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

XX/XX/2023 : I opened a business checking account with US Bank. 
XX/XX/2023 : I updated the address from the local place of business in XXXX to my home address in XXXX I recieved a debit card in the mail. 
XX/XX/2023 : I was not able to log in to my US Bank account online or activate my debit card. I called and was informed that my account was frozen and directed to the Fraud department. I was told that I would be sent a letter in the mail to notify me that the account was being closed, and that it would take 7-10 business days to receive the letter. I was told that I would receivea cashier 's check in the mail, and verified my mailing address. 

XX/XX/2023 : I went in person to a US Bank branch location to inquire about the status of the closure and get my initial deposit of {$3000.00} back in full. I was told that they couldn't see any specific about the account and there was no time frame for the review process. Again I verified my address and was told to wait for a letter in the mail and a cashier 's check. 

XX/XX/2023 : I called the US Bank Fraud department to inquire about the status of my account. I was told it would take 45-90 days for them to complete a claim. Again, I verified my address and explained that I had not received anything in the mail to notify me of the pending closure of my account.end of XXXX I received a statement from US Bank that showed a {$6.00} analysis service charge. I don't know what that charge is for, and I can not even log in to access my funds, so haven't been about to use the business checking account at all.Obviously they have the correct mailing address because I got a statement in the mail. 

XX/XX/2023 : I call US Bank again to inquire about my account being closed and why I have not received any letter or check. I was told again that there is no timeframe for the claim. Again I verified my mailing address and was told to wait for a letter and a cashier 's check. However, they did not say that I would get my full initial deposit of {$3000.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Experian to remove personal information that are innacurate or that I have not live at. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not suppose to share my information to thrid party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I submitted a request to Transunion, XXXX, and XXXX on XX/XX/XXXX to remove any identity theft statements and to remove any credit freeze on my accounts. However, I have not yet received confirmation of the request 's completion. Could you please verify the current status of my credit freeze with each bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are still reporting a fraudulent account from XXXX XXXX XXXX  that I have disputed numerous times. They claim it has been verified by the source, but if that was true why did XXXX delete it for not being verified. If they verified it with the same source, they should get the same results. This is unlawful! I have a right to privacy, a right to only have accurate information report on me and if a social security number was used to pay for this loan, then this is a consumer credit transaction and it is fraudulent to collect on something that is already paid in full.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, On XX/XX/XXXX, I looked at my report. I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and here is my tracking number : XXXX On XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681 eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. Experian really did not reinvestigation they lied on an official document saying they did something they did not do and i have evidence to prove my case
Product: Credit card

I requested the statements to review their complicated online monthly statements which I have tried to report repeatedly since the unauthorized charges began to show up. Each time I reported vis phone calls and online, I received no help. I have tried since XXXX, XXXX to get help from This PayPal credit card, but the chrages continue to show up and the total is now at least {$710.00}. I want these charges removed and all the erroneous late fees incurred also removed. I stopped using this card in XXXX and yet the unauthorized charges continue. 
This companys customer support is close to non-existent. I have tried and tried and tried, including sending mail to request help, but mail gets returned stating wrong address. I recently, XXXX XXXX, mailed my request for help to resolve these charges to their corporate headquarters in XXXX XXXX, California. I doubt anyone there will respond. 
I am frustrated by their total lack of assistance and their purposely complicated dispute process. I am tired of trying to get help from XXXX and never will use their services again. I cut up the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit card or prepaid card

I received an American Express Delta Skymiles promotion in the mail that offered me XXXX miles if I spend {$1000.00} in 3 months. I signed up for the card online and was approved When I received the card in the mail, the welcome kit mentioned nothing about the promotion I had signed up for and was approved. I called American Express and asked for the details of the promotion and confirmation that I will receive the XXXX miles once I spend the {$1000.00}. The first couple phone calls I was reassured that I will receive the promotion benefits and they would send out a welcome kit saying so, I never received anything in the mail. My final phone call was XX/XX/XXXX when I was told that I won't be receiving the promotion because I had had an American Express card before. Then I was told by the supervisor that the promotion wasn't even from American Express but was from Delta. So now they are just full of excuses to avoid holding up their end of the deal and giving me the promotion. Just to note, This promotion received in the mail was addressed to me and it included my Delta Skymiles number. Whether this was a promotion from American Express or Delta or a joint promotion, someone needs to hold up their end of the deal and do what is right. I expect the promotion offering me XXXX miles once I spend {$1000.00} to be sent to me in writing. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to violate my consumer rights and is committing fraud by reporting inaccurate and unverified bankruptcy. The court has said they did not verify this inaccurate information and I demanded XXXX XXXX remove the inaccurate and unverified information they were furnishing to all CRAs. TransUnion 's willful noncompliance is causing unnecessary anguish and distress.
Product: Checking or savings account

Wells Fargo withheld monthly taxes on a cd with amount of XXXX I never asked for the bank to send monthly Amounts to the irs The cd interest was XXXX The bank XXXX is incorrect and they refuse to send me my Monthly Statements on acct XXXX The rep. at the bank agreed with me two weeks ago on a speaker phone conversation with witnesses and now she told the manager that she never said it was wrong The refuse to get me my monthly statements on this cd her name is XXXX and the manager who refused to get me my Monthly statement is XXXX
Product: Mortgage

Based on online advertisements for Rocket Mortgage by Quicken, I proceeded to their website to get a quote for mortgage. The website then prompts the user to enter various personal information including name, DOB, job, residential history, income, etc. As with other websites, the user is lead to believe that they will be provided a quote prior to generating a 'hard ' credit inquiry. However, when arrived at the final step, Rocket Mortgage was prompting me to enter my SSN. I contacted customer support who verified the inquiry would be a 'hard ' inquiry. Having been mislead by their website, I was very disappointed and requested that Quicken delete my INCOMPLETE application and any information related to the aborted application. I was directed to XXXX XXXX with client relations where things only got worse. XXXX continuously asserted that, as a client, I could not have my data deleted. I argued that I am not a client as I aborted my application and was not and never have been a customer of Rocket Mortgage. XXXX was very rude in all of her interactions and basically encouraged me to file a report by mockingly saying they would not delete my information and would deal with the CFPB if/when they were contacted.
Product: Credit card or prepaid card

I the consumer applied for a Home Depot credit card and was denied. According to the Equal Credit Opportunity Act, Adverse action against a consumer is against the law. This is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1691k. I have proof of discrimination by Home Depot/Citi Bank due to their response by the company. See attached. Home Depot/ City Bank is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. My SSN was used and I again received no benefit. This is proof of Fraudulent activity on Home Depot/Citibank behalf . I also, have additional information of certified mail sent to them by me to resolve this matter given credit can not be denied. I will await response back to fix this issue and will follow up with violation fees and damages caused by being denied. Thank you.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

Improper use of credits and report XXXX mail fraud, language fraud.anti trust fraud. Notice of non consent.
Product: Credit reporting or other personal consumer reports

I applied for a mortgage through a local lender and they brought to my attention that my student loans are reported to Equifax as in collections by XXXX even though they have been in good standing for over three years and the collections issue has long been resolved.

This issue has not only been negatively impacting my credit score and my consumer credit report for over three years but it has also prevented me from being able to purchase a home and take out other forms of credit, it has incorrectly increased my debt-to-income ratio and has caused significant financial hardship due to XXXX 's negligence in properly reporting my student loan status. I have attempted to contact XXXX to get this issue resolved as the mortgage loan process can not go forward until this issue is FIXED BY XXXX and it is impossible to get through to a person in their company. I have attempted to call three times in three days and it is always at least a 90 minute wait if they answer at all. I have yet to actually speak to a person at this company. 

My loans were transferred to XXXX from XXXX XXXX and they are by far the worst student loan servicing company in existence. Why would they take on these additional loans from another servicer if they clearly did not have the capacity to actually service them and provide any semblance of customer service support? I will be seeking legal counsel if XXXX is unable or unwilling to fix this issue that they created.
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report without any explanation. My usual check showed discrepancies that werent there before, and refreshing my browser didnt help remove them. Im requesting an immediate review of the documents I submitted so this problem can be fixed, and I can stop being concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Wells Fargo in full on my Home Equity line. I tried to do a settlement option with Wells Fargo in XX/XX/2021 to pay less than owed but they wanted me to apply for a settlement but I only wanted to pay them in full. They led me to believe that they may accept my settlement offer. That is the only reason that I did not pay them sooner as I had already sold stock in my IRA acct to pay them in full. The acct was closed and is still closed but they are reporting to XXXX  that the acct is still open and that I have not paid them in full when I paid them in full with a wire transfer on XXXX for the full amount owed of XXXX but they are still reporting to XXXX  and other credit agencies that the account is still open and that I am late for payments. I disputed this with XXXX  and provided them with the statement showing it was paid but they ignored it and still reported incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is an elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers under 15 U.S. Code 1681- Congressional findings and statement of purpose. Under 15 U.S. Code 1681 ( 3 ) TRANSUNION has ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Under 15 U.S. Code 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY, as well under 15 USC 6802, 12 CFR 1026 and 1022. TransUnion has in fact violated the FCRA under 15 USC 1681a ( 1 ) ( 2 ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' and included such accounts on my consumer report. TransUnion has been requested on XX/XX/22 to remove such accounts from my consumer report and It has been OVER 45 DAYS and TransUnion has not complied accordingly. This leads me to believe TransUnion ASSUMES the accounts are verified. I here by now demand under FCRA definition of " INVESTIGATIVE REPORT '' and XXXX XXXX XXXX DEMAND NAMES AND ADDRESSES OF THOSE PERSONALY INTERVIEWED TO VERIFY SUCH INFORMATION and if requested information CAN NOT be given the requested accounts SHALL BE DELETED IMMIDIATELY
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to correct late open accounts on my credit report. Despite multiple communications and efforts on my part to rectify this issue, it remains unresolved, causing significant distress and harm to my financial standing. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt and effective resolution. 

