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

OK XX/XX/XXXX WENT TO THE BOA ON XXXX XXXX XXXX XXXX AND ASKED THEM TO TAKE OFF A CO OWNER XXXX XXXX WHO LIVES IN XXXX AND SHE CANT WRITE BECAUSE HAVING OPERATION ON RIGHT WRIST HER WRITING HAND. 
THEY MADE ME WAIT THERE FOR AT LEAST XXXX MINS AND WHEN THE MAN CAME BACK HAD SOMEONE ELSE WITH HIM AND SAID HE COULD CLOSE THE ACCOUNT TO TAKE OFF HER NAME. tHEN HE WANTED ME TO HAVE HER COME HERE TO THE BANK AND SIGN PAPERS I TOLD THEM THAT CANT HAPPEN. I ASKED THEM TO GIVE ME THE PAPER AND WOULD SEE ABOUT WHAT I COULD DO, I LEFT WITHOUT THE PAPERS AND THEY WOULD NOT DELETE THE NAME OFF AS CO OWNER ACCOUNT XXXX XXXX XXXX TAKE XXXX XXXX OFF AS CO OWNER THATS ALL.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$180.00}.
Product: Checking or savings account

I had several recurring transactions made on my account and I was reimbursed some but kept recurring and eventually my account was frozen money still being taking off my account and wells Fargo wouldn't give any of my money back after these where the same transaction that had been previously given back but I lost XXXX $ and my accounts were closed and this was determined fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeping my old ( 10 years old ) credit card that was unpaid due my hard time in college. A statute of limitation in Massachusetts Maxing all your dept on credit report up to 6 years General Laws Part III Title V Ch. 260-2. Please have them remove it because it damaging my score for life and violating my civil financial rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  Date Opened:07/13/2021 Balance : {$700000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Wednesday at about XXXX pm, I was at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX school XXXX XXXX XXXX and XXXX stranger drove upto me and he explained how he was XXXX and a cashier check that he was holding didn't work with any of the banks and asked for my help since I have a bank account in the U.S. It reminded me of the times that I struggled when I first came to this country so I tried to be nice and helped him. We went to the ATM machine together, and inserted the cashier check ( which the ATM machine accepted ) and checked that {$1000.00} was deposited into my account. Then I withdrew {$1000.00} for him and he left off. A week later on the XXXX, a {$1000.00} went out from my account making my account a minus. It said " return item chargeback '' on my account. This is undoubtly a fraud incident that I experienced and I just need my {$1000.00} back. I was just trying to help this guy and did not know that was a fraud check. 
I already contacted the bank and the police, and the Bank of America said that there's nothing they could do about this situation despite this obvious fraud. Please help me with this situation because I'm just a poor student who's trying my best to keep up with my life here.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Debt collection

Professional Debt Mediat opened an account XXXX XXXX, XXXX {$2700.00} Which was a place I lived with a bf and at that time I followed everything the rental office instructed me to do when moving out. As soon as I did the company sold over and the new company sent this to the reporting agency. The apartment was return the same way received and they kept my deposit. XXXX XXXX XXXX open an account XXXX XXXX, XXXX {$1700.00} This was outdated and needs to be removed.
Product: Payday loan, title loan, personal loan, or advance loan

They take payments out every single pay day but do not apply the payment until XXXX business days AFTER, which is terrible since interest is being accrued on the current balance and not the balance after a payment is made. Each day interest is accruing and every time I try to pay off the entirety of my loan, they have not updated the account to show the most recent payment made so interest even accrues on that. I have emailed them since I tried to call and it is just an automated system and when I put the CORRECT information in, they state they do not have anything with that information so I can not even speak to a human being about this issue. They have made it impossible to pay and are practicing unethical business practices. The most recent payment was made XX/XX/XXXX of {$500.00} with Speedy Cash online and as of XXXX XXXX central time today, my account still does not show the updated balance with my payment, but everyday the interest is accruing and that is updated on my account. I called yesterday, XX/XX/XXXX with no help, and have emailed with no response first thing this morning on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : DEPTEDXXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX
Product: Credit card

I contacted TD Bank because in a trip to California in XX/XX/XXXX  my daughter who is the authorize in one of my TD credit card account her credit cards were stolen and TD card had a lot of transactions that were not hers. She called TD bank and reported to TD bank, and TD bank said they were resolving it. Gave me the credit and then they put charged the card again, this is not fair to me, We did not use that card in California. We don't have need to lie about it. This is very injustice that now they are charging me for transactions, charges that WE didn't do in our trip to California. I am kindly asking for help. Please help me investigate this as I tried all I can to tell TD Bank that we didn't do it. On the last letter they said they investigate and if they really investigated, they would of find out that wasn't us. I know TD Bank did not do their job to investigate it thoroughly. WE DIDNT DO ANY OF THOSE CHARGES.
Product: Credit card or prepaid card

I have attempted to contact capital one about this issue several time over the past year or two. They are unable to provide a reason for not granting my CLI request. I've had this account card for over six years now. 
In capital one 's most recent denial letter that I've gotten, it does not state a reason. It simply say 's not available upon request. This is the reason usually given for a secured card account, this card is not secured and has been graduated a long time ago. 
Stuck with a merely XXXX  $ limit, even though I've been granted limits of {$6000.00} and up from other banks. 
This is absolutely ridiculous that when I call, and ask what the reason is? The representatives can't give me any useful information. 
This is not proper practice for a financial institution, all other banks give valid reasons, such as low credit score, too many inquiries, payment history, and capital one has given that reason for this account before. But when I clear everything up and wait, they end up not being able to provide a reason anymore and just say this. And on the same letter it says, look at the back for a denial reason, and my reason is not listed!
Product: Mortgage

