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

I filed a dispute with credit bureaus to follow up with AMEX about the First Date of Delinquency for XX/XX/year> on credit report for XXXX, XXXX and XXXX. The First Date of Delinquency status is not accurate for the payment history on the account. The account was never late and historically paid in full each month. The AMEX is correct with listing as Included in Bankruptcy. 

First Date of Delinquency is not a correct status for my credit history with AMEX. The account was never late, paid in full for billing statements prior to XX/XX/XXXX bankruptcy filing. Credit cards were not included in the bankrupty outside of this AMEX account for the under {$500.00} balance. 

The account had a payment nearly {$600.00} for XX/XX/year>XXXX  as that was the max amount I could pay on the total balance before filing bankruptcy, leaving a balance {$440.00}. The account had always been paid in full and had two active payment plans for XXXX  bill. The account was never intended to be included in Bankruptcy.
Product: Checking or savings account

On XX/XX/year>, I did an ACH transfer to my PNC checking account ( which I've actively used for over 10 years now ) of {$130000.00} from a high-yield savings account at another bank. This money was meant to be used for a possible purchase that I did not ultimately make. 

I want to transfer the money back to my high-yield savings account at the original bank, where I earn 4 % interest. PNC is only allowing me to transfer {$2000.00} a day. They said to call back in XXXX and they will consider raising that limit, but there is no guarantee whether they will or, if they do, how much. 

PNC pays only .01 % interest on my account, and their policy is I am ineligible for an account they offer with a more competitive rate because I have an existing savings account. 

There is no justification for this outbound transfer limit policy other than to hold customer funds stuck in a low-interest account so they can profit while the account holder loses.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : inquiries XXXX XX/XX/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 XXXXXX/XX/XXXX personal information Name : XXXX XXXX XXXX Employers XXXX XXXX XXXX Employers : XXXX XXXX  XXXX : EMPLOYED Employers : XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX
Product: Debt collection

I was in the process of applying for a loan and my credit report was ran on XX/XX/XXXX. It showed that I had an outstanding balance of {$1500.00} from XX/XX/XXXX with NATIONWIDE RECOVERY SYSTEMS ( NRS ) on behalf of XXXX XXXX XXXX. On XX/XX/XXXX, I called NRS to verify what this was about since I was unaware of it. I had not received a single notification about it in 4 years. They confirmed that the initial bill was mailed to an incorrect address and was returned. I gave them my correct address, informed them that I wanted to pay the balance and asked for a letter showing that the original invoice went to an incorrect address. I was told they could not provide that information because they didn't have a template letter for that. I asked to speak with a supervisor and was put in contact with XXXX XXXX. I explained to him that didn't know I had a balance with XXXX because it went to an incorrect address and that I was willing to pay it off in full now. I also asked for him to send me a letter stating that or proof that the original invoice had an incorrect address and he refused to provide me with such communication. Mr. XXXX said they could only send a confirmation letter stating that I paid the full amount. He also informed me that my other option was to dispute the charge. I wasn't going to dispute the charge since it was legit, wanted this off of my credit report and I went ahead and paid the balance because they said it would show ''PAID '' faster if I went through them rather than if I paid it through XXXX. I am absolutely disgusted with the lack of customer service Mr. XXXX provided. He offered no suggestions on how to reach a solution to my inquiry. He did not offer to find out if there was something else he could do. He only repeatedly denied my request So after some research and finding out that what I had requested ( proof that the original bill went to the wrong address ) was nothing new and outside of a reasonable request, I came here to file a complaint. I am in the fortunate position where I am able to routinely pay off my monthly bills. My credit report will show an exceptional payment history except for this one incident. It is nearly impossible to pay an invoice when you are unaware that you even have one. Debt collection agencies are very quick to make folks lives difficult and when they have an opportunity to assist with a simple gesture, they refuse that service. Nobody wins. That is sad and unfortunate and I believe there needs to be better training - especially at the managerial level at NRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite many written requests, the unverified items listed below continue to appear on my credit report in contravention of federal law. Both Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) call for the authentication of these objects. If you do not validate these goods, I will file a lawsuit against you. Please abide by the law so that we can resolve this swiftly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds wen transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate XXXX late payment reported by XXXX XXXX XXXX on my credit report for XX/XX/year>. XXXX has confirmed that this was a system error and provided me with a letter stating that they corrected the error and notified the credit bureaus. However, my credit reports remain unchanged, and this inaccuracy has negatively affected my ability to secure a home loan. 
Please find the attached evidence : XXXX. XXXX letter. 
XXXX Credit report showing the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I would like to fill a complete with the CFPB against XXXX, Equifax, and XXXX for misleading information on my credit report about a Bankruptcy case. 

