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

On XX/XX/2023, I tried to take {$1000.00} out of TD Bank 's ATM where I had an account. It was around XXXXXXXX XXXX because the bank had just closed. Only {$800.00} came out, and it was after a long wait. The bank tellers would not help me because the bank had just closed, so I waited over 40 mins on the phone to make a complaint. They took my info, but never contacted me to discuss, and just sent me a denial letter that said the reason they denied was " We have determine that an error did not occur and the claim is denied. '' This letter was sent on XXXX XXXX, 2023, which was just the first business day after my complaint. They did not send me any evidence that they reviewed, and therefore just stole my money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 16811 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

- [ ] Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supportina documents are aispute with the utmost seriousness and compliance with legal standards. 
A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Checking or savings account

I have been with Wells Fargo bank before it was Wells Fargo bank since the age of XXXX. I am XXXX now. in my younger years I used to bounce a lot of checks yet they still kept my account going with no problems. In 2021 for the first time ever I gave money to a political cause, and that was to the recall effort of XXXX XXXX. shortly after that I received a letter from Wells Fargo stating they have reviewed my account and in 30 days it will be closing and there was no further action I could take and no reason given. I had been a model customer. The only change was donating to a political cause. I didnt complain then because I didnt know I could until I saw the Senate hearing on debanking in America, I am now putting my complaint in because I always believed my account was closed because I went against the political party in power and it is not right
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please delete this address and any account associated with this address. 

XXXX XXXX XXXX This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 XXXX XXXX  This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 inquries XXXX XXXX XX/XX/2021 This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file.
Product: Debt collection

I am reporting the illegal practice and false collection practices of XXXX XXXX. They have reported and refuse to remove two collections off my credit report. One was for {$93.00} reported XX/XX/XXXX and the other was for {$45.00} reported XX/XX/XXXX. Payment was made to the original medical facility, XXXX XXXX XXXX in full. XXXX, the billing manager for XXXX XXXX XXXX have sent many emails and phone calls to XXXX to stop the collections and false reporting and to have them cease and send back all collections under my name back to them. Till this day, those collections are still on my credit reports. I am still getting collection statements from them as recent as today XX/XX/XXXX with fraudulent amounts and illegal harassment. I do not owe any amount to XXXX and XXXX XXXX XXXX ( the original creditor ) have acknowledged this. I respectively ask that these erroneous charges be removed from my credit report and ask that they cease sending me fraudulent statements trying to collect on amount that i do not owe. I need this done ASAP, as XXXX XXXX is doing illegal collecting and reporting practices.
Product: Debt collection

ON XX/XX/2020, I noticed a debt for {$10000.00} on my credit report for an auto loan. 

After disputing the debt online due to not being given properly dispute information, or validation info XXXX. 

After the debt was still verified by XXXX and listed again on my credit report the next month, I made initial contact with the creditor on XX/XX/2020 requesting to have the debt validated. I had not received an written contact info about the debtor how to dispute it. 

I did not receive a debt validation rights letter at any point in writing after the initial contact from NCB Management on XX/XX/XXXX or XX/XX/2020. Today is XX/XX/2020. 

The creditor has continued collection efforts during this entire period without properly following the FDCPA guidelines and it has adversely affected my credit recently. After suffering multiple violations of my FDCPA rights, this debt needs to be removed immediately. 

All of our calls and interactions were recorded.
Product: Debt collection

On XX/XX/XXXX I received a letter from the IRS stating that because of {$14000.00} of debt canceled by Regional Acceptance ( auto loan ), I owed {$4100.00} due to the IRS by XX/XX/XXXX. As I never received notice of debt cancellation ( 1099-C ) about this loan account # XXXX from regional acceptance I began calling on XX/XX/XXXX to XXXX ( option XXXX ). 

As of today XXXX, I have called and left messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX with my account number and call back #. There has been no response from the company nor can I speak to a live representative I only receive a voicemail option when I called XXXX option XXXX. 

My concerns are that : a ) I never received debt cancellation notice. This debt was a joint loan with my ex husband from 2017 in which I was not fully responsible for as we both signed. 
b ) This company makes it impossible to speak with someone to resolve issues. 
c ) This is affecting my livelihood as the IRS has sent a letter stating that because of this I owe {$4100.00}. 
d ) I can not dispute this with the IRS because I can never get in contact with anyone at Regional Acceptance. 

