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

OnXX/XX/XXXX, I opened a Money Market Checking Account with Citizens Bank ( Citizens Bank is a brand name of XXXX XXXX XXXX ( NMLS ID # XXXX ) and XXXX XXXX XXXX XXXX ( NMLS ID # XXXX ). Citizens Bank corporate headquarters : XXXX XXXX XXXX XXXX RI XXXX  ) The account was opened over the phone by a rep who sold me the account while assisting me with online access to another regular checking account. I gave my routing number and account number for a savings account with XXXX XXXX   to transfer {$25000.00} to this new money market account.

On XX/XX/XXXX, I received a letter from Citizens saying that they had placed a hold on the funds for 90 business days because of some information on the check not matching. I never wrote a check! The check was generated by Citizens system and the money was withdrawn from my XXXX XXXX  account. I have attached a copy of the check that was posted to my XXXX XXXX account.

This is as good as robbery because they won't let me close the account or release the funds for 90 days! And the money has already been released from my XXXX XXXX   account.

I have called, visited their branch and have received no information on why the hold was placed and what can be done to remove it. They asked me to give the information for someone from XXXX and I gave that to them, but still no response.

This is a bank that can not seem manage a simple electronic transfer in this day and age and on top of that has terrible customer service experience in not being able to share any details on why a hold has been placed on funds ; not to mention the legality of placing a hold on the funds for 90 days!!
Product: Debt collection

, I am filing a formal complaint against American Express ( AMEX ) regarding their debt collection practices, which I believe violate Regulation F of the Fair Debt Collection Practices Act ( FDCPA ), issued by the CFPB. 

Details of the Complaint : XXXX. Failure to Provide Validation Notice : AMEX failed to provide a proper validation notice, which should include a breakdown of the debt, the creditors name, and my right to dispute it. 
XXXX. Excessive and Unwarranted Contact : AMEX has engaged in excessive phone calls, digital messages, and other forms of communication, violating the communication limits set forth in Regulation F. 
XXXX. Harassment and Misrepresentation : The company has used misleading or aggressive tactics to pressure me into making payments without verifying the accuracy of the debt. 
XXXX. Unverifiable Debt Collection : AMEX has attempted to collect a debt that they have not properly verified, violating my consumer rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VERY RESPONSIBLE PERSON, AND I DONT LIKE TO HAVE MANY CREDIT CARDS AND I DON'T CARRY A BALANCE ON THE FEW CREDIT CARDS THAT I HAVE. ON MY XXXX XXXX XXXX XXXX WHICH WAS OPENED BACK IN XX/XX/XXXX, FOR THE MONTH OF XX/XX/XXXX ITS REPORTING A LATE PAYMENT, WHEN IDDINT EVEN HAVE A BALANCE ON THAT CARD. I CALLED THE COMPANY AND THEY ARE NOT SURE WHY THERE ARE REPORTING A LATE, I CALLED THE EQUIFAX BECAUSE THATS THE ONLY BUREAU REPORTING THE LATE PAYMENT AND TEY SAID THATS WHAT THE CREDITOR IS REPORTING, EVEN THE REPRESENTATIVE AT EQUIFAX WAS CONFUSED WHY THERE IS LATE REPORTING WHEN THERE WAS NEVER A BALANCE ON THAT CARD. I HAVE BEEN GOING BACK AND FORTH BETWEEN EQUIFAX AND XXXX XXXX XXXX TO HAVE THAT WRONG NEGATIVE REPORTING REMOVED FROM MY CREDIT REPORT AND NO ONE SEEMS TO CARE TO HELP ME. I ONLY HAVE 3 CREDIT CARDS AND ALL 3 CREDIT CARDS I HAVE XXXX BALANCE.
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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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 one 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 these fraudulent accounts in my report and CREDIT BUREAU 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, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report, and this is not filed by a 3rd party or Agency, this is filed by me. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : Rentrecovery Account # XXXX In addition, please provide the following : 1. Creditor Information ( Name, Address and Phone Number of Original Merchant ) 2. The Payment History and Itemized Billing Associated with Each Account 3. The Original Contract with My Signature on It 4. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my triple credit report on XXXX I don't understand why these 3 bureaus have totally different information, inaccurate, Inconsistent information if the information came from one creditor.

It has several FCRA Violations From XXXX XXXX XXXX XXXX : It's inaccurate and inconsistent, it's not reported the same as required by law.

1. Date of Last Activity inconsistent/Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. Payment History : Inconsistent & Inaccurate CO has been reported 17 times on XXXX but It was charged off one time.

NO payment history on XXXX, it's inaccurate XXXX XXXX days late : XXXX XXXX XXXX XXXX  days late.

This should be the same on all 3 bureaus 3. Close Date Inconsistent/ Inaccurate ; XXXX XXXX, XXXX  No DateXXXX XXXX NO Date 4. High Balance Inconsistent/ Inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX  5. Terms : Not Listed on XXXX XXXX or XXXX
Product: Credit reporting or other personal consumer reports

Experian is violating my rights under 15 USC 1681 ( i ) Reinvestigation of disputed information ( A ) In general If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 
Upon reviewing my consumer report, I noticed that several old addresses, employment records, and telephone numbers remain listed, despite my previous requests for their removal. This information is no longer accurate and could potentially misrepresent my current credit situation. 