I sent written notification to the court asking how XXXX, Equifax, and XXXX verify bankruptcy by the court. In response, in response on XX/XX/2021, the court stated it does not verify information to collection agencies. As a result, I sent letters to all 3-credit agency asking to verify and how the Bankruptcy is verified on my account. 
This is the response that was sent to all 3 companies I have previously disputed this item with you US Bankruptcy Court- XXXX XXXX Case Number XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 

XXXX XXXX In response, each credit agency stated that the information is verified as accurate. 
Attached are letters and documentation that was sent to all 3 agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a credit card on my credit reports and refuses to delete the information. Ive disputed this account multiple times and it keeps returning as updated after only 1 day of being open. Ive asked the original furnished to provide to me verification in the form of the original consumer contract with my signature on it and all Ive received was a print out of the account with a list of information and no signature anywhere. They continue to report my information even when they have no verification. The credit bureaus also have failed to investigate thoroughly because if a human being actually investigated and not XXXX, they wouldve deleted this account a long time ago. The negative reporting is defamation of character and I am preparing to seek litigation for damages caused by the negative reporting.
Product: Credit reporting or other personal consumer reports

I have been trying to get help with this issue for over a year. A previous creditor " XXXX XXXX '' continues to provide erroneous information in regard to my credit report and they refuse to update my report with accurate information. On my report you will see that in 2018 there was a bankruptcy listed on my credit report. XXXX XXXX was actually apart of the bankruptcy so they are well aware that they are breaking the law by continuing t report the account as charge with continuous lates still to this day. This is drastically affecting my credit and has caused sever unrepairable financial harm. 

XXXX, or negligent non-compliance, XXXX XXXX. XXXX. Claims of willful non-compliance carry possible statutory damages of {$100.00} to {$1000.00} per violation, attorneys ' fees, and unlimited punitive damages. 

I am also instituting my rights under FCRA XXXX, I would like all documents related to this account. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. 
Attached you will see proof that they willfully followed the bankruptcy order and then started to report the erroneous information consistently for the last XXXX years. 

The accounts in question are XXXX XXXX account number XXXX, this account should be reporting XXXX owed and no lates. 

Furthermore, you will see the list of previous disputes attached and also proof that they are purposefully reporting erroneous information. 

You will see that you have failed to respond on several occasions to an appropriate investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with the credit bureaus since last year of XXXX  about their CONSTANT violations of my rights. I conducted my own investigation into the responses from the letters they were sending me about validating and verifying inaccurate information they are reporting on my credit report as accurate. All three credit bureaus " claim '' that they verified the bankruptcy they're reporting on my credit report as accurate and they have " verified '' this with the courts. 

However, upon doing my own investigation by sending a letter to the courthouse myself on XX/XX/, asking them do they report bankruptcies to the credit bureaus and they responded saying that, " They do not report any bankruptcies to the credit bureaus ''. They also stated that " They are NOT a credit reporting agency and are not required to conduct investigations or respond to disputes ''. 

