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

On XXXX, 2020, I was told by XXXX XXXX and a XXXX XXXX XXXX that the bank was no longer taking my calls. I tried to explain that on a recent mobile banking call, the bank teller refused to use my secret password that was set up. Instead, she insisted on hampering me for my social security number. When I explained I had this password set up, she hung up the phone on me. I quickly called the branch= XXXX XXXX and XXXX XXXX XXXX XXXX report this. No assistance was offered. Instead, I was only greeted with the rudeness & punitive behavior. Please, assist as I'm sure there are others whom affirm that bank issues passwords to protect you they should thereby use them= not abuse them and punish the customer. As a result, the bank has not allowed me to call or enter the bank for assistance. Is this fair?
Product: Credit card

I applied for a Caesars Rewards credit card and was approved with a {$14000.00} credit limit. I received the physical card on XX/XX/XXXX. I created accounts with Bread Financial and Comenity to confirm receipt of the card. I verified receipt of the card and immediately tried to use it on a Caesars ' website. The purchase I tried to make was declined. I tried it on another website and it was denied again. 

I called the bank to see what the issue was with the card. I confirmed receipt of the card and verified all of my background information without any issues. They then stated I must email XXXX copies of the front and back of my social security card, my driver 's license, and utility bill, and a bank statement. I could email the materials or mail them. I asked why I must complete this when I applied for the card and was approved. I was informed that the bank is requesting additional verification from me. I ended the call to consider what was being requested. 

I tried using the card on XX/XX/XXXX, and XXXX. All attempts were unsuccessful. 

On XX/XX/XXXX I called the bank and again asked why I had to send such confidential information over unsecure channels. They said it is being requested by the bank and there is no way around it. I confirmed with them that I would like to close out the account. The bank stated due to the status of the account I could not close it. 

Now I am left with a hard pull on my credit that I was approved for, and an inability to use a credit card unless I send the most confidential information a person possesses over unsecure channels. This is beyond unreasonable and I need assistance to be able to use my card or close the account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Dept. of Education keeps reporting different information multiple times across multiple credit reporting agencies. The same loan is reported twice on all reports. The two loans are being re-aged every other year too. These loans are from XXXX from a school that closed, changes hands, and turned out to be a scam.
Product: Debt collection

Santander under Account # XXXX This account is being illegally reported on my credit report due to inaccuracy. I requested method of verification on this account. How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. This account needs to be removed from all 3 consumer reports due to inaccuracy and incomplete information. This account does not comply with Metro 2 compliance and legally can not be reported.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates of Service : XX/XX/2012 - XX/XX/2012. Didn't attend for months specified on credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report, FTC REPORT NUMBER : XXXX, to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and delete any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted TRANSUNION several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THREE CREDIT BUREAU 'S ARE ALLOWING SANTANDER AND XXXX TO CONTINUE TO RE-AGE MY ACCOUNTS. BOTH ACCOUNTS SHOULD BE REMOVED. THE LAW STATES THAT IT SHOULD BE REMOVED 7 YEARS FROM THE FIRST DELINQUENT PAYMENT. I HAVE REACHED OUT TO EACH AGENCY AND BOTH COMPANIES AS WELL. NEITHER HAVE FOLLOWED THE LAW BY COMING UP WITH THE INFORMATION. THEY JUST TELL ME THAT THEY PERSONALLY HAVE VERIFIED THIS INFORMATION. NEITHER HAVE SHOWN ME WHAT THEY SAW. THEY WILL ALSO NOT TELL ME HOW THEY VERIFIED THIS INFORMATION. I HAVE LOST OUT ON JOBS, HOUSING, AND MANY OTHER THINGS DUE TO THE INCORRECT AND ILLEGAL REPORTING OF THESE ACCOUNTS. BOTH ARE WELL OVER TIME TO BE DELETED. XXXX  EVEN HAD ONE OF THEIR COLLECTION COMPANIES SEND ME A LETTER IN WRITING TELLING ME THAT THEY DID NOT HAVE THIS INFORMATION. I COULD NOT BELIEVE IT. BOTH COMPANIES JUST UPDATED THEIR INFORMATION AGAIN THIS MONTH EXTENDING THE TIME ON MY REPORT AND DAMAGE TO MY PERSONAL QUALITY OF LIFE AND OPTIONS.
Product: Checking or savings account

Moneylion is having some issue that will not allow me to login to my account. They are well aware and I have begged them for help. This account has helped me make ends meet. I needed access to my account. I am worried someone has hacked my account and I have called and emailed many times to get help. No one can help me. I just keep getting put off and told someone will contact me. This account is linked to my bank account. This is serious and no one will help me in a timely manner.
Product: Debt collection

This company has added fraudulent information to my credit report that has had a major negative impact to my credit. Ive made several attempts to get proof to verify what this is supposedly for. Ive never received any type of contact notifying me of what this debt was supposedly for.

Im demanding proof this debt is mine and an itemized listing of what this was supposedly for.

