23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding the multiple attempts made to rectify the issue of a late open account at your esteemed institution. I would like to express my disappointment with the handling of this matter, and I believe it is imperative to address it formally. 

I initiated the process of opening an account with your bank. Unfortunately, due to circumstances beyond my control, there was a delay in completing the necessary documentation, resulting in the account being opened later than anticipated. 

I contacted them to explain the situation and inquire about the necessary steps to rectify the delay. The representative assured me that the matter would be promptly addressed, and I was given a timeline for the resolution. 

To my dismay, despite the assurances provided, the issue persisted, and I found it necessary to contact your customer service department to follow up on the status of the correction. Regrettably, each time I contacted your institution, I received conflicting information, and the matter was not resolved within the promised timeframe. 

This continuous inconvenience has caused me considerable frustration and has raised questions about the efficiency and reliability of your institution 's customer service and account management processes. As a customer, I believe that timely and accurate resolution of issues is fundamental to maintaining a positive relationship with a financial institution. 

I request that you investigate this matter thoroughly to understand the root cause of the delays and provide a detailed explanation of the steps taken to prevent such occurrences in the future. Additionally, I expect a formal apology for the inconvenience caused and a clear outline of the measures that will be implemented to rectify this situation promptly. 

I appreciate your immediate attention to this matter and expect a comprehensive response within the exact timeframe of receiving this letter. Failure to address this concern adequately may compel me to escalate this issue to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Auto Finance is reporting an acct that is not mines in my credit report. It belongs to a family member with a similar name. Please correct and remove from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunions Union started reporting XXXX XXXX XXXX on my credit report after the company deleted it off my credit report
Product: Credit reporting or other personal consumer reports

The apartment I was renting from, tried to sue me. We went to court, the judge listened to testimony and reviewed evidence. The judge ruled in my favor that I do not owe this company any money. That company then sent it to the credit agency, after I won the law suit. I made a dispute to collections agency, as well as through XXXX and XXXX. The credit agency asked me to send proof. I mailed them a copy of the judges ruling. They refuse to remove the debt from my credit report. Instead of removing it from my report, they have tried to reduce the amount and convince me to still pay it. I provided them with a copy of the court memo, showing the ruling. I also filed a complaint with the Missouri Attorney General 's Office. They company has refused to respond to the Attorney General. When I submitted the court memo to the credit agency told me she would not accept it because it was hand written, I explained that the reason it is hand written is because the court clerk has hands. I then sent in screenshot from the Missouri Courts Judicial Branch of Governments, and I expressed the judge 's decision was public record. They then sent me a letter saying I still have not provided them with sufficient evidence. I also sent them a copy of the court petition, outlying what the company was suing me for along with highlights of the amounts, all of which the judge ruled in my favor, and agreed I did not owe. 

I also informed them that the apartment complex sent them my information, AFTER we had already gone to court.
Product: Checking or savings account

From late XXXX of XXXX until late XXXX of XXXX I was charged by the company XXXX for purchases that I did not make totaling over XXXX XXXX On XX/XX/XXXX I was charged XXXX, on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX, on XXXX XXXX, on XXXX XXXX, on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX and XXXX and XXXX, on XX/XX/XXXX XXXX. I contacted XXXX and they were able to refund only a a few dollars saying that I reported it too late. I contacted my bank, Bank of America, and they were also able to only refund a few dollars, saying that the majority of the money could not be refunded because it was reported too late. I travel for work and go backpacking a lot so I was not able to do a complete audit of my bank account spendings until I was done traveling, so I did not notice the fraudulent expenses until a few months after. At the time of the charges from XXXX I had been backpacking the XXXX XXXX and was not in a place where I could be constantly checking my bank 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 : Account Number:XXXX Account Name : XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account Number : XXXX 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  XXXX Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account NameXXXX XXXX XXXX XXXX Account Number:XXXX Account Name XXXX UNKNOWN : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 or prepaid card

We booked a trip through XXXX which was cancelled do to the pandemic. We have an email of cancellation. We never received refund and after repeated calls were told by XXXX verbally, that any trip plan that was cancelled will receive credit to use toward another trip when XXXX border re-opens ( as we were flying out of XXXX ). When the XXXX border finally opened, a few weeks ago our credit was already expired. I contacted XXXX  and American Express which we used to purchase trip, and have been given the run around. Please help, Thank you.
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 Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  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 XXXX Account Number:XXXX  has violated my rights. Or a 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: Mortgage

