23daVinci/CFPB_Complaints huggingface dataset:
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX*XXXX Balance Owed : {$30000.00}
Product: Checking or savings account

Wells Fargo delayed the posting of a direct deposit, which showed that the incoming deposit was immediately available. I subsequently made a withdrawal that brought the balance to {$500.00}. Wells Fargo then delayed the deposit amount to the following day, which forced my account to incur a $ XXXX  monthly service charge. 

Wells Fargo, by not accurately displaying the timing of the application of the deposit, manufactured a service fee that otherwise shouldn't have been applied. This method is unfair to consumers, and should not be allowed. 

Finally, when I called XXXX I was unable to talk to a human representative, as the touch-tone menu placed me into an option-loop.
Product: Debt collection

CMRE has failed to respond to my letters. I have requested a validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from CMRE and they continue to report it on my credit report.
Product: Debt collection

Cavalry portfolio services have placed a open collections on my credit report XX/XX/XXXX. This is a re-age collection that was re-added to my credit. the original creditor was XX/XX/XXXX XXXX card.this information is FALSE because the card was never open XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX. Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls {$25.00} balance In all the years I've been a customer and never had a late payment, i had a {$25.00} balance that slipped my mind. I wasnt notified with a statement balance that I normally always got in the mail. Instead they reported me to the credit bureau and refused to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get the fraudulent accounts opened in my name without my consent off my report. Experian and XXXX are knowingly reporting inaccurate fraudulent information to my report which violated the FCRA. 

XXXX XXXX Acct # XXXX for {$880.00} reported XX/XX/XXXX stating it was opened XX/XX/XXXX and XXXXXXXX XXXX XXXX Account # XXXX *** for {$370.00} reported XX/XX/XXXX stating it was opened XXXX for the same duplicate account and I have had boost mobile for the last 2 decades and why are they allowed to lie and report inaccurate information. So please ask where this account was set up and what proof of identity was given. I have filed and FTC identity report and I have reason to believe this was identity theft. 

I think that is the case with the XXXX XXXX Account # XXXX for {$270.00}.
Product: Mortgage

On XX/XX/XXXX I spoke with a representative of Roundpoint Mortgage to apply for deferment of the balance owed to the maturation date of the mortgage. I was told the application takes XXXX weeks to review. 

I received a letter from Roundpoint mentioning total due at the time, unfortunately I do not have it with me as I'm traveling for family emergency. The amount listed was over XXXX but did not mention my deferment. I called in on XX/XX/XXXX and the automated system informed me they were still reviewing my application so I opted not to speak to anyone and await their decision. 

Today I called as I have received nothing from them about my application. I was informed they sent me a solicitation letter on roughly the XXXX, the day before I left to tend to family business, and that this letter probably cancelled my application. I've resubmitted my application which will take up to 30 days to review. 

I am fully capable of resuming my normal payment but feel that I am being pushed further and further back in an effort to force me to default.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I place a Fraud Freeze on my Equifax Credit Report due to Unauthorize inquiry and 2 account that appear on my credit due to identity theft. Every since I place this Freeze on my account on XX/XX/XXXX The information that was Blocked couple years ago was suppose to be block or deleted per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act has decided to reappeared on my credit with Equifax ONLY as they seem to not obey the consumer laws of the fair credit reporting act. There are also other account that I have been disputing due to identity theft for months now seem to still remain on my credit for something I did not do. I also spoke to the Equifax Mix department and Fraud Department regarding theses accounts and can not seem to block it and now because of the Freeze everything that was block came back on my credit file. Equifax seem to be unorganized and really playing with my credit report. Hopefully they are not doing this to others, But if the are I assume the CFPB will investigate this unethical law breaking company called Equifax. All my other Credit Reports, XXXX and XXXX are show my accurate information. 
Thank you I recently filed another dispute again as of XX/XX/XXXX confirmation number with Equifax is : XXXX Fraudulent Information are as follow : 1.XXXX XXXX XXXXe 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX acct : XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX there are 6 account with XXXX XXXX XXXX XXXX
Product: Debt collection

I received an email alert from experian on or around XX/XX/XXXX notifying me that information on my account has changed. I reviewed the information provided and discovered a debt collector reported to XXXX in XXXX that I owed XXXX XXXX XXXX or someone around {$450.00}. 

I have never been contacted by any company named XXXX XXXX XXXX in any form of writing either by US mail or by email. 

It is my understanding that before any company submits any debt report to such company as XXXX, the reporting company must have first notified me of such debt and attempted to collect such debt and failed. 

