23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

After providing this institution with an overwhelming amount of business and personal information, they continuously asked for more. XXXX day, I received a verbal approval for both a credit card and a line of credit, but they refused to provide it in writing. Despite my requests, they kept asking for additional documentation and even suggested using my private residence, valued at {$XXXX} XXXX XXXX, as collateralcompletely disproportionate to the verbal approval amount! This was highly disrespectful behavior from the lending department. 

I believe their lending practices, based on my experience with Suncoast Credit Union in XXXX, where I am a member, should be reviewed by the XXXX XXXX XXXX for borderline fraud. The approved credit amounts were nowhere near the value of my property, yet they insisted it was the only way to move forward with a low credit offer. Suncoast Credit Union doesnt seem to prioritize people or the community, but rather their own bottom line, engaging in what I consider unfair credit practices. 

After XXXX months of back-and-forth, I believe they should honor the original verbal approval without further delays or excuses. I expect a confirmed approval of no less than {$XXXX} USD, either as a credit card or equivalent credit line, as fair compensation for wasting my time.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent XXXX A LETTER DISPUTING THE VALIDITY OF THE BANKRUCPTCY THEY ARE REPORTING ON MY CREDIT REPORT. THEY RESPONDED WITH A LETTER STATING THAT THEY " VERIFIED '' THIS ITEM THROUGH LWXIS NEXIS. I WENT DIRECTLY TO LEXIS NEXIS TO DISPUTE THE ITEM IN QUESTION AND LEXIS COULD NOT VERIFY THIS ITEM SO THEY DELETED IT FROM THEIR DATABASE. 

I THEN. WENT BACK TO XXXX ON XXXX AND SHOWED THEM THE DELETED BANKRUPTCY FROM XXXX XXXX INFORMING THEM THAT IF THEY COULD NOT REVEAL HOW THEY TRULY VERIFIED THIS ITEM THEN IT NEEDS TO BE DELETED ACCORDING TO THE FCRA. THEY HAVE ONCE AGAIN REFUSED TO DELETE THIS ITEM WHICH IS IMPLODING ON MY ABLITY TO PURCHASE A HOME AND CAUSING ME TO PAY THOUSANDS MORE IN INTEREST EVERY YEAR. 

THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX last XXXX of ss # XXXX date XXXX I have noticed 5 fraud inquiries on my credit report as a federally protected consumer I have the right to have these fraud inquiries removed I will list inquiries EQUIFAX INQUIRIES : XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Delete all inquiries listed above thank you 15 U.S. Code 1679c - Disclosures
Product: Debt collection

I was called at work, messages were left with my coworkers stating I owe money, called me stated they were taking legal action and I was going to be arrested for larceny. Given 24 hour limit before they contacted the local police.
Product: Debt collection

There is a debt collection company by the name of WAKEFIELD & ASSOCIATES reporting an alleged debt on my consumer reports. I, XXXX XXXX am unfamiliar with this debt. I was not given enough information regarding this debt, and I was not given the opportunity to dispute this alleged debt. I was also not given any disclosures regarding this debt collection company. WAKEFIELD & ASSOCIATES is ruining my reputation per 15 USC 1692d ( 1 ) parking this alleged debt on my consumer report with all three consumer reporting agencies. This company is reporting an incomplete account on my consumer disclosure report with XXXX with notations of " No Data '' ( ND ). This company is also giving off implications that they may be an attorney. This is reflecting on my XXXX consumer disclosure report. A violation of 15 USC 1692e3. This company is also not licensed to collect in the state of Tennessee. A violation of Tennessee Code 62-20-105. This is abusive deceptive behavior. This is not the first time this company has been abusive. This company has been sued regarding multiple offenses of abusive deceptive behavior.
Product: Debt collection

On XXXX XXXX I visited BestBuy store in XXXX XXXX and made purchase of two items total value {$68.00}. I used my Credit card to make the payment and the payment went through and was posted on my Credit card too. I didn't use my bestbuy credit card for that purchase. While reviewing the monthly statement of both card ( bestbuy as well as the card which I used to make the payment ), I see that in bestbuy credit card which is control by CITIBANK it should outstanding amount of {$68.00} whereas in my creditcard with which I made the payment, it shows the payment was made. 

Later in the month I started getting continuous call from CITIBANK managing the bestbuy card for the latefee plus the outstanding amount which I need to pay. I kept on telling them that this is the issue of double charge. This again started getting reported to all the 3 credit bureau and impacting badly on my credit score. I called the Bestbuy provided number every month starting deceber 2020, stayed on the call ~50 minutes telling multiple agent what happened but no resolution. One time they asked me to fax the statement copy which shows payment was made. I faxed the statement which reflect tht the payment of {$68.00} was made on the same day in store.

