23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Product: Credit card or prepaid card

I filed a dispute in Chime Bancorp on XX/XX/2021 with the amount of over {$1100.00} because The service provided by the merchant announced its closure and then I've talked to the merchant through the phone about the problem and the merchant told me that I can issue a refund to my bank and later on XX/XX/2021 my dispute got denied because there was no error. The thing is i filed another dispute on my other credit card which is XXXX XXXX on XX/XX/2021 with the amount of {$260.00} and they just approved my dispute and they considered it case closed. Same merchant because I used 2 credit card to pay the service which is Chime Bancorp and XXXX XXXX. I can provide another information or documents to follow up if needed
Product: Checking or savings account

Subject : Complaint Regarding Unjustified Hold on Paycheck Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally lodge a complaint regarding a recent experience with Bank of America that has resulted in significant financial hardships for me. 

On XX/XX/year>, I received my paycheck, which was deposited into my account at Bank of America. To my surprise, I was informed of a 7-daXXXX hold placed on these funds without any prior disclosure. This unexpected situation has severely impacted my ability to meet my financial obligations, including rent, bills, and other essential expenses. 

During my interactions with the bank, I specifically spoke to the following employees regarding this matter : XXXX. Employee XXXX XXXX ( Employee ID : XXXX ) - Despite my inquiries about the reasons for the hold, I did not receive satisfactory explanations or assistance. 

XXXX. Customer Service Representative XXXX ( Employee ID : XXXX ) - Again, my concerns were not adequately addressed, leaving me in a difficult financial position. 

XXXX. XXXX XXXX ( Employee ID : XXXX  ) - I was not informed of any potential holds when making the deposit, which I believe is a lack of proper disclosure on the bank 's part. 

I understand that banks may implement holds on deposits under specific circumstances ; however, it is essential that customers are made aware of such policies and any associated timelines that could affect their access to their own funds. The lack of transparency and communication in this case is unacceptable. 

I am requesting that the Consumer Financial Protection Bureau look into this matter and provide guidance on how consumers can receive better protections against such practices. Additionally, I would appreciate any assistance in communicating with [ Bank Name ] regarding the hardship this hold has caused me. 

Thank you for taking the time to consider my complaint. I am hopeful for a resolution and appreciate your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

The problem is not with the credit card company. The problem is with Best Buy for an annual product protection plan that they will not cancel. The plan was purchased for another person and Best Buy says that only that person can cancel the plan even though my credit card is being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Vehicle loan or lease

Honda financial is harassing me, with calls and letters. My loan is paid off and I have my lien release letter and already have my clean title. Please Ask them to stop. Legal action will follow If this does not cease. I have also sent them a cease and desist notice.
Product: Debt collection

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1600.00} _ According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX credit report, l realized that ; CBNA/XXXX XXXX reported a hard inquiry on XX/XX/2018 which l have no idea about.
Product: Credit reporting or other personal consumer reports

I have tried several times to dispute paid items in my credit report have contacted the bureau and companies and are not deleting the items they are not putting any effort to help improve my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX class at XXXX XXXX XXXX. It was with XXXX & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my XXXX XXXX XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF EDXXXX XXXX  was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a XXXX.
Product: Checking or savings account

Question : How does {$32.00} in debit card charges be approved while my business account had a Negative Balance creating an additional {$200.00} in overdraft fees when I have opted out of overdraft protection? 

Summary of facts : 1. I have a business checking account with Huntington bank opened in XXXX by an employee for XXXX. 

2. I rarely use this account 3. Had my Huntington Debit card ending in XXXX, connected to my XXXX apps, which renew yearly. 
4. I opted out of the overdraft protection, as I do with all my checking accounts 5. On XXXX, XXXX, I had a balance of + {$11.00}, when an XXXX XXXX charge for {$5.00} posted through my debit card. Leaving me a balance of + {$6.00} 6. This is where things get interesting. 
On XXXX XXXX, XXXX, another XXXX XXXX charge for {$15.00}, it was paid by Huntington leaving me a Neg. balance of - {$9.00} 7. On XXXX XXXX, XXXX, another XXXX XXXX charge for {$2.00} was charged to my business debit card and Huntington was again kind enough to cover it, leaving me a negative Balance of - {$12.00}. 

8. On XXXX XXXX, XXXX, my account was charged a {$36.00} overdraft fee : Account balance now a Negative - {$48.00} 9. XXXX XXXX, XXXX, another {$36.00} overdraft charge for the {$2.00} purchase : Account balance now a Negative {$84.00} 10.  XXXX a debit card charge for {$24.00} was approved increasing Negative account balance to {$100.00} 11. On XXXX XXXX, Huntington bank charged my checking account another {$36.00} overdraft fee ; Balance now Neg. {$140.00} 12. Also XXXX XXXX Huntington charged my account an Extended overdraft fee of {$25.00} : My Balance Neg. {$160.00} 13. XXXX : I received another Extended Overdraft fee of {$25.00} : My Negative balance increases to {$190.00} 14. XXXX. I deposited a check for {$15.00} : Account balance a Neg. {$170.00} 15. XXXX XXXX, XXXX auto payment through my debit card for {$72.00} came through. Huntington allowed the charge, WOW! 
16. My account balance increases to a Negative {$250.00} 17. On XXXX my account was charged another {$36.00} Overdraft fee : Negative account balance increases to {$280.00} 18. After ( 2 ) more {$25.00} Extended overdraft fees and a few deposits. My account balance now stands at a Negative {$260.00} as of XXXX, XXXX. 
19. On XXXX XXXX, XXXX I called Huntington bank to see what was going on. How do all these charges get approved when I do not have the funds available and I have opted out of OverDraft protection. Her response was since I am such a great customer Huntington bank extends the courtesy of allowing the debit card charges to go through. I asked about all the overdraft and extended overdraft fees. She said they could credit me back {$75.00} but the rest will remain. 
20. How am i identified as a great customer when I rarely use this account? 
21. As of XXXX XXXX, XXXX I have not received any credit. 
22. However, I am still very confused. The primary reason I opt out of overdraft protection was to avoid the Overdraft fees. This account is primarily used during election years. So, how is Huntington able to charge me overdraft fees?
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding and True Accord Violated my rights consistently from XX/XX/XXXX to XX/XX/XXXX when I asked them to Verify the account by providing me with a signed contract which they didnt. I do not have a contract with any of these company. 