This feels like fraud and it's company abuse.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to report fraudulent charges on my checking account. I went into one of TCF 's branches to report 4 fraudulent charges that had been made by the same company. I declined receiving a new debit card as I intended to close the account after reporting the fraudulent charges. I was informed by the manager that if I chose to close the account, it would void any fraud report and I would not be able to recuperate lost money.

Upon hearing this, I asked to speak with the branch manager. She repeated this same information. I asked for a corporate contact number. The branch manager refused to give me any contact  information for anyone beyond that internal branch. 

I have since called into TCF 's customer service line. I have repeatedly been told I would receive a callback within 24 hours of the call. I have yet to receive a call back 10 days later. I have repeatedly asked their customer service contact people for a corporate contact number. As of this filing, I have made this request verbally 176 times. I have been denied all 176 times.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Equifax XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$840.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} Late/Open
Product: Credit card or prepaid card

On XX/XX/2018 American Express closed my accounts ending in XXXX. 


They gave me no warning and i had never missed any payments. I tried to make 1 purchase and they closed everything. I would like to have my cards reopened and done so amicably.
Product: Mortgage

I am trying to remove the insurance I pay for the lender on my home loan. 
Wells Fargo will not let me get a new appraisal on the house. 
The only one they will consider is the appraisal from the date of closing. 
I have had this loan for 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested my XXXX Credit Report. Included in the Credit report, I discovered that two of my oldest CAPITAL ONE credit cards were not being reported on the report. These two accounts are almost XXXX XXXX XXXX and pay a huge role on my CREDIT SCORES. Both other Credit Bureaus, XXXX and XXXX were being reported correctly with all FOUR of my CAPITAL ONE accounts. Multiple attempts to add the other two CAPITAL ONE accounts to my XXXX report have failed miserably. I contacted XXXX by phone on several occasions, and was instructed to contact CAPITAL ONE directly to correct the matter. I wrote a certified return receipt letter to CAPITAL ONE explaning the situation, hoping that an easy fix would resolve the matter. CAPITAL ONE wrote back to me notifying that they have been reporting the FOUR accounts to XXXX, and could not explain why i was have this issue correcting it with XXXX. I asked CAPITAL ONE to provide me the documentation that they claim they made to XXXX, asking them to resove, so i could forward to XXXX. They did provide me documents to send to XXXX, I then sent another certified return receipt letter to XXXX with CAPITAL ONE 's documentation, so that they could fix my XXXX credit file adding the other TWO missing accounts to my file. INCREDIBLY, but not unexpected, XXXX said they could not correct the situation ONCE AGAIN SENT ME BACK TO CAPITAL ONE to resolve. THIS IS CRAZY! and should not be happening to consumers fighting to correct their deserved Credit Reports. I have exhausted all efforts to de the right thing, and I ask that you please get involved. I need your help, and I know this is what you specialize in to help consumers. Recapping the situation and my request to resolve this matter, I am asking that you make contact with XXXX if you can, because its impossible to speak to UNITED STATES OF AMERICA representative in customer service, Its located and calls are directed to the XXXX. I ask that you please help me have the two missing CAPITAL ONE accounts ending in XXXX and XXXX ADDED correctly to my 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of below accounts 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, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am currently working with legal group to settle my debt. The credit company was continuously calling me and bring aggressive/threatening. I asked the credit company to only communicate with me through written means. They refused to communicate this way and continued to call very frequently.
Product: Student loan

First I was decieved by the school I attended. When applying for the loans I was told that I could consolidate them, and take co signer off. I was told that the interest wouldn't vary much. I have been paying the loans to close to 20 years and the principal seems to never go down. As I continue to pay the priciple balance the company continues to raise the interest rates. They were no more than 4 % when I started and now they are up to 10 %. I have 10 years left on them and have paid {$85000.00} on a {$64000.00} and was given an estimate of {$120000.00} when finished. I've never missed a payment and never have been late. When I went to prison the cosigner asked for alternative to pay and they told her the only thing she could do was defer them. This company " Navient '' has been taken to court over the deceptive and predatory loan practices. They even settled a case back in XXXXXXXX XXXX XXXX which I don't qualify due to the fact that I haven't defaulted even though my school is on the list that does qualify me. I've tried talking to them about alternatives and removing the co signer but all I get is that it's not possible because they are private loans. Currently there is still a case against them by CGPB and I hope my complaint can help your cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Financial reasons as a single mother Ive had to file for chapter XXXX bankruptcy in XXXX and then again in XXXX. XXXX, Experian and XXXX all still currently have the bankruptcy from XXXX, all of my old addresses, old judgements and old inquiries still listed on my credit report even with me asking them to properly update this old information. I will never be able to move on to repair my credit with old lingering accounts post Chapter XXXX.
Product: Credit reporting or other personal consumer reports

