23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized, credit inquiries listed on my transunion account I have attached copies of these inquiries to this complaint. 
I have tried to contact the creditors and transunion to fix this issue and neither have been any help
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i sent a letter regarding inaccurate and unknown things on my credit report. till this day over 19 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 605B ( 15 U.S.C. 1681c-2 ), it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of, appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. A failure to investigate these items within 19 days gives a reason to immediately remove those items from my credit report, it has been over 19 days so they should be deleted promptly. I demand these accounts 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 complaint # XXXX which is attached.
Product: Debt collection

I contacted the company XXXX and Credit Control LLC in regards to bill of {$78.00} and XXXX said that they would not give me any information in regards to an account and that I just needed to pay the bill for a service I have never have had with them. I am requesting the following below. 

Subject : Cease and Desist Demand Regarding Debt Collection Activities Dear XXXX  and Credit Control LLC, Re : XXXX I am writing to formally notify you that, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately cease and desist all communication with me regarding the alleged debt referenced as XXXX I am aware of my rights under federal law, which includes the right to request that all debt collection efforts stop. I expect no further contact from your agency, including but not limited to phone calls, letters, emails, text messages, or third-party contact regarding this matter. Any further attempts to communicate with me, except to confirm compliance with this request or to notify me of specific legal action you intend to pursue, will be considered a violation of the FDCPA. 

Please consider this letter your final warning to cease all collection activities relating to the alleged debt. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I refinanced the Hyundai Finance auto loan with XXXX XXXX XXXX XXXX ( XXXX  ). Hyundai Finance said they did not receive the first pay off check of {$48000.00}. I had to get a new pay off check issued from XXXX and it took over a month for Hyundai to credit the payoff. Meanwhile I was paying daily interest on both auto loans at the same time with the Hyundai loan being 11 % interest ( about {$15.00} per diem ). Since it took over a month for Hyundai to credit the payoff I had to make two more car loan payments to them while I started making payments to XXXX as well. I over paid {$1300.00} to Hyundai Finance. The original pay off check from XXXX was more than the pay off because of the two payments I made. It has now been since XX/XX/XXXX since Hyundai assured me they were sending a refund for the {$1300.00} to my bank XXXX. I just called Hyundai again today and they have informed me that only the original refund check was sent on XX/XX/XXXX. They have lied to me over the phone multiple times since then and assured me that they re-sent the refund check. Hyundai Finance is not being honest and is basically refusing to refund the money that I overpaid on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Sent : XX/XX/2023 Company : XXXX XXXX RE : Account # XXXX - {$670.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Product: Credit reporting

Equifax is reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include 'Serious Delinquency. ' This has been reported to XXXX different financial institutions this year. After each time I have tried contact Eqifax by phone with no luck. On XX/XX/2016 I wrote a letter to Equifax and included a copy of the adverse factors I received from the XXXX institutions. Nothing happened. I got no reply and it was again reported this month to the third institution. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get Equifax to stop from sharing false information as it is hurting my credit. We wanted to refinance our mortgage, but this 'Serious Delinquency ' has really hurt our chances. 
I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... NEVER LATE. Because of attempts to correct this issue we now have had a lot of inquiries as it is the only way to see these adverse factors. 
please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : ARS ACCOUNT RESOLUTION, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX ..., REPORTING ON : XXXX, XXXX  AND XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I contacted XXXX XXXX XXXX # XXXX spoke to XXXX XXXX he confirmed the Creditor XXXX even had WRONG SOCIAL, DOB only thing they have is my same name. This is not my account I do not have XXXX and have had the same phone service last 9 years! He assured he would take care of this matter and remove from my credit report. I never received confirmation and contacts bureaus. 
Today XX/XX/XXXX I call to check status speak to XXXX XXXX and he says he doesnt know anything he cant do anything but say my information doesnt match! Then remove! This is illegal and doesnt go by the law.
Product: Checking or savings account

On XX/XX/year>, I visited two different branches of Bank of America with the intention of opening a new bank account. I am an XXXX national holding an XXXX XXXX. During both visits, I provided the required documentation as outlined by Bank of America. 