The specific entries I would like to request for removal are as follows : Old Addresses : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX kindly ask that you review my account and take the necessary steps to remove this outdated information. I believe it is important for my credit report to reflect my current situation accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
This account 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 some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$45000.00}
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized 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
Product: Vehicle loan or lease

During COVID-19 emergency, the policies and procedures employed by Chase Auto were dishonest and deceptive, and have harmed my credit report disallowing me to gain assistance in a separate emergency. 

I was promised orally on a recorded line that the late payments due to challenges with obtaining consistent employment as a sole-proprietor would NEVER show up on my credit reports as long as I had made the payment as soon as I had obtained said income ; I was speaking with them once a week voluntarily prior to the string of payments I would be having hardship with. 
After the technical due date, I was harassed more than 5 times a day including weekends by their collection agents, and finally told them to start taking notes like theyre supposed to or Im reporting the harassment to the appropriate agencies. After 3 weeks of this bombardment, the calls finally slowed down, as I was doing everything as before this event even started ; I would call chase every Monday with an update to a PPP loan pending ( I still was never able to apply for a second one ). 
As soon as I finally got the loan in the summertime, I immediately paid off the remaining balance of {$1100.00} as we had agreed on. 
CHASE STILL KEPT THE ACCOUNT OPEN, due to late fees that we had already discussed being removed. 

Deceptive practices from them and lacking integrity during an emergency situation is volatile and has subsequently harmed me. Thanks Chase Auto!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I transferred money to XXXX from USAA on XX/XX/XXXX. The amount was processed by USAA on XX/XX/XXXX and removed from my account. On XX/XX/XXXX -- USAA charged me a {$29.00} insufficient fees and took back the money to XXXX. 

When I saw this on the XXXX -- I called USAA and they refunded the {$29.00} fee -- but they could not send the money back to XXXX. 

This same scenario has happened on multiple occasions where USAA prioritizes later payments made AFTER an amount has already been debited, and then retroactively charges me a fee and says the funds aren't available. 

I think they are deliberately doing this to scam people for ACH fees -- it has happened to me on multiple occasions over the past few years, and while I understand that when I can see that things are processed online and when it actually happens may be different -- this is a SCAM and it should be looked into -- and the bank should be responsible for properly processing payments in a timely manner.
Product: Checking or savings account

This is stated under resolution requested.. As I simply want my monies returned, and hard copy of all, requested documents mailed to m, at my home address.
Product: Credit card or prepaid card

on XX/XX/XXXX I placed a deposit on a piece of furniture with a company via AMEX for {$1300.00}. Vendor said would ship in XX/XX/XXXX, then late said XXXX then XXXX, then vendor cut off communications and is refusing to answer. We contacted Amex and they are refusing to do anything in regards to a dispute. They in a nut shell : say tough luck and to bad for us. Spoke to them via chat and even got the " floor manager '' XXXX to deny us as well. Seems they don ; t mind continuing thier relationship with this vendor and helping them steal from people.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX have no knowledge of addresses and my name spell wrong I want it disputed off my record ic systems also said it was deleted and its not I cant get a home do to these negatives reports and XXXX XXXX  is not supposed to be on my report as well they for the car back and said it would not appear I want it disputed off my credit
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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that Experian is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b XXXX Remove late payments XXXX XXXX XXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Debt collection

Pioneer Credit Recovery discussed my debt with my father and mother-in-law without my consent.
Product: Credit reporting

Hello! I am a single mother struggling to make a better life and I had my score up to XXXX and higher to get a mortgage then XXXX on 2 seperate occassions accused me of owing money which both times their company admitted fault and removed it HOWEVER my creidt score reflects as if i owed this for the almost year it was on y report and i didnt know : ( Now i a renting at high amounts and my score is XXXX!!!! HELP!! Please!! This is the problem in america we have become just like 3rd world counbtries where the rich and large companies are allowedd to hold down the common man /woman
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credit card balance was paid in full on XX/XX/2017 in amount of {$57000.00}. Company name was XXXX XXXX XXXX XXXX, which is shown on my credit reports. The company name now is D & A Services. I have contacted them to remove negative information but could not.
Product: Credit reporting

XXXX XXXX is not reporting correctly to the Credit Bureaus. According to both TransUnion and XXXX my balance is {$2100.00} with the last reporting dates XXXX XXXX. That is inaccurate because according to XXXX XXXX XXXX XXXX website my balance is {$1000.00} with the last payment date as XXXX XXXX in the amount of XXXX.
Product: Vehicle loan or lease

I got into an accident. I received my title and then found out months later that it had not been paid in full.due to Covid I had to wait for payment, yet they were not receptive and I had to be patient with Santander due to Covid. They were rude and not helpful, yet my credit has been negatively impacted due to late payments despite payments from the insurance company and the gap insurance company. I have now paid off the loan.