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

I have sent numerous requests to XXXX, XXXX, and Experian to remove the inaccurate addresses off of my report and they sent dispute results back as verified but did not delete anything. You can't verify an address when I have provided the proof of address through my bank statement on where I currently reside and employed. They are reporting the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Bank account or service

I deposited XXXX in certified funds to my personal checking account @ Bank Of America on Friday XXXX XXXX @ noon. BOA is still holding XXXX of the money back, I called and the repoXXXX XXXX told me it was because I did not endorse the back of the check. Since 2012 I have been depositing hundreds of thousands of dollars in check for to BOA thru the ATM and not one of them have ever been endorsed. BOA allows you to scan the front of a check on your phone and deposit it. So the fact they are telling me they are holding the XXXX back because I did not endorse the check can not be true. Because they are holding these funds back I am now today negative XXXX in my account and XXXX checks are going to be returned NSF. Transaction layer mazuma credit union BILL PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX Processing Transaction layer XXXX XXXX PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX Processing Transaction layer ACH HOLD IRS USATAXPYMT ON XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD IRS USATAXPYMT ON XXXX as Reconciled XXXX XXXX Processing Transaction layer XXXX XXXX XXXX XXXX XXXX PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX How can a bank hold certified funds for 9 days and send me into a negative balance and my checks to be returned?
Product: Debt collection

Rauch Millikan at XXXX keeps calling me about a debt for a XXXX company I closed in XXXX. They say XXXX XXXX XXXX / XXXX XXXX has a collection debt from the Idaho XXXX. I said that is not possible. That company has not been in business for over 30 years. They said its from XXXX. Again, that is not possible. They said they are turning it over to there legal department unless I want to pay it now. I hung up. 

I called the Idaho XXXX. They confirmed there is no collection. There is no account for me. I have not subscribed to the Idaho XXXX newspaper in over 20 years. 

Rauch Millikan keeps calling me and leaving collection messages. 

From what I read in the Internet, this company has a lot of complaints in regards to trying to collect on old previously settled debts. They are a scam!
Product: Credit card or prepaid card

I took advantage of a no fee / no interest balance transfer promotion offered by USAA in XXXX XXXX. I have subsequently made the minimum monthly payments in order to maintain the interest free status of this transfer. On XXXX/XXXX/XXXX, I made an additional {$17.00} purchase on this card. Since that time, I 'm being charged interest on this purchase, despite the fact that I continue to make the minimum payments. I called USAA to inquire if I needed to pay an additional {$17.00} on top of the minimum payment to avoid future interest charges and was told that the minimum payment would avoid future interest charges. I was charged interest again on the subsequent statement and am now being told by USAA that I will continue to incur interest on this charge until the entire balance ( including the interest free balance transfer ) is repaid. I contacted USAA and requested that they either waive the interest going forward or provide a credit to my account in respect of the interest being charged. Despite a 27 year relationship with USAA, they have told me they do not have the authority to make this change and I will continue to incur interest on the purchase until the interest free balance is first paid in full.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX XXXXetter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C 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 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to express my concern regarding my checking account, which recently went into the negative due to financial hardship. I noticed that after it went into the negative, the system continued to process payments, resulting in additional overdraft fees. My account is not enrolled in any overdraft protection, and I was under the impression that if funds were unavailable, transactions would be declined rather than processed, leading to a {$29.00} fee for each. 
Once my account is in the negative, I believe subsequent transactions should be declined to prevent further financial strain. 
This situation has exacerbated my hardship, and I would appreciate your assistance in resolving this matter. I understand that the process might be automated, but l 'm hoping for a resolution that can prevent this issue from recurring. 
Thank you for your attention to this matter. 

