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

I deposited a settlement check of {$2100.00} on XX/XX/XXXX through a drive up ATM and it was put on hold until XX/XX/XXXX. I called them right after the deposit and they told me to wait until next business day because according to their system there was no hold and to call them in the morning if it is held. When I called in the morning I was transferred to a representative that would remove the hold. I was told that the hold couldnt be removed until the XXXX. I just dont want this money to be held for longer than that and Im worried it will be, due to hearing stories from friends about their checks being held for more than 3 months.
Product: Debt collection

On XX/XX/year> - I paid a bill to XXXX XXXX with my XXXX XXXX card. 
I have sent them emails which include the proof of payment of {$120.00} and spent hours on the phone with them. 
Despite my efforts and repeated emails with proof of payment, this company turned the bill of {$120.00} over to a debt collector ( Transworld System Inc ). 
I have harassed by this company for a bill that was paid ( on time ) in XXXXXXXX XXXX 

I would be happy to send the documentation from XXXX XXXX to prove that the bill was paid. As I said, this information ( proof of payment ) has been sent multiple times. 

Any help will be greatly appreciated.
Product: Debt collection

XX/XX/2016 I came inside and paid {$350.00} ( and the bill shows this ). On that date, I completed an INTENT TO VACATE form and gave it to th rep along with the lock etc and moved all of my things out as required. So the account should have been closed on XX/XX/2016. Yet they kept billing me over 6 months for an empty unit, which I did not use or need. They claim to have sent a certified letter but it's a lie and they dont have proof of the mailing etc ... Now they have placed me in collections for over {$1300.00} -- - all of it late fees.
Product: Debt collection

I have called them to stop he harassment and pay the amount owed with the removal of it saying charge off but it isnt working with them. They want to keen reporting and not have a legitimate way to solve the issue. I have offered to pay them a settlement or full amount am they still refuse to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.
Product: Checking or savings account

I have a check from  XXXX ,  a Wells Fargo business customer. The check was drawn on a We  lls Fargo  checking account in the amount of {$2000.00}. It represented payment out of  my  XXXX  ac count for reimbursement of   XXXX   medical expenses.     The teller a nd manager at the Wells Fargo bran ch at  XXXX   XXXX   XXXX  in  XXXX  Florida insisted the company 's policy is to charge {$7.00} to cash a check drawn on  Wells Fargo.   This was after they required that I put my fingerprint on the cover of the check in addition to the  XXXX  forms of identification.     So not only did they treat me like a common criminal being booked at a police station with the requirement of putting my finger in ink and then pasting my fingerprint on the face of a check but they also wanted to charge me an excessive fee to recover the funds from  a Wells Fargo a ccount of our  XXXX  medical administration firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank [ CreditorName : PNC BANK Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of Equifax being hacked, my personal information was leaked to the public for use by malicious agents. I have been forced to place a 90 day fraud alert on my credit report, and constantly monitor it going forward because I am at an increased risk of identity theft. Their decision to compensate me with just one year of Identity Theft protection - on the condition that I forfeit my right to participate in a class action lawsuit against them! - is not enough to make me whole and as such I will not be accepting it. Instead I will procure identity theft protection at my own expense so that I can make sure that Equifax is held accountable for their actions to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY 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: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) 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 of 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 file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item ( s ) from my report, immediately : Account : XXXX XXXX XXXX XXXX {$1100.00} -This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also TransUnion, XXXX, and XXXX. No one is resolving the issue.
Product: Debt collection

I have disputed this account many times with SOUTHWEST CREDIT SYSTEMS , L.P . 
XXXX. The date it was assigned is XX/XX/2020 and the amount is {$85.00} it doesn't belong to me.
Product: Checking or savings account

**This applies to acct ending XXXX had a savings account with Bank of America . I had too many withdrawals so they switched it over to a checking account. I told them I did not want them to switch it to a checking account to close the account. They opened the new account anyway. And XX/XX/XXXX I called and told them they need to close the account. I was told that they would reverse the fees and close the account. XX/XX/XXXX I am still accruing fees every month. I called again to have them close the account. I was advised that they would need to reverse the fees again and I would need to call back. After making several calls to close this account that never shouldve been opened it is still open with a negative balance due to fees they continue to charge monthly. All I want them to do is close the account, but my attempts have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter, passed away on XX/XX/2015. After she passed away I had to take care of her affairs. Thats when I discovered she falsified my signature to obtain a loan for educational purposes. I did not authorize her to use my signature or my likeness to obtain a loan or financial purposes. I have contacted all three credit bureaus, the department of education and Navient who holds the loan and they refuse to remove it from my credit report. Its hard enough to lose a daughter but to have to deal with this as an ongoing reminder is more than one should bear.
Product: Credit card or prepaid card

