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

In XXXX I used a ATM at XXXX XXXX XXXX in NORTH CAROLINA to withdraw {$200.00}. The ATM didnt give me the money but withdrew it from my account. I called NAVY FEDERAL to report this problem. After an investigation I was told there wasnt an error and my account went into the negative.
Product: Credit reporting or other personal consumer reports

I was accessing my credit report and notice a bill that did not belong to me in collections. According to the 15U.S.C 1681 law there should not be any damages on my report and is a defamation to my character.
Product: Checking or savings account

On the XXXX of XXXX, I tried to do a transaction with the Trust Bank. They delayed the transactions and I believe they delayed the transactions so they can make money from Late fees. Only account. I can't a transaction that should have taken one day end up taking. 10 days. They were waiting for me to overdraw the account on a transaction.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, EQIFAX. XXXX, XXXX, EQUIFAX has violated my consumer rights and violated federal law. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please REMOVE these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
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 TransUnion 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 : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. 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 : My payment for XX/XX/XXXX was made on time, as evidenced by bank statements and payment confirmation receipts that show my payment was processed and sent well before the due date. 
Despite providing these documents, the late payment was inaccurately recorded on my credit report by all three agencies ( TransUnion, XXXX, and XXXX ). 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, TransUnion, XXXX, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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
Product: Credit reporting or other personal consumer reports

I tried disputing these hard inquiries off my credit from all 3 bureaus and havent been successful removing all these inquiries I have not done.
Product: Debt collection

Pinnacle Credit services purchased an account from XXXX XXXX and has XXXX trying to collect on an account that is from XXXX that I paid to XXXX. Pinnacle Credit XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact XXXX XXXX XXXX who told me that the account was sold to Pinnacle Credit Services on XXXX/XXXX/XXXX. Pinnacle is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.
Product: Debt collection

On XX/XX/2020 XXXX XXXX Hospital XXXX  send me to collections with CMRE for the balance of XXXX $ due to my daughter 's ER visit earlier this year. 

Totally to my surprise because my daughter was and is insured by the time she went to the ER. 

I've called them to asked numerous times why was I being charged but they keep sending me to different departments to the point that I had to call CMRE myself and let them know that this is a mistake. 

The answer was to wait 45 days before they can remove or resolve this issue. 

That was almost two months ago.

It's extremely unfair and is hurting my credit score tremendously, especially now. 

Thank you for your help in advance. 
Best regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax company is not complying with FCRA regulations. I am a consumer that is currently under a forbearance program that prohibits any derogatory reporting to the credit reporting agencies. Currently Equifax is inaccurately reporting delinquencies into my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

this is inaccurate information thats reporting and i want these to be removed im a victim of identity theft and wasnt my consent ive also check the credit reports and the dates are not the same so on the credit bureau by law has to be removed because its proven isnt mines and not my consent and it has different dates
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

XXXX as well as XXXX 2023 An formal request for validation of the following inaccurate items on my credit file was requested from XXXX, Equifax and XXXX XXXX These company 's has violated my rights under FCRA 15 U.S.C 1681 Section 604 A. 15 U.S.C 1681s - 2 ( A ) ( 1 ) 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Product: Checking or savings account

On XXXX XXXX XXXX  I applied for a checking account with BMO harris. I then received a letter at my email that is XXXX XXXX telling me that I was denied an account because the bank couldn't verify my identity. This is false because I put in my correct date of birth social security number and address so they could of identified me easily. The bank did this on purpose to me so I would not get the {$400.00} bonus that was promised to me in the mail with reference number Bonus code : XXXX. 
I was sent 2 different reference # XXXX XXXX and XXXX to my email.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Navy Federal via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Navy Federal has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a Bank Account with XXXX XXXX XXXX XXXX. My application was then denied when I called to ask them why I was first told that my name came up on ChexSystems. I then ask what came up, and the customer service rep told me I would have to contact ChexSystems. I went to the ChexSystems website and was able to pull up my report from ChexSystems, and It had nothing on it. I then called XXXX XXXX XXXXXXXX XXXX and spoke to a rep named XXXX. I explained to her the situation and asked what was on the report they received because I don't see it on the report I pulled up online. She couldn't give me the information and stated that I would have to file another application If I believed a mistake was made. I then ask to speak to a supervisor, and that one would call me back. I later revived a call from XXXX XXXX XXXX, Second Vice President, Online & Mobile Banking Customer Service Supervisor , Online & Mobile Banking, XXXX XXXX XXXXXXXX XXXX XXXX XXXX She informed me over the phone that ChexSystems had reflagged my address stating it was non-residential and comes back to a homeless shelter. I informed her that the information is false, and she told me to contact ChexSystems. When I contacted ChexSystems they denied providing any other information than what I was able to download from the site.
Product: Debt collection

