23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a dispute with the company on XX/XX/2022, and they advised me that they would remove the 30-day delinquency from my credit report. I checked today, and it's still there. 
Complaint ID : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I noticed inaccurate accounts and information on my credit report and contacted the XXXX credit bureaus about it ( XXXX, Experian, and XXXX ). I sent letters asking them to validate these accounts and never received anything in the mail or email from this. It has been well over 30 days and I never received any information and the accounts are still on the report. I also sent letters to these XXXX companies to validate this debt or remove them and they still have not been removed. I know that according to the law they have 30 days to validate or delete it. I have not heard from any of the companies. I sent certified letters and copies of my Identification to show that this is me inquiring about my report but nothing. Can you please help with this issue?
Product: Credit card

I have a monthly fee added to my Avant credit card accoun. I have never had a monthly fee on this card, never received notification of any fees. Avant said an email was sent XX/XX/XXXX, XXXX I stated I never received an email with a change in fees or conditions. I verified my email address with Avant. Asked several times what the monthly fee was and for the fee to be removed. Neither the agent or supervisor were able to answer my question or resolve my issue. I asked for Avant to resend the email. But Avant agent and supervisor stated they could not resend the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went over a copy of my new credit report it contained same errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is defaming the integrity of my credit file. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my Experian Credit report. They stated that their information was verified by XXXX. I disputed the erroneous reporting direct with XXXX on XX/XX/2019 and XX/XX/2019. XXXX did not respond to either dispute. Attached is the communication with XXXX and the U. S. Postal Service confirmed that they received my dispute. 

Also attached is my U. S. Postal Service confirmed that the Experian Credit Bureau received a copy of this Dispute.
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 : {$5900.00} 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: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt before taking this matter to court and suing Equifax for false reporting and false investigating. Because of my most recent complaint and attempt to have the bankruptcy listed on my credit report removed, Equifax sent me a letter " confirming '' their investigation ... again siting XXXX as their source who provided the information. I have been dealing with this since XX/XX/2022. I have now attached the letter Equifax sent me siting XXXX dated XX/XX/2022. I have also attached my COMPLETE XXXX consumer report. Every single page has been attached and you will clearly see that NO bankruptcy is listed. You will see my name, date of birth and last 4 of my social on the XXXX report, I also included my ID as proof of identity along with my social security card. I also singled out page 27, showing you I am clear of judgements, liens and bankruptcy. BUT you still have access to the complete report as well. Again this is the final chance for your company to rectify this mistake before I hire a lawyer and sue for false reporting.
Product: Credit reporting

Got a copy of my credit report to purchase a home while I was looking over my report I noticed a bill that was sent to collections from where I was a victim XXXX XX/XX/2013 I reported the accident to the XXXX law firm where I had filed a lawsuit against the insurance company XXXX law firm was very well aware of all XXXX that I received treatment from the law firm charged 40 percent of the settlement money which I was not told up front on how much they would receive after being released from XXXX hospital that is when I contacted XXXX law firm they where responsible for handling all my bills which incurred from the accident the XXXX law firm recieved more money than I got from my settlement check which I finally got my part of the settlement check last month to make a long story short they did not pay my hospital bill XXXX in which I just found out about it XX/XX/XXXX from my credit report in the amount of XXXX dollars my attorney was responsible for taking all my XXXX bills that occurred XXXX an paying them from my settlement money why they were so eager to get 40 percent of my settlement money they did not pay the hospital that I recieved treatment from and by them not paying the hospital they sent the bill to collections in which it has caused me hardship by lowering my credit score in which I have been working hard to repaire since last year so by my attorney not paying that bill it lowered my credit score which caused me not being able to obtain a mortgage loan when I contacted the number I got off my credit report to find out why I owed XXXX that's when I was told who the company was an the date of treatment and what the reason for treatment was from so that's when I called the billing department XXXX with the account number I obtained from the collection agency am I explained to the lady in billing that I was not responsible for those charges that they put in collections she refused to finish hearing what I had to say an told me I am responsible so that's when I hung up an called the XXXX law firm to speak with either XXXX because they are the XXXX people that I had to stay calling about my case I only met with someone from the XXXX law firm XXXX an that's when they came to my house XXXX they only called me a total of XXXX times since XXXX any other time I always had to call them to check on the progress of my lawsuit an then when I called they where never available I usually had to wait 2 or 3 days to hear back from them an the longest I had to wait for a response was like a week and a half anyway I have a bill on my credit report and a lot of inquiries that I did not authorize on my credit report as well as XXXX addresses that I have never lived at and numerous phone numbers that is an was not used by me as a form of communication and I need to know how to let someone know that I have mis leading information on my credit report. Thank you for your time and patience.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

I tried to deposit a XXXX dollar check from XXXX with my mobile app. I did this twice and was told each time that I exceeded my deposit limit for the day. I finally drove to the bank and I deposited the check into the atm machine. After my deposit my account was positive XXXX dollars. At XXXX XXXX I checked my balance again to find the screen shot below. When I called the bank 3 times no one there could tell me what was happening??? This is thievery as far as Im concerned! I want this bank to credit my XXXX dollars immediately and I do not want to sustain any fees? This is an outrage and it should be illegal!
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 XXXX XXXX XXXX. 

The letters are stated with items and issues. 