The credit bureaus also claim they have verified this bankruptcy with a 3rd party credit reporting agency as well. I have a letter from the 3rd party agency also stating, " We have reviewed the information from our Bankruptcy Records and determined the data being reported as unverifiable. The data in question has been removed and our files have been updated ''. 

So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They have violated my rights one too many times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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. 

ALL THREE BUREAUS are reporting multiple inaccuracies and misleading information.
Product: Payday loan, title loan, or personal loan

I tried to apply Louisiana Scra benefits to my XXXX XXXX XXXX that I took out in 2016. I havent received a response from the company. The company shut down and was brought out by SSTXXXX which I contacted but havent heard a response.
Product: Debt collection

Per the CFPB rules listed here : https : XXXX, Prince Parker didn't fulfill their obligation of contacting me before reporting my debt to a credit reporting agency. 

The only communication I have received from Prince Parker about this debt is the attached letter mailed on XX/XX/year> and I received it today, XX/XX/year>. 

I paid as soon as I found out about the outstanding balance via credit monitoring ( attached payment receipt ) I requested Prince Parker to work with the credit reporting agencies to " delete '' this debt from my report. I was clear on my ask, I would like this to be deleted and not the balance updated to {$0.00}. 

They refused to honor this request and completely disregarded the CFPB rules.
Product: Credit card

Requested to get a copy of my ID presented at purchase which this company should have taken a copy of in order to complete purchase and the ORIGINAL CONTRACT WITH MY SIGNATURE MATCHING THE SIGNATURE ON MY Id that was presented at purchase they can not present that information they have electronic signature that dont match my ID on there not contract and there contract there presenting is a copy not the original contract.
Product: Money transfer, virtual currency, or money service

I deposited {$11000.00} in XXXX into Robinhood to start trading. I requested a small withdrawal which needed identity verification. I submitted my driver 's license and selfie photos to prove my identity, only to be denied. I retried a few times because I thought maybe the picture was blurry or had a little glare, only to find that my account had been restricted towards the end of XXXX. I could not withdraw or trade any stocks/crypto. When I call Robinhood customer support, I am asked to verify my name, date of birth, and email, only to be told my info doesn't match my accounts info ( impossible ). The Robinhood app told me my account review would be finished by XX/XX/XXXX. On XX/XX/XXXX, the date changed to the XXXX on the app, and today on the XXXX, it changed to the XXXX. I have heard that this cat-and-mouse game never ends unless a complaint is submitted. I have submitted my passport as another form of identification today as a last hope. My money is being held hostage by Robinhood for reasons undisclosed to me, and customer support does nothing but read a script telling me to submit identification proof, which I have done over 5 times. I have lost out on income and can not access my life savings which I have put into this investment App.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested TransUnion and informed them that there are hard inquiries on my credit report that I did not request or give these companies permission to access my personal information. I have requested TransUnion to provide proof that I requested this and since I did not they need to remove this hard inquiry from my credit report. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information.
Product: Checking or savings account

Claim # XXXX This Complaint is against W. Fargo for denial of my claim for {$740.00}. W Fargo stated that these transactions were made by using my Card # and my Pin #. How XXXX  is this???? Of course this is true, because I have been experiencing Identity theft for 17 months, after W. Fargo allowed these identity thieves to have access to my accounts, after I had my accounts deactivated and disabled to prevent this. This is the fault only of W. Fargo. W. Fargo communicated with these identity thieves on a regular basis, as indications validate.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX XXXX XXXX XXXXnquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : CXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is this possible if the payment history is inaccurate, last activity is inaccurate on accountIXXXX XXXX XXXX XXXX. Also on account XXXX : XXXX XXXX the last activity is inaccurate and remarks is inaccurate and months reviewed is inaccurate and payment history is inaccurate. This is grounds for removal they also violated my rights under 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 an account without my written instructions 15 U.S.C 1681e - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

That stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not still reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 
Account Number XXXX  : XXXX XXXX and Account Number XXXX : XXXX XXXX
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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.