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

After checking my Equifax credit report on XX/XX/XXXX, These inquiries do not have permissible purpose and is not in accordance with the Fair Credit Reporting act,. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 B. Delete these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

After reviewing my credit I noticed Caine & Weiner placed a collection on my credit. I sent in a debt validation letter on XX/XX/XXXX, immediately after noticing the collection. The letter sent clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/XXXX, with a letter notifying them of their nonresponse and their responsibility to comply with the law regarding collections. Caine & Weiner is now in violation of the FDCPA rules.
Product: Credit reporting or other personal consumer reports

I had a credit card with XXXX XXXX XXXX in XXXX they gave me a line of credit for XXXX XXXX in about 2 years I lost my job and was running behind on my payment which by then I only owed {$2800.00} in the card. After missing the 2nd missed payment they placed a hold on the card and when my tax refund was received into my checking account. XXXX XXXX Garnished the {$2800.00} from my checking account to resolve the credit card balance and closed the account. A few months ago I received a letter from XXXX XXXX XXXX XXXX requesting payment for a balance of {$20000.00} to resolve XXXX XXXX XXXX XXXX account. 

I went to a XXXX XXXX XXXX and they could not pull any account information back from XXXX due to their new system and could not go that far back into their history to provide any additional information concerning these charges. 

I am formally disputing this billing error in accordance with the Fair Credit Billing Act ( 15 USB 1666b ) Account # XXXX XXXX XXXX XXXX XXXX and requesting that It be investigated and removed from my credit report. 

I do not have any financial obligation toward XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. Thank you for your prompt attention toward this matter. I expect a written confirmation and the result within 30 days.
Product: Checking or savings account

ALLY BANK repeatedly freezes my bank account / debit card without notice. 

I am a 100 % XXXX veteran and my pension is deposited to my ally bank checking account every month. I have all of my monthly bills set to autodraft off this Ally Bank account. However, on at least 3 occasions during the past 6 months Ally Bank has frozen my bank account without notice and without the courtesy to confirm whether or not I authorized such banking transactions, the end result which affected my ability to pay my bills on time and negatively impacted my personal credit score.

This week my account was again frozen without notice or communication from Ally Bank as I only discovered my account was frozen when I attempted to buy grocery. Nonetheless, I contacted Ally Bank and their only response was that they will contact me in 1-2 business days which in this event due to the holiday it will be 7 to 10 calendar days before Ally Bank responds to my inquiry. 

Meanwhile, I am unable to pay my bills or buy grocery and medicines. 

I don't understand why Ally Bank continues to randomly freeze my bank account without notice and then expect me to wait 2 weeks before I can access my pension funds. 

At this time, I intend to notify the Department of Veterans Affairs to warn other Veterans not to bank with Ally Bank or do Business with Ally Bank so that they are not victimized as I have been by Ally Bank 's unexplainable fraudulent policies and repeated failures to notify the bank account holder that Ally Bank suspects anything fraudulent with their bank account.
Product: Debt collection

Capital One has closed my line of credit and taken adverse action against me for exercising my rights in good faith as a consumer under federal law.

Capital One mailed me a statement dated XX/XX/XXXX showing that I owe a balance of {$3400.00}. Through this communication, Capital One has engaged in fraudulent activity against me and has violated my rights as a consumer numerous times. 

I mailed letters dated XX/XX/2022, responding to the statement I received outlining all of the fraud and violations against me. I gave Capital One 3 business days from the date of my letter to reply to my concerns, and satisfy my demands, and they have not responded as of XX/XX/2022. All of my correspondence is outlined in my attachments.
Product: Checking or savings account

On XXXX XXXX I received a Venmo credit to open an account and was told I would be able to make purchases and receive payments from employers, direct deposits and receive money from family and friends. 
From XXXX XXXX XXXX XXXX I was able to do all of this. On XXXX XXXX I received a payment through XXXX from my employer. I received an email saying my account was frozen and identity needed to be verified. I immediately uploaded my drivers license to the link provided. I called customer service support and was advised that they had not received the identity verification requested and I would have to wait until Monday to speak w/ acct. services. I called on Monday because my utilities were to be disconnected, if payment was not received by the end of the day. I was told it would be 5-10 days to process. I explained my situation about my bills, and was advised my matter would be escalated for processing, this did not happen. On XX/XX/2022 I received an email from acct. services from agent " XXXX '' saying my funds were being held by loss prevention. The funds could be held up to 180 days, yet no reason for this action was ever given. I have continuously made contact via email and phone, to no avail nor solution. I still have yet to get a response as to what caused Venmo to take this action. This has caused great complications in my life and finances, unable to make bill payments on time. I feel outraged and disgusted and honestly believe I have been scammed by Venmo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$3500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$3800.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit was used fraudulently. I have filed an Identity Theft report again, as requested by TransUnion. I have submitted it to them via mail, however, they continually send me letters stating that they won't process the dispute because they don't think it's me submitting the letter along with the Identity Theft report. I am here to tell you that it is me. I am writing this correspondence because my last communications that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all went unanswered. Im sure you understand that credit bureaus are mandated to follow the Fair Credit Reporting Act and under said act, you are REQUIRED to respond to all disputes and/or requests for verification of compliant reporting within 30 days. You have FAILED to do so and are now in VIOLATION of the federally composed Fair Credit Reporting Act. Per 15 U.S. Code 1681i ( a ) : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed an account that was not reported accurately I have multiple accounts that is showing late payments it was paid on time. The consumer reporting agency have need to report with complete accuracy. this account has not been late on payments I will summit a copy of my report where is showing late payments for the year of XXXX is showing 3 total late payments and for year XXXX is showing 4 lates payment. I'm now requesting you to investigate and provide me with proof and records that I was late if it can not be verified, I demand for payments to be updated to paid immediately thank you for your understanding and prompt action.
Product: Credit reporting

the Credit Reporting Agencies are showing a judgement for treatment at XXXX. I have NEVER been treated at XXXX ( XXXX ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

