23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I withdrew {$4000.00}, from my credit union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, TX, in the form of a cashier 's check. I then drove a few blocks to Bank of America Branch located at XXXX XXXX XXXX XXXX XXXXXXXX, TX, and deposited the cashier 's check. that was made out to my name. 

I asked the bank employee how soon the funds would be available and was told since its a cashiers check it should be immediately, but, no more than a day. Three hours later I received notification that BOA would hold my funds until XX/XX/2023. There is no reason for these funds to be on " hold ''. 

Had I cashed the cashier 's check and subjected my safety by having a large sum of money on my person I would not have this issue. The bank would not have held funds!!! 

This is the second experience of this nature. In the first, I was informed the credit union check was larger than the established amount of {$5500.00}. Based on this and the fact that a cashier 's check is the same as cash, I did not expect another issue that prevented me with the use of my money!!! 

Three hours after my deposit, I received notification that my funds would be held until XX/XX/2023, at XXXX XXXX local time ; Reason : " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' WHAT!?! This is totally unnecessary, and I believe BOA is being a bully. It does not take 13 calendar days/11 business days to verify a cashier 's check. This is ridiculous! 

The verbage on the website states, when asked : " How long does it take for a cashier 's check to clear in Bank of America? 
Funds deposited before XXXX XXXX ET on a business day will generally be available the next business day. Funds deposited before XXXXXXXX XXXX PT on a business day will generally be availasble the next business dayl. You will be notified if a hold is placed on any deposited funds ''. 

There is a systemic problem with BOA 's protocol. This cashier 's check is from a FEDERAL CREDIT UNION! BOA is holding my money and making compounded interest on it. 

I filed a complaint with BOA and the associate stated she would file a " grievance '' and I should hear something within a few days but she was sure my funds would be released. 

Comparison : My sister made a similiar withdrawal from the same credit union in the form of a cashier 's check then deposited it in her account at XXXX and her funds were immediately available without a HOLD!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, consumers have the right to request the immediate blocking or removal of fraudulent accounts resulting from identity theft. The accounts Com/Ulta ( XXXX ) and XXXX XXXX ( XXXX ) were opened without authorization due to a data breach, violating my rights under this law. Additionally, per FCRA 605B, credit reporting agencies must remove fraudulent information within XXXX ( XXXX ) business days of receiving proper documentation, including an FTC Identity Theft Report and proof of identity. Failure to comply may result in regulatory action by the Consumer Financial Protection Bureau ( CFPB ) and potential legal consequences.
Product: Credit reporting or other personal consumer reports

I went over my credit report I see there are XXXX of inaccuracies. Among the 3 credit agencies which are a violation to the consumer ( me ) 15 usc 1681e. 15 U.S Code 1681n I will be taking legal action against TransUnion, XXXX, XXXX. For reporting inaccuracies on my report. because of this I have been denied credit. Also my credit report has gone down drastically. This is DEFAMATION. 

These accounts either have different amounts different names, Or some say they are closed, while they are still opened on another report. 
These are the accounts with the inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Discover Bank XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX   XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX Fraud Inquiries. They won't remove
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 : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are 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 your reference. My 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 Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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 been trying to dispute item on my report that doesn't belong to me, fraud or mistaken identity but Experian Bureau refused to investigate it or response like account was verified without any support info.

here is the Item that should be removed from my report immediately : 1. Fraud. It has to be removed from my credit history report XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it.
Product: Debt collection

Dear Sir/Madam, I am writing to you in response to your recent communication regarding an alleged debt owed by me. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requesting that you provide me with the following information in order to validate the debt : 1. Verification of the Creditor : Please provide me with the name and address of the original creditor, as well as the account number associated with the alleged debt.

2. Detailed Account Information : Kindly provide a detailed breakdown of the amount claimed, including the original amount, any interest or fees applied, and an itemized list of all charges. This information will help me better understand the basis for the alleged debt.

