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

The dates vary from between XX/XX/XXXX to XX/XX/XXXX. During this time I was unfortunately XXXX  in a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had given the debit card to my mother to give to my significant other at the time so she could have access to the funds and account to be able to make purchases for our animals at home to take care of her or she needed to send me something she would have money and not have to worry about being the only one working. Upon being 2 weeks into my sentence she went to go purchase a new dog crate and she got denied as unsufficient funds. This is when we began our investigation to figure out what was going on meanwhile I of course I am XXXX and my significant other time had my power returning so she could figure out what was going on. Long story short it seems that my ex wife over 10 years ago at that time had somehow got an access to my account and added the card to I'm assuming her phone that she was going all around town making purchases eating and things like that as we started to look at the withdrawals and the checking account in savings accounts activity sheet which showed Her sending wire transfers like XXXX to her dad 's bank account through Wells Fargo which is the bank I was using as well as her dad. Mind you my exwife and I have not Share the bank account and almost 11 or 12 years much less you can I had never had her name on it and was in new one I had created way after our divorce.. My significant other at the time started the process of reporting it trying to get the police to do something who wouldn't as well as getting Wells Fargo and everytime she's put to Wells Fargo they would say oh yeah we can see that this is not your fault and then suddenly they would change their mind and say there's nothing we can do sorry and that's it. So much to say that they refunded like a {$100.00} out of the XXXX that was stolen out of my account to turn around and take it back from her. When I was finally released I went to Wells Fargo myself. My significant other and I went in to the local branch by the house and explained to what was going on short of the paperwork of me being iXXXX  that there was no way I was doing this.. Shoulder all the paperwork from Wells Fargo and how they just denied to get my funds back or do anything and how the police won't even return calls or online police reports. This Wells Fargo representative literally was saying this is crazy this is definitely not your fault we're gon na get your money back don't worry she gets on the phone and calls the main office I suppose and sit there and talk to him for about almost 10 minutes once she suddenly just hangs up the phone looks at me and says sorry this said there's nothing we can do and that's it. I have written them I have called them I've gone to local branches this is ridiculous..
Product: Credit reporting or other personal consumer reports

15usc 1681 law requires you to validate this account with a signed contract. futhermour i did not agree to have my non public information shared
Product: Student loan

I had one student loan with fedloan and it was transferred to the dept. Of edu. This student loan is currently paid in full and closed but these two accounts show late payments that are inaccurate. Especially on the dates of XXXX. 2012 to XXXX 2012. Due to me being enrolled in school and payments were to be deferred until 6 months of my last enrolled date. I 've made numerous attempts to get the late payments updated with this company directly. By phone, fax and mail. Those late payments are really affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # 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 not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This business is a scam ( the owner is XXXX XXXX ). They sent me a written contract asking for an upfront payment of {$590.00} to dispute a few inquiries. Charging upfront fees is against federal and state laws. Also, the contract states : American Credit is a non-profit corporation organized under the laws of the state of California, having duly filed an application with the Internal Revenue Service, operating as a tax exempt organization, pursuant to Section 501 ( c ) ( 3 ) of the Internal Revenue Code. 

This is false. The IRS website has a Tax Exempt Organization Search Tool You can check an organization 's : Eligibility to receive tax-deductible charitable contributions Review information about the organization 's tax-exempt status and filings. 

The IRS has no record of this company as a nonprofit. A private foundation can not be tax exempt. Certain credit repair practices are illegal. I seek to hold this company accountable for violating consumer protection laws. 

This company doesnt have a surety bond and did not register with thXXXX XXXX XXXX as required by state law. 

The written contract they sent me does not mention the name and address of their business bond as required by state law ( Credit Services Act of 1984 ) This is a criminal misdemeanor. 

Their written contract instructed me not to communicate with the nationwide consumer reporting agencies. 

