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

Deposited a cashiers check and a 7 day business hood was put on it. Per federal government a cashiers check should not be placed on hood in excess of two days since the money is deemed available. The bank never called to verify funds as the number to the financial institution was on check. They have caused great financial distress by making me late with rent. This was a cashiers check not a personal check they labeled the check as doubtful collection when I have never had any fraudulent activity on my account since opening my account they labeled me and held my funds for no apparent reason and still not understands no the excessive hood on a CASHIERS CHECK
Product: Credit reporting or other personal consumer reports

On [ XXXX2025 ], I submitted a formal legal dispute to Experian in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) specifically invoking my rights under 15 U.S. Code 1681i. This law requires Experian to : Conduct a reasonable reinvestigation within 30 days.

Provide me with a full report of their findings.

Immediately remove all unverifiable, inaccurate, or legally deficient information.

To date, Experian has failed to uphold these legal obligations. They have not conducted a proper reinvestigation, nor have they provided me with legally required notifications or corrected reports. This is a direct and willful violation of federal law.

DEMAND FOR IMMEDIATE ACTION Due to Experians ongoing and unlawful interference with my consumer credit file, I have suffered direct financial harm, including but not limited to : Denial of credit opportunities.

Increased costs for essential services.

Disruption of my personal and family financial stability.

As such, I am formally demanding immediate relief through one of the following remedies : 1. Complete and verified restoration of my credit profile to accurate, lawful, and unblemished standing within 15 days. This must include the removal of all disputed items which Experian has failed to validate in compliance with the law.

2. Direct and immediate disbursement of compensatory damages in the amount of {$88000.00} representing both the financial harm suffered and punitive damages for the willful neglect of federal consumer protection law. This disbursement shall be delivered directly to my verified bank account or by overnight cashiers check.

If Experian fails to comply within the timeframes stated, I will have no choice but to escalate this matter to federal court for full enforcement under the FCRA and 15 U.S. Code 1681n, which grants me the right to seek actual damages, punitive damages, and attorney fees.

The record will clearly show that Experian has acted in bad faith, with reckless disregard for my rights, and with clear intent to obstruct my access to financial opportunity.

I expect the Consumer Financial Protection Bureau to take this matter with the seriousness it demands and act immediately to secure my lawful rights, financial restoration, and compensation.
Product: Credit reporting

This account has been Paid in Full as of XXXX, 2015. Please remove this erroneous account from my credit file.
Product: Credit card

This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent
Product: Credit reporting

I have disputed inaccurate information on my credit file with Transunion, I have on numerous occasions requested that they please verify that these are my accounts by validating my signature that i have a contractual obligation to pay these accounts that I do not recall owing these creditor.1 ) XXXX for XXXX, XXXX for XXXX and XXXX XXXX. I sent several certified letter to validate this information with my signature which they have not but they continue to verify this inaccurate information on my file.. please help
Product: Money transfer, virtual currency, or money service

I wired money for a rental down payment but found out a few days later it was a scam. Attempt to do a XXXX recall was unsuccessful and now I am just out {$XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous and unaccounted for inquiries on my current credit reports which I have no knowledge of and have pursued this with Credit agencies without success. Could you please present me with a solution for eliminating these inquiries ( XXXX ) from my credit report. Derogatory remarks which are directly related to a worldwide disaster in which I had no choice due to a pandemic, is this how our Government treats it's citizens. Thank You XXXX XXXX
Product: Mortgage

We have had a financial hardship and tried to work with Wells Fargo to get a loan modification. We have worked with them over the past 4 months only to be told there was nothing they could do and put the property into active foreclosure status. The company has not been responsive to explain why the modification was not approved when provided additional information. They have not returned my preated calls and I feel like we are geeting the runaround. The whole process has been very frustrating on top of the stress of potentially loosing the house in foreclosure. They have not reached out to us to work out any other solutions. The last time I called, which was on Monday XXXX XXXX, 2015, I was told they have a policy to return call within 48 hours. That time has passed. I feel like they are not observing the foreclosure protections that have been put into place to protect homeowners by being responsive and finding solutions other than foreclosure.
Product: Debt collection