Over the past several months, I have made repeated attempts to address the presence of late open accounts on my credit report. Despite following the proper procedures outlined by Credit Bureaus and providing all required documentation, the late open accounts persist inaccurately. 

I have contacted your customer service department on several occasions, spending considerable time and effort to resolve this matter, yet to no avail. Each time, I am assured that the issue will be investigated and corrected promptly, but the inaccuracies persist, adversely affecting my creditworthiness and financial opportunities. 

The presence of these inaccurate late open accounts not only undermines my efforts to maintain a positive financial reputation but also erodes my confidence in the credit reporting system. As a responsible consumer, I expect accurate reporting of my credit history to reflect my financial behavior accurately. 

I demand immediate action to rectify this issue and ensure the accurate reporting of my credit history. Specifically, I request : The prompt removal of all late open accounts from my credit report. 
Written confirmation of the removal and updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the inaccurate reporting, including but not limited to, adverse effects on my credit score and financial opportunities. 
Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to seek redress. 

I trust that you understand the urgency and seriousness of this matter and that you will take immediate steps to resolve it satisfactorily. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX  Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX  Balance : {$550.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX charge back for account ending in XXXX XXXX XXXX XXXX {$1500.00} Opened XXXX XXXX, XXXX. At that time I was incarcerated. 

COLLECTIONS : Portfolio Recovery {$9000.00} Opened XX/XX/XXXX. At that time I was incarcerated. 

CORRECTIONS OFFENDER NETWORK INMATE RELEASE INFORMATION DETAIL ( This information was current as of XX/XX/XXXX ) DC Number : XXXX Name : XXXX, XXXX XXXX Race : XXXX XXXX : MALE Birth Date : XX/XX/XXXX Custody : MINIMUM Release Date : XX/XX/XXXX Stated Residence Upon Release : Available to Law Enforcement Aliases : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Current Prison Sentence History : Offense Date Offense Sentence XXXX XXXX Case No. Prison Sentence Length XX/XX/XXXX POSS.CONTROL.SUBS/OTHER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX POSS.CONTROL.SUBS/OTHER XX/XX/XXXX XXXX XXXX Sentence Concluded Conviction Overturned Note : The offense descriptions are truncated and do not necessarily reflect the crime of conviction. Please refer to the court documents or the Florida Statutes for further information or definition. 
Incarceration History : Date In-Custody Date Out-Custody XX/XX/XXXX XX/XX/XXXX Hard Inquiries : XXXX XXXX. 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 XXXX  XX/XX/XXXX, XXXX 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. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are a lot of inquiries on my credit report that I have not authorized and I request that each one be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent out an attempt to collect a debt. This debt is with XXXX XXXX XXXX XXXX XXXX. However my contract was cancelled, and therefore I have no contract with XXXX XXXX. Also, during the time that the XXXX account was opened I was a minor and had no knowledge of the account.
Product: Credit reporting or other personal consumer reports

Hard Inquiries appeared on my credit report that were not authorized by me. I did not consent for my information to be used for a credit check and have no knowledge of them. I request these hard inquiries be removed and reported back to the credit Bureaus to be removed from my name immediately. 

JPMCB Auto Finance ( Bank ) XX/XX/ JPMCB Auto Finance ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$270.00} Opened- XX/XX/XXXX This is a fraudulent account opened in my name. I have never had anything in my name. 

XXXX XXXX XXXX {$420.00} XX/XX/XXXX This is a fraudulent account opened in my name.