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

I am the victim of an altered check deposited with XXXX XXXX XXXX and drawn on Valley Bank. I am seeking reimbursement in the amount of {$9200.00}. On XX/XX/2022 I wrote a check payable to XXXX XXXX XXXXXXXX in the amount of {$6200.00}. The check was drawn my checking account with Valley Bank. The duplicate check, indicating the payee was XXXX XXXX XXXXXXXX and the amount was {$6200.00}, is attached. The check was mailed to XXXX XXXX  XXXX. On XX/XX/2022 I became aware that the check was stolen and altered without my consent or knowledge. The payee name was changed to XXXX XXXX and the amount changed to {$9200.00} ( attached ). I then contacted Valley and completed the attached Affidavit of Unauthorized Activity ( attached ). On XX/XX/2022 Valley, having learned that the altered check was deposited into a XXXX XXXX XXXX  account, requested reimbursement ( attached ). The check was clearly altered and forged. The payee XXXX XXXX was not entitled to payment. As depository bank XXXX XXXX is strictly liable for conversion of this stolen and forged check. As payee bank, Valley Bank is liable for an unauthorized charge to my checking account. I have requested reimbursement from XXXX XXXXXXXX XXXX and Valley Bank but they refuse to reimburse me.
Product: Credit reporting or other personal consumer reports

Birchwood has a inquire on my credit report which I never authorized an i want it removed.
Product: Vehicle loan or lease

Us auto sales sold me a warranty that never existed returned car they still coming after me for payment on a car I dont have I want my money back and down payment
Product: Debt collection

FBCS, ( phone number XXXX XXXX ) contacted me today stating that they were collecting for XXXX, but did not give me the account number associated on my credit report, ( as it was not listed, and is required for collections ) and asked if my name was something else, which is was prior about XXXX years ago before my marriage. The debt has far surpassed the statute of limitations. I told them not to contact me again, and to stay out of my credit reports. I will be checking to see if they are attempting to steal my credit also by using this identifying tactic. I suspect that someone at my prior residence in XXXX XXXX XXXX is pulling this fiasco and is associated with criminal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello last month I sent letters informing all 3 credit bureaus that inquiries on my credit report was not recognized by me and they did not remove or validate that I authorized these inquiries. I then received a letter on XX/XX/XXXX that all three credit bureaus system was breached from XX/XX/XXXX and XX/XX/XXXX. Attached is the letter showing that their system was breached any debt and inquiries on my report that were closed or derogatory or could possibly negatively effect my credit need to be removed immediately as you have recognized that the security of your company has been compromised and put me at risk this is in violation of FCRA if this is not going to be honored. Inquiries below should be removed from XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX The XXXX XXXX XXXX not recognized and also does not show the original creditor. This is in violation of FCRA guidelines. 

Also attached is the screen shot showing that XXXX XXXX was removed by not removed from my report still showing as closed. 

TransUnion Inquiries XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX Also attached is XXXX showing contradictory information which is a violation of FCRA shows bankruptcy filed on different dates that information must be consistent showing XX/XX/XXXX and XX/XX/XXXX. Please delete this information immediately, for XXXX XXXX, XXXX and XXXX XXXX. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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  Account Number XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I started a complaint with the CFPB already about XXXX. The reference number for the original complaint is : XXXX I received another stall letter from XXXX today in the mail and it is attached to this message. XXXX is stalling and not investigating my complaints.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information present on my credit report. Upon reviewing my credit report, I have noticed that there is inaccurate late payment reporting on my credit report. It is imperative that this error is rectified as soon as possible, as it is adversely affecting my credit score and may have repercussions on my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX,XX/XX/XXXXI am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [XX/XX/XXXX, XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. 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. These were already included in my prior complaint and I'm including them 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 have asked XXXX XXXX multiple times to validate and delete the false and now outdated information that they have listed on all of my credit reports. I have filed two prior complaints via the CFPB ( XXXX & XXXX ) and they still have not truly validated and deleted this erroneous information. 

XXXX XXXX stated in its response that its records show that the first day of delinquency for my account was XX/XX/XXXX and yet the car was first repossessed on XX/XX/XXXX and again on XX/XX/XXXX ( according to their own records which I have again attached to this complaint ). Obviously, the date of FIRST delinquency has to be before the car was repossessed the first time as you would not repossess a car that WASN'T FIRST DELINQUENT. The true first day of delinquency was the date I reported, which was XX/XX/XXXX. That makes this account over the seven years in age from the first missed payment. It is illegal to keep reporting it past this timeframe. XXXX XXXX is deliberately trying to keep this on my credit report by illegally re-aging the dates and by doing so, is causing me irreparable harm.
Product: Credit reporting or other personal consumer reports

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure XXXX  % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not XXXX  % correct and I demand them to be investigated completely.
Product: Credit reporting or other personal consumer reports

In the year of XXXX, two credit cards were opened in my name for XXXX and XXXX XXXXXXXX XXXX  Both cards were closed due to debt on the cards according to my credit report. I didnt sign up for a credit card until the following year ( XXXX ) with XXXX XXXX when I discovered there was another credit card possibly opened. I was able to resolve XXXX XXXX, but I am unable to resolve XXXX and XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX  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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 XXXXXX/XX/XXXX
Product: Debt collection

