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

I am writing to bring to your attention a matter of significant concern regarding the recent denial of credit extended to me as a consumer. As per the regulations outlined in UCC 1681a and the Bill of Exchange Act, such denial goes against the Truth in Lending Act and raises serious questions about fair and transparent lending practices.

I wish to highlight that as a consumer, I have the right to credit as per the provisions of the Bill of Exchange Act. It is imperative that you adhere to the legal framework governing credit transactions and ensure that my rights are respected in this regard.

I am deeply troubled by the denial of credit and the lack of proper justification provided for this decision. It is my firm belief that I am entitled to receive the necessary information and explanation regarding the denial, in accordance with the provisions of UCC 1681a and the Bill of Exchange Act. 

I urge you to promptly investigate this matter and provide me with the required documentation and details related to the credit denial. You have a period of ten days to respond and resolve this credit transaction in compliance with the relevant laws and regulations.

Furthermore, I request that you resolve this matter by promptly sending me the perks or benefits that were promised to me as part of the transaction that took place. It is imperative that you honor your commitments and fulfill the terms of the agreement made with me as a consumer.

I expect a swift and satisfactory resolution to this matter, and I trust that you will take the necessary actions to address this issue promptly. Failure to comply with the regulations outlined in UCC 1681a and the Bill of Exchange Act will result in further escalation of this matter through legal channels.

Thank you for your attention to this urgent issue, and I look forward to receiving a prompt response from you within the stipulated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame
Product: Credit card or prepaid card

After COVID I am doing audit of airline and charges that was overlooked in XXXX, XXXX My nephew graduated from XXXX in XX/XX/XXXX We were charged for cap and gown and ceremonies {$1600.00} to my nephew XXXX Screen shots attached On XXXX, XXXX I was charged by XXXX  for {$1300.00} which I do not know what for I requested a credit of graduation ceremonies, cap and gown which was never held due to COVID Now I see to date thru all my subsequent statements that no credit or refund was given Thgis complaint complements additional info on # XXXX
Product: Credit reporting or other personal consumer reports

Capital one placed a ( collections /charge off ) on my consumer report without my written consent or instrusctions nor did they provide Full disclosure prior to making such report.
Product: Debt collection

My wife, employer and I have received multiple calls daily for the last week regarding a legal matter. Messages state that court papers would be filed in my County of residence. When I return calls no one will give me specific information.
Product: Checking or savings account

Consumer Complaint Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Issue : Unjustified Delays and Denial of Monthly Check Deposits Due to Name Discrepancy I am filing this complaint due to repeated delays and denial of my monthly check deposits. For the past two months, my checks have not been deposited, preventing me from accessing my only source of income.

Most recently, my check was denied again, with the claim that my name was incorrect. I was married in XX/XX/year>2024 and legally changed my name to XXXX XXXX XXXX. My updated identification reflects this change, but my account was initially under XXXX XXXX. After my check was rejected, I followed all instructions to correct my account information to match my official records. Despite complying with these requirements, my check is still being denied. 

Additionally, I discovered that a deposit of {$180.00} was allowed into my account last month under the same exact name used to deny my full check this month. This inconsistency suggests that my funds are being arbitrarily blocked without a valid reason. 

This situation has caused me significant financial hardship. I have been without my monthly check for months, making it difficult to afford basic living expenses. The ongoing delays are also causing extremeXX/XX/XXXXandXX/XX/XXXX. I can not continue living without access to my funds, which are my sole source of income.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how Is that possible if the open date IS inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is still open and in collections. 
This ground for removal they also violated my rights under 15U.S.C 1681 section 602 A. States have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Robinhood is an outfit that does business on line and if you need assistance it will be by automatically generated website. 
For the past couple of weeks I am trying to get in touch with them to get my money and was not able to. 
The text below is exactly what I sent to Robinhood I don't understand what you mean by issues resolved. 

I have provided you all you asked for and still my account is restricted. 

You have locked my account and my money and there is no real way to get in touch with you. An outfit without a customer support phone number is not what I will consider and I got fooled. 

Instead of sending automated emails, why not solving the issues. 

What else do you need to reactivate. 

