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

( 1 ) On XX/XX/2020 XXXX, COMPLAINTANT has successfully created a set of checking and saving accounts with PenFed. All required documents and SSN information were used to create the account, access mobile banking subsequently and to unlock using automated means. 
( 2 ) However, online access was suddenly blocked on XX/XX/2020XXXX  by PenFed employees. Employees stated that, although enrollment process did not require such documents, COMPLAINTANT needs to send utility bills, SSN card and photo ID in order to unlock the account. There was no automated text or email generated but it wasn't until COMPLAINTANT 's attempt to login again, when he found he account locked manually. 
( 3 ) Initial deposit and a credit card application were successfully made before the lock, marking the successful login and usage before the manual lock placed by PenFed employees. 
( 4 ) COMPLAINTANT called a few times ( XX/XX/2020Monday  XXXX XXXX  PST XXXX XXXX  EST,XX/XX/2020 Friday  XXXX XXXX  XXXX XXXX  EST, XX/XX/Saturday  XXXX XXXX XXXX  PST XXXX XXXX EST, XX/XX/Tuesday  XXXX XXXX  PST XXXX XXXX  EST ), until a simple unlock was executed by an employee. 
( 5 ) Documents were emailed on XX/XX/2020 and again on XX/XX/2020after representative suddenly claimed that days after assured review, that PenFed can't open the attached image files. 
( 6 ) COMPLAINTANT wonders why PenFed has not notified him of this issue on XX/XX/2020, or wait to unlock the account until COMPLAINTANT had to call again on XX/XX/2020 Wednesday XXXX XXXX  PST ( including PST XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX  later ). ( 7 ) OnXX/XX/Sun  : Utility Bill/Vehicle, Paystubs, SSN card and photo ID ( for credit card from email template ) ( 8 ) On XX/XX/2020 Tue  : COLOR Photo ID, COLOR Utility Bill, COLOR SSN Letter with address were listed on manually composed email. 
( 9 ) On XX/XX/2020Wed  : Photo ID, SSN card, Utility Bill on a manually composed email. 
( 10 ) XX/XX/2020 Wed  : Photo ID, Paystubs for a " conditionally approved '' credit card application that was manually composed. 
( 11 ) PenFed 's debit card is linked in XXXX transfer service, however, transactions are randomly jammed from time to time. 
( 12 ) PenFed may show that it also requires additional documentations to unlock other accounts when its enrollment webpage does not require those itself to make an account or unlock when the lock was placed by its automated system. ( Or as to whether it needs COMPLAINTANT/customer to constantly call in to ask its employees to execute the unlock process, while its employees have no problem doing such tasks on their own without constantly having users to call in to remind them ). COMPLAINTANT is baffled as to why PenFed employees had to create this situation artificially in order to portray the COMPLAINTANT as calling them incessantly.
Product: Credit reporting or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

I dont know what this charge is i think it was my mothers but she is decease now Date XX/XX/2014 XXXX XXXX original Capital one Bank total {$740.00}
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to dispute unauthorized inquiries listed on my credit report, which violate the permissible purpose requirements outlined in 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

I had a conversation with the dealership and made it explicitly clear that I only wanted my credit application to be submitted to one bank. Despite their attempts to convince me that submitting it to multiple lenders would improve my chances of approval, I firmly declined, emphasizing my concern about accumulating multiple hard inquiries on my credit report. However, they disregarded my instructions and submitted my information to several lenders without my explicit authorization. 
I later reached out to the dealership for an explanation, but they were unable to provide a satisfactory response. Furthermore, they made no effort to address or rectify the issue, leaving me deeply disappointed with their handling of this matter. This violates FCRA requirements. The inquiries in question are as follows : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXX/XX/year> I request that Equifax investigate and remove these inquiries from my credit report as they were made without my consent. Under 15 U.S.C. 1681i, you are required to investigate disputes within 30 days. Please provide confirmation of removal or documentation showing my explicit authorization.

If these unauthorized inquiries are not addressed, I will consider seeking legal remedies under 15 U.S.C. 1681n and 1681o.

Thank you for your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in XXXX that my credit report contains late payments reported on XXXX andXX/XX/2016 for my XXXX   student loan accounts. At the time, I have attended XXXX XXXX College ( now XXXX XXXX University ) in the Spring of XX/XX/2016 and XXXX XXXX University in the summer and fall ofXX/XX/2016. As a student attending classes at least half-time during those period, my account should not have entered payment at that stage. However, even after contacting XXXX regarding this issue, as well as sending their credit bureau management team  relevant documents showing that I was a student at the time, I have not gotten a single response from XXXX team.
Product: Checking or savings account

I deposited a check from my business account at XXXX XXXX to my personal account at Citizens Bank on XX/XX/XXXX. I was told on the mobile app that the funds would be available XX/XX/XXXX. The check cleared my business account on XX/XX/XXXX. Since I control both accounts I see both sides of the transaction. 

