23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S code 1692 ( g ) validation of debt XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY.

Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got 2 Auto loans that is suppose to be in my brother name. One is from XXXX XXXX  for a XXXX  and the other is financed from XXXX. This has been negatively affecting my credit and has stopped me in the pasted from getting a new car and home. Additionally, there is a credit card from XXXX  XXXX XXXX with a total balance of XXXX, that belongs to my brother. We are XXXX  and were born on the same day with the same first name ( different middle name ). However, we have different social security numbers to differentiate us. I had to make this report because there is too many inaccurate information for me to dispute from multiple credit companies. I can only do XXXX dispute every XXXX days or when the investigation is completed. Also, I should have no credit inquiries for the month of XX/XX/XXXX. That was not me. That was my brother. Please assist me on this matter.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against U.S. Bank for their failure to resolve an issue regarding funds from a closed account. For over two years, I have been trying to obtain the money owed to me from this account, but despite my numerous attempts to resolve this matter, U.S. Bank has not provided a satisfactory resolution. Below are the details of my complaint : Issue Summary : After closing my account with U.S. Bank, they issued me a check for the remaining balance. However, the check has never been cashed or deposited. I have repeatedly requested a replacement check or an alternative means to access my funds, but U.S. Bank has refused to issue a new check. 

Communication History : On XX/XX/XXXX, I received an email from their social media customer service representative ( XXXXXXXX  ), stating that such requests from another bank could take up to a year. This was already over two years into my waiting period with no resolution. 
The representative offered no timeline or proactive solution to address my concerns. 
Impact : This unresolved matter has caused me significant frustration and inconvenience. I have waited far beyond a reasonable timeframe for a simple replacement check, and I feel that my concerns have been ignored. 

Desired Resolution : Immediate issuance of a replacement check or an alternative method to access my funds. 
Clear communication regarding the status of this issue.

Assurance that this matter will be resolved promptly without further delay. 
I appreciate your assistance in investigating this matter and holding U.S. Bank accountable for their lack of response and resolution. Please let me know if additional information or documentation is needed. 

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

These inquiries have no permissible purpose to be on my report. Account : XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX, Account : XXXX XXXX XXXX : Inquiry date XX/XX/XXXX, Account : XXXX XXXX, XXXX : Inquiry date XX/XX/XXXX, Account : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Today, I was shocked to discover accounts that dont belong to me on my credit report, with no explanation for why they appeared. I check my report frequently and had no issues until now, yet today it showed errors that wouldnt go away, even after refreshing my browser. I need the documents I provided to be carefully inspected so I can avoid this type of worry in the future.
Product: Credit reporting

Experian is reporting address information that do not or never belong to be. Please assist me in getting the following address information removed from my credit file : XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

I deposited my payroll check in XXXX atm on XX/XX/XXXX for {$570.00} and it cleared and was deposited on XXXX XXXXXXXX.i spent the {$570.00}. Then XXXX I deposited my payroll check for XXXX and it cleared and was deposited on XXXX. Then XXXX my payroll was direct deposited into my account and was cleared.i paid bills and was lefted with {$330.00} in my account on XXXX, on XXXX my account was overdrawn by {$810.00} when I called to see what was going on, they told me they placed a 10 day hold on both of the ATM deposits.after calling 4 different departments and locations one of them let it slip that no one picked the checks up from the ATM till XXXX so my first deposit was lefted in the ATM for 14 days and now I have to wait another 10 days to access the money that is already spent because it was cleared 24 days before I will be able to access it. On top of that I have to put a stop to my direct deposit coming on XXXX for {$520.00} because they will put that towards the overdrawn amount of {$810.00} still leaving me negative {$290.00}. I wont be able to access my money till XXXX
Product: Money transfer, virtual currency, or money service

I use the crypto.com platform to do some trading. I have {$47.00} in cash left in my account and I do not plan to trade using this service in the future. When I try to withdraw my money, their system refuses to do so because it says that I am under their {$100.00} withdrawal limit. I contacted support and they said I will need to deposit more money to bring my cash total {$100.00} in order to withdraw the {$47.00}. 

