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

this account on my credit was never late. 

XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M 51M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current Status Updated XX/XX/XXXX Balance {$14000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance {$31000.00} Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments FIXED RATE Payment History
Product: Bank account or service

Well Fargo bank has fraudulently closed my checking and saving accounts 2 years ago and keep denying me opening a new one. They are completely not truthful in their business practices especially with " lower class '' people who make less money then what they want to see their clients do. I have already contacted them through Consumer Financial before. However, now I have new facts and outcomes that I am looking for to achieve. I will not stop until I get the outcome as I stand for myself and equally affected good American Citizens that make less money than a bank would like to see. 

First and foremost, what you explain in your letter is absolutely wrong. i have to admit that XX/XX/XXXX I have tried to make an ATM deposit of {$2500.00} with the check drawn on why business account at other bank. However, the funds were not present in that business account right that same second, they were electronically deposited into my business account the next business day to cover my check deposit with you. I have never done anything wrong, you may say I have if the check for {$2500.00} was accepted for the deposit and was not paid, but in my case, the check was never even accepted for the deposit! Your response is totally made up and is not based on real facts. You say that you contacted XXXX XXXX XXXX to see if the check will be paid. My question is why did not you ask XXXX XXXX XXXX at that time what is my business 's usually and average monthly transaction amounts to. I can assure you that I had {$70000.00} + in transactions each month. 
At this time, given all the fraudulent activity that is presently going on at your bank that is involved your CEO and is all public, I decided to change my request for the outcome. At this time, I am no longer looking to open an account with you bank and I simply do n't trust business practices conducted at your institution as I am sure millions of other Americans will agree. I am asking for monetary compensation for your fraudulent actions that lead to me losing time and and having all the frustration especially when you opened an account with for me XX/XX/XXXX and did accept my deposit and benefited from it for the few days that it was sitting at your bank, also I have lost considerable amount of business because I had switched all my direct payments and deposits to you at that time. 
At this time as my calculations stand, I am asking for a reimbursement of {$8500.00} that include treble damages. 
I expect to hear from you within 10 business days with the positive outcome. Please note, that I am ready and willing to hire a legal help to bring your bank to justice on behalf of myself and similar affected people and organizations as per advise of my attorney. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have never had the correct birth year on my transunion report. I was born in XXXX and it has said that I was born in XXXX for most of my life until I noticed it. 2 months ago they said they would change it. Now when I just pulled up my credit report I find out that they just deleted it altogether. Ive tried calling mailing. The website wont let me in because it says I have invalid information. Just like every loan or credit card I have ever tried to apply for in my life. 
Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the results of my initial dispute and request for the removal of charge-off accounts from my credit report. Despite my previous efforts and the passage of a reasonable amount of time, these accounts remain on my credit report, negatively impacting my creditworthiness and financial well-being. As a result, I am filing a formal complaint and requesting that the credit reporting agency takes further action to rectify this matter. 
I initially disputed these accounts, providing comprehensive documentation that supports my claim that these accounts were inaccurately reported. Despite my efforts and the legal requirement for accurate and fair credit reporting, these accounts have not been corrected or removed from my credit report. 

I would like to highlight that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. It is now well beyond this timeframe, and the presence of these charge-off accounts continues to damage my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these charge-off accounts, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the disputed charge-off accounts from my credit report promptly, as required by law, if they are found to be inaccurate or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these accounts, and a written explanation for any accounts that were not corrected or removed. 

I understand that accurate credit reporting is crucial for maintaining my financial stability and obtaining essential services. I expect that you will take my complaint seriously and resolve this matter promptly to ensure fair and accurate reporting of my credit information. 

Please acknowledge receipt of this complaint within 30 days of your receipt of this letter. Failure to do so may compel me to take further action, including seeking legal remedies to address this issue. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}.
Product: Debt collection

IC SYSTEMS VIOLATED CONSUMERS RIGHTS. CONSUMER MAILED AFFIDAVIT OF TRUTH TO IC SYSTEMS. TO DATE CONSUMER HAS NOT RECEIVED A RESPONSE.
Product: Credit reporting