All that was asked was provided. Please tell me what is it that you are waiting for to resolve this and a way that I can provide it to you without having to go the account page because it is restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been leasing cars from XXXX back from XXXX and always had them on auto payments. My last car I leased in XXXX, XXXX. In XX/XX/XXXX, I set up an auto payment so going forward - XX/XX/XXXX, XX/XX/XXXX, etc my payments would be automatically deducted how I always had it. Suddenly XX/XX/XXXX I receive a credit monitoring alert about late XXXX payment and a huge drop in my credit score. If I wouldnt be monitoring my credit score I would never find out about it. I set up an auto payment for a reason- to set it and forget it. And I would assume if XXXX wouldn't receive a payment they would make an attempt to contact me via email/phone number. There was an obvious glitch with Hondas website system because when I found out about missed payment through the credit alert I tried to log in to my XXXX online profile but it totally disappeared and I had to add all over again with the help of Hondas customer service. Its not my fault that Hondas website had a glitch, besides that no one had a decency to contact me and let me know about the late payment they went ahead and reported me to credit bureau. I always had a perfect payment history and I had no problem making a payment. I know I set an auto payment. The minute I found out that something was missed I made a full payment. So my credit report and score should not suffer due to Hondas systems glitch, careless customer service and negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my Equifax report it is reporting inaccurate information. Equifax also is not updating my information every month as it should. I have a XXXX XXXX auto loan on my Equifax report is shows no new data or reporting since XX/XX/2021 which is showing I have a reported balance of {$4500.00} which is inaccurate and affecting my credit score. Equifax also shows that I have XXXX late payments, and this is inaccurate and negatively affecting my payment history rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

IMPORTANT TO NOTE : We are wintering in XXXX XXXX XXXX, AZ from XX/XX/XXXX to XXXX XXXX. After returning to XXXX, our address will be : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and our phone number will be : XXXX. Email remains the same. 

XX/XX/XXXX : My husband tried to withdraw {$500.00} USD from the CHASE ATM at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ with his XXXX debit card. ( I am joint on the account with him. ) He got a slip with the date, time, ATM address, last XXXX digits of his XXXX #, Term ID and Sequence # on it, no withdrawal amount printed, slip attached. HE DID NOT GET THE MONEY ; however, our XXXX bank shows the money withdrawn, bank printout attached. 
XX/XX/XXXX : I called XXXX Lost or XXXX, XXXX, spoke to XXXX. No help. Our bank needs to inquire. Phoned our bank, XXXX XXXX, Lost or Stolen, XXXX, spoke to XXXX. Need wait until XXXX XXXX opens Tuesday, XX/XX/XXXX. 
XX/XX/XXXX : Started the lengthy process of contacting our bank, receiving, signing and sending back an Indemnity Agreement, copy attached, and phoning and emailing back and forth with them, copy of communications attached. 
XX/XX/XXXX : Indemnity Agreement XXXX XXXX XXXX, received, signed and emailed back to our bank. 
XX/XX/XXXX : Emailed our bank to follow up. Our bank contacted their settlements ' department who has heard nothing from CHASE. 
XX/XX/XXXX : XXXX went to CHASE. They will not talk to him as he doesn't have an account with them. XXXX commented, " We've been having problems with our machine. '' Really? And they're still using it??? 
XX/XX/XXXX : Followed up with our bank again. She asked me to wait to file this form until she heard back from their settlements department. again. 
You will note in the attached document of email correspondence with our bank, something similar happened last year. XXXX was charged twice for one withdrawal. Our bank had some issues with Chase 's responses, and ended up giving us back the money with the provision : " If anything unforeseen happens, we will have to take the money back. '' We have no idea how long it took for XXXX XXXX to receive that reimbursement for CHASE 'S  error. 
XX/XX/XXXX : I heard back from our bank. Again, CHASE has not responded to them. 
It is astounding that CHASE does NOT respond. I was told last year that it can take up to six months to recoup money they have kept. 
We are hoping you folks can make them accountable for responding!
Product: Consumer Loan

GM FINANCIAL MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT
Product: Debt collection

Verification of debt is fraudulent Harris and Harris XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct issues from XXXX but have not got any responses in the legal time frame. 