They are holding my money hostage and will only release it if I deposit more money into their service,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I am disputing the missed and late payments reported on this account. I kindly request that you provide detailed statements and records of all payments made and missed since I opened the account. 
I also disagree with the results of your investigation. Please mail me the documentation supporting your investigation and proof of the negative payment status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 


status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> The items in question are either inaccurately reported or have already been resolved. I request a thorough investigation and correction of these inaccuracies. Despite my efforts to contact the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and substantiate my claim. 
Please investigate this matter promptly and update my credit report to reflect accurate and updated information.
Product: Money transfer, virtual currency, or money service

Me XXXX XXXX XXXX have been banking with Schwab bank for almost a year they restricted my account for a XXXX dollar XXXX purchase i have stocks and bonds money I use to earn a living they completely blocked all access to all six of my accounts I verified my identity I sent my drivers license proof of address answer personal question from third parties I have lost shares in my stocks I have lost penalties have lost finances I am seeking legal action for discrimination XXXX motivated my investments have been ruined my money is declining I recently faxed documents to verify address and identity I was told I would be contacted in two days its been a week and this is ongoing.
Product: Credit reporting, credit repair services, 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. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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

I have been having several issues with Equifax. I was recently doing some business with my bank when they told me they were unable to access my credit information because of a security alert that was placed on my account. I was aware of the alert because I placed it owing to the incident where customers information was compromised from the database of XXXX XXXX XXXX XXXX. I placed the alert in XXXX of this year and know that it should automatically be lifted in XXXX. However, I was not sure of the date that it would be lifted. I called Equifax and asked them to remove the alert from my account. The representative said she did n't see one and would speak with her superior. I waited to have this person come to say that she would be able to issue a credit report and resolve the issue ONLY if I sent in my driver 's license and social security card. I told them by doing so, my right to privacy would be violated and I will not send to them such personal information. She said she would not be able to speak with me further. After getting off the phone with Equifax , I decided to call XXXX, the representative there said they would only ask a few questions from my history to confirm my identity then they would remove the alert on my behalf. They did. On XXXX XXXX, I decided to compare my XXXX credit reports on XXXX XXXX. I saw that Equifax has given me a a lower score as compared to the other XXXX Bureaus. On the report, it showed that I have had only XXXX credit inquiry for this year. Equifax listed that I had XXXX. When I checked the details of that, it showed an Inquiry from " XXXX XXXX XXXX '' on XXXX XXXX, XXXX and XXXX ... XXXX hard inquiries from XXXX institution, XXXX days in a row. I called Equifax to resolve the issue, again they said they will not speak to me until I send my Driver 's License and Social Security card to them. I do not plan to send any type of personal and sensitive information to them. I consider such request to be a violation of my rights and privacy and I do not wish to comply to those terms. Furthermore, that information is not required from others living here in the United States and I can not see why I am being singled out. This is my XXXX year living in the United States, I had been granted citizenship in XXXX of this year, I have worked very hard to build my reputation and my credit for the few years that I have lived here. I do not purchase the things that I can not afford and I remain satisfied with what I have worked for but I believe that Equifax is trying very hard to sabotage me and many other persons here in the U.S. because of their careless and nonchalant tactics in credit reporting. I must also add that Equifax has refused to give me my free credit report for this year. Any assistance from your entity to resolve my issue with Equifax would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed my personal credit file from the individual Credit Reporting Agency 's and noticed that there were several ( 25-35 ) unauthorized credit inquiries on my report. I contacted  XXXX directly and spoke with 3 different representatives and explained that my credit file was accessed 3 times in one day by a company and 5 times within 8 months by another. I advised them that my credit file was being abused and they kept stating that it was a factual representation of my file. I went over each inquiry with the representatives one by one and let them know which inquiries i authorized and for what occasion, and they refused to remove or investigate the inquiries. I was in fact told by the representative ( supervisor on duty XXXX ) that they do not investigate inquiries and in fact the ability to dispute them online or even by sending in a motion to investigate the inquiries via mail, are pointless and will not be investigated because " it is a factual representation of the consumers credit file ''. This is hard to believe when I, as the consumer, openly stated which inquiries i authorized and which ones i did not! As stated by FCRA rules all disputes must be investigated. XXXX is failing to comply with FCRA laws and regulations. The inquiries in dispute are listed with their corresponding dates : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX :XX/XX/XXXXXXXX XXXX : XX/XX/XXXX XXXX :XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX ( not a typo twice in one day ) XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX ( yes they accessed it 3 times in one day ... you now see my point ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXAs you can see from the inquiries listed  above, there has been misuse of my credit file and the representatives of XXXX refuse to handle the situation promptly, instead they state that inquiries will not be investigated, which directly goes against FCRA laws and regulations. FCRA section 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Product: Debt collection

