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

I opened a business account the beginning of XX/XX/year>. 
XXXX weeks ago i deposited a check of {$50000.00} and they wanted to verify the check. I assisted them with that. On XX/XX/XXXX, I wanted to receive a couple of wire transfers totallying {$110000.00}, however the transfers were rejected because the account was locked. 
I called chase, however they couldn't assist me. I went down to the XXXX XXXX, where I initially opened the business account and met with the banker who helped me open the account, he couldn't figure it out. Then they saw that they couldn't verify that I was the account holder. So the banker opened a new account, verified my identity with the state papers, as the account holder and transferred the money to the new account. The banker was very helpful and assured that he will make sure everything goes right. 
The next morning, XX/XX/XXXX at XXXX XXXX, the banker called the customer service to ensure that everything was alright and they confirmed that all was ok. 
However, at XXXX XXXX  the new transfers were rejected once again for the same reason, that they couldn't verify my identity. 
They said they will close my account and issue a check refund within XXXX business days. However, time is off essence and I can lose the deal, for the lack of funds being help up. 
Kindly assist so I can get the money released faster. 
Thank you
Product: Credit reporting or other personal consumer reports

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i am a victim of identity theft, i am asking that the company provides me with a wet ink signature to validate these items. if that cant be provided i am asking to have these unauthorized accounts removed immediately.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against XXXX, Experian, and XXXX for Negligence and Non-compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally complain against the three major credit reporting agencies : XXXX, Experian, and XXXX, concerning their continuous failure to rectify fraudulent information on my credit reports stemming from identity theft. This ongoing issue has severely impacted my life and financial standing, and I feel compelled to seek intervention from your esteemed agency. 

Despite multiple attempts to resolve this issue, including providing necessary documentation and following the stipulated procedures, the aforementioned credit bureaus have not only failed to correct the inaccuracies but also have not provided any substantive feedback or documentation from the data furnishers who allegedly supplied this erroneous information. The lack of transparency and cooperation from these bureaus has left me in a precarious financial position, unable to move forward in various aspects of my life, such as securing loans and accessing favorable credit terms. 

It has been over a year since I first reported this issue, and the last communication regarding this matter has exceeded the 60-day resolution period as mandated by federal law, specifically under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, these agencies are required to conduct a " reasonable '' investigation within 30 days upon receiving a notice of dispute from a consumer and to correct or delete any inaccurate, incomplete, or unverifiable information. Their failure to comply demonstrates not only negligence but also an unethical disregard for consumer rights and protections. 

Furthermore, the lack of compliance by XXXX, Experian, and XXXX with these legal requirements has caused significant emotional and financial distress. This negligence contravenes the Consumer Financial Protection Bureaus mandate to ensure fair, transparent, and respectful treatment of consumers by financial entities. 

I am urging the Consumer Financial Protection Bureau to take immediate action against these agencies to enforce compliance with the FCRA. Additionally, I request a thorough investigation into their processes and a mandate for corrective action to amend my credit files and remove all fraudulent entries without further delay. 

Attached are copies of all previous correspondences with the credit bureaus, as well as a timeline of the events and attempts made to rectify my credit report. 

I appreciate your attention to this critical matter and look forward to your prompt response and resolution. 

Thank you for upholding the rights of consumers like myself. 

Sincerely, XXXX XXXX
Product: Credit reporting

I am writing to file a Complaint that the following information that Experian XXXX and XXXX have on my credit report1 ) XXXX has re added this account back to my credit report XXXX XXXX XXXX XXXX XXXX, XXXX Showing that it was past due for 30 Days only once back in XX/XX/XXXX and no payment history after that - this account is showing as a positive account on my Experian and XXXX account -- I HAVE TALKED TO XXXX ON GETTING THIS DELETED AND RESOLVED IN THE PAST AND IT WAS DELETED ANDKNOW IS BACK AGAIN ON MY XXXX REPORT ONLY ... 
2 ) XXXX Experian XXXX XXXX Credit Card charge off account - settled in fullBack in XX/XX/XXXX during the purchasing of my house there was a Charge off Account on my credit report from XXXX XXXX Account Ending in XXXX that was settledMy Broker from XXXX XXXX / XXXX XXXX and me XXXX XXXX - to see whether it was settle or not- we did - and they even got a hold of XXXX XXXX - and they ( XXXX XXXX ) stated that I had satisfied the debt - XXXX representative stated that he would consider making a goodwill adjustment to the credit reporting bureaus on our closed accounts and agreed to have this charge of deleted of my Credit Report as well as inform the other XXXX major Credit REPORTING AGENCIES TO REMOVED THIS CHARGE OFF - XXXX -Did there part however is still showing on my Credit report from XXXX and Experian3 ) XXXX XXXX Experian I 'm distressed that the XXXX major Credit burrow have included the below information in my credit profile as derogatoryXXXX XXXX XXXX XXXX -This item is inaccurate because for one me and my Brother went to XXXX XXXX back and opened an account WITH THE BANK So that the mortgage payment can be taken out automatically. They never send me out monthly statements - and when I received the phone call that the Payment was missed I advised the representative about my auto pay - she said she dint know what had happened and assured me that this was not going to affect my credit. I dont understand why there is a derogatory mark again for XXXX of XXXX on my Experian, XXXX ... but nothing on my XXXX -- - I 'm beyond XXXX ) XXXX - XXXX Experian -XXXX XXXX Card ending in XXXX When I pulled my credit report, and discovered that a late payment was reported on XXXX And XXXX of XXXX that time, I Was going through a financial Hardship - I had spoken to XXXX XXXX -- and they placed me on hardship plan - I was advised that this was not going to affect my credit report - which it did - they advised me to contact and dispute the information with the XXXX major Credit Burrows XXXX Witch I Did -I realize I made a mistake in falling behind, but up until that point, my payment history with them had been spotless. When I was able to get back on my feet, I quickly resumed paying my Bills and you can see that - let me reinstate - XXXX XXXX Assured me that this was not going to affect my credit.
Product: Checking or savings account

