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

Someone claiming to be from BB & T responded to my complaint number  XXXX . I could not send online feedback because my consumer rights is threatened by error or related matters.  Time  is important. Attendance is a plus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile. I never opened an account with XXXX. Under The Fair Credit Reporting Act, once an item has been removed it can not be re added. XXXX XXXX could never provide me with any documentation proving I agreed to this ridiculous debt. Even after I disputed with the CFPB, they still could not validate and agreed to remove and I have the letter so now why is it being added with different information. I never received any information or communication, as required by the Fair Credit Reporting Act, from XXXX XXXX, XXXX, XXXX or TransUnion that this account was being placed back on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these inquiry and personal informations that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these inquiry and personal information not later than 4 business days. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

for the last two and a half years I have had approximately 10 transactions from the ATMs that either did not give me my money, gave me partial money, would not accept my deposit or accepted only a partial deposit and did not register it or didn't register my entire deposits. The very worst part of this is that before the last two and a half years I trusted the bank to count my money and deposit it Yes that was not the smartest thing of me but I made good money I didn't accept credit cards at the time and I just was in a hurry I threw my money into the ATM without counting it and there were times that I said to myself no no no no no no I had way more than that but of course I trusted the bank knew how to count the money so I didn't say anything at all and I know that I have been stolen from by Chase Bank because they never notified me and said hey you're deposit was incorrect we took more money than what you deposited. I feel I've been robbed by my bank. regardless if I was not smart enough to count the money at the time I trusted the bank to do that for me and they took advantage of that with their machines I requested for them to check on my transactions but they wanted exact times and I didn't know the exact dates. Chase Bank ATM machines are notorious for being down, inoperable. This is caused me to use nonchase ATMs for transactions this has caused me to have to run around sometimes to three different banks to find a working ATM when the bank is closed or when the bank is open because I don't have time to wait in lines or possibly I've just run out in my pajamas to make a deposit doesn't matter why ATMs are down all the time I hear people frustrated as I walk up saying the machine 's down again imagine that! ATMs are supposed to be an are offered as a convenience to their customers Chase is not supplying what they promise that we will have and that is the convenience of an ATM. when they're closed at night there's noone to tell thee ATM ook your money. it's frustrating to deposit money and walk away knowing that you have no receipt that you have nothing to show that you put money into that bank account because it's not registering. they've said they'd fix the problem over and over and over I've complained. so now I'm trying to go above them because it's been 2 and 1/2 years and nothing has changed. unfortunately I do not keep my dispute papers after their resolved but the bank has records so I don't have documents to upload but the bank has them
Product: Credit reporting or other personal consumer reports

XXXX XXXX has yet to contact XXXX as promised by end of XXXX. This is my second formal complaint to have my credit report reflect accurate information. 

Attached is the letter dated XX/XX/XXXX  from XXXX XXXX  stating that my credit file would be updated by end of XXXX. 

As of XX/XX/, this still has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

My fiancee were scammed XXXX of XXXX. We were told to XXXX XXXX or else my fiancee was going to be arrested. Were unable to get {$700.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through experian, XXXX and XXXX systems i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

Due to a data breach my identity was leaked causing my fraudulent accounts to be made and placed on my credit profile
Product: Consumer Loan

I filed Chapter XXXX Bankruptcy XXXX/XXXX/XXXX due to over using my credit cards for living and medical expenses while waiting for Social Security XXXX Insurance from an unresolved work injury and not being able to work and pay bills. I had a vehicle loan with Huntington Bank starting XXXX/XXXX/XXXX and chose to list it as Exempt Property on XXXX and to Retain and Pay on the Debtor 's Statement of Intention. I continued to pay and they accepted regular monthly payments until I paid it in full XXXX/XXXX/XXXX, 24 months early. They continue to list my vehicle as " Debt Included in Chapter XXXX Bankruptcy '' and " Discharged through Bankruptcy Chapter XXXX '' although it was n't and was paid in full.
Product: Credit card or prepaid card

Beginning on XX/XX/XXXX of the year XXXX till the current, My accounts at Cominity Bank- bjs ending in XXXX, case # XXXX. Along with an XXXX account with a case # XXXX. Both accounts have been in fraudulent use with multiple unauthorized transactions starting from and around accounts opening. I believe my cards were stolen and has been in use since, and all transactions on the accounts are unauthorized and are a result of fraudulent activities
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning : To Whom It May Concern I notified Experian to dispute some things on my credit report. I could not even speak to a representative but a recording machine which is unacceptable I am disputing my name which is XXXX XXXX Experian has me written as known as XXXX XXXX nor XXXX XXXX XXXX this is not my name a wrong spelling and they listing me as XXXX XXXX also known as I go by XXXX XXXX that is my maiden name XXXX was my married name I am divorced and by court order. I can use my name XXXX Experian also has my old addresses listed I do not live at XXXX XXXX XXXX XXXX. 
New York XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX I already disputed my addresses online with Experian. Experian needs to do better customer service and help customers not hide behind a recording it is unfair and unjust ice. 
Customes need fairness and equity thank you. My name is XXXX XXXX and address is XXXX XXXX XXXX XXXX New York XXXX # XXXX and also XXXX has me listed on an inquiry and I have no credit card with them on my XXXX and XXXX account. 
Thank you for your assistance.
Product: Debt collection

I have sent several letters asking them about this debt and they refuse to send me anything. I continue call XXXX and inform them that I do not owe them any debt to them inwhich they showed that I do not own any debt. This company IC Systems continue to report this collection on my Credit Reports.
Product: Debt collection