The aforementioned credit agency representing   XXXX   XXXX   has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If  Receivable Mgmt Group  does not have any documentation, they need to remove this from my credit file immediately.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason one day and wont help me to get it back, I am losing hope from them, because that payment is really important for me and my family, especially during the covid-19, as we can not work and still need to pay bills. Paypal told me I can withdraw the balance after 180days. But I noticed a total amount of $ 8,357.49USD ( through two separate transfer to paypal XXXX 7969.63usd on XX/XX/2020, and the other amount of XXXXthe same day ) has been taken by Paypal from my account on XX/XX/2020. I was trying to get help from them but they can not provide any useful information to me about this. So I file a report to CFPB and wish to get this issue resolved, the email I used for my paypal is XXXX.
Product: Credit card or prepaid card

I CALLED XXXX CHASE BANK SPOKE TO A REP FROM THERE THAT WAS VERY RUDE AND NASTY TOWARDS ME WHEN I WAS TRYING TO REPORT FRAUD ON MY ACCOUNT. I TOLD HER THERE WERE SEVERAL CHARGES ON MY ACCOUNT AND I DONT KNOW WHO THE MERCHANT IS AND NEVER AUTHORIZED THESE TRANSACTIONS TO BE PROCESSED. THE REP FROM XXXX TOLD ME THESE ARE TO OLD TO LOOK BACK AND SHE COULDNT HELP ME. IM A ELDERLY MAN AND I DO FORGET TO CHECK MY STATMENTS I JUST PAY THEM. WITH THE HELP OF A FRIEND WE SAT DOWN AND WENT OVER OLD STATMENTS AND FOUND THESE CHARGES AND THATS WHEN I KNEW I WAS PAYING FOR THINGS I NEVER KNEW OR AUTHORIZED SO MY FRIEND AND I CONTACTED THE XXXX COMPANY. I WILL LIST THE CHARGES AND DATES SO YOU CAN SEE HOW MUCH MONEY WAS TAKEN FROM MY ACCOUNT ; XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX THIS IS ALOT OF MONEY THAT WAS FRAUD ON MY ACCOUNT. PLEASE HELP ME
Product: Student loan

Payment was made to EDFinancial Services for an amount of {$5000.00} on XX/XX/year>. The {$5000.00} payment was taken out of our bank account but has yet to be applied to the account going on almost a month later. 

We have made electronic payments directly through bill pay through the bank before to EDfinancial services with no issue but with the {$5000.00} payment nothing has been applied. 

In looking back through past payments, everything as far as my account number and payee address is exactly the same so there should be no reason as to why this payment is being held up. They are claiming to have not received the payment.
Product: Credit card or prepaid card

I currently hold the bank 's Visa XXXX card which includes many travel benefits and costs {$400.00} per year. On XX/XX/2019, I was charged the annual fee for the upcoming year. On XX/XX/XXXX, the bank decided without prior notice to remove many of the card 's benefits for the upcoming year. Included in this change is the discontinuation of the Visa XXXX Discount Air Benefit, the addition of a charge for all guests that accompany the primary member into a Priority Pass lounge, the discontinuation of gasoline and grocery purchases earning bonus ( triple ) points, and a cap of {$350.00} in Airline Incidental Fees Statement Credits per card account ( versus {$250.00} per cardholder including additional cardholders ). 

I discovered these changes on my own several days after they occurred ( the bank has not yet formally informed me ). I was advised by the bank that I would be unable to receive a refund of the {$400.00} annual fee even though there were significant changes which were released one day after the fee was charged to my account. I inquired as to whether account closure or a downgrade to another product would suffice to receive a refund and was informed that it would not.
Product: Credit card

American Express sends me emails and offer letters offering a XXXX XXXX credit card. They do this several times a year. I decided to apply. I have a credit score of XXXX XXXX depending on which agency is reporting. I made over XXXX a year, own a home, have rental properties and a solid job of 10 years. 
They denied me instantly and when I called to find out what happened XXXX the emailed me a rejection letter ) I was routed to a call center in XXXX. I could barely understand the people I spoke with and no one could tell my why I would be declined. I asked to speak to someone in the USA. But when I did they told me I had to deal with the XXXX Call center. When I told the supervisor they were not able give me any explanation. I was told that there was no one else to speak with. I asked to be put in touch with American Express HQ here in the USA and was refused. I can not believe " American '' Express has no one in the USA that can deal with this type of treatment.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I've been trying to get my Equifax report to update for a few months now to no avail. My report on myequifax.com is not updated and everytime I check XXXX party apps, my equifax report is not updated.