15 U.S. Code 1692c, section a states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692c a 1 states that a debt collector should not communicate with the consumer at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX, local time at the consumers location ; 15 U.S. Code 1692b section 2 states that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot state that such consumer owes any debt ; 15 U.S. Code 1692b section 5 states collection agencies can not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692b ( 2 ) states that the collection agency should not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; also none of these collection agencies are located in my State.

they also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A states that I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX I purchased some appliances with conns however, I returned the appliances with the understanding that I would not be charged full price for the purchase since the return was within a specific time frame for one of the items. Unfortunately, the company is charging me full price and they continuously report incorrect information to the credit bureaus which has damaged my credit. In XXXX I sent a letter to Conn 's requesting detailed information regarding the purchase and the return and I haven't received anything. I've attempted to dispute the erroneous data with all three credit bureaus for some reason each time I dispute the dates on the closed account continues to change. Please assist me in getting answers and removal of the information from my credit file. 
This is a company that preys on a certain population of people, their practices need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX marked payments as late while they were in a repayment plan. They have promised multiple times to fix the " late payment '' error on my credit report and I see it still hasn't been done. 

This is having an extremely negative impact on my life. If they do not remove it I will be forced to sue. I HAVE NEVER MADE A LATE PAYMENT BECAUSE IT WAS IN AN INCOME-BASED REPAYMENT PLAN. THIS APPLIES TO BOTH ACCOUNTS WHAT THEY ARE DOING IS ILLEGAL
Product: Payday loan, title loan, or personal loan

Hello I have a loan with Covington credit. ( Southern Management ) I have missed XXXX pymt..and my  XXXX pymt is not due until XXXX XXXX the branch manager ( XXXX ) is very rude and keeps threatening to call my job and they have came to my home and left a letter take it this is my XXXX loan with them I paid off the first one.they are very harnessing about {$98.00} dollars please make them stop my intentions are to pay I am having financial issues right now.
Product: Credit reporting or other personal consumer reports

Called in multiple times for company to update the credit reporting, company refuses. I paid off my XXXX loan with XXXX XXXX XXXX  months ago. The company is still reporting that I have an auto loan with them. On my credit profile because of this it looks as though I have XXXX auto loans. Im disputed information with all three credit bureaus and XXXX advised all three bureaus that the information is correct. I have proof of the XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security umber has been stolen and my banking information. Someone has obtained a job using my information and the bank reported that this persons address is at XXXX XXXX XXXX, XXXX, NV, XXXX
Product: Student loan

I have spent an hour and a half on hold waiting for a representative to inquire about correspondence sent to me by MOHELA, and I am still on hold. It is unacceptable for student loan servicers to have wait times in excess of XXXX minutes, especially considering the amount of money they are making off of students and graduates.
Product: Credit reporting, credit repair services, or other personal consumer reports

uSBANK PUT A FORECLOSURE ON M, Y CREDIT REPORT FOR THE WRONG DOLLAR AMOUNT WHILE IN LOAN MODIFICATION WICH STOIPPED ME FROM GETTING REFINANCIMNG ]
Product: Credit reporting or other personal consumer reports

I have now asked for an thorough and fair investigation of these remaining errors on my report. After several attempts to have these errors correct, I am still have my rights violated according to the laws and regulations of the FCRA. These accounts are showing errors in the form of inaccurate and different late payment date post by the accused credit agencies and also payment amounts etc. 
These inaccurate accounts are fraudulent and need to be correct or remove immediately. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, I have sent multiple disputes challenging the inaccuracies of the information listed on my credit report. The credit Reporting Agencies have Refused to Removed fraudulent accounts. I have attached Police Report and most recent Disputes along with a Notice of Intent to Sue
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I notified all three major credit bureaus ( XXXX XXXX Trans Union ) concerning invalidated information that was reported on or about XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and that I owed two medical seperate collections ( {$2100.00} & {$4000.00} ) that had been paid to the original creditors on or aboutXX/XX/XXXX ( See attached letter from Attorney XXXX XXXX. 

On or about XX/XX/XXXX, I responded to XXXX - XXXX XXXX XXXX XXXX by letter stating that the said collection of the two medical debits have been paid and requested that their claim was disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( XXXX XXXX, Trans Union ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. 

I have submitted three different letters to all three major credit bureaus ( XXXX XXXX Trans Union ) stating that the debit is not validate and should have never been on my credit report. To date all three major credit bureaus ( XXXX XXXX, Trans Union ) have not updated nor removed the inaccurate and invalidated information on my credit report but they have updated XXXX - XXXX XXXX XXXX XXXX reports and negatively affected my credit continuously.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.