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

Per attachment, " Offer Code '', I registered for the {$300.00} checking account bonus on XX/XX/XXXX and opened the account shortly after. 

As shown in the " Offer confirmation '' pdf, I met the promotion requirement by direct depositing more than {$1000.00} and enrolling in the online bank and bank confirmed that {$300.00} would be paid by XX/XX/XXXX. 

I tried to transfer money into my checking account on XX/XX/XXXX and it did not work so I called on XX/XX/XXXX to investigate the issue. Upon calling the local branch Regions bank at XXXX, XXXX XXXX, she mentioned that I needed to submit proof of address so I forwarded my lease and utility bill to her only to find out that my account is closed and my bonus is cancelled/overridden manually by someone and she can't do anything about it. 
Attached " follow up '' is the proof that I sent in the utility information. Another thing to note is that they never informed me of the request via email, message or physical mail of utility information to verify my physical address until I called them. It appears that it was a cheap, sneak trick to deny my bonus by closing my account based on nothing.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to inform you that I am a victim of the data breach that occurred as a result of the high-risk security incident involving your company. In accordance with 15 U.S.C. 1681c-2 ( a ), I am requesting that all accounts related to my personal information and listed be blocked and deleted from your records to protect me from potential harm or fraud.
Product: Credit card or prepaid card

Synchrony Bank sent me a credit card I did not request. A few weeks ago my computer was hacked which I report to FTC and the the hackers may have ordered the card? I don't know. I tried reaching Synchrony Bank online and by phone and was not successful. I have written a letter and will mail it tomorrow to cancel card as I didn't order it nor did I activate it but I believe there are charges on it that aren't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under law 1562 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX  Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : EXXXX XXXX XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : DEPT OF ED/XXXX Account Name : XXXX 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. States : It also states a consumer reporting agency can not furnish a account with 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 than adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- ( A ) ( 1 ) A person may 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: Money transfer, virtual currency, or money service

I want all monies due I have been asking for a customer service agent or number on Cash App for years
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, a {$1000.00} check from my Retirement Account ( XXXX  ) via XXXX XXXXXXXX XXXX was sent to me XXXX. Upon realization the check had been delivered in my absence ( 2 days ), I immediately contacted XXXX to report the check stolen from my residence. Some weeks after, I was mailed paperwork by XXXX which included a copy of the stolen check with fraudulent signatures that had been deposited into a Navy Federal Account via mobile deposit. I was told to initial the copy and send it back to XXXX. I maintained communication and was sent an affidavit form to complete and mail back. I was told that an investigation was ongoing at that time, but I've heard nothing since that time. As I continued my follow up with XXXX on XX/XX/XXXX, I was told by XXXX reps that I would have to get XXXX XXXX to re-produce the check without documentation. I contacted XXXX XXXXXXXX XXXX  that same day and was told that Navy Federal is responsible for the check being cash fraudulently and the issue was in their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent LexisNexis a letter asking for their method of verification for the Bankruptcy that they reported to the Credit Bureaus that is listed on my credit reports. I simply want LexisNexis to tell me how they obtained the Bankruptcy information they reported to the Credit Bureaus. I called LexisNexis about a week ago to see what the status was, and they informed me that they had received my letter, and they are waiting for a response from the source they used to obtain the information. LexisNexis received my letter on XX/XX/2021, and all they had to do is tell me where they got the Bankruptcy information from they reported on my Credit Report, which they should already know, it does not take over 30 days to do that! the tracking USPS number that proves LexisNexis received my letter on XXXX is, XXXX. Once again LexisNexis, I'm asking for your method of verification please, how did you obtain the bankruptcy information you reported to my credit reports? 
My drivers license and social security card is attached in the uploads for proof of identification.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I mailed letters to all 3 credit reporting agencies ( XXXX, Equifax, and XXXX ) on XX/XX/2021 and have yet received any correspondence regarding the status of investigation and/or results of my disputes. It has been 35 days and I still have no correspondence. 

I also mailed XXXX, Equifax, and XXXX a second follow up letter demanding a reesponse since it was after 30 Days on XXXX XXXX and still have not had any correspondence. 

This is a violation of my rights under FCRA.
Product: Debt collection

Americollect is trying to collect on several medical bills that are not mine. I asked them to validate the debt and they sent an break down of all debt BUT they are not mine. There is nothing other than the name and address that links this to me. They did not show anything with Date of birth, or Social Security number. They are only using my name and my name is common. None of the items they are reporting to the credit bureaus are mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I SINCERELY APPRECIATE UNITED WHOLESALE MORTGAGE 'S GRACE TO REVISE MY CREDIT REPORT BY DELETING THE LATE PAYMENT. HOWEVER, IT HAS BEEN MORE THAN 30 DAYS AND THE REVISION HASN'T TAKEN PLACE YET. PLEASE ESCALATE THIS MATTER TO BE REVISED WITH THE CREDIT BUREAUS ASAP PLEASE. I ATTACHED THE PREVIOUS RESPONSE FROM UWM JUST IN CASE. PLEASE SEE THE LAST 2 PARAGRAPHS. THANKS,
Product: Vehicle loan or lease

