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

On or about XXXX Wells Fargo Bank accused me of suspicion of check kiting and froze my checking account. A few years later I discovered the contents of my safe deposit box was sent to California 's unclaimed property department and auctioned off. I received a check for about {$3.00} representing the balance of the auction proceeds after WFB deducted several hundred dollars for drilling the box and shipping it to XXXX. I went to the branch of WFB that had my box. They told me that they didn't know how to contact me and subsequently declared my box abandoned. On or about XX/XX/XXXX I received a check from WFB for {$160.00} and a letter explaining that WFB had made an error when they accused me of check kiting. Receiving a letter from WFB twenty years later proved that they did know how to notify me back in XXXX. 
The {$160.00} was the balance in my checking account when they froze my account over twenty years earlier. I called them and said that this was insufficient compensation. They consequently sent me another check for {$500.00}. I have not chased either check. I told them I want to be compensated for the loss of the contents of my safe deposit box. It contained my father 's WWII war mementos, my childhood coin collection and other valuables. Although the statute of limitations my have eliminated a cause of action concerning my safe deposit box, I only discovered WFB had kept the balance of my checking account and did not apply this toward my box rental fees of {$8.00} a year per contract with WFB when they sent me the letter with a check. Therefore, I believe I have a cause of action with WFB based on this recent discovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the accounts be removed to correct the information. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$800.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}
Product: Credit reporting or other personal consumer reports

EQUIFAX is violating my federally protected consumer rights. EQUIFAX is reporting 1 inaccurate late payment for the XXXX XXXXXXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. 
I have previously made a claim revoking any permission granted for them to publicly furnish this private information. They continue to publicize this information which violates 12 CFR 1016.7. EQUIFAX never provided me an opt out form, and they continue to furnish this information even after I have opted out by revoking my consent for them to post this information through previous disputes. Furnishing this information is now also a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates. Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ). EQUIFAX is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information. Finally, in reference to my past claims on this matter, EQUIFAX did not conduct an Investigative Consumer Report in accordance with 15 USC 1681a ( e ). 
It is clear that EQUIFAX has violated many of my federally protected rights by furnishing this information on my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), EQUIFAX is liable to compensate me {$1000.00} per violation, totaling several XXXX dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
EQUIFAX must immediately CHANGE THE STATUS OF THIS ACCOUNT TO PAID AS AGREED
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransUnion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/XXXX sold and closed on our home at XXXX XXXX XXXX XXXX XXXX Ga XXXX. We put money in our escrow account every month to pay for taxes and insurance, and it has faithfully been paid by Amerihome Mortgage company. On XX/XX/XXXX XXXX sent an electric payment to XXXX County Tax Comissioner to pay for the taxes, and on the same day they stopped the payment. In XX/XX/XXXX we get a letter from Tax Commissioner saying if we dont pay the taxes for this property, they were putting a lien on it, that the taxes have not been paid and we are responsible, plus late fees And we had to pay a {$35.00} fee because Amerihome put a stop payment on their check. We have spoken to Amerihome 3 times now and they have mailed the check on XX/XX/XXXX and that they couldnt help that the mail havent delivered this check, it was now out of their hands. We have paid {$2200.00} to the Tax office and called Amerihome today asking where our check was and today the supervisor XXXX, said that we will not be reimbursed for the {$35.00} where they stopped the electronic payment, nor would we be reimbursed the {$43.00} late fees. We want our money back. XXXX from Amerihome badge number XXXX even told us we had been lied to that the check had never been mailed out, that she would expidite the check to us. That was on XX/XX/XXXX. Today XXXX the Supervisor said that she will stop the check and it will take 7 days to stop the XX/XX/XXXX check and then 7-15 more days after the first 7 days to stop it for it to get here. We are being lied to, it takes us 30 minutes to an hour to tell each person we are put on the phone with the story. We have changed our phone number with these people 3 times to the right number and yet when we call in and tell them the right number, they dont have our account under that number. I feel we should either get the {$35.00}, and the {$43.00} from Amerihome or Tax Commisioner. We were told by the tax commissioners office if we didnt pay this that they would ruin our credit for up to 7 years.
Product: Debt collection

I settled a debt in 2012 - the agency never reported it to the credit bureau and the debt was sold again - I have paperwork to prove I paid this debt. The new agency - is threatening me and asking when I 'll be home. I tried to call them today to send them the paperwork and they refused to talk to me. I have disputed the amount with the XXXX today. I want this to stop - I paid the dept.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX has not provided my extended warranty refund, even though it is already canceled. 
On XX/XX/2021. I signed the cancelation form to cancel extended warranty On XX/XX/XXXX, I opened a case with Chase ( my lien holder ) and they directed me to the dealership At the end of XXXX, I called the Finance department at the XXXX XXXX XXXX XXXX, and the person I spoke with told me that the hold up was on XXXX, which is the company that provided the extended warranty On XX/XX/XXXX, I called XXXX  and the agent told me that the warranty had been canceled since XX/XX/2021, and that they had refunded the money to the dealership On XX/XX/XXXX, I called the XXXX XXXX XXXX XXXX, requested to talk to someone in Finance and I waited 30 minutes on hold. No response. 
On XX/XX/XXXX, I called the XXXX XXXX XXXX XXXX, no response.
Product: Vehicle loan or lease

