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

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 
This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Checking or savings account

On XX/XX/15, after having a separate issue with a delayed payment processing service from US bank, I noticed that they opened a new CD after the old one matured without my consent. Furthermore, they used an extremely low rate of ..05 % when rates are at 4,75 % and then told me I had to pay a penalty if I tried to cancel it. I was not told what the penalty amounts were but I can expect them to be ridiculously high based on this deceptive practice. My discovery of this deceptive practice was less than 30 days of of the original ending. I received no notice of this practice. WHat gives them the right to automatically reopen and lock in a rate I never approved of? Can this even be legal? I want my money released from this CD immediately with no penalties. I never wanted it nor asked for it, nor did I approve it Please help. Thank you. 
Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2017, I went to XXXX to get my 3 free annual credit reports online. I was able to get 1 from XXXX, and 1 from XXXX. Equifax did not want to provide me with an online report. They said I have to mail a request to them.
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. 

I went to apply for a family vehicle and the dealership at XXXX XXXX stated that I had over 22 hard inquires on my credit report and was unable to approve me for a car loan. 
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 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 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

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint against Square, a financial services company, regarding the sudden deactivation of my account and the withholding of funds without prior warning or adequate explanation. 

On XX/XX/2024, I received a notification from Square 's Account Services team stating that my account was deactivated and any funds in my account balance would be held for a period of 90 days. The notification further mentioned that the release of these funds is scheduled within two business days after XX/XX/2024, subject to potential changes based on factors such as additional chargebacks. 

I want to emphasize that I had communicated with Square, informing them of upcoming payments, and they were aware of the impending transactions. Despite this, the deactivation occurred without any prior warning or explanation, leading to significant disruptions in my financial operations. 

I would like to highlight also that I have diligently completed the account verification process and submitted all necessary documents for both myself and my business on two separate occasions, thereby ensuring compliance with all requirements set forth by Square.

Enclosed with this letter, please find a copy of the notification received from Square for your reference. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure a fair resolution, clear communication, and the timely release of my funds. I appreciate your attention to this urgent issue and look forward to a prompt investigation. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because TRANSUNION, has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX XXXX Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Lexis Nexis has sent a letter stating they verified information for bankruptcy XXXX with a third party known as XXXX. When I previously attached a letter stating that the bankruptcy court does not report information to the credit bureaus. 

The credit bureaus stated on my credit report, that they verified the bankruptcy with Lexis Nexis and now Lexis Nexis is stating they received the information from XXXX. 

Lexis Nexis has violated my rights. I have not given them written permission to put anything on my credit profile. 

Lexis Nexis has no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft in pursuant to 18 usc section 1028 A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Checking or savings account

Capital one bank has failed to provide my earned income to my checking account in a timely manner. They continue to give vague and nonhelpful information via social media. This has caused me to fall behind on my day-to-day bills, and I can not afford food and gas and my daily livelihood necessities due to the money, not being in my account on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I supposedly have two files with equifax as per equifax representative. 
The equifax is reporting my charge offs and negative information on my credit and have removed every positive account that was being reported. 
I would like Equifax to update the info and have my current and correct account showing on my credit file. 
Currently equifax is showing XXXX XXXX CHARGED OFF BALANCE {$3900.00} ) XXXX XXXX XXXX CHARGED OFF BALANCE {$3400.00} ) ( XXXX XXXX XXXX CHARGED OFF BALANCE {$1900.00} ) ( XXXX XXXX XXXX BALANCE {$1100.00} ) ( XXXX XXXX XXXX XXXX BALANCE {$100.00} ) These accounts are not mine and were written off as ID theft.
Product: Student loan

Currently to pay your loan serviced by Navient over the phone you have to give your full social security number ( SSN ) or your account number. The option of giving my full SSN to the employee that answered my call to verify the account means that this employee  already has access to my SSN and not an abbreviated version of it. It concerns me that people at this level of employment have access to this detailed information. In today 's society with security breaches that seek to steal peoples personal information and the ramification of these known issues gravely concerns me that Navient would open themselves and their customers to such a large liability. The amount of customer service representatives that have access to this information not only nationwide but globally is extremely concerning. I hope my concern gives rise to the potential damage to the more than 12 million debtors that Navient currently services. 

