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

Well the reason for this message is concerning a serious matter about an atm deposit. On XX/XX/XXXX, about XXXX central standard time, i deposit {$1400.00} dollars at the ATM on XXXX XXXX XXXX XXXX, XXXX, Ky XXXX. After I placed the money Into the atm I get a temporary unavailable message displayed crossed the screen. I assumed my money was deposited to my account so I decide to do another transaction and withdraw {$20.00} dollars. I received a receipt after this transaction and I noticed the 1400 from the previous transaction was not credited to my account! I immediately called customer service to file a dispute. Monday morning I went to the branch where the incident occurred and they filed a dispute. How come the branch manger didnt count the money In the atm to see they had extra money! Im sure with todays technology it doesnt take days to notice any type of technical problems concerning a banks money! So how is it taking so long to credit my account with my money? That money was for my rent and utilities bills! Now Im hit with late charges b/c of a bank I TRUSTED took my money and its concerned not taking this matter seriously! Im in danger of disconnect of my utilities and late charges accumulating everyday. feel like my situation isnt being handle in a timely manner. Seriously, like how long does it take a bank to count the money in the atm to see if they received money that didnt go into an account or wasnt withdrawal from anyone account?
Product: Debt collection

I C systems keeps reporting a bill from XXXX XXXX that came off of my credit report 5 years ago and now they are showing one on my credit report I have a open account since XX/XX/XXXX until this current date today last reported XX/XX/XXXX I don't have any cable with XXXX XXXX or any other cable company. But this account they are reporting was last active back in XXXX at this residents XXXXXXXX XXXX XXXXXXXX XXXX XXXX Ga XXXX it went to collection and fell of after 7 years and now its back and they are steady reporting this account like its still active
Product: Mortgage

Mortgage was remodified through Hardship claim with originator of loan, XXXX XXXX and finalized in XXXX. Loan was moved to XXXX XXXX XXXX by XX/XX/XXXX and then moved again to XXXX  XXXX XXXX in XX/XX/XXXX. Escalating payments noted in XXXX due to finalizing transition period from company to company. Contacted Fay in XXXX inquiring about a $ XXXXmonth increase per the customer service representative there was no monies in the escrow account when Fay accepted this account from XXXX XXXX so the current financial amount owed was due to lacking the escrow for property taxes and upcoming insurance. Owner of property reviewed all records and sent a registered letter that included documentation to XXXX   XXXX  outlining the transfer amount of escrow from each lender and the overpayment amount to the current mortgage account now held by XXXX  XXXX. This was sent on XX/XX/XXXX. Owner of property requested a audit of the mortgage account due to the concern of misplaced monies of greater than {$1600.00} from escrow and an overpayment to the mortgage account of greater than {$270.00} however a mortgage deficient continues to be reflected through statements. A request for the investigation conclusion of 10 business days was given and it is now greater than 20 days and no contact by Fay except a new mortgage statement of another owed {$600.00}. Original principle of loan and interest combined is less than {$200.00} on a fixed 30 year rate. Currently the mortgage has $ 400+ going towards " escrow '' monthly and this amount continues to grow without cause. Owner retains copies of the letter and documents sent to Fay for her records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a significant error in my credit reports provided by XXXX, Equifax, and XXXX. It has come to my attention that a collection account associated with my personal credit history is being reported mistakenly. I kindly request the Consumer Financial Protection Bureau 's intervention in rectifying this issue by ensuring the immediate removal of the said collection account from all three credit reporting agencies. 

Account Details : Creditor : XXXX - XXXX Service Date Opened : XX/XX/2020 Balance : {$0.00} Account Number : XXXX To provide some context, the account in question is a business credit card that is directly associated with a common business of which I am one of the owners. This account, however, should not be reported on my personal credit history as it is solely related to our business operations. According to the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, it is crucial that credit reporting agencies accurately reflect an individual 's creditworthiness and financial history. 

Under the FCRA, consumers have the right to dispute inaccurate or erroneous information contained in their credit reports. Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies must promptly investigate and modify or delete any information found to be inaccurate, incomplete, or unverifiable. In light of this provision, I kindly request your assistance in ensuring the correction of this misreported collection account, as it is unjustly affecting my personal credit history and potentially impeding my ability to secure future credit or loans. 

I have already taken the necessary steps to dispute this error directly with XXXX, Equifax, and XXXX. However, despite my efforts, the collection account remains on my credit reports. This situation has prompted me to seek the intervention of the Consumer Financial Protection Bureau to help resolve this matter promptly and ensure that my personal credit history accurately represents my creditworthiness and financial standing. 