My account is with USAA.
Product: Money transfer, virtual currency, or money service

Dear Sirs We are based in XXXX and doing import and export business. 
We sent XXXX to XXXX XXXX supplier in XXXX XXXX thru citi bank XXXX because supplier has account with citi bank XXXX. 
When supplier didnot ship our goods we suspected something wrong and we asked supplier to refund our payment of XXXX. 
They gave us agreement stating they will refund the money. 
We waiting XXXX month supplier said citibank XXXX is blocking the money. 
We contacted citibank XXXX they said we should send them recall swift messege thru our bank in XXXX. 
We did obtain recall swift messege from bank of XXXX and sent to citibank XXXX. 
Citibank XXXX giving excuses since XXXX month. 
Kindly look into this matter quite serious. 
Citibank XXXX protecting XXXX scammer but not helping us. 
We have all the documents to submit to you. Kindly take action and help us to get our payment. 

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

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

DEBT ISNT MINES experian put on my credit profile charge off not associated with me.
Product: Student loan

I was taken to collections because of a federal student loan. All communication was being sent to my freshman year dorm room for over 6 years before being contacted by a collections agency, though my cell phone number was provided as part of my application. I was never contacted by phone. This affected my credit substantially, and I now I have to pay additional interest and fees.
Product: Credit reporting

EXPERIAN IS THE ONLY CRA NOT REMOVING THE INACCURATE PUBLIC RECORD FROM MY CREDIT REPORT. XXXX AND XXXX HAS REMOVED IT AS SOON AS I PROVIDED THEM WITH PROOF OF THIS BEING INACCURATE. SAME INFO WAS SUBMITTED TO EXPERIAN BUT I KEEP GETTING THIS AUTO GENERATED LETTERS, ONLINE ACCESS IS NOT AVAILABLE AND IT IS IMPOSSIBLE TO GET AHOLD OF A LIVE PERSON OVER THE PHONE. MY LAST CALL TO EXPERIAN I WAS ON HOLD FOR 2.34 HOURS UNTIL I RAN OUT OF PATIENCE. THIS IS INACCEPTABLE, IGNORANT AND A VIOLATION OF MY CONSUMER RIGHTS. 
EXPERIAN IS NOT COMPLIANT WITH FCRA RULES AND REGULATIONS AND MUST BROUGHT TO JUSTICE
Product: Mortgage

My servicer, Select Portfolio Servicing ( SPS ), has made major errors in the following areas : XXXX. SPS mailed my trial modification to a strange company and did not use my address. XXXX. I became aware of my approval for a trial modification in XXXX and the XXXX payment was XXXX XXXX. XXXX. SPS has grossly inflated my income. All these errors were made in an attempt by SPS to cause a deliberate default on the trial modification. SPS prefers to profit from foreclosures. See attached - SPS mailed an approval to XXXX at an address that is not mine. I have never conducted business with XXXX. SPS informed me of my approval in XXXX and told me my XXXX payment was due XXXX XXXX. Finally, my pay stubs are attached. SPS falsely claims I make {$9300.00} per month. It is blatantly clear that they have confused my file with another. I have additional income with a rental property. This income becomes a wash when using the 75 % underwriting standard. My income was inflated by a XXXX dollars each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, I HAVE CONTACTED THE CREDITOR AND THERE IS NO NEW ACCOUNTS UNDER MY NAME. I HAVE SENT MY IDENTITY THEFT REPORT TO EQUIFAX FOR OVER A MONTH AND THEY HAVE NOT PROCESSED MY REQUEST TO REMOVE THE FRAUDULENT ITEM FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX XXXX XXXX Is reporting inaccurate information on my credit profile. 
I provided proof and spoke/ disputed with live a agent over the phone about the inaccuracy that is being reported on my consumer report. 
And the dispute resulted on my consumer credit reports says updated but nothing changed. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''
Product: Credit card or prepaid card

I opened an account with Synchrony Bank for a credit card through Sam 's Club. Everything was great for the first 10 months. I paid the bill in full, every month and on time.

Two months ago, I was unable to get online to look at my statement and pay my bill. I went to Sam 's Club to pay what the automated telephone line said I owe, but I have no idea what was charged, or if previous payments were processed on time, because I can't access my statement. I called customer service twice and when I got a customer service agent, I was immediately put on hold, mid-sentence with no explanation from the agent. I waited and no one ever came back. Called again and same thing happened. 

