23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This involves an account with XXXX XXXX. The account is now being handled by XXXX XXXX XXXX Account # XXXX. The XXXX account was closed at the local branch and all equipment returned per the service contract. Additionally, all service fees were paid per the service contract. The amount in question is {$620.00}. 

Three attempts have been made to provide that information to XXXX XXXX XXXX   Paper documents have been mailed on XX/XX/XXXX, XX/XX/XXXX, and emailed per their request on XX/XX/XXXX. No communication has been received in return. XXXX XXXX   continues to communicate to the credit bureaus as a delinquent account. 

Disputes have been opened with all three credit bureaus and XXXX XXXX, however XXXX XXXX says it is waiting on further information to resolve the account. They have made no attempt to request that information either in writing or through email. I have called multiple times to resolve this matter but each time I am told that they are processing the dispute request and then a few months later they hit our credit reports.
Product: Checking or savings account

On XX/XX/2023 I drove from my home to the Bank of America in XXXX XXXX, Minnesota to retrieve my military pension in the amount of {$2600.00} and my VA XXXX pay in the amount of {$3500.00} and consolidate with other benefits to pay for my mortgage payment for my house in XXXX, Minnesota and I was told that my funds with the bank were closed and they would not give a reason why the accounts were closed. It has cost me {$50.00} dollars in fuel costs to get to the banks using my bank card from another bank. I would like a reason why they closed my account.
Product: Debt collection

I was contacted yesterday, XXXX/XXXX/XXXX, on my cell from a number in XXXX, AK XXXX XXXX XXXX XXXX in regards to an alleged unpaid debt on an old XXXX credit card that was paid on XXXX/XXXX/XXXX, in the amount of {$160.00} to XXXX XXXX XXXX XXXX. I told them it was paid and they wanted me to read them the information off of the receipt that I had. I told them it was at home and I could let them know tomorrow. The guy I spoke with stated that was fine. They also contacted my in-laws about 20 minutes after I spoke with them. I called the facility this morning, XXXX/XXXX/XXXX, at XXXX, it was closed. I called again at XXXX. I was told the person who has my file is out. I explained again I have the paid receipt and was told to call with the information today. The male I spoke with stated he would return my file back to the company that sent it to them since I have the receipt. At XXXX, they called my work. At XXXX, I called the facility again from XXXX XXXX TN ( XXXX ) XXXX, to let them know I had already spoken to someone and the female stated she sees in the notes the contact information and for me to disregard the call. At XXXX, they called my cell again from XXXX XXXX TN this time. I re-explained again that I have a receipt and she asked if I was disputing the claim. I asked her what is the name of their company and she said XXXX XXXX XXXX. I told her yes because I have a receipt stating the debt is paid in full and has been settled as of XXXX/XXXX/XXXX. She stated she would notate my account. At XXXX, my mother-in-law called stated they called their residence again looking for me.
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, 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 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: Checking or savings account

XX/XX/2023 - XXXX XXXX  account check from my employer was deposited to my Bank of America checking account, deposit receipt received stating partial funds would be available XX/XX/2023 and balance of deposit would be available XX/XX/2023 at XXXX. 
XX/XX/2023 - XXXX funds not available XX/XX/2023 - called and spoke with customer service representative at Bank of America who stated the hold on deposit had been extended to XX/XX/2023 at XXXX. 
XX/XX/2023 - approximately XXXX went back to the bank location where deposit was made and teller verified that hold had been extended and tried to give me a phone number to their " hold department '' and another bank employee whispered to her and then they just gave me the customer service line number which I already had now saying there was no " hold department ''. 
XX/XX/2023 - approximately XXXX I called the customer service line again and after a long hold time I was given the run around about deposit hold, told a computer put the hold, a bank of america employee could not override what the computer did. When asked to speak to someone who could actually help, I was told I was being transferred to the " hold department '' and then disconnected from the call. 
XX/XX/2023 - approximately XXXX I called the Bank of America customer service line again after checking my XXXX account online and seeing that the check actually cleared with them on XX/XX/2023. I received the same information from their representatives who said they are waiting on the check to be verified and funds received. I verified that it took less than 24 hours for Bank of America to request the funds from XXXX and for XXXX to clear the check. I was told that it can take up to 7 days for funds to be available in my account with no explanation as to why other than " they are waiting on the funds to clear ''. I will be closing my Bank of America account. They are not customer friendly and do not have competent people working there. If I could give a rating it would be ZERO stars. Bank of America has greatly tarnished my reputation with merchants and institutions I pay bills to by returning ACH checks unpaid because they are holding a deposit without reason.
Product: Checking or savings account

