23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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

Hello my name is XXXX XXXX, I tried making a deposit through a citizens bank atm on XX/XX/2024 at XXXX XXXX. I entered my cash of {$1100.00} into the atm, it did not read the cash that was entered and as the atm tried returning my money I received an error saying we encountered a problem returning your cash. Please contact your financial institution.. I had gotten a printed receipt of that message too. So no money was returned back to me and no money was deposited into my back account. All I got was a receipt with that error message. So I contacted citizens through their number and told them what had happened and they deposited the money into my account and told me that they would look into that atm because of the problem that had happened to me. A couple weeks go by and they take that {$1100.00} back out of my account because they said due to further review they had not seen no issue with that transaction and pretty much said I was lying about it. So I had told them I have physical proof of the error because I kept the receipt and I emailed it to them so they can look more into it for now a second investigation. Now because of their error I have to wait 5 business days for them to reach back out to me with a new answer. So after this is all handled I am cancelling my account with them and I am going to a different bank as this was by far the worst experience Ive ever encountered with a bank. And I do not recommend anyone to join this bank due to their lack of service.
Product: Credit reporting

They are reporting XXXX and light on Equifax. They are reporting the same account twice. When I mentioned this to the equifax rep they said well the account number is the same, the balance is the same, but the date opened is NOT. Therefore it is NOT a duplicate by our standards. I contacted XXXX and light. They said to me that they do NOT report to equifax they report to XXXX and furthermore they had NOT received ANY response from equifax regarding my dispute!!! So equifax is n't even investigating my dispute at all!! They also said that there is only XXXX account and have no idea where equifax is getting their information. They are mailing me a form to fill out regarding the XXXX account that is in dispute. Equifax refuses to investigate anything I dispute. They do NOT investigate my inquiries. Within two days they come back with their findings!! Their agency needs to be investigated for failing to do their jobs.
Product: Credit reporting or other personal consumer reports

I have provided my photo XXXX  along with required documents. 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions ''
Product: Debt collection

I have already paid the debt and was informed by collections that this debt would be removed from my credit report.
Product: Credit card or prepaid card

Initial disputes for 3 fraudulent charges on my Bank of America Visa card on XX/XX/XXXX & XX/XX/XXXX. 
Notified Bank of America & they resolved by crediting the fraudulent charges & cancelling my credit card & issuing me a new credit card. 
Next statement with new credit card, there was another fraudulent charge of {$200.00} for an on line purchase from one of those same companies, XXXX XXXX. 
This time when I notified Bank Of America of the additional fraudulent activity, I was told they probably gave XXXX XXXX my new credit card information which doesn't make any sense to me. They told me to contact the vendor, XXXX XXXX, to resolve even though I never dealt with them before. 
I contacted XXXX XXXX through email & she cancelled the fraudulent account that some one set up with my credit card information. She said she couldn't credit me for the {$200.00} fraudulent charge because a package was sent to me even though I never ordered or received anything. She told me to notify Bank Of America of the fraudulent charge, which I did. 
Bank of America never identified the second charge as fraudulent & even charged me interest on the disputed portion of my statement. 
The next month, I paid the disputed charge so that I wouldn't be charged any additional interest or late fees. 
On XX/XX/XXXX, I sent Bank of America a final letter advising them of this & asked to have my credit card cancelled because of this. 
I have copies of all correspondence to verify my claims.
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, XXXXXXXX XXXX  XXXX XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States l 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: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX cant enroll in Zelle with email XXXX or XXXX when I try those emails I get a error message saying please try enroll again later and for XXXX I need that to be unblocked or unrestricted it was blocked or restricted for no reason and same for XXXX I need that to be unblocked or unrestricted it was blocked or restricted for no reason and when I called in they say my Zelle feature account was restricted I dont know what for and I need it to be unrestricted or unblocked or both I didnt do nothing wrong to get it restricted or blocked and when I try to use a email to enroll in Zelle at XXXX XXXX it say we apologize for inconvenience please try again later etc and this We couldn't enroll XXXX. Please try again later. at XXXX XXXX please fix my issue etc.
Product: Mortgage