First Attempt : I submitted the following documents to open an account : Passport Social Security Card ( showing my U.S. address ) Form I-94 Banks Response : The branch informed me that the Form I-94 was not sufficient for opening an account and that additional documentation was required. indicated that my application could not proceed without further verification.

Second Attempt : Action Taken : I went to another branch with these documents : Passport Social Security Card ( showing my U.S. address ) Form I-94 Form I-797 ( Notice of Action ) Banks Response : Despite providing the additional Form I-797, the branch staff informed me that my XXXX XXXX status, in conjunction with my XXXX  nationality, was not acceptable for opening a bank account. My application was declined solely based on my nationality and visa type, without a clear or justified explanation. 

Throughout both attempts, I adhered to the list of acceptable documents provided by Bank of America and followed all instructions given by the branch staff. However, I was ultimately denied the ability to open a bank account solely based on my XXXX nationality and XXXXXXXX XXXX status, without a transparent or valid reason.
Product: Mortgage

I applied for a refinance of my mortgage and the agent just kept telling the fees were all rolled in and I didn't need to worry about the breakdown. Over and over. Even after I suggested she did have enough information to send a real estimate she declined. 


XXXX XXXX - AmeriSave XXXX XXXX XXXX  ( 24 minutes ago ) to me XXXX XXXX! 

here is what I suggest doing for you! 


30 year fixed : Consolidating your $ XXXX second loan 5.5 % - loan costs : {$8400.00} ( rolled in ) Payment : {$2200.00} ( {$210.00} less than currently paying per month ) XXXX XXXX Loan Originator XXXX ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX  XXXX & XXXX XXXX TX XXXX XXXX Desk XXXX Fax XXXX Visit my personalized webpage : https : //homelending.amerisave.comXXXX A referral from a friend, past client, or colleague is the highest compliment I can ever receive.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
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 be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2016 I faxed a letter to TransUnion with a copy of a letter that was returned to me as undeliverable with the address that was on my credit report. I asked them to remove XXXX from my credit report for inaccurate reporting. Nothing has been done yet. I have called and confirmed that they received the fax. They are refusing to delete and breaking the FCRA law.
Product: Mortgage

I have contact Wells Fargo on many occasion to correct credit report and they will not.
Product: Debt collection

Convergent Outsourcing is attempting to reage an account that is beyond 7 years of collections. This account has already been settled.
Product: Credit card or prepaid card

I was buying a ticket at XXXX XXXX. While I was doing that - this offer came in between which literally meant that apply for the XXXX XXXX XXXX Credit card from Citi and you will get {$100.00} credit.
Later I come to know that it 's not the case. Neither I am getting {$100.00} as statement credit but i will have to pay for the annual fees also. This is misleading and clear violation of UDAAP.
When i called the customer service they told me to get {$100.00} credit - i need to buy something on XXXX Why in the world they flashed such a fake commerical/advertisement? I could have used this card provided after the approval - they have immediately shared the Credit Card details ( just the way XXXX XXXX does it using it 's mobile wallet app )
Product: Checking or savings account

On XX/XX/2023 my checking and savings accounts were closed by Bank of America without explanation. I was informed of this after discovering I was unable to access my online banking portal, and called customer service to discuss how to access my account. 

At the time of the closure of my two accounts I had two banking disputes with Bank of America : First, on XX/XX/2023, I authorized my wife to make a cash deposit into my checking account at a local Bank of America. She used their ATM. The cash amount to be deposited was {$3700.00}. In the process of depositing the cash, the ATM screen froze, an error message appeared, and the machine dispersed {$630.00} only. The ATM went back to the home screen. Since then, there was no indication that the remaining {$3100.00} was deposited into my account. My wife and I called the bank and initiated a formal dispute for the missing funds. On XX/XX/XXXX I received a message that our dispute/claim was denied with no explanation. 