Their written contract also mentions a non-refundable fee which may be against both federal and state laws.
Product: Credit card or prepaid card

The Indigo XXXX XXXX  I was sent a pre approval. I accepted the card and never received the card. Ive called the company XXXX XXXX asking when the card would arrive and no one would tell me when it would come. Its been a XXXX waiting for it to arrive and inside this month theyve sent multiple letters to my address but not my card. They sent a bill and filed it on my credit report, yet the card was never delivered to me
Product: Mortgage

I have submitted a short sale offer to US Bank for review. Their appraisal value returned higher than the property can presently be sold for, due to the repairs required. We do not believe the as is value of the bpo and/or appraisal was calculated correctly. The value dispute documents, contractors bid for repairs and photos of damages, were emailed to the previously given address for our direct contact, XXXX XXXX at XXXX and the general US bank email address given for loss mitigation documents of XXXX both on XX/XX/2019. After no initial response, my agent also formally resubmitted our short sale request and uploaded the value dispute to XXXX on XX/XX/2019. We have received zero acknowledgement or response from US bank on our value dispute. My agent also reached out to the newly assigned negotiator, XXXX XXXX, via XXXX  on XX/XX/19 and XX/XX/19 with no acknowledgement or response to our value dispute. My real estate agent 's office made calls to US Bank directly on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19, at which times no representative of US Bank has ever been able to give us the status of the value dispute.
Product: Mortgage

Thank you for your previous help in trying to get a loan modification from Bank of America since we were recently denied in the past. Upon sending the loan modification paperwork to Bank of America, we were sent the same application to complete again and again. We need your help in ensuring that the Bank of America paperwork game do not continue. I am attaching the documents so the Bank of America representative can resubmit the paperwork to the loan modification team. 

Also, we recently tried to get Home Owner 's Insurance at a cheaper rate and the insurance company stated that I did not have a mortgage account with Bank of America and they could not send proof to the insurance company. Thanks. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$250.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1900.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6500.00} XXXX XXXX & XXXX XXXX XX/XX/XXXX.
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 Experian, to reinvestigate these accounts : XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account XXXX : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I appreciate you making the effort to remove and update some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

2 months Chase credit cards decrease my credit limit on 4 credit cards making my balances 90 % of credit limit which made my credit score dropped by XXXX points. I made my payments on time 100 % of the time. I called the company and they said they will get back to me. Never did. Every time i called them, they send me from one department to another without a chance of speaking anyone about the issue.
Product: Debt collection

Two days in a row, people have called me telling me that the government has placed a file with them and they want my date of birth or other identifying information. When I ask who they are, they tell me the can tell me only their names. Any legitimate response would include a name and company name. They refuse to do this. During the third call in 10 minutes this morning, a woman told me this is from General Revenue Corporation. I asked her to send me a letter before making harassing phone calls. She asked for my address. 

Calling repeatedly within a short time frame is harassment. Refusing to identify themselves and their employer when asked is shady. There are too many scams that begin with demands for personal information. I 'd pay a bill if they sent it - my address is easily available. I will not tolerate another morning of this kind of harassment.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Target/TD for failing to validate the account XXXX on my credit report. Despite submitting a dispute and requesting verification over 60 days ago, Target/TD has not provided the legally required documentation within the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ). This failure to validate and continued inaccurate reporting has harmed my creditworthiness, causing financial loss and emotional distress. 

Specific Violations Failure to Validate Debt Violation : FCRA 611 ( a ) ( 1 ) ( A ) Credit furnishers are required to verify disputed information within 30 days. Target/TD has failed to provide proof of the account 's validity within this timeframe. 
Impact : Continued reporting of this unverified account has damaged my credit score and limited my financial opportunities. 
Failure to Ensure Accurate Reporting Violation : FCRA 607 ( b ) Obligation to maintain maximum possible accuracy. Target/TD has reported unverifiable information, violating this requirement. 
Impact : This inaccurate reporting has resulted in higher interest rates, denied credit applications, and financial hardship. 
Failure to Delete Unverified Information Violation : FCRA 611 ( a ) ( 5 ) ( A ) If disputed information can not be verified within 30 days, it must be deleted from the credit report. Target/TD has not removed this account despite failing to provide verification. 
Impact : The accounts continued presence on my credit report has caused undue financial and emotional distress.
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the XXXX I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
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 Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit card

In XX/XX/XXXX I was alerted by text message of a an unauthorized purchase on my credit card for {$3900.00}. I immediately called in the fraud to the bank as it was occurring. To my utter shock and surprise, I received a letter dated XX/XX/XXXX from the bank citing a merchant claims I received good and services. This is completely false, never made the purchase, never heard of the merchant, never received goods, products or services. 

On XX/XX/XXXX I visited the local bank branch in person. I met with a representative. He called the fraud dept and together we spoke with their fraud rep. They indicated there reopening the case. I outlined all of the investigation they ought to be doing to make this right. They admitted they did not do a complete investigation citing lack of resources to investigate every situation. 

