation U.S. Bank presented as being a part of my " original '' loan packet!
Product: Checking or savings account

On XX/XX/XXXX I opened a new account with PNC Bank online and made deposits of {$100000.00} in the subsequent XXXXwo months.

After opening the account and making my first two deposits I was informed by a friend of a deal in which PNC Bank would either pay a cash bonus of {$200.00} if a new Virtual Wallet with Performance Spend was opened and {$2000.00} in qualifying deposits was made or {$400.00} if a new Virtual Wallet with Performance Select was opened and {$5000.00} in qualifying deposits was made. In XXXX I called PNC bank and inquired of the bonus and was informed that the detail I heard from a friend were correct. I then contacted my employer and asked for my direct deposit be changed. On XX/XX/XXXX a trial deposit was made and on XX/XX/XXXX and every XXXX weeks subsequently a direct deposit of my paycheck has been made to PNC bank. I thought at XXXX XXXX I was all set and a bonus if {$400.00} would be deposited in my account. 

On XX/XX/XXXX I called PNC Bank to inquire about my bonus. The first agent I spoke to was very nice but told me that my husband had previously opened an account with PNC Bank and due to him being listed as co-owner on the account I would not be receiving the {$400.00}. I informed the agent that my husband had tried to open accounts but due to malfunction the accounts were never used. The agent was talking to a manager about this and the phone call was disconnected. My husband did open an account on XX/XX/XXXX and closed it on XX/XX/XXXX a total of {$10.00} was deposited and subsequently transfer in the account. Another account was opened and closed on XX/XX/XXXX no transactions occurred. It should be noted that my husband is not allowed access to my account when calling via phone. 

Subsequent to my disconnected call I was picked up by a different agent and was informed that the time period to make a qualifying deposit was 60 days after the account was opened, something that the agent I spoke to in XXXX failed to inform me about. The agent then checked my account and saw the first direct deposit was made on XX/XX/XXXX and I was informed that unfortunately that was over the 60 day time limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mixed my Report with someone else. 

Wrong name on report ( I keep disputing and they take it off only to place it back on my report ) I sent them a copy of my Drivers License and Social Security Card. Still adding and removing them adding wrong name. 

Wrong Social Security Number Asked them to investigate and remove inquires I did not authorize. They refuse and keep sending me some generic response an hour later saying that they can not remove inquiries They are in violation of FCRA XXXXection 623 and Regulation V and FCRA 611. I have disputed 2 times with same generic response which tells me they are not investigating. Failure to Investigate another violation of the FCRA Section 1681s-2 ( b ) ( 1 ). 

I have also sent them a letter disputing several accounts that are not mine and part of an identity theft case I have with FTC. 

I have called several times only to get looped around to customer service who gives me fake names and fake employee numbers and when I follow up they wont transfer me to special handling or anybody in fraud. This morning somebody told me that they were in fraud after they told me that they were selling a product then when I asked to speak to special handling they refused to transfer me. Spoke with XXXX # XXXX and XXXX XXXX. 

The inquiries I did not authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On The accounts that are not mine and part of the identity theft case are : 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 I have uploaded my tracking and mailing where it shows that a representative from Equifax received the documents.
Product: Debt collection

On XX/XX/XXXX I received 7 consecutive missed calls from XXXX. They did not leave a voicemail. Today XX/XX/XXXX I received 7 additional calls without any voicemails. I called the number back inquiring about what the issue was as I was feeling harassed. They informed me they were sorry for not leaving a voicemail and stated they were from Unifin. I disconnected the call before gathering anymore information in fear my identity may have been compromised. I looked up the business and noticed they were indeed a collections agency. So I called back and verified my identity by confirming my name so I could get more information on only the business itself, not the collection matter. XXXX answered and I told him I wanted more information because I wanted to report this to the CFPB as I was feeling harassed. He said " thats fine, you can do whatever you want '' and hung up the phone. I called back and another lady answered. I again confirmed my name and last 4 of social and said I wanted to speak with a supervisor. She continued to talk about the attempt to collect a debt to which I stated numerous time I wanted to speak with a supervisor. Finally she said ok and I was on hold for more than 5 minutes. I hung up as I felt this was going no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with Experian. Trey cant seem to get it right. My vehicle loan is incorrect. I paid a total of {$970.00} to XXXX, however Experian will not update. Trey will just close the dispute and block me from resubmitting, even after they close the original dispute. I have also requested information on a duplicate XXXX XXXX account. This account has XXXX payment history on it which is questionable.
Product: Mortgage

Our mortgage was supposedly sold from an existing XXXX trust to another trust. 
XXXX XXXX XXXX. i was not notified of this transfer for over 90 days. At that time I requested proof of sale and a certified copy of my note as well as any assignments and or allonges.I have made this request over 5 times and I have never received any notoriety or certified copies of my notes sale.I did find an assignment datedXX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX, however XXXX was a defunct corporation at that time and I feel this is an illegal assignment clouding my mortgage. Specialized Loan Servicing has refused to provide my proof of sale of my mortgage or any substantiation of their right to service and become a debt collector of my note. I believe they as a Collection Company are acting without legal rights or possession of my loan note as the Debt collector. 
I have sent Certified mail requests for my note and all endorsements and continue to not be supplied such.They continue to damage my credit without rights to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using the information on 'best practices ' that these credit bureaus provide, I have reduced my usage to below 1 %, paid off all outstanding debt, made all payments on time, etc. 

