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

On XX/XX/year> I went to the atm at XXXX XXXX to make a deposit on my newly opened account. They let me deposit cash and then deactivated the card and said there was a problem returning my cash. I found out the account was closed so why did they even let me deposit anything and not just keep the card but instead I get the card back but not the cash.I went into branch and tried to explain the problem to them I was told I needed to speak to the manager who had no interest in talking to me and my mother about this situation. His name was XXXX XXXX. He just gave a number to call offered no help a girl at the desk that was scared to get involved said she had tried everything she could and that the atm tech would be out after hours. We then asked the manager to talk to him since the atm just ate my XXXX and he told my mom not to sit in his chair he had another customer. Me and my mother went into the waiting area and the guy he supposedly was helping said he had been there several hours and he also wasnt being helped the manager was down right rude. There was also another guy in lobby complaining and trying to call customer service. We then waited on a banker by the name of XXXX XXXX and he filed a claim we have kept in contact with him and he said that there was miscommunication between him and the back office of bank I have all this in emails and also we have him on video saying how backwards the bank was and how the manager was always getting complaints anyways after waiting almost two weeks the claim was denied so I called customer service they supposedly filed another claim. And now I havent heard anymore so I requested surveillance video and a count of the atm that day to no avail. And I emailed XXXX XXXX XXXX  with no response. I feel like not one thing to get my money back has been done. I hope someone can help me get my money back. I have a XXXX XXXX XXXX and I need my XXXX and also me and my mom both have been so stressed out over this situation we are losing sleep and have XXXX XXXX XXXX. Not good for our health.
Product: Credit reporting or other personal consumer reports

Agency is reporting false and or outdated information on my credit report..
Product: Credit reporting or other personal consumer reports

Dispute Letter, Debt Validation Request & Immediate Update Request Round Point Mortgage : Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Note that none of these are currently collections accounts, but they all contain many inaccuracies in each account that reflects negatively against my credit ) I am writing regarding the above-referenced accounts, which currently shows a balance and was reportedly charged off due to non-payment during the XXXX pandemic. Under the XXXX XXXX, individuals and businesses were provided relief measures to mitigate the financial impact of the pandemic. My financial difficulties during this time were directly attributable to these unprecedented circumstances. 

Dispute of XXXX & reporting : I respectfully request a thorough review of this account. The balance shown does not appear to accurately reflect the provisions of the XXXX XXXX  or the potential assistance I may have been entitled to during the XXXX period. I request documentation showing the exact charges, credits, and adjustments made to this account during the relevant time frame. 

Request for Form XXXX If this debt has been canceled or XXXX, I request that you provide me with a copy of IRS Form XXXX for the account in question, as required by federal law. This form is essential for my tax reporting purposes and to confirm the status of this debt. 


Debt Validation Request from XXXX Bank : Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : XXXX. Validation of the debt, including the original agreement establishing this account. 

XXXX. A detailed accounting of the current balance, showing how the total balance was calculated. 

I trust that you will address this matter promptly. Please respond in writing within 30 days of receiving this letter. You may reach me at XXXX if additional information is needed to process my requests. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX - XXXX - {$220.00} XXXX XXXX XXXX - {$520.00} XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX  - {$610.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$660.00} XXXX XXXX XXXX XXXXXXXX - {$9200.00} Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WA XXXX XX/XX/XXXX These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Checking or savings account

On XX/XX/2018 I deposited {$10000.00} by XXXX to open a new HSBC account based on a promise of {$350.00}. After it took HSBC an unusually long period to credit that electronic deposit, I wrote them via their secure message feature to complain and to memorialize that I only opened the account for the {$350.00}. Since then, I have sent more than a dozen follow-up messages asking when I would receive the {$350.00} and I was told it takes time ( app. 90 days and it's been app. 170 days ) until now, when they did not even bother to promise the {$350.00} or offer an excuse but said instead that I can have my money back less a {$25.00} " penalty '' that they never even disclosed.
Product: Money transfer, virtual currency, or money service

Paypal is refusing to close account after multiple request to do so. Paypal customer service has lied on numerous occasions about closing the account and the ability to do so.
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires in my credit report.please remove XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had stolen my Identity ( SSN and other ) and applied the personal loan in company called " XXXX XXXX ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - XXXX XXXX XXXX Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " XXXX XXXX XXXX '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 the USC 1681. 