3. Proof of Agreement : Please provide documentation demonstrating a legally binding agreement between myself and the original creditor, proving that I am responsible for this debt.

4. Chain of Ownership : If the debt has been assigned or sold to your agency, please provide documentation establishing your legal authority to collect on this debt. This includes a chain of ownership that clearly identifies each successive owner of the debt.

5. Cease and Desist Communication : I am requesting that you cease any further communication with me until the requested information is provided. According to the FDCPA, once a debtor has requested validation of a debt, collection activities must cease until the requested information is provided.

I want to remind you that failure to comply with this request within the timeframe provided by law may result in violations of the FDCPA and other applicable state and federal laws. In such cases, I may be entitled to pursue legal remedies to protect my rights. 

Please note that any future communication from your agency should be in writing and directed to the address provided above. Any negative reporting to credit bureaus should be immediately withdrawn until the requested information is provided and verified. 

I expect your prompt attention to this matter. Your compliance with the FDCPA is appreciated, and I trust that you will handle this request appropriately. I look forward to receiving the requested documentation within 30 days of your receipt of this letter. 

Thank you for your understanding and cooperation.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a XXXX Credit Card that is under Synchrony Bank. On XX/XX/XXXX, I called XXXX to close the account. I had never registered or used the card so my account balance was {$0.00}. 

However, I noticed that XXXX had opened another credit card account for me instead of closing my original one. Now there are currently two credit card accounts under my name in XXXX. I had no knowledge that another account was opened and I did not consent to opening another account. I also never received the other cards for the second account and I can not log in online to my account to I am concerned about being able to properly close both accounts due to the company 's poor service and malpractice. I am also concerned about XXXX opening another account for me without my knowledge again. These disturbances has also negatively affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX on XX/XX/XXXX that referenced my credit score obtained for a new service through SageStreamLLC. https : //www.sagestreamllc.com/ I called XXXX XXXX XXXX and SafeStreamLLC based on the letter I received in the mall on XX/XX/XXXX. XXXX XXXX XXXX could not find the order number referenced after several calls. Unfortunately, though, one of the early calls said the letter must be correct since I recently opened an internet account. I therefore, unfortunately, called them and left my personal info ( DOB, SS, address, number, DL ) through their " automated phone system '' since there is no way to speak to a person. 

SageStream ( now XXXX XXXX XXXX ) company is listed on the .gov site as an actual reporting agency and is the only reason I gave them my information - https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/sage-stream/ After several phone calls with XXXX XXXX XXXX , it was determined that they have no documentation proving the letter was sent from them. 

Upon review online, it appears this SageStream LLC is a scam even though it listed actual XXXX XXXX XXXX numbers, and I found references this scam has been ongoing for almost XXXX years. I rushed to lock all of my credit accounts and banking accounts immediately. 

The next day, on XX/XX/XXXX, I received a text from number XXXX saying, " I'm XXXX. are you the XXXX XXXX instructor that XXXX referred me to? '' I believe this to be the scammers trying to validate my personal information further. 

There are many complaints online about this type of letter and the SageStreamLLC company, and they believe that it is a scam to steal your identity. The government is supporting this scam by saying they are a legit business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Core Logic Credco has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX Balanced {$720.00} XXXX XXXX XXXX XXXX Balanced {$21000.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Received fraudulent payment demand from First National collection bureau, INC.. sparks, NV. 
Received fraudulent payment demand from FNCB dated XXXX/XXXX/16 for an balance of {$130000.00} indicating that the current creditor is XXXX XXXX XXXX XXXX, NONE Of these companies are on my credit report. or ever were. and I would like to dispute it. 
Ref # XXXX / XXXX XXXX Bank XXXX Account XXXX. Original Account XXXX. I do not have any accounts with any of these companies, and would like this company to cease and desist all collection activity immediately, including mail and phone. I would like written documentation stating that this collection activity has been terminated and verifying that all credit bureaus have been notified, effectively negating/removing any negative reports regarding this fraudulent claim for my records.
Product: Checking or savings account