Im confident I pay on time, but Im unsure why this company is showing late payments for some months. Under USC 1666b, errors must be corrected, and my account updated to " paid as agreed. ''
Product: Money transfer, virtual currency, or money service

I had a Fraud with a company call XXXX! they offered to me an invest is gold through a professional broker of name XXXX, and trade every 3 days or less. they told me that I won money, but when I try to transfer my money to my bank account, they request the taxes and told me that if I don't pay in 3 days, my money will transfer to a donations! the short history is that I lost my money and the site don't exist anymore! I going to explain better in a file!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX XX/XX/2021, DT CREDIT Inquired on XX/XX/2021. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres two XXXX XXXX. I HAD ONE. Its impossible to have two. The dates dont add up. The open date on one and late payments on other at the same time. I dont know whos is in my report but its unacceptable. This is a major violation. Ive filed MULTIPLE complaints and disputes. They will not listen. XXXX  deleted it! Please these are not both mine. I had ONE! Im taking legal recourse if this isnt resolved in 30 days.
Product: Credit card or prepaid card

Date XX/XX/2023 Balance XXXX Called the company multiple times and have just been getting transferred around. Unable to get anyone to assist me. 

Account with discover was closed by Discover with no warning. Received email saying unable to verify personal information never received any emails, phone calls or letters asking me to verify info. Info hasnt changed since account opened. 
I have never struggled with the account, never had late fee nor missed payments. So I dont know why they closed my accont which was my primary credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX/DEPT OF ED acct # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

My first contact with DIVERSIFIED ADJUSTMENT SERVICES was bill dated XXXX XXXX XXXX  ( but received on XX/XX/XXXX ) stating I owed {$230.00} to XXXX XXXX XXXX XXXX. That is suspiciously identical to the final payment I had made to the hospital. I contacted the hospital and was told I have no debt with them. 
Phone calls to the number listed go to voice mail. 
I sent a letter to XXXX on XX/XX/XXXX, requesting more info, or a letter stating that there is no debt. 
I have received no further communication from the collection agency.
Product: Checking or savings account

An account was opened in my name and I received a card in the mail. I called them and they verified an account had been opened in my name and they closed it.
Product: Checking or savings account

Someone opened up XXXX  XXXX Accounts with Marcus By Goldman Sachs under my name.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX XXXX. Account number : XXXX XXXX. XXXX XXXX XXXX. Account number XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX impossible to get in contact with or submit dispute. I have proof of fraudulent account and letter from original creditor and having a hard time having it removed.
Product: Mortgage

I have an account with SUNTRUST mortgage since 2005. I have never been late on the payment because my payments are automatically withdrawn from my account. For the past XXXX months i have been charge late fees due to errors in the SUNTRUST mortgage department. I am being told that payment are put in some sort of account because Suntrust reports they did not know where to apply the funds. Their response is very questionable since the draft payment have the mortgage account on it. I have called and have the error corrected in the past. but the problem continue to happen. I am in the last phase of paying off my home and based on evidence based actions from the bank and on my experience, the Bank is making errors so that it will not happen. I am not sure what other options I have since I am soon to be in my XXXX 's and not sure if i will qualify for another mortgage. I am very concern I maybe the subject of elderly discrimination with this bank. Please review my complain and advise what are my options. Also after speaking to the Bank representative, they want access to my account. I am very concern and will not permit the Bank access to my account because of the potential of Banking errors.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent Closed account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the Equifax data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Closed Fraudulent Account : Account Name : XXXX XXXX Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident.

This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation.

If you require additional information, I can be reached at [ XXXX XXXX XXXX ] or [ XXXX XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX per FCRA 15 U.S.C 1681c-2 ( section 605B ) Credit reporting Agencies Are required to removed fraudulent information from your credit report within four business days of receiving request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. 
IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX of XXXX XXXX, XXXX Dept of XXXX XXXX, XXXX XXXX XXXX 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. 

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: Mortgage

I closed on my house on XXXX XXXX, 2016 using Loan Depot LLC as my mortgage provider. Near the XX/XX/XXXX, I submitted my first payment of {$2100.00} via check to Loan Depot. After I sent the check, and a few days after, I received notification my payment had been purchased by XXXX. My check was cashed as a debit transaction on XXXX/XXXX/2016, and when I called to see why that was the case, nobody on their end had me in the system, nor did they have my address in the system. Despite numerous calls and emails, I have not gotten a response, and my call this morning was actually hung up on mid converstaion.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this XXXX myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Credit card

I tried to apply for a Chase credit card, but always got denied because of " previous unsatisfactory relationship with this bank ''.