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

On XXXX I deposited {$2900.00} in form of XXXX XXXX money orders, into my bank America account. I was advised at that time my account would credited the next business day. On XXXX the bank risk department decided to close my account without warning. The reason give me was I had two return check come back on my account from closed accounts. Now I have been a customer of bank of America since XX/XX/XXXX and in the last three months no prior return items. So I advised the release my cash to me then they advised me they would not until XXXX. I demanded my money then released {$340.00} but held the rest of my money {$2900.00} I just want my money and I will never do business with bank of America. Help Help!!!!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this letter to formally request your assistance in resolving an issue with Experian regarding their failure to address my dispute concerning the inaccurate and incomplete reporting of a XXXX XXXX account. 

On XX/XX/year>, I submitted a formal dispute ( Reference Number : XXXX ) to Experian regarding this account, but it has now been over a month, and I have not received any response. This delay is highly concerning, especially in light of the recent CFPB lawsuit against Experian, which alleges that the company engaged in sham investigations and failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). These allegations align closely with my experience, further deepening my concerns. 

The account in question, XXXX XXXX, was charged off with a balance of {$6400.00} written off and was closed abruptly without prior notice, despite my history of on-time payments. Following its closure, late payments were inaccurately reported, and I have yet to receive an IRS Form 1099-C for the charged-off amount, raising questions about the proper handling and reporting of this account. 

Despite providing detailed information and pointing out discrepancies, Experian continues to report incorrect information. Here are the key issues I have encountered : 1. Failure to Ensure Accurate Reporting ( FCRA Section 609 ( a ) ( 1 ) ) : Experian has failed to ensure the accuracy and completeness of my credit file, as required by law.

2. Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ( a ) ) : Experians response of verified as accurate was cursory and did not address the specific issues I raised or provide supporting documentation. 
XXXX. Negligence in Handling Furnisher Information ( FCRA Section 623 ( a ) ( 1 ) ) : Experian has not ensured that information provided by XXXX XXXX is accurate and remains incomplete. 
4. Failure to Disclose Consumer Rights ( FCRA Section 609 ( c ) ) : Experian has not provided a clear explanation of my rights during the dispute process or access to supporting documentation.

5. Potential Reporting of Outdated or Unverified Information ( FCRA Section 605 ( a ) ) : The continued reporting of a charged-off account without clarity regarding the issuance of a 1099-C raises concerns about the accuracy and timeliness of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently reporting an address on my credit report that is not mine. The address is also attached to a fraudulent XXXX account this is not mine as well which is currently hurting my credit negatively. I did not authorize Experian to publish the address on my report that I am not affiliated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Transunion, XXXX and XXXX for a year now. I have given them my police report & other supporting documents that I am an Identity theft Victim during the Pandemic & before. I had all my Gov. PUA benefits stolen. I have proven to them to take off accounts that were charged fraudulently or is not mine. I keep disputing and they disgaurd or will not let me download the proof. Transunion 's website to dispute you can not even download dispute because it always says error messages. I have had several health issues and anxiety panic attacks because of this. it has been a three year ordeal to dispute my credit reports and fix it without success. I have every right to have a good credit report so I can recover from my identity stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time i applied for driving job, my background check came back not favourable simply because of inaccurate information or perhaps CFPB has not updated/reconcile my driving record with XXXX. This has not been treating me fairly. I have ordered my driving record at XXXX and also send to the company that is trying to hire me, but i also need you to reconcile and update my driving records in line with XXXX records. Thanks.
Product: Money transfer, virtual currency, or money service

On Gemini I recently purchased about {$60000.00} worth of XXXX  ( a crypto they offer for trading ), and I tried to withdraw my purchase to an external wallet in my control and I was given an authentication error using the Authy app on XX/XX/XXXX when a sitewide Authy glitch caused this withdrawal to be stuck in pending mode. A crypto transfer should only take a couple hours maximum to transfer. Gemini has been unresponsive for 4 days over this matter and only replies back to my service tickets with generic responses instead of offering a fix for my withdrawal that is stuck in pending.
Product: Mortgage

My name is XXXX XXXX XXXX my loan acct # XXXX from PHH Mortgagor Services at XXXX XXXX XXXX XXXX XXXX   NJ XXXX  Tel XXXX  ) I paid in the amount {$2500.00} for last few year now. XXXX demanded me to pay in the amount {$4000.00} which was an increase 27 % because mortgage company wanted me to pay off my balance before maturity date XX/XX/2035. I was offered from my mortgage co I will pay in the amount {$3200.00} each month and r.emain balance I will pay off on maturity. I can not afford the demand from mortgage co According on the agreement on section 5 if borrower still owns any amount under note ... the borrow will repay these amount in full by that date -- XX/XX/2035 ) Mortgage try to forcing me to short sell my house ( I never late payment ). 
Please help me to get afford payment and with reason amount and according per agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my XXXX Credit report and noticed a false inquiry for a alleged loan application, I did NOT do this and the company said they are only a third party agency to file with CFPB.
Product: Credit reporting 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. 