XX/XX/XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 card

Barclays ( XXXX XXXX ) credit card currently charge customers an immedidate late credit card fee of {$30.00} which I was charge this week as I hadn't set up my account correctly to be paid from my savings account by the XXXX XXXX. 
I did a search as to whether this fee was fair and noticed the decision made by the CFPB in XX/XX/year> that financial institutions were mandated to reduce any late credit card fees to {$8.00}. 
I asked the Barclays XXXX agent about this and they said this only applied to banks? He was not too helpful and had no idea about this decision. Barclays did however graciously agree to credit the {$30.00} late fee on my account. 
I am raising this complaint in case Barclays ( XXXX XXXX ) are required, as per the decision from last year, to only charge customers a fairer {$8.00} late fee, instead of a hefty {$30.00} fee. 
I look forward to your advice on this matter. 
Regards, XXXX XXXX customer
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 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 card or prepaid card

On XX/XX/22, at about XXXX p.m., I received a message on my phone asking if I was on the phone with them and I answered NO.. At about XXXX a.m., I checked email and was informed that my email was changed. I immediately called and was told nothing was changed. On XX/XX/22, I received a text saying my charge at XXXX for XXXX was approved. Again I immediately called and was told my whole account profile had been updated and a new was sent to the new address. I informed them tthat I DID NOT change anything, and a fraud investigation was started, and a new card with a new number was sent to me. 
On XX/XX/XXXX, a letter was attached to my account saying that it was not fraud and I was responsible for the charge. I again called on XX/XX/22 and complained again. Again the charge was removed and then put back on my account the same day.. I have had this card for over 15 years and have NEVER shopped at XXXX This is a Capital One mastercard and case number is on attached files..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

Experian violated the Fair Credit Reporting Act due to improper use of my Experian credit report for purposes not allowed by law, due to failing to uphold the obligation to remove from my Experian credit report any accounts placed for collection or charged to profit and loss which antedate the report by more than seven years, per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ].

Experian failed to uphold the duty to remove both accounts from my Experian credit report : DEPT OF ED/XXXX ( Opened XX/XX/XXXX ) and DEPT OF ED/XXXX ( Opened XX/XX/XXXX ) which per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Experian held a duty to remove both after the date of XX/XX/XXXX at the latestas both accounts are now nine years and eleven months oldand so, are too old to still be reflected in my Experian credit report, and per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ] of the Fair Credit Reporting Act, shall be removed from the Experian credit report, due to both DEPT OF ED/XXXX accounts that were opened in XXXX of XXXX antedating the Experian credit report by over seven years. 

This complaint is an effort for Experian to be compelled to remove all accounts that antedate seven years from my Experian credit report.
Product: Debt collection

Date of service XX/XX/15, amount {$1900.00}, original creditor XXXX XXXX XXXX. I was not in town during the date of services rendered, have proof of this. 

Have called multiple times to clear as this is not me, date of birth does not match, home address incorrect on hospital files. have disputed this at least 4 times with credit agencies. Each time I am assured that this will be resolved and hasnt been. Placed a hold on credit to help in future and fear identity thief. 

In the process of closing on home and this will affect it. have explained this to both creditor and hospital. appears that insurance is associating with me on their files.
Product: Vehicle loan or lease

I sold my car to a dealer they contacted chase auto lending ( XX/XX/21 ) to ask for a pay off amount which was {$44000.00} I was told of XXXX XXXX ( new car dealer ) sent the full amount of sale {$63000.00} the excess would be credited to my checking account in less then ten business days. Chase revived the check XX/XX/21. I contacted chase on XX/XX/21 and was told they had not received the check, I then went into the dealership to ask for information as to when the check was sent and a copy of the check as I was talking to the accounting department chase called them to verify the amount was correct and stated they would deposit the money in my account there next day. The money never arrived in my account I again called chase auto loan and was told because of the amount of the refund {$18000.00} they had to send a check ( XX/XX/21 ). I again contacted chase on XX/XX/21 because I had not received the check and was told they had placed an additional ten day hold on the check which expired XX/XX/21. After talking to a supervisor I was told she would contact their back office about getting the money released faster due to the fact it had already been under a ten day hold and I would receive a call back to confirm also that the check would be send XXXX. I never received a call back and the check never came so I called again XX/XX/21 and was told the funds have not been released because the back office hasnt signed off on it yet and they dont know when it will be released off who I should talk to. I was also charged interest for the ten days they had a hold on the check and was told my refund is now {$18000.00}.
Product: Debt collection

