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

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated.
Product: Credit reporting or other personal consumer reports

I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I listed the accounts and explained the violations. Over 30 days have passed, and they have not responded. Copies of the dispute letters are attached.

This company violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as such.

FCRA 605 ( c ) was also violated, as the date of last activity is incorrect and should reflect the last payment date.

Additionally, this company has repeatedly failed to validate this collection account, further violating FDCPA 809 ( b ), as outlined in FTC guidance.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor XXXX XXXXXXXX for account # XXXX and XXXX XXXX account # XXXX has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
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 which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX XXXX   XXXX ; XXXX XXXX XXXX XXXX ; Unknown : XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I have never been late on any payments to this company. I was gravely sick, and missed the 30 day mark by a day or so. After I called them 2 months in a row for them to replace my lost card. Ive tried to rectify this with the company, but they denied me. I would really appreciate if the company could overturn this one time. Im trying to purchase a home and this is negatively affecting me. The k you for your assistance. 

Best, XXXX XXXX
Product: Checking or savings account

In XX/XX/2023, I contacted PNC to report 3 incorrect ATM transactions on my account, each in the amount of {$1500.00}, with the funds never received. In XX/XX/2023, I was advised by PNC that the investigation was complete, and that 2 of the charges were valid and one was invalid. I received written correspondence from PNC advising that I was entitled to receive documentation that was used to investigate the claim. I requested the documentation on several occasions and was told by PNC representatives that I would need to contact the ATM owner. I asked PNC if they had ATM video or other evidence that cash was dispensed, and they said they did not.
Product: Debt collection

I would like to formally submit a complaint regarding the collection agency Medical Business Bureau. The company has reported three collections on my credit report without sending me any notification prior to doing so. As a consumer I have a right to receive notification from the collection agency and validation of a debt which the Medical Business Bureau did not allow me to do. I have reached out to this company about not receiving any type of correspondence prior to them reporting but have not received any feedback about my question. In return they send a bill. This company has violated my right as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain hard inquiries listed on my credit report that I believe are inaccurate or unauthorized. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incorrect or unrecognizable. I have been a victim of identity theft XXXX XXXX XXXX .I do not recall authorizing these inquiries, nor do I have any record of giving consent for such checks. Please be aware that I am fully aware of my rights under the FCRA. If the necessary investigation is not conducted properly or if these erroneous inquiries are not removed in a timely manner, I will pursue legal action. This includes potential claims for damages resulting from the inaccurate reporting, as I am entitled to under the law.
Product: Mortgage

I recently paid my mortgage company the amount they said I owed in arrearages to stop a foreclosure sale. As of today, they are informing me that the sale is still scheduled and they have not returned my payment.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Student loan

I have direct federal loans and have been paying under the IRB plan for years. Several of my payments which should be qualifying are listed as not qualifying on the site for several reasons. I emailed them about this several times over the past three years including twice in 2020. 10 payments are still listed as no bill and 8 are listed as pending manual review as they have been for months. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

My identical twin sister and I have very similar social security number. XX/XX/XXXX has had our report as one report for well over five years. They claim no fault and have even given both of us access to our report with different social security numbers. They fail to properly fix with 60 days. 

This is includes the following lenders pulling hard inquires on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX. 
GM Financial - Insurance Underwriting XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vs XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX2020 I funded an account with Etoro cryptocurrency exchange. 

After funding the account, I purchased {$4000.00} of tokens. 

I have been trying to transfer my purchased tokens to Etoro 's wallet and the company will not allow the transfer. 

There is supposed to be a 7 day hold period, but the company has not removed the block to this date which is over 35 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a letter on XX/XX/2020 in regards to inaccurate and unknown things on my credit report. I disputed this account with all 3 bureaus and it was DELETED from XXXX because they could not validate the information reported. So how is it that XXXX and Transunion can validate it, if all the information reported is supposed to be the same for all the bureaus? THIS IS A VIOLATION! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. As well as another data breach. And please don't come back saying this is not me because it is IN FACT ME XXXX XXXX. This has been going on for way too long! : - (
Product: Mortgage

I am 30 days behind, but I have but I have been making payments so I do n't get 60 days. They put in default for late fees I am not 60 days. How can they put me in default for late fees.? This company calls XXXX times a day. They customer service callers a threatening.
Product: Debt collection

A reported debt for XXXX from XXXX/XXXX/XXXX for XXXX  Never received a medical bill let a lone a notice that an account was being sent to collections or had been placed to collections. I never received a letter that I had a chance to dispute the collection. There is no way I could even have a medical bill for XXXX as I have MILITARY HEALTH INSURANCE. This is absurd.
Product: Student loan

On XX/XX/XXXX, I filed a complaint with the CFPB ( complaint number XXXX-XXXX ) about my enrollment status being inaccurate. On XX/XX/XXXX, FedLoan replied stating that " none of the loans reflect Spring XXXX enrollment. '' This is what my record at FedLoan servicing should indicate as I have not been enrolled at any institution of higher education since XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX that stated that my enrollment status had once again changed on XX/XX/XXXX, after FedLoan responded to my CFPB complaint. This new documentation dated XX/XX/XXXX and XX/XX/XXXX appears to indicate that I am enrolled half-time. This would be incorrect information if it is what FedLoan believes and would directly contradict the statement in FedLoan 's reply to CFPB complaint XXXX-XXXX filed on XX/XX/XXXX.
Product: Credit reporting

For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX I was never late I send XXXX several letter about the issues no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFO HAS BEEN COMPROMISED AND I REPORT THIS TO THE CREDIT COMPANYS AND THEY NEVER UPDATED MY FILE, I STILL HAVE THESE FRAUD ACCOUNTS ON MY FILES, AND I NEED THEM REMOVE AND UPDATE THEM. THANKS XXXX XXXX ACCOUNT # XXXX XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit card or prepaid card

I am a consumer of the United States of America and did not give consent for Discover Bank to close my account. According to 15 U.S. Code 1691 - Scope of prohibition, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

It is not a violation of this section for a creditor to refuse to extend credit offered pursuant to ( 1 ) any credit assistance program expressly authorized by law for an economically disadvantaged class of persons ; ( 2 ) any credit assistance program administered by a nonprofit organization for its members or an economically disadvantaged class of persons ; or ( 3 ) any special purpose credit program offered by a profit-making organization to meet special social needs which meets standards prescribed in regulations by the Bureau ; if such refusal is required by or made pursuant to such program.
Product: Credit reporting or other personal consumer reports

I filed a FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card XXXX XXXXXXXX XXXX credit card opened on XX/XX/XXXX. 
XXXX charge card opened on XX/XX/XXXX. XXXX opened on XXXX XXXX XXXX XXXX opened on XX/XX/XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws The credit bureau are not removing these negative items of my credit report I will sue XXXX XXXX and XXXX if these negative items arent removed. They violated my credit consumer protection rights too many times.
Product: Debt collection

XX/XX/21 I received an alert from XXXX  about an increase of {$1000.00} on a Capital One Credit Card # XXXX. I called Capital One and they confirmed that this is NOT my card, nor am I an authorized user. After research, I discovered this was my adult sons card, which was charged off. He gave me the last four digest of the card and I called Capital One back on the automatic call line using that number. It transferred me to an attorneys office : XXXX XXXX XXXX, who bought the debt. I called them to tell them to remove the information from my credit, but they would not speak with me. They had NO right reporting this debt to my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found accounts on there that do not belong to me. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

Despite several follow-ups to receive my funds, Wise XXXX XXXX is reluctant to wire my funds to the account details provided. The transfer details have been done on XXXX and till date it has not been disbursed No reasons have been shared with me till date and it seems all my efforts to reach out to the team through the call center goes in vain as the team is deliberately sends me in empty circles I would appreciate if you can help me at the earliest since Wise XXXX XXXX is regulated by your respected entity in US
Product: Credit reporting or other personal consumer reports

Im having an issue with Chexsystems. They have confirmed by phone that I have no freezes.. my portal also shows its not frozen but Ive applied at 4 places and all of them says that it shows A freeze. I then add

ed one and removed it to see if that would help and it didnt change the outcome. How am I supposed to open a bank ac
count if they cant access the report? 

Its not frozen according to chexsystem agents or my portal but no one can access my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 we couldnt keep up with credit card interest and contacted Freedom Debt Relief speaking with XXXX XXXX. I asked before I signed up what would happen if I became unemployed again which is the reason I needed their services. Construction was bad and I fell into debt supporting my family. XXXX said if I lost my job I would just stop paying and pick up where I left no charge. First they settled with XXXX which was about $ XXXX and began settling with other smaller creditors until told them to slow down because my original $ XXXX monthly payment soon became almost {$1200.00}. I was fortunate to work incredible overtime to barely keep up last year. I was sued by XXXX XXXX XXXX, XXXX, and XXXX XXXX  and FDR provides attorney XXXX XXXX from XXXX who didnt reduce my debt I ended up with payments that increase in time that I have no idea how I will pay them when they go up. This year construction started out slow and then Covid19 hit so since the end of XXXX I have only worked a few weeks. Our savings was disappearing so I asked FDR to ask my creditors for Covid19 relief which they did not do so I called XXXX myself. XXXX said since they sued me they only speak to XXXX XXXX that called me minutes later. He was able to get me a 2 month break but now XXXX XXXX XXXX wants past due in full even though I wasnt working. I asked FDR customer service to stop withdrawing from my checking account and they continued until I threatened them with the XXXX because I was advised to do this by XXXX XXXX whom they appointed. FDR still has never spoken to XXXX XXXX about Covid19 relief and now I am lucky to work part time and am trying to pay FDR even though it might lead me to bankruptcy. XXXX XXXX is the last FDR Representative that I tried to communicate with. FDR costumer service is terrible. I feel like I am set up for failure after being promised they would work with me if unemployment was an issue.
Product: Checking or savings account

It amazes me that banks/deposit institutions can charge for overdrafts that could represent over 100 % of the actual overdraft. 
If you overdraft by {$37.00} at Citizens Bank, you will be charged {$37.00}. What is the equity of that scenario? There is none. 

My recommendation is for there to be an established a percentage of overdraft for allowable fees up to and including the standard full overdraft charge. 
So a bank could charge 25 % of the overdraft up to their {$37.00} or whatever the standard may be. 

Currently ; If you overdraft $ XXXX.you will be charged {$37.00}. If you overdraft $ XXXXyou will be charged {$37.00}. Makes no sense. 

Make sense? Youre welcome.
Product: Checking or savings account

Hi there, I am an international student holding a student " XXXX XXXX XXXX. 

I opened a checking account with US bank in XXXX when there was a promotion. I told them that I am an international student and gave them my foreign passport, XXXX Form to let them make copies. In the meantime, I also submitted my XXXX Form. In another word, I was clearly doing my best to tell them that I am a XXXX XXXX, and I do not need to pay interest tax in my first 5 years. 

Then, in XXXX. I received my bonus for opening a checking account, which is {$200.00}. 
However, they charged me {$56.00} Federal Interest Withhold at the same time. 

I called their customer service several times to try to resolve this problem caused by their lack of professional knowledge, the only answer I got from them was " we can not help you, you should talk to U.S. government or I.R.S. ", which was not making any sense at all. 

Then I went back to the branch where I opened my account, twice, the only answer I got there was " We have done nothing wrong ''. They refused to listen anything. Each time, they said they would call me back the next day with a solution, However, I have never heard anything from them. 

According to I.R.S, a XXXX XXXX student is exempt from filing interest tax in the U.SXXXX ( If they do not know where to find these I.R.S. documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) And also, according to the Tax Treaty between the U.S. and my country, a foreign student should be exempt interest tax within their first 5 years. ( If they do not know where to find these Tax Treaty documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) All other banks which I have relations with know how to treat a XXXX XXXX student, and they all did not put Federal Interest Withhold on my interest. Such as, XXXX XXXX XXXX XXXX XXXX, XXXX. And also, as far as I know, some other branches of US bank, they know how to treat a foreign student as well. 

Why, on earth, certain US bank employees do not have the basic professional knowledge and refuse to listen to any explanation? I clearly told them I could show them all these documents mentioned above, but they just refused to listen.