Account Name : XXXXXXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX 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.
Product: Checking or savings account

Capital one did not notify me that my account was restricted. They claimed I was negative for56 days when I had 2 deposits in between the time period. They allowed me to have overdraft protection and never restricted it. They closed my account and refused to allow me access to funds for over 2 weeks. I'm a XXXX  and no ability to access my XXXX XXXX has left me with no food or car. They refused to help or even transfer funds to an open savings account with them despite my pleas and knowledge I would be without food. Capital one can transfer funds instantly better there accounts. I've been a customer for years with regular deposits and using their overdraft protection As advertised. This is the most unethical and uncaring financial situation I've encountered in XXXX XXXX of life v
Product: Credit card or prepaid card

I talk to Barclay card on XX/XX/2017 to try to active my credit card and they told me that my ss # do not Mach with the information that I give them ( but they send me the card ) because I do not fell secure on this credit card I want to cancel, but know they want to get this documentation from me to be able to cancelled, my ss #, my drive licence, an a house bills. 
I call them and I find out that they are not in the United stated, and I do not want to send this information out of here, but they charging me {$99.00} dollars without using the card I get involve to this card XXXX XXXX XXXX card and this is manage by Barclay card
Product: Debt collection

WELLS FARGO DEALER SVCS
XXXX XXXX XXXX XXXX, NC
XXXX
HAS BEEN SENDING ME COLLECTION NOTICES. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

SEQUIUM ASSET SOLUTIONS at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Has been sending me collection notices in the amount of {$390.00}. I do not k now this company nor have I done business with this company also there is no contract with my signature for this " debt ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact YOUR CREDIT AGENCY and have informed you that I am a victim of identity theft and that XXXX in the amount of {$1300.00} account is a result of identity theft and so is XXXX XXXX XXXX IN THE AMOUNT OF {$1100.00} YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, in non-alignment with XXXX and XXXX, is listing my previous address as my current address and my current address as my previous address! This is a problem for it shows a discrepancy on my credit reports which shouldn't exist.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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.
Product: Credit card

On XX/XX/XXXX I received a letter from Paypal Mastercard DBA Synchrony Bank that my credit limit was reduced to {$100.00}. Their reasons were there were too many denied payments using a debit card through paypal wallet in 12 months, current ultilization on Paypal/Venmo Credit account , variance between Credit limit and Balance on Paypal/Venmo Credit Account in a prior month,, and difference of credit limit account and balance on Paypal/Venmo credit account in last month . 

I have always made payments on time to my paypal credit card and credit line accounts even paying more than the minimum due. I even paid off my credit card. Paypal is retaliating against me or paying off my card. I expect my credit limit be reinstated to the {$1700.00} that is was if not more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. they use automated response system XXXX to keep on fake verfications The entry reads : [ Repossession : Accounts seriously past due ] [ XXXX TransUnion Account # : XXXX -- -- High Balance : {$16000.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$13000.00} -- -- Closed Date : XXXX -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Miscellaneous Finance -- -- Account Status : Closed -- -- Payment Status : Repossession -- -- Creditor Remarks : Repossession -- -- Payment Amount : {$500.00} -- -- Last Payment : XX/XX/XXXX -- -- Term Length : 48 Month ( s ) -- -- Past Due Amount : {$13000.00} -- -- Account Type : Auto Loan -- -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ). 
This account was paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Had Chase credit card for 7 years with auto-debit to a bank account never a problem. For some unknown reason ( postal service included ) they cancelled the credit card and auto-deduct from my bank without myself receiving any notification that the card was stopped until I tried using it. In mean-time balances not being paid over a few months  Chase Explorer Card notified credit agency and reduced my FICO score  that has been " very good " for 40 years and accrued interest and fees on my balance. I might add that I believe they charged my account an annual {$95.00} fee the month prior to cancelling the credit card.
Product: Credit reporting or other personal consumer reports

Good day, I am deeply concerned about the unauthorized information being reported on my credit file. I never gave permission for this data to be included, and its presence is a clear violation of my right to privacy. Its disheartening and insulting to see this false information negatively affecting my credit score and tarnishing my reputation. Due to your negligence, Ive faced multiple denials on new credit applications, which is causing unnecessary stress and impacting my financial stability. Im requesting the immediate removal of this unauthorized information from my credit report.
Product: Debt collection

Company filed a negative comment on my credit report. Did not receive any written communication from them.? This company inundated my land line for several consecutive days. I would not give them any of my personal information because I was unsure if they were a scam for my identity. I asked them to send me the invoice and also I was told that it will be put in dispute STATUS AND WOULD NOT BE ON MY Credit report till they here back from the creditor. next thing i know its on my credit report and I never received the invoice till this day!!!! but they added a derogatory comment on my credit report.I DESERVE VAILIDATION OF THE DEBT.
Product: Credit card or prepaid card

In XXXX I ordered an XXXX computer from XXXX   on easy pay. My order number was XXXX my name is XXXX XXXX. The computer came to my home and it was too large and bulky. Since it was a XXXX time order I could send it back which I did around XX/XX/XXXX. Not hearing from XXXX I called customer service and was told they received the computer and issued a credit of {$220.00} on my credit card. I kept checking my card and there was no credit so I called back Cust service was again assured my credit was issued  and should show up. Today still no credit called again today XX/XX/XXXX and was now told there was a hold put on my return and she didnt know why but corporate could help. No one answers the phone at corporate you just leave messages. They have stolen {$220.00} from me that I want returned ASAP. According to consumer reports they have numerous complaints against them for this very reason. My name iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Report Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) After reviewing my recent credit report, I have identified the following inquiries that I do to recognize or authorize : Disputed Inquiry : 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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; 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

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account # 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX account # 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX account # 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9700.00} Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. This is the 3rd attempt to fix these issue and response These consumer reporting agencies are in violation. According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. And They also didnt even record the current status of the disputed information which is another violation. Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.and also reference to accounts that fall into these claim
Product: Vehicle loan or lease

All rights and interests in the original promissory note signed by me and kept by Navy Federal have been transferred to Navy Federal in order for them to release the funding escrow to offset the debt pursuant to 12 cfr1026.23.