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

Last month I filed a complaint on XXXX XXXX  for illegally adding incorrect information to my Equifax report, causing my score to drop XXXX points. I also filed a complaint on Equifax for allowing this to happen twice, from the same company. Upon a successful investigation, Equifax found the company to be in the wrong, in which they sent me dispute results showing theyd be deleting the creditor XXXX from my credit report. I spoke with a few customer service agents to reassure that my credit report would be updatedraising my score back to where it was before XXXX was added to my credit report. They each informed me that once the monthly update occurs, Id see the deletion of XXXX and my score would go back up. I checked my report on XXXX, and theres been no change. I called to tell them that my score wasnt fixed, asking them why they would be dishonest about this serious situation. The representative I spoke with told me that she couldnt give me any answers as to why this happened.
Product: Checking or savings account

Contacted Bank of America ( BofA ) on XX/XX/2019 and requested a copy of all my XXXX activity since its inception in XXXX, or whenever it was first introduced to customers. What I am looking for is a breakdown of transactions that were canceled, marked as paid, or expired. The representative told me, Ill get the information in 7-10 days. I received an email from BofA on XX/XX/2019 informing me the case was closed because they were unable to complete the request. I called BofA to follow up on the email on XX/XX/2019 and was informed by the rep that it was closed because the case was handled in the wrong department. The rep from XX/XX/2019 informed me she would submit two new requests and I should have the information in a few days. On XX/XX/2019, received a letter from BofA informing me one of the requests was closed and the information requested can be found on my monthly statements online after I explicitly told all the reps I spoke with that the statements do not provide me the details I am looking for. I called BofA for a third time on XX/XX/2019to follow up on the letter received and was told by a supervisor that I needed to contact XXXX to get the information. I called XXXX and was informed that BofA is incorrect and they should be providing me with the information. The XXXX rep conferenced in BofA and informed them that they are to provide me with the information. On XX/XX/2019, I spent 2 hours on the phone with BofA being transferred to different departments and still no one is willing to provide the information I am asking for. On the last transfer, I spoke with another supervisor named XXXX, who in my opinion was rude and not helpful. Ive explained to everyone Ive spoken with that BofA transfer and request activity on their website will only allow me to view the last 6 months of activity. XXXX informed me he could not provide what I was looking for and needed to go a branch. I informed him that was unacceptable as I have made multiple calls since XX/XX/2019 and no one ever advised me to go to the branch. He attempted to try to transfer me for 5th time and I declined. Informed XXXX that I would like to make a complaint to the CEO or higher up executive and he provided me with XXXX XXXX email address. After review of the BofA website, it appears the Chief Client Care Executive name is XXXX XXXX and not XXXX. 
Financial institutions are required to keep records for a minimum of 7 years, and it should be this difficult to get the information I am looking for.
Product: Debt collection

I am writing to formally notify Fidelity Information Corp of my intent to take legal action against your company for the inaccurate reporting on my credit file, specifically the collection account with account number [ XXXX ] amounting to {$370.00}. I hold no knowledge or association with this account, and it is a clear result of identity theft. 

I was affected by a data breach in XXXX  with XXXX, during which my personal information was compromised. This incident has directly impacted my credit file, and I hold Fidelity Information Corp responsible for failing to adequately protect my personal information and allowing false and damaging information to be reported. 

I hereby request the following actions : 1. Immediate removal of the erroneous collection account from my credit report.

2. A thorough investigation into the source of this false information and its subsequent reporting.

3. Provision of all relevant documents, contracts, or evidence linking me to the reported account.
Product: Debt collection

Last month I sent a certified letter to Wakefield and associates in regards to a debt they have listed on my credit report! They received the document because a signature was required and through usps it showed me the letter has been signed for. I asked Wakefield to send me a copy of the original bill as well as a breakdown of the amount they are alleging I owe them because this debt is not mine! I never received a bill or anything for this alleged debt, until today I received a letter in the mail from Wakefield stating that basically they will be not sending me any information on this debt, because they have already verified it ... .. I dont know who they verified it with, but it was not me and I would love to see what documents they have of this alleged debt, until I receive this documentation they need to remove this debt from all my credit files
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent certified mail to dept of XXXX  about all the fcra laws that they have violated. It was a notice of cease and desist. They did not properly investigate the matter. They falsely claimed that they did not violate my fcra rights. They have these accounts attached to an address with my legal name but incorrect address meaning they should should contact the grantor which are the cras and delete these accounts off my credit report. They are furnishing private information publicly to a 3rd party which is illegal. This is infringement and a violation of my privacy rights. On XX/XX/XXXX XXXX said they are furnishing info on behalf of the department of ed which I have NEVER agreed nor signed an waivers or contracts with and to proof it they sent me documentation asking me to update information because they dont have any in their system. They are trying to set me up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