The only employees that should have access to this information should be at the point that they are in litigation about payment of loans. Trying to pay my loan which is reducing my debt and not adding to it should not have such revealing information attached to the process.
Product: Checking or savings account

I have been a XXXX XXXX  customer of Citizens Bank NA for over four years. I have been fleeced of exorbitant accessed fee 's, some of which are a direct result of their bad banking practices by adding unneeded " services '' to my business account without my knowledge or consent. For example, for the past three years, I was being charged {$20.00} a month for business invoicing... I do not utilize any other invoicing other than those generated through XXXX XXXX thus Citizens Bank was bilking me for {$20.00} a month for four years - that is {$960.00} for which they never credited me back even after admitting their mistake. I have been victim to their re ordering of transactions and allowing direct debits on the account by XXXX for which I never set up a direct ACH payment on this account. Those multiple attempts to process ( over XXXX ) cost me {$39.00} per attempt and another {$30.00} by citizens in OD 's. That is a total of {$1300.00}. I have attached the statements reflecting my deposits over the past four years, the amount deposited along with annual fee 's charged by citizens on said account for that calendar year. To date that number is over {$13000.00}. It is not only unlawful but so unscrupulous. Please review the attached. I have reached out numerous times to my bank manager ( who is amazing ) to the dept of the chair with zero resolve or results. I continue to bleed money in a bad economy, as a single mother with a child in college so I need every XXXX I earn. I'm not here to be a victim of a fleecing institution who could care less about their customers. Thank you in advance for your attention to this serious matter. Citizens is literally bankrupting me a little bit at a time, look at the overall big picture of four years. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$760.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX  XXXX Balance : {$520.00}, XXXX XXXX Balance XXXX {$0.00}
Product: Bank account or service

I would like some one to explain the XXXX fee banks charge if you use more than XXXX electronic transfers in a month.
Product: Bank account or service

The fees associated with Hunnington are very high and not necessary. Since XXXX of 2015 Hunnington made a mistake on double charging debit card holders one weekend. They did fix the fees associated with the account. But since then we have incurred lots of fees that have financially ruined my income and life. In XXXX there were almost {$700.00} in fees, XXXX {$500.00}, and who knows what I am accumilating this month. 
The customer service I am recieving is " there is nothing we can do about this '' they are telling me to watch my account better and use my ledger better that is all. 
I have been lied to from the customer service representives and then still charged fees and the bank refused to correct them. 
XXXX XXXX - I asked if the deposit on the XXXX would cover any negative charges. The customer service advised that I was in 24 hour grace and there would be no fees. So I found out I had XXXX {$37.00} fees the next morning. 
I called and asked them to waive them, they said I am not elgible. I was told to go to the branch and do a " Force Pay '' and went to the branch. Guess what they said they could n't do the " force pay ''. So I was lied too XXXX. in that XXXX instance. 
Other promises and lies are " pay this now so no fees get incurred tomorrow '' So I deposit the balance. Wake up and there are the fees. The same run around after numerous supervisors and chats. " Sorry your not elgible for any more fee reversals ''. 
I have lost upwards of {$1100.00} in fees in 3 months with this bank. They have charged a {$37.00} fee for a {$1.00} transaction. These are irreprehensible and I can not get any solution. The Michigan Attorney General suggested I reach out to Consumer Finacial Protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$530.00}
Product: Credit reporting or other personal consumer reports

On different occasions I have disputed the account for my XXXX XXXX XXXX car loan that erroneously appears 9 late payments on my XXXX, XXXX and TransUnion credit report without having an effective response to the request, and I even made a report where I notified that I had requested a payment extension and these were not taken into account. I explained it and also sent it, but it is noted by XXXX, XXXX and TransUnion that they did. not conducting an efficient investigation to determine that those late payments that appear on my XXXX XXXX XXXX credit report do not belong to me, MY LOAN HAS ALWAYS BEEN PAID ON THE PAYMENT DATES this information is affecting me since it harms me when applying for my mortgage loan I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other active accounts that are currently reporting and that is why I request that these erroneous late payments that appear in XXXX, XXXX AND TRANSUNION be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous information shown in XXXX, XXXX and TransUnion. XXXX XXXX XXXX Account number XXXX : CURRENT, WAS PAST DUE 60 DAYS Remove it from my credit report.
Product: Debt collection

ERC trying collect {$630.00} for an account with them I never made business with them, never signed an contract with this company.
Product: Debt collection

XXXX Wednesday, XX/XX/2021 Regional Processing, LLC called and harassed me and my husband. Threatened to file lawsuit with local court if I didnt pay something right away. Was very intimidating and used scare tactics. Said would send me email explaining things and I have yet to receive any information.
Product: Credit reporting or other personal consumer reports

Cant access my credit score or get my free credit report
Product: Debt collection