Seeking equity and remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Inquiries From XXXX XXXX I never Authorized as well as XXXX  File Number : XXXX Report Date : XX/XX/XXXX Disputed Inquiries are XXXX XXXX XXXX XXXX XXXX Requested On :XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 5 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Experian. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Experian will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX  XXXX XXXX XXXX Try and get this removal from my report..
Product: Debt collection

Im not sure of the exact dates. It was probably about six years ago. I had an account with XXXX for a cell phone and I canceled my plan with them because XXXX had all these extra fees, and the bill was way too highand I was supposed to send the phone back. They sent me a prepaid packing box to send the phone back. I sent the phone back in the prepaid box that they sent me and they started sending me a bill saying that I never sent the phone back. I absolutely sent the phone back and I dont think that I have to pay for a phone that I know I sent back to them. Its been at least six years and they keep updating my credit report every month and it looks like its a new debt. They sold the debt to Jefferson capital. I did not authorize them to do that and I am not going to pay for a phone that I mailed back to them in the prepaid box that they gave me.
Product: Checking or savings account

My name is XXXX XXXX and I am an account holder at sofi bank. 

I am also a XXXX XXXX man on a limited social security XXXX income. 

On XXXX I transferred XXXX from my my XXXX XXXX  account to my sofi account. 

Td bank debited my account and release the funds on XX/XX/XXXX. Sofi said they were holding the funds until today There are several issues with this. Number one this hold is excessive as per regulation CC Which state 's funds must be made available within one to two business days It goes on to say however that the first {$200.00} must be made available immediately Already Sofi bank is out of compliance. There should have never been a hold in the first place because the amount of the transfer was exactly {$200.00} should have been made available immediately Furthermore if holds are made it's supposed to only be for one or two days. 

Even worse a supervisor at sofi said the funds would be released 10.10.

Today is 10.10.and the hold is still on I have no money for food or life saving meds This could cost me my life
Product: Credit reporting or other personal consumer reports

When I open my XXXX report and payment history, there is still showing a current balance of XXXX XXXX against my name. But I have paid the entire amount XXXX XX/XX/2022 and getting the clearance certificate from XXXXXXXX XXXX  XXXX XXXX. 

The showed balance still effect my XXXX  score. Please update my status,
Product: Checking or savings account

Truist bank and the truist fraud department. I have been calling the fraud department after dening my claim twice for an ACH transaction. Then I received a letter from the client resolution specialist XXXX XXXX he said the decision to deny the claim remains unchanged. I called again today the supervisor could barely speak English and just kept repeating herself. After explained repeatedly why the ACH transaction should have been returned. She refused to tell what was in the notes from my conversations. After calling over 6 times. I'm sure that money should have been returned. If you have further questions someone can contact me. Thank you
Product: Debt collection

Paid off a debt after agreeing to a settlement agreement with NCB Management Services Incorporated.

They reduced the balance of the account as agreed by reporting it to the credit bureaus.

They then re-reported the full remaining balance against me to credit bureaus claiming it is part of the process and they can do nothing about it.

Made contact with company who is unable to anything about it and " attempted to transfer me to a supervisor/management '' for an hour before coming back with " It's under investigation now. We'll contact you later. '' Unlawful negative action taken less then twenty-four hours after fully satisfying the payment plan as made.
Product: Student loan

I enrolled in XXXX XXXX. After being told I did n't have enough to cover the cost I was given the option to use in house financial aid. Unbeknownst to my knowledge the school would later be closed. Genesis Lending my original in house provider now closes. XXXX XXXX XXXX takes over and closes and now XXXX is the collector. If the original lender was closed just as the school was why do students such as myself who were released from the debt by the DEPARTMENT OF EDUCATION have to fight with these " lenders '' who were found to be just as shady as the schools. All loans associated with XXXX should be done away with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/XXXX, the Wells Fargo 's Executive Office Case Specialist, XXXX XXXX, at ( XXXX ) XXXX, received my Telephone Call for Identity Confirmation as requested on XX/XX/XXXX, ( citing, in Case No : XXXX ). 

After verification, he assigned me a new case number and informed that the Case, now, is being assigned to a new case worker who shall contact me in two business days. Further, he confirmed my Address, including Email and Telephone Number, respectively, at-law. 

Shortly, after our meeting, I received an Acknowledgement Email from Wells Fargo Online by and through The XXXX XXXX XXXX XXXX ( XXXX  ) with a ten business days elongated to issue the Response. 

On, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX wrote an Email to me exactly depicting the same Identity Confirmation Letter by XXXX XXXX Whose Act and Conduct totally denied my Identity as verified to the New Case Number, ( citing, in, Case No : XXXX ) which she wrote an Email to me as stated above.
Product: Payday loan, title loan, personal loan, or advance loan

I did not use the loan because an interest rate was much higher than the interest stated and offered in the advertisements.