Accounts : XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Checking or savings account

On XX/XX/year> my direct deposit from my employer is supposed to be deposited into my account. However, it was not. I checked all night long and nothing arrived. Now it is XX/XX/year> and there are thousands  of us who have not received our paychecks that were to be deposited into our accounts and have been given no timeframe on when this problem would be resolved. We have been given the same excuse and its frustrating. This is the 3rd time in 6 months this has happened and we are sick of it. Capital One needs to be held accountable for the problems they are caused people who are working hard and living paycheck to paycheck. Things like this should not be happening as often as they do and the reason should be investigated
Product: Checking or savings account

I went to a Chase ATM in XXXX, NY which is not the normal ATM I use and deposited 19 checks at the drive up ATM machine on XXXX XXXX. The machine took my checks and then gave me a screen that said " there may be an error with your deposit '' call an 800 number, I tried calling and the number said I would have to call on the next business day, this occured on a Saturday. At that time I immediately went into the branch and spoke with XXXX XXXX a branch manager who assured me there was nothing to worry about the checks are there and they would give me a temporary credit for the amount of {$1700.00} which was about what I thought my deposit was. XXXX also told me " she hates that machine it's nothing but trouble '' and the problem would be resolved once they empty the machine which could take a week or two. After numerous conversations and trips to the bank, which now XXXX XXXX another manager got involved with they are telling me they can not find 11 of the 19 checks which amount to {$1000.00}. On XX/XX/2020 the bank took back {$1000.00} saying they couldn't find the checks.They say this went through 3 escalated investigations and there are no checks, this is a very difficult situation since these checks were given to me by a group of my husbands co-workers and friends because he just passed away, there were a total of 14 checks from this group and only 3 went through, the bank is now telling me I have to go back to these individuals, who I don't even know and ask them for a copy of a cancelled check or to stop payment and issue me a new check, which I explained was impossible given the sensitivity of it all. I have used ATM 's since they were invented and have NEVER had a problem, this is an unacceptable answer to me, how does 11 checks just disapear?? I am heart sick over this situation and really need some help.
Product: Credit card or prepaid card

XXXX XXXX Companies : 1. XXXX XXXX. Capital One 3. XXXX All cards could not be paid for because of unemployment and credit score dropped by 150.
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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

Hi, My credit report is showing the following account under number XXXX is still as open and with a past due balance instead of closed and paid as agreed. 

this is affecting my credit score and ability to obtain a loan from bank. 

attached are both the settlement offer from FirstBank giving me a 50 % discount on the original amount and which was paid and the payment receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was involved in various data breaches, Equifax Data Breach, XXXX Data Breach, and XXXX Data Breach. I have a number of unauthorized, inaccurate, and imcomplete accounts on my credit report that are hurting my reputation with the banking system. I am looking to get a mortgage very soon and these unauthorized and inaccurate accounts are hurting my chances. I did not consent to any of the unauthorized accounts or inquiries. This is unfair and inaccurate reporting that must be fixed immediately. I demand that you remove all inaccurate accounts immediately. Ive mailed in disputes more than a month ago and I still havent been responded too by the XXXX XXXX or Equifax.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$150000.00} XXXXXXXX XXXX {$570.00} 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
Product: Credit reporting or other personal consumer reports

Ive sent out my letters they asked me to send in and I have done that XX/XX/XXXX of this year. The old information keeps coming back to my report even tho is was identity theft
Product: Credit card

On XX/XX/XXXX I was billed from XXXX XXXX XXXX XXXX XXXX CA XXXX the amount of {$500.00}. Services were never rendered. 

On the date of XX/XX/XXXX I was billed from XXXX XXXX XXXX XXXX XXXX CA XXXX the amount of {$1500.00}. Services were never rendered. 

I have tried to have the amount reversed by XXXX legal group multiple times but they refuse to do so. 

I disputed the charge with citi bank and the refuse to reverse the charges.
Product: Bank account or service

Bank of America charged my account {$300.00} overdraft fee. 