Second, on XX/XX/2023, I received a message informing me that there was suspicious activity on my account. There were three charges from an online betting website out of XXXX, NY. A company I'd never heard of. I confirmed these were unauthorized transactions. Two of the transactions were denied, and never charged to my account. The third was charged to my account - a {$150.00} charge. This disputed charge was still taken from my checking account when the bank closed my accounts. 

I called Bank of America several times to discuss these issues, where I spent long periods of time on hold, being set from one department to another, without any substantive discussion of the issues/disputes. Finally, when I was informed that my account would closed, the representative simply read a route message indicating that I agreed that Bank of America can close my account without explanation, and they have decided to do so. 

It is extremely clear that I am powerless on my own in this situation, and need help. I was a Bank of America customer for over ten years prior to these incidents without any issue. That they cancelled my account after these issues came up, is deeply disconcerting. I am now left with no means to access my funds nor pay my recurring bills.
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. 

Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct XXXX XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX  XXXX, Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX  Acct # XXXX Acct name : XXXX XXXX  XXXX Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX XXXX Acct # XXXX Acct name : XXXX XXXX XXXX  Acct XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. My social security card and id was stolen on XX/XX/XXXX. Since then i have notice multiple accounts and inquires appear on my credit report. The following accounts and inquires were not authorized by me and are in fact fraudulent. 

Creditor : XXXX XXXX Account number : XXXX Balance : {$950.00} Creditor : XXXX XXXX  Account number : XXXX Balance : {$550.00} Creditor : XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

In XXXX I open a savings account with XXXX $ a few months after that I saw that my savings account was depleting and I called in to ask what was going on and I was told that it was some sort of monthly service fee that was not explained to me at the time of me opening my account. I tried to pull XXXX out of my savings, and my acct was locked and then I got hit with an overdraft fee I have kept minimal monies if any in that acct since then.
Product: Checking or savings account

My company banks with Chase. I mailed out a check for {$6000.00} to my vendor Check # XXXX. The Check was stolen out of the mail and mobile deposited into a XXXX XXXX  XXXX XXXX account. The name on the check is not the person that deposited it. I opened up a claim with my bank Chase on XX/XX/XXXX. On XX/XX/XXXX I received a letter that I need to provide more information. I filled out the paperwork and sent that in. Chase confirmed receipt on XX/XX/XXXX. Chase mailed a letter to me saying XXXXXXXX XXXX XXXX XXXX is responsible for repayment, it also said they have reached out to XXXX XXXX  to resolve. I called Chase several times between XX/XX/XXXX - XX/XX/XXXX and was told that XXXX XXXX  is not responding to any of the requests and they have until XX/XX/XXXX to respond. Chase sent a letter dated XX/XX/XXXX saying that the Chase is closed the claim due to XXXX XXXX  not responding, and that if I wanted to recover the money I would have to reach out to XXXX XXXX  XXXX XXXX. I reached out to XXXX XXXX  on the phone XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Each time I am told that the fraud department would reach out to me. Not one time did they reach out. I started a claim at XXXX XXXX  XXXX XXXX I was told that the case was closed due to the fraud department did not respond to the customer service. XXXX XXXX  also says that they do not show any record of Chase reaching out ever for my claim. I was given an email that chase needs to send their request to XXXX I called chase on XX/XX/XXXX to let them know that I had had an email that they could request the information to. I also asked Chase to see what contact information they had for XXXX and was told they will not give me that information. Chase refused any further help and I was told they have taken all the proper channels of trying to contact XXXX XXXX  and there was nothing else the could do for me. Both Chase and XXXX are telling me that it is past the 90 days and they wont do anything. I filed a claim within the 90 days. both Chase and XXXX XXXX  failed to do their due diligence to rectify this banking mistake.