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

My complaint is that the bank has placed an unreasonable hold on electronically transferred funds from the XXXX XXXX XXXX. I was told the funds would be held from 60 and perhaps longer. The bank claims the XXXX XXXX XXXX placed this hold over the funds. According to the XXXX XXXX XXXX they do not place holds on EFT funds at all. Furthermore, the XXXX does not notify banks when holds can be lifted from EFT funds, nor do they confirm that EFT funds were not overpaid or that they will be rescinded. According to the XXXX they would request any funds be returned directly from the recipient. Furthermore, it is my understanding that according to federal banking standards, EFT funds should be released within 7 business days. We are currently beyond this grace or waiting period. The funds were deposited on XX/XX/year>. I am requesting release of the funds immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS TOLD I BELIEVE THE DATE WAS XXXX/XXXX { GIVE OR TAKE A DAY OR TWO WITHIN THAT DATE } THAT CITIZENS BANK WAS FINALLY GOING TO CORRECT NEGITIVE INFORMATION ON ALL THREE CREDIT BUREAUS. AND GIVE ME AND MY HUSBAND A GOOD WILL ADJUSTMENT AND THIS WAS GRANTED ON XX/XX/XXXX BY CITIZENS AND THE NEGITIVE INFORMATION THAT THEY HAVE BEEN REPORTING FOR THE PAST2-3 YEARS WOULD FINIALLY BE REMOVED/UPDATED. I WAS ALSO TOLD THE SAME INFORMATION ON XX/XX/XXXX AS WELL. BUT WHEN I CALLED THE FOLLOWING WEEK I WAS TOLD THAT WAS NOT TRUE THEY WERE NOT GOING TO DO THIS AND THEY SAID THEY NEVER TOLD ME OTHER WISE. I HAVE REQUESTED SEVRAL TIMES THAT THEY PULL THESE PHONE CALLS OF THEM TELLING ME I WAS GRANTED A GOOD WILL ADJUSTMENT AND THIS WAS SUPPPOSEDLY SENT TO THIER RESEARCH DEPT. I HAVE YET TO HEAR ANYTHING I WAS TOLD SOMEONE WOULD CALL ME AND I HAVE HEARD NOTHING. THIS IS NOT THE FIRST TIME CITIZENS HAS LIED!!! I NEED THIS INVESTIGATED THIS IS DRASTICLLY HURTING MY CREDIT REPORT AND I NEED THEN TO GRANT THIS ADJUSTMENT LIKE THEY SAID THEY WERE GOING TO. I HAVE BEEN DISPUTING THIS WITH THIS COMPANY CONSTANTLY FOR THE PAST THREE YEARS A LENDER SHOULD NOT BE ALLOWED TO DO THIS TO ANYONE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have Experian validate a account theyre reporting on my credit file from XXXX XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping carful records of all actions that Experian has taken my originals letters I have made it very clear that I do not consent to e-Oscar or any other means of automated verification. Serveral letters requesting this information was delivered and received by Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have fail to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filling a lawsuit and having a judge order Experian to provide this information in the court of law.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

The amount of XXXX $ is on my report for a car that was not mine from CREDITACPT XXXX
Product: Debt collection

Capital One bank purchased as a debt buyer an XXXX account XXXX which was already in default but agreed by XXXX not to be my debt due to Identity Theft. Unfortunately in 2013 Capital One took the position that they acquired this account and started a brand new collection action. I have notified Capital One within 30 days that this was not my debt and requested validation. In addition I requested : 1 -- validation of the debt balance ; 2 -- the date this account first went into default ; 3 -- the date of very last payment received ; 4-the name and address of the original creditor who charged off this account and the date when this creditor purchased this account ; 5 -- the original application and file evidencing my signature that this was my debt.Since I never received full and detailed answers for these 5 questions, I am hereby demanding such detailed validation again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im tired. Im tired. Im tired and this is so darn unfair. I can not get a response at all. I have sent letters several times and I am getting nothing in return. So Im finally complaining about my last letters. I should attach all the letters I have sent but its way too many. on XXXX I sent a dispute to all three credit bureaus regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts with XXXX XXXX and sent them a form stating as a debtor under the fair credit reporting act they are suppose to provide me with a copy of the original creditor consumer contract that they are suppose to have on file within 30 days of me asking them to provide it for me or to be removed of my account and they haven't done so
Product: Debt collection