I trust in the expertise and dedication of the Consumer Financial Protection Bureau to uphold consumer rights and ensure fair and accurate credit reporting. Your intervention and assistance in this matter would be greatly appreciated, as it will enable me to rectify this unjust reporting error and preserve the integrity of my personal credit history. 

Thank you for your prompt attention to this matter. I look forward to a favorable resolution and the removal of the mistakenly reported collection account from XXXX, Equifax, and XXXX credit reports. Please do not hesitate to contact me if you require any additional information or documentation to expedite the investigation process. 

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

I submitted a theft affidavit and police report in regards to fraudulent accounts and the accounts were not removed and blocked. I did this on more than XXXX occasion. This is a violation of the FCRA. 

THE ACCOUNTS ARE : XXXXXXXX XXXX XXXXXXXX BANK MY ADDRESS IS INCORRECT. IT SHOULD BE XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX AS MY ID SHOWS N
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the people that work at Experian to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all.

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries.

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 an 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

I sent a dispute letter to Transunion for fraudulent inquires that appeared on my credit report. However, Transunion only removed 1 of the inquires. The rest are not authorized by me, and need to be removed off my credit report. 

I've attached the dispute letter and response I got from Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  Account number XXXX XXXX  XXXX Bankruptcy 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 an account without my written instructions.
Product: Mortgage

Huntington National Bank Processed my Home Loan Application first for a Line of Credit as well as Loans ( XXXX Applications : {$150000.00} + {$150000.00} + {$200.00}, XXXX ) as well as XXXX Personal Loans ( {$50000.00} + {$50000.00} ) and denied all in the past few Months. The specified the reason as low credit score from XXXX Credit Buruea which they sent a copy off. 

In the year XXXX, in the month of XXXX they approved XXXX Personal Loans ( {$50000.00} each ; received and returned ) and Home Purchase Loan ( {$500000.00} ) in XXXX when they provided XXXX Credit Bureau Reports stating that it is required by as per Financial Institutions Lending Rules. 

Their software had a ROUTING problem which I reported to them and they are looking into. They also seem to have a ROUTING and APPROVAL Problem of getting the Application and Approval from me ; APPROVING the submitted application and sending the checks elsewhere to their cohorts and potentially my employer with whom they are mutually benefitting. Both the parties involved are using my STOLEN ID which they control through the BID ( XXXX : XXXX XXXX and XXXX XXXX = XXXX ) Process. 

They have thus approved {$1.00} XXXX X XXXX this year and {$1.00} XXXX X XXXX = {$3.00} XXXX in XXXX  ( Application Name was XXXX XXXX XXXX in XXXX  ) at least equaling to {$4.00} XXXX at least that I know off. I am not sure whether they have gone down to the ALPHABET Level in their Financial Process of my name or appellation. 

Do not hesitate if you need to verify any of this information.
Product: Debt collection

I have been getting phone calls since XX/XX/XXXX and they have also been calling my family members. I called them today on XX/XX/year> and was prepared to pay it. It was allegedly from a XXXX XXXX, I don't know how many years ago. 

When I talked to them, they said that my amount owed was roughly twice the amount that was originally owed. This is due to a court case that was filed and won by them and so they are charging court and attorney 's fees. I actually told them that I would pay it and I set a planned payment dat to be completed by XX/XX/XXXX. So I have the address, envelope, and money order ready to pay the debt in whole. 

I just asked them to send me a bill of the amount and then I will send it but they said that they would not be able to mail it to me and only be able to email it. I told them that I would only reveal my name, phone number, and address but would not give them any other information. In response they said that they would send me a copy of my promise to pay the amount. 

When I looked them up online though, I noticed some suspicious posts/blogs that warned about this business Portfolio Recovery Associates LLC XXXX They wanted me to send the amount of {$2100.00} to XXXX XXXX XXXX, XXXX XXXX  XXXX. 

An additional thing that leads me to believe that this is a scam is that they are very aggresive and threaten to come after me and that this case has already been decided against me. I never recieved notice of the lawsuit and this debt or the original XXXX debt that I had are on my credit report Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, has violated my rights .

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I enrolled for a Citi Gold-XXXX miles reward program, was accepted, confirmed my acceptance and confirmed my fulfillment of requirements to earn the bonus miles with Bank 's customer service several times, they even told me the date the bonus miles would arrive. 
After that date, I inquired as to why the miles never showed up, the bank " launched an investigation '' and 2 months ( of collecting {$30.00} service fees while they looked ) later, they sent me a letter denying me on the grounds stating that I never enrolled for the rewards program, and when I provided the information on how I enrolled ( including the promotion code ) they stated that campaign was targeted and did not apply to me. EVEN THOUGH they accepted me, reiterated the requirements and repeatedly told me on the phone that I was enrolled and the miles would come. 