2 years ago I went into a payment program when the house was going into foreclosure. I was not able to get the final payment in and was 3 days late they would not accept it till you called. It almost went into foreclosure again last winter but was able to pull out of it. They never disclosed to me there would be evaluation fees involved so two years later I receive a bill for {$470.00}. This is clear extortion of the customer and they will not waive the fees they never told me about. This bank has a history of this behavior and it needs to stop. We are current on this account and for the first time in a long time we are financially sound but can not afford for the bank to continually charging fees that we were never told about. This financial institution needs to be fine heavily and continuously and this will stop. please contact me for further details at XXXX. I want these fees waived and they need to be held accountable because this is more than ridiculous.
Product: Credit reporting or other personal consumer reports

XXXX monitors illegal internet sites on the dark web and notifies me if a match to my personal information is detected. Unfortunately, my Social Security number ( SSN ) has been found on the dark web. 

It may not mean I was a victim of identity theft. However, identity thieves can use my SSN in a variety of ways including to apply for credit in my name, file a fake tax return or obtain medical care. It can also be used to steal Social Security or unemployment benefits or provided to law enforcement in connection with a crime. 
Additional Info Details First Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B. : D.O.B. FOUND Found WithSOCIAL SECURITY NUMBER. I have contacted XXXX  fraud department and was made aware of the 5 numbers listed under my name, none of which I have had direct access to only one was active. 

XXXX XXXX fraud department these are not active but were in the past. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear UPSTAXXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Pennsylvanias identity theft and consumer protection laws.

It has unequivocally come to my attention that UPSTAXXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, Pennsylvanias laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft Statute ( 18 Pa. Cons. Stat. 4120 ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for UPSTA/XXXX  to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that UPSTA/XXXX  immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvanias relevant identity theft and consumer protection statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Pennsylvanias identity theft laws.

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that UPSTA/XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

For the past year I have been getting calls as well as family members regarding a loan I never took out.i asked for proof and paperwork to be sent to me on several occasions and still nothing.they keep calling me and family members asked them to stop still continue.XXXX XXXX from greystone and associates leaves message as if he is law office but does not send info.need this to stop.the have nothing when u search them online but complaints of false claims
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not properly updating credit reports for their XXXX XXXX. I have been trying to have my report updated but have not been assisted by XXXX XXXX at all. My Transunion report shows a {$630.00} balance and {$3000.00} credit limit last reported on XX/XX/XXXX ( see attached ). It should show a {$0.00} balance and a {$4500.00} credit limit, Ive attached both my XXXX and XXXX statements to show I payed my balance prior to the statement being issued and bother have a {$0.00} balance. Also heir representatives are clearly not trained to understand reporting either. The first representative I spoke with there told me that I simply needed to wait longer - even though my statement had cycled and it should have been reported already. The second employee I spoke with ID # XXXX just stated she would submit a dispute with Transunion, which makes no sense because they are the reporter and as such would just report correctly, not dispute their own information. All she could offer after was to note they needed to do a better job reporting, to whom this note would go is unknown as again, they are the reporters ( see attached ). This is unacceptable. It is now XX/XX/XXXX and I've had to enter my second dispute with Transunion ( who botched the first dispute ) to get this updated as it is still wrong, previously I had to file a complaint with XXXX for a similar issue. XXXX XXXX needs to be updating with the credit bureaus every 30 days. By not regularly updating credit reports, it harms the credit of borrowers who have paid off balances and/or had credit limits increased.
Product: Bank account or service

I opened personal & business accounts with PNC Bank for over 6 years without any problems or issues. I have recently revived a letter from the bank which informed me that my XXXX personal & business account will be closed on XXXX XXXX. 2015 without any explanation to given any reason. Therefore I contacted the bank 's Underwriting department over the phone, and asked them for the reason, but they failed to give me any information about the reason for accounts closure. I decided to stop by my local branch and I asked them to give me the reason, they too did not give me the reason and they claimed that they could not disclose such information. As a legitimate customer / consumer I do feel that I have a full right to know what did I do wrong to be dropped out from PNC Banking services, therefore I 'm requesting your authority to help me find the reason so I could understand it and to keep for my own references. 
Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

There are unauthorized and fraudulent information currently appearing on my EXPERIAN credit report. As a victim of identity theft and The NPDData breach and The XXXX XXXX in which my personal information has been compromised, leading to several fraudulent accounts and inquiries including XXXX critical findings tied to my identity within the breach. I am requesting an immediate investigation of these items in accordance with the Fair Credit Repofting Act ( FCRA ). This breach resulted in the misuse of my information, including the creation of fraudulent accounts and inquiries on my credit report. I am attaching the necessary supporting documents, including my FTC Identity Theft Report and the notification letter for the breach. Also, I am also asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, as well as my right to privacy under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ).

