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

Discover Bank, NA continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress. I have contacted Discover where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again. <P/>Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard. Discover is reporting to XXXX  This issue with Discover has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful. <P/>As one of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call may be recorded for quality and training purposes, however I do not know if it tuly were.
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 XXXXXXXX # XXXX 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 a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

With all the hard times going on I filed my taxes and they offered me a loan but on the XXXX XXXX card only. Of course needing money for bills that were due right away I accepted. I received debit card that was sent and activated, setup pin code, and used the card. I was told to upload documents which I informed them several times via email that my ID is expired but I do have it as well as origin SS card and birth certificate. Now I'm being told that I can't use my debit card because my phone number changed and it's in my spouse name now and not mines so I couldn't verify via app the passcode sent to me because due to not working my phone is disconnected and my car was repo'ed. All I'm trying to do is pay my rent up so me and my family can stay in our home. I've been waiting on this since XXXX and I think that it's so unfair to have to beg for access to funds that I have a card for and have used on several occasions. Please help me. Because my bank that I get my work pay direct deposited take my documents and understand that my ID is expired and my access to my debit cards have never been blocked because of something of this nature. All of this because my previous number is disconnected and I can't receive an in app code.
Product: Debt collection

I had my credit frozen XXXX, in fact there was to be no further loans made on my SSN # due to over $ XXXX in fraudulent charges, credit cards, and loans made in my name of which I did not persue. In fact between XXXX & XXXX my credit score went from XXXX to under XXXX. When I reported the fraud, all major credit reporting agencies locked down my SSN & forced a statement to any person or company looking up my name for a potential loan. I have notified this law firm of these facts, but The company continues to provide me with what appears to be digital signatures on contracts originating from a city I do not/did not live in as evidence to support their claim that I am still going to be held responsible for the debt ( regardless of the fact that I did not initiate any such transaction ). This firm appears to be XXXX bent on collecting this debt from me rather than trying to find the person ( s ) responsible for causing their client to make a loan under false pretenses and identity. Add this all up and this is indeed makes the firm just as culpible for damages inflicted upon me in a counter suit which I do not intend to file/nor do I wish to file at this time but will not hesitate if these attempts to collect on a fraud debt do not stop : for the actions taken by the company who issued a loan in my name without my permission to a person who is not me & whom I have no knowledge of who they are ; the company took no action that I have seen to confirm the legitimacy of this particular applicant and collecting it from me as an illegitimate way to somehow offset their losses for questionable and highly suspicious business practices the collector hired this firm operating on with what appears to be the sole pursuit of collecting funds from a victim. One who has bent over backwards to accommodate ; honestly I just want this never ending story of fraud and questionable collection methods to end. Please stop treating me like a scumbag who deserves this constant barrage of intimidation and threat. Im just a guy trying to pick up the pieces and move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for XXXX $ dollars been paid in full, refernce number XXXX none of the reporting agencies have removed it from or showed paid on my report
Product: Checking or savings account

On XX/XX/2020 we deposited two checks into our personal checking account at Chase Bank in XXXX XXXX, Ca through the ATM. We received a receipt that stated the funds would be available in XXXX business days. This is not unusual in our experience with Chase Bank. 

On Friday XX/XX/2020 the funds were still not available. 

On Monday XX/XX/2020 we called Chase bank for an explanation. We waited on hold for several hours while we were passed to various departments. The customer service representative told us the funds would be available tomorrow ( XXXX XXXX ). She said we could wait another few hours on hold to talk to another department but they would only give us the same information. 

On Tuesday XX/XX/2020 the funds were still not available. After two hours on hold and despite a state mandate to shelter-in-place we were forced to put our lives at risk and drive to our local branch for help. Still on hold, we met with the bank manager to review our account. He said the funds were placed on a XXXX hold but did not know why. At that point, customer service finally answered. We were transferred the the check verification department and waited another 40 minutes. That person told us they would not release our funds. The bank manager asked her if the funds had been collected from our grandparents bank. At that point the customer service representative, reminded the bank manager that this was a recorded call. She said this three times during our conversation. She told him and us there is nothing they would do.

We told the bank manager that this has never been our experience with personal or business banking. Ever.

We are overdrawn and have no money for food, gas or supplies. The bank manager, himself, withdrew {$400.00} in cash from our already overdrawn account so we could have something to survive on.

Our business is public facing and relies on large public crowds. We are absolutely crippled and at the mercy of generous family members and a bank manager who had an ounce of compassion. 

We believe that Chase Bank put into policy during a global crisis to place longer holds on deposited checks to make money on their end at the grave expense of the consumer. We can prove the funds were collected almost immediately from our grandparents account. We can prove we have never had a 10-day hold on business or private funds previously. This is exceptionally unusual in our banking experience. This has caused us tremendous harm. 

If this is happening to us, it is happening to others. We are crippled. Banks are the first to be bailed out and the last to help. They must put an end to this policy especially during times of extreme crisis. This is unimaginable negligence.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXXXXXX ....
Product: Checking or savings account

I have had several miserable experiences with Ally but this most recent one is why I am filing a complaint. On XX/XX/XXXX, I was charged {$370.00} for a yearly plan on XXXX. I called XXXX as soon as I found out, and they changed my billing cycle to monthly with the new amount adjusted and taken out from my other bank instead of Ally. XXXX verified the change to monthly on XX/XX/XXXX, changing the plan type from XXXX XXXX ( {$370.00} yearly ) to XXXX XXXX XXXX ( {$26.00} monthly ). So on the merchant 's end, they have been paid for months. 

When I filed a dispute with Ally they temporarily credited my account the {$370.00}. Suddenly, without warning and months later, on XX/XX/XXXX Ally withdrew the {$370.00} out of my joint account and then placed a hold of {$370.00} on my rent account. They claim they sent a letter, but I never received it. They also claim to have sent a message in my notifications inbox about the resolution but I don't have one there either. I have all the screenshots, billing statements and proof that the merchant has been settled and I am due the amount of {$370.00} back from Ally. Now I have no way to pay my rent XXXX get groceries. I hope that this helps educate others about the nature of how Ally manages banking accounts poorly.
Product: Credit reporting

These items that appear on my experian report are not mine and need to be deleted immediately. I want these companies to provide me with a signed agreement with my signature stating I opened these accounts. I have disputed these items with experian before and they will not reinvestigate these trades but simply state that they have do so already and refuse to reinvestigate these trades anymore, I received no proof from experian stating that these were my trades just a simple oh well we verified they are yours you dont like the results too bad. Im done trying to be nice with credit reporting agencies I want written proof something with my signature stating I opened and used these accounts. the trades are as follows. 
XXXX XXXX acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX XXXX bank acct number XXXX .... 
XXXX XXXX Bank acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX acct number XXXX ... 
I want written proof from these companies that these accounts belong to me meaning something with my signature stating that I opened them
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I will be making it public. How wells fargo and XXXX XXXX wrongfully accused me of harassing her while I was at the bank, opening my new account they closed. Wells fargo wasn't exercising its right to close the first account that I had opened a year. XXXX XXXX conspired to get me in the XXXX XXXX location wells fargo in XXXX XXXX. So she could falsely call XXXX and have me arrested. I had no idea that she was in the bank on that day. They all concluded and conspired at wells fargo to have me open a new checking account to falsely call XXXX. But the police didn't do anything to me or have me arrested. XXXX XXXX and whoever was in on the conspiracy against me violated my civil rights by telling me not to come back to any wells fargo. 

I have given wells fargo every opportunity to settle this with me. I will be getting a lawyer and suing them for all the nightmare and intentional infliction of emotional distress and mental anguish XXXX XXXX and other wells fargo caused me. They continue to deny any wrong doing and they falsely claim their is no evidence of XXXX XXXX being at the bank or any of what she did to me. 

They are XXXX records. Wells fargo has no reason to treat me like this. Or they had no reason to close a new checking account that I was made to travel to the bank and waste my gas and to be treated this way is pure awful and evil and wicked.
Product: Checking or savings account

On XX/XX/2023, a check for {$48.00} cleared my account with PNC bank ; however, PNC bank erroneously posted the transaction for {$1200.00}, causing me to be overdrawn incure overdraft fees and depriving me of the use of my money causing me hardship. On XX/XX/XXXX, I personally went in to the bank and they realized they had erroneously posted the wrong amount and assured me the error would be corrected that same day, however, it wasn't. On XX/XX/XXXX, I called the customer service line to ask for my money, and they told me to go to the bank personally and take care of the issue I need help as this is causing me and my family hardship. 

In the meantime that I don't have my money, PNC is using it interest free and this is fraud and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Avant is reporting on my credit report as a charge off and it was not a charge off. It was paid off. It is reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows on these date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCEPTANCE NOW ACCOUNT # 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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

My mom, who was my co-signer, passed away in XXXX and I got hurt on the job in XXXX. My dad passed away XXXX  days after i got hurt. I fell six months behind on payments and was trying to use the debt cancellation agreement but they said their copy of the contract stated it expired in XXXX  when I bought the car but mine says its for 60 months.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

For months now, I have been harassed by NP Group ( aka National Principal Group, XXXX XXXX XXXX NP ). They claim that I have an outstanding Payday loan which I do not have. More than a month back, after weeks of them calling me repeatedly throughout the day, I requested they send me proof of this alleged debt as I do not have an outstanding payday loan, which they did not do. Their harassment ceased for a few weeks after, though has resumed today. I returned their phone call and in trying to get the necessary information to file a formal complaint, the representative continued to hang up on me. I attempted several more times and upon one attempt, was being told that I would be transferred to their Consumer Affairs department and then was promptly hung up on again. In calling again to demand that they stop harassing me, their representative told me that he was " Not going to argue '' and that I should " Expect calls to continue '', and then proceeded once more to hang up on me. 

Today, I have filed complaints with the FTC and the XXXX. If the harassment continues, I will seek legal action. I will not be bullied into paying a false debt, nor will I tolerate being harassed by a company that refuses to offer any necessary information to prove their credibility. 

I can not attach any documents because the company has failed to provide me with any documentation on this alleged debt.
Product: Debt collection

Cap1/Neimn XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Dispute of Late Payment Request for Correction Dear Cap1/Neimn, I am writing to formally dispute a late payment reported on my account [ XXXX ] due to improper application of my payment, in accordance with 15 U.S. Code 1666b of the Fair Credit Billing Act ( FCBA ).

According to this federal law, a creditor must credit a payment on the date it is received, unless there are specific delays due to improper submission by the consumer. I made a payment of {$76.00} and {$140.00} on [ XX/XX/year> and XX/XX/year> ], which was processed under the guidelines set forth. However, despite timely submission, I was unfairly assessed a late fee and/or reported to credit bureaus for late payment. 
To resolve this matter, I respectfully request the following actions : 1. Immediate reversal of the late fee applied to my account.

2. Correction of any negative credit reporting related to this disputed late payment.

3. Written confirmation that my account is in good standing.

I expect your prompt investigation and response to this matter within the required 30-day period under the Fair Credit Billing Act. If this issue is not resolved appropriately, I may escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or other regulatory authorities.

Please provide written confirmation of the resolution at your earliest convenience. You may contact me at ( XXXX ) XXXX or XXXX for any further information. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBPs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts mark as inaccurate Portfolio Recovery XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  XXXX and XXXX XXXX Bank XXXX