Legal action will be taken if this demand under the FRCA is not satisfied within thirty days. Additional certified demands will be sent to the attention of XXXX XXXX at XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently turned down for a new car loan because of an unknown credit entry on my " Experian '' credit report. I contacted " Experian '' this past Friday and asked them to mail me my " Free '' annual " Experian '' credit report. They said, " No. That I had to PAY for it! ''
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I went into XXXX XXXX  to purchase a refrigerator. The salesperson told me about their lease to own program where I would put down a small deposit that day and every two weeks they well deduct XXXX out of my account until the terms of the license was satisfied., Fastforward to XX/XX/XXXX, I noticed that money was still being taken out of my account at this point I knew my license would of been paid in full. I added up all the charges and saw that I paid over XXXX more than the lease. I contacted the company and was told they will refund the last transaction but their is nothing more they can do because it's a lease to lease agreement. That isn't what I was told at time of purchase and who would pay double the price knowingly, they even tries to get me to enter into another agreement to do a rent to own.At this point o was frustrated and tries to dispute the charge with my bank, but being that some of the transactions were over 6 months there was nothing they could do besides refund me XXXX, which equate to 2 payments. No one ever told me that I needed to contact the company to have payments stop. Once a contract is done all payments should of seized, but they continued taking money out of my account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payment was made on time, which is within XXXX  XXXX XXXX period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Received a fraud collections from XXXX XXXX under credence management. I filed a dispute a month ago and made a police report but nothing happened and it's been a month.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dispute the address at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX reported on XXXXXX/XX/XXXX, with dispute number XXXX XXXX XXXX XXXX  Additionally, I request the addition of my employer, XXXX XXXX XXXX XXXX 

Regarding inquiries, I dispute the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove these inaccuracies promptly. Thank you. 

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

XXXX XXXX XXXX XXXX XXXX sent me a check for {$2000.00}. I deposited this check using the mobile depositing feature on the chase app on XX/XX/XXXX. I got a notice that the funds would be on hold until XX/XX/XXXX, but today while on the phone with the bank they said that my account is restricted and will be closed by the XXXX. This is complete XXXX & I need to pay for my XXXX, this is completely annoying and I need a solution. The original bank is XXXX XXXX and had I knew that it would be this much hassle I wouldve just opened an account with them then deposited my check.
Product: Debt or credit management

Spoke with a representative on XX/XX/XXXX to resolve an old debt and prior to making the payment I have requested for documentation for paying debt off. Representative advised myself that we keep our word and they will send me an email within 2

4-48 hours stating that I have repaid my debt and request for deletion from my credit. While making the payment and the representative repeating my payment INFO their system went down for almost a minute. 

I have not received that email as of XX/XX/XXXX @ XXXX pst. 


I am filing this complaint because I will not associate with the company National Credit Systems beyond that day due to their unprofessional rebuttals and not meeting their OWN expectations.

Thank you for your time.
Product: Student loan

I have XXXX loans with american education services. XXXX with a high interes of 14 % in the amount of {$6600.00} and another XXXX with an interest rate of 8.313 % in the amount of XXXX. I have been making payment since 2011 and the amount has decrease very little. I always make my payments but it gets difficult with so many other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made this dispute with XXXX on several occasion. This last occasion I submitted indisputable proof. Every 30 business days or so since the start of the new year I have disputed 3 accounts with XXXX all three are with the same company for medical bills. The debt collection agency is TSI/ XXXX also known as Transworld Systems and the  account numbers are as follows XXXX, XXXX, & XXXX. My last dispute on XX/XX/2019 which was received on XX/XX/2019 by XXXX and was verified by a Manager at XXXX by the name of XXXX employee number XXXX, this dispute letter simply addressed the fact that the account was showing as a charge off and also was showing a past due balance which it can not show a past due if the account is charged off. It also didnt show a DOS or DOLA date, further violating my consumer rights. The open date was also showing an incorrect date for the account and with all of these things I asked them to delete the misreported account from my credit file. I also sent in a copy of checks that I wrote to the collection agency and the stipulation of cashing those checks which was to remove the accounts from my credit report and consider them paid and satisfied. They cashed those checks and did not have those files removed, they did not even update the payments that I sent back in XXXX or try to deduct that from the balances shown after they cashed the checks. The information has been updated every month for the same amount as before they cashed each check. I called XXXX  on XX/XX/2019 I spoke with two agents explaining all this and they refused to help me so I asked for a supervisor I got XXXX employee number XXXX who also refused to help me after 30 minutes of being on the phone so I asked to speak to a manager. Thats when I spoke to XXXX  employee number XXXX and I asked him what the course of action is when a customer disputes an account for accuracy and provides proof what does the investigation by XXXX  intel? His response like all the other XXXX  robot agents is that they only initiate the investigation they dont report information or change it, so they present what the consumer says to the agency that has reported the item and then whatever the response is by that company they go with that and close the dispute. I explained how that was a clear violation of my rights given the proof I had presented, plus that fact that they didnt even update the amounts of the checks they cashed to reflect on the balance. XXXX and XXXX   ruled in my favor so how is it given the same information XXXX just goes with whatever Transworld/TSI has to say when I clearly proved them to be reporting false information. After and hour and ten minutes on the phone getting nowhere, the conversation ended with the manager blatantly telling me that they will not change anything until TSI updates the information and that TSI doesnt have to prove any of what they are reporting. Its baffling to me that XXXX even opens a dispute at all given that they dont investigate. Something needs to be done.
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX and I am a victim of identity theft. My identity has been stolen and the following listed accounts on the FTC report are FRAUDULENT. please block and remove these fradulent accounts. I did not open or aply for these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and XXXX  XXXX, XXXX XXXX as well as XXXX XXXX  has fraudulent information on my credit profile.
Product: Debt collection

THE CREDITOR IS MISREPRESNTING THE DATE THEY LAST CONTACTED ME THE CREDITOR. I LAST HAD CONTACT WITH THIS CREDITOR IN LATE XXXX OR EARLY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP. I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report.
Product: Credit reporting or other personal consumer reports

I

n 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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 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.