Was given til XX/XX/2019 to purchase flood insurance by bbva. I did so and my insurance agent sent the proof of insurance on XX/XX/2019. He also called to make sure everything was received. On XX/XX/2019 bbva purchased flood insurance on my behalf then cancelled it and only refunded me a portion of the premium back. Cost of premium was XXXX and refund amount was XXXX. I did what was asked if me on time. The letter just says to respond by XX/XX/2019 and I did that several times also. Still I had proof that I purchased flood insurance before the deadline and all the info was sent to bbva on the XXXX of XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with personnel from Experian, XXXX, and XXXX about the potential for phony accounts to be created using my customer information. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I submitted my information via standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier, the accounts that were not mine were still shown in my documents since they had been " confirmed. '' I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. I got in touch with the three companies again on XX/XX/XXXX to ask how they could demonstrate that these accounts belonged to me. They said there wasn't much more they could do to assist me and advised me to talk with the debt collectors directly. When the customer contacted, every bank that immediately sprang to mind had been dialed wrong and had no clue who I was or what the accounts were about. To be sure I didn't make a mistake, I conducted my study online. My friends told me to go to the CFPB website. I really hope this works since my family and I need the home we're trying to purchase.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1.Address : My current residential address is XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX but my credit report shows an outdated address as 1 ) XXXX XXXX XXXX XXXX, FL XXXX XXXX I request that my current address be updated accordingly. 

2.Employer : My current employer is XXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as 1 ) XXXX, 2 ) XXXX XXXX XXXX FL. I request that employer be updated to reflect the correct information. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im upset because my credit report will not update on credit monitoring services specifically ( EQUIFAX ) and also XXXX hasnt updated since XXXX, 2022. Ive tried fixing this issues previously with no results. My report is having error updating on XXXX XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX and TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This is showing to be late but it also says its been transferred. Additionally, the balance is already {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX at wits end. I have no idea what is going on over there at the CFPB. You claim XXXX not the one submitting it. This to me is crazy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. So XXXX submitting it again hopefully for the last time. TransUnion and XXXX have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored this documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing it from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 



Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

In XX/XX/XXXX I turned off the recurring payment options on my credit card account with MasterCard/Synchrony Bank using their website. I did this because I was closing that checking account and moving my money to a local bank. Evidently the recurring payments did not turn off. I did not know this. I continued making my payments on time using my new checking account. Their website will not allow you to delete a checking account, only add new account numbers. I received an email in XX/XX/XXXX telling me that I was taken off the recurring payment system because my payment had been returned. I was a little confused, since my payments had posted to my checking account. When I called the customer service desk to inform them that we were leaving the country on vacation, the person on the line told me of no problems with my account. The next day they closed my account, even though all payments had been made and the account was not delinquent. I feel my account has been closed for the wrong reasons and because their website is unreliable. Even though I called on XX/XX/XXXX to question why my account was closed, they informed me that nothing could be done. I asked them to make sure that the recurring payment option was turned off on the XX/XX/XXXXToday, XX/XX/XXXX I received an email informing me that my payment had been rejected. The payment was made on XX/XX/XXXX  and accepted by  Walmart/Synchrony Bank. So apparently their system continues to look for the auto pay from old account. I suffered a hardship in my travels overseas, because their online system did not do what was asked of it.
Product: Credit card

On XXXX XX/XX/year> I had asked an acquaintance of my family friend to pay the card as they asked me to help them purchase few items over the internet. They call and made the payment over the phone however I was told by credit card company that the payment was on hold because it was done by another account that is not mind. Well i explain to then that from time to time if i see the benefit of purchasing goods for someone using my card and in return they will pay half or my entire bill its something that help me build my credit. The amount paid was {$500.00} as i made multiple payments that month. 
Capital One call me to asked me to verify the information and I then proceed to giving them what they asked for yet my account still got restricted when they spoke to the account owner. They also have instances where payment where done by that person over the phone yet i have no clued how their banking was added to my account when i did not provided my log in information other the card # and phone to speak to XXXX to make payment. Then, I'm being blame and account restricted for over a year. This no only impacted my debit card and XXXX payment, but also my credit as these balance where accrue over the time and not one time. For the records I always managed to pay it down without help but because they restricted in a time where i was leveraging credit and cash I'm now force to pay everything with cash knowing that this card is vital to me as i you used it to cover most of my business expense. 
At this point capital one not only is blocking and reporting in accurate balances to the credit bureau but also charging me interest for open balance that accrue over time. They aware how much i make and my other creditors so just paying them without being able to used the revolving line of credit its nearly impossible at this time.
Product: Mortgage

Since XXXX Ocwen Loan Services has taken it upon themselves to escrow our homeowners insurance after 22 years of us paying the insurance company directly ourselves. I have tried since XXXX to get this resolved and every since then the problem continues to remain. Them escrowing my homeowners insurance had caused our mortgage payment to go up an significant amount for the past two ( 2 ) years. Again for XXXX we are experiencing the same problem and will experience another year of higher mortgage payment because of them escrowing our homeowners insurance. We never consented to having our homeowners insurance escrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Whose address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Citi bank closed my 2 accounts & never gave me my SOCIAL SECURITY XXXX CHECK or my {$2000.00} that was in there