23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Log in Weve accepted your deposit. 
Status : Accepted Your deposit should be available within one business day. In most cases you will have access to at least the first {$220.00} right away. In some cases, it will take one business day to make the entire deposited funds available. 
Date : XX/XX/2023 Amount : {$200.00} Account ending in : XXXX Hold on to your check. 
Wait to shred your paper check for at least 2 business days in case we need more details. You can view images of your check in your apps mobile deposit history. 
If you have questions, visit our mobile check deposit FAQs for help. 



















XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX : This is the second letter in 30 days I am writing to you and the issue has yet to be resolved. Again, I am being taken advance of ( maybe because of age ) and another late fee applied. 
I will follow up with a complaint to the Comptroller of the Currency 's ( OCC ). 
Yesterday I received a call from US Bank stating again my account was past due! 
Wrong, I made the payment five days ago XX/XX/2023. Enclosed is a document. 
My phone number XXXX, check your incoming calls. 
I was lied to again and the phone calls on XX/XX/XXXX and XX/XX/XXXX should be reviewed by your staff and Comptroller of the Currency 's ( OCC ). 
US Bank has such a cavalier attitude or maybe because I am XXXX XXXX XXXX. 
I know this will effort my credit score. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NC XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX : This is the second letter in 30 days I am writing to you and the issue has yet to be resolved. Again, I am being taken advance of ( maybe because of age ) and another late fee applied. 
I will follow up with a complaint to the Comptroller of the Currency 's ( OCC ). 
Yesterday I received a call from US Bank stating again my account was past due! 
Wrong, I made the payment five days ago XX/XX/2023. Enclosed is a document. 
I was lied to again and the phone calls on XX/XX/XXXX and XX/XX/XXXX should be reviewed by your staff and Comptroller of the Currency 's ( OCC ). 
US Bank has such a cavalier attitude or maybe because I am XXXX XXXX XXXX. 
I know this will effort my credit score. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, XXXX pleasseeeeeeee its been over 198 days still no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$16000.00} ), XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$9800.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$27000.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$12000.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

I have a mortgage with BBVA Compass Bank. My insurance agent regularly bills Compass Bank at the end of each year. Compass Bank is then to pay out of my escrow funds. On XX/XX/2016, Compass Bank debited {$1000.00} for my insurance policy for the XX/XX/2016 year. They then claimed that they did not have evidence of my insurance. They then debited {$630.00} for their own insurance on XX/XX/2016 despite having records of the existing insurance. After resubmitting proof of this double charge, Compass Bank only refunded my account {$200.00} of the {$630.00} they charged for duplicate insurance. 
I have tried to contact them only to be hung up on through their automated answering service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for Discover Card ending in XXXX ; permission was never requested from Discover nor given to allow for the over-the-limit-fraudulent transactions. In addition, Discover did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully Discover is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. Discover states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. Discover did not follow Section 1026.56 of Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired an attorney and paid him fully. He told XXXX XXXX XXXX  XXXX I owed {$500.00}. The amount being reported now claims I owe {$580.00}. The attorney retired shortly after finishing my legal work. I have denied owing this money and requested documentation showing I owe this money. Experian Asked XXXX if I owed this money. XXXX claimed I did but could not provide any documentation justifying I owe this money. XXXX says I owe this, I deny it, and Experian Takes their word I owe this when I do not. Experian refuses to remove the collection from my credit report. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX  XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX. 
Status XX/XX/XXXX Balance {$580.00}
Product: Checking or savings account

I accidentally deposited a check that I thought was my VA XXXX monthly allowance. Similar amount to my usual monthly deposit. I realized the error after the fact but the bank was closed. I had to wait until the next business day in order to fix the error. My VA monthly allowance was deposited electronically to cover the negative balance. I then requested that the account be closed due to it being compromised. They closed the account per my requested but then reported me to XXXX even tho I fixed the error the next business day. US Bank - XXXX is unethical in their banking practices and should be further investigated. I have document proof, bank statements, and receipts in order to have my name removed from XXXX.
Product: Debt collection

I have previously contacted CFPB ref:XXXX-XXXX as of XX/XX/2019 the respondent has Sold the Debt to L J Ross Associates In. 