I want to close this account, but where's the address to do so? Complaints online of mail-in payments not being recorded, or mail being sent back by the postal service is concerning. Other customers are also experiencing these issues. I'm sure you're aware of that. 

I contacted Sam 's Club corporate to get them involved. And I complained to my local club. Apparently you can open an account easily and pay there, but you can't close the account through them either. Can you help?
Product: Checking or savings account

On XX/XX/XXXX, Remitly XXXX withdrew {$2200.00} from my checking account. I never authorized this transaction, and neither am I a Remitly customer. I have sent an email to the company requesting that the cash is returned immediately with no response as of now, and have also contacted my bank who said they will investigate. I am retired and cash tight, and thus this unauthorized transaction puts a big burden on me being able to pay for my rent, utilities and food. 
I appreciate your help returning my money to my account.
Product: Credit card or prepaid card

Synchrony Bank is not sending my Closed Credit Card account to Collections and continue to charge a monthly Late Fee. The Balance is not correct and inflated unlawfully I believe. I will be consulting an attorney when my health improves so I can seek Arbitration as I am currently dealing with multiple health issues which are not being improved upon by the stress of this situation all as a result of poor fraud protection by this Company. 
I am disputing the Balance owed and want the Account sent to Collections immediately then a payment plan can be initiated after the Balance owed is Corrected.

I would also like to make note of the Unfair reporting of this Account as Late since the Account is Closed and should be sent to Collections.

I have bills that Synchrony Bank keep sending me showing the Late Fee and will submit if needed.
Product: Credit reporting or other personal consumer reports

ecently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 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 PORTFOLIO RECOVERY, FIRST COLL RESO ,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.PLEASE DELETE IMMEDIATELY
Product: Checking or savings account

On around XX/XX/XXXX Bank of America Closed my checking account twice because of my Disabled Status and National Origin as a XXXX XXXX XXXXXXXX, this is a Discrimination and Retaliation issues and violations of my XXXX XXXX XXXX  under Department of Justice. 

My Bank of America checking account accounts was Closed twice. 
1.Account # XXXX ( Bank of America opened new checking account from XXXX XXXX , Texas with Bank Rep. over the phone, than it was Closed. 

2.This account I open at Bank of America Branch in XXXX, California around XXXX or XXXX..Account # XXXX
Product: Debt collection

On XX/XX/2023, DIVERSIFIED ADJUSTMENT attempted to collect money by XXXX XXXXon my credit. They are citing that it is a XXXX collection. XXXX has confirmed that they are not affiliated with this company and have not initiated this. They have no knowledge of any of this. I do not have any XXXX services at all. I have services with XXXX and have for years. Please stop attempting to collect money erroneously and remove this from my XXXX credit report. This is not the company 's first attempt despite being told this is not my account. They have provided nothing from XXXX. And XXXX has confirmed there is nothing to provide to me because I do not have an account. In retaliation they posted to my credit account again today.
Product: Debt collection

I have carefully reviewed my latest credit report and noticed a number of accounts that were added without my approval, which I believe are fraudulent.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed information regarding inquiries to be in error. Inquiries that I have no knowledge of and have not authorized.
Product: Credit reporting or other personal consumer reports

I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of four inaccurate accounts from pages 3 and 4 of the XX/XX/2023 Experian report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX  utility bill due XX/XX/2023 showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 

I will start with XXXX XXXX XXXX. I will file a separate complaint for the other three invalid accounts. On page four of the attached Experian report XXXX for XXXX XXXX XXXX XXXX the payment history shows okay for XX/XX/2023 with an amount paid of {$130.00}. The payment history also shows as okay for XX/XX/2023 but with no data for amount paid. This makes no sense. 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the XXXX XXXX XXXX  provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from the financial institution related to the account i.e. XXXX XXXX, XXXX, XXXX, XXXX and XXXX. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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. 
As a result, this invalid/ inaccurate XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.