As stated above, this company has not contacted me in writing and I would like to have this negative report erased as soon as possible from the credit Bureau XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already created a previous complained over the CFPB ( ID : XXXX ) in their reply they said they would send me a paper copy of my credit score and that if I beliefe information on it to be inaccurate I should mention the specific dispute.

In the " credit report '' they sent me ( Dispute results Report # XXXX ) instead of giving me a credit score or asking for documentation that might help them determine one they just said that they were unable to calculate and provide me with a credit score.

Just to be clear the information I beliefe to be inaccurate is the entire " credit report '' I got mailed, since it did not contain any actual credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing XXXX  credit bureaus. According to account XXXX Navient continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes! 

I submitted ( 2 ) letters to ALL THREE credit bureaus on XX/XX/XXXX. One letter was to validate ( 3 ) accounts and the other letter was to validate the late payments for my ( 6 ) student loans accounts.

I only heard back from XXXX  for the ( 6 ) student loan accounts.

I then submitted a NO RESPONSE letter for the other ( 6 ) student loan accounts for the other ( 2 ) credit bureaus and for the ( 3 ) accounts for all credit bureaus because I didn't get a response. This was done on XX/XX/XXXX. To be safe, I sent the SAME set of the above letters on XX/XX/XXXX. 

I haven't heard back from the bureaus for any of this!!! 

I called up to the credit bureaus and XXXX  and Transunion BOTH conveniently stated that they only received one letter. ONE LETTER!! 

Of ALL the letters I've sent, they only received ONE LETTER! I just don't believe that. And Transunion didn't even investigate the late payments ... they investigated the balance!! Thats not what I asked!! 

I can clearly see that this information on my credit report is reporting INACCURATELY and on top of that, no investigation has been done after numerous attempts. 

THIS IS A VIOLATION OF MY RIGHTS!!! I demand an investigation and deletion of this inaccurate information!! 

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

My name is missing my middle initial and there are alias names that need to be deleted now and 2 previous addresses I never used those names and never lived there as well see attachment letter to explain
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fee due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Capital one is not showing money from my direct deposit and not able to transfer money to other bill I pay with account. All they say is were working to resolve this issue with a 3rd party vendor, we apologize for the inconvenience but arent saying anything about how they gon na to address the late fee Im getting because they are unable to provide the service they claim to be able to provide.
Product: Student loan

this students loans are fully paid. why is still reporting to my credit this accounts are more the 15 yeas old. I'm requesting for this information to be completed deleted from all XXXX credit bureaus. this inaccurate information is hurting my credit score. balances paid in full XXXX balances in this accounts. close accounts still reporting negative to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have disputed these account for inaccuracies and they came back as verified but looking at my most recent credit report I am still seeing the same inconsistencies as before. 
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

My husband took out a loan through Regional Finance. I did not co-sign or want anything to do with this loan. 
We both have separate checking accounts. He does have an account with my name on it so if he ever goes over, I can transfer money to his account the minute I learn of it. 

I have taken all if my bills through a debt management company, XXXX XXXX XXXX. I've been with the for several months. My credit score was in the XXXX range. 

Then one day during the last couple months, an employee of Regional Finance called and asked to speak to my husband about his late bill payment but he wasn't home.

I spoke to the person mentioning he was going through a debt company, XXXX XXXX. During this conversation they took it upon themselves to put my name on this account and call it a joint account. 

Now my credit is XXXX. If it wasn't for this one bill, I'd have great credit! How can I get my name taken off
Product: Money transfer, virtual currency, or money service

I attempted to Purchase clothes and shoes from an individual for {$100.00}. They made me pay them on CashApp and once I did. The threatened me and forcible removed me from their home. XXXX Police stated it was a XXXX and Cashapp refused to refund my money.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written five ( 5 ) letters to Synchrony Bank / Walmart to the mailing address listed on my credit reports to advise them regarding a fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX, and XXXX XXXX credit reports. The only communication that I have received from Synchrony Bank / Walmart was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Synchrony Bank / Walmart.
Product: Debt collection