I opened a Simply Right checking account under promotion to receive {$150.00} after direct depositing {$1000.00}. I opened the account on XX/XX/2017 and have had {$1000.00} direct deposited every month for the last 5 months. I have called Santander multiple times, usually being transferred from department to department, spending hours at a time without any resolution. I am very frustrated they are not holding to their terms and with the way they are treating their customers.
Product: Credit reporting or other personal consumer reports

My rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws were violated in multiple ways that require immediate attention and correction : Willful Noncompliance : Under FCRA Section 616 ( 15 U.S.C. 1681n ), you accepted inaccurate credit information about me without verifying its accuracy. This deliberate disregard for accuracy has negatively impacted my credit, and each violation carries a potential civil liability of up to {$1000.00}. 

Failure to Disclose Opt-Out Rights : As outlined in FCRA Section 603 ( d ) ( 2 ) ( A ) ( 15 U.S.C. 1681a ), you failed to inform me of my right to opt out of sharing my personal information, which is both deceptive and a violation of my rights as a consumer. 

Inaccurate and Deceptive Reporting : You reported inaccurate inquiries, accounts, and debts on my credit report without proper validation, violating FCRA Section 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ). These deceptive practices have further compromised the accuracy of my report. 

Unfair Debt Collection Practices : Debt collectors contacted me about alleged debts without my consent and engaged in unfair practices, violating the Fair Debt Collection Practices Act ( FDCPA ). This has caused unnecessary distress and harm. 

Improper Disclosure of Information : My personal information was disclosed to unauthorized third parties, violating 15 U.S.C. 1692b, which prohibits such actions when seeking location information. 

Misrepresentation of Late Payments : Late payments were reported on my credit report without clear definitions or supporting evidence. This violates FCRA Section 623 ( a ) ( 1 ), which requires accurate and reliable reporting. 

Incorrect Finance Charge Calculations : Finance charges on my accounts were inaccurately determined, failing to comply with the accuracy requirements outlined in 15 U.S.C. 1681e ( b ).

Unauthorized Hard Inquiries : Multiple hard inquiries were made on my credit report without my written consent, in direct violation of FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ), which outlines permissible purposes for accessing credit reports. 

These violations have severely impacted my credit report and caused me undue stress. I am demanding immediate corrective action, including the removal of unauthorized entries, validation of debts, and full compliance with the law. If this matter is not resolved promptly, I will take legal action to protect my rights under the FCRA and other relevant laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute the presence of fraudulent accounts on my credit report, which have persisted despite previous requests and confirmed documentation of identity theft. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX. 

I request an immediate investigation into these accounts and their removal from my credit report in accordance with legal requirements. Your prompt action in resolving this matter is appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/year>. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX XXXX XXXX  XXXX : XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


This is unacceptable! REMOVE THIS ASAP!
Product: Credit card

Synchrony Bank has a XXXX fee if you want do not want paper statement will they waive the fee if you sign up online Not everyone has a computer or has access to use a cell phone. In my case has several cards with synchrony bank figure out they will get over XXXX a year from me in this fee
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i apply for a new credit card and was approved and they send it via mail during the course the card was stolen and i received a billing stating congratulations for activating your new card and was used at a XXXX store in XXXX NJ some 10 miles away from my home, so icall the comapny to report i never received the card but it was activated and used the representative made notes and said they will cancel the card and will issue me a new one in which i did reveiced 10 days later. Now they still attaching that {$400.00} dollars used from the stolen credit card. I have spoken and e-mail the company since last year to no results. I am not going to pay for merchandise i nerver bought or a credit card that i have not received.
Product: Money transfer, virtual currency, or money service

