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

I opened a new business checking account with US Bank  and was to get a {$500.00} bonus if I deposited {$3000.00} into the account and kept a balance of that amount for at least 60 days. 

The fine print was the following : New Customers : XXXX code XXXX MUST be used when opening the business checking account. 
Limit of XXXX business checking bonus per business. 
A {$100.00} minimum deposit is required to open a U.S. Bank XXXX, Gold, Gold with Interest or Platinum Business Checking account. 
Earn your {$500.00} business checking bonus by opening a new XXXX Bank XXXX XXXX XXXX, Gold Business Checking, Gold Business Checking with Interest or Platinum Business Checking account between XX/XX/2023 and XX/XX/2023. 
You must make new money deposit ( XXXX ) of at least {$3000.00} ( Direct, Mobile Check Deposit, XXXX or Wires ) and then maintain a balance of at least {$3000.00} through 60 days after account opening. 
The new money deposit can not be funds held by U.S. XXXXnk or its affiliates.
Product: Credit reporting or other personal consumer reports

These accounts are not mine. I have contacted the credit bureau ( experian ) multiple times, I have submitted a FTC identity theft report as well as filed a complaint with my State Attorney General. These are fraudulent accounts. Please remove them from my report ASAP. Please note none of these affirm accounts show up on my XXXX and XXXX report as they are aware these don't belong to me. Thank you.
Product: Credit reporting or other personal consumer reports

Since 2020, I have been disputing a debt with all three credit bureaus. In XXXX, I sent certified dispute letters to all three bureaus, along with all required documents, including my ID and Social Security number. XXXX returned the certified mail green card but has not provided any response regarding the dispute. I have not received the certified return card from XXXX or Experian. XXXX has repeatedly stalled, asking for more information despite receiving everything they requested. 

I also disputed the debt online, but the investigation results came back as accurate and validated. When I contacted Experian to ask for documentation on how they validated the debt, I spoke with a representative who was very rude. She informed me that they use an automatic system for disputes and that she was not allowed to share any information about how the debt was validated. 

Under the Fair Credit Reporting Act ( FCRA ), 18 U.S. Code 1028, 15 U.S.C. 1681b, and 15 U.S.C. 6802, I have the right to dispute inaccurate information and to receive documentation validating the debt. I have repeatedly asked for the validation of the debt, including the original purchase agreement, payment history, and proof that the collection agency is licensed to legally collect the debt. Both the credit bureaus and the collection agency have refused to provide this information, which is a violation of my rights under these laws. 

I respectfully request the immediate removal of this debt from my credit report, as the bureaus and the collection agency have failed to comply with federal regulations and have repeatedly violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/19 pulled credit with out my permission I did not give them permission to run or sign no contract agreeing to running ( HARD CREDIT ) XXXX very deceptive. I have also file a complaint with the US Attorney office as well on XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 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
Product: Debt collection

Account Name : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX A ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Debt collection

See attached correspondence dated XX/XX/XXXX, by XXXX XXXX. In their letter, XXXX XXXX alleged that the original Lender XXXX endorsed the note to Countrywide Bank N, A, who later filed an insurance claim on XX/XX/XXXX. A closer look into the note reveals that the original lender homecomings never endorsed the note to Countrywide Bank N, A. The note reflects two false and forged endorsements. The note reflects an allege endorsement from XXXX XXXX XXXX to Countrywide Bank, N, A. This endorsement is false because XXXX XXXX is a defunct corporation since XX/XX/XXXX, The birth of the loan was on XX/XX/XXXX, which means that XXXX XXXX could not have endorsed the note to Countrywide Bank N, A, because they had closed for business 6 years BEFORE THE CREATION OF THE NOTE ON XX/XX/XXXX. How can a company who no longer exist and closed able to make an endorsement????? How???? How is it possible????? Only by engaging in fraud. Countrywide could not have made an insurance claim on XX/XX/XXXX, because Countrywide ceased to exist as a Corporation since XX/XX/XXXX. At this juncture we are asking countrywide to explain how the endorsement from a defunct company ( XXXX XXXX XXXX was able to name them on a note???? How is this possible when the lender closed on XX/XX/XXXX, before the birth of the loan on XX/XX/XXXX????? What came first XXXX or XXXX????
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit Inquiries on my credit report over the past two years I didnt apply or authorize for any credit company to access my credit from XX/XX/XXXX to XX/XX/XXXX
Product: Checking or savings account

I am writing to report an ongoing issue regarding the closure of my debit card account and the non-receipt of my check from Bank of America. my debit card account was closed without any explanation, and for over six months, I have repeatedly inquired about the status of my check, which amounts to approximately {$600.00}. Each time, I was informed that the check had been sent to my current address which is. As of today, I have not received it. The most recent update I received was that the check was sent on XX/XX/year>, but the bank has refused to provide any tracking number or proof of mailing. 