In summary I filed a claim with Comenity Bank for XXXX department store credit cards, which are XXXX, XXXX and XXXX XXXX back in XXXX stating that it was identity theft by XXXX XXXX whom was living with me in my dad 's townhome renting room she got access to my personal information and access to my account and also had mail box key. Has committed the identity theft all you after she left she stated she be moving to XXXX. My pas credit history shows that i have never opened up department store credit cards. However in less than year i think XXXX department store credit cards been open. 
Since XXXX have contacted in any form comenity bank I'm waiting for their investegation to finish and take care of these. I didn't receive any correspondence except statement coming in making me responsible for the account when i contacted them they said that since i don't more information on XXXX XXXX i have to pay for the accounts and they wont send it in writing to me. What their doing is completely illeigal. I have filed police report that up to police to find her not me.
Product: Bank account or service

I received a response to my complaint against US Bank ; however, I have not received the refund, nor my account statements in question. This has happened once before in 2009 and is a current issue as well. I believe that I am owed more and would need to investigate the transactions for overdraft fees. The CFPB file number is XXXX.
Product: Mortgage

I began the process to refinance my mortgage in XXXX of XXXX with XXXX XXXX XXXX License FL XXXX, NMLS # XXXX ). During this process, my mortgage was supposed to be closed before XX/XX/XXXX. However, due to constant delays, including the loan officer not knowing laws regarding my FHA mortgage and appraisal during the refinance process, my closing was delayed multiple times. I contacted XXXX, the loan officer, about paying my XXXX mortgage on XX/XX/XXXX and was told to hold off on paying my monthly mortgage and she assured me that it would not hit my credit. Further, XXXX contacted me on XXXX to again advise me not to pay my mortgage for XXXX, again assuring me that nothing would hit my credit. 
I closed on my refinance on XX/XX/XXXX with a 3 day right of recission, with the payment supposedly funding on XX/XX/XXXX. However, the title company stated that they had issues with wired funds for a payoff, thus my payoff wasn't sent and delivered until XXXX, resulting in a 30-day late hit to my credit. Upon speaking to XXXX about this, she referenced the fact that I could have paid my mortgage for XXXX and simply waited for a refund from my mortgage company, however, she never advised me of this until after closing. Had I know that that was the case, I would have gladly paid my XXXX payment and waited for a refund. 
I contacted XXXX, the loan officer, about this and she filed a dispute with the credit bureaus, writing a letter that appeared to come from me directly, but was authored by her, but the situation was not resolved. Her supervisor, XXXX XXXX XXXX NMLS # XXXX ) advised her that the credit bureaus would most likely not accept that letter in reference to my credit dispute, citing the multiple other documents that would also need to be submitted. 
In order to begin the process of disputing the hit to my credit myself, I requested a letter of explanation admitting fault from the title company, which they provided, and a letter of explanation stating that I was ill-advised not to pay my XXXX mortgage by my loan officer. However, she refused to do so, stating that it would compromise her loan officer license and XXXX XXXX, the branch manager of PRMG, has refused to return my phone call and emails and has refused to be involved in this issue.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX Account # XXXX, Account # 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't 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( please remove these account accounts before I seek litigation for the defamation of character. ) XXXX XXXX XXXX XXXX balance {$520.00}, XXXX  balance {$0.00}, XXXX XXXX  balance {$1900.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or that I havesigned any agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX 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  VETERANS XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX account Account XXXX : XXXX
Product: Debt collection

I keep getting calls from Gateway One where they call my phone every day leaving voicemails asking for a person who i do not know. I 've told them they have the wrong number but they keep calling. They are violating the FDCPA by continually contacting me and I feel like the only way to stop it is to block them.
Product: Consumer Loan

I was quoted an APR of 3.44 % for an auto loan on a vehicle that is between 2 an 7 years old on XXXX XXXX 2017.. The quote was given to me over the phone on a recorded line. When I called to complete the loan I was told that the APR had changed to 4.11 %. I was told on the XXXX XXXX call that the APR was good for 45 days. I was transferred to a supervisor XXXX employee number XXXX. XXXX was asked to review the call from XXXX XXXX and meet the quote that was given. XXXX stated that all calls are not recorded which is not true. Calls that give APR are required to be recorded. After being disconnected several times I reached XXXX who states she was the assistant to the CEO. XXXX took my complaint and stated that the bank would be calling me by the close of business.
Product: Debt collection

I declare under penalty of penur ( under the laws of the XXXX XXXX, I execuled oulsict of the United States ) that the foregoing is true and correct to the best of my knowledge. 

Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 

also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person of company - without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was signed up with XXXX and they ran a consumer report on my driving record. 
There is false information listed. 

1. I have never driven a commercial vehicle, but this is on my record. 
GEORGIA SERIOUS COMMERCIAL DISQUALIFICATION  XX/XX/2017 XXXX Code W01 Category UNACCEPTABLE LOOKBACK XXXX Description GEORGIA SERIOUS COMMERCIAL DISQUALIFICATION Issued Date XX/XX/2017 State GA It also states I'm a minor in all instances.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I need you to quickly take steps to remove the fraudulent inquiries from my credit report, as they were not made with my consent and are causing me significant distress.