I was with XXXX for two years and never had an issue. XXXX is saying that I owe them money because someone whom I NEVER authorized was on my car insurance. Keep in mind I was still making my monthly AUTO DRAFT payments. I asked them for the recording of me adding someone to my insurance and they could not provide it. I spoke to XXXX XXXX representative and she assured me that this mistake would be corrected and never happen again. She said he fixed everything in the system. When I cancelled the insurance for their exploitation I got an email stating that I would be REFUNDED money. I never received my refund and I am still being billed for money I do not owe them. This collection was removed from my XXXX credit report the beginning of this year, now they added it to my XXXX and XXXX report. How could I owe money and my funds were taken directly from my bank account based on what they billed me for the month. I was also not able to retrieve my bill and payments from their website after I severed ties with them for some reason, but thank goodness for bank statements!
Product: Debt collection

I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cards XXXX personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Mortgage

We had a house fire in XXXX 2015 and have been making repairs to the home in order to move back in. Over the course of the repairs all money from the insurance company was required to be submitted to Midland Mortgage then dispersed to us as repairs were made. Along the process they required arbitrary inspections to determine the amount of our insurance money we were entitled to. At one point they declared us at XXXX % complete, then shortly after decided we were actually at XXXX %. Now we are towards the end and need the final funds to complete our repairs and get back into our home. The most recent inspection stated the house was XXXX % complete. At this point, we have used all of our available cash and maxed out XXXX credit cards to purchase building materials because of delays caused by Midland. In addition, we are paying {$1000.00} per month rent as well as utilities on XXXX houses. Midland refuses to release us from the requirement of the insurance money going to them first even though XXXX XXXX of Midland stated once it got to XXXX % complete they would release us. They are now stating the house needs interior doors, landscaping and carpet in XXXX bedrooms. They claim this is XXXX % of a $ XXXX claim. We have approximately XXXX due to us from the insurance company that would allow us to complete the house and move in this month yet they refuse to release us. It is my belief they are attempting to force my mortgage into default and seize my home. As of now we owe approximately XXXX on the home and once complete it should appraise for approximately XXXX, incomplete it should be worth considerably more than my mortgage balance, meaning their collateral is secure and they should be working with me to get me back into my home and my home completed.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report, and I noticed several inaccuracies on my account. This account is hurting my ability obtain credit. It is my understanding you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

XXXX XXXX XXXX / XXXX / {$1900.00} XXXX XXXX XXXX / XXXX / {$900.00} XXXX / XXXX / {$1300.00} XXXX XXXX BANK XXXX XXXX XXXX / {$2800.00} XXXX BANK / XXXX {$3400.00} XXXX XXXX  XXXX  Original creditor : XXXX  XXXX BANK XXXX XXXX / XXXX / {$1900.00} XXXX XXXX  XXXX  Original creditor : XXXX  XXXX XXXX XXXX / XXXX / {$900.00} XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX - XXXX - {$3900.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Debt collection

I am writing to dispute a charge of {$1800.00} from SOUTHWEST CREDIT SYS on my credit report on date of XX/XX/2019. The charge is in error because this account was opened fraudulently with my personal information without my consent. 

I contacted the company immediately upon seeing this balance showing up collections. This company refuses to try and resolve my issue, even though I provided documents to them as proof, as well as wrote them a letter. This issue affecting me financially on a financial burden.
Product: Checking or savings account

I have been a customer of Bank of America and its predecessor banks for over XXXX  years. I opened a business account over the weekend. I made my initial deposit of {$1000.00} over the weekend. They informed me that my funds will not be available until XXXX  XX/XX/23. 

This is a violation of Reg CC. I have attached a copy of the check. As you can see it is a pre-printed check drawn on XXXX XXXX  out of New York. There is no reason I should have an extended hold time in violation of Reg CC as I am an existing customer ( They verified my personal information at the time of account opening so they know this ).

According to Reg CC, the first {$100.00} of this deposit should be available to me XXXX  morning. The remainder of the funds should be made available Wednesday morning. I base this on your Board of Governor 's web site [ XXXX XXXX XXXX XXXX Section XXXX " Availability schedule States that proceeds of local and nonlocal checks must generally be made available for withdrawal by the XXXX XXXX XXXX business day following deposit, respectively. '' Therefore, a New York check is considered local to XXXX  Massachusetts and should be available XXXX.

Further, Section 229.13 Exceptions, lists the only reasons a bank could make an exception to this policy. Non of those exceptions applies to me- especially as I am a customer of 33 years.

Further, Section 229.10 ( c ) ( 1 ) ( vii ) clearly makes the first {$100.00} available the next business day so I want {$100.00} of this deposit available XXXX  XXXX  ( XX/XX/23 ). 

" the depositary bank must provide next-day avail ability for withdrawal of the lesser of {$100.00} or the aggregate amount deposited to all accounts, including individual and joint accounts, held by the same customer on any one banking day. '' I want you to force them to make my {$100.00} of my funds available XXXX  XXXX  ( XX/XX/23 ) and the remaining funds funds fully available on XXXX XXXX XXXX XXXXXX/XX/23 ) and fine them for not doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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