Throughout this process, I have contacted Bank of America multiple times requesting updates and verification of the checks status. However, despite repeated assurances that it had been sent, no concrete evidence or tracking details have been provided. Given the prolonged delay and lack of transparency, I request immediate clarification on the status of my check, along with a tracking number or proof of mailing. If the check has not been successfully delivered, I urge the bank to issue a replacement using a secure and verifiable method. I appreciate prompt attention to this matter and look forward to a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX XXXX   XXXX {$470.00} BANKRUPTCY XXXX {$0.00}
Product: Checking or savings account

I have had a chase bank checking account for 20 years. Last week a scammer broke into my account and stole XXXX XXXX I told the bank immediately the charge was not valid and reported it. 
They are refusing to investigate because they say I need to prove its not from me. 
That is crazy as I am not a forensic accountant and I told them immediately the charge was fraudulent Please help me I can not fight this huge bank alone
Product: Credit reporting or other personal consumer reports

Recently checking my credit report and I've noticed that I've been a victim of identity theft and found credit inquiries I have no knowledge of here are the inquiries that I've found : 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 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/year> Please remove fraudulent inquiries from my credit report.
Product: Bank account or service

Citizens Bank after advising me repeatedly that they were closing my savings account due to them wanting to discontinue the business relationship ; has in fact unfairly, held my savings account funds and all the while they earn interest daily on my funds nightly that they are holding. Are they paying me any interest? What you think? 
They have not provided me with a firm date that they will release my money and after going inside to visit 2 or 3 area branches ; no manager, banking representative or online banking customer service rep can help me. 
I have made a formal complaint # XXXX with their " Office of the Chairman '' dept at Citizens Bank, however, it could take many days or weeks and I ( being a senior citizen ) need my money right now! 
Please force Citizens Bank to release my {$150.00} they have frozen in my savings account before I drag their name through the mud and XXXX, XXXX, the Internet via XXXX etc, social media, talk radio, blogs, my church community and every where else that I can. I will fast and pray and not eat until they are destroyed and are bought by some other bank which would be more sensitive to seniors
Product: Debt collection

My mortgage is being serviced by Bayview. I 've been charged a " rec corp advance '' fee ( {$140.00} ) which I am told is due to a recent appraisal of my home. This is not on the national schedule of fees, I never agreed to it, and they have refused to take it off my bill. 

I 'd like it removed from my bill.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the grace period : My records indicate that the payment for the due date in XX/XX/XXXX and XX/XX/XXXX was submitted on time, which falls within the creditor 's 15-day grace period. This makes the " 30 days late '' reporting inaccurate.

No notification of delinquency : I never received any notice or communication from XXXX XXXX regarding a delinquency, which is required by law before reporting a late payment. 
Evidence Provided : I have attached bank statements showing the payment was processed and confirmation emails from XXXX XXXX verifying the receipt of the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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. There's late payments on my accounts and i want the late payments to be removed immediately from the account under 15 U.S.C 1666B 15 U.S. Code 1605 - Determination of finance charge. There is also inaccurate information that's reporting thats hindering my report. 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 : Remove these unauthorized inquiries that weren't consented. 
XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Please remove these inquiries.
Product: Vehicle loan or lease

American Credit Acceptance has not sent me a statement in over two years. After their first of two repos, they stopped sending anything and have locked my online account. All I can do is pay by phone and only can make what I assume I owe for the month. I have zero idea of my balance, if I have missed payments, nothing. I have been paying {$600.00} per month, while being charged a {$6.00} fee to pay. They keep sending emails about repo, even with payments made.
Product: Debt collection

I returned a leased vehicle in XXXX 2017. When I returned the vehicle, I informed the dealer that my address was not current, but he told me not to worry about it.
Today, I was contacted by a debt collector on behalf of Nissan Motor Acceptance Company. Because this was the first I had ever heard of any outstanding balance, I requested verification of the debt. The collector told me that they had sent verification but would not tell me to which address they had sent it. She directed me to NMAC.
I called NMAC and, as predicted, they had mailed the invoice for a {$400.00} lease disposition fee to my old address. Despite having my email and phone number, NMAC did not try to reach me by phone or email and did not recognize that their mail was being returned. Instead, the first contact I received about an alleged debt was from a debt collector. I am unsure if this has impacted my credit report, but I should not suffer harm because of NMAC 's incompetence.
Product: Mortgage