Citizens Bank has made multiple conflicting statements regarding the failure to clear. I spent over XXXX XXXX  between the Citizens branch, human chat lines and XXXX numbers, without resolution or the same answer twice. Promised return calls have not This has now caused payments to be returned which is impacted my personal and business finances.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2025 XXXX {$100.00} {$4.00} fee- I filed a case. Money got sent. Later I reported to them that seller XXXX is a scammer. XXXX XXXX, 2025 the case was closed in the seller 's favor. Case ID : XXXX Disputed amount XXXX. Receiver info XXXX XXXX XXXX XXXX. XXXX sent {$100.00}. Transaction ID : XXXX. XXXX XXXX I was informed that I owe PayPal {$100.00}. I called PayPal and informed them that she is a scammer and no money should be sent. That I received no services that she promised to me. It was sent friends and family by request of the seller. This is only a fraction of the money she received including using other addresses. I have filed complaints against XXXX XXXX at XXXX also with no results yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, Gap # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : [ XXXX XXXX XXXX XXXX ], [ XXXX ]. 
I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 
In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( XXXX ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 
Please acknowledge that you have received this notice within 10 days. 

Also want to see who the non complaint agency is Transunion continues to say that you have verified the debt as accurate which I know its completely out of line this is your last chance.
Product: Money transfer, virtual currency, or money service

The bank account closed and I cant even see my transactions any more. I need help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. XXXX an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Debt collection

I contacted Zarzaur & Schwartz attorney at law collection team on XXXXconcerning a debt that I was paying in their office monthly. I was advised that the debt had turned into a garnishment. I requested the total due and settled paying the account in full on XX/XX/24. XXXX XX/XX/24 I was served by the sheriff of XXXX XXXX with garnishment papers. I contacted the attorney office concerning this matter and was advised someone would call me back. No one ever called back. XXXX wages were garnished on XX/XX/24 even though this account was paid in full. I've contacted the collection team basically everyday inquiring about a release and was advised on several occasion it was mailed on XX/XX/24. My employer has not received it and I've contacted the small claims court in XXXX, AL on several occasions and was advised nothing has been received and that the release can be submitted electronically. On XX/XX/24 I contacted the collection team and again advised the release was mailed XX/XX/24 and I need this information sent to avoid wages been garnished again on my next pay date. A manager by the name of XXXX XXXX contacted me within 5 minutes of the call. I explained the entire situation to him, and he advised there was no record of a release sent and that he would send the supervisor who handles releases an email and he would be in touch with me with updates. I'm getting nowhere with this company. I paid this debt in full and was still garnished. I need someone higher to look into this practice. I need the release garnishment sent to my employer in order to stop further garnishment. I shouldn't have to follow up to request this information as they should know to send a release when an account is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong informatio n. I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company to remove the remarks regarding the dispute from the portfolio recovery account. I was informed this would be removed and the update would be reflected in 72 hours. This did not happen after several phone calls over a week the information was still not removed from the account. The remark says " consumer disputes after resolution. '' I asked for this to be removed several times but it is still showing on my credit report. I received written notice in the mail and as of today, XX/XX/2022, the dispute remark is still showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXXmaccount number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am a consumer. There is not a third party representing me. I have explained to TransUnion that I am not liable to pay this debt from XXXX XXXX XXXX, they inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company National Credit Adjust has failed to produce any evidence that I am the rightful owner of this debt with them. I have explained this to TransUnion as well as sent proof ( attached ) of a fraud affidavit from the FTC and a police report AND the affidavit from the FBI. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked XXXX XXXX XXXX  to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! TransUnion has received all of this information and they are knowingly still reporting that I owe this debt on my credit profile. The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. TransUnion is in violation of several FCRA laws. This is a defamation of my character and damage to my financial life. As a citizen I would expect the very least and as a veteran I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that TransUnion immediately and PERMANENTLY delete this information on this debt that I do not owe and discontinue reporting.I do not owe national credit adjust and they are in several violations of the FDCPA and TransUnion is in violation of several FCRA laws. I demand that TransUnion delete this stated fraudulent debt from my credit profile immediately.
Product: Debt collection

Portfolio Recovery Associates was trying to collect XXXX separate debts from me and although I paid monthly payments, believing PRA was entitled to collect on these accounts, the pricipal amount increase indicating PRA was charging interest. I disputed these accounts on 4 occasions ( beginning XXXX/XXXX/2015 ) and requested verification, but PRA refused to provide original account agreements or an accounting of what was paid and due. I then learned the there was a consent decree, binding PRA from collecting certain debts. I then received a refund and a letter indicating that at least XXXX ( and probably both ) wasa covered by the consent order. I also discovered that PRA is still reporting these debts on my credit reports. I want to know 1 ) are my XXXX debts covered by the consent decree ; 2 ) is PRA prohibited from collecting these debts ; and 3 ) if PRA can not collect, why ca n't these XXXX items be deleted from my creidt reports because PRA can no longer collect them?
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX {$0.00}