I went and received a new debit card from Regions Bank due to prior card expiring on XX/XX/XXXX, new card was printed and activated by the Regions bank on site, left and attempted to make a purchase and the debit card did not work, called the Regions bank and was informed its an on going issue and I could only come in and withdraw cash, have not received a working card or any assistance with the waste of gas and time resources required to the breach of contract by the regions bank denying me access to my funds unless walking into a Regions bank have attempted to get in touch with the Regions bank on multiple instances between XX/XX/XXXX and XX/XX/XXXX to no response being left without access to my account or money to pay bills or for groceries
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Great Lakes to let them know that they reported wrong information and dropped my credit report almost  XXXX  points. They told me that they could not do anything to fix this issue! That 's incredible!
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information reported on Experian credit report. I do not have a collection with XXXX in XXXX. I opened the account in XXXX with XXXX not a collection issue. Experian fails to report accurate information and cares nothing about individuals financial social status. Once again, the reporting of a XXXX collection in XXXX is inaccurate and they are only reporting eight years of credit history when my first student loan was in XXXX of XXXX. I have over twenty-three years of established credit. Your credit bureaus are ineffective at reporting accurate credit.
Product: Debt collection

I have sent 3 different letters since XXXX of XXXX as well as called on XX/XX/XXXX to get validation of this fraudulent debt and ask until i get validation and a new investigation be done to remove from my credit in 30 days and none of those things have been done nor have they responded. CB/ XXXX XXXX. I filled a complaint again on XX/XX/XXXX with CFPB as well as contacted XXXX and made them aware what they are sending me is NOT VALADATION LETTER OF DEBT. At this time the debt has been written off they have not provided a 1099C or proof of debt in validation letter or deleted from my report.
Product: Credit card or prepaid card

These are outages fees and we have to use B of America because they made a deal with XXXX. I bet theres a huge kick back setup here that someones making. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having an on-going problem with Equifax. This sub-standard company is violating Federal Law at will and does not care about customer service, proper conducting of investigations and continually reporting false information and undocumented information in violation of law. I had an ID theft ( prior  complaint filed XX/XX/19 ) back in XXXX of last year. ALL other credit bureaus removed the false accounts but not Equifax. They have been supplied with ALL documentation yet they keep reporting this account : XXXX XXXX and XXXX on my report. There is no reason to continue reporting this false information. I am really shocked a company like Equifax would do this. I have been denied employment as a result of this false information and I fully intent to sue them for damages if they do not remove this. Please help. Hold them accountable for this!!!!
Product: Student loan

I co-signed for my niece in XXXX  on a private student loan. Since that time I have become permanently XXXX and not working. My niece has had some unfortunate personal issues so she hasnt been making on time payments or making any payments. So of course they are coming to me for payment. Ive told them several times about my XXXX and have asked to be removed from my obligation as co-signer due to being permanently XXXX. I do not have the means to help with payment. They tell me to fill out the XXXX application but then they tell me I have to be XXXX from the military which Im not so I dont qualify for the XXXX discharge. Ive told them this is so unfair. Other people get XXXX besides just military. I need your help getting dismissed from this loan. It has totally ruined my credit. Please please please!!!! I need direction to go. Im at my wits end with this. 