When i had roughly {$150.00} i purchased from XXXX some small cheap stuff ( {$3.00}, {$4.00} worth XXXX transactions ). For some reason the Bank kept this transaction 'pending/processing ' for 5-6 business days. When i checked my account at the ATM it gave me a missleading info saying that i have {$150.00}, so i withdraw some cash as a result my account came to zero but still positive. After few days i open my account to see negative {$300.00}. 

The problem is i was provided wrong info about my account balance, they kept old transactions pending for too long and charged when i had zero account. 

Why do not they process the transaction on time? There was a holiday ( XXXX ) i understand, then why they do not help me to write them off if it happened due to holiday?
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  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 XXXX years. 
15 U.S.C. 16815-2 ( AN1 ) 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: Mortgage

My wife and I have our mortgage through TCF Bank. Five years ago, we were offered a low interest payment, which would end in a balloon payment of {$160000.00}, due XX/XX/XXXX. They were never clear about what would happen on the balloon date, as we would not have that much money. Finally, they offered a reasonable new loan, effective XX/XX/XXXX Now, just one day before XX/XX/XXXX, we were told that our loan is on hold. I relied on their promises in good faith ; now, I fear they are trying to somehow trick us into a foreclosure.
Product: Credit card or prepaid card

I have applied XXXX Credit card with Chase, and based on what was listed in their promo, I could get 140,000 points after I spend {$3000.00} within 3 months. They had a calculator within their mobile app to tell me how much I need spend more to get my points, and I used that number showed on it as reference. Once I saw I met the requirement, I stopped using the card. I didn't notice I didn't get the point until recently, and when I called Chase, they told me I didn't spend {$3000.00}, because there was a late fee, which didn't count as the consumption expense. 

I made my point with them clearly, I used their calculator as reference, and stop using the card when it showed me I spend {$3000.00} already, and now they told me I didn't meet the requirement. Their calculator didn't give the right calculation lead me lose the point, this is not my fault, it's unfair. I request them to provide the backend logic used for the calculator, and they promised me to send it to me, it has been 2 weeks since last call, I hear nothing. 

I want to say, their calculator mislead consumer, which directly lead me lose my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  been a mayor nightmare XXXX  unable to buy my car because I have inquiries XXXX XXXX XXXX XXXX, I have accounts that I was authorize user and was not aware of and I have asked numerous times for them to be removes. 

XXXX- not my problem belongs to company take me OFF XXXX credit authorize user XXXX XXXX all of them Authorize user XXXX XXXX Authorize user XXXX authorized user all of them the main account holder has gone into credit payment issue and I'm being penalized I have requested these accounts off my credit 8 times this year alone
Product: Debt collection

Please be advised that I have requested validation of an item reported to you by XXXX XXXX I have received a response that it is in violation of my rights according to XXXX. 

XXXX XXXX did not provide me a XXXX signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my XXXX rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. Which is XXXX days from this notice I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.
Product: Credit reporting or other personal consumer reports

I am disputing XXXX XXXX XXXXXXXX XXXX reporting to my credit, as they are neither licensed nor bonded in Virginia, where I reside. Under state regulations, this authorization is required for any debt collection activity. Given this non-compliance, I request the removal of their report from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with XXXX with no resolution. 
The other 2 credit bureaus XXXX and XXXX updated my balance with the creditor promptly after I submitted the proof that my account balance was incorrect. 
I opened my dispute with XXXX in XX/XX/2021, XX/XX/2021 and again in XX/XX/2021. My dispute is to update that my accounts were paid in full and the balance should be listed as {$0.00}. 

XXXX kept updating the account balance with outdated incorrect account balance information and kept updating/resetting my dispute resolution date whenever I updated my dispute with additional documentation provide by the creditors to help resolve the dispute. 
I continued to get the run around and continued delays in answering phones and they kept sending me back to the creditors to update my credit report. 
My creditors also kept saying XXXX has been provided with updates that my balances were {$0.00}, but my credit report has never been updated to {$0.00} balance. 

As a consumer, it is unfair that Im caught in the middle of the poor communication and being passed back and forth between the creditors and this credit bureau which has negatively impacted my life. 

My creditors in dispute were XXXX and Rise/XXXX 
I advised XXXX that their delay in updating my credit report with valid information was delaying my approval for a mortgage and negatively impact my life and the lives of my family. 
I am still waiting for these creditors to update my balance with XXXX, I would like to add again, that XXXX and XXXX are showing {$0.00} balances with both of these creditors which is accurate.