It has been 6 months now and there is no end to this. I stay on call for 50+min without any resolution. They keep on opening the dispute and later closing it without calling me and every month my credit score getting -ve impacted. I visited the store too in person but they say only CITIBANK Card team can help you not them.
Product: Checking or savings account

My Chime Bank Debit Card was used XX/XX/XXXX for an Apartment Application Fee & Holding Deposit - {$340.00}. 

The Apartments say Chime took ALL of the money back claiming I didnt have the funds to cover it, but I did of course & the funds cleared right away & have never been refunded to me. 

The bank seems to b a foreign-held XXXX company here is the US & is doing malicious business practices. 
I only get XXXX when I call- they dont like to speak in normal contexts. 
And they continuously sent & send me weird emails saying that they have written updates for my case, but theres absolutely no communication from them at all. Then they say ( in the same email ) that they r closing my dispute because I havent responded to their invisible/fraud communication. 

Well its my XXXX money & now I have no money to eat or buy gas, or pay any other bills for the rest of the month. 
I have a strict diet, so I cant use food pantrys. XXXX XXXX & disgusted more & more at the XXXX politics in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been nearly 60 days. I have sent XXXX  a request for explanation as to why my score has dropped 37 points. They are reporting " Too Many Consumer Finance Company Accounts '' this is something new that XXXX  is placed on my bureau to intentionally lower my score. I have not opened any new account and I do not have any high risk loans in my name. I don't have any Pay Day loans or anything of the sort, I have nearly paid off ALL my credit cards and my auto loans are free and clear. All my loans are either with a Credit Union or a reputable FDIC national bank and I have no department store cards therefore there is nothing that should be on my credit listed in this manner bringing down my score. I have asked XXXX  to identify said " Too Many Consumer Finance Company Accounts '' and they have failed to do so. XXXX has failed to provide me with the required information for me to dispute. I believe XXXX  is intentionally lowering my score because of my ethnicity. For XXXX  to continue to report inaccurate information its a defamation of my character and a violation of the FCRA and FACTA.
Product: Debt collection

Pursuant to 15 USC 1692. ( a ) ( e ) and 15 USC 1692a. ( 4 ) Account Resolution Services is in violation of the following, but NOT limited to : 15 USC 1692b. ( 2 ) ; 15 USC 1692b. ( 5 ) ; 15 USC 1692c. ( a ) Account Resolution Services has been notified of these above mentioned violations and more via certified mail.

They are attempting to collect a debt that is not theirs to collect, and a debt that is not owed by law, because I am, the consumer, and the creditor. Therefore any additional attempts to collect on this alleged debt is now considered fraud.

If ARS doesn't comply with federal law they will be held accountable for willful non compliance as stated in my address certified mail correspondence.
Product: Credit reporting or other personal consumer reports

On XXXX and XXXX I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the Transunion, XXXX and XXXX has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. 
XXXX. XXXX XXXX # XXXX ( XXXX ) XXXX XXXX XXXX # XXXX ( XXXX ) XXXX. XXXX  XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( reinserted on credit file XXXX, was not notifed within the 5days ) XXXX. XXXX XXXX # XXXX ( XXXX  XXXX ) I have attached the letter that was sent to each bureau as well the certified receipts
Product: Credit card or prepaid card

The terms and conditions on my Paypal Mastercard administered by Synchrony were changed from 0 % foreign transaction fees to 3 % foreign transaction fees, without my being notified of the change. This resulted in {$170.00} in fees being charged, which Synchrony were unwilling to waive when I became aware of this change. 

In addition, these fees are not shown anywhere on the activity page for the credit card - only at the bottom of the statement.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 

The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Employer - XXXX XXXX, XXXX XXXX Incorrect Name : - XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your organization is in breach!

According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights. 
XXXX XXXX. XXXX Section XXXX A Section XXXX also stipulates that a consumer reporting agency can not provide an account without my explicit written consent. 
Furthermore, as per XXXX U.S.C. XXXX. ( a ) ( XXXX ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than XXXX years. 
Additionally, under XXXX XXXX. XXXX ( A ) ( XXXX ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.
Product: Debt collection

I was trying 15 day free-trial home internet with XXXX on XX/XX/XXXX. I cancel the internet due to their internet not compatible with my work environment and return their equipment on XX/XX/XXXX, which is within 15 days. After a month, I received bill from XXXX for unpaid bill. I was verifying on XXXX XXXX official account, and I was told that it should clear within 1 or 2 cycles. However, XXXX kept sending me bills for 2 more cycles with additional late fee every time. I went in store and talked with the staff there on XX/XX/XXXX, he said I need to paid {$25.00} upfront and they'll refund me later time. So I paid {$25.00} and they said late fee should be waived as well. Note at this time it is still within due day of latest bill I received with 2 times of late fee. 

However, a debt collection letter was sent to me from Convergent Outsourcing on XX/XX/XXXX, which is before the billing due date of amount of {$39.00}. And I receive the letter at a much later date. To me this is unethical practice to send their bill to debt collector before billing due date. And they did assure me everything should clear from my account multiple times.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and still not getting any resolution. I don't know what seems to be the problem. Please help me! 