I left that office on same day had local sheriffs dept at my home. I filed a report, they had actually body cam etc. I provided all of the documents to the sheriff. Then, I provided by email the police report #, to the local bank branch. 

On XX/XX/XXXX I received a letter from bank citing the same erroneous decision. Note : their letter was dated only 5 days after I visited the local branch. So, no addl investigation was ever done.
Product: Debt collection

I noticed an unknown account on my credit a few years ago, and since then have sent American Revenue XXXX notices, including my police report showing I 'm a victim of identity theft and they continue to ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting a late payment to XXXX for the month of XXXX. This is totally incorrect and should be updated immediately. My original dispute was to remove a late payment for this account in XX/XX/XXXX ( not XX/XX/XXXX ) which is currently being disputed by credit card company as well. This is effecting my credit score and I'm tired of going back/forth with these credit bureaus inaccurate reporting. I am attaching copies of XXXX and Transunion reporting along with my credit card statement clearly showing payment for XXXX. I HAVE NEVER BEEN LATE WITH THE CREDIT CARD. And, after speaking with the credit card company, they agreed as well -- never late -- and are currently disputing this item as well. However, the credit bureaus should delete late reporting immediately! 

As a consumer, my rights are being violated by these credit bureaus and they should be reprimanded for such acts. According to 15 U.S.C. Section 1681A - ... " unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the bank system. ''
Product: Checking or savings account

I receive a check from XXXX XXXX University for XXXX a stipend for school. I have always deposited my stipend checks into this account. I have never had a issue. I received a email stating that my deposit will be held 7 days due to the check may not cover withdrawals. This is offensive to me, I work hard and has made multiple deposits with Bank of America and has never falsified a check into my personal account or any account. I have a mortgage and a newborn to feed in order to keep a roof over our head. I will be closing out my account. This check was issued from Bank of America, so I dont understand why my check is being held 7 days. Per banking policy, Next Business Day Deposits Most banks say that they generally make funds available on the business day after you make a deposit, but there are exceptions. Cash deposits made to a bank employee must be made available within one business day ( business days are weekdays that are not holidays ), and those deposits are often available immediately. Certain types of checks must also be available in one business day:2 Official bank checks like cashiers checks Checks issued by the U.S. Treasury ( such as your tax refund or Social Security ) Checks for {$200.00} or less Checks drawn on the same bank that youre depositing to USPS money orders
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address listed on my credit report. The address in question, XXXX XXXX XXXX, XXXX, GA XXXX, is not accurate and should not be associated with my credit file. 

My correct address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX, where I have resided for over three years. I am concerned that the presence of an inaccurate address may negatively affect my credit report and could lead to issues with identity verification or inaccurate reporting.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 [ 15 U.S.C. 1681i ], I have the right to dispute incomplete or inaccurate information in my credit report. I request that you promptly investigate this matter and remove the incorrect address from my file.

To assist with your investigation, I am including the following documents : A copy of my government-issued Drivers License reflecting my current address A copy of my social security card I kindly request confirmation once this error has been corrected. Please notify me of the results of your investigation as outlined under FCRA Section 611 ( a ) ( 6 ). 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/2021 I returned a toy from XXXX which cost me {$81.00}, XXXX refuned to AFFIRM {$45.00}, therefore I only owed {$36.00}. XXXX  contact me months later to indicate I owed {$81.00}, which I disputed. I attach all the emails and the price I paid for the toy showing the refund from XXXX. Affirm refuses to remove the bad credit off my credit report, I only owe {$36.00} that I will be most happy to pay.
Product: Credit card or prepaid card

I went online to get a rental car in XXXX  on XXXX with XXXX . XXXX set it up with a rental company call XXXX  XXXX. I use my XXXX XXXX credit card and it was all set. I fly to XXXX  and when I get to the rental company, it is close. So now I have no way to get to where I'm going. I went to another rental car company that was open and rented a car.When I get back a month later XXXX XXXX mastercard say that this is what I was suppose to have charge.But XXXX is tell me that they didn't put this on my charge.But for the last 5 to 6 months I have been going around with Barclays Bank Delaware about this charge and they are trying to say things from there is no cancellation, and that the XXXX  XXXX  got paid for the rental without me signing anything. Can you help me get to the bottom of this with Barclays Bank Delaware c/o XXXX XXXX mastercard. I have try every thing from talking to XXXX and XXXX XXXX  and it still on my credit card.