I received a letter from Franklin Collection Services. The letter offered me an settlement on an XXXX account that I do not have ( never had XXXX ). In the letter it stated pay or contact your attorney. I attempted to contact this company and was told that they suggest I speak to my attorney to protect myself. When I asked from what the agent laughed and stated collection efforts. I now feel intimidated and afraid for my life and my financial future, seeing as these people have my address and my phone number and are threatening legal action with no proof or validation offered!
Product: Money transfer, virtual currency, or money service

A 1000 dollar check was deposited into my checking account. I had call chase to cancel the check and not process the check but was not able to do anything about it and resulted in me paying double the amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX 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 a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are not updating my XXXX XXXX score & its affecting my ability to obtain a loan from the Small Business Administration to be able to obtain the EIDL. I need those 3 scores updated & rescored immediately so that I can get this approved. There is a 100 point difference & its making me look like an unworthy & irresponsible lender as well as human being. My FICO scores are in the 600s but the XXXX  XXXX is in the low 500s
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a car loan XX/XX/XXXX, last payment was XX/XX/XXXX which is incorrect last payment was XX/XX/XXXX, also the company claims they have a default judgement against me. My complaint is that the reporting info is incorrect of last payment, also the company closed my account XXXX XXXX 6 years later and updated it after i disputed in accuracy 2x now my score has dropped again 52 points after it dropped 100 6 years ago. The reporting is incorrect and reporting late in the past 60 days which can not be possible at all. My calculation now is based off a 60 day late with in the last 60 days. I have loss my home loan due to this and now Im paying for something 2x and its set to fall off XX/XX/XXXX this year but Im being calculated as if this is a 1 year charge off. This isnt fair or possible. My last 4 of social is XXXX. My date of birth is XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account number : XXXX, has violated my rights. 

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

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1200.00}
Product: Debt collection

On XXXX I contacted PDQ about a debt they had in their office. I disputed the debt and was threatened that this would be added on my credit report and ruin my credit and then I was hung up on. On X/X/17 I contacted the company again because they did just as they threatened and ruined my credit report by adding this as a collections. The manager threatened me once again and told me I was a liar before once again hanging up on me. His name is XXXX XXXX. The amount they claim I owe is {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I opened an account with XXXX XXXX XXXX, The Enrollment Fee was {$75.00} And the Credit Line is {$700.00}. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from XXXX XXXX XXXX  Due to the Pandemic. 

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest. 

Unfortunately XXXX XXXX XXXX  did not follow the Guidelines set fourth by the Cares Act & reported late payments XXXX, XXXX, XXXX, & XXXX of XXXX. 

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood. 

I have reached out to XXXX XXXX XXXX Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that  XXXX  XXXX XXXX  and other Predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.
Product: Debt collection

Portfolio Recovery calls multiple times every day and they need to stop all calls.
Product: Checking or savings account

I notified my bank and have had a case closed twice. Ive asked for it to be reopened again. I can not understand with all the proofs Ive sent them why they are not taking this matter seriously and refunding my money. I purchased three items from XXXX XXXXXXXX XXXX  XXXX XXXX  on XXXX XXXX of 2021. Two transactions through XXXX for {$5400.00} and {$5400.00}. XXXX never sent a receipt. Theses were ordered over the phone. He is in XXXX I sent a copy of an email from XXXX stating I have no receipt. The one purchase was for a jacket that was sold ILLEGALLY as per federal law it must have country of origin in it, which it does not. I sent pics of the tags that say only leather and how to clean. As to the skirt and dress it is a case of grand larceny as I never got them. The dress was {$3300.00} and the skirt was {$1800.00} with tax and shipping on top of that. I have filed a police report in this matter with my local police department. I have also hired an attorney in XXXX I can not believe in such a case of breaking laws my bank will not do anything to help me in this matter. Other than not having a receipt I have proofs pictures texts emails, voice messages. Huntington Bank
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX charged me for a loan insurance in case I become unemployed in 2009. When I become unemployed and went to use the insurance, they denied my claim saying that it was n't that kind of insurance. After much discussion, they agreed to drop the charge making me owe nothing. Months later, I started receiving calls from Midland Credit Management. I disputed the debt and told them that I do not want any more calls. They stopped for a few years but recently started calling again, 3 or 4 times a day. When I answer, they hang up. I 've called them and last time I spoke with anyone, the lady said, " Yes, your file shows that you did dispute the charge and we found in your favor, you owe nothing. It also states that you do n't want to receive any more calls. '' I asked her why I am receiving these phone calls and she hung up on me. Since that day, I am still receiving calls 3 or 4 times a day and I just tried calling them to be hung up on again.
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently contacted your organization about this issue and am now formally requesting the immediate blocking and removal of these accounts from my report. Their presence has caused considerable emotional and financial strain by misrepresenting my credit history and obligations. If this matter isn't properly resolved, I'm prepared to take legal measures to protect my rights. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.