This company has placed a collection on all of my credit reports illegally. they have never served me with proper notices and have obsessively contacted me and annoyed me to no end regarding an unseen amount I owed to nationwide insurance. I told them I settled this debt and I had no responsibilities towards this any longer. I was told over and over again th at YES this amount was closed with the original company and that they would stop calling and harassing me. Now, I just checked my credit score to  see that they have placed a derogatory account over this small ridiculous sum on my  XXXX  credit reports and it has dropped my score over a  XXXX  points and I am devastated. They have no right to harass me and annoy me and try to collect a debt I had no idea about nor was I properly informed of. These people ruin lives and its not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report and found the following items to be in error, inaccurate, invalided and false : I'm a single mother and my consumer report is vital to my lively hood. These inaccurate account are causing me XXXX and stress and its prohibiting me from receive a good good to feed my family. 

1. The following personal information is incorrect Employers : XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete from consumer report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete from consumer report 4.Inaccurate and false RESIDENCE ON MA Account Number : XXXX Delete from consumer report 5. XXXX Inaccurate and false Account Number : XXXX Delete from consumer report 6. XXXX XXXX  Inaccurate and false Account Number : XXXX Delete from consumer report 7.Inaccurate and false XXXX Account Number : XXXX Delete from consumer report
Product: Mortgage

Every year or so my mortgage company tells me I have an escrow shortage and they raise my bill even though I have paid for every month and haven't changed anything to increase it. This is the second time I am going to the CFPB for the same reason. The first time it was fixed but now the mortgage company is doing it again.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
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 XXXXXXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

For the last four months I have been trying to have my escrow account analyzed to reflect that I no longer pay county tax. This is because I am a XXXX XXXX XXXX veteran, and my husband is a XXXX XXXX XXXX veteran. I became XXXX XXXX XXXX  in XXXX of 2018 ; my county allows for a tax abatement due to my XXXX status. However, US Bank has refused to perform a proper escrow analysis and they are still escrowing for county tax -- which I do not pay. I have tried to resolve this problem multiple times, and they finally updated my tax payment to {$0.00} ; however, they continually fail to complete an escrow analysis and as result they are still escrowing for {$110.00} for county tax -- which I do NOT pay. I want to know why they are still escrowing for an amount of tax that I do NOT pay ; and I want US Bank to stop doing this. I also want to know the legal authority that would allow US Bank to escrow for an amount of tax I am no longer required to pay.
Product: Credit card or prepaid card

Citi bank shows that I have missed a payment on XX/XX/2017 and tried having my credit line increase & tried to contact them to have it resolved but didn't get a solution.it 's definitely impacting my credit score and would like to have the late payment it removed from my report as well as get a higher credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with EXPERIAN since XXXXXXXX XXXX XXXXXXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have sent over my police report, my FTC report, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and EXPERIAN keeps choosing to look the other way and not help me. EXPERIAN opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expedite. I have spent over {$300.00} in the past year of mailing to them the same documents they are requesting. I am tired of going through this process and EXPERIAN wants to keep playing games with victims of identify theft. It should not take me 392 days to get identify theft removed from my report. There are several factors including XXXX DEALER CHARGE OFF and DEPT ED XXXX that still shows on my report. I hope this will be my last and final dispute to CFPB. EXPERIAN is holding me back from living my life, liberty and pursuit of happiness.
Product: Credit reporting or other personal consumer reports

I am urgently notifying you that I have been a victim of identity theft, which has resulted in numerous fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am demanding immediate action to address and remove them. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and insist on the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.
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 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 XXXX  xxxxxxxxxxxx XXXX CLOSED Account Status 24 % Credit Utilization XXXX XXXX Payments XXXX XXXX Age of Account XXXX XXXX  XXXX XXXX XXXX Account Status 127 % Credit Utilization XXXX Late XXXX XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX  xxxxxxxxxxxx XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXXxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account
Product: Credit card

I paid in full and closed this Walmart Card Credit card this information is incorrect i tried several times they make correction on this account and still appear on my credit record this is an old account with a lot of mistakes