List of accounts ; XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX HOSPITAL XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX was requested to do an investigation however its clear that they didnt actually do the investigation so Im requesting that they remove XXXX XXXX  from my credit file. 
XXXX reported that the account was open when it was closed. XXXX reported that there was a balance of XXXX dollars when its actually XXXX. Please remove from my credit report since there was not a legitimate investigation Additionally XXXX XXXX  agreed to remove the account from my credit report because the account had never been activated a new card has never been sent to me for an account that I never opened. I had confirmation from XXXX at extension XXXX under interaction ID XXXX that the account balance is XXXX. The account is closed and she removed the account from my credit report. XXXX is a supervisor at XXXX XXXX
Product: Checking or savings account

Since my Bank of America account has overdraft fees and overdrawn due to fake checks that scammed me in 2022, my accounts are both closed in checking and savings accounts and therefore can not be able to open not even a standard account in any of these local banks that we all use to protect our money! My account has been closed not locked but closed and banned, and this requires a solution as soon as possible because these mainstream banks are the forefront of the future and Im basically put out of it. Therefore a solution must be presented by you guys the heroes!
Product: Checking or savings account

My aunt gave me a check for {$2000.00} to use for a vacation that I am bringing my daughter on. I deposited the check on XXXX, and on XXXX I was advised that they were holding the check until XX/XX/year> which is the day we are coming home from vacation. I called TD Bank to see if they could release the hold, my account is not new, I have never deposited a check that has bounced, and my aunt has more than enough money in her account to cover it. Had I known they were going to hold it for 7 business days, I would have just cashed it at her bank, and now I am stuck and have no funds for my vacation. There is no reason to hold this check, my aunt even offered to conference call them and her bank to confirm the funds were available and that the check was good. I was told that I had to request the hold to be removed and they would either approve it or deny it, and this morning I woke up to an email stating they were going to hold the funds until XX/XX/year>, so now I am on vacation with {$0.00} because they have decided to hold this money.
Product: Checking or savings account

Wednesday ( XX/XX/XXXX ) i was expecting my paycheck. Its now XXXX XXXX on Friday ( XX/XX/XXXX) and i still have not received my paycheck. Its split between XXXX and Capital One. XXXX has deposited my money. Capital one has not! CAPITAL ONE HAS NOT COMMUNICATED ABOUT IT NEITHER.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY REVIEWED MY XXXX, EQUIFAX, XXXX, CONSUMER REPORTS AND IVE NOTICE FRAUDULENT NAMES, ADDRESSES, PHONE NUMBERS, HARD INQUIRES, EMPLOYERS. ACCORDANCE WITH USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE NAMES ETC TO BE REPORTED ON MY CONSUMER REPORTS. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE FRAUDULENT ITEMS IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am writing this formal complaint against Experian and XXXX XXXX to bring to your attention the persistent and unresolved issues related to inaccuracies in my credit reports. Despite submitting multiple dispute letters pointing out account errors, Experian and XXXX XXXX has failed to correct or delete the inaccurate information, as mandated by federal law. 

I have attached copies of the dispute letters I submitted along with the corresponding documentation supporting the accuracy of the disputed items. These documents clearly demonstrate that the information reported by Experian and XXXX XXXX is incorrect and in violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA stipulates that credit reporting agencies must ensure the accuracy of the information they furnish and maintain. Section 607 ( b ) of the FCRA explicitly states that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, if a consumer disputes the accuracy of any information on their credit report and provides supporting documentation, the credit reporting agency is obligated to investigate and correct any inaccuracies within 30 days. 

It is disconcerting that Experian and XXXX XXXX has not adhered to these legal obligations, and as a result, my credit report continues to reflect inaccurate and damaging information. I believe Experian and XXXX XXXX are in violation of the FCRA, and this persistent negligence has significant consequences for my financial standing and creditworthiness. 

I would like to draw your attention to the potential legal consequences Experian and XXXX XXXX may face for knowingly reporting false information. According to the FCRA, individuals who willfully fail to comply with the requirements of the Act may be liable for civil penalties, with costs ranging from {$100.00} to {$1000.00} per violation. Moreover, Section 616 of the FCRA allows individuals to pursue damages in a private lawsuit for willful noncompliance, including punitive damages, attorney 's fees, and court costs. 

I request that the XXXX XXXX XXXX investigate this matter thoroughly and take appropriate action to ensure that Experian and XXXX XXXX corrects the inaccuracies in my credit report as required by law. I also urge the XXXX  to consider the legal consequences Experian and XXXX XXXX may face for their willful noncompliance with the FCRA. 

Thank you for your attention to this matter. I trust that the XXXX  XXXX XXXX will take prompt and effective action to rectify this situation and hold Experian and XXXX XXXX accountable for their violations.