In response to the recent investigation, I am submitting my disagreement with your findings and requesting complete accuracy. I am not satisfied that adequate measures were taken to contact the creditor responsible for reporting the information in question on my report. Consequently, I am now requesting further information regarding the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As previously stated under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I urge you to reinvestigate and update this disputed account. Please provide me with the names and addresses of the individuals contacted. You are allotted fifteen ( 15 ) days from the receipt of this letter, as stipulated by 15 U.S.C. Section 1681i ( 5 ) ( A ), to complete these actions unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the items must be promptly updated in accordance with Section 1681i ( a ). Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please inform me once the account has been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a communication was sent out to XXXX, XXXX  and Experian for identity theft after a report was filed with the Federal Trade Commission on XX/XX/2020. The communication indicated these reporting agencies to block/remove all fraudulent information appearing on my consumer report for debts I did not owe and accounts that were created through identity theft. Said credit reporting agencies have failed to completely remove the fraudulent accounts from my consumer file. This is defamation of character and a violation of my consumer rights. 

Article I Section 10 of the constitution for the united States of America states, " No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. '' Per Title 12 Sub Section 411 of the United States Code, Federal reserve notes, to be issued at the discretion of the Board of Governors of Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal reserve bank. 
Any note constituting a " promise to pay '' is not legitimate. Due to House Joint Resolution 192, Set Off and equitable relief are asserted.
Product: Credit reporting or other personal consumer reports

TransUnion is notorious for not processing disputes. I spoke to XXXX XXXX a supervisor at TransUnion around XXXX XXXX XXXX  on XX/XX/2024 She refused to process my letters and or do a investigation pertaining to my case. 

I identify myself as XXXX XXXX XXXX XXXX the XXXX who send in my disputes again she refused to process it because she believed it was a credit repair company providing aid. 

This is against the law to deny me of a investigation. 


See documents below
Product: Debt collection

I was illegally served an unlawful detainer for an apartment I was leasing a couple of years ago. When it came time to go to court and I had proof of the illegal service, the company decided that it was best to settle. We then agreed that I would have XXXX balance and my debt would be erased without prejudice. About 6 months after moving out, I received a call from a collection agency. I reached out to the original creditor and asked them what was going on, their response was " No you still have to pay! '' I then disputed the charges as I was obviously not responsible for the bill as agreed in a superior court. 

Fast forward, I have received additional calls and hardships and when I contact the original debtor now, they have been bought out by another company. Even after presenting evidence to the collection agency the lady said " I've seen times where it doesn't matter that you have a judgment in your favor. You still have to pay! '' How can a creditor blatantly ignore a court of law? This has caused me to miss career opportunities, housing opportunities, and it's even caused an unnecessary burden on my relationship.
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX account on XX/XX/year> that I did not authorize.
Product: Mortgage

bank of america fraudulent practices and lies are back again.after they change the original contract, they have change it to their own benefits. in XXXX the sent mea new payment much much higher than I can afford they gave me now my home insurance its cheaper it went from {$1100.00} to {$97000.00} my tax for this year and my tax for this year I will be {$1000.00} as you see they still keep making my mortgage payment higher, even my principal is higher. they gave me a loan modification knowing about my XXXX but they are taken advantage of my situation,
Product: Credit card or prepaid card

Citibank has not been protecting my account for a year now. XXXX XXXX has fraudulently overcharged my card an kept deposits that Citibank knew about the whole time, I tried to dispute an Citibank took my money instead an made me pay back the continuous overcharges XXXX  kept doing. XXXX is somehow connected to Citibank an keep charging my card an causing issues with my account that Citibank fails to do anything about. I paid my {$720.00} on my account and Citibank took my {$720.00} an dropped my credit limit to {$300.00} as a penalty an stated I have not made payments in time when my account with Citibank always has been in good standing I have always made my payments on time I have 20 payments made in time before XXXX  fraudulently started charging my card. After me paying someone is still charging my card while my card is locked an Citibank is trying to make me pay on my account after I paid {$720.00} to my account. The customer service representatives are rude an always yelling in the phone m, because Im concerned as to what is going on with my account. XXXX XXXX  keeps attacking me by attacking my account an harassing me. I feel like my credit limit was never dropped an someone is charging my card an Citibank has possibly certain employees who are fraudulently causing these acts to my account for XXXX XXXX.