Reported By L J Ross Associates In XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/2019 Creditor Class Utilities Client Name XXXX XXXX XXXX XXXX Original Amount {$550.00} Again, Multiple Letters have been sent to XXXX, and their collection representatives now AT LEAST 5 times ( including over 30 phones calls in the last 2 years ). I am writing this letter in response to the information your company has placed on my credit reports.. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you, and not an invoice. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license number and Registered Agent Number If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sent Via USPS TRACKING XXXX ADDITIONALLY : I HAVE SPOKEN TO XXXX, REPRESENTATIVE OF XXXX ADMITTED VIA TELEPHONE CALL IN XXXX of 2019 THAT THE ACCOUNT USED IN QUESTION WAS A FRAUDULENT ACCOUNT AND WOULD BE CLOSED/BLOCKED/BAN. XXXX HAS BEEN PROVIDED WITH COPIES OF MY STATE ISSUED ID AND COPIES OF MY TAX RETURNS FOR THE YEAR IN QUESTION.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau is reporting an account XXXX XXXX XXXX XXXX. However, the account dismissed by Michigan District courts in XX/XX/2019. I have been providing the court documentation for several years now. In addition, I have spoken to various representative and every representative tells me their are no supervisors available to speak with me and someone will call me back. However, I never receive a callback from the supervisor. I asked for Experian laws & requirements as it relates to FCRA. The representatives refuse to provide the information and tell me to get the information from the Federal Trade Commission. Experian acknowledged the documentation is legitimate. However, they are still reporting false information on my credit report for over 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used to access personal bank accounts, change login information, alter account activity notifications, access personal emails, impersonate me for fraud, withdraw funds from my personal bank accounts, use existing cards to make transactions, request credit line increases, use my credit information to get approved for purchases, credit applications, apartment verification, alter my personal data, access my online accounts ( social media, third party payment apps, employment verification ), resolve debt collection issues, and ruin my credit score.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I went on to borrow {$900.00} from Green Trust Cash LLC I had no idea that they would charge 700 % interest amounting to {$5000.00} over the period of repayment.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I have reported this to transunion several times and asked how they verified this information but the refuse to acknowledge my request. The information listed below, which appears on my credit report, is the result of that XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items USDOE/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX, XXXX, XXXX ; XXXX XXXX; XXXX XXXX XXXX XXXX , NY XXXX ; XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been trying to dispute some inquiries on my credit that have really impacted my score. I did not authorize them at all to be pulled, I have tried to work with customer service to have them deleted however they have not been very helpful and they continue to give me the runaround to call here and there. I am very frustrated at this point and I am writing to you guys so hopefully you can help me out. The inquiries that I am speaking about are the ones below. 

XXXX XXXX XXXX XXXX XXXX should of only been once. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They didnt do anything but told me that is was going to stay on my credit.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a 3rd party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

I do not recognized these credit inquires and I have asked for them to be removed and the bureaus did not do as I asked. I'm providing an identity theft report which I will attached to this. I'm requesting for them to be removed because they are inaccurate and are not mine.
Product: Credit card or prepaid card

I made a timely dispute of a vendor transaction for XXXX amex didnt submit it timely. 
then we submitted it a second time with a promise that if the vendor didnt respond, they would refund me. 
The fraudulent vendor of course didnt respond, but amex refuses to refund me.
Product: Credit reporting or other personal consumer reports

I was affected by the XXXX XXXX XXXX and these accounts listed are fraudulent along with hard inquiries I have attached a report I filed with the identity theft.gov I need these accounts removed and inquiries removed immediately Accounts # XXXX XXXX XXXX Account # XXXX XXXX XXXX dba grid Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN UNSUCCESSFUL IN GETTING PORTFOLIO RECOVERY ASSOCIATES, LLC WHOM I HAVE PAID MY ACCOUNT BALANCES AND HAVE PROOF OF THE PAYMENT ARRANGEMENTS WE MADE AND WERE PAID OUT DIRECTLY FROM MY ESCROW ACCOUNT TO SHOW PROOF THEY HAVE BEEN PAID IN FULL AND THEY CONTINUE TO FRAUDULENTLY DENY MY REQUEST TO UPDATE MY CREDIT REPORT TO SHOW MY ACCOUNTS HAVE BEEN PAID IN FULL. I HAVE TALKED TO THEM SEVERAL TIMES OVER THE PHONE AND THROUGH XXXX XXXX I HAVE BEEN FIGHTING WITH THIS FOR THE PAST 3 MONTHS.
Product: Vehicle loan or lease

I purchased a vehicle though XXXX XXXX auto financed company is IDA loan agreement started in XX/XX/XXXX and I did not get a tag till late XX/XX/XXXX due to the inconvenience IDA was going to give me a deferment on my loan which that never occur I have run a month behind ever since because I was under the impression that it was granted my vehicle was reposed because they are saying now that am two month behind, I requested to speak to a manager in several occasions and no return call, I also send emails and no reply. Last Friday my vehicle was not in the parking lot where I parked it when I called them they transfer me to a Mrs. XXXX repo manager now she is saying I have to pay the loan in full if I want to retain the vehicle. I don't have those funds available and how is that my fault when I have try to communicate with them in numerous occasion and they where not responding to my plead.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquiries. The hard inquiry is result of what I believe to be identity theft and must be removed no later than 4 business days as per 15 USC 1681C-2.
Product: Credit reporting 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 Dispute DepartmentExperian XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Unauthorized Collection Account on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 

Dispute the validity of the debt within 30 days of receiving the notice. 

Request verification of the debt before any further collection efforts are made. 

If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement informing the consumer of their right to dispute the debt within 30 days. 

A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple complaints against Transunion and XXXX for failing to abide by the fair credit reporting act. I jave uploaded proof to show they have lied. Now they have locked me out of my accounts. Transunion has locked me out of my account, so I can no longer monitor my credit report or score. XXXX has locked me out of my account so I can no longer monitor my credit report or score. They have done this out of retaliation. I call them and the system won't connect me with anyone and hangs up.