The loan for the car on my reported charged of but when I put a dispute on accuracy it changed. It showes I've missed a payment every month and the balance increases. The original loss was reported at XXXX. Now its XXXX? How can they do both. Company repped the car never gave me a chance to fix the problem with the dealer. It was a hybrid  and the batter wasnt charging. They were looking in to it when the company came an just took it the same day I talked to the lady ... I put of XXXX dollars on that car. I lost my job. I lost my home. It was horrible. I feel the company was unfair. I have several loans with them. Person I worked with wasnt pleasant. It was just 30 days. It's been traumatic situation. I've disputed on all the bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX  XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquires on my ( TransUnion ) credit report. I recently retrieved my credit report and it showed ( 6 ) credit inquiries that I have no knowledge of ever authorizing.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Removal date : XX/XX/XXXX ) -XXXX XXXX  ( Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX ) -XXXX ( Inquiry Date : XX/XX/XXXX XXXX Date XX/XX/XXXX ) -XXXX  ( Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX ) -XXXX XXXX  ( Inquiry Date : XX/XX/XXXX Remvoal Date : XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score doesnt match my credit history. I am a responsible consumer with no late payments, no derogatory marks and no late payments in at least 6 years yet my credit score never gets above XXXX for a mortgage. I several types of open accounts, all in very good standing. When an inquiry is made companies are being told that Delinquency or derogatory status on accounts is to recent, not enough balance paid down overtime on first mortgage accounts, not enough available credit on revolving accounts. All of these make me seem like I should have a bad credit history but I do not and when I call to resolve the issue. I am simply told that it is computer algorithm. This issue has been going on for 10 years since I bought my house. Recently my credit on one of my credit cards was decreased by over {$4000.00} because of this type of information that are inaccurately being reported during an inquiry. Currently Im using about 50 % of my credit due to Covid. I dont see how that XXXX race my previous credit history. I did not work for six months and had to live off of my credit cards when I was laid off for Covid and still never missed a payment.
Product: Credit reporting or other personal consumer reports

JP Morgan Chase bank is reporting a closed credit card account. I applied for this card to see their offer but I did not authorize the opening of this account after reviewing their offer. I am not now, nor have an ever been, a customer of JP Morgan Chase Bank and consider this account to be fraudulent. Does this company open accounts in peoples names without their knowledge often?
Product: Checking or savings account

Never received my XXXX XXXX  cards, reported them stolen and filed disputes on ALL debit transactions of 2 accounts. XXXX XXXX  continues to deny disputes when I still have not ever received any cards!!!!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$7300.00} XXXX  XXXX Balance : {$4800.00} XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$3000.00} XXXX  XXXX Balance : {$4900.00}
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX  and XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the The Fair Credit Reporting Act, XXXX XXXX account ending in ( XXXX ) has violated several of my rights. 
15 U.S.C 16681 Section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Remove these account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 



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

Subject : Complaint Against Experian for Failure to Update Credit Report Information Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Experians failure to respond to my formal request for updates to my Experian credit report. On XX/XX/year> at XXXX XXXX I sent a letter to Experian via certified mail, which was received by their office. As of today, I have yet to receive any response or acknowledgment from Experian. 

Under 15 U.S.C. 1681, Experian is required to report only accurate and current information on my credit file. In my letter, I requested that Experian remove all outdated name variations, addresses, phone numbers, and employers, leaving only the information I provided. To substantiate my request, I submitted supporting documents, including my drivers license, Social Security card, acceptance letter, and voter registration card, all of which validate my identity and confirm the updated information. 

Despite providing the necessary documentation, Experian has not responded to my request. As a result, the outdated information remains on my credit file, and the updated information has not been incorporated.
Product: Credit reporting or other personal consumer reports

) you received my dispute regarding some transactions and late payments that you and ( Put creditor name here ) furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( Experian, XXXX, XXXX ) stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures desig
ned to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to
ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Mortgage

on XX/XX/20 i sent a check to hsbc bank i waited several weeks for the XXXX to be posted. i call hsbc on XX/XX/20 and spoke with a lady first who passed me off to a manager named XXXX he asked if i was paying off the bill i stated i was putting money on my account and i asked him i he could take the esc money to pay loan off in full.. XXXX stated you cant use that esc money to pay off loan. XXXX then stated all pay off have to be paid off in full by a certified bank check.. i question him on the fact every payment for the last 20 years was cashed and it was from my personal bank acct, XXXX then stated the check was mailed back to me ive waited 10 days and still no check/ now i get a letter saying i am delinquent /where my check. please have some one who is people friendly call me
Product: Checking or savings account

Elderly woman 's bank account was frozen by Wells Fargo branch in XXXX, NC. Reason given was for non payment to the NC DEPT OF REVENUE in which she was supposed to pay XXXX dollars a month to satisfy a debt owed. I Called the bank and asked what could be done to have the account unfrozen so that the woman could could pay her bills. The representative told me that if she authorized a payment of {$190.00} to the entity owed the money that she then would be able to have access to her account in order to take care of her business. After paying XXXX dollars the bank said that it could take up to 24 hours for the release to occur. That date was Friday, XX/XX/XXXX. On Monday XX/XX/XXXX she went to the bank to withdraw money in order to pay her bills and only XXXX dollars was left in her account out of XXXX dollars. Now this woman has to face eviction and utilities shut off. After further investigation of the matter, it turns out that it was not The Dept of Revenue, but instead a car rental company that said that she owed money for a car rental. The bank charged her XXXX dollars and then gave her money away without her knowledge or authorization. She is now fighting a losing battle with the bank in recovering her money. Could you or someone help this poor woman?