In XXXX I could no longer pay my XXXX XXXX credit card in California. It was from my previous marriage and was a card for our business but was in my name and after splitting with my husband he took the business and left me with nothing. I was continuously contacted from the credit card company and finally settled with them for {$300.00} which was a fraction of the over {$3000.00} card owed and in XXXX I was served a court order from a XXXX XXXX XXXX XXXX  attorney in MN  on behalf of Midland Credit Management saying I owed this debt even though it was after the 4 years legal to collect the debt in California  and was now a legal resident of North Dakota so 6 years is the legal limit and even though I had previously settled with the credit management company. Today XX/XX/XXXX I received a notice of garnishment of earning dated XX/XX/XXXX saying I owed now {$4000.00}. I just spoke with the attorney and they told me the call was being recorded they received this from Midland Credit in XXXX of XXXX which I informed them was 2 years past the legal standing to attempt to collect a debt in California  since that was where this case started and even if it went to ND it was still a year past their legal standings and the attorney told me this call was over and hung up on me.
Product: Vehicle loan or lease

I am writing to formally dispute a derogatory mark on my credit report submitted by CarMax Auto Finance, which inaccurately reflects a XXXX late payment for XXXX [ Year ]. This report is both false and misleading, and I believe it demonstrates deceptive practices and bad faith on the part of CarMax Auto Finance. 

Here are the facts regarding this matter : XXXX. My XX/XX/year> payment was made on time, in accordance with the due date. 
XXXX. The late payment being referenced pertains to my XX/XX/year> payment, which was paid in XX/XX/year>. 
XXXX. Despite my timely payment for XXXX, CarMax Auto Finance has wrongfully classified it as late due to the XXXX payments timing. 

CarMax Auto Finances reporting conflates XXXX distinct payment periods, unfairly impacting my creditworthiness. This action not only violates principles of fair reporting but also undermines consumer trust. I believe this reporting constitutes an attempt to penalize me for a past situation that has no bearing on my timely XXXX payment. 

To resolve this issue, I respectfully request the following : 1. **Immediate removal of the incorrect late payment entry** from my credit report.

2. Confirmation in writing that the correction has been made to all credit reporting agencies.

I have attached the following supporting documents for your review : - My CarMax payment history.

- Any relevant correspondence with CarMax Auto Finance.

- A copy of my credit report showing the inaccurate entry. 

I trust that the CFPB will investigate this matter thoroughly and take appropriate action to ensure fair treatment and accurate credit reporting practices. 

Thank you for your time and attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if additional information is required. 

Sincerely,
Product: Money transfer, virtual currency, or money service

On Thursday morning, XX/XX/year>, I wired {$1000.00} in person at my bank to provide initial funding for my personal account at Kraken, a global cryptocurrency company that claims to do business in 190+ countries and to have 10 million+ customers. 

Three Kraken customer service representatives I called acknowledged that Kraken received the money. They said my case would be escalated to their specialist team, who would contact me by email, investigate, and credit my account. I have not heard from the specialist team. They did not credit my account or return the money. As I write this, it has been five and one-half days since I initiated the wire transfer that they received in a timely manner. The customer representatives are not allowed to disclose the problem to me, which prevents Kraken from dealing with me in good faith.
Product: Debt collection

