23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX my husband deposited {$400.00} through a Chase branch ATM at XXXX XXXX Florida XXXX at around XXXX. He read and took with him the receipt but ended up misplacing it and loosing it. On arrival home he checked the account online only to find out that my bank account was closed and a negative balance of {$140.00} still remained. I called the bank right away and they confirmed my account was in fact closed and the {$400.00} were nowhere to be found. They explained that there was no deposit dropped in to my account on this day, at this time. ( The argument is that when an account is closed the ATM should not accept any money but this was not the case ). The ATM failed to notify me that my account was closed too so i proceeded to make my deposit. I went to the same branch to get someone to help me but they said for me to wait for the claims department. I sat in the XXXX branch with another representative for about an hour while he spoke to the claims department and this was useless as well. I have called the claims department at XXXX well over ten 10 times through out the last year and I get the same response every time - they are still reviewing your case, someone will contact you.
Product: Checking or savings account

On XX/XX/XXXX the bank decided to place a hold on my account for the amount of {$18000.00}. My account got in red numbers and it has been like that since that date. No further communication from the bank and my messages have been left unresponded. 

It is very hard to understand this bank 's policies : On XX/XX/XXXX I got a payment for {$18000.00}. I waited until the transaction cleared on my account and delivered the goods to the sender. 

Then, 11 days after, the sender comes to her bank to say this transaction was unathorized? When she herself went to the branch and requested the wire, how can she state it was unauthorized? 

A better question here, how can the bank take that? 

How can my bank also take that and just place a hold on my account and never calls me to ask me about the transaction? How can they investigate this without asking me anything? 

For how long can legally BofA hold this money?
Product: Credit reporting or other personal consumer reports

I Have reached out to the lender in regards to payments and incorrect information on the account in serval occasions, in XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  improperly recorded my payment of {$130.00} as a transaction instead of a payment on XX/XX/XXXX. I spoke to the company several times regarding this and the customer service manager agrees with my claim. However, they say a different department handles the credit reporting and they couldn't help rectify the false reporting. I provided them an ACH report from my bank showing the cleared payment. Because of their improper data recording this has negatively impacted my credit report and financial well being. I do not feel comfortable as a consumer with this company having the ability to report their inaccurate data on any public platform that has the ability to cause financial harm to me and my family. 

In accordance with the Fair Credit Reporting act XXXX Account 's XXXX XXXX XXXXXXXX, Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A state that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I have told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXXXXXX, Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if my bank AND their own website shows a payment was made. According to 15 USC 1681i ( 5 ), they are must modify accounts that aren't reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and I have fraudulent accounts and collections including inquiries on my credit report due to fraud. Ill file a FTC affidavit along with the other documents required to be with it. I read a article on the internet that said equivalent and XXXX is doing it he most but all 3 of my major credit bureaus only took two off from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcy information to the credit bureaus. I received a letter from the courthouse stating that they do not report bankruptcy information to anyone. So how did the credit reporting companies verify my bankruptcy as 100 % accurate? They never did a fair investigation as stated by law 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( E ) ( 3 ) States ; " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They violated my rights on numerous occasions. 

Credit bureaus violated my given rights under 15 U.S.C 1681.

According to 15 U.S.C.1681 Section 602 A States I have a right to privacy.

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

According to 15U.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: Checking or savings account

I had an account and I don't even know why my account was closed
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to remove fraudulent accounts from my credit report, despite XXXX and XXXX having already deleted these accounts after determining they were unverified and fraudulent. 
These accounts resulted from identity theft, and I have provided TransUnion with the necessary documentation, including an FTC Identity Theft Report, police report, and formal dispute letters. However, TransUnion has wrongfully verified these accounts and refuses to remove them, in direct violation of the Fair Credit Reporting Act ( FCRA ) 605B and 611.

Details of the Issue : 1. Fraudulent Accounts Reported : XXXX XXXX  - {$860.00} - Account # XXXX XXXXXXXX XXXX - {$1100.00} - Account # XXXX XXXX. XXXX XXXX XXXX Deleted These Accounts Due to Fraud : I filed disputes with all three credit bureaus. 
XXXX and XXXX determined these accounts were unverified and fraudulent and deleted them from my credit report. 
TransUnion, however, refuses to remove the same accounts, despite being presented with the same evidence. 
3. TransUnion Failed to Conduct a Proper Investigation ( 611 FCRA Violation ) : I submitted official documentation proving the accounts were fraudulent, yet TransUnion still claims the accounts were verified. 
If XXXX and XXXX found the accounts unverifiable, it is clear that TransUnion either failed to properly investigate or relied on incorrect verification from the creditor. 
4. TransUnion is Violating FCRA 605B by Ignoring My Identity Theft Report : Under FCRA 605B, TransUnion is required by law to remove fraudulent accounts when a consumer provides an Identity Theft Report.