Yes A few days ago I logged into my Chime Account and it was locked. It gave a message to submit documents to verify my identity. Upon submitting documents I received a immediate response to send documents again. This repeated all day for 4 business days. Ive called Customer service they tell me to wait for email Everytime. I explain the issue to them and the response is wait for email 24hrs. This is the bank account my weekly paycheck from work goes to and they are not trying to solve my issue. I am requesting account deletion and funds to be transfered to XXXX account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have a blemish on my Equifax credit report removed. The inital creditor no longer holds the account. I have called the company and was advised although they no longer hold the account, it is still being reported. I have notified Equifax to request to have it removed because it is dated and can no longer be addressed by the initial creditor. Equifax denied my request.
Product: Debt collection

My complaint is in regards to a recent claim dated XXXX XXXX, 2017 regarding account # XXXX which Enhanced Recovery claims to have verified, and that I owe them in the amount of {$2200.00}. I have requested validation of this debt from them which I do not owe because I have never signed any contract with this company. What they have sent me was a bill. This company along with another collection agency, XXXX XXXX, continue to report this on my credit file which I have recently disputed with XXXX credit bureaus. Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX
Product: Debt collection

I don't recall having a contractual relationship with this collection company Midland Credit Management. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im adding to my existing complaint I dont agree with the response given. My intialso complaint was I wanted the accounts removed due to me having medical insurance when the accounts was sent to collections. I uploaded a description of my initial complaint. Their response was they called the hospital and validated what I owed. That was NOT my complaint. Again I want the accounts removed duebto me having medical insurance. And proof there of that I didn't have insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a college XXXX at the time trying to get back in college and i tried to apply for loans that i did not know i had knowledge about back in XX/XX/2017 on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. from XXXX XXXX XXXX. i did not know i was going to get a hard inquiry on my credit and i want the hard inquires removed
Product: Credit reporting or other personal consumer reports

I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I Sent a letter asking them to reinvestigate these accounts listed below because XXXX date last active not reporting correctly shows date of XX/XX/XXXX With Transunion XXXX shows a date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX last date of payment is incorrect as well Transunion XX/XX/XXXX XXXX shows date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX date opened is incorrect as well Transunion shows a date of XXXX XXXX shows XX/XX/XXXX high credit usage is incorrect as well Transunion XXXX XXXX and XXXX XXXX XXXX last reporting date for XXXX shows XX/XX/XXXX XXXX shows XX/XX/XXXX I Sent a letter on XX/XX/XXXX asking for the, to reinvestigate this account XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168i ( 5 ) Can you look into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

After i reviewed my credit report i noticed some entries that i did not authorize. I submitted an Identity Theft Report with the FTC and sent it to the CRA 's. I did not give my permission for anyone to pull my credit nor apply for anything. Please delete the inquiry entries i did not authorize : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Purchased item from XXXX on XXXX XXXX XXXX, I authorized PayPal to pay {$42.00}. Paypay incorrectly paid merchant {$52.00}. Filed complaint with PayPal ( XXXX ) to refund difference, paypal refuses to refund. Merchant incorrectly charged over 26 % sales tax. PayPal initially denied my claim then advised they would refund difference after I contacted them to discuss denial. When PayPal didn't refund, as agreed, I contacted them again and was advised my claim was was denied again. Paypal records calls so there should be confirmation of my calls on tape.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

On Tuesday XX/XX/year>, I was contacted by the debt collection company ProCollect. They explained that I had allegedly owed a debt for an apartment I had been living in and had moved out of at the end of XXXX even though I had paid all of my rent on time and in full, in such case the debt is owned by the two roommates I had at the time. I contacted the property manager who informed me that they had not contacted ProCollect to collect the debt owed. Yes, my name is on the account for the apartment in whole, but we are charged per room and have separate leases determining what we pay for. I do not know how this company obtained my information but I have explained to them that this debt is not mine. They continue to pressure me to pay it and explained that my credit will go down because of this.