I received an email about a debt of XXXX from TrueAccord XXXX trying to collect money from an account I do not owe! Address XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX They have the incorrect name and incorrect address. I have not been had a maiden name for 15 years maybe longer and I have not lived at the address in almost XXXX. This is considered a skeleton debt ( if it was even owed? ) that these bottom feeders are trying to scare people into paying because they are awful people! I DO NOT OWE THEM OR ANYONE FOR SAID DEBT. Obviously, the last bottom feeder XXXX XXXX could not provide the information requested so neither will this company! This should be illegal when the documents are non-existent and I am sick of this. It is costing me time and money. Where is our protection for scum like this? STOP CONTACTING ME
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'm writing in regard to Zions Debt Holdings, LLC. I was on a call with an agent on XX/XX/XXXX where the agent promised me a settlement amount of {$300.00}. I called back today XX/XX/XXXX to pay the agreed upon amount and was told there was no record of that information. After management pulled the recorded call from XXXX, they were able to verify this was the information given to me, but instead said that they had " mistaken my account with someone else 's '' even though verifying information is required before continuing a call with them. When I asked for a copy of this call, they refused, and the general XXXX XXXX XXXX stated that he " doesn't care how many times I request it '' he " will never give it to me. '' I asked for the supervisor ahead of him and he refused to provide me with any contact information. When I was dissatisfied with the service and tried to explain to him that I submitted supporting documents confirming my account with the original creditor was closed in XXXX, XXXX told me that " excuses are like buttholes '' and that I should " take some responsibility in your life and pay the amount. '' In reference to the cancellation, I provided an email correspondence between the original creditor and I where I requested the service to be cancelled and XXXX messages confirming the receipt of my cancellation request. To my knowledge, the requests confirmed my account cancellation, but XXXX alleges that if the original creditor made a mistake after sending me confirmation, I am still responsible for the bill. I still offered to pay the {$300.00} to just remove this from my records but XXXX let me know that the " {$300.00} doesn't go in his pocket '' and that he " doesn't care '' and still insists I pay the entire amount. XXXX also informed me there was no way I could get in touch with the supervisor, owner, or anyone further and advised me to give up and pay.
Product: Debt collection

XXXX XXXX XXXX. A negative mark because the card was closed. I gave no such permission to close a card I never knew I had in my possession.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I noticed two fraudulent XXXX withdrawals on my Bank of America account for {$3500.00} and {$1000.00} on XX/XX/2022. I called BOFA XXXX fraud department and reported the crime. 

I told them I have no idea how the criminals accessed my account. Perhaps, phone or fishing attacks. BOFA never provided me with any claim number or any way to provide further info. After 10 days they closed the claim and denied fraud by saying I have authorized the transactions through text. I did not. I have no " proof '' as I was the victim of a crime. 

They have provided me no help. Under Regulation E BOFA is required to protect me from crime and fraud. 

Please help me get BOFA to do their job.
Product: Debt collection

I recently acquired a copy of my credit report 's reason why I found out about this alleged debt with COLLBUREAU. I pay my bills directly to XXXX XXXX so I don't understand why COLLBUREAU is collecting {$900.00} from me. I do not owe COLLBUREAU any amount and this account should be removed from my credit report. I would like to request for validation of this debt. They need to verify first if balance is valid before they collect money from the customer or if the customer still owes anything from the creditor. Any collection agency should be very careful about putting debt or negative remarks on the customer 's credit report that causing financial and reputation harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$5100.00} DEPARTMENT OF CHILD XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I cling to sending plentiful sets of letters to Transunion so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please DELETE the account ASAP : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a credit card fraud case where my Bank of America debit card was stolen from my bedroom. The debit card was used online for purchases and also at ATM 's to withdraw money. The first transaction occurred XX/XX/XXXX at XXXX XXXX XXXX XXXX and the last transaction was on an online purchase on XX/XX/XXXX. The total amount lost was a little more than {$6000.00}. 