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 reporting

I have been reviewing my credit report closely because I am looking into buying a house. 
But the statement of " Serious delinquency '' continues to come up on my report. 
I have not had any Serious delinquencies in over 10 years, Why is it still on my report?
Product: Mortgage

My state was declared a natural disaster that inhibited me from working due to frozen roads & no power for a few weeks during the last week of XXXX leading into XXXX & I called the creditor & explained my situation & they said they couldn't give me any relief unless it was from covid 19
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX , XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX  XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, lnc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Checking or savings account

I am a platinum member of Bank of America ( BOA ). 

I received a 1099 for interest income on my checking account ending XXXX and savings account ending in XXXX. 

But no interest for a Bond deposit transaction on the checking account which took place on XX/XX/XXXX? 

It was a XXXX Bond redemption value of {$10000.00} each at ab interest of {$7800.00} each for a total of {$31000.00} at a total interest of {$23000.00}. 

Called BOA on XX/XX/XXXX and spoke to XXXX from New York. He could not find a record of the bond deposit? 

I explained to XXXX that I had a photo copy of the bond deposit made at their branch on XXXX XXXX, XXXX XXXX, FL and further explained that at the time the deposit of {$31000.00}, was first shown on my account then a day later it was removed??. 

After phone calls at that time with BOA with BOA noting the photo copy of the transaction and adjustment was made and the amount of {$31000.00} was restored on my account. 

As XXXX checked further he did come across an adjustment made on XX/XX/XXXX of about {$30000.00} but did not confirm the exact amount of {$31000.00}? 

He then gave me a case number of XXXX and said they would be getting back in touch with me and if I did not hear back from them to give them another call, Since was getting close to Tax time, I called back on XX/XX/XXXX and got a woman on the phone. I did not have to give her the case number because she said she ha my information. She then said that the bond transaction did not show on my account? When I pressured her further she said I would not need a 1099 for that transaction which did not seem correct. She also did not seem very knowledgeable. 

At the risk of being audited and reflecting how the original transaction took place back on XX/XX/XXXX, first the {$31000.00} was on the checking account then it was removed? Then after phone calls from my XXXX daughters, who made the deposit with my wife, and myself, the {$31000.00} was restored on my account. I thought I should report this plus I believe I am going to need a1099 from BOA reflecting that {$23000.00} interest income for my taxes. 

I would appreciate your help
Product: Checking or savings account

I had several fraudulent charges made to my Wells Fargo debit card, all withdrawals from non-withdrawal ATMs. My fraud claim was denied on the grounds that as I had my card with me, it was a chip card, and my PIN was apparently used, that it was " impossible '' for it to have been skimmed and that all charges " must '' have been made by me or someone I gave the info to. This is entirely untrue and I am 100 % certain I did not make those charges. Most were made in my local area but one was charged in an area I had not visited in a long time. All were from ATMs at establishments that I had never withdrawn money from. After complaining unsuccessfully over the phone and filing a formal complaint with a representative in my local branch, I was again denied with the same justification. My Wells Fargo complaint number was # XXXX.
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was sent the title, but this still appears on my report.
Product: Credit card

PayPal has a repeated POOR BUSINESS PRACTICE of taking money for payments but then holding the funds for and extra week before releasing the available credit, even though they have the customers money. This practice is completely WRONG and PayPal needs to be investigated for wrongfully taking cash from their customers and holding it hostage, putting customers and small businesses at risk. Please investigate these unacceptable business practices and force PayPal to correct these unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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
Product: Credit card

I am disputing a 30 day late on my XXXX credit report. I have a issue with XXXX late payment in XXXX which was a little bit after I moved from XXXX XXXX XXXX XXXX Ga XXXX to XXXX GA XXXX and also thought this was setup on automatic payments do to previous manual payments and asking to be setup on auto billing. I was unaware of any notices sent to my previous address saying that my payment was going to be late or any need of a payment due. Please remove this late payment off all credit bureaus. 

I really appreciate your assistance
Product: Debt collection

I received a letter from Mountain Land Collections, LLC from XXXX XXXX, UT stating it was a collection agency and I owed money for an ER visit that I knew I had already paid off. This company sent a very legitimate-looking letter and has a website set up to take payments. I called the hospital directly and they confirmed that this is a scam.
Product: Credit reporting

XXXX XXXX XXXX XXXX a balance of {$1700.00}. This is not for me, it is for a XXXX my deceased husband owned. A lady came to my home about XXXX years ago and questioned me and I explained the same to her. From what I understood this amount is for parts purchased for the business.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is your verification methods? Do you have have proof that my name was ever legally " XXXX XXXX '' including a copy of a license, ID or social security card? 

You've stated that you verified the inaccurate bankruptcies on my report. Though, I've attached an email from XXXX and a letter from the US Bankruptcy court saying that they've never reported a derogatory information to you. XXXX whom your company frequently uses for verification ( per attached letters ) deleted those inaccurate bankruptcies as well as XXXX and XXXX. 

Send me a detailed description of how you " verified '' this information ASAP. Thx
Product: Debt collection

XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for Synchrony Bank that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted Synchrony Bank in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between Synchrony Bank transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( XXXX XXXX and XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors talking place with this account. First one being that the arbitration agreement provided by XXXX XXXX XXXX XXXX XXXX was broken by them. Claims are supposed to go through arbitration, and the claims they made did not. Second one being that an adequate notice was not given by XXXX XXXX XXXX XXXX XXXX XXXX according to 15 USCA 1602 ( k ). There have been more violations as well, but these have caused me mental Anguish, humiliation, and emotional distress. XXXX, XXXX, and Transunion are in violation as well by not following reasonable procedures made to guarantee maximum accuracy on my consumer credit report. I will have to move to arbitration if this is not resolved.