Today, XX/XX/2020, Overnight my credit score plummeted by 64 points ( XXXX ) and by 20 points ( Transunion ) because my credit card numbers were changed. According to the information that XXXX XXXX provided, those were the only change on my account. Even though, the explanation I received stated that the changed CC numbers should have no impact. 

Additionally, the length of the oldest credit is stated as just over 2 years because I paid off student loans a few months ago - which also has an impact on my score. So, because I paid off the loan, it no longer qualifies as 'oldest credit. ' It appears that the more I follow the stated 'guidelines ' that the credit bureaus provide, the lower my credit score. The rating system seems at odds with the advice that the bureaus provide and this is reflected in my credit. 

Perhaps the algorithm that calculates such things should reflect what the consumer is being advised or vice versa.
Product: Money transfer, virtual currency, or money service

I am looking for a roommate in my apartment. someone contacted me via email named XXXX XXXX XXXX saying he is working for XXXX. he said the company will be sending the travel expense on my name and i would have to take the amount and transfer to his travel agent so that he will get tickets and come to XXXX. everything went okay and he told me again that by mistake his company HR issues two checks under my name and i have to deposit and mobile check and i have to transfer the same to other accounts. he asked me to keep {$300.00} as a token of advance for the shared room. but next day, i lost my money {$4500.00} from my bank account. I called them and they said that funds are not available under the account which check was issued. then i called XXXX and he says he is trouble and car met with accident. there won't be problem at all the money would return to your bank account soon. after two days he is not responding. then i read something about this fake check scam in internet and understood that i was bullied. I received two checks from that person : check 1 : XXXX  XXXX, check No : XXXX, date:XX/XX/2019 check 2 : XXXX XXXX, check No : XXXX, date : XX/XX/2019. 
he asked me to deposit these checks and asked me to transfer these checks to these persons : XXXX XXXX, XXXX and XXXX XXXX, XXXX. he is always contacting me in email and text. he never picked my phone. 
wired transfer to the below numbers : XXXX XXXX,XXXX - XX/XX/2019 - {$2500.00} USD XXXX XXXX , XXXX - XX/XX/2019 - {$2000.00} USD XXXX XXXX, XXXX - XX/XX/2019 - {$2500.00} USD XXXX XXXX, XXXX - XX/XX/2019 - {$1700.00} USD Original Contact who initiated this scam : XXXX XXXX XXXX Phone:XXXX,XXXX FAKE BANKER : XXXX PHONE : XXXX Police Case XXXX : XXXX, XXXX sheriff office
Product: Credit reporting or other personal consumer reports

I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ), the Nevada Credit Reporting Act ( NCRA ), and 15 U.S.C. 1681c ( a ) and 1681g ( a ). I have attached my credit report with the information highlighted. 

I have an account with XXXX XXXX that is showing inaccurate information on my credit report. The inaccurate information includes : Account number, High balance, Last verified, Date of last activity, Date reported, Date opened, Payment status, Last payment, Payment history, Days late XXXX XXXX is violating the FCRA by reporting inaccurate information about my account. The FCRA requires creditors to report accurate and timely information to the credit bureaus. XXXX XXXX is also violating the Nevada Credit Reporting Act ( NCRA ), which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's actions, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 
I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report. 

I have attached my most recent credit report and the areas of violations are highlighted. 

I am specifically demanding that XXXX XXXX : Cease reporting the inaccurate information to the credit bureaus. 
Remove all negative information from my credit report. 

I am requesting that the CFPB take the following actions : Investigate XXXX XXXX 's actions. 
Take appropriate action against XXXX XXXX, including requiring them to remove it from my credit report.
Product: Debt collection

The following account is listed on my credit report and is being reported in violation of 15 U.S. code 1681, 1692 and 623 ( A ) ( 1 ) ( B ). XXXX XXXX XXXX XXXX This account was disputed directly with the creditor under 15 U.S. Code 1692 : 809 ( b ). Not only did the creditor ( collector ) Direct Recovery Services fail to comply, Also the required notice of dispute was not within 30 days of my dispute. section 623 ( a ) ( 1 ) ( B ) states that if a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing the notice of dispute. Accordingly, any reporting of this debt is a violation of 15 U.S. Code 1692 : 807 ( 8 ). 15 U.S. Code 1692 : 809 ( b ) requires a debt collector to provide written validation of the debt upon request by the consumer. During this time the agency must also " cease collection of the debt ''. if they do not comply within the time frame, any reporting of the debt thereafter is a violation of the law. Direct Recovery Services fail to comply with the law by not validating this alleged debt and they're still reporting it. Neither are they following the rules that were put in place to protect consumers.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXI Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, LA XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX & XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card, account XXXX have identified that late payments have been incorrectly reported, negatively affecting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( correction of inaccurate information ) and 15 U.S. Code 1681s-2 ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided