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

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Debt collection

On XX/XX/2021, I sent a letter to XXXX XXXX XXXX XXXX asking them to verify the debt and for any proof that I owed the debt. 

On or around XX/XX/2021, the response I received were the last four digits of my social security number, my name and the original creditor of the debt. He also told me I needed to file a police report if I wanted proof of the debt. 

On or around XX/XX/2021, I again asked for the proof of the debt. I also asked why did I need to file a police report for debt validation. As of XX/XX/2021, I have not had a response to my request. 

I have also tried to contact the original creditor to see if I can get any information but their number listed is not working and the email address comes back undeliverable. I have emailed them at XXXX and the phone number belongs to a company called XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened a checking account at BMO bank in XXXX and never had use it. Had {$2200.00} sent to me through XXXX and they can't be trusted either.I wanted to do a wire transfer and said it was fraud and it wasn't if it eas it would of been sent back.and the person that sent it made out a report on it the XXXX XXXXXXXX going to be used for towards my XXXX XXXXXXXX he has a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which he didn't get his XXXX cause they froze my account I've emailed 4 or 5 times to the banker and.I don't get any where from them I went in last week was going to close it and to get my money and they said we can't give you your money or close account cause they were waiting back to hear from XXXX I'm sorry it's almost 4 months and all I get is a run around. I need your help Thank you XXXX
Product: Vehicle loan or lease

There are inaccurate amounts and date appearing on my credit report
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency.

The incorrect details are as follows:

XX/XX/XXXX****, INQUIRYXX/XX/XXXX- XX/XX/XXXX 

The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial wellbeing. I believe it is crucial to rectify these errors promptly.
I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my
claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to: Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act (FCRA), it is your responsibility to ensure the accuracy of the information you maintain and report.

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Checking or savings account

On XX/XX/year> I deposited {$1400.00} in cash into a XXXX XXXX ATM to pay my rent on the tenant portal, the ATM was located on XXXX XXXX in XXXX XXXX XXXX, inside of a XXXX. Portal said funds were insufficient. I called XXXX XXXX Bank opened a claim on the XXXX. Next day it was put into my account. I figured it was solved. Couple months later XXXX XXXX Bank said my account was overdrawn. They said I only deposited {$140.00} not {$1400.00} on that day. The did not belong to them, but it had their Name on it and it was up to me to figure out who the ATM belongs to and talk to them. They closed my account and sent it to collections. I filled another claim so that they could contact whatever companies ATM they were using to solve this matter. They said their job was done and I was on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act account XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX  XXXX Date opened XX/XX/2008 Balance {$430.00}
Product: Student loan

XXXX I have sent a copy of my orders to XXXX of my lenders. XXXX of them have deferred my loans until the orders are over. The XXXX is refusing to defer my loans saying that I do not qualify for the benefit. 

I went to XXXX XXXX School XXXX located at the time in XXXX XXXX, MI. The school is now loacted in XXXX, FL.
Product: Debt collection

In XXXX of XXXX, I received a letter from a company labeled as XXXX  XXXX saying that I was being charged {$200.00} for a device I did not turn in earlier in the year when I quit using the device because it did not work correctly and was costing a lot of money. I had turned in the device to my local XXXX XXXX store in XXXX XXXX, so I ignored the letter thinking they had not caught up with it. Before this time, I did not receive a bill or statement saying I owed money for early termination or anything else. XXXX XXXX is associated with XXXX XXXX, and billing typically goes through them. In XXXX, I got a collection notice from a firm called Aldous and Associates for the {$200.00}. When I called them, I told them I had turned the device in, but they said the money was an early termination fee. This whole process seemed strange to me, so I was suspicious and decided to check further into it. In XX/XX/XXXX, I went to the XXXX XXXX store in XXXX XXXX and talked to them about the debt. They could find no evidence of the debt ever existing at either XXXX or XXXX XXXX, and even their collections department said I was in good standing with them. XXXX XXXX tried to contact the number for Aldous and Associates,  but the number was disconnected.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