RoadRunner Financial is the company ( Roadrunner account services LLC ). They send multiple text every month before the payment is do. I have not missed a payment. My recent payment was made already and I keep getting text the payment was missed although I have received confirmation of it and the money has been taken out of my account. The practices are very poor and have been a miserable since Ive had them with all the spamming of a payment that is going to be made. ITS NEVER BEEN MISSED THEY GET PAID EVERY MONTH.
Product: Consumer Loan

I took an interest deferred loan with Wells Fargo since my air conditioner died and I had to get a new XXXX, but did n't have enough money to pay for the installation. The company that installed it offered a home improvement credit card with Wells Fargo that was interest deferred for one year. If you do n't pay off the loan in the one year, all of the interest for the full amount of the loan is levied on the account, in my case, a sum of {$1700.00}. This was n't made clear to me before taking the loan. I understood that it was interest deferred for one year, but I did n't realize I 'd be penalized for the full amount of the loan, and not just the balance at the end of the interest deferred period. I have not been late with any payments and this adds to the debt remaining by 25 %. I feel it is deceptive.
Product: Debt collection

found a debt for account XXXX on my credit report. I have never had an account with XXXX XXXX XXXX who they claim to represent. It could potentially be a family member with the same name, but it is not mine. I use XXXX for cell service, not XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To my surprise, this evening I discovered incorrect accounts on my credit report. I check it often, and this was completely unexpected. I thought it might just be a browser issue, but refreshing didnt change anything. These errors stayed, and Im urging that my documents be carefully reviewed to prevent this from happening again in the future.
Product: Credit card or prepaid card

This is regarding my XXXX XXXX XXXX  XXXX account. I have tried multiple times via telephone and email to request account closure and return of deposit unsuccesfully. On XX/XX/XXXX, XX/XX/XXXX and XXXX I called requesting that my account be closed. The representative informed me that he needed to transfer me to another department. After being on hold for over 10. minutes ( all three times ), I was told that " nobody was available at that particular time, if I would like a call-back ''. I never received a call back in all instances. I was them provided a survey to which I completed based on my experience and the situation. On XX/XX/XXXX I was contacted by " XXXX '' via email from " Executive Response '' who wanted to follow-up on my survey. Also on XX/XX/XXXX I replied back and explained the situtation in detail along with making my request again. I never received a reply back. This is in regards to account # XXXX.
Product: Consumer Loan

My loan was with Citifinancial it opened before XXXX XXXX but that was the balance then. I called continually to work something out with them. No one could find the loan and I would get transferred and cut off. It was an old charge off from my divorce at one time. I wanted to get it taken care of. the # then was XXXX address was XXXX XXXX XXXX XXXX XXXX sc XXXX. It was under my old last name XXXX XXXX XXXX. Now I am XXXX XXXX XXXX. after attempts I would get someone and they finally had me call XXXX and accepted {$4000.00} to dept, offer settlement and said they would forgive loan and mail me forms to file with my taxes. I talked to XXXX and her " boss '' on XXXX mail XXXX by end of month put the ck to citifinanceial acct XXXX and write that on envelope and check. address was the same as I wrote above. I still have copy of the check so I know it went through. I was to call and check in 10 days. No one could tell me anything and kept getting cut off. I checked my credit report and now I have a loan citifinancial opened XXXX XXXX and a XXXX XXXX citifinancial for XXXX. I do not know what to do. No one helps me and I even sent a long letter like this. HELP. XXXX XXXX XXXX. If I do not refinance my home in the next 2 years, I will lose it. Right now I ca n't because of this. my phone is XXXX address is XXXX XXXX XXXX XXXX mn XXXX email is XXXXXXXXXXXX. Please help me
Product: Credit card or prepaid card

XX/XX/2017 Name : XXXX XXXX XXXX email : XXXXXXXXXXXX International Number : XXXX and XXXX I have or had ( 2 ) credit cards with Chase Bank following : Slate ++++ ++++ ++++ XXXX Freedom ++++ ++++ ++++ XXXX One of the cards had a ( XXXX ) balance and the other around {$650.00} balance and I was making monthly payments on time. 
I am overseas and had a friend make payments for me. Last payment was XX/XX/2017. 
Chase sent me NO warning or email reminder, nothing. I found out yesterday, XX/XX/2017 when I was going to use one of the cards.

Last year, a similar situation with Chase ( same cards ). I wrote to them and they wrote letter ( which I have ) reinstating my accounts. Chase were liable for making mistakes, so they reversed their decision.

PLEASE HELP WITH THIS RECENT SITUATION. I am tired of dealing with this company. 
P.S. I HAVE LETTER FROM LAST ( SCREW UP ) BY CHASE BUT WOULD HAVE TO SCAN AND SEND IT TOMORROW. 
Sincerely. 
XXXX XXXX XXXX