Santander Consumer USA , Inc. sent me a letter dated XX/XX/XXXX advising me of an adjustment to the principal balance of my car loan of {$910.00}. Additionally, I was advised of an additional adjustment of {$1600.00} for the accrued interest due. Furthermore, I was advised the adjustments were to take between 3 -5 days. As of XX/XX/XXXX, Santander has never provided payment history or any explanation why the adjustments were never applied to my car loan. 
Prior to my car loan being paid in full, I notified Santander to apply the adjustments to my car loan. I discontinued making loan payments as a result of notifying Santander. Santander reported late payments of 30 days for XX/XX/XXXX ; XX/XX/XXXX and 60-day late payments for XX/XX/XXXX and for XX/XX/XXXX. No matter how many times I have contacted Santander they refuse to remove the negative payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is for a XXXX XXXX credit card that was opened XX/XX/XXXX and closed XX/XX/XXXX but on my consumer reports its showing late payments in XXXX, XXXX and XX/XX/XXXX with a last payment in XX/XX/XXXX this account has been disputed many times to be resolved or deleted from my credit report i got deleted XX/XX/XXXX but for some reason its back reporting with late payments on both XXXX and XXXX
Product: Debt collection

My credit account with Bank of America was debited amount {$1800.00} toward my business credit card payment on XXXX I called Bank of America on XXXX and asked about this transaction. I was told that Bank has right to withdraw the money. 
I called again on next day to credit card specialist and received the same answer : '' Bank has a right to collect your debt from checking account. '' My concern is that I had never authorized this transaction and had never received any notice from Bank about this action. 
Now Bank put me in dangerous situation : I sent a few checks and I am afraid I may not have enough money to cover it.

Previously I was trying to negotiate with Bank of America my interest rate and  establish the fixed monthly payment. All my offers were denied. 
Please evaluate the situation and help me to solve this problem. Thank you.
Product: Checking or savings account

Trying to locate a $ XXXX CD from a failed bank, XXXX XXXX XXXX XXXX, that was acquired in 2014 by XXXX XXXX XXXX or CIT Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX {$0.00} Closed. {$1700.00} written off. 

XXXX XXXX XXXX- {$7700.00} XXXX XXXX XXXXXXXX XXXX - {$2300.00} XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} These are all negative accounts on my credit that are not mine and have never been verified that are mine either. I have disputed all these 7 accounts several times and they keep coming back as verified without any proof. I have disputed all these accounts with Experian, XXXX and Also XXXX and they refuse to remove them from my credit report.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX BANK Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 card

Dear Citizens Bank I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In my letter to the Citizens Bank I request physical proof of verification, while providing proof of my identity. I still have not been provided any documentation with merit alongside my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. 

The guidelines provided by FCRA are clear. This shows that Citizens Bank is violating my rights under this law. I sent out a certified letters to Citizens Bank and have tracked delivery confirmation that they received my letter. 

I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint next with the Attorney General 's office, should you continue in your non-compliance. 

1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors XXXX, XXXX, XXXX. 

Appreciatively, XXXX
Product: Checking or savings account

I was appointed legal guardian & conservator of Ms. XXXX XXXX on XX/XX/2020. She has a consumer checking & savings account at Wells Fargo Bank. I met with a banker on XX/XX/2020 to a ) get added as an authorized user on the consumer accounts, b ) open a new conservator account, and c ) transfer money from the consumer accounts to the conservator account, leaving the consumer checking account open until I can get VA pension and SSA auto deposits going into the conservator account. Item ( b ) was accomplished. The bank told me their legal department would not approve adding me to the consumer accounts as an authorized user, nor transfer money to the conservator account. The bank wouldn't even allow for a {$25.00} transfer to open the conservator account ; I had to use my own money. The amount in the savings account is minimal compared to the checking account. I asked if the savings account could be closed and transferred to the conservator account so I would have cash to work with. This request was also denied. These accounts are the only liquid cash Ms. XXXX has. Her POA passed away in XXXX, 2020, and bills have not been paid since. I explained to the bank that it would take XXXX months at best to get the VA XXXX XXXX XXXX deposits transferred to the conservator account. By closing these accounts right away would cause the auto deposits be returned, and could be difficult to recover. I asked for special consideration to transfer money to the conservator account given Ms. XXXX 's financial situation. The banker said he would send a request to the escalation department.Ms. XXXX 's bills are deeply in arrears. The homeowner association fees have been sent to an attorney for collections. The utilities in her home were turned off due to non-payment ; I had to open new utility accounts in my name ( which is frowned on by the MN probate court ) in order to get the utilities turned on. The homeowners insurance has been canceled for non-payment & I will not be able to reinsure until I have access to the money. There is a large unpaid balance at the memory care location XXXX XXXX lives at, putting her in further jeopardy. I provided the MN statute for conservators to the bank, which states " ... ( 3 ) the duty to possess and manage the estate ... ''. I maintain Wells Fargo Bank is in violation of MN law. This is not the first time I, or my colleagues in the industry, have had these issues with the bank. I try to develop a professional relationship with the bank since they have a large presence in the community, though their actions make it most difficult.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have 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