Thank you for any help you can give me. 

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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX {$63000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX   Ohio XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX, The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX Ohio XXXX.
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. 

Indigocard # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above have violated my rights. 

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

15 U.S.C 1681 section 602 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: Debt collection

VIOLATION OF HIPPA reporting inaccurate information contacted numerous of times to verify and send info
Product: Checking or savings account

On XX/XX/XXXX at XXXX I went to the USBANK lobby in XXXX to make an {$800.00} cash deposit. The machine was throwing out the money ao I walked into the the bank and asked an employee if the ATM machine was working? She responded, " Yes, put it in quick and press Enter. '' I went back to the lobby and did as she said. However ; instead of giving me a receipt of the deposit it gave me a MACHINE ERROR RECEIPT. I went back into the bank and explained and showed them the receipt. XXXX looked at the machine and it was logged up now. He filed a report and he told me that I would have my money in XXXX to XXXX  days. Its been 10 days and still no deposit. When I called the bank they tell me it takes 45 days for an investigation to be completed and that I AM not the only customer at USBANK with an ATM issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, today, I accessed my account via WEB to cancel my XXXX   membership, AKA Experian. I found that if you want to cancel your membership, they ONLY let you cancel via phone. i.e. : " To cancel, please contact Customer Care at XXXX. '' I have been on the phone for over an hour on hold listening to the recording they have and still no one has answered. I found on the internet that many other people are having the same issue as I. After all this is supposed to be a free monitoring service, which is not the case. 
There isn't even chat or email available to cancel. 
Please help ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report XX/XX/2020 and noticed I have 2 accounts on my report that doesn't belong to me, XXXX XXXX and XXXX XXXX. I have disputed the accounts multiple times and the accounts still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an account with Chase through the debt collector XXXX XXXX XX/XX/XXXX, account cleared payment on XX/XX/XXXX, and I have called and called and requested that my credit report is still not showing balance of XXXX after settling. They have not sent an update to the credit bureaus. On top of that I have a pending mortgage and they are requiring a letter stating that account has been settled with Chase. I have called several times and they are refusing to provide me a letter stating that it is settled. The verbiage is reflecting that it has been settled pending clearing of payment which was cleared months ago. I have spoke to several Chase representatives and requested to speak to supervisors and nobody is helping. This is delaying my process in purchasing a home. I need someone to do something. I need a letter stating account has been settled with XXXX balance, without extra verbiage implying pending payment. 


Also, I settled another account with XXXX XXXX XXXX with debt collector XXXX XXXX End of XXXX, payment cleared on XX/XX/XXXX. I have called XXXX XXXX  USA several times and have not been able to speak to a person to obtain a letter stating account has been settled and cleared. I received it from the debt collector but I am need one from the creditor stating it is cleared and settled. No response from them at all. Automated system leads you in circles. I need a letter asap and mailed to me. My credit report is also not reflecting a {$0.00} balance. I have not received not one letter from XXXX XXXX   USA stating the account has been settled. 

These accounts were paid months ago and I should be able to obtain these items from the creditors. Accounts were resolved.
Product: Credit card or prepaid card

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : TOYOTA MOTOR CREDIT XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My laptop was hacked remotely. The hacksters found the routing numbers and account number to my personal bank account number and the same for my Coinbase account. I caught the transactions and my bank made me whole, but the money and crypto in my Coinbase account was depleted. Coinbase fraud department is difficult to reach or find a phone number. In the hold time and phone shuffle to get a live contact the hackers were able to make several transactions without my ability to block them or put a hold on my account. The first customer service agent I talked to said they would block it and save the money. It took me days and hours on the phone to find out that the account was in fact emptied and Coinbase locked me out and blocked my usage. They could not recover any crypto or find out where it went. They informed me I am no longer able to use their service. I feel as if I am being treated like the criminal and the hackers are being protected.