I have reason to believe my credit file has been subject to improper investigations or reporting practices, leading to the inaccurate reporting of my information. Additionally, I am concerned that Experians handling of my credit file may violate my privacy rights as guaranteed under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report. I have reason to believe based on my disputes with Experian they did not use reasonable procedures to assure maximum possible accuracy of my information per USC 1681e ( b ). Also, please update my name, and remove all alias names. Driver 's license attached. Please update my address, utility bill is also attached.
Product: Checking or savings account

Background : On XX/XX/year>, Chase Bank began holding funds in my account due to a need for verification of the makers of certain checks deposited into the account in the amount of {$53000.00}. Despite my efforts, the verification process has been only partially successful. 

Chase Bank closed the account in XX/XX/year>. 

Verification Status : Out of 12 check makers, I successfully verified 10 ( approximately 83 % ).

However, two check makers remain unverified for the following reasons : One check maker has moved out of the United States, and I have been unable to locate them. 

The other check maker is currently in a XXXX XXXX  and unable to complete the verification process. Chase Bank has stated that they can not accept information or contact numbers outside of what is already in their system. 

Chase Banks Position : Chase has indicated that, unless all check makers are verified, the funds will not be released. 

Alternatively, they have stated that after approximately two years, the unclaimed funds will be transferred to the states unclaimed property division, and I will need to reclaim them through the state. 
Efforts to Resolve the Issue : I have made significant efforts to verify the remaining two check makers, including attempts to contact them through various channels. However, due to their current circumstances, these attempts have been unsuccessful. 

I have documented the verification of the other 10 check makers and can provide this documentation upon request. 

Request for Legal Assistance : I am requesting your guidance on how to proceed with Chase Bank to resolve this matter without further delay. 

Specifically, I would like to explore whether there are legal grounds to challenge Chases refusal to release the funds, given that a significant majority of the check makers have been verified and reasonable efforts have been made to verify the remaining two. 

Additionally, I seek advice on the process of reclaiming the funds if they are transferred to the state and whether Chase Banks actions are compliant with applicable laws. 

Please let me know what documentation or information you require to assist in this matter. I am happy to provide all relevant records, including correspondence with Chase Bank, proof of verification efforts, and any other supporting materials. 

Thank you for your time and attention to this matter. I look forward to your advice on the best course of action. 

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

XXXX XXXX XXXX XXXX is erroneously reporting a credit card account with a delinquent balance of {$4700.00}, XXXX shows another balance of {$7000.00} on the same trade line. account closed XX/XX/2017. I have disputed this numerous times to no avail. it keeps getting confirmed with no explanation. If the account was closed in XXXX  it should already have dropped off of all 3 CRA 's. I do not recognize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

When equifax breach I was one of the people that all my information was breached and was part of the suit for equifax to recieve compensation because all my information was stolen it took me weeks contacting everyone and calling and paperwork I told yes I would be paid by equifax .NO NOW I AM TOLD THAT THEY ARE KEEPING MY MONEY, SO I DON '' T GET NOTHING PER THE PERSON OVRR PAYING OUT THE COURT APPOINTED FUNDS. Now what gives them the right to keep my money.
Product: Debt collection

I have requested the files and paperwork used to verify this debt two times directly from the company and credit bureaus XXXX and XXXX. No verification has been provided neither times, it just keep being updated with no explanation, no proof. I don't have any knowledge of this debt or visit to this medical provider. I have medicaid thru the state so all my medical expenses are covered I just want the debtor provide id used upon visit, patient visit reason, date time and any paperwork used cause I just wan na protect myself from identity theft I have not been to any hospitals in the past 2 years. I just want verification so I can proceed with a police report as I have a history of identity theft incidents.
Product: Debt collection

I had a loan that was 360 %. I had no idea however I paid it off in full and its still going. I called the company and it is still not resolved and the debt just keeps going up. Even though I had already payed it off in full. The company in name is called speedy cash. I already talked to them and explained I payed the debt off in full even though it keeps going up with each passing day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Accounts with XXXX XXXX XXXX account # ending in XXXX Shows a late payment in XXXX of XXXX. XXXX ( account # ending in XXXX ) has violated my rights. showing a late payment in XXXX of XXXX. 

15 USC 1681 Section 602 states that i have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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