On or about XX/XX/XXXX United Collection Bureau , IncXXXX erroneously withdrew {$5900.00} from my XXXX XXXX account ending XXXX. The debt that they are attempting to collect is associated with an identity theft problem that I encountered in XXXX. I have filed a police report and notified the Department of Revenue about this matter. Police report was filed in XXXX County MI report # XXXX. United Collection Bureau , Inc. never formally notified me that they were attempting to collect a debt. This debt is 10 years old from XXXX. On XX/XX/XXXX I reached out to XXXX XXXX at United Collection Bureau , Inc . He refused to help me with this matter.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX USC XXXX ( XXXX ). 
Under Section XXXX XXXX XXXX ( XXXX ), credit reporting agencies are obligated to provide a description of the investigation within XXXX  days of receiving a consumer 's dispute. 
XXXX. [ XXXX XXXX XXXX Account # XXXX, ] : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX. [ XXXX Account # XXXX ] : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX. [ XXXX XXXX Account # XXXX ] : Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 

Here I am sending proof that you supposedly did an investigation, you also say that all accounts were verified, yes all accounts were verified. There must be a record of the method that was used to verify that the disputed information is accurate and has Authorization. I want all the proof as required by law.
Product: Debt collection

Entity has placed an account on my credit report for a debt that I do not recognize and keep calling and sending letters to my home. The amounts always seem to be changing and they call and harass me to negotiate smaller amount. 

Original creditor is XXXX XXXX, and theyre claiming I owe {$1500.00}?? But on a credit reporting website I use its stating {$1000.00}?
Product: Money transfer, virtual currency, or money service

PNC perpetrates fraud and anti-trust laws when they refuse and neglect to correct their systems to allow customers to use XXXX XXXX XXXX. It's a joke.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 - {$700.00} XX/XX/2021 - {$1200.00} XX/XX/2021 - {$2000.00} XX/XX/2021 - {$2000.00} XX/XX/2021 - {$2000.00} XX/XX/2021 - {$2000.00} XX/XX/2021 - {$2000.00} XXXX XXXX - {$700.00} XX/XX/2021 - {$670.00} All transactions were supposed to be going to stuff, but I never received any receipts for the transactions and never received the service that was paid for from any of the transactions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

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

I did multiple international wire transfers with US Bank and provided all the corrected information. The beneficiaries never received the money since the transaction was rejected by their banks. US Bank has started XXXX business cases stating that the bank needs to reject the transactions which they already did. The banks do not receive in local currency XXXX XXXX XXXX XXXX XXXX ) and also the amount is not allowed. US Bank sent in local XXXXXXXX XXXXy in XXXX. I have all receipts, documents and support documentation. US Bank does not provide update, answers my phone calls and do not take any actions. This was my life savings over $ XXXX for a purchase of a XXXX XXXX XXXXXXXX. I am desperate since they do not provide any support which they mentioned to me to be the safest way to transfer large amounts of money. They treat me with despair like a I am a second class citizen.
Product: Credit reporting or other personal consumer reports

I am filling this report cause of the fraudulent report appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result identity theft and fraud the fraudulent account consist of a personal credit card account opened at American Express on XX/XX/XXXX under the account number is private, and a personal account XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX XXXXthese accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report.I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports cease pursuant to my rights within the FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

I referred a user with the username XXXX on XX/XX/2021. I was unable to qualify for the referral reward because Etoro blocked my ability to add funds to my account during this time period. In order to receive a referral reward, both the referrer and referee must complete a trade in their account of at least {$100.00}. Since I did not have the ability to add funds to my account during this time period, I was unable to complete the trade requirement. I contacted Etoro to restore my ability to add funds to my account, but they only agreed to do this after the 30 day period that you have to make the trade after your friend joins Etoro.
Product: Credit reporting or other personal consumer reports

Someone used my information to apply for different credit accounts. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Theses 6 inquiries appeared on my credit report XX/XX/2024.
Product: Checking or savings account

On XX/XX/2020 I was charged 6 NSF fees for an account that I typically keep over $ 10k- $ 15k into at a time. When I set up the account with the branch manager at a local branch I was told I was enrolled in overdraft protection on both my business and personal checking accounts. This one in particular was my business account, in which I've been a member with over 10 years without ANY overdraft fees. When I called the bank they only refunded 1 NSF fee for {$35.00} dollars. I also was suppose to have alerts sent to my email, which came in a day after the fact. I have proof of the e-mail. I've told them I am pulling XXXX out of the account and closing it. Bank of America will never get any of my business for any reason again. Their ethics, morals, and the way they treat their long time customers is a disgrace.
Product: Credit reporting, credit repair services, or other personal consumer reports

THOSE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY REPORT. PLEASE HAVE THEM REMOVE OFF MY FILES.
Product: Mortgage

I worked with Guaranteed Rate on a home purchase in XX/XX/2024. XXXX XXXX discussed details regarding the closing of my loan with the sellers agent, and attempted to convince me to close faster at the request of the sellers agent.