My claim was denied a couple of weeks later. The bank claimed that I must of given my information out for someone to be in possession of my card and pin number. I then did my own investigation and discovered that someone stole my banking information and was logging into my bank account and changed my phone number on the account. The bank claimed that they had blocked the card because of suspecious activity and that someone called to unblock the card. I then told them to go back and listen to the audio so they can see that the person that was claiming to be me was not in fact me. I was then told that it had to be me because I was logging in to the account. I then told them that I've never even created an online account and that they should check the IP address to see that it was not my IP address login into the bank 's website. I was then told that I must have made the ATM withdrawals because my pin was used. I then told them that it was not me and that they can obtain the ATM footage to see that it was not in fact me. I was then told that I need to go obtain that footage and send it to Bank of America. I then told them that it would be impossible for me to obtain that footage because I am not law enforcement. 

I've filed a police report with the XXXX XXXX. Police department in XXXX NJ a week after the incident occurred. 

My claim has been denied twice, BOA claim that there were no issues with my account and that I authorized the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing the because I have reached out to the credit bureaus about inaccurate information on my credit report and I have not been getting any response back In accordance with Fair Credit Reporting Act XXXXt Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit reporting or other personal consumer reports

I did not give 1st Franklin Financial any permission or permissible purpose to share my information with a 3rd party company like the CRA 's. I have a right to privacy according to 15 USC 1681, 1692, and 6801. My private information such as my personal loan information, should remain private and not shared with a non aliated 3rd party company. 1st Franklin Financial has shared my information and reported my private information without my consent which is classied as aggerated identify theft. I did not give this company permissible purpose to shared or report any of my information on my consumer report. As a consumer 1st Franklin has an obligation to protect my personal non public information. Pursuant 15 USC 6802 1st Franklin is not obligated to report or disclose any nonpublic personal information to a 2rd party company that has no aliation with 1st Franklin unless they provides me a notice that complies with section 6803 of this law/ I have never received any notice from them.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX - XX/XX/2024 XXXX  XXXX - XX/XX/2024 Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Debt collection

I have been trying to resolve this for months! On XXXX19, I contacted the original creditor who found that this billing was handled through my Medicaid benefit and was involved in litigation. The original creditor contacted the debt collector who had the item removed from my XXXX  credit report but refuses to remove it from my XXXX  credit report. The debt collector insists that they can not remove the debt no matter what proof I offer up. XXXX   has supposedly investigated this item twice and also refuses to review my disputes thoroughly to find this error and correct it! I have never received a bill for any of this as the bills were sent to Medicaid and my attorney. Additionally, my attorney has attempted to get this resolved through the original creditor as well as the debt collector. This should not have been reported to collections and debt collection should not have been pursued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX on my TransUnion Credit Report is reporting a payment made on this Charge Off account on XX/XX/XXXX for {$51.00} last payment made on this account was XX/XX/XXXX. This account has not had money sent to it from myself and has been in charge off status since XXXX. Each month they also report activity with Charge off/missed payment. The credit limit listed is {$1500.00} and they are reporting a balance of charge off is {$2000.00} I have disputed this account multiple occasions violating my consumer rights and this company still inaccurately reports damaging my credit score and report.
Product: Vehicle loan or lease

I returned my Kia lease at NJ XXXX XXXX dealership on XXXX. I paid the final bill on XXXX to KIA Finance. I was given statement by KIA that my account is closed and paid in full. Subsequently, later that month I received bill for overage miles and lease return fees, I quickly called to inquire and was told thats just an error based on delay in billing. I was again sent a paid in full letter on XX/XX/23 to reassure that my account is closed and no further payment is necessary. XX/XX/23 I was notified that my credit report was impacted due to supposed unpaid balance from KIA finance. I called KIA finance to inquire and was told the account is closed and paid in full and there is no known bill or way to pay. After endless time energy and hours on the phone with conflicting reports from different representatives, being ping ponged back and forth to various departments I was told the bill is valid but even though I had no way to possibly know about the bully or pay it until now because of their dysfunction and error I would still be liable as though it was overdue. I am not even disputing the validity of the charge rather the fact that my credit was now impacted by a bill that I was unaware of and unable to pay because of KIA finances awful delinquencies. Additionally none of the information post on my account is accurate or reflective of what I paid. For example the last paid in full letter I received ( the link to the paid in full letters expired so I had to request a copy of the letter again once I couldnt access it ) this letter was different than the previous and stated my final payment was in XXXX XXXX which is entirely inaccurate ( I had closed the account in XXXX and my final payment was {$600.00} ).