I am writing to dispute fraudulent accounts on my credit report, which I believe are a result of Identity theft. The unauthorized accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

This is not my account and i have never had any business with this company. Please remove this account that does not belong to me off my reports
Product: Checking or savings account

They closed my account without any reason why and have been S account member since XXXX My work check was sent too my account of {$4100.00} and I never received my money. Chime said they would send me money in 30 days and haven't received anything.
Product: Checking or savings account

I applied for bank account with PNC, I think it was Virtual Account, but I could be wrong. I think I got an email saying 'they couldn't open XXXX '. I called they gave me this # for XXXX XXXX. PNC is mentioned on a few podcast and other social media channels for being a bank that's good to do consumer business with. If you need a 2nd chance checking or credit not that good or score is low. Apparently they open to helping a certain category of consumers that other banks outright reject. I haven't had a checking or savings in years. Plus I never received the letter explain why they couldn't open it. This was maybe 1-2 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a notification from XXXX XXXX stating I had a new inquiry on my credit from CBNA. I also received several txt and a voice mail from Citi that I had to call regarding my application. I never filled out an application on XX/XX/2019 for credit of any source and with no one. I never gave my consent. I did call and they say they dont know.
Product: Debt collection

It is for an old bank account and the debt is {$440.00}. I have been told to appear at a show cause hearing. I have told the company I cant make it to the court hearing due to health reasons and as well as Im on XXXX and limited on funds. I have set up a payment arrangement with the company however they still want me to appear in court. I have only been sent the letter for court in the mail and not properly served by a sheriffs office. The court date is in another county and I live 3 hours away from that court. The agency is XXXX XXXX XXXX and they have not been understanding of my situation. They have stated even if on a pay arrangement and I dont attend the court date that further legal action will continue or bench warrant issued
Product: Credit reporting or other personal consumer reports

I received multiple letters from different creditors stating that I need to verify my information. Ive went through that process serval times so Im taken next step actions.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
On or about XX/XX/XXXX results from a disputed account XXXX XXXX returned with a notification the account was deleted as result to my demand for dispute validation and reinvestigation. The initial dispute was accompanied by document in which proved the account was conducted with fraud and I was not legally responsible. XX/XX/XXXX deleted personal information was deleted such as addresses and names as a result of a dispute. Both in which were reinserted. XXXX eclipse was updated as result of a dispute however I did not submit a dispute as I believed the account to be deleted. I demanded reinvestigation deletion as reinserting is a violation. No results were sent to me the account remains. XX/XX/XXXX an additional demand for reinvestment and to delete. The results were not sent only a letter stating the dispute was frivolous
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Report Number XXXX XXXX XXXX Experian They are providing incorrect information with my personal information and I have no address on file to update my credit report and they wont update the correct address
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. 

Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : CXXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX & XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 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 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: Debt collection

I received a letter from XXXX dated XX/XX/19 stating that I agreed to pay them {$2000.00}. I NEVER made this Agreement. I have Never spoken to anyone at XXXX. I do Not owe this debt and certainly would not agree to pay it. Sallie Mae was the original creditor of this debt and Sallie Mae has been deleted from my credit report. Sallie Mae changed their name to Navient. All Navient accounts have been removed from my credit report because the were Sallie Mae. Navient sold this debt to XXXX during the time I had a complaint with the CFPB against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My protection 's privileges have been penetrated and intruded by Equifax which is an immediate violation of federal law. Equifax reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Product: Checking or savings account

Today I received a letter from US Bank stating that I have a US Bank dda account which is overdrawn in the amount of {$3100.00}. 

I have never opened a dda account at US Bank. I have no knowledge of this account. I have obtained any benefit from this account. 

I did have an automobile lease with US Bank in 2020 for a XXXX XXXX. It was a 24 month lease which I purchased the car from US Bank at the end of the lease. 

My account history will show I was never late on any lease payment and paid the residual balance in full to obtain ownership of the vehicle.
Product: Credit reporting or other personal consumer reports

[ XXXX A XXXX XXXX ] [ XXXX XXXX XXXX XXXX  XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] TRANSUNION [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Subject : Dispute of Late Payment Reported Dear Sir/Madam, I am writing to formally dispute the inaccurate late payment information reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to request a thorough investigation of any information on my credit report that I believe is incorrect or incomplete. 
The specific late payment in question is for [ XXXX XXXX XXXXXXXX ] and was reported as being [ XX/XX/XXXX ] on my credit report. I believe this information is incorrect because [ provide an explanation of why it is wrong, e.g., payment was made on time, or any other reason why the late payment was inaccurately reported ]. 

I request that you investigate this matter and provide me with written verification of your findings. If the information can not verified, l ask that it be corrected or removed from my credit report as required by the FCRA. 
Please acknowledge receipt of this dispute and provide me with the results of your investigation within 30 days, as stipulated by the FCRA. 


look forward to your prompt resolution of this matter. Thank you for your attention to this important issue. 


Sincerely, [ XXXX XXXX XXXX XXXX ]
Product: Vehicle loan or lease

I was late paying my auto loan, Westlake Financial has called my work number 5 times in 2 1/2 hours ( XXXX, XXXX, XXXX, XXXX, XXXX ) and has called my cell phone in 3 hours ( XXXX, XXXX, XXXX ). 

Every time I am late making my loan payment they harass me by calling my work and cell phone number repeatedly. Then when I do speak to them, they are very hateful. 

What are my options?