Sent 609 letters asking for physical proof of verification of this account belonging to me I havent received anything in writing are as to proof this account belongs to me
Product: Checking or savings account

On Saturday XX/XX/2024 at approximately XXXX XXXX I attempted to deposit {$1300.00} cash ( cash XXXX XXXX XXXX XXXX  ) in the ATM inside the PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. This is something I have done many times in the past without issue, this evening however, the machine took my cash and provided a vague error without printing a receipt or anything else. I have since attempted to contact the bank to get the cash back or to be made whole in my checking account and I do not feel that I am being treated seriously enough given the issue at hand and the fact that I desperately need this {$1300.00} to pay my bills and eat for the rest of the month. I could really use some assistance in being made whole as this issue lies with the bank, my hard earned money has essentially been basically stolen by a financial institution with little to no consequences and has caused a lot of hardship on my part. 

Thanks in advance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US Dept of Education - This debt was from XXXX XXXX in XXXX. I disputed and it was removed from my credit report in XXXX/XXXX. It is now being reported as Dept of Education. Experian and and XXXX continues to report a 30 yr old debt on my credit report. I have disputed and sent documentation as to why it should be removed. XXXX removed the information in XXXX of XXXX. This debt occurred in XXXX. I filed XXXX  XXXX in XXXX and it was discharged in XXXX of XXXX. According to the Fair Credit Reporting Act, the length of time that collection accounts may remain on credit reports is seven years and 180 days from the date the consumer first falls behind on the original account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX account name XXXX XXXX account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

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

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Checking or savings account

I made a XXXX transfer between accounts at 2 unrelated banks. Ally then froze my life savings in my Ally savings account. They also froze the ability to transfer money to and from the external accounts on file at Ally.

This Ally account is a joint account I hold with my wife. My wife added her savings account at another bank as an external account when we opened the account. I was told that they cant unfreeze my transfer services on the account that my added because we are not joint account holders at the bank that account is with. This does not make any sense because the we hold the account at Ally jointly and therefore I am authorized to make account changes on behalf of both of us. 

When I called, I was told that a work order would be submitted and that the ability to move money in and out of my accounts would be restored in 1-2 business days. This SLA is injurious to consumers.

I was not told why my accounts were frozen.
Product: Credit card

Received XXXX forms dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Both debts were included in a bankruptcy which was discharged on XXXX/XXXX/XXXX.
Product: Debt collection

Paragon Revenue Group has an account an my cerdit report saying i owe, and its not my debt. Im looking at my credit report and they added another debt to my credit report after all the others were removed.The debt is for {$1300.00} dollars. Mys sons mother is taking my son to the doctors and i no longer work for the company the insurance was originally carrying him on. All his or her debts are coming over to me since i was the account holder
Product: Money transfer, virtual currency, or money service

Today XXXX/XXXX/2019 I set up an international transfer I wanted to transfer {$14000.00} BUT the max was only {$1000.00} without XXXX The transfer fee for the {$1000.00} was {$35.00} ( 3.5 % ) If I have to do 14 of these transfers it will cost me {$490.00}!!! 

BUT I can't use the mobile phone APP to increase the {$1000.00} limit because the XXXX   wont accept my XXXX mobile number XXXX How can I solve this???
Product: Debt collection

Was notified by relative of summons 2 months after filing date of lawsuit regarding old debt. on XX/XX/2021 I called and emailed Rausch Strum to set up a payment plan but rep told me she could not accept my payment. I emailed company also and haven't received a response.
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 confidentially under 15 USC 1681. 



Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX User Social XXXX Account Name : XXXX XXXX XXXX  User Social XXXX Account Name : TXXXX XXXX User Social XXXX Account Name : XXXX  User Social XXXX Account Name : XXXX XXXX  User Social XXXX Account Name : XXXX XXXX  User Social XXXX Account Name : XXXX User Social XXXX Account Name : XXXX XXXX User Social XXXX Account Name : XXXX XXXX XXXX XXXX User social XXXX Account Name : XXXX User Social XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to CREDIT ACCEPTANCE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Mortgage

in 1998 we put our home in our sons name due to health problem. we knew he took a mortgage on it. we have lived in our home 31 years. when we saw it in the paper it had been foreclosed on we immediately went to our banker, got a loan approved had our insurance lined up. everything was ready all our banker needed was to know how much money to send and who to send it to. that is when the nightmare started. we couldn not get them to send us a pay off amount. Our banker and the closing lawyer was constantly sending emails and calling try to get it. once they sent XXXX it was only good till the next day. our banker told them he had to have 48 hours to finish the paper work and write the check. The next payoff they send was out of date when we received it. While we were trying our best to pay them their money they had the foreclosure sale now they are sueing to evict us from our home. We have plenty of documentation showing how hard we all worked trying to save our home. They would not cooperate with us at all. The closing attorney that was helping us was checking the paper work he could get his hands on said said there was a glitch in the deed. The deed they took the mortgage on has our physical address on it but the land description does not include the land our home is on I do not think they have the right to take our home we have owned for over 30 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very tired of Experian defying the law and NOT sending documents when REQUESTED by a consumer. Experian is a terrible company and should not be allowed to get away with adding whatever they want to consumer 's credit files WITHOUT properly verifying the information. I have submitted a dispute and Experian simply refuses to DO THEIR JOBS! I asked for hardcopies of what information they received to verify information and instead they send me a letter stating they will not remove accurate information. Again they DID NOT SEND ME WHAT I REQUESTED AS A CONSUMER. THERE IS FEDERAL LAW THAT THEY MUST ABIDE BY AND THEY ARE NOT. These are the same people who lied about the scores they were providing consumers with so why should they continue to be trusted. Funny enough I contacted the SAME CREDITORS WHO EXPERIAN SUPPOSEDLY VERIFIED INFORMATION FROM AND THEY TOLD ME THEY DID NOT GET A REQUEST FROM EXPERIAN TO VERIFY THE INFORMATION I AM DISPUTING ON MY REPORT!
Product: Debt collection

I have asked R.A Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed several complaints with CFPB for other issues with Chase, for example a checking account, they mishandled my paycheck on more than one occasion, ie holding funds that had been verified, therefore causing a number of subsequent issues ( bill payments bouncing, not having availability to my funds at the date it was said to be available, charging fees, etc. ). When my funds finally became available I immediately moved it to a new bank and Chase attempted to reacquire to be spiteful and without my consent. I blocked them ... My new bank alerted me, honored the rules, but I had to go to my new bank to fill out a form stating Chase attempt was not approved and they could not withdrawal from my account without my written consent, ever. 
Since that time Chase continues to retaliate against and attempt to bully me for the complaints I have filed with CFPB, by closing my credit card ( XX/XX/2020 ) for no valid reason ( gave me several different reasons over several unnecessary phone calls and messages ), causing " glitches, '' therefore making extra work for me to do, compounding interest and reporting incorrectly to all three credit bureaus. 
Since closure, I have paid this card as agreed, on time and in full ( {$2700.00} XXXX XXXX ), however Chase is continuing to report as active account, charging fees they are not entitled to, compounding interest ( interest charged is the same amount now as it was when the account was open ) and reporting the limit too high ( {$2500.00} is what I agreed to and had ). To my understanding this violates several laws ... Fair Credit Reporting, attempt at theft, etc. 
I held on reporting this until now for four main reasons 1. I did not catch how they were reporting until 4 months ago 2. I keep trying to give them the benefit of the doubt they will act accordingly, they wont obviously 3. I paid/closed my auto loan account and wanted to make sure they could not retaliate further for this one and mess something up. 4. I am tired/lost patience a long time ago for the games they play They made this personal. It is pathetic and a waste of my valuable time to keep contacting CFPB to reprimand Chase. Chase has to follow the rules they are bound to, remember it is not their money we allow them to handle and just because they have a lot of money/power they can not just do whatever they want. 
I am not the only person I know of them doing this to. 
Chase need to be slapped just as XXXX XXXX was recently : ) Thank you for your time.