I just received my review investigation back from Transunion and XXXX they have stated that everything is 100 % complete and accurate. I would like to receive a description according to the 15 USC 1681i ( 7 ) the accounts listed below are not accurate. The open date and the last payment date, the last date active are not 100 % accurate. They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer sent Equifax a affidavit about items on my report without my permission. 

Title 15 1681a ( 2 ) ( b ) and 15 1681a ( 2 ) ( c ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer
Product: Payday loan, title loan, personal loan, or advance loan

I purchased merchandise from a company named XXXX on XX/XX/XXXX and took a line of credit with Sezzle inc . I have contacted XXXX starting XX/XX/XXXX numerous times by email requesting to return the merchandise because what was sent to me was not what I requested in length, depth or quality. I received an automated response from XXXX stating I would receive a response within 48 hours. I have not received a response from XXXX as of today XX/XX/XXXX. I contacted to company Sezzle inc. who is the company that has financed the merchandise by paying every 2 weeks and filed numerous complaints and contacted their customer service at XXXX on XX/XX/XXXX to which I was told I needed to file yet another complaint online thru their website which I did. I called Sezzle inc. and verified the complaint was filed this time. Response from Sezzle inc. was automated that I should review the return policy. XXXX has changed their email addresses since I started this process in early XX/XX/XXXX. I have now forwarded my original email to the new address. I have not received any type of response from XXXX or Sezzle inc . I am still here being charged for merchandise I do not want when I have tried resolving this matter with both companies.
Product: Debt collection

They are reporting false information on my credit reports. Theyre not providing my accurate contract. They were not asked to report any action of my debt to credit bureaus. I would like this item removed from my credit reports. 15 U.S. code 1692c. 15 U.S. code 1692g 15 U.S. code 1681 e ( b ).
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX LOAN # XXXX This mortgage was paid in full about 5 years ago, I requested from Citibank Mortgage all documentation for this mortgage like payment history Etc. they are ignoring my request, I am trying to sell a property and I lost 4 clients because of CitiMortgage there is nobody to talk to, not sure why they do not want to send me these documentation, I can assume maybe fraud what 's going on that 's why I did not want to send me documentation but I need these documentation ASAP
Product: Payday loan, title loan, or personal loan

I was approved for a {$1500.00} personal loan with Upgrade on XX/XX/2021. {$750.00} was to be paid on a personal loan to XXXX. I have contacted Upgrade 's customer service and they are unable to locate funds. I have checked my account with Upgrade and no allocation of funds shown and can not be found. I checked my XXXX loan there are no funds dispersed to that account. I contacted Upgrade 's Loan Servicing department and the money is not found. However their charging me interest on money which can not be found or given. I would like to have this loan rescinded and no interest charged.
Product: Debt collection

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I send numerous of letters to Experian to do a proper investigation. XXXX is reporting negative in my report but they have no information to give me Since they sold account. but they are the ones who are reporting it so they should give me full verification. And the bureaus should know this is in violation with F.C.R.A and they choose to ignore it
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I Have The Right To Privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am requesting a reinvestigation of the negative items on my credit report, which remain unresolved despite my previous disputes and the submission of all necessary documentation. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$43000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1700.00} XXXXXXXX XXXX XXXX  Balance Owed : {$31000.00} XXXX XXXX  Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I submitted this complaint to REMOVE this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN SEVERAL XXXX LOAN ACCOUNTS IN MY NAME US DEPARTMENT OF EDUCAIONXXXX # XXXX
Product: Mortgage

XXXX XXXX is not responding to release of a second mortgage they wrote off in 2011. When approached about the issue HSBC incorrectly a release for the senor mortgage and wrote a cover letter apologizing for any inconvenience. HSBC will not respond to me or XXXX XXXX in correcting their error to file the correct release. HSBC has given us no choice but to file this complaint. We have tried everything and HSBC is delaying the transfer of the property at a high financial cost to us.