I believe this item is incorrect because I am the original creditor because every single debt obligation and every single credit extension is originated from my Social Security number. They act like their creditor when its me that is the original creditor. They are lying saying they created the loan. THEY ONLY did the paperwork they took my social security number and used it. And then put a lien against it and then took the lien which is evidence of interest and property and sold it on the stock market. This person is using my identity and saying that I owe them. I need Experian to send me the paperwork they was gaven validating that the info is correct. They are acting as THE ORIGINAL creditor when I am the creditor. 

31 U.S.code says. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.

B ) THE Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons.

( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title.

( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.

( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited. 

XXXX XXXX XXXX is double dipping into my strawman account.
Product: Checking or savings account

On XX/XX/XXXX, I opened a new checking account with XXXX XXXX, and entered the promotional code XXXX when submitting the application, in order to receive {$200.00} bonus as advertised ( the ad will be attached below ). 

The requirements to receive the {$200.00} bonus are, as quoted, " You must have an opening deposit of at least {$300.00}, and at least one direct deposit must post to your account within 60 days of account opening. Opening deposit can not be transferred from existing XXXX XXXX accounts. If you meet the stated requirements of this promotional offer, the {$200.00} bonus will be credited to your account within 6 weeks of the first direct deposit ''. 

When opening this new account, I did make an initial deposit of {$300.00} from a non- XXXX XXXX source ; and starting XX/XX/XXXX, I have {$100.00} of my paycheck directly deposited into this account on a biweekly basis. I believe I have met all the requirements, but as of XX/XX/XXXX, which is over 6 weeks after my first direct deposit, I still did not see the bonus credit posted. 

So I sent the bank a message for inquiry, and received their reply on XX/XX/XXXX. They denied that I have had a valid promotional code entered upon creation of the account. This is unacceptable so I decide to file this complaint.
Product: Credit reporting or other personal consumer reports

In Accordancewith the Fedral credit reportingact. 
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 namXXXX XXXX XXXX XXXX Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

This is the second account they continue to harrass me about. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I  demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed out Notarized letters to all three credit Bureaus and requested Experian, XXXX, and XXXX delete my child support accounts from my credit file as soon as possible. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 

According to the case law XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX judgments are not considered credit transactions, and it is illegal to report them on a credit report. 

based on case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions , IncXXXX, No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and caselaw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information systems , XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX  ), child support accounts are not credit transactions and they are judgements. 

These accounts are in violation of the FCRA laws of 15 USC 1681 ( a ) ( 2 ) that requires credit bureaus to maintain accurate and reliable records.

I requested theses violations be deleted immediately and a written confirmation within 30 days.

There responses was that those accounts belonged to me, again they are also in violation of 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. which I requested them to provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  2016 , I applied  for a Lowes Credit Card to finance the purchase of my kitchen remodel of approx. {$50000.00}. I was told that the remodel will take 2-3 weeks once the kitchen cabinets arrive. The remodel has been completed but it took 22 weeks!!!!! I went 8 weeks without a functioning kitchen. I have incurred out of pocket expenses due to this delay that was not of my during. I have repeatedly contacted Lowes Corporate Office indicating that the matter would be escalated until resolution. I still have yet to be contacted and/or reimbursed for my out of pocket expenses, plus any compensation for the inconvenience of the delays.
Product: Debt collection

I did not receive any information regarding owing the original creditor or collection agency. I receive so many Robo calls I'm unsure if at some point if that is how they attempted to contact me. I had XXXX in TN but paid upfront for the cost. I received notification that I was being sued by the collection agency in the state of XXXX where I reside. This particular collection is also not listed on my credit report so I did not know this was something I needed to handle. They are staring that I am accruing interest daily and I am struggling with inflation and XXXX kids already. Please assist on how I can handle this.
Product: Credit card

Hello A few months back in XX/XX/XXXX I began having some financial difficulties and I could not pay my Capital One credit card bill. I fell behind on payments but months later In XXXX of XXXX I was able to start and a financial plan to get back on track with monthly payments. I called XXXX  XX/XX/XXXX to see if I could get some help crediting me back some of those {$35.00} late fees that had been added for the missed payments. The representative told me she reviewed my account but there was nothing they could do. What I thought was unprofessional is that she then went on to tell me that the company understands these are tough times for everyone but to just try and make payments on time. As if I did not know that little piece of information. For a good while I had been up to date on payments and kept making my monthly minimums since its all I could make at the time.
Product: Credit reporting or other personal consumer reports

Inflicting another breach, they reported an adverse account in violation of 15 USC 1681C ( a ) ( 5 ), which clearly states that reporting agencies can not publish any adverse item of information without specific authorization. This includes items which predate the report by more than XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$6100.00}