The Atty. at XXXX XXXX XXXX XXXX XXXX, refuses to call or write back to me up to this point. I have repeatedly called and texted him, and his associates..!! They forced me into signing an Illegal settlement agreement that I was total against, from the beginning..!! I was told that if I did not get it signed and notarized that the Lender would not help me and foreclose immediately.! They are claiming that they did n't receive any of my necessary paperwork.!! I have sent it to them twice already and faxed to the lender many times in the pass with no reply.. At this point I believe they have been paid off and can careless if I can get my loan mod. re-instated or restructured or not! which is not fair too my Family!! I have been television for this situation! and thought it was settled.!! THE XXXX XXXX XXXX XXXX.!! They are letting the clock run out on me, on purpose.. They wont tell me who to talk to at my lender..I have called the opposing counsel, the want respond to me.. my lender say they cant talk to me, because of the lawyers ...! If this is not resolved before my sale dated I will have to file a LAWSUIT ON BOTH MY LAWYER AND THE LENDER..BECAUSE I DONT HAVE A CHOICE..!
CAN SOMEONE PLEASE SEND THIS TO BOTH XXXX XXXX/ OF XXXX XXXX CA .... NATIONSTAR MTG..OF TEXAS ...!!
Product: Debt collection

On XX/XX/2016, I bought a XXXX contract at Target that included a Galaxy S5 cell phone. The phone HAD TO BE returned within 2 weeks to cancel the contract. I found XXXX 's rates too high and their service unreliable. Just before I bought the phone, customer service told me that this would not cause my rate to rise. After I bought it, they changed their minds. The new rate for the XXXX phone would have been over {$1000.00} per year. On XX/XX/2016, I returned the phone to Target before the XXXX deadline and got a receipt ( see p. XXXX of XXXX ). XXXX has been lying about the return date and billing me for an " early termination fee '' ever since, in spite of repeated attempts I made to correct this ( p. XXXX of XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts DP OF EDUC XXXX Balance : {$13000.00} DP OF EDUC XXXX Balance : {$8700.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$8700.00} DP OF EDUC XXXX Balance : {$8900.00} DP OF EDUC XXXX Balance : {$6000.00} DP OF EDUC XXXX Balance : {$7700.00}
Product: Checking or savings account

This company is refusing to give me my money and refusing to reopen my account I have contacted them everyday and they refuse to respond to me or give me insight on my funds they need to unlock my account immediately and let me withdraw my money my phone is XXXX last four of ssn XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear XXXX, XXXX, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Self lead bank Amount : {$1600.00} Party Owed : XXXX XXXX card Amount:XXXX I am disputing this claim due to : Payments never were late This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed mav be additional evidence to support my claim. 
Sincerely, XXXX XXXX
Product: Debt collection

I had cellphone service through XXXX XXXX AKA XXXX XXXX. I called them back in XXXX/2014 I am not exactly sure, and I requested the service to be cancel, because I start a new service with XXXX XXXX XXXX. I paid over the phone what they told me it was my outstanding balance, and then, a few weeks later I received a new bill which I dispute with them, but they never resolve, and instead the send me to a collection company ( MCCARTHY, BURGESS & ) who harassed me for several months. I will not accept this charges, because they gave me a payoff amount when I contacted them to close the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX Closed my credit card account stating my credit worthiness was bad. I wanted the account closed due to fraudulent charges which they state do not exist. I filed a police report and submitted it to XXXX XXXX which they state I never did. Thats a flat out lie. 
Im glad they closed my account as I requested. My problem is that they continue to report late payments to the credit bureaus XXXX  and Experian. These reported late payments should not be reported to my closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] these creditors violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Payday loan, title loan, personal loan, or advance loan

My payment due for XX/XX/XXXX from Citizens Bank was scheduled for XX/XX/XXXX. I tried making the payment on XX/XX/XXXX but there was some technical issues with their site. So it wouldnt allow me to submit the payment. I had to wait until the next day to submit my payment. Citizens Bank has reported my account XXXX days late even though my payment was submitted before my next due date.