I sent a letter requesting Validation for XXXX XXXX XXXX on XX/XX/2022. On XX/XX/2022 I received a letter from XXXX stating that they couldn't locate my account. I then contacted my attorney who wrote a letter.to all ,3 credit bureaus advising them that the 30 day time frame had run out for XXXX to provide the requested validation without them having done so and that the account needed to be removed from my credit currently. They got copies of the letters sent and received. Instead they opened a dispute and XXXX seemed to have no problem locating my account in that instance. They are not abiding by Section 809 of the FDCPA. They did not provide validation within the time frame therefore this account must be completely.removed from my credit PER THE LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX for XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX for XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. states 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Equifax is stating fraud activity going on. This is not true and it is hurting me from building my credit with secured cards.
Product: Credit card or prepaid card

On  XX/XX/XXXX , I received interest deferred promotion for 18 months from Barclaycard  XXXX   XXXX  for purchasing an  XXXX  laptop for {$1300.00}. The practice of the company is to apply any payment over the minimum amount to the highest charged interest balances unti l 2 b illing cycles before the expiration of the deferred promotion, effectively preventing the consumer from paying a reasonable portion each month to pay down the balance. I received a letter from Barclays reminding me that my deferred interest was expiring and the balance that would be subject to interest was {$1300.00}, although my remaining deferred balance was {$1300.00}. After I received that letter, I made two payments equally {$820.00}, one dated  XX/XX/XXXX  for {$550.00} and one dated  XX/XX/XXXX  for {$270.00}. My plan was to pay {$270.00} on  XX/XX/XXXX  and the remaining balance ( approximately {$270.00}  ) b efore  XX/XX/XXXX . On  XX/XX/XXXX  I reviewed my most recent statement online and discovered that neither payment had been applied to the expiring deferred balance. I immediately called and spoke first with an agent and then to her manager,  XXXX . The agent told me I should have made the payments 2 days later and they would have counted towards my balance, however, now that the payments were made there was no way for them to put them towards by deferred balance.  XXXX  was apologetic but adamant that because the payments had posted there was no way to apply them to my deferred balance. In no correspondence did Barclaycard state that payments needed to be made after  XX/XX/XXXX , the letter simply said that payments needed to be made in order to avoid the application of finance charges dating back to the original purchase date. After much back and forth, she said she could try to push off the huge interest charge for a mo nth ( {$380.00} ) but that I  still needed to pay {$1300.00} " as quickly as possible '' which I guess meant before the next billing statement  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Re : XXXX XXXX XXXX XXXX XXXXCreditor : XXXX XXXX XXXXDear Sir/Madam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : [ XX/XX/2021 ] [ XX/XX/2021 ] It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Include also all the information required by section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late '' based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility and commitment to meeting payment obligations.

I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report.

If, after the timeframe allowed, you are unable to provide me with the information requested or validate the late payments mentioned on the dates specified, it will be assumed that you lack the necessary procedures to ensure the accuracy of my account. I would then request that these accounts be updated to reflect their correct status as " Paid As Agreed Never Late. '' I will forward this complaint to the CFPB ( Consumer Financial Protection Bureau ), as well as to all relevant agencies ( XXXX, XXXX & XXXX ) in the event that apply until updated corrections are made and finalized. 
Please forward any corrections to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The ethos of 15 USC 6802 ( b ) ( c ) stipulates that a financial institution, such as the furnisher of information to credit agencies, can not disclose nonpublic personal information to a nonaffiliated third party without informing the customer of their nondisclosure option. Yet, I was never enlightened of my right to exercise this option. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXXXXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received hard inquiries from JPCMB card services last XX/XX/22 and XX/XX/22. However, I never applied for any cards from this institution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX 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 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

It should be against the law to have a creditor reduce your credit line. Please realize that this causes a domino effect to our credit! A higher utilization leads to lower credit scores, which other lenders could perceive as an increase in risk and lower the limit of other cards that a consumer has. Im going to reach out to an attorney to see if this can be a cause for a class action lawsuit. This should be prohibited!!!!