Through my chase moblie app, Someone who I do not know requested money from me. I accidentally hit accept. I called my bank to file a claim and told them it was fraud/scam. They told me that there wasn't much that they could do. I tried contacting the person who I sent it to and no response.
Product: Credit reporting or other personal consumer reports

IT'S very simple. I asked Transunion ON XXXX XXXX XXXX for the METHOD OF VERIFICATION ( SECTION 611 ( a ) ( 7 ). FOR ACCOUNTS ( XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXXXXXX XXXX  XXXX ) how was the investigation done. Which human being from Transunion actually talked to another human being at the data furnishers office to make sure that the data has no errors, what time was the call initiated how long was the call, was the address checked? the phone numbers on file checked, where the contracts signed, dated by me? what type METHOD OF VERIFICATION WAS DONE? TILL THIS DAY TRANSUNION CAN NOT SUPPLY NOR FURNISH AN ACTUAL DOCUMENT WITH ACTUAL DECLARATIONS BY ANY ONE, OTHER THAN A GENERIC STALL TACTIC LETTER WITH NO INFORMATION THAT CAN BE USED LEGALLY IN A COURT OF LAW. TRANSUNION WILLFULLY WILLINGLY CONTINUES TO RUN A FOUL OF THE FAIR CREDIT REPORTING ACT ( FCRA ) BY IGNORING SECTION 611.. CFPB I WOULD LIKE THIS RESOLVED WITH TRANSUNION.
Product: Debt collection

I would like to file a complaint against AFNI , Inc. for violating my rights listed in Fair Debt Collection Practices Act, 15 USC 1692g. I received a letter from AFNI on XX/XX/2018 that was dated for XX/XX/2018 regarding a debt with XXXX XXXX XXXX XXXX. I sent a dispute in response to this letter ; via certified mail, on XX/XX/2018. The letter was received and signed for on XX/XX/2018, by a XXXX XXXX. In my letter I disputed the debt, requested validation of the debt from their company, based on my rights, in reference to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The debt is still showing on all three credit reports, and they have also stated the debt is valid in a dispute I made with XXXX  on XX/XX/2018 after sending the request for validation. I sent all correspondence between AFNI, Inc. and I to XXXX, regarding this debt. Even though AFNI, Inc. had not provided me any information regarding the debt in question, AFNI, Inc. responded to XXXX  that the debt was valid. 
I still had not received a response and the collection was still showing on my credit report on XX/XX/2018 so, I sent them another letter ; via certified mail, requesting removal of this debt from all collection agencies. This debt has not been removed from any of my three credit reports ; therefore, I would like to file a complaint against AFNI , Inc., for violating the Fair Debt Collection Practices Act, 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

I am an XXXX XXXX Customer. My score should be reported daily from XXXX with credit monitoring but only seems to decrease drastically when approaching XXXX ( XXXX point decrease instantly in the beginning of XX/XX/2023 ) and my Equifax and XXXX scores are not being reported, most recent were from XX/XX/2023. Also my score range across bureaus is close over XXXX, so although I have not seen recent fraud, the reporting seems inaccurate.
Product: Debt collection

Because of their terrible services, I cancelled XXXX cable/internet services on XXXX/2014. I paid it off and turned to XXXX ever since. It 's been about three years that they keep harassing me by sending me a bill of {$120.00} which I DO N'T OWE. I have provided them the evidence and documents according to which I do n't owe them a penny, but they keep sending the same bill via a collecting company. This has impacted my credit score and I want to buy a home. Please help me get rid of them.
Product: Checking or savings account

I deposited a check that was signed over to me and had the amount in my account to cover what was immediately available and by the time the full amount was available would also have that to cover. Apparently they didn't like the way the check looked however when I went inside the branch AFTER THEM FREEZING MY ACCOUNT and giving me no access to even my own personal funds the banker said there didn't seem to be anything wrong with the check and doesn't understand. So for weeks my money was held up with no explanation nor would they tell me any of my options if any at all amd due to this I have become behind and charged late fees, behind in rent, insurance, utilities etc. Not to mention no gas money for work or to get materials. Then when all said and done they took the check and then canceled me from the bank completely!! I have spoken to many people who bank with this bank and never in this very situation had their OWN money frozen it's not right and caused a lot of confusion and unnecessary issues.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 10 business days days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am refiling this complaint another time to KIA FINANCE AMERICA for allowing the fraudulent account and for not correcting this on my credit report. I filed an FTC report for this another complaint, with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I they will correct this erroneous account and to provide accurate credit reports. 

This account had multiple inaccurate information on my credit report the payment history, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the following information reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. 
Inquiries : 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