Wells Fargo Home Mortgage have informed me, ( See letter attached ) that they intend to charge Mortgage Insurance Premiums on my mortgage at {$260.00} per month until XXXX XXXX regardless of the value of the property with respect to the outstanding mortgage, ( " ... .new appraisals will not be taken in to consideration. When I took out the mortgage I was told MIP was payable so long as the LTV was greater than 80 %. I was then told that the MIP was payable for 5 years regardless of LTV, which would be until XXXX XXXX : Now it 's XXXX. This is despite the fact that my house now values at {$400000.00} with an outstanding mortgage of {$250000.00} which is an LTV of 65 % as of today! I regard this as a predatory and fraudulent lending practice. I am being forced to purchase MIP when it is completely unnecessary which Wells Fargo is completely aware of, at {$3100.00} per year until XXXX! This is a deliberate oppression of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised in the data breach reported today XXXX/XXXX/2017. The data security at Equifax should have been much more secure, and the executives selling stock before releasing this information to the public seems to me like blatant insider trading.
Product: Checking or savings account

My card was stolen by my coworker or his cousin, He came over my house on XX/XX/XXXX around XXXX because we had to work on a project for our job. He also arrived with another person who I dont know the name of. He said it was his cousin so I didnt have a problem with it, I ended up falling asleep around XXXX once we finished our assignment I woke up to my XXXX XXXX missing, my wallet with my cards inside of it and my ID, And I keep my card pin written down on a sticky along with other documents that I keep XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That safe is also missing and the keys to open it is also missing to, I also believed that he XXXX guessed my pin to my card because its the year XXXX XXXX XXXX XXXX  so its not that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I always talk about my son to everybody, His name is XXXX XXXX, XXXX XXXX XXXX XXXX and he stays in XXXX XXXX  Ive never been to that side of town a day in my life and the location where the ATM transactions happened at is almost XXXX min away from my home address. Also it took me a couple of days to report this incident because my phone was stolen and I had XXXX so I had to quarantine for the past XXXX  days because I havent been able to log into my XXXX since XX/XX/XXXX or any of my other bank accounts to see that my money was being stolen, I couldnt call because I didnt have a phone at the time and didnt know the number to call Ive also tried contacting XXXX him now that I have a new phone but theres no answer. he doesnt work at my job anymore so its nothing I can do unfortunately even the job tried contacting him to but it was no answer also hopefully I can get my money backI also had money that was scheduled to be moved from my XXXX XXXX  account to my Huntington bank account automatically XXXX number to my claim is XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I obtained a copy of my Consumer File from Experian. After looking over my Consumer File I noticed that their were a lot of errors in Experian 's reporting. On XX/XX/2023 I mailed a certified letter to Experian, ( that they received on XX/XX/2023 ), demanding that they validate these inaccuracies with 100 % MAXIMUM ACCURACY. The accounts in question are as follows : XXXX. Company : XXXX XXXX XXXX ( I DO NOT RECOGNIZE THIS LENDER AND ACCOUNT ) 2. Company : XXXXXXXX XXXX XXXXXXXX ( I HAVE NO KNOWLEDGE OF THIS ACCOUNT ) 3. Company : XXXX ( I DON'T REMEMBER EVER BEING LATE MAKING A PAYMENT ) 4. Company : XXXX ( I DON'T REMEBER EVER BEING LATE MAKING A PAYMENT ) 5. Hard Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2023 ( I did not authorize them to complete a Hard Inquiry on XX/XX/2023 ) I informed Experian that I DO NOT recognize this information and to investigate and verify with 100 % MAXIMUM ACCURACY with the original creditor. I gave Experian 30 DAYS to provide me with the following information : *I requested copies of documentation associated with these accounts bearing my signature. 
*Statements and records of all payments. 
*I also demanded that Experian remove these errors in their reporting if they could not validate with 100 % MAXIMUM ACCURACY. 

Today is XX/XX/2023 and I HAVE NOT RECEIVED ANY RESPONSE VIA THE ADDRESS PROVIDED ON THE LETTER that was sent to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a debt validation letter to Transunion and XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it with Transunion in the past. I was advised to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against Transunion as well as XXXX XXXX XXXX for violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency provide the method of verification for items disputed in my recent complaint. I will list those items below.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report.

Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items.

Documentation or evidence supporting the verification.

A detailed explanation of your verification process. 
If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 

These are the items claimed to be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The content mentioned above has never been certified to meet reporting standards. The data provided has never been proven to be accurate, complete, or up to date. In order to comply with any consumer legislation, documentation confirming compliance is required. The information supplied is insufficient and I demand that any wrong, incomplete, or unsupported material be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Employers : XXXX XXXX
Product: Debt collection

I contacted " Commercial Acceptance Company '' on XX/XX/23. I made the representative aware that I had medical insurance coverage for the date of service, and my insurance company was responsible for this bill. The original collector XXXX XXXX XXXX XXXX XXXX ) neglected to document and bill my insurance company -- then, sold my debt to Commercial Acceptance Company. I received a notice in the mail from Commercial Acceptance Company, and spoke to them 1 time. I was under a lot of stress ( which is documented ) due to a car accident, XXXX pandemic, death of family member, loss of my home, and trauma -- and asked for additional time to return their call. I followed up with Commercial Acceptance Company on XX/XX/23, and the representative was very nasty -- as she kept talking over me and didn't allow me to finish my sentences. I told her that I had insurance coverage at the time of services -- and that XXXX XXXX neglected to bill my insurance company. The representative refused to accept my insurance information so that this bill could be paid in full. I'd like a copy of my signature showing that I agreed to pay this bill -- as opposed to my medical insurance company paying the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received an alert from Experian Credit services indicating someone used my information to open a fraudulent account with the XXXX XXXX  XXXX of XXXX XXXX Texas on XXXX. Upon further investigation this fraud was confirmed and the account was closed. 
I am currently working with XXXX  XXXX XXXX and Experian to have this account removed from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Last month, sometime on XX/XX/XXXX, I received a collection letter from PRESSLER , FELT & WARSHAW , LLP trying to collect on an alleged debt with XXXX XXXX XXXX XXXX XXXX that is also part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Product: Debt collection

Upon reviewing my most recent credit report, I found multiple accounts that I believe were added without my consent and are incorrect. I request that these fraudulent accounts be blocked and removed from my report immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received a notification that my credit score had dropped by XXXX points based on a 30 day late reported by my credit union XXXX XXXX XXXX XXXX - based in Illinois ). I called the collections department to inquire why they reported a 30 day late on my credit report when I was granted a 2 month extension on my personal loan ( which I had never been late ). The 2 month hardship extention was granted XX/XX/year> ( which would have fast forwarded my next due date to XX/XX/year> ( mind you it's XX/XX/year> ). Based on the fact that I'm XXXX and receive my only source of income on ( or shortly before ) the first of each month, I made my XXXX payment on XX/XX/year> for {$180.00} via electronic transfer from my other FI. Unfortunately, that payment was returned due to insufficient funds on XX/XX/year>. In my mind, I believed I had until XX/XX/year> to still make this payment and not be penalized. The collection agent attempted to explain that because of the NSF payment, that voided the hardship extension and pushed my due date back to XX/XX/year>. Obviously shocked at this revelation, I'm frustrated because this was not explained to me when I originally applied for the hardship extension! Now my credit score is affected and they won't fix it.
Product: Credit reporting or other personal consumer reports

There have been several accounts that appear on my credit report that doesnt belong to me. I have attempted multiple times to clear this matter up but to no avail. 15 USC 1681
Product: Checking or savings account

I woke up on the morning of XX/XX/2023 to deposit a check onto the Chase online banking app and did so successfully into my checking account but noticed that my savings account which had over {$350.00} dollars in it was completely gone and I was left with only a negative balance I had in my checking account. That was all the money I had and now XXXX cant pay bills or do anything. I contacted the customer service and I was told they closed my savings account the day prior due to inactivity for 69 days which makes no sense. I went to ten branch downtown in person and spoke with a representative there and was still given no clear answers as to where my funds went or why it was closed and she pulled up my activity and it showed I used the checking account multiple times. She called someone on the phone and all they told me was I need to file a claim or I could wait 2-3 days to have my funds available in my checking account but rn I have nothing and nobody can give me any clear answers. Its like the bank just stole my money.