I provided my FTC Identity Theft Report and/or police report, yet TransUnion continues to report these fraudulent accounts. 
This refusal is a direct violation of my rights under federal law. 
5. Unfair and Inconsistent Credit Reporting Practices : If two major credit bureaus ( XXXX and XXXX ) removed the accounts, TransUnion should have reached the same conclusion. 
TransUnions failure to act is damaging my credit score and financial well-being.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting on my Experian Report. 
To Whom It May Concern, I am writing to formally dispute the inaccuracies displayed on my Experian Credit Report. 
Upon reviewing my credit report, I identified multiple inaccuracies on my Personal Information being reported. 
This misrepresentation must be corrected immediately. THIS IS WILLFUL NONCOMPLIANCE. 
Legal Violations The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : - Defamation of Character - Neglect Enhancement of Identity Fraud - Violation of the Fair Credit Reporting Act. 
- Violation under 15 U.S.C 1681o Civil liability for negligent non- compliance - Violation under 15 U.S.C 1681n Civil liability for willful non- compliance - Failure to comply with 15 U.S.C 1692 ( g ) - Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports- Violation under 15 U.S.C 1681 ( i ) Method of Verification - Violation under 15 U.S.C 1681a Right to privacy - Violation under 15 U.S.C 1681c Requirements relating to information contained in consumer report.

Demand for Immediate Action I demanded that you are immediately : 1. Removal of duplicate Names and Address.

2. Update report with Correct Name and Address.

Failure to respond satisfactorily within 30 days will result in a small claims action against your agency.

I will be seeking damages for all violations, as each violation carries a statutory cost of {$1000.00} under 15 U.S.C 1692k.

I expect this letter to be taken seriously and demand that this fraudulent and defamatory account be corrected immediately. If the requested corrections are not made. I will escalate this matter through legal channels.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} I looked at my XXXX report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file if the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

Recently after several withdrawal requests for {$1000.00} - {$2000.00} were submitted by me, and denied from my bank 's ATM XXXX Using MY CashApp card ) I sent Square / CashApp an inquiry for increased withdrawal limits. This option was not available. A {$500.00} limit is INSUFFICIENT. Several friends have cashapp and are unrestricted on their withdraw limits. I have NO IDEA why those requests could be denied - since I hadn't used the card for any large payouts, or taken ANY money for myself - and there was still around {$6000.00} on the cashapp card. CashApp responded to my 'card inquiry stating that it was due to the limit on the bank 's ATM macine - but today (XX/XX/XXXX ) I went and asked the teller directly to use the card and take the cash from the bank drawer, and she stated she could not. The CashApp was blocking her access to the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, EXPERIAN, XXXX, XXXX has VIOLATED my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I HAVE the right to privacy Theses addresses and Names DO NOT belong on my credit report 1. XXXX XXXX XXXX XXXX XXXX KS XXXX 2. XXXX XXXX XXXX XXXX XXXX, KS XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$550.00}, XXXXXXXX XXXX  XXXX Balance Owed : {$19000.00}.
Product: Debt collection

I discovered a negative statement on my Experian credit report from the following company : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX The statement references a supposed debt of {$350.00}, owed to a company called XXXX XXXX. I have advised both Experian and XXXX XXXX XXXX on multiple occasions that I dispute the referenced account in its entirety. I have never heard of XXXX XXXX, and I have never used their services. 

On XXXX XX/XX/2018, I submitted correspondence to XXXX XXXX demanding that they provide me with documentation supporting their claim. To date, they have failed to comply with that demand. Experian 's response to previous disputes has been that, based on their investigation, the information provided by XXXX XXXX would remain on my report. I can only conclude that their investigation consisted solely of asking XXXX XXXX if the claim was valid, and accepting their positive response ( with no supporting evidence to prove its validity ) as truth. 

Because of XXXX XXXX XXXX 's inability to support this claim, or their failure to do so in a timely manner, it is their responsibility to remove their derogatory comment from my Experian credit report. Im not interested in the posting of a statement that the claim is in dispute. I want the claim completely deleted from my record.
Product: Debt collection

I am writing this letter due to the actions that XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX
Product: Credit card or prepaid card

I have just found out, after realizing that I have been paying interest on my credit card purchases for 2 years, that Wells Fargo has changed my credit card from a student card to their charge card in XX/XX/2020. The new card was sent to me around the expiration date of my previous card making it seem that the replacement was just for that reason. When calling to activate the card, I was not informed of the change, and the call proceeded as any replacement card activation. When I called today to resolve the issue, the banker on the line informed me that the bank has rather discontinued their student credit card at that time, and instead has just switched me into their charge card, and that given that they have sent me a letter with this information and that since I have activated my new card I have provided the bank the approval to the switch. Two years after the switch, I was actually informed of it, which if anything is a form of fraud. 
This was not my first encounter with the fraudulent banking system of Wells Fargo, but similarly, I was never informed with my right to opt out of overdraft fees when signing up for my checking account with them, but rather, the banker made overdraft fees sound as a part of the contract that I had to sign on. Even when I previously complained in person and over the phone about their multiple overdraft fees, I was never informed of my right to just opt out. I have recently closed my checking account with the bank when a banker with XXXX explained this to me as I was inquiring about opening a checking account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Items to Dispute Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$140.00} XXXX  XXXX XXXX XX/XX/XXXX {$130.00} XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$710.00} XXXX  XXXX XX/XX/XXXX {$4200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2900.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX {$3800.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX  ( Original Creditor : XXXX XXXX  ) XX/XX/XXXX {$4000.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$850.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$4200.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$380.00} XXXX  XXXX XXXX {$500.00} XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX XXXXXXXX XX/XX/XXXX {$5300.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3800.00} XXXX Payment XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX