23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had to call XXXX XXXX XXXX XXXX to get an answer. They told me my name XXXX XXXX XXXX brought up multiple people with other social security cards numbers and having part or whole my name. I was told I had many different social security cards. I don't but just using a very common name such as mine would bring up that results. I asked what do they need to fix this. The reply I got was a letter specifically stating from the Social Security office that I only have one social security number. Plus copies of my driver license SS Card, voting registration, and or any other proof of my identity. I have had the Home Depot card for over 25 years it was issued in my husbands name and my name. I put a full application with my husbands info to them and was approved. My husband died 3 years ago and I notified Home depot a month after his death and inquired if my card was still good to use. I was told that they had both me and my husband info and there is no problem with his death my card remained in good standing. I never use the Home Depot card except for large appliances, as is the case at this time. I can give them all my ID info but the Social Security office can respond to making a letter such as Citi requested. I wrote them they told me to open an account and do it myself. There is nothing in the account I open with the SS office that allows me to do this. Or request it done by them. I feel more than just slighted XXXX XXXX XXXX XXXX for the past 35 years and being treated in this manner is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$5300.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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: Checking or savings account

I was just contacted by a Law Firm on behalf of US Bank. I had an account with them more than 15 years ago. Apparently I had an overdraft charge that was not paid, although I closed the account at that time and was not notified at the time of my account closing that I had any fees remaining. I have never received contact from US Bank regarding this until today and now they want me to pay them more than {$2000.00} dollars in late fees. 

The Law Firm literally said they ran a check on my personal funds recently and noticed I now had income to spare, which I do not as I pay {$570.00} a month in student loan debt and hundreds of dollars in copay 's for health insurance, as I have a rare XXXX that requires a massive amount of XXXX. They threatened to garnish % XXXX of my income, I will not be able to pay for life saving medication or my student loans at that rate. 

I have worked really hard to pay down my date, pay my bills on time and maintain a high FICO score and they are threatening to dismantle all of my hard work. 

I have not contacted them directly as I don't believe they will help me, if they waited more than 15 years to contact me and to run my income once they thought I was able to pay their egregious amount, I cant imagine they will be willing to help me today. 

Thank you!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXXXXXX Balanced {$0.00}
Product: Mortgage

XXXX letters sent to the mortgage institution in order to request the money is available, according to the monthly loan statement, and they did n't answer it.
Product: Credit card

I called Navy Federal on XX/XX/2024 XXXX XXXXXXXX to make payment arrangement on my two credit card with them one due XX/XX/2024 ( card ending ** XXXX ) and XX/XX/2024 ( card ending XXXX ). Minimum payment due on both credit cards is {$250.00} each. I called and spoke with a representative advising her to take out my minimum payment on XX/XX/2024 for both cards. On XX/XX/2024, I checked my account balance and notice that Navy Federal took {$530.00} and {$550.00}, instead of the {$250.00} I authorized to take out. I called Navy XXXX on XX/XX/20XXXX XXXX XXXX XXXX spoke with supervisor XXXX in the resolution department, explained the issue and requested the call be pulled and my money to be refunded. XXXX advised that her department can not refund and that I will need to call back. XXXX provided her manager name of XXXX. Navy federal has stolen my money, i did not authorize Navy Federal to deduct {$1000.00} from my account. I was not behind or deliquent on my accounts with them and did not authorize them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on my credit report with Transunion and XXXX  and they sent a response stating that they investigated my dispute however they failed to provide me documentation showing that they did an investigation. they stated that they asked the furnisher of information and they confirm or stated that the debt belong to me.

I then requested that they send me the Method of Verification and i only received another letter stating that they verified what i was disputing. they keep sending these generic letter and not doing what the law requires.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify- though the physical verification of the orginal signed consumer contract - any al all accounts they post on a credit file. otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

Accounts from Transunion that I want method of verification done and written verification in the way of a contract are : 1 ) XXXX  XXXX account # XXXX 2 ) XXXX  XXXX account # XXXX 3 ) XXXX XXXX XXXX account XXXX XXXX Accounts from XXXX  that I want method of verification done and written verification per Section 609 ( a ) ( 1 ) ( A ) and written verification in the way of a contract are : 1 ) XXXX   XXXX account # XXXX 2 ) XXXX XXXX account # XXXX
Product: Debt collection

Balance : {$1000.00} Dear Sir or Madam : On XX/XX/2019 I notified Midland Funding LLC in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Midland Funding LLC refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Midland Funding LLC under the Dodd-Frank Act.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am submitting this formal dispute regarding inaccuracies reported by XXXX, XXXX, and Equifax concerning account XXXX. These errors violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure accuracy, consistency, and completeness in credit reporting. 

Discrepancies Identified : Inconsistent High Balance : High balance reported as {$270.00} contradicts the secured credit card limit of {$500.00}. 

Missing Verification Dates : XXXX and Equifax fail to provide a " Last Verified '' date. 

Conflicting Account Remarks : XXXX and XXXX list contradictory remarks ( " Charged off as bad debt '' vs. " Dispute resolved '' ), while Equifax adds further discrepancies ( " Account was in dispute - now resolved '' ). 

Erroneous Payment History : Equifax lists 64 instances of being 90 days late, which is implausible given the timeline. 

Account Type Variations : Inconsistent classification of the account type ( e.g., " Secured credit card '' vs. " Credit line secured '' ). 

Date of Last Activity Discrepancies : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ) report conflicting dates. 

Creditor Type Variations : XXXX and XXXX list " Bank Credit Cards, '' while Equifax states " All Banks. '' These inaccuracies violate 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ) of the FCRA, which require accurate, verifiable, and consistent reporting. 


[ XXXX XXXX ] XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I opened a savings account with XXXX over a decade ago due to the high-yield savings account. They changed to Capital One a few years back. I believed I was in the high yield savings account collecting the highest interest offere. When I check my account I realized I was only collecting .5 % interest and not the 4.3 they advertised.

All these years I was under the impression I was in the high yield savings account, the only one offered. The Capital one representative informed me that a few years back they introduced a new " high yield '' savings account that was the one that was actually collecting the highest interest rate. I have been saving money for the last 3 years thinking I was collecting the highest they offered. I was never informed that I had to actually open up a new savings account to get their high interest rate. 

This is shady and tricky! How many people who have been with that bank for decades are unaware that the older savings account is no longer the high yield account? I am so disappointed. As a single parent, I thought I Was doing the best thing with my money only to find out my bank did a switch on me and never communicated with me the change. I have lost out on thousands of dollars of interest! 

Check your account if you started with capital one when they were XXXX!
Product: Checking or savings account

Onewest Bank was notified on or about XX/XX/XXXX about a incident of check fraud, where a check I had issued in the amount of {$1900.00} was cashed by someone other than the intended recipient. 

This check was cashed on or about XX/XX/XXXX. The date on the check has been forged and there is no endorsement on the back of the check. 

Onewest Bank refuses to tell me any information about where or whose account this check was deposited into. 

An affidavit has been signed affirming these facts on XX/XX/XXXX. 

When calling Onewest Bank, the expected time for resolution of the claim has been changed from 30 days, to 45 days, to now 90 days. 

I have attempted to resolve this matter in person at a branch on XX/XX/XXXX and XX/XX/XXXX, as well as by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have been given no explanation or answers about when my stolen funds will be returned.
Product: Debt collection

I did not authorize consent to nor benefited from any listed account ( XXXX ). Block and Remove
Product: Credit reporting or other personal consumer reports

Hello, I disputed multiple credit inquiries with Transunion more than once. They do not verify the information snd send back a ridiculous letter while keeping these inquiries on my credit report which hurts me and my Family. We thought it was their responsibility to verify and remove any inquires that do not belong on my report.
Product: Credit card

capital one bank refues to activate XXXX insurance on accts ending with # XXXX # XXXX # XXXX # XXXX. they prefer to charge off the acct
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Account Violation Dear Consumer Financial Protection Bureau, I am writing to formally dispute a collection account reported by LNVN Funding LLC that I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. This account has been inaccurately reported in relation to my credit file, and I am seeking your assistance in addressing this matter.

The account in question is associated with my name, [ Your Full Name ], and I have not received adequate notice regarding this debt, nor have I been provided with sufficient validation of the claimed amount. I request that LNVN Funding LLC provide documentation that substantiates their claim, including any agreements or contracts that establish my responsibility for this debt.

Under the FCRA, it is my right to dispute any information that I believe to be inaccurate. I have reached out to LNVN Funding LLC directly, but I am concerned that they may not comply with the required investigation or validation procedures.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that my rights under the FCRA are upheld. If LNVN Funding LLC is unable to validate the debt or provide the necessary documentation, I ask that you assist in having the account removed from my credit report. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I recently deposited a significant amount of money into Robinhoods high-interest account to earn interest while I searched for my dream home. My offer was accepted, and Im set to close on XX/XX/XXXX, but Robinhood is making it impossible for me to access my own money to send to escrow! 

Despite providing all the documents they requestedmy passport, home sales contract, title company wiring information, and even my XXXX XXXX account statementthey are still delaying the transfer back to my checking account. Meanwhile, XXXX XXXX  had no problem returning the funds when asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name.
I did call XXXX  to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX XXXX XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX InquiryXX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX XXXX :XX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX : InquiryXX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX  : InquiryXX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is for late payment still reporting on my credit history and my husbands even after creditor agreed to remove late payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX if creditor doesn't update the credit history like they agreed I will escalate to a lawsuit. They have no evidence what so ever that my payment was late. I informed them several times that their website was down besides that they agreed to remove it so them going back on their agreement is unfair.
Product: Checking or savings account

On XX/XX/year> at approximately XXXX I delivered a check from a settlement claim with the amount of XXXX. A few days after that I received email saying my account was being closed due to fraud. I have called and went to the bank multiple times showing proof that the check was in fact real and it had to be an error mistake on there end.
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 and XXXX XXXX XXXX has violated my rights. 

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

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

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

On XX/XX/XXXX I have submitted a direct dispute with Transuion XXXX XXXX XXXX providing proof of identity theft proof of address XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX ( documentation attached ) I have submitted a ftc report as well each company have failed to protect my consumer rights and remove the fraudulent accounts and inquiries so as of XXXX XXXX my attorney and I have a civil lawsuit against below companies and I XXXX XXXX is seeking relief to remove all disputes information and prove me with monetary compensation for each cfpb violation Transuion Fraudulent account ( XXXX XXXX XXXX ( XXXX XXXX Inquiries PAYMENT XXXX XXXX XXXX  XXXX Finance ) XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNTS ( 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 of 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so thats violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights XXXX violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

My direct deposit from my employer was not processed on Thursday XX/XX/XXXX in the amount of {$890.00}. This is a breach of contract : If your bank agreement states that direct deposits should be accessible immediately, and they are not, you may have a breach of contract claim.

Negligence : If the bank fails to process your direct deposit properly due to a mistake on their end, you may have a negligence claim.