The bank is basically trying to deny me the miles and scam me for {$90.00} in account service fees for the account knowing they were never going to give them to me in the first place. I would like them to honor this agreement and grant me the miles.
Product: Credit card or prepaid card

I had purchased two Vanilla Visa gift cards from XXXX supermarket as bridal shower gifts for my daughter-in-law and gave it to her on XX/XX/XXXX. 
Later when she tried to use the cards she found out that there is only {$1.00} on each card. 
She informed me about this issue and I called the XXXX which was on the back of the cards, I was told that the both cards have been used on XX/XX/XXXX in a XXXX XXXX XXXX. 
I informed them that these charges are fraudulent and disputed the charges. 
Their dispute department sent me an application to fill out and email back to them. I received an Email back saying that it will receive complete resolution within 45 to 90 days which is a ridiculously long time. 
The Vanilla Gift card is not a reliable company, the scammers are either within their own company since they are the ones who know when a card is activated or they don't have the proper security to protect their customers. 
After this incident I searched the reviews on these cards and found out that their rating is very low and this disputes happen very often.
Product: Debt collection

I have a collections account for equipment I did not return. I have returned the equipment now and got all my receipts showing that my account was paid in full before it was closed the only thing I owed was the return of equipment and now they are still trying to charge me for the equipment I returned.
Product: Checking or savings account

this basically sums upmy issue and this is the email i sent to my bank : I called and complained about this above claim I explained to numerous representative about my issue with the company XXXX I purchase the jersey online on XX/XX/XXXX for {$70.00} after 2 days on XX/XX/XXXX I reached out to them after reading their reviews, i tried calling them and the number on their website was disconnected i emailed the cust support email i found and received this reply ( EMAIL INSERTED ) then they followed with another email saying they would try to expedite my order and ship out the following week. ThIS DID NOT HAPPEN!!! their website said 5-7 business day!!!!! well 3 weeks later on XX/XX/XXXX I received another email stating my item was on the way MIND YOU THIS WAS AFTER I HAD INITIATED A DISPUTE with you guys AND REACHED OUT TO THEM ABOUT MY COMPLAINT as I also explained I no longer needed the Jersey as I went ahead and purchased it elsewhere and it arrived within 5 days ( proof was also submitted ) during this last call with you guys XX/XX/XXXX I was told to reach out to the merchant directly and when I went online to look for their contact in their website is no longer up therefore which further proves this is a sketchy business. In conclusion I request this money be put back into my account immediately I have also followed up with a complaint to the XXXX and will also contact FTC. In my last conversation I requested this claim be ESCALATED as the last representative I spoke to mentioned that was an option that I WAS UNAWARE OF until the representative said i could have requested it I realized this was an option that was never presented to me before once again IM ASKING THIS CLAIM BE REOPENED REVISITED AND ESCALATED AS I WILL BE FOLLOWING THROUGH AND EXHAUSTING ALL MEANS AVAILABLE TO ME. 



( insert ) i reached out to the XXXX  and they replied saying XXXX is not in business i have that email as well i sent that to my bank i also made a report to the ftc i know XXXX may seem insignificant to anyone else but to me is important thats a full tank of gas half of my groceries, if i woulf have got the merchandise they claim i received i could have toolk it sold it made my money back no problem but that is not the case # 1 i never receivd the merchandise # 2 it was sent not when they promised to send it but after I initiated a dispute # 3 there is no way to contact them as the phone # is not in service the receipts they provided have another companys name on it which i did not do business with their receipts show a bedding company XXXX i did not do business with them i did not authorizze my info to be shared with them idont know who they even are or how they even came in the picture??
Product: Credit reporting, credit repair services, or other personal consumer reports

Need to take this off of my credit report they are saying it was late when it wasnt I was already finish paying for the vehicle XXXX. 
Chrysler Capital has the payments being late during a pandemic which was suppose to be at a stop payment until 2021 which was this year in XXXX all payments were made on time please remove from my credit report. 
can the creditors XXXX XXXX and the othrer one put my credit score on all the same Its suppose to be a XXXX on all credit and XXXX XXXX has it at a XXXX still incorrect information on my credit report for XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$47000.00}
Product: Debt collection

Received a collections letter from XXXX XXXX XXXX stating it was from the Supreme Court of XXXX XXXX saying that I had failed to appear in court even though I have never been served by this company. I don't even know what the original debt is but don't want to call based on their collection tactics. This appears intimidating, threatening and illegal to use a fake supreme court stamp.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received a fraudulent hard credit inquiry from XXXX XXXX XXXX XXXXXXXX XXXX was not able to locate any application for credit with my provide SSN. But